Long story short: I got into some debt a while back and had to file for bankruptcy, so my credit isn't great and a lot of my account history is gone, so I don't know how much I'd actually qualify for. It may be nothing, lol
But I'm in a better place financially now, and I also operate my own business (sole proprietorship under my SSN) which incurs some expenses, so I wondered if I could potentially be earning rewards in the meantime. However, all of this is very overwhelming to me and I don't want to make the wrong decision and end up back in financial trouble.
I don't do a lot of traveling, but I'd love to get travel rewards if possible. I get groceries (Target or Walmart), particularly pet food/supplies, and dine out (Starbucks) regularly. I shop online for the majority of my business expenses.
- Current cards: None
- FICO Score: 650
- Oldest account age: 14 years, 3 months (but it sometimes does not appear on reports)
- Chase 5/24 status: 0
- Income: $48,000
- Average monthly spend and categories:
- dining: $400-800
- groceries: $400
- gas: $200
- travel: 0
- other: $900+
- Open to Business Cards: Yes
- What's the purpose of your next card? Travel rewards, building credit
- Do you have any cards you've been looking at? N/A
- Are you OK with category spending or do you want a general spending card? Either