u/BeginningBench1642

Currently a senior graduating this fall, planning to find an apartment and go full time after. Doing an internship over the summer so I'll have some income to start covering things myself.

I am currently an authorized user on my mom's card which I use for groceries and gas. I have a card in my own name but Capital One has the credit line locked at $400 and refuses to increase it.

• Current cards:
  • Amex BCP $25,000 limit, Nov 2020 (Authorized user)
  • Quicksilver One $400 limit, Sept 2020
• FICO Score: 800
• Oldest account age: 5 years 8 months
• Chase 5/24 status: 0/24
• Income: No income currently, internship starting May
• Average monthly spend and categories:
  • groceries: $400
  • gas: $180
  • other: $100
• Open to Business Cards: No
• What's the purpose of your next card? Cashback
• Do you have any cards you've been looking at? Amex BCP, Citi Custom Cash, Wells Fargo Active Cash
• Are you OK with category spending or do you want a general spending card? Category is fine.