Before you post, read this!

It is recommended to use this template if you would like replies to your post.

• Current cards: (list cards, limits, opening date)

  • e.g. Amex BCP $8,000 limit, May 2019

• FICO Score: e.g. 750

• Oldest account age: e.g. 5 years 6 months

• Chase 5/24 status: e.g 2/24

• Income: e.g. $80,000

• Average monthly spend and categories:

  • dining $800

  • groceries: $400

  • gas: $100

  • travel: $100

  • other: $30

• Open to Business Cards: e.g. No

• What's the purpose of your next card? e.g. Building credit, Balance transfer, Travel, Cashback

• Do you have any cards you've been looking at?

• Are you OK with category spending or do you want a general spending card?

Common Abbreviations and Lingo:

• FICO Score - This is the score used by 90% of credit issuers (This is NOT the score given by Credit Karma, Credit Sesame, Capital One, etc.) (MyFICO.com, Experian.com, CreditScoreCard.com are FICO scores)

• AAoA - Average age of all of your accounts.

• 2/30 Chase rule - A rule of no more than two Chase credit card applications every 30 days

• 5/24 Chase rule - A rule where if you've opened 5 or more accounts in the past 24 months you cannot get approved for a new Chase card.

• AF - Annual Fee

• SuB - Sign-up Bonus

• MSR - Minimum Spending Requirement (usually referring to sign-up bonuses)

• 2/90 AmEx rule - A rule where you can only get approved for 2 AmEx cards in 90 days

• 1/5 AmEx rule - A rule where you can only get approved for 1 AmEx card every 5 days