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