Jay A
New Member
Hey all, I've been a reader of yours for some time while building my credit and am preparing to jump into your world. I've reached the point where I'm ready to try for my first rewards card (hopefully) but doubt I have the credit worthiness to wrangle a CSR right out of the gate. What I'm looking for is recommendations on a good card to cut my teeth with. I little info about me below:
- Credit history is limited to a secured card that was recently graduated to a WF Platinum card after a year (tiny $300 limit), and a secured load opened using DoC's Secured Loan trick to diversify my # of accounts (recently opened, no hard pull).
- I started monitoring my credit through Credit Karma a little over a year ago when I opened the secured card. Scores were <500 and now in the low 700's. I am aware that this is my VantageScore 3.0 and not my FICO score, which I expect is likely a little lower than 700.
- I intend to use rewards almost exclusively for travel.
- My organic spend is less than $2,000 per month but salary is almost three times that so plenty to float and fairly interested in a little MS.
Any advice is appreciated. Thanks!
- Credit history is limited to a secured card that was recently graduated to a WF Platinum card after a year (tiny $300 limit), and a secured load opened using DoC's Secured Loan trick to diversify my # of accounts (recently opened, no hard pull).
- I started monitoring my credit through Credit Karma a little over a year ago when I opened the secured card. Scores were <500 and now in the low 700's. I am aware that this is my VantageScore 3.0 and not my FICO score, which I expect is likely a little lower than 700.
- I intend to use rewards almost exclusively for travel.
- My organic spend is less than $2,000 per month but salary is almost three times that so plenty to float and fairly interested in a little MS.
Any advice is appreciated. Thanks!