r/CreditCards

Template for Card Recommendation Requests

It is required that you use this template if you post asking for new card recommendations. This is especially important for category spending. It's also important to include your current cards because you may be able to PC (product change) one of them to a much better card, saving you a hard credit inquiry and unnecessary application. Yes, this is a lot of information, but we ask because it's relevant and in some cases truly necessary to prevent you from being denied - plus it will help you get the best recommendation that suits your spending and lifestyle. If you don't want this information tied with your regular reddit account, post under a throwaway account.

Fill in the following questions. After completing the form, click the "Generate Template" button. Copy the text or click the "Copy to Clipboard" button. Paste the text into a new post on r/CreditCards.

CREDIT PROFILE

Current credit cards you are the primary account holder of: (list cards, limits, opening date) (example: Chase Freedom $X,XXX limit, 12/2019 - be sure to mention if any are business cards)

None - looking for first card

FICO scores with source: (see note on FICO score sources below)

Regarding your FICO score: Credit Karma, Capital One's Credit Wise, Chase's Credit Journey, NerdWallet, and several other sites are not FICO scores and are sadly not useful information. Free FICO scores may be obtained from Experian (never submit payment info). FICO scores that can be obtained using bank accounts (checking/savings or credit should provide access): Bank of America (TransUnion FICO 8), Citi (Equifax BankCard Score 8), First National Bank of Omaha (Experian FICO 9), Wells Fargo (Experian FICO 9), possibly others but be sure to confirm what scoring model you are looking at.

Oldest credit card account age with you as primary name on the account: (do NOT include cards you are an authorized user on)

Number of personal credit cards approved for in the past 6 months:

Number of personal credit cards approved for in the past 12 months:

Number of personal credit cards approved for in the past 24 months:

Annual income $: (Approximations are fine. Accuracy is most important if your income is under $20k. See what counts as income below.)

What counts as income:

(Note you may be asked to provide proof. It's against federal law to put false information on a credit card application.)

Personal income (your job, your bank account interest earnings)
Shared household income with a spouse or partner (i.e. you and your spouses combined income)
Shared household income with parents (if you're 21+ and dependent on your parents, you can include their income, assuming you have reasonable expectation of access to it)
Allowances and regular gifts (i.e. a monthly check from your parents for college - mostly relevant if you're under 21)
Scholarships and grants (student loans do NOT count as income)
Retirement fund distributions
Trust fund distributions
Social Security income

MEMBERSHIPS & SUBSCRIPTIONS

Current member of Amazon Prime?:

Current Verizon postpaid customer?:

Current member of Costco or Sam's Club?:

Currently paying $16.99/month or more for Disney Bundle (Disney+ / Hulu / EPSN+) or other Hulu services?:

Are you or your spouse active US military?:

Are you open to business cards?: (these are an option if you have any kind of side gig, such as selling on eBay or Etsy)

Current member of Chase, US Bank or any other big bank?: (Leave blank if not)

PURPOSE

What's the purpose of your next card?:

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

ADDITIONAL INFO

Do you want to provide any additional context?

GENERATED TEMPLATE

Submit new post to r/CreditCards and select the flair Card Recommendation Request (Template Used). You can always add or edit the information in your post after pasting the template.

v0.2.0b | Updated 08.27.2025

By u/thequietgiant