---
###
#Abbreviations & Lingo:

* **AF = Annual Fee**
* **AU = Authorized User**
* **BT = Balance Transfer**
* **CLI = Credit Line Increase**
* **FTF = Foreign Transaction Fee**
* **PC = Product Change** (i.e. upgrade)
* **SUB = Sign-Up Bonus**

#Useful Links:

**Announcements**

* [Official User Flairs Thread](https://www.reddit.com/r/CreditCards/comments/14pt05t/official_user_flairs_thread/) - Learn how to customize your user flair

* [Suggestions, Ideas, and Feedback](https://www.reddit.com/r/CreditCards/comments/14zqp6c/suggestions_ideas_and_feedback/) - Post your suggestions here

**Free Credit Monitoring**

* [CreditKarma] (https://www.creditkarma.com/) - Uses TransUnion and Equifax

* [CreditSesame] (http://www.creditsesame.com/) - May use Transunion or Experian depending on service

* [Quizzle] (https://www.quizzle.com/)- Uses Equifax


**Resources**

* [Credit Card Basics](https://www.reddit.com/r/CreditCards/wiki/credit_cards_basics)

* [What Happens If You Close A Card?](https://www.reddit.com/r/CreditCards/wiki/what_happens_if_you_close_a_card)

* [Template for Card Recommendation Requests](https://www.reddit.com/r/CreditCards/wiki/cardtemplate)

* [List of Flat 1.5%+ Cashback Cards](https://www.reddit.com/r/CreditCards/wiki/list_of_flat_cashback_cards_with_benefits)

* [List of Best Cashback Cards by Category](https://www.reddit.com/r/CreditCards/wiki/best_cash_back_cards_by_category)

* [Credit card wiki at PersonalFinance](/r/personalfinance/wiki/creditcards)

* [Complete List Of Free FICO Scores](http://www.doctorofcredit.com/credit-scores/fico-score/free-fico-score/)

* [Free Credit Reports Info from FTC] (http://www.consumer.ftc.gov/articles/0155-free-credit-reports)

* [Card Offers Just for You] (https://www.creditcards.com/cardmatch/)

* [Point Calculator Card Comparison Tool](https://www.thepointcalculator.com/us/tools/credit-card-comparison-tool)

* [List of credit card company phone numbers](http://ficoforums.myfico.com/t5/Credit-Card-Applications/Backdoor-Numbers/m-p/408066)

* [Credit Card Tuneup](http://creditcardtuneup.com/) or [CreditIntro] (http://www.creditintro.com/recommend/) to help you find the right card

* [EMV CVM Database](https://www.spotterswiki.com/emv/cardsearch.php) - Find a card's Cardholder Verification Method list (e.g. PIN, Signature).

* [Capital One Upgrade Link] (https://verified.capitalone.com/auth/signin?Product=Card&Action=ProductUpgrade) - Check PC eligibility for your existing card


#Rules:

[Click here to see the rules](https://www.reddit.com/r/CreditCards/about/rules)

* **Be respectful.**

* **No referrals in posts, comments, or private messages.** 

* **No link shorteners.**

* **No self-promotional content with prior mod approval.**

* **No spam or irrelevant content.**

* **No promotion of illegal, fraudulent, or nefarious activities**

#Other Subreddits To Visit:

* /r/PersonalFinance

* /r/AwardTravel

* /r/Banking/

* /r/Chipcards

* /r/Credit

* /r/Investing/

* /r/InvestmentEducation

* /r/FinancialIndependence

<div class="md"><hr/>

<h1>Abbreviations &amp; Lingo:</h1>

<ul>
<li>AF = Annual Fee</li>
<li>AU = Authorized User</li>
<li>BT = Balance Transfer</li>
<li>CLI = Credit Line Increase</li>
<li>FTF = Foreign Transaction Fee</li>
<li>PC = Product Change (i.e. upgrade)</li>
<li>SUB = Sign-Up Bonus</li>
</ul>

<h1>Useful Links:</h1>

Announcements

<ul>
<li><a href="https://www.reddit.com/r/CreditCards/comments/14pt05t/official_user_flairs_thread/">Official User Flairs Thread</a> - Learn how to customize your user flair</li>
<li><a href="https://www.reddit.com/r/CreditCards/comments/14zqp6c/suggestions_ideas_and_feedback/">Suggestions, Ideas, and Feedback</a> - Post your suggestions here</li>
</ul>

Free Credit Monitoring

<ul>
<li><a href="https://www.creditkarma.com/">CreditKarma</a> - Uses TransUnion and Equifax</li>
<li><a href="http://www.creditsesame.com/">CreditSesame</a> - May use Transunion or Experian depending on service</li>
<li><a href="https://www.quizzle.com/">Quizzle</a>- Uses Equifax</li>
</ul>

Resources

<ul>
<li><a href="https://www.reddit.com/r/CreditCards/wiki/credit_cards_basics">Credit Card Basics</a></li>
<li><a href="https://www.reddit.com/r/CreditCards/wiki/what_happens_if_you_close_a_card">What Happens If You Close A Card?</a></li>
<li><a href="https://www.reddit.com/r/CreditCards/wiki/cardtemplate">Template for Card Recommendation Requests</a></li>
<li><a href="https://www.reddit.com/r/CreditCards/wiki/list_of_flat_cashback_cards_with_benefits">List of Flat 1.5%+ Cashback Cards</a></li>
<li><a href="https://www.reddit.com/r/CreditCards/wiki/best_cash_back_cards_by_category">List of Best Cashback Cards by Category</a></li>
<li><a href="/r/personalfinance/wiki/creditcards">Credit card wiki at PersonalFinance</a></li>
<li><a href="http://www.doctorofcredit.com/credit-scores/fico-score/free-fico-score/">Complete List Of Free FICO Scores</a></li>
<li><a href="http://www.consumer.ftc.gov/articles/0155-free-credit-reports">Free Credit Reports Info from FTC</a></li>
<li><a href="https://www.creditcards.com/cardmatch/">Card Offers Just for You</a></li>
<li><a href="https://www.thepointcalculator.com/us/tools/credit-card-comparison-tool">Point Calculator Card Comparison Tool</a></li>
<li><a href="http://ficoforums.myfico.com/t5/Credit-Card-Applications/Backdoor-Numbers/m-p/408066">List of credit card company phone numbers</a></li>
<li><a href="http://creditcardtuneup.com/">Credit Card Tuneup</a> or <a href="http://www.creditintro.com/recommend/">CreditIntro</a> to help you find the right card</li>
<li><a href="https://www.spotterswiki.com/emv/cardsearch.php">EMV CVM Database</a> - Find a card&#39;s Cardholder Verification Method list (e.g. PIN, Signature).</li>
<li><a href="https://verified.capitalone.com/auth/signin?Product=Card&amp;Action=ProductUpgrade">Capital One Upgrade Link</a> - Check PC eligibility for your existing card</li>
</ul>

<h1>Rules:</h1>

<a href="https://www.reddit.com/r/CreditCards/about/rules">Click here to see the rules</a>

<ul>
<li>Be respectful.</li>
<li>No referrals in posts, comments, or private messages. </li>
<li>No link shorteners.</li>
<li>No self-promotional content with prior mod approval.</li>
<li>No spam or irrelevant content.</li>
<li>No promotion of illegal, fraudulent, or nefarious activities</li>
</ul>

<h1>Other Subreddits To Visit:</h1>

<ul>
<li><a href="/r/PersonalFinance">/r/PersonalFinance</a></li>
<li><a href="/r/AwardTravel">/r/AwardTravel</a></li>
<li><a href="/r/Banking/">/r/Banking/</a></li>
<li><a href="/r/Chipcards">/r/Chipcards</a></li>
<li><a href="/r/Credit">/r/Credit</a></li>
<li><a href="/r/Investing/">/r/Investing/</a></li>
<li><a href="/r/InvestmentEducation">/r/InvestmentEducation</a></li>
<li><a href="/r/FinancialIndependence">/r/FinancialIndependence</a></li>
</ul>
</div>

Visit the Wiki and Pay bills on time!

t5_2qmhl

A subreddit for discussing credit cards. Be sure to read sub rules before posting, use the resources linked in the sidebar / about section of the sub, and use search to see if your question has already been answered.

<div class="md">A subreddit for discussing credit cards. Be sure to read sub rules before posting, use the resources linked in the sidebar / about section of the sub, and use search to see if your question has already been answered.
</div>

# [⚠️➡️READ FIRST BEFORE POSTING⬅️⚠️](https://www.reddit.com/r/CreditCards/comments/14w92cc/read_first_before_posting/)

# By posting or commenting, you agree to adhere to the rules of r/CreditCards. 

___

# Looking for a new card? Use this template:

* Current cards: (list cards, limits, opening date)
   * *e.g. Amex BCP $8,000 limit, May 2019*
   * *e.g. Chase Freedom Flex $10,000 limit, June 2021*
* 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? *e.g. Chase Freedom Unlimited*
* Are you OK with category spending or do you want a general spending card?

<div class="md"><h1><a href="https://www.reddit.com/r/CreditCards/comments/14w92cc/read_first_before_posting/">⚠️➡️READ FIRST BEFORE POSTING⬅️⚠️</a></h1>

<h1>By posting or commenting, you agree to adhere to the rules of <a href="/r/CreditCards">r/CreditCards</a>.</h1>

<hr/>

<h1>Looking for a new card? Use this template:</h1>

<ul>
<li>Current cards: (list cards, limits, opening date)

<ul>
<li>e.g. Amex BCP $8,000 limit, May 2019</li>
<li>e.g. Chase Freedom Flex $10,000 limit, June 2021</li>
</ul></li>
<li>FICO Score: e.g. 750</li>
<li>Oldest account age: e.g. 5 years 6 months</li>
<li>Chase 5/24 status: e.g 2/24</li>
<li>Income: e.g. $80,000</li>
<li>Average monthly spend and categories:

<ul>
<li>dining $800</li>
<li>groceries: $400</li>
<li>gas: $100</li>
<li>travel: $100</li>
<li>other: $30</li>
</ul></li>
<li>Open to Business Cards: e.g. No</li>
<li>What&#39;s the purpose of your next card? e.g. Building credit, Balance transfer, Travel, Cashback</li>
<li>Do you have any cards you&#39;ve been looking at? e.g. Chase Freedom Unlimited</li>
<li>Are you OK with category spending or do you want a general spending card?</li>
</ul>
</div>

What should my next Credit Card be?