SPIN Unprocessed July 21, 2026 ai_technology consumer_credit
Second Card Recommendations
View original on reddit.comOverview
• Current cards: Capital One Savor, 3,000 limit, opened just a few months ago (first credit card ever, my dad always steered my away from credit cards in my youth) • FICO Score: 736 • Oldest account age: 7 years, 10 months (student loans, haven’t started paying them back at all yet because of forbearance and currently have a $0 monthly payment because it’s income based) • Income : $38,000 • Average monthly spend and categories: (varies, was supporting my partner while they were in school but the
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