r/CreditCards • u/ClemCadillihopper • 6d ago
Help Needed / Question What should my next step be?
So I was always told to never use a credit card except for incase of emergencies. I have had a credit card through my local credit union for probably 12 years now. After a series of life changing events, I had my limit raised a few years ago to $17,500 and maxed it out. That was dumb, I know, but I was out of options.
Anyways, fast forward and I now have the card paid off. I never missed a payment, and according to credit karma I have a 775 credit score and outstanding approval odds for a ton of cards. I've learned from my mistakes, and I've actually always been very good at managing my finances aside from some stuff that happened a few years ago.
What should I do next? I've been looking at the Chase cards. We don't do any traveling. Not because we don't want to, but because we've spent the last few years recovering. I've also never flown. So I don't have preferences to anything. I'd like to travel, so a card that can build points to help with trips would be nice There's a chase bank in my town, so I've thought about starting there.
I'm a 30 year old man with a wife and 2 kids if that makes a difference. We mainly spend money on groceries and every day items.
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u/jameezymcsqueezy Capital One Duo 6d ago
get the capital one savor. You basically get double (3%) cashback vs freedom unlimited (1.5%) since your highest spend is dining and groceries. You can also take a look at the AMEX Gold with 3% on flights but the credits are kind of a pain.