Credit Card Questionnaire
Answer questions so I can determine which credit card/s would be best for you.

There is no 'best credit card' because factors like cards you already may have, credit scores, income, personal goals, spending habits, and other considerations result in tailored recommendations. This allows me to learn more about you so that I can suggest cards which make sense for you.

After you complete this document, I'll follow up with my thoughts and suggestions.

I ask for no compensation, but donations and use of referral links are greatly appreciated. I'll also be happy to answer questions and keep in touch after you are approved for cards!

http://justinvacula.com/donate/
Email address *
What do you do to generate income? Are you employed, self-employed, engaged in side-hustles, or have returns from investments?
Your answer
Are you more interested in travel credits and perks or cash-back? Generally, cards provide more value when points are redeemed for travel (for example, Chase's Ultimate Rewards points can cash out at 1% or have value ranging from 1.25 to 3% or more when used for travel).
Your answer
Do you have preferred airlines or hotels?
Your answer
Do you have points or statuses associated with hotel or airline programs?
Your answer
Do you have particular travel goals? Are you looking to fly, stay at hotels, cruise, take a long road-trip...?
Your answer
How many times per year might you be able to travel?
Your answer
What is your average monthly spending? Consider subscriptions, rent, groceries, gas, recurring payments, entertainment...
Your answer
Do you have large upcoming expenses in the next 3-4 months? What are they?
Your answer
What are scores you may know related to your credit? Consider FICO, Experian, Equifax, and Transunion scores you can find in free apps like Credit Karma and Experian.
Your answer
Do you own a business? If not, are you willing to get a free EIN related to services you may provide like consulting, babysitting, selling online, etc. so that you can apply for business cards?
Your answer
Do you have any credit and/or charge cards? If so, list -- to the best of your ability -- the dates you were approved and the names of the cards. Use free apps like Credit Karma to gain information on dates.
Your answer
When were your last hard inquiries, if any? In most situations when you apply for a credit card, even when denied, card issuers run a 'hard pull' on at least one of your credit reports.
Your answer
Are you willing to apply for multiple cards in the future? Credit card signup bonuses/welcome offers/minimum spend requirements far outweigh gains from categories in most situations.
Your answer
Do you have friends, partners, family members, or others who will help you reach spending goals by allowing you to use your credit card/s for transactions? If so, how much might be contributed per month?
Your answer
Do you follow credit card and deals sites like Doctor of Credit, Frequent Miler, and Milenomics? Do you listen to podcasts and YouTube channels related to credit cards?
Your answer
Do you have any questions? Would you like to list additional information?
Your answer
What is your email address? *
Your answer
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