TheVig

Credit Cards: Amex Green & BB+ MR 586,608 Amex Delta Blue SkyMiles 114,851 Amex Hilton Honors 211,625 FNBO Amtrak Guest Rewards World MC 151,395 Chase CSR / CSP / CFU / CFF UR 233,677 Chase IHG Premier World Elite MC 68,283 Chase Hyatt Visa Signature 6575 BofA Customized Cash Rewards Visa (3% Travel) $6.20 BofA Alaska Airlines (ATMOS) Visa Signature 115,945 Citi Strata Premier / Double Cash / Custom Cash TYP 81,496 Choice Privileges World Elite MC 309,598 WF Active Cash Signature Visa (2% CB) $91.22 BILT Rewards MC 18,161 Rakuten Amex Shopping Portals & Apps / Stacking Opportunities: Rakuten. Pays out quarterly. (BILT Points Earning) Points Pending: 7590 Chase Shopping Portal (UR Earning) American Airlines 90,854 Upside (CB) Shell Fuel Rewards (Earning AA Miles 3miles/gal.) Airline / Hotel / Dining and Shopping Portals

I told someone the same thing the other day. Even at 10%, do you have the capacity to make large enough payments to take advantage of the 10% and get the debt paid off?

I haven't looked. Had it been a HP, I would have gotten a dozen or so alerts. I do know first time applicants do get hard pulls. Who they pull is YMMV. It could be from any of the big 3. Cardless is the servicer, but Column is the new bank. From what I can gather, Column doesn't want to see any derogatories, high utilizations, or a ton of inquiries. They do seem to over look inquiries, if you have a clean, well seasoned credit report.

Bilt Obsidian card. $95 AF. $24k Instant approval. Soft pull, since I’m an existing card holder.

From my understanding other factors for approval will be required or scrutinized a lot closer. One of those things is "reserves". In other words.............cash on hand to make the payments after a job loss.

Credit scores plummet across multiple states creating 'perfect storm' for American wallets, expert says

A few weeks ago, I applied and was instantly approved for the Rakuten Amex card. Pays out quarterly. :Pays out in cash back, Amex MR, or Bilt points. My Rakuten account is currently setup to earn Bilt points. I use it to stack additional points for shopping thru the Rakuten portal, in-store offers, and Rakuten Dining. I don't use it for non-Rakuten spend. Rakuten Amex card earns as follows: 4x Rakuten online shopping and in-store offers. The 4x is earned on top of whatever a store is offering at the time. $7000 yearly cap in a calendar year. 10x Rakuten Dining. 5x Rakuten Dining + 5x Rakuten Amex card. No cap. 2x Grocery. No cap. 2x Dining at non-Rakuten Dining restaurants. No cap. 1x Everything else. No cap. Credit Cards: Amex Green & BB+ MR 585,273 Amex Delta Blue SkyMiles 114,851 Amex Hilton Honors 211,625 FNBO Amtrak Guest Rewards World MC 149,432 Chase CSR / CSP / CFU / CFF UR 275,982 Chase IHG Premier World Elite MC 68,283 Chase Hyatt Visa Signature 19,126 BofA Customized Cash Rewards Visa (3% Travel) $6.20 BofA Alaska Airlines (ATMOS) Visa Signature 114,913 Citi Strata Premier / Double Cash / Custom Cash TYP 81,496 Choice Privileges World Elite MC 309,554 WF Active Cash Signature Visa (2% CB) $91.22 BILT Rewards MC 67,945 Rakuten Amex Shopping Portals & Apps / Stacking Opportunities: Rakuten. Pays out quarterly. (BILT Points Earning) Points Pending: 5208 Chase Shopping Portal (UR Earning) American Airlines 89,715 Upside (CB) Shell Fuel Rewards (Earning AA Miles 3miles/gal.) Airline / Hotel / Dining and Shopping Portals

Happy New Year! May your cups runneth over with big credit limits.

I used to have the Walmart MC years back when I was rebuilding my credit. Then when the relationship with Cap1 went to 💩, Cap1 offered to let me product change. I went with the Venture One.

Credit Cards: Amex Green & BB+ MR 585,273 Amex Delta Blue SkyMiles 114,851 Amex Hilton Honors 211,625 FNBO Amtrak Guest Rewards World MC 149,432 Chase CSR / CSP / CFU / CFF UR 275,982 Chase IHG Premier World Elite MC 68,283 Chase Hyatt Visa Signature 19,126 BofA Customized Cash Rewards Visa (3% Travel) $6.20 BofA Alaska Airlines (ATMOS) Visa Signature 114,913 Citi Strata Premier / Double Cash / Custom Cash TYP 81,496 Choice Privileges World Elite MC 309,554 WF Active Cash Signature Visa (2% CB) $91.22 BILT Rewards MC 67,945 Shopping Portals & Apps / Stacking Opportunities: Rakuten. Pays out quarterly. (BILT Points Earning) Points Pending: 5208 Chase Shopping Portal (UR Earning) American Airlines 89,715 Upside (CB) Shell Fuel Rewards (Earning AA Miles 3miles/gal.) Airline / Hotel / Dining and Shopping Portals

Happy New Year! Unless something really compelling happens, that fits in my wheelhouse, 2026 will mostly be a year of gardening. In the near term, on January 14th, Bilt 2.0 launches. Three new cards to choose from. Not sure yet, which card I'm switching too. In the bigger picture, most spend will be with Hyatt stays in mind. Of course it could all change.

I have done any reallocations of limits with anyone in a long time. So I don't have any recent data points.

Most of the people I know think I'm the A-hole and unrelatable, because the wife and I have never had a life time of never ending car payments. Yes, we've had car payments, but we have ;always paid off as quickly as possible, and then drive the vehicles until they are no longer cost effective to repair, or simply give up the ghost. Nor have ever financed furniture, home goods, electronic gadgets, etc, etc, etc. I treated myself this morning to a coffee from Starbucks for $6.98! No wonder people are broke. Death by a thousand cuts.

Focus on Chase.

While on gift cards dot com, I noticed Klarna was a payment option.