@iwant700fico wrote:
Applied for Blue Business 2x points for everything with 10K sign up bonus.
Instant approval $13,100 SL. I have 2 other business cards from Chase.
Congrats!
I am going to get that card soon after I open up my Charles Schwab account so I can get the 1.25 cents per MR point bonus.
I am going with the following set-up:
AMEX Charles Schwab platinum for 5x MR points on airline/hotel. I think I get a better deal booking travel with Costco 3% cash back but the credits and lounge access is worth the AF for the card. If I find a better deal using AMEX portal, so much the better or 6.25% cash back to Charles Schwab.
AMEX GOLD for 4x MR points groceries/dining. AMEX portal or 5% cash back to Charles Schwab.
AMEX BLUE BUSINESS PLUS for 2x points on everything. AMEX portal or 2.5% cash back to Charles Schwab.
CHASE BUSINESS INK CASH for 5% cash back on internet/cable/phone/office supply stores.
CITIBANK COSTCO VISA for 4% gas/Costco purchases where I buy most everything else. Bought a car last month even.
US BANK VISA for 5% utilities/department stores. My utilities are $500 a month so that is $300 cash back a year just on that card.
I have the last three cards already and a AMEX BCE so I don't think it will be a problem for me to get the first 3 from AMEX. One each month over the next 3 months and I can start the new year out simplified.
I know I discussed some personal cards but I think the simplification of using 6 cards is going to release my brain a bit from being obsessive about caring about the rest of my cards. I'll keep open BB VISA/SEARS VISA for the one off deals that Costco can't match only and I think the rest are going to go away. That will leave me relationships with AMEX, Chase, US BANK, Citibank. I can live with that.
Signature as of 10/01/21. Clean file. MYFICO 3B. I live in Green Bay, Wisconsin for those tracking what credit bureau is pulled by location.
FICO 8 EQ=796 TU=799 EX=801
FICO 9 EQ=816 TU=816 EX=813
MORTGAGE SCORES EQ=773 TU=782 EX=787
AAoA=4Y3M AoOA=11Y4M AoYA=5M
VANTAGE SCORES EQ=825 TU=813 EX=813
BUSINESS CREDIT SCORES. Formed LLC 6/1/18. YEARLY SALES=3M
EXPERIAN BUSINESS CREDIT SCORE=77 EXPERIAN FINANCIAL STABILITY RISK RATING=1 SMALL BUSINESS SCORE SERVICE SCORE=210 D+B=80
HARD PULLS last 12 months EQ=1 TU=1 EX=1 Three new accounts reporting.
HARD PULLS last 24 months EQ=1 TU=2 EX=2 Four new accounts reporting.
INCOME=$290k as of 10/01/21 for income stated on applications. DTI=2.5% Business sales 300k monthly.
MAIN BUSINESS and PERSONAL BANKING=CHASE
MORTGAGE=800K 03/21 2.25%
INSTALLMENT LOAN. Vehicle loan opened 08/18. Zero down. 45K at 0% for 60 months LINCOLN FINANCE.
OPEN PERSONAL ACCOUNTS/OPEN DATE
DISCOVER=34k 10/17 CITI COSTCO VISA=16k 06/18 US BANK CASH+=7k 06/18 PENFED PLATINUM REWARDS=10k 07/18 CHASE FREEDOM=10k 07/19 CHASE SAPPHIRE RESERVE=14.1k 09/20 AMEX PLATINUM= NPSL 04/21 AMEX HILTON SURPASS=10k 05/21
OPEN BUSINESS ACCOUNTS/OPEN DATE
CHASE INK CASH=10k 07/18 AMEX MARRIOT BONVOY=10k 02/19 CHASE INK UNLIMITED=10k 09/19 US BANK BUSINESS CASH=29k 10/19 WELLS FARGO BUSINESS PLATINUM=20k 11/19 AMEX LOWES BUSINESS=15k 11/19 AMEX BLUE BUSINESS PLUS=35k 02/20 CHASE INK PREFERRED=50k 07/20 AMEX BUSINESS GOLD=NPSL 09/20 AMEX BUSINESS PLATINUM=NPSL 05/21 CHASE BUSINESS LINE OF CREDIT= 225k 09/21
