Flagship Rewards = ✅

bubbafrombama · ‎12-21-2025

They attempted TU first (FICO 9 = 824), but frozen, then backed up with my unfrozen EQ FICO 9 = 846. Since 2017, have had their Visa Platinum (started at 10k CL with recent CLI to 16k) and $15k CLOC, plus $145k Auto Loan for almost 4 years.

EQ FICO 8/9 – 828/828 / Bankcard 8/9 – 835/834
EX FICO 8/9 – 795/802 / Bankcard 8/9 – 809/804
TU FICO 8/9 – 809/809 / Bankcard 8/9 – 838/818

12/11/2025
EQ FICO 8/9 – 828/846 / Bankcard 8/9 – 837/852
EX FICO 8/9 – 798/816 / Bankcard 8/9 – 813/820
TU FICO 8/9 – 814/824 / Bankcard 8/9 – 845/833

Dcowboy08 · ‎12-21-2025

Gratz, nice SL and APR...

coreyb80 · ‎12-21-2025

Congrats on the strong approval!

chasingthepoints · ‎12-21-2025

Congrats on the approval!

Rebuild2019 · ‎12-21-2025

Congratulations on your approval and SL @bubbafrombama

ptatohed · ‎12-21-2025

Was that '1' supposed to be in the $145k auto loan???

[Until I can make a pretty signature, here’s an updated draft]

Everyday 5% CB:
Chase prime Visa // citi CUSTOM CASH “A” // citi CUSTOM CASH “B” // citi SHOP YOUR WAY (5% gas (in points), lucrative spending offers) // mylowe’s Rewards // Target circle card // primis Perks debit Visa (50c CB per transaction (5% CB or more up to $10 spend))

5% CB rotating:
Chase “OG” freedom Visa // DISCOVER it Cash Back // nusenda CU Platinum Cash Rewards

Everyday 4% CB:
US Bank Smartly (v1.0)

Everyday 3% / 2.2% CB:
AOD FCU Visa Signature (3%, sockdrawered) // upgrade Cash Rewards Elite (2.2%, sockdrawered)

Welcome Offer / credits only:
Chase SAPPHIRE PREFFERED (grabbed my $1,000, sockdrawered, will cancel) // NFCU FLAGSHIP REWARDS (elevated Welcome Offer, annual prime credit, sockdrawered)

Hotel card:
Chase IHG ONE REWARDS PREMIER (elevated Welcome Offer, 1 free night/yr)

On my radar:
Langely FCU Signature Cash Back (5% CB monthly selectable cat) // Safe CU Cash Back+ (Quarterly rotating 5% CB cats plus bonus cats) // upgrade MyFive Cash Rewards (5% CB monthly selectable cat) // US Bank Kroger (and family) World Elite Master Card(s) (5% CB Mobile Wallet)

BrutalBodyShots · ‎12-21-2025

Sweet $25k approval! Enjoy the new card.

Priory_Man · ‎12-22-2025

Congrats on the new card

"Total revolving credit $300,000 Current UTIL <1%"

Copenix · ‎12-22-2025

Very nice indeed. Congrats on your approval and strong SL.

Building credit in the U.S. since January 2022

Current cards:

Total Credit Limit $117.8K | Utilization 0.9%

FICO 8s December 2025

JoeRockhead · ‎12-22-2025

Very nice SL, congratulations on your approval!