Her second USB card... $200 cash back for $1000 spend, 15 months zero interest on purchases and BTs.
Pulled TU. TU8 score is 746.
Starting CL + $9K.
Inquiries 0/6, 8/12, 11/24.
New accounts 0/6, 1/12, 6/24.
We'll hit the SUB, then use the zero percent BT offer.
Fico 8 06/01/26: EX 791, EQ 819, TU 808.
Fico 9: EX 812 04/15/25, EQ 804 04/08/25, TU 792 02/15/25.
Zero percent financing is where the devil lives...
