RobinHood gold card

911gt34life · ‎06-16-2025

Looks like I cannot extend application needed more time for report to update with 1% utilization probably pass ..

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unsungivy · ‎06-17-2025

Huh?

Elan Financial Max Cash Preferred VS | $25k @ 18.74% (prime + 11.24%) | 7/20/2021

Elan Financial Max Cash Preferred WMC | $25k @ 18.74% (prime + 11.24%) | 7/20/2021

BofA Customized Cash Rewards WMC | $25k @ 18.24% (prime + 10.74%) | 4/13/2022

BofA Customized Cash Rewards VS | $25k @ 18.24% (prime + 10.74%) | 4/13/2019

BofA Premium Rewards VS | $28k @ 20.24% (prime + 12.74%) | 4/13/2025

Chase Marriott Bonvoy Boundless VS | $17.1k @ 25.49% (prime + 17.99%) | 7/20/2025

Amazon Prime VS | $25k @ 18.49% (prime + 10.99%) | 1/20/2021

Chase Freedom Flex WMC | $25k @ 25.24% (prime + 17.74%) | 7/20/2024

Gemini Card WMC | $21k @ 17.24% (prime + 9.74%) | 6/21/2022

Shop Your Way MC | $10.4k @ 33.24% (prime + 25.74%) | 7/20/2024

AmEx Blue Cash Preferred | $10k @ 18.24% (prime + 10.74%) | 7/20/2022

AU -

The Ritz-Carlton Visa Infinite | $20k (Authorized User) | 9/11/2023

Biz -

Chase Ink Business Preferred VS Business | $8.5k @ 17.49% (prime + 9.99%) | 6/21/2021

Chase Ink Business Cash VS Business | $20k @ 17.49% (prime + 9.99%) | 6/21/2025

AmEx Blue Business Plus | $30k @ 17.49% (prime + 9.99%) | 6/21/2024

AmEx Marriott Bonvoy Business | $25k @ 27.24% (prime + 19.74%) | 6/21/2025

Sock -

AOD FCU VS | $5k @ 17.00% (prime + 9.50%) | 6/15/2021

Affinity FCU Cash Rewards VS | $35k @ 16.75% (prime + 9.25%) | 6/17/2022

AmEx EveryDay | $20k @ 19.49% (prime + 11.99%) | 8/12/2003

Debit Cards -

PayPal Debit Card | 5% Cashback | 9/21/2024

Quontic Cash Rewards Checking Debit Card | 1% Cashback | 12/1/2024

Affinity Cash Back Debit Card | 1% Cashback | 9/21/2024

Affinity High-Yield Checking Debit Card | 5.5% APY on $15k | 9/21/2024

Chopping Block -

Chase Ink Business Unlimited VS Business | $500 @ 23.49% (prime + 15.99%) | 6/21/2024

Macy’s AmEx | $25k @ 30.24% (prime + 22.74%) | 5/13/2011

ptatohed · ‎06-17-2025

@unsungivy wrote:
Huh?

Lol. I didn't understand either. Guessing.......... OP finally received the invite to apply, but they feel they need more time to better their score by achieving a lower utility usage, and the application window isn't long enough to accomplish lowering their ute? Dunno!!!

[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

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)

unsungivy · ‎06-17-2025

@ptatohed wrote:
@unsungivy wrote:
Huh?
Lol. I didn't understand either. Guessing.......... OP finally received the invite to apply, but they feel they need more time to better their score by achieving a lower utility usage, and the application window isn't long enough to accomplish lowering their ute? Dunno!!!

Info would be useful. I'm still on the waiting list there, and if they only give you a limited window to accept the offer to apply, I'd like to know ahead of time!

AU -

Biz -

Sock -

Debit Cards -

Chopping Block -

ptatohed · ‎06-17-2025

I've been on the wait list too, since last year. I lost interest now that I have the 4% Smartly. But, with the Smartly's days potentially numbered, a back-up 3%+ plan is not a bad idea.

[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

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)

unsungivy · ‎06-17-2025

@ptatohed wrote:
I've been on the wait list too, since last year. I lost interest now that I have the 4% Smartly. But, with the Smartly's days potentially numbered, a back-up 3%+ plan is not a bad idea.

Smartly has a FTF. Robinhood does not.

AU -

Biz -

Sock -

Debit Cards -

Chopping Block -