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Most lenders still use FICO models; VantageScore is common in consumer apps but not lending decisions.
5+ new personal cards in 24 months = likely denial for most Chase cards. Business cards have exceptions.
Centurion Lounge access and airline credits provide real value, but you need to travel frequently to justify the $695 annual fee.
Legitimate credit repair focuses on removing inaccurate items and building positive history. Avoid scams that promise overnight fixes.
Churning involves opening cards for signup bonuses then closing them. Requires excellent credit and careful planning to avoid damage.
LLCs can apply for business cards using EIN. Helps separate business/personal expenses and build business credit history.
Strong earning rate and travel benefits, but transfer partners are limited compared to Chase/Amex. Good for simple travel rewards.
Individual card utilization matters more than overall utilization. Paying before statement date can help optimize scores.
Discover matches all cashback earned in first year, effectively doubling rewards. Great starter card with no annual fee.
Adding family as authorized users can help build their credit, but choose cards with low utilization and perfect payment history.