Credit, Banking
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New investigations, approval datapoints, news, and practical guides.
Our community member Mario got approved for $34,000 from BECU with only one hard pull.
That approval included:
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$19,000 personal credit card
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$15,000 personal li
...
There is a big difference between being fundable in real life and looking fundable on paper.
That difference can decide whether the bank says yes or no.
One person can ...
Banks are judging you on more than your credit score.
That’s the part most people miss.
You can have a decent FICO score, low utilization, and no late payments, and sti...
A credit card company escalations supervisor shared a rare behind-the-scenes look at how customer service really works.
And the biggest lesson is simple:
The person on ...
Most new business owners make the same banking mistake.
They open one business checking account, dump every dollar into it, and then try to run the whole company from on...
Applying for new credit cards can feel exciting.
You get the approval.
You get the sign-up bonus.
You get more available credit.
You get the travel perks.
You feel like you ...
A seasoned entrepreneur with more than 20 years of experience walked into Wells Fargo in a suit and walked out with a $25,000 business line of credit.
No tax returns.
No ...
Most people want excellent credit.
But they never stop to ask a simple question:
“What does average actually look like?”
Because once you know the average, you can sta...
I have received a ton of credit limit increases across my personal credit cards.
And almost all of them had one thing in common:
I manually requested them.
If I had ju...
I’ve been flooded with messages about the Capital One and Discover merger.
Screenshots.
Emails.
Panic DMs.
“Cal, is this good?”
“Is this bad?”
“Do I need to switch banks?”
“...
People ask this all the time:
“How many credit cards should I have?”
And the honest answer is:
It depends.
Not everyone should have the same number of cards. Some peo...
Navy Federal is one of the most talked-about credit unions in the credit card world.
And for good reason.
People chase Navy Federal because of the high-limit credit car...