Hello everyone, I haven’t applied for this card—they’ve just been offering it to me for about two weeks now. Is it a good idea to accept it, even though I know it’s going to have a small limit?

Hello Cloud family, I’ve noticed that I’ve been using my cards very aggressively spending about 80% of the limit every week, then paying it off within 1–2 days. After doing this consistently for around 60 days, they automatically gave me a credit limit increase. For example, with a $500 limit: Week 1: Spend $400, pay off $400 Week 2: Spend $400, pay off $400 Week 3: Spend $400, pay off $400 …and so on for about two months. Then, before the statement date, I leave around $25 (about 5%) unpaid. Let me know what you guys think about this strategy. I’ve tried it, but I’m not sure if it’s actually a good approach.

Hello everyone, what is the best business account to open for a new LLC?

I tried opening Bank of America before and it didn't work. Couldn't verify me online, they asked me to go to a branch with 2 forms of ID. This time I try again. And it worked. What I did: I opened Advantage Plus Banking and Advantage Savings. During the application, I selected U.S. resident alien even though that's not technically my status. The account opened instantly - well, it went into review first, and after about 1 hour I got the approval email. No identity verification was asked this time. I also applied through the USD 500 cash bonus offer. The only thing I changed this time: I applied from my desktop using the Classroom setup with the USD 1 data proxy.

Hello everyone, I’m new here. My profile is: - Navy Federal (Platinum, $500 limit with an $11k pledge loan) - Capital One ($200 unsecured) - 677 credit score (Equifax) I just received a $2,000 increase from Navy Federal. Is there a way to ask for reconsideration without a hard pull?