Just got another $120K at 0% on ONE card from Chase today.
Yeah… one card. 🤯 And you are going to want to read this.
💡 Here’s What Most People Don’t Understand About Chase.
Chase is one of the best banks in the game if you know how to use it.
👉 You can move limits between cards
👉 You can recycle 0% over and over
👉 You can stack across multiple LLCs
🔁 The Strategy (This Is Where It Gets Interesting)
Last year:
• Had a $71K card at 0%
• Used it, ran spend, earned points + cash back
• Paid it down strategically
Then…
👉 Applied again → got approved for $46K
Now here’s the move:
• Move ~$70.5K from the old card
• Combine it with the new $46K
💥 Now we have ~$117k at 0% on ONE card for another year
📈 My Chase Journey (Real Numbers)
2022
• $30K approval
• $5K approval👉
$35K total at 0%
2023
• New approval: $20K• Moved limits → now $55K at 0%
• Still had previous $35K
2024
• New approval: $10K
• Moved limits → now $65K at 0%
👉 Running total:• $65K + $55K + $35K = $155K
Then…
• Got a $5K approval (most people would be mad… this is actually GOOD)
👉 Why? Because it lets you extend and rebalance limits
• Moved → now ~$70K card
👉 Running total now
:• $70K + $65K + $55K + $35K = $225K
🚀 Fast Forward To Today
• New approval: $46K (biggest yet)
• Moved ~$71K onto it
💥 Now:👉 ~$117K–$120K at 0% on ONE card
📊 Total From Chase Alone:
• $120K• $70K• $65K• $55K• $35K
💰 = $300K+ in 0% funding from ONE bank
🧠 Real Lesson Here
This isn’t luck.
This is:
• Timing applications
• Understanding bank behavior
• Moving limits strategically
• Playing the long game
I’ve been doing this for 5+ years now.
⚠️ Most People Do This WRONG
They:
• Max one card
• Don’t understand limit transfers
• Apply randomly
• Burn relationships with banks
Then wonder why they get stuck.
🎯 If You Want To Learn This…
Comment “YES” if you want more breakdowns like this.