I’ve been rocking with American Express since 2016. Today, I was denied an upgrade on my Hilton Honors card but approved for the AMEX Gold card 🤷🏽♀️. So, I decided to try my “luck” with Navy Federal and was approved as well but not happy with the credit limit honestly. No hard inquiry from AMEX but hard inquiry from NFCU 😭. My credit score took a 2 point decrease, but I’m not complaining. 🚀🔥. As a reminder, I joined Credit Skool on 04/20/2026.