Score: 796 - 3 credit cards Bank of America: $8.5K Apple Card: $9.4K Authorized User: $8.5K - - Auto loan (open and paying) - One auto loan closed & paid - Last hard inquiry: April 2025 - Average age: 3 years 3 months - Business relationship: only with Bank of America She already had 2 cards totaling $22K. Last week I got her one more for $11K and combined the limits → now $33K, which is what she needed for the moment. My approach: Add Amex (personal) – 1 card - Add Chase (personal) – 1 card - Then wait 6 months to go for funding - I also advised her to open more bank accounts with other institutions to build relationships. What do you think? @David Ramirez