🖼 Design & Flyer Creation Canva – https://www.canva.com – AI-assisted flyer, post, and social media design. VistaCreate – https://create.vista.com – Templates for social media and flyers. Adobe Express – https://www.adobe.com/express – Quick designs and resizing tools. Looka – https://looka.com – AI logo & brand kit generator. Stockimg AI – https://stockimg.ai – Generate stock images, mockups, and visuals. Runway ML – https://runwayml.com – AI-powered video editing and creative tools. Remove.bg – https://www.remove.bg – Instant background remover for photos. Beautiful.ai – https://www.beautiful.ai – AI-powered presentations for client reports & onboarding. --- 📝 Content Writing & Captions Jasper – https://www.jasper.ai – AI copywriter for ads, captions, and blogs. Copy.ai – https://www.copy.ai – Creates captions, email campaigns, and product descriptions. Writesonic – https://writesonic.com – Writes blogs, landing pages, and ad copy. Anyword – https://anyword.com – AI copy generator optimized for conversions. ChatGPT – https://chat.openai.com – Flexible AI assistant for any content writing need. --- 🎥 Video & Social Media Content Pictory – https://pictory.ai – Turns text into engaging videos for social. Synthesia – https://www.synthesia.io – AI avatar video creator. ElevenLabs – https://elevenlabs.io – AI voiceovers for explainer videos. Descript – https://www.descript.com – Edit videos/audio by editing text. CapCut – https://www.capcut.com – Mobile-friendly video editor with AI captions. ---

Going live , to start the week 1 day 1

Stacking = applying for several cards across multiple banks/credit unions in a short window (usually 30–60 days), while spreading bureau pulls and avoiding auto-denial rules. Step 1 — Know the Core Rules (don’t skip!) - Chase 5/24 Rule → If you’ve opened 5+ personal cards in the past 24 months, most Chase cards will deny. - Amex 2/90 Rule → Amex generally limits you to 2 new credit cards in 90 days. - Citi 1/8 Rule → Only 1 Citi card approval every 8 days, and 2 every 65 days. - U.S. Bank & Barclays → Very sensitive to recent new accounts. 👉 That’s why sequencing matters! Step 2 — Credit Union Strategy (they’re friendlier & give higher limits) Here’s a credit union pull list (typical bureaus — varies by state/profile, but these are common): Credit Union Typical Bureau Pulled ; Notes 0. Navy Federal CU (NFCU) TransUnion Membership: military/family. Known for $25K+ limits. 1. PenFed CU Equifax Membership open to all. High approval odds. 2. Alliant CU Equifax Tech-friendly; strong online approvals. 3. Digital Federal CU (DCU) Equifax Easy membership via partner donations. 4. First Tech FCU Equifax Good limits, open to all. 5. NASA FCU Equifax Membership open to all (via association). 6. BECU (Boeing Employees CU) TransUnion Membership open in certain states (WA, OR, ID). 7. Langley FCU Equifax Good card offers; open to many. 8. Security Service FCU Experian Regional but strong approvals. 👉 These CUs are powerful because they often pull only one bureau and can give $10K–$25K+ per card/line if your credit and income support it. Step 3 — 30-Day $100K Credit Stacking Plan Week 1: Setup - Pull credit reports (all 3 bureaus). - Pay down balances (aim under 10% utilization). - Unfreeze bureaus. - Pre-qualify with major banks (Amex, Chase, Citi, Discover, etc.). Week 2: National Banks ($40K–$50K) - Day 1 (Experian heavy): Apply for 1–2 Amex cards (Platinum/Gold/Blue Cash Preferred) 1 Chase card (Sapphire Preferred/Freedom Flex) - - Day 3 (Mix): Apply for Citi Double Cash or Premier, Discover IT.

(Week of August 25, 2025) Here are the top lenders giving out personal and business funding this week. 🔹 PERSONAL FUNDING (In Your Name) 1. SoFi – Loans up to $50,000 | Great rates, no fees. 2. Upgrade – Up to $50,000 | Good for building credit. 3. Avant – Up to $35,000 | Works with lower credit scores. 4. Discover – Up to $40,000 | Fast approvals, fixed payments. 5. Marcus (Goldman Sachs) – Up to $40,000 | No fees, good for debt payoff. ✅ Use personal loans to build credit or cover big purchases. 🔹 BUSINESS FUNDING (In Your Biz Name) 1. BlueVine – Business line of credit up to $250,000. 2. Kabbage (Amex) – Business line of credit, easy online approval. 3. Fundbox – Small loans and lines of credit (good for new businesses). 4. Lendio – Connects you to 75+ lenders for the best match. 5. OnDeck – Fast business loans, great if you already make revenue. ✅ Business loans help build business credit separate from your personal credit. 🔑 QUICK TIPS - Personal = builds your personal credit. - Business = builds your business credit. - Always borrow only what you can pay back. - Start with smaller amounts → grow to $100K+ funding later.

Here’s the latest on legal actions involving Capital One, along with guidance on how to respond or file a related claim: 1. Lawsuits Against Capital One A. New York Attorney General Lawsuit On May 14, 2025, New York Attorney General Letitia James filed a lawsuit in Manhattan federal court against Capital One, alleging deceptive practices related to its “360 Savings” accounts. The complaint claims that although the account was promoted as “high interest,” Capital One kept rates frozen at just 0.30% even as national rates rose. Meanwhile, they launched the “360 Performance Savings” account with rates up to 4.35%—but failed to inform existing 360 Savings account holders, allegedly instructing staff not to volunteer the information. The AG is seeking civil penalties and restitution under New York’s consumer protection laws. B. CFPB Enforcement Lawsuit On January 14, 2025, the Consumer Financial Protection Bureau (CFPB) sued Capital One, accusing them of misleading consumers and avoiding paying billions in interest by obscuring the difference between the 360 Savings and the higher-yield 360 Performance Savings accounts. However, this suit was dropped in February 2025 following a change in CFPB leadership. C. Trump Organization Lawsuit In March 2025, the Trump Organization sued Capital One in Florida, alleging that the bank closed hundreds of Trump-associated accounts due to alleged political bias, framing the action as “de-banking” based on ideological grounds. Capital One denied the claims, stating no accounts are closed for political reasons. The suit seeks punitive damages, attorney’s fees, and a jury trial. D. Class Action Settlement – 360 Savings Interest Litigation Capital One agreed to a significant $425 million class action settlement in the case titled In re: Capital One 360 Savings Account Interest Rate Litigation, filed in the U.S. District Court for the Eastern District of Virginia. The lawsuit accuses Capital One of failing to raise interest rates on the 360 Savings account while launching the higher-yield 360 Performance Savings account without notifying existing customers.