Aug 28 (edited) • Big Wins
🎯 Goal: $100K in Credit Limits (Credit Card Stacking)
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.
- 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 3: Credit Unions ($40K–$45K)
- Day 10 (Equifax heavy): PenFed Power Cash Rewards Alliant Visa Signature First Tech Choice Rewards
- Day 12 (TransUnion heavy): Navy Federal Cash Rewards or Flagship Rewards BECU Visa Signature
Week 4: Secondary Issuers ($10K–$15K)
- Day 20: Barclays (AAdvantage, Arrival) – usually TransUnion.
- Day 22: Wells Fargo Reflect/Active Cash – usually Experian.
- Day 25: FNBO Evergreen – usually Experian/TransUnion.
Step 4 — Lock It Down
- Set autopay to avoid missed payments.
- Keep usage <10% before statements cut.
- After 91 days, request CLIs (credit limit increases). Many issuers will bump you up another $5K–$10K if you’ve used the cards responsibly.
âš¡ Quick Math: How $100K Stacks
- Amex (2 cards) → $20K
- Chase (1–2 cards) → $15K–$20K
- Citi/Discover → $10K–$15K
- PenFed/Alliant/First Tech → $30K combined
- Navy Fed/BECU → $20K+ combined
- Barclays/Wells Fargo/FNBO → $15K combinedTotal Potential: $100K+
🔥 Pro Tip: Always batch apps within a few days so your new accounts don’t show up and spook the next bank. Spread across bureaus (EX, EQ, TU) so you don’t overload one report.
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🎯 Goal: $100K in Credit Limits (Credit Card Stacking)
