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.

Anyone with a good credit report, don't wait! Take action now! 💪 Building credit doesn't hurt, and you can delete inquiries within 30 days. Don't be scared, we're all in this together! 🚀 #CreditRepair #CreditScore #Finance #Action #Define Your Goals

Anyone who has a Navy Federal account should make this the first step to building a strong credit profile. DCU is doing the same thing. Only if you clean your credit and do your own credit repair can you start building. If you don't know how to open a Navy Federal account, comment "3, 6, 9." ACC (American Consumer Report) is your best friend, so you can open multiple Credit Union accounts! 🏦💪 #CreditProfile #CreditRepair #CreditUnion #Accounts #Finance

Start right now , dont wait .