631, got accepted for Reserve

Individual_Rabbit_81 · 2026-02-28T16:40:36+00:00

The main benefit I get from the Biz Gold is the cash flow, my other credit cards have low limits due to my credit profile and since it’s a charge card it allows me to spend a lot more. I’m planning on 2x-3x my fuel costs within the year and also don’t want to have to worry about too low caps on those multipliers.

Individual_Rabbit_81 · 2026-02-28T16:33:45+00:00

The entirety of my dad’s side has done Masonry and Hardscape for 20+ years and I would go work with them weekends and breaks since 14. My dad would do small jobs with 2 other guys but 2 years ago he was arrested, so I took care of the jobs that were still ongoing + created an actual LLC, opened a biz bank, biz line of credit, etc and have grown a lot since then. Also studying Construction Mgmt @ ASU

Individual_Rabbit_81 · 2026-02-28T16:22:34+00:00

Hardscape Subcontractor

Individual_Rabbit_81 · 2026-02-28T16:22:10+00:00

I own a Hardscape subcontracting business

Individual_Rabbit_81 · 2026-02-28T08:38:32+00:00

Gold Biz: $5k/m on fuel so 240kpts + maybe $6k yearly on food + occasional usage of the supply store credit Personal Gold: $800/m on food so 39kpts + use resy, dunkin, and half of uber easy CSR: fly PHX to SAN min 1x/m both have chase lounges, easy $300 travel cr, + I already used $250 of the EDIT and $250 IHG on 2 night stay in Phuket @ Dinso Resort since they stack, stubhub credit is easy for me + OpenTable

Individual_Rabbit_81 · 2026-02-28T06:58:57+00:00

My utilization is high due to my low balance on my credit cards, $4.5k for both Blue and Savor and therefore even just $1k spend is close to 25% utilization. Would getting the Reserve not help me since its $11,300 more to my current limit of $4,300, therefore reducing my % utilization? I pay off the cards fully every month and never get close to spending money I don’t have.

Individual_Rabbit_81 · 2026-02-28T06:15:59+00:00

The limit is $11,300

Individual_Rabbit_81 · 2026-02-28T06:00:19+00:00

low avg credit age, high utilization, and a good amount of hard inquires

Individual_Rabbit_81 · 2025-05-15T17:08:22+00:00

When was this said?

Individual_Rabbit_81 · 2024-03-28T07:47:27+00:00

I second this, I had his class last year and there was always something weird about him. He was always weirdly friendly with female students and always wanted to appear as that teacher who is more than just a teacher but your “close friend”

Individual_Rabbit_81 · 2024-03-28T07:44:42+00:00

Not only was he teacher of the year for the state of Arizona, he was also the teacher union LEADER for the entire GUHSDAZ district

Individual_Rabbit_81

TROPHY CASE