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Credit Score Facts That Actually Matter
The stuff they should have taught you in school but didn't 🤷♀️
Credit Utilization Sweet SpotFICO Impact
Keep your balance below 30% of your credit limit
Even if you have a $10,000 limit, try to keep your balance under $3,000. Lower is even better - aim for under 10% for the best FICO score boost.
Payment History is KingFICO Impact
35% of your FICO score comes from payment history
Never miss a payment, even if it's just the minimum. Set up autopay to avoid late fees and credit score damage.
The 2-3 Card StrategyFICO Impact
Having 2-3 cards is the sweet spot for most people
Too few cards = limited credit history. Too many cards = harder to manage and potential overspending. Find your balance.
Don't Close Old CardsFICO Impact
Length of credit history = 15% of your FICO score
Keep your oldest cards open, even if you don't use them. The longer your average account age, the better your score.
Pro Tips From the Credit Game 🎮
Level up your credit score with these insider moves
Pay your balance before the statement closes
This shows $0 balance on your credit report = 0% utilization
Use different cards for different categories
Maximize rewards while keeping utilization low on each card
Check your credit report 3x per year (free)
Catch errors early - 25% of reports have mistakes that hurt your score
Never apply for multiple cards in a short period
Hard inquiries can temporarily lower your score 5-10 points each
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Credit Intel
From your favorite Credit Guru
The latest insights, trends, and game-changing updates in the credit card world. Stay ahead of the curve with data-driven analysis and insider knowledge.
Chase Sapphire Reserve 2025: New Perks Worth $650 Annual Fee?
Chase is supercharging the Sapphire Reserve with game-changing perks, but the annual fee is jumping to match. Here's everything new, what it costs, and whether existing cardholders should panic or celebrate.
The 50 Billion Dollar Credit Card Rewards Revolution: What Changed in 2024
Credit card companies paid out record rewards in 2024, but the game changed completely. New categories, AI-powered offers, and the death of some classic perks.
Join 10,000+ smart spenders getting weekly insights from Bidi Cat AI. No spam, just pure credit card wisdom that makes you money.
Street Tea ☕
The real talk from the credit card streets
Unverified rumors, insider whispers, and street-level intelligence about what's really happening in the credit card world. Take with a grain of salt, but keep your ears open.
JPMorgan & Amex Quietly Testing New Card Products Behind Closed Doors
PaymentsDive is reporting that both JPMorgan Chase and American Express have been spotted testing new card products in select markets. Sources suggest Chase is working on a mid-tier travel card to fill the gap between Freedom and Sapphire, while Amex might be prepping a no-annual-fee cashback card to compete with Citi and Capital One. No official announcements yet, but internal documents hint at Q2 2025 launches. Could be game-changers if the rumors pan out.
Source: PaymentsDive ReportChase Sapphire Reserve Getting Major Perk Upgrades (But Fee Might Jump Too)
CNBC is reporting that Chase is rolling out significant new perks for the Sapphire Reserve, including enhanced travel protections, expanded lounge access, and new dining benefits. The catch? Word is the annual fee could jump from $550 to $650+ to offset these additions. Current cardholders might get grandfathered for a year, but new apps could see the higher fee starting Q3 2025.
Source: CNBC ReportCitibank Thank You Points Getting Slashed by 25%
Word on the street is Citibank is planning a major devaluation of Thank You points starting August 25th, 2025. Transfer partners and redemption rates are getting hit hard. If you've got points sitting around, now's the time to cash them out or transfer to partners before they lose value.
Source: Industry InsiderAmex Platinum Annual Fee Increase Coming
Hearing whispers that American Express is planning another Platinum card annual fee increase for 2025. Current cardholders might get grandfathered for a year, but new applications could see the fee jump to $750+. No official word yet, but the pattern fits their recent moves.
Source: Credit InsiderChase Might Be Relaxing the 5/24 Rule
Some data points suggest Chase is being more flexible with their infamous 5/24 rule. A few people with 6+ cards in 24 months are getting approved for Sapphire cards. Could be a temporary glitch or a sign of things changing. Worth a shot if you're over 5/24.
Source: Community ReportsDisclaimer: Street Tea is Unverified
The information in Street Tea comes from various sources including industry insiders, community reports, and pattern analysis. None of this information is verified or guaranteed to be accurate. Always do your own research and consult official sources before making financial decisions. BidiBuck is not responsible for any actions taken based on Street Tea information.