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Long-form guides, teardowns, and strategies for getting the most out of your credit cards — grounded in the community database, not affiliate marketing.
Wells Fargo Application Rules: The 1/6 Rule, the 6/24 Myth, and the 48-Month Bonus Clock
Wells Fargo's one-card-per-six-months rule, why the 6/24 rule is contested rather than confirmed, and the 48-month bonus restriction that catches most applicants.
U.S. Bank Application Rules: Why Approvals Depend on Your Relationship, Not a Velocity Cap
U.S. Bank has no published 5/24-style rule, but it is one of the harder issuers to get approved by. How total credit exposure, deposit relationships, and the 5/12 pattern work.
Amex Application Rules: 1/5, 2/90, and the 5-Card and 10-Charge-Card Limits
Every American Express application rule beyond once-per-lifetime: the 1/5 and 2/90 velocity caps, the 5-credit-card and 10-charge-card holding limits, and the pop-up.
Citi Application Rules: The 1/8, 2/65, and 48-Month Rules Explained
Citi's three application rules in 2026: one card per 8 days, two per 65 days, and a 48-month wait between welcome bonuses. What each one counts and how to sequence around them.
Paze's Spend $10, Get $10 Back Offer: Free $100 Per Card, and How to Actually Use It
Paze is giving a $10 statement credit on $10+ purchases, up to 10 times per card, through September 10, 2026. Here is how it works and where to spend it.
Foreign Transaction Fees: Which Cards Waive Them, and Why 'No FTF' Cards Can Still Cost You Abroad
What foreign transaction fees actually are, which cards have them and which don't, the dynamic-currency-conversion trap, and the no-FTF picks for international travelers.
FICO vs VantageScore: Which One Lenders Actually Use, and Why Your Free Score Isn't Your Real Score
The two main credit scoring models in 2026, which lenders use which, why 'free score' apps often show you a different number than your lender, and what each model actually weighs differently.
U.S. Bank Cash+ Explained: What Counts as Ground Transportation (and What Doesn't)
The Cash+ 5% Ground Transportation category covers Uber, Lyft, and Citi Bike, but not Uber Eats. Here is how the card works and how to pick categories.
Annual Fee Math: When Premium Credit Cards Actually Pay Off
How to calculate whether a $95, $250, or $695 annual fee card is worth it for you, the credits that actually count, and the cards that look better on paper than in real life.
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