On December 19, I will be awarding $100 to the person who has participated the most in our group. The winner will be determined by who has earned the most gems. This is a great opportunity to engage and interact more, so I encourage everyone to participate actively. Let’s make this fun and competitive! Let’s make this group pop. Let’s drop our gems. Let’s drop our wins.

El 19 de diciembre, otorgaré $100 a la persona que haya participado más en nuestro grupo. El ganador se determinará por quién haya ganado más gemas. Esta es una gran oportunidad para involucrarse e interactuar más, así que animo a todos a participar activamente. ¡Hagamos esto divertido y competitivo! Si usted ha aplicado por tarjetas líneas de crédito déjanos saber para que así otras personas también puedan aplicar. Gracias

To maximize your credit limit on preset limit cards, follow the 3X CLI rule: 1. First month: Keep your balance between 10-30% of the maximum limit at any point during the billing cycle. 2. Second month: Increase your balance to 40-60% of the limit if desired. 3. Third month: Maintain a balance between 40-60% of the limit and ensure you meet any bonus requirements. 4. At the 91-day mark: Request a 3x increase on your current limit. Make sure your balance is $0 at the time of the request, and ensure all payments are fully posted, not just pending. 5. Once approved for the increase, mark a date on your calendar 181 days after this date to request the next CLI. 6. Months 4 to 9: Ideally, cycle the card once a month, but at minimum, do so every 3 months. 7. Your CLI will be 3x the newest limit. For example, if your limit is $2,000 on January 1st, you can request a CLI to $6,000 on April 1st, and then to $18,000 on September 29th. Please note that this strategy is specifically recommended for the Amex Blue Business Plus card. It is not necessary to follow this approach for personal cards, as Amex is not typically relied upon for high-limit preset cards. Regarding preset limits, it is advisable to not exceed a total exposure of $35,000 across all Amex preset limit credit cards, unless you are comfortable with potentially undergoing a financial review. For charge cards (such as Platinum, Gold, Green, Plum, and Black Card), there is no preset limit. The spending power on these cards automatically adjusts on a monthly basis, eliminating the need for CLI requests. I hope this clarifies the information for you. Let me know if you have any other questions!

Repairing business credit involves a series of steps aimed at improving your company's creditworthiness. Here are the steps you can follow: 1. **Review Your Business Credit Reports**: Obtain copies of your business credit reports from major credit bureaus such as Experian, Equifax, and Dun & Bradstreet. Check for any errors or discrepancies. 2. **Dispute Errors**: If you find any inaccuracies in your credit reports, dispute them with the respective credit bureau. Provide documentation to support your claims. 3. **Pay Bills on Time**: Ensure that all your business bills, including loans, credit lines, and vendor accounts, are paid on time. Timely payments positively impact your credit score. 4. **Reduce Outstanding Debt**: Try to pay down any existing business debts. High levels of debt can negatively affect your credit score. 5. **Establish Trade Lines with Suppliers**: Work with suppliers who report to credit bureaus and establish trade lines. Paying these suppliers on time can help improve your credit score. 6. **Increase Credit Limits**: Request higher credit limits from your creditors, but make sure not to use the increased credit. This can lower your credit utilization ratio, positively impacting your credit score. 7. **Keep Credit Utilization Low**: Aim to keep your credit utilization ratio (the amount of credit you're using compared to your credit limit) below 30%. 8. **Maintain a Positive Credit History**: Keep older accounts open and maintain a good payment history. The length of your credit history can positively affect your credit score. 9. **Separate Personal and Business Finances**: Ensure that your business credit is separate from your personal credit. This can help protect your personal credit score and improve your business credit profile. 10. **Monitor Your Credit Regularly**: Keep an eye on your business credit reports regularly to track your progress and catch any new errors. 11. **Work with a Credit Repair Company**: If you're struggling to repair your credit on your own, consider working with a reputable credit repair company that specializes in business credit.

"If you have a business partner or spouse, you have the opportunity to apply for a business credit card together, as long as both of you own at least 25% of the company and have excellent credit scores. For instance, let's say you have an LLC where the husband and wife each own 50%. The husband can apply for the Chase Business Ink Unlimited card and be approved for a credit limit of $25,000. Similarly, the wife can also apply for the same card using her own social security number and the same EIN (Employer Identification Number), and obtain another credit card with a $25,000 limit. This means that with just one LLC, you can have a total credit limit of $50,000 at a 0% interest rate. It's important to note that this strategy can be beneficial, and rewarding 🔥