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Total Credit

$58,000

across 4 cards

Utilization

4.9%

$2,870 of $58,000

Available Credit

$55,130

Report 5/24

2/5

3 slots on the bureau report

Chase-Effective 5/24

1/5

4 slots before Chase stops approving

AU cards usually count on the report but Chase underwriting ignores them.

Amex 2/90

0/2

Clear for next Amex

Amex 1/5 · 1/8

Last 5 days0

Last 8 days0

Drop a PDF, spreadsheet, photo, or just paste — the AI will parse your wallet and propose drafts for review.

Get an AI-generated next-card pick based on your wallet, profile, and velocity.

Short, specific guides to every rule worth knowing — credit scores, issuer velocity, utilization timing.

Two score families, one 300–850 range, very different adoption.

Which cards count, which don't, and how to engineer around it.

AZEO, statement-close timing, the 9% rule, soft-pull CLIs.