BrianGoFor100

1906 #IPI 🦍❄️ [email protected] #SIUE

[hunter @3gpmh]

idgaf if we met an hour ago put me first

[Moriö @tebogstaT]

When she thinks she’s competing with other girls but she’s actually competing with how happy I am alone.

[​𝐥𝐲𝐫𝐚 @sunnkssdseraph]

all relationships can survive mistakes, but they cannot survive patterns. Repeated behavior isn't a mistake, it's a decision, apologies lose meaning when the actions never change

[hunter @hxxntrr]

You can open a Chase business checking account with $2000 and get automatically pre-approved for $50,000 in Chase business credit 30 days later because Chase's algorithm gives preferential treatment to existing banking customers and nobody talks about this

The approval rate for Chase Ink cards for people with an existing Chase business checking account is dramatically higher than for cold applicants. The bank's internal data shows that customers with a banking relationship are lower risk because they can see your deposits, your cash flow, and your account activity in real time

This is called a "banking relationship bonus" and it's the single most overlooked cheat code in the business credit game

Here's how to exploit it at every bank simultaneously:

Day 1: Open a business checking account at Chase. Walk in with your LLC paperwork and EIN. Deposit $5000. Takes 30 minutes. (If you don't have an LLC, form one on your state's website for $50 to $200 in 10 minutes. Get an EIN from irs .gov in 5 minutes. Free)

Day 1: Open a business checking at Bank of America. Same LLC paperwork. Same EIN. Deposit $500-2k

Day 2: Open a business checking at Wells Fargo. Deposit $500-2k

Day 3: Open a business checking at US Bank. Deposit $500-2k

Total invested: $2000-5000 across 4 banks. This is not money you're spending. It's sitting in checking accounts earning nothing. It's bait

For 30 days, run normal business transactions through these accounts. Direct deposit from clients. Pay a few invoices. Buy supplies. Move money in and out. You're building what banks call "account activity" which is the signal their algorithms use to determine how much they trust you

Day 30: Apply for Chase Ink Business Unlimited. The Chase system sees: existing customer, 30 days of deposits, active account, clean personal credit. The algorithm gives you a higher credit line and higher approval probability than an identical applicant who doesn't bank with Chase

A cold Chase application with a 720 score: typical limit $15K to $30K
A relationship Chase application with a 720 score + 30 days of banking history: typical limit $25K to $50K

Same score. Same person. $10K to $20K higher limit because you deposited $500 in a checking account 30 days earlier

Day 32: Apply for Bank of America Business Advantage. Same thing. BofA's system sees an existing business checking customer. Preferential treatment

Day 34: Apply for Wells Fargo Signify Business Cash. Same relationship bonus

Day 36: Apply for US Bank Triple Cash. Same play

You deposited $500 at each bank. 30 days later each bank is treating you like a valued existing customer instead of a stranger off the street. The credit limits are 30 to 60% higher across the board

Results from a client who ran this exact sequence:

Without banking relationships (cold applications):
Chase: $20,000
BofA: $25,000
Wells: $15,000
US Bank: $20,000
Total: $80,000

Same person, same score, WITH banking relationships (30 days of checking first):
Chase: $45,000
BofA: $50,000
Wells: $30,000
US Bank: $35,000
Total: $160,000

$80,000 more in total credit. Because he deposited $2,000 in checking accounts a month before applying. The $2,000 was never spent. He withdrew it all after the cards were approved

The cost of the extra $80K in credit: $0 (the $2,000 was a deposit, not an expense, and he got it back)

But the relationship hack goes even deeper at Chase specifically

Chase has a program called "Chase Private Client" that you qualify for with $150,000 in combined deposits and investments. But they also have "Chase Business Complete Banking" which gives you enhanced business credit access with just $2,000 in average daily balance

If you keep $2,000 sitting in the Chase business checking for 30 days, you qualify for their enhanced business banking tier. This tier gets flagged in their credit card underwriting as "established business banking customer" and the approval algorithm treats you differently

A Chase loan officer once told a client of ours (off the record): "if you have a business checking with us I can basically guarantee the Ink approval. The system loves existing customers. Cold applicants with the same score get denied all the time"

The banks built these systems to reward loyalty. You're not being loyal. You're depositing $500, waiting 30 days, and extracting $50K in 0% credit. The "loyalty" costs you a 30-day wait and a deposit you get back

Here's the optimal sequence for maximum total credit:

Week 1: Open business checking at Chase ($500), BofA ($500), Wells ($500), US Bank ($500)
Week 1-4: Run normal transactions through all 4 accounts. Deposit income. Pay bills. Move money. Create activity
Week 5: Apply for Chase Ink Business Unlimited + Ink Business Cash (same day, both relationship-boosted)
Week 6: Apply for BofA Business Advantage (relationship-boosted)
Week 6: Apply for Amex Blue Business Plus (Amex doesn't use banking relationships the same way but they soft-pull existing cardholders, so apply here mid-sequence)
Week 7: Apply for Wells Fargo Signify (relationship-boosted)
Week 7: Apply for US Bank Triple Cash (relationship-boosted)
Week 8: Apply for Capital One Spark (no relationship hack but pulls TransUnion which is clean by now)

Total expected with relationship bonuses and a 720+ score: $200K to $320K

Total expected WITHOUT the banking relationship setup: $120K to $200K

The 30-day checking account setup adds $80K to $120K in additional credit capacity. For $2,000 in refundable deposits

every credit card application guide on the internet tells you to "apply to the right banks in the right order." nobody mentions that depositing $500 in a checking account 30 days before applying increases your limit by 30 to 60% at that same bank. because the youtube gurus never actually worked in banking. the relationship bonus is in every bank's underwriting documentation and none of them advertise it because they'd rather give you $20K than $50K lmfaooo

(we get 700+ score business owners $100K-$250K in 0% business funding. the banking relationship setup is step 1 of every capital stack we build. link in bio)

[BrianGoFor100 @Brian_UpNext]

Lol AJ to Utah

[NBACentral @TheDunkCentral]

The Washington Wizards will reportedly consider trading down from the No. 1 pick, per @JakeLFischer

“Winger told me directly that the Wizards will at least consider trading down. He insisted that this is ‘not a savior moment’ for Washington given that the franchise just traded for two former All-Stars in Trae Young and Anthony Davis on top of the slew of recent lottery picks it already has accumulated. He added that, in accordance with Wizards general manager Will Dawkins' prospect evaluations, Washington will not rule out a move downward if Dawkins determines there are two or three players that the Wizards are eager to come away with.”

(Via https://t.co/lPEE8ePvfh)

[Di🦋 . @BlasianAnna]

Just updated my resume.

Spirit Airlines
12/10/17-05/01/2026
Senior Advisor

[BrianGoFor100 @Brian_UpNext]

I appreciate my war scars ❤️‍🩹

[BrianGoFor100 @Brian_UpNext]

Cade and Paolo going at it 🔥

[BrianGoFor100 @Brian_UpNext]

I don’t understand how Warriors couldn’t find minutes for kuminga

[BrianGoFor100 @Brian_UpNext]

@Coulter_Boy @Ravens Last chance to jump on Bears bandwagon champ, he’ll be with us by weeks end.

[BrianGoFor100 @Brian_UpNext]

@ChicagoBears

[Adam Schefter @AdamSchefter]

With five-time All-Pro left tackle Trent Williams scheduled to carry a $39 million cap number this season, he and the 49ers currently are struggling to find a contractual solution, per league sources. If the two sides can’t bridge their differences in their standoff, Williams would be expected to join this year’s free-agent class, making him one of the premier players available.

[$𝔩𝔞𝔭☃️ @slvppy]

he just like me fr

[BrianGoFor100 @Brian_UpNext]

Fox can’t get 15 pts whenever I bet on him btw

[Underdog NBA @UnderdogNBA]

De’Aaron Fox named All-Star Game injury replacement for Giannis Antetokounmpo.

[VEEZE @CbfwVeeze]

Ima just eyp and do what you say so we can be happy

[BrianGoFor100 @Brian_UpNext]

Please

[Grok @grok]

@PlayoffSports_

[Chicago Bulls @chicagobulls]

RT for a chance to win this SIGNED D-Rose jersey 🌹

[BrianGoFor100 @Brian_UpNext]

Superbowl otw 😭💍

[MLFootball @MLFootball]

ELECTRIC: #BEARS HEAD COACH BEN JOHNSON GAVE ANOTHER ALL-TIME POSTGAME LOCKER ROOM VICTORY SPEECH.

THE PLAYERS WENT ABSOLUTELY CRAZY.

THIS MAN IS THE BEST IN THE BUSINESS.

WOW. WOW. WOW.

[BrianGoFor100 @Brian_UpNext]

A catch

[John Frascella (Football) @NFLFrascella]

If this isn’t a CATCH, just cancel the sport of football

No one knows what a catch is anymore

INSANE effort by Puka Nacua, unbelievable coordination and hand-eye

I see enough control and I see toes dragging, game on the line, it’s a catch for me

[Hoop Central @TheHoopCentral]

Jordan Poole’s reaction to Jose Alvarado throwing a punch. 🤣🤣🤣

(via @MrBuckBuckNBA)

https://t.co/lvMCIkO4tS