Hey everyone! If you've been thinking about getting The Platinum Card® from American Express, December might be the best time to apply. Here’s why: 1. **Yearly Statement Credits**: Many of the card's valuable credits reset on January 1st. If you sign up in December, you can use some credits right away and then have a fresh set to use just a few weeks later. For example: - **$200 for hotel bookings** through American Express Travel. - **$199 for Clear** (an expedited airport security service). - **$200 for airline fees** (like checked bags) with a chosen airline. These credits can add up to about $600 if used fully, which is great since a lot of people travel during the holidays. 2. **Three Years of Credits**: By signing up in December, you could unlock credits for three years in your first year. Here’s how: - Use 2024 credits in December. - Start using 2025 credits in January. - Use January 2026 credits before your annual fee is due. 3. **Holiday Gift Credits**: You can also use some of the card’s credits for gifts. For example, you can get up to $100 at Saks Fifth Avenue ($50 twice a year), which might help you find gifts for others. Plus, there’s a Walmart+ membership credit that can come in handy for last-minute holiday shopping. 4. **Lounge Access**: The card gives you access to airport lounges, which is super helpful during busy travel times like the holidays. You’ll get to relax instead of waiting in crowded terminals. 5. **Welcome Offer**: You also get a nice welcome offer to kickstart your rewards. If you’re planning to travel or shop during the holidays, this card could be a great choice!🌲🌲🌲

Hola Jackie, gracias por aceptarme en el grupo. Espero aprender sobre el crédito y las clases.

Implement a strategic banking and investment approach to enhance my financial portfolio. Here’s the outline of my strategy: 1. **Initial Deposits:** I will deposit $50,000 into two national banks, specifically Bank of America (BofA) and Chase. 2. **Account Allocation:** - **Checking Account:** I will allocate $25,000 into a checking account for easy access to funds. - **Certificate of Deposit (CD):** The remaining $25,000 will be placed into a 12-month CD to earn interest while keeping the funds secure. 3. **Credit Applications:** - After three months, I will apply for a $50,000 credit card with each bank. - Six months later, I will apply for a personal loan of $25,000. 4. **Credit Limit Increases:** Once I establish a relationship with these banks, I will request credit limit increases (CLIs) on my accounts. 5. **Personal Line of Credit:** After the CD matures, I’ll request a personal line of credit (PLOC) for $25,000. 6. **Further Investments:** I will repeat this process by depositing another $50,000 into Wells Fargo and Citi, following the same account allocation and credit application strategy. 7. **Business Credit:** Additionally, I will pursue business credit options and apply for business lines of credit (BLOCs) and credit cards with these four banks. 8. **Investment Opportunities:** Finally, I plan to use these funds to purchase a business that is already generating cash flow or invest in commercial real estate. This structured approach will help build a solid financial foundation and leverage banking relationships for future growth opportunities.

Hi everyone! If you're new to the skool community, please leave your name, where you're from, and what specific topic you're here for!