Dynamic Credit LLC

Credit card acquisition strategies (early, mid, and late game)

Rewards program optimization — sometimes even without applying for new products

Credit management (credit scores, utilization, 0% APR offers, etc.)

Small business products (eligibility, rewards programs, etc.)

Issuer-specific quirks (account velocity rules, credit inquiries, account management, etc.)

"I can’t thank u/CobaltSunsets enough for their incredible guidance in helping me set up my core credit card roadmap. They generously offered their time and expertise to walk me through the best strategy tailored to my financial situation. As someone new to the credit card scene, I found the process overwhelming. There are so many options, and I was afraid of making the wrong choice. But u/CobaltSunsets broke everything down in a clear, structured way that made it easy to understand. Not only did they help me confidently decide on a roadmap, but they also went above and beyond by educating me on business credit cards, including how to apply as a sole proprietor, when it makes sense, and even what it means to establish an LLC. Their depth of knowledge is truly impressive, and their ability to bridge social sciences and STEM through their doctoral expertise makes them uniquely equipped to guide anyone, regardless of where they are in their credit and financial journey. If you're looking for someone who genuinely cares, provides thoughtful and well-researched advice, and wants to see you succeed, I can't recommend u/CobaltSunsets enough. Their insights have been invaluable, and I feel so much more confident in my financial decisions because of their help." — u/jchainz0

"The Doctor was incredibly helpful with guiding me through the process overall, which doesn't sound like much, but for someone with limited credit knowledge, that's exactly what I needed. u/CobaltSunsets excels at analyzing and communicating technical details, and their explanations for 'why X instead of Y?' were incredibly helpful. Even if you're unsure of where to start with your credit life, Dynamic Credit is the place to go." — B.C.

"u/CobaltSunsets was extremely helpful with building a credit card strategy that worked best for my exact circumstances. They helped me figure out what categories I do the most spending in, and based on my credit goals and redemption preferences paired me with cards that will maximize my rewards potential. Since implementing my new strategy, in the past 3 months I’ve earned more points than I did in the entire previous year using my old strategy. I’ve also saved over $1,500 on large expenses by utilizing sign up bonuses. u/CobaltSunsets also guided me through the process of opening my first business card, making this daunting new realm of credit easily digestible and I am already reaping the rewards. I highly recommend their credit consulting for both personal and business needs!" — A.J.T.