The First 90 Days: My Documented Results
The moment of truth: After implementing my system, here's exactly what happened in my first three months. No theories, no projections—just real numbers.
Spending Breakdown: First 90 Days
Here's exactly where my money went and what I earned back:
| Category | Spent | Cashback Rate | Rewards Earned |
|---|---|---|---|
| Groceries | $847 | 3% | $25.41 |
| Gas & Transportation | $423 | 2% | $8.46 |
| Dining & Entertainment | $384 | 1.5% | $5.76 |
| Utilities & Bills | $612 | 1.5% | $9.18 |
| Other Purchases | $1,234 | 1.5% | $18.51 |
| Welcome Bonus | After $500 | $200.00 | |
| TOTAL (First 90 Days) | $3,500 | $305.00 | |
💡 Note: This is normal spending I would have done anyway. The rewards are pure profit.
Annual Results: $2,847 Earned
After scaling this system for a full year, here's my actual rewards dashboard:
Capital One Rewards Dashboard
📊 Real Data: Personal information redacted for privacy, but these are the exact numbers from my account.
Credit Score Impact: 24-Month Journey
The most common concern I hear: "Will this hurt my credit score?" Here's my actual FICO score progression:
💡 Key Insight:
Responsible credit card use actually improves your score. The temporary 5-10 point dip from the initial inquiry is far outweighed by the benefits of:
- Increased available credit
- Perfect payment history
- Lower credit utilization
- Longer credit history
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