red@redevo

red@redevo:~$ ls ./graphs

Graphs

Niche data, drawn small: charts built at compile time from numbers already published on this site.

3 charts · inline SVG, 0 KB of chart JS · every number links to its source

$ plot --cumulative ledger.limit by opened

Credit limit growth

Total personal credit limit climbing from $6,000 (first card, 2022-07) to $55,000 across 10 cards (Oct 2026).

Credit limit growth Total personal credit limit climbing from $6,000 (first card, 2022-07) to $55,000 across 10 cards (Oct 2026).
  • Each step is a card opening, sized by that card's current (Oct 2026) limit — the ledger doesn't record historical limit increases, so this shows when credit was added, not every increase.
  • Personal cards only; the business card is excluded, as it is in the ledger totals.

source: Card ledger (Guide 3)

$ cat credit-limit-growth.csv (10 rows)
openedcardlimitrunning total
2022-07-01Discover it$6,000$6,000
2022-08-24Credit union card$2,000$8,000
2023-08-06Chase Freedom Flex$8,200$16,200
2023-11-12Chase Freedom Unlimited$5,400$21,600
2024-05-28Chase Sapphire Preferred$5,000$26,600
2024-08-09Citi Double Cash$5,500$32,100
2024-11-05Citi AAdvantage Platinum Select$9,000$41,100
2024-12-18Bank of America Customized Cash Rewards$6,000$47,100
2025-12-16Amex Delta SkyMiles Gold$3,000$50,100
2026-02-01Citi AAdvantage Platinum Select$4,900$55,000

$ plot --rolling 24mo count(ledger.opened)

5/24 timeline

Personal cards opened in the trailing 24 months: peaked at 6, 4/24 today, next slot frees ~2026-11-05.

5/24 timeline Personal cards opened in the trailing 24 months: peaked at 6, 4/24 today, next slot frees ~2026-11-05.
cards in last 24 moprojection
  • Each card counts for 24 months from its open date; the dashed segment projects forward assuming no new cards.
  • Chase's 5/24 rule is unpublished; this follows the common community count (personal cards on your credit report, any bank). Business cards and AU (added-user) cards are not in the ledger, so they aren't shown.

source: Card ledger (Guide 3) · 5/24 in Guide 1

$ cat timeline-5-24.csv (20 rows)
datecards opened in prior 24 months
2022-07-011
2022-08-242
2023-08-063
2023-11-124
2024-05-285
2024-07-014
2024-08-095
2024-08-244
2024-11-055
2024-12-186
2025-08-065
2025-11-124
2025-12-165
2026-02-016
2026-05-285
2026-08-094
2026-11-053projected
2026-12-182projected
2027-12-161projected
2028-02-010projected

$ plot --bars cash/points case-studies

Cents per point: Hyatt redemptions

Hyatt award nights from the Japan case study were worth 1.46–1.95¢ per point, 1.72¢ on average, against the ~1¢ most points are worth.

Cents per point: Hyatt redemptions Hyatt award nights from the Japan case study were worth 1.46–1.95¢ per point, 1.72¢ on average, against the ~1¢ most points are worth.
  • ¢ per point = cash price ÷ points used × 100, the same method as the case study.
  • Flights are left out: the case study only quotes cash fares as ranges, so there is no exact number to divide.

source: Japan & Taiwan case study · ~1¢ baseline (Paris & Rome case study)

$ cat cents-per-point.csv (3 rows)
staypointscash price¢/pt
Taipei (1 night)6,500$1181.82
Osaka (2 nights)19,000$2781.46
Kyoto (2 nights)19,000$3701.95

// more charts land here as data does. Not financial advice.

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