Troy Johnston

Credit Strategy Expert & Founder, StackEasy.ai

Available for expert commentary on credit cards, personal finance, and entrepreneurship.

Serial entrepreneur who generated over $20M in online sales and sold 3 businesses over 7 years. Personally credit stacked over $400K in credit lines and manages 28 credit cards across multiple issuers. Published the State of Credit Stacking 2026 — the first data-driven analysis of how Americans manage 5+ credit cards simultaneously.

Media inquiries: troy@stackeasy.ai

Background

Built by a Stacker, for Stackers

I scaled e-commerce brands using credit strategically for years. After selling my third business, I was managing 28 cards across multiple issuers with over $400K in combined credit lines — and no tool existed to manage any of it.

I missed a promotional APR expiration and it cost me real money. That was the moment I realized the credit stacking industry had a $2B+ hole: lenders make fortunes opening accounts, but nobody builds tools for what happens after you get approved.

So I built StackEasy. I also published the State of Credit Stacking 2026 — the first research report analyzing how Americans actually manage 5+ credit cards — because the data didn't exist and the conversation needed it.

For Journalists & Media

Ask Me About

Available for expert quotes, interviews, and commentary. I speak from direct experience managing a 28-card portfolio and building three businesses on strategic credit.

Credit Card Strategy & Debt Management

Hardship programs vs. debt management plans, balance transfer tactics, APR negotiations, and payoff strategies for multi-card holders.

Credit Scores & Utilization

How utilization works across large portfolios, the AZEO method, reporting date timing, and score optimization before major financial decisions.

Personal Finance in Economic Uncertainty

How AI disruption, tariff volatility, and the gig economy shift change the way Americans should think about credit as financial infrastructure.

Business Credit & Funding

Separating personal and business credit, EIN-based applications, using credit to fund and scale businesses, and the post-funding management gap.

Credit Card Rewards & Comparisons

Welcome bonus strategy, point transfer ecosystems, category optimization, and real-world card comparisons from a 28-card portfolio.

Entrepreneurship & E-Commerce

$20M+ in online sales across 3 exits over 7 years. Using credit as a strategic growth tool, not just a financing mechanism.

Work With Me

Available For

Fast turnaround on expert commentary. I respond to media inquiries within one hour during business hours ET.

Expert Quotes Podcast Appearances Interviews Contributed Articles Panel Discussions Data Commentary Conference Speaking

Ready-to-Use Stats

Citable Data Points

Verified figures journalists can reference directly. Source attribution: Troy Johnston, StackEasy.ai.

$995/yr

Average annual loss for 5-card holders from missed reward optimizations and APR expirations

StackEasy internal analysis

1–9%

Optimal credit utilization range per FICO scoring data — not the widely-cited 30% threshold

FICO scoring model data

73%

Percentage of multi-card holders who never actively optimize their existing rewards structure

StackEasy user research

$2B+

Estimated credit stacking industry size with zero dedicated post-funding management tools

Market sizing analysis

$207B

Annual interest exposure across US credit card balances at current average 21% APR

Federal Reserve (FRED) data, Q2 2026

$988B

Total outstanding US credit card balances — highest on record

Federal Reserve (FRED) data, Q2 2026

New Research · Q2 2026

The Credit Stacking Reality Check: Q2 2026 Data Analysis

Original research using the latest Federal Reserve (FRED) and CFPB Consumer Complaint Database data. Inside: 21% average APR, $988B in total US credit card balances, a 4.11% charge-off rate, 300K+ CFPB credit card complaints, and $207B in annual interest exposure — with analysis of what it all means for Americans managing multiple cards.

Read the Report