{"id":226,"date":"2026-08-16T09:50:51","date_gmt":"2026-08-16T09:50:51","guid":{"rendered":"https:\/\/moneycq.com\/?knowledgebase=cq-perks"},"modified":"2026-08-16T09:50:51","modified_gmt":"2026-08-16T09:50:51","slug":"cq-perks","status":"publish","type":"knowledgebase","link":"https:\/\/moneycq.com\/?knowledgebase=cq-perks","title":{"rendered":"CQ Perks: What Unlocks as You Climb"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Perks are small, always-on bonuses granted by your CQ band. They&#8217;re automatic: reach the band and the perk applies; fall below it and it&#8217;s removed. No free money \u2014 everything works through the engine&#8217;s real rules.<\/p><h2 class=\"wp-block-heading\">The five perks<\/h2><ul class=\"wp-block-list\"><li><strong>Preferred Rates<\/strong> (Growing) \u2014 loan interest margin \u22120.20%\/week.<\/li><li><strong>Savings Boost<\/strong> (Growing) \u2014 savings interest \u00d71.2.<\/li><li><strong>Steady Hand<\/strong> (Savvy) \u2014 negative event odds \u00d70.85.<\/li><li><strong>Harder Path<\/strong> (Savvy) \u2014 mission XP \u00d71.25.<\/li><li><strong>Mogul Touch<\/strong> (Mogul) \u2014 loan margin \u22120.40%\/week plus savings \u00d71.3; stacks with the tier-6 perks.<\/li><\/ul><h2 class=\"wp-block-heading\">How to use it<\/h2><ol class=\"wp-block-list\"><li>Check your active perks on the home screen (they render at your band).<\/li><li>Use the perk list as a road map: the next band&#8217;s perk tells you what to work toward.<\/li><li>Remember perks are derived from your current band \u2014 protect the band to keep them.<\/li><\/ol><h2 class=\"wp-block-heading\">Good to know<\/h2><p class=\"wp-block-paragraph\">The catalog is intentionally small so every perk feels earned. Effects are audited and applied through the engine, not granted by hand.<\/p><p class=\"wp-block-paragraph\">Ready to try it? Start a life at <a href='https:\/\/app.moneycq.com'>app.moneycq.com<\/a> \u2014 your first week takes about two minutes.<\/p>","protected":false},"featured_media":0,"template":"","class_list":["post-226","knowledgebase","type-knowledgebase","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/moneycq.com\/index.php?rest_route=\/wp\/v2\/knowledgebase\/226","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/moneycq.com\/index.php?rest_route=\/wp\/v2\/knowledgebase"}],"about":[{"href":"https:\/\/moneycq.com\/index.php?rest_route=\/wp\/v2\/types\/knowledgebase"}],"wp:attachment":[{"href":"https:\/\/moneycq.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=226"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}