People who claim that those of us playing the credit game are “slaves to credit” must not understand how credit works. Dave Ramsey has absolutely ruined some of y’all. Cash back whenever I want it and on every purchase gives me a surplus of cash during the holidays. Using credit pays you back vs. debit which only withdraws. If you don’t have control over your finances, don’t do it. If you aren’t disciplined and can’t pay your balances in full, don’t do it. But if you are? Prepare to reap the benefits associated with simply using a different card. I made $250 in cash back in August alone.
After some serious financial problems in 2017, I started rebuilding my credit in 2018, with about $41k of credit. I'm now at $75k and growing! Hope to pass $100k by the end of this year!
@@michaelsieber6601 - i followed these steps: 1 - stopped using all credit cards and switched to debit cards 2 - started paying down my cc balances to reduce my utilization 3 - applied for a few more cards after steps 1 & 2. 4 - started requesting credit line increases on my existing cc's. that also helped reduce my utilization. its a slow process, but it works. the irony is that as you reduce cc spending, banks give you more credit. since my original post, i'm now just over $80k worth of cl. and my utilization went from 65% to 27%.
Doc yea I have 2 cards my score is like a 620 so not very good I’m having a hard time finding any cards that are not secured with out ridiculous annuael fees I can get
@@michaelsieber6601 - that's ok, check your credit report for any errors. keep your utilization low on your current cards and give it time. if you can get your score up to about 650, you have more options open up.
Im 20 and have been dropshipping for a year. I currently have Chase @ $10,000 AMEX @ $2000 Discover @ $1500 and a Amazon Credit Card @ $500 and my credit score rangea from 750-759
I currently have $229,350 in credit. It breaks down in the following way.... Personal: $187,150 (Mix of Chase, Amex, Citi, Barclays, and BofA) Business: $42,200 (Mostly Chase with one Amex)
I have a similar mix with you. I have a lot of credit cards. 36 tradelines on my report. Why would it be hard to keep up with? Put auto pay on everything. You won't ever be late
@@RichardServello yeah but low use or no opens up more opportunities for fraud to occur. People think that fraud is always easy to deal with, but it is not always so simple to fix. I see it all the time at work. It also means that you still have to actively use the credit if it is to be of true benefit because credit cards will be shut down or the limit lowered due to the lack of usage.
Give it time... Brian is way more relatable for me personally. Seb and Shifu are Ok, but getting the info and being entertained a lil separates Brian from the pack. But hey, to each his own... And I'm a little biased because of that 3X limit video... And no one else discusses business cards...so yeah...Jungy Gang all day bruh...
When I was 19, I had 12 cards with 95k. But the purpose of playing this credit game for me is 500k and above lines of credit, I got a 50k line of credit in November, working on another 2 lines of credit this year. Credit cards get you there!
How did u get 12 cards at such a young age? I’m under 20 and have 4 at the moment around 10k in total. What advice would you give to me to get bigger limits and get accepted to more cards?
Just a suggestion: You should do a live stream Q & A. I feel like your subscribers/viewers would really benefit from it. Nonetheless, keep up the great videos man!
Zeno-Sama so in Dec I got the rewards card AmEx with a $900 limit. Just asked for a increase after 3 months went to $2700. So applied for the flagship and they gave me 20K. After 4 months. My scores are not great.
Love the baby Pokemon reference! :D Trying to get my total limit up! Current highest is CSR 31k. Navy Fed seems to always give 25k to start. Currently trying to figure out what card to get next.
I have a lot of card but Bank of America gave me on October a credit limit of $6,500 and on January they lowered to $1,000 even with the card paid out. This is why is good to have various credit card so you can switch for you benefit not on the system.
Applying for manual credit increase after 61 days and ''do it 3x'' do you mean three times in one day or once per day for 3 days or what? Thanks for your help!
He means request 3X what your current credit limit is. So if your credit limit is 1k on the card, request a x 3 increase for your credit limit which would be 3k in this case.
Love the video! I am currently around 35K! Hoping to get that up very soon as I start getting more of those cards to flex!! Love the videos Brian! Keep em up :)
Thanks for another very informative video- I enjoy your enthusiasm, sense of humor and upbeat energy. Thanks a million. How do you make money as you give free valuable information?
In my country is totally the oposite: Business credit cards offer pretty much no benefits at all, and often come with lower credit limits when compared to personal credit cards.
Good question! So I put small subscriptions on each card that I don’t use. Example: HP printer $3 a month uber iCloud- discover freedom unlimited- shopify Freedom- g-suite Bonvoy Business- Squarespace Spreading it out keeps activity on the cards so banks don’t close the accounts on me. The small couple extra points I can get from maximizing categories is not worth the cost benefit of trying to remember which card to use every month or so to force activity on it
While I don’t have a single credit line of 100k, my total credit line is over 100k. Not that hard to do, just need a lot of cards and CLIs. Of course, this doesn’t count my Amex Schwab Platinum or my Amex Blue Business Plus (30k CL)...since it’s a business card.
Yo Brain! Can you make a video about business credit cards regarding no personal guarantee? In what circumstances you would consider that route (building your D&B paydex), how to go about it, and if you still consider getting business credit cards even with a personal credit check! Thanks man, appreciate the videos!
My highest limit is with Citi, surprisingly enough. $26,500 on my Prestige. If we're including Amex's Pay Over Time limit, then my Platinum is the highest at $35k.
CAN SOMEONE PLEASE ANSWER ME - how does someone have so many credit cards yet they still have great credit scores, doesnt all those inquiries destroy their credit over time. or are all of these credit card gurus using business credit cards?
Hard inquiries are a temporary blemish on your reports. They stop counting after 1 year and fall off completely after 2 years. Additionally, the penalty itself is minor; I have a thick credit file, so a new inquiry will only drop my score by 2 or 3 points.
Would it be best to apply for another chase card so I can move credit limit over to my chase Sapphire preferred or wait and keep using it to increase limit I had account open for 8 months and want limit to be higher.
Brain- aka-"master yoda" ok in Dec. Jan. received opened 3 cards. at around 70 days since is this a good time to get (1st card from) Amex, every day for Grocierices yet or hold on for 90 days..?
IMO 70 days is good enough when switching over to a new issuer. I always expand to 90 days when applying within the same issuer to not raise any flags. I would say IMO your good to go especially with all the things going on right now in the news. If you’re getting a card for groceries make sure the freedom is on your list. 5% category will activate soon for Q2 if you don’t have it already too
Brian your videos are great and really think your stuff is insightful and of course I subscribe. I did find that Discover was the most generous as they would bump me up without me knowing. Chase is very stingy but will bump you up once they see they can trust ya. I don’t have and hotel cards. Looking to try to get a YOLO trip and was wondering if you have any tips. Not too bad with my limits. My Blue was 16k, but I got cut in half. A few years back. Wondering if I should triple it like you mentioned in one of your vids or should I save it for a different Amex card (if I apply that is) AMEX Blue 8K Discover IT 18k Citi double cash 15.5k Jetblue Barclays 14.5 Apple Card 15k CSR 42.5k
Yo Brian, thanks for the video! Completely random question- where did you get your necklace? I like how thin/ low key it is and want to get something like that for myself ✌️
Haha I love this necklace so much. I actually have had this piece since I was a little kid. My aunt who lives in Korea gave me and my sibling both one and I just haven’t taken it off since. Ive had it under my jerseys during games, and it’s been with me during some nerve wrecking times in my life. I would spend some time looking around local jewelers to see in person after all the pandemic stuff settles down. Make sure it’s high grade gold and it’ll be something you can wear for a lifetime. I’m a huge fan of lowkey accessories like that
Brian Jung Because I’m thinking about trying to go for one of those two cards next and I’m trying to decide which one if you had to recommend a one of those cards which will be
Is there really any benefit to having a huge credit limit? I don't spend anywhere near 100k. I pay all my cards in full every month. I only have 10k CL right now but I think I'd be good around 20-25k. Other than "the flex" what's the benefit of having more than that?
kidzstreetball “Generally, a good credit utilization ratio is less than 30 percent. That means you're using less than 30 percent of the total credit available to you”. Although it is still a nice flex. There’s definitely a benefit in having a higher credit limit. Because the utilization effects your credit score directly.
@@bab1179 sure but I keep my utilization low by paying my card off before the closing date. Alternatively you can just pay it weekly in full that way it never goes up that much. So a higher credit limit doesn't help me much there
No this only applies to cards you can apply for directly on the Amex website cards like the NFCU and WF Propel just use the Amex payment network and are subject to the rules of the issuing bank for things like credit limit increases
Barclays is quite stingy with credit limits. And they never raise them to keep up with your rising FICO. I applied and got the standard Barclaycard several years ago and its limit today is less than half my average credit card limit. Goldman's Apple Card gives pretty regular credit limit raises but my most generous issuers have been the Sony Card by Comenity (formerly issued by Capital One) and my AMEX Hilton Surpass card.
I got my Chase Freedom card to a $15,800 limit. I was renovating my house I had just bought and didn’t know much about CC yet. So I maxed it out for 2 straight months (paying it off quickly each time). They doubled my limit. So 🤷🏻♂️
I'm building my credit back now in four months I went from 520 to now 650...I did self, secured card,$4,000, loan and doing extra great keeping under 20% and paying in full or more everymonth, I'm looking to get another card soon but I really would like to get a bigger credit amount like 5gs 10gs and so forth..so am I on a good role? What score should I wait to get a good carf? 700-780? And which card? And any help and tips would be appreciated!! And your sooo handsome btw😘
I’d say make sure the card reports to the big 3. While my Amex history reports such as the payment records, highest balance, etc. it does not report the available credit and this doesn’t help my utilization. Also most Amex are still charge cards and you must pay off balance each statement cycle.
That is the dream, I am seeking a 500k line of credit! That is the purpose of the credit game for me! C.C get you there by helping you build a great credit history! Yet I see plenty folks in my store using debit cards, yet their credit history is total sh*t! Most of my C. cards are business cards!
Good question! I had them split it to my freedom unlimited and was going to get that card to a 10k limit to PC to a CSR but this was right before they increased the AF on it and I decided not to go for it. 1k is the minimum limit they can leave on a card and I’ve just left it like that since.
@@Jungernaut Ah that makes sense! One of my cards has a low limit compare to the rest of my cards and I was trying to see why. Thanks for the reply though!
What exactly is the benefit of having ALL of those cards? I do not see the benefit. As a banker when I see people with a lot of credit cards I am giving them the side-eye. A problem waiting the happen and then the possible automatic shutdown of the cards due to not using them
It’s almost impossible to max all the cards and run away with over $100k. The minute you max the first card, the limit on the others will decrease or the banks will start shutting them down. The minute your chase card is swiped for a charge, Amex knows about it.
![Ultimate Beginner's Guide to Credit Card Points in 2024 [Updated]](http://i.ytimg.com/vi/qu47ulGpHDo/mqdefault.jpg)
![Ultimate Beginner's Guide to Credit Card Points in 2024 [Updated]](/img/tr.png)
![[Full Guide] How to Climb the American Express Ladder in 2024](http://i.ytimg.com/vi/g5PdY-Kcduw/mqdefault.jpg)
![OhGeesy x Lefty Gunplay - What It Iz [Official Music Video]](http://i.ytimg.com/vi/L0yzW9t2ixk/mqdefault.jpg)
People who claim that those of us playing the credit game are “slaves to credit” must not understand how credit works. Dave Ramsey has absolutely ruined some of y’all. Cash back whenever I want it and on every purchase gives me a surplus of cash during the holidays. Using credit pays you back vs. debit which only withdraws. If you don’t have control over your finances, don’t do it. If you aren’t disciplined and can’t pay your balances in full, don’t do it. But if you are? Prepare to reap the benefits associated with simply using a different card. I made $250 in cash back in August alone.
Agree
I get 5% cash back on my $500-$1000 power bills alone each month. It's 100% about how you manage it/them. Not trying to own 100 cards.
After some serious financial problems in 2017, I started rebuilding my credit in 2018, with about $41k of credit.
I'm now at $75k and growing! Hope to pass $100k by the end of this year!
Doc how?
@@michaelsieber6601 - i followed these steps:
1 - stopped using all credit cards and switched to debit cards
2 - started paying down my cc balances to reduce my utilization
3 - applied for a few more cards after steps 1 & 2.
4 - started requesting credit line increases on my existing cc's. that also helped reduce my utilization.
its a slow process, but it works. the irony is that as you reduce cc spending, banks give you more credit. since my original post, i'm now just over $80k worth of cl. and my utilization went from 65% to 27%.
Doc yea I have 2 cards my score is like a 620 so not very good I’m having a hard time finding any cards that are not secured with out ridiculous annuael fees I can get
@@michaelsieber6601 - that's ok, check your credit report for any errors. keep your utilization low on your current cards and give it time. if you can get your score up to about 650, you have more options open up.
Doc yea I paid off all my collection accounts so I guess it’s just a waiting game at this point
Brian: I don't promise not to run up my Chase cards and run away.
CHASE; shutting down Brian's cards as we watch this video
😆
Peter K 😂😂😂🤣
Lol
CHASE: cut his credit limits by half for now.
🤪🤪
Im 20 and have been dropshipping for a year. I currently have Chase @ $10,000 AMEX @ $2000 Discover @ $1500 and a Amazon Credit Card @ $500 and my credit score rangea from 750-759
How's the dropshipping business I wanna get started in it
I currently have $229,350 in credit. It breaks down in the following way....
Personal: $187,150 (Mix of Chase, Amex, Citi, Barclays, and BofA)
Business: $42,200 (Mostly Chase with one Amex)
Wow, what is the benefit of all of that credit? Seems like a lot to keep up with
I have a similar mix with you. I have a lot of credit cards. 36 tradelines on my report. Why would it be hard to keep up with? Put auto pay on everything. You won't ever be late
@@AMurphySharp The obvious benefit is extremely low use ratios no matter what.
@@six6goddess214 Yup...auto pay statement at close.
@@RichardServello yeah but low use or no opens up more opportunities for fraud to occur. People think that fraud is always easy to deal with, but it is not always so simple to fix. I see it all the time at work. It also means that you still have to actively use the credit if it is to be of true benefit because credit cards will be shut down or the limit lowered due to the lack of usage.
0 -100k Real Quick!
Are you talking about credit limits or subscribers? You might past Shifu and Sebby soon! Killin the game.
Limits. And AskSeb and Shifu are past 150k, lol he has ways to go
Give it time... Brian is way more relatable for me personally. Seb and Shifu are Ok, but getting the info and being entertained a lil separates Brian from the pack. But hey, to each his own... And I'm a little biased because of that 3X limit video... And no one else discusses business cards...so yeah...Jungy Gang all day bruh...
@@LaSombraa Sebby is at 140 and shifu is 127.
currently sitting on 15K off 3 cards. Thanks for a great video Brian!
When I was 19, I had 12 cards with 95k.
But the purpose of playing this credit game for me is 500k and above lines of credit, I got a 50k line of credit in November, working on another 2 lines of credit this year. Credit cards get you there!
How did u get 12 cards at such a young age? I’m under 20 and have 4 at the moment around 10k in total. What advice would you give to me to get bigger limits and get accepted to more cards?
Enjoying with 11 personal and business credit cards...all in total $245,000
Your 9% credit utilization is 22K a month....
Love watching these type of videos about credit cards and all !!!! Subscribed
I have a Macy’s AMEX credit card. Would that 3X work?
Just a suggestion: You should do a live stream Q & A. I feel like your subscribers/viewers would really benefit from it.
Nonetheless, keep up the great videos man!
Navy Federal seems to be the most giving with starting limits. Next I would say discover
Agreed. I’ve seen NFCU giving people like 25-30k out the gate.. like bruh, I need to apply
Definitely right NFCU is the top dog when giving💯
Is this actually true because I plan on Starting a membership and heard people say they give only 1k
@@galaxy6303 . I applied last week. Only approved for 1K. 735 TU credit score. But I have applied for 2 others...so maybe that is why it was so low.
Zeno-Sama so in Dec I got the rewards card AmEx with a $900 limit. Just asked for a increase after 3 months went to $2700. So applied for the flagship and they gave me 20K. After 4 months. My scores are not great.
Love the baby Pokemon reference! :D Trying to get my total limit up! Current highest is CSR 31k. Navy Fed seems to always give 25k to start. Currently trying to figure out what card to get next.
My Amex Platinum doesn’t report the “limit” and this doesn’t help my credit score in the area of utilization.
Really?! Oh wow! Did u ask amex why?
I always hit the like button before watching cause he always drops that 🔥🔥🔥🔥
Do you recommend putting security freeze and alerts on each card?
I have a lot of card but Bank of America gave me on October a credit limit of $6,500 and on January they lowered to $1,000 even with the card paid out. This is why is good to have various credit card so you can switch for you benefit not on the system.
What?
So with credit utilization, does it take into account your whole credit limit amongst all your cards or is it affected per card?
the whole limit
Nick M. Both. Except charge cards, as they don’t have a spending limit to calculate.
Both
Hey there!
I have only one Amex card with a limit of $30k. If I apply for a second Amex card, is there any chance that Amex will pull a FR?
Thank you!
Applying for manual credit increase after 61 days and ''do it 3x'' do you mean three times in one day or once per day for 3 days or what? Thanks for your help!
He means request 3X what your current credit limit is. So if your credit limit is 1k on the card, request a x 3 increase for your credit limit which would be 3k in this case.
@@DMSweetT Thank you so much for clearing that up for me!!
For my first biz card, CHASE OR AMEX? If AMEX BLUE OR GOLD/PLAT?
Love the video! I am currently around 35K! Hoping to get that up very soon as I start getting more of those cards to flex!! Love the videos Brian! Keep em up :)
Thanks Nick! 🙏
Brian Jung When I get my credit score above a 700 should I try and go for the chase a preferred the Chase Sapphire reserve or an American Express card
Thanks for another very informative video- I enjoy your enthusiasm, sense of humor and upbeat energy. Thanks a million. How do you make money as you give free valuable information?
In my country is totally the oposite: Business credit cards offer pretty much no benefits at all, and often come with lower credit limits when compared to personal credit cards.
Hey Brian do you have to use those credit cards every month for them not to close the cards or do you just let the money sit on the card?
Good question! So I put small subscriptions on each card that I don’t use.
Example: HP printer $3 a month uber
iCloud- discover
freedom unlimited- shopify
Freedom- g-suite
Bonvoy Business- Squarespace
Spreading it out keeps activity on the cards so banks don’t close the accounts on me. The small couple extra points I can get from maximizing categories is not worth the cost benefit of trying to remember which card to use every month or so to force activity on it
Thanks Brian make sense thanks for putting me on game I appreciate it 💪🏾
Great video,I am only at $27,600(Major) and $24,500(Store cards)
Yes, you are correct, on my amex card my spending power on last check is at least 95k...
While I don’t have a single credit line of 100k, my total credit line is over 100k. Not that hard to do, just need a lot of cards and CLIs. Of course, this doesn’t count my Amex Schwab Platinum or my Amex Blue Business Plus (30k CL)...since it’s a business card.
You said you don’t want to check the Exact amount on your credit limits however I believe the credit limits is posted on your credit score correct?
Not for Amex plat
Yo Brain! Can you make a video about business credit cards regarding no personal guarantee? In what circumstances you would consider that route (building your D&B paydex), how to go about it, and if you still consider getting business credit cards even with a personal credit check! Thanks man, appreciate the videos!
How long did it take before the discover it card uped your limit?
My highest limit is with Citi, surprisingly enough. $26,500 on my Prestige. If we're including Amex's Pay Over Time limit, then my Platinum is the highest at $35k.
CAN SOMEONE PLEASE ANSWER ME - how does someone have so many credit cards yet they still have great credit scores, doesnt all those inquiries destroy their credit over time. or are all of these credit card gurus using business credit cards?
Hard inquiries are a temporary blemish on your reports. They stop counting after 1 year and fall off completely after 2 years. Additionally, the penalty itself is minor; I have a thick credit file, so a new inquiry will only drop my score by 2 or 3 points.
I got a Fidelity Visa with SL $17k. Never got anything over $4500 previously
why is the limit on the freedom so super low? Is it becuase they dont want too give much 5% cash back?
Would it be best to apply for another chase card so I can move credit limit over to my chase Sapphire preferred or wait and keep using it to increase limit I had account open for 8 months and want limit to be higher.
Do you have to pay back the credit limit u spend??
Lol?
I don’t think you do.
@Malick Joseph ... No! Enjoy Your Spending Spree Sir! 🥴
Lmfaoooo your the winner!!!!
Brain- aka-"master yoda" ok in Dec. Jan. received opened 3 cards. at around 70 days since is this a good time to get (1st card from) Amex, every day for Grocierices yet or hold on for 90 days..?
IMO 70 days is good enough when switching over to a new issuer. I always expand to 90 days when applying within the same issuer to not raise any flags. I would say IMO your good to go especially with all the things going on right now in the news. If you’re getting a card for groceries make sure the freedom is on your list. 5% category will activate soon for Q2 if you don’t have it already too
Brian your videos are great and really think your stuff is insightful and of course I subscribe.
I did find that Discover was the most generous as they would bump me up without me knowing.
Chase is very stingy but will bump you up once they see they can trust ya.
I don’t have and hotel cards. Looking to try to get a YOLO trip and was wondering if you have any tips.
Not too bad with my limits. My Blue was 16k, but I got cut in half. A few years back. Wondering if I should triple it like you mentioned in one of your vids or should I save it for a different Amex card (if I apply that is)
AMEX Blue 8K
Discover IT 18k
Citi double cash 15.5k
Jetblue Barclays 14.5
Apple Card 15k
CSR 42.5k
My highest limit is 9,000 with American Express business plus my first business card only had it a month now
What are the lowest interest cards
I've had 8+ personal cards with 100,000+ credit limit
Now I'm down to 3 personal credits card with 70,000+ credit limit
Chase sapphire preferred 23k
Discover 9k
I'm pretty close to that. I have $40k hard limit right now and an AMEX Gold which I've heard is capped somewhere around $30k.
I'm just curious why do you need a 40k credit limit...blows my mind
Yo Brian, thanks for the video! Completely random question- where did you get your necklace? I like how thin/ low key it is and want to get something like that for myself ✌️
Haha I love this necklace so much. I actually have had this piece since I was a little kid. My aunt who lives in Korea gave me and my sibling both one and I just haven’t taken it off since. Ive had it under my jerseys during games, and it’s been with me during some nerve wrecking times in my life.
I would spend some time looking around local jewelers to see in person after all the pandemic stuff settles down. Make sure it’s high grade gold and it’ll be something you can wear for a lifetime. I’m a huge fan of lowkey accessories like that
Thanks for sharing! Keep up the good work on these dope videos, man.
Brian Jung What are the typical starting limits for the Chase preferred or the Sapphire reserve
Brian Jung Because I’m thinking about trying to go for one of those two cards next and I’m trying to decide which one if you had to recommend a one of those cards which will be
Is there really any benefit to having a huge credit limit? I don't spend anywhere near 100k. I pay all my cards in full every month. I only have 10k CL right now but I think I'd be good around 20-25k. Other than "the flex" what's the benefit of having more than that?
kidzstreetball “Generally, a good credit utilization ratio is less than 30 percent. That means you're using less than 30 percent of the total credit available to you”.
Although it is still a nice flex. There’s definitely a benefit in having a higher credit limit. Because the utilization effects your credit score directly.
@@bab1179 sure but I keep my utilization low by paying my card off before the closing date. Alternatively you can just pay it weekly in full that way it never goes up that much. So a higher credit limit doesn't help me much there
Good score
what desk light do you use?
What if you don’t pay off of a charge card every month?
Interes accrue, higher utilization rate
Does that 61 day rule apply if I have a Amex Card through navy federal? I have a 15k credit limit but want more
Greed
No this only applies to cards you can apply for directly on the Amex website cards like the NFCU and WF Propel just use the Amex payment network and are subject to the rules of the issuing bank for things like credit limit increases
1:22 , CHASE / VISA has entered the chat
Barclays is quite stingy with credit limits. And they never raise them to keep up with your rising FICO. I applied and got the standard Barclaycard several years ago and its limit today is less than half my average credit card limit. Goldman's Apple Card gives pretty regular credit limit raises but my most generous issuers have been the Sony Card by Comenity (formerly issued by Capital One) and my AMEX Hilton Surpass card.
I got my Chase Freedom card to a $15,800 limit. I was renovating my house I had just bought and didn’t know much about CC yet. So I maxed it out for 2 straight months (paying it off quickly each time). They doubled my limit. So 🤷🏻♂️
I'm building my credit back now in four months I went from 520 to now 650...I did self, secured card,$4,000, loan and doing extra great keeping under 20% and paying in full or more everymonth, I'm looking to get another card soon but I really would like to get a bigger credit amount like 5gs 10gs and so forth..so am I on a good role? What score should I wait to get a good carf? 700-780? And which card? And any help and tips would be appreciated!! And your sooo handsome btw😘
I’d say make sure the card reports to the big 3. While my Amex history reports such as the payment records, highest balance, etc. it does not report the available credit and this doesn’t help my utilization. Also most Amex are still charge cards and you must pay off balance each statement cycle.
I have a 350k limit. It’s great for when I make big purchases on zero intro promos
What kind of credit score you need for a big limit like that
I'm just curious why do you need a 350k credit limit...blows my mind
My American express card is my highest credit limit and followed by my discover card.
Can you get a cash advance to buy business ?
Waiting the on the Navy Federal 91 day rule
Bro i got 3 cards in the past week (24k total). But I also racked up 7 injuries in the past week. I need another card with at least 20k. Any advice?
My personal credit card limit is 6k, 4k, 1k and $300, my business credit card is 40k. i have poor credit 660
How do I get that tho business credit
Imagine getting a $100,000 credit line.. **sigh** a man can dream
That is the dream, I am seeking a 500k line of credit! That is the purpose of the credit game for me! C.C get you there by helping you build a great credit history! Yet I see plenty folks in my store using debit cards, yet their credit history is total sh*t!
Most of my C. cards are business cards!
The Survivalist what's a typical interest rate on a line of credit?
Subscribed!
Why does that one credit card have only $1,000? Seems very low compared to the rest?
Good question! I had them split it to my freedom unlimited and was going to get that card to a 10k limit to PC to a CSR but this was right before they increased the AF on it and I decided not to go for it.
1k is the minimum limit they can leave on a card and I’ve just left it like that since.
@@Jungernaut Ah that makes sense! One of my cards has a low limit compare to the rest of my cards and I was trying to see why. Thanks for the reply though!
But I thought buisness cards dont report anything on credit history
I love your video
My highest CL card is my CSR which is $55,500
I like your video, I am around 8K now..thanx for your ideas :)
Capital one credit decent credit limit
You are awesome!!
Thankss👍🏾
To keep your credit score up, your credit card balance shouldn't exceed 30% of your credit limit,,,,just saying.....
Not a baby pokemon lol
Highest limit at this time is 11k with chase
Capital One Venture isn't metal anymore. 😢
What income do you need to have a credit limit of $30K?
I also like spreading things out 🤣
Can anyone give me a link to that pen
rOtring 600 Ballpoint Pen, Medium Point, black Ink, Black Barrel, Refillable www.amazon.com/dp/B077GPND47/ref=cm_sw_r_cp_api_i_iXKFEb51782VW
@@Jungernaut Thanks for the reply I might have to cop one!
What exactly is the benefit of having ALL of those cards? I do not see the benefit. As a banker when I see people with a lot of credit cards I am giving them the side-eye. A problem waiting the happen and then the possible automatic shutdown of the cards due to not using them
*Pen review channel pls*
highkey LOWKEY that is the next 7 figure youtube channel idea- affiliates, growing demographic, brand collabs/sponser
Not sure what’s my limit on my Gold AMEX who knows
The point of having this much credit is what?
To have a low credit utilization rate. However if most people used all their credit it would be tough if not impossible to pay it back.
What good is a large credit limit? It just makes it too tempting to charge up debt and hinder your net worth.
Have better discipline
CSR = $24,800
Where can I get the pen? Lol
Hi dad
hi
Lmao
Lol
Yooooo! I love the outro song! Awwww. It's my favorite!😇😊
Hello guys, my name is Brian Jung
probably in haiti
I like your videos I follow every video you post interesting my highest Personal credit card is Discovery $20,000 limit
this video is not nation wide friendly
I don’t want anymore money Brian!😩😂
:)
Did you mean CREDIT - "Money" we can always use!!!!,,,,,
Between all my credit cards I got $112,400 I got 97% of my credit available. My goal is to get $500k in combined credit
278, oh yeah
It’s almost impossible to max all the cards and run away with over $100k. The minute you max the first card, the limit on the others will decrease or the banks will start shutting them down.
The minute your chase card is swiped for a charge, Amex knows about it.
This is not true.
B
Thank you, God bless, but just want to share also that credit is good, but without Jesus is not good at all.
Lies! I wanted this on one card...My total is over 200k means nothing...
Lol cool
best thing to do with credit card. get rid of it
Yeah, if you're not fiscally responsible, sure.
First.
❤️💝💙💕💙❤️💕💙💕❤️😝💕❤️