Why You Should NOT Apply for a Credit Card Right Now | Credit Crunch
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- Опубликовано: 15 июл 2024
- Should you apply for a new credit card during the credit crunch? Who should and shouldn't apply for a card right now. 💳 See Sebby's Card Picks: : www.asksebby.com/go/topcards Click "Show More" to see Ad Disclosure 📈 Get 2 Free Stocks on WeBull when you deposit $100: bit.ly/AskWeBull
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** VIDEO SUMMARIZED **
4 Reasons not to apply for a credit card right now:
1) if you think there will be higher bonuses in the future.
2) if you have high utilization rates with your credit cards.
3) you might not have spend right now.
4) if you're worried that certain airlines might go out of business and you'll lose your airline miles.
8 reasons why you might want to apply for credit cards right now:
1) you want cash back.
2) people with no credit that want to get their first card.
3) you want to get the platinum card.
4) you have a lot of upcoming spend.
5) you want to go on a honeymoon or any other trip.
6) if you think it will take a long time for things to go back to normal.
7) it doesn't make sense to wait because you'll leave money on the table.
8) if the issuers make it hard to get approved.
Me finally out from 5/24.
World: Coronavirus.
Seriously wtf
LOL same
Whats 5/24?
Michael Morgan rumor has it that if you apply for more then 5 cards in 24 months, chase will decline you automatically if you apply for a card
Sattie Abusabe Abusabe Doesn’t seem unreasonable I guess
With covid and being out of a job temporarily, I have had to use my credit cards to cover me and my family’s expenses. I’ve had a great record paying in full every month on all my credit cards and I didn’t wanna mess that up but I knew I wasn’t gonna be able to do it this month since i’m saving my cash for things I need cash on hand like rent. I’ve applied to two credit cards with no annual fees, one from chase and one from Amex. Both with the intent of doing a credit transfer from my Two most used cards to have 15 months no interest on my spending. I’ve been approved for both with a 8k limit on both. I’ve done this to avoid monthly fees, so far it’s taken a heavy weight off my shoulders since i’m still paying but in smaller amounts. I thank you and credit shifu for educating me on the credit card game, making them work on MY favor
High five - you GO GIRL. You did what you had to do and handled your business
Like a boss.
Nice , may I ask how long you had your previous cards and what cards did you apply for ? And did you apply for them on the same day?
dre broaddus I’ve had my sapphire reserve for a year and a half and my Amex gold for a year. I applied for the chase freedom since I already had the freedom unlimited and the slate (any of these 3 come with the 15 month no interest), and a couple of weeks later the Amex blue everyday card. 😊
luxurycardstore thank you so much!
Gotta love the Sebby as Professor X thumbnail
I had to go back and check. Yeah, So funny!!!
Shoutout to the building/rebuilding their credit crew who ain’t got nothin to lose when getting a secured/starter card! 🤣
Very high quality video, Sebby. I'm using this period as a "gardening phase" to get back under 5/24.
I applied for a credit card and then I get this recommended... wow
You get approved lol?
😂
same. i did allll this research. i'm expecting their decision in a couple of weeks. my plan B, C, and D are calling the reconsideration line. then my plan D is a "pre-approved" card, that came as a pleasant surprise in the mail. ugggh, i have to look into how long i should wait in between applying for a new card🤦♀️
Same 😂
Same, I'm triggered
Sebby !!!
Good to see you !!!
👋
Under contract to buy a house, so gardening!!! After I close, I have 4 months until I drop under 5/24. Thinking about the IHG Premier card, especially if it still is offering 140K signup bonus. Great video and great breakdown Sebby. I was surprised by the #1 reason NOT to get a card right now, future intro bonuses. Very counter-intuitive.....I like it!!
Thanks ask sebby, been waiting on this video for a month.
Oh boy i waited for this video fo so long. Master, professor, boss, goat, legendary Sebb!!! Thanks!!!!
I'm now focusing on credit union memberships and applying for Personal Lines of Credit
I am focusing on cash back. My life is too uncertain. Thanks for your videos yes please do a bank bonus and a Venmo vs zelle vs sq comparison
Great advise.
Super helpful video. Thank you.
Just approved for Chase Freedom. It was in my offers so I jumped on it.
What score did they use and what is your average credit score currently?
Same lol
Man, I should’ve gotten on that offer when I had it. Got Discover’s rotating card, though, so things worked out for me anyway
Where do you find targeted offers in your portal?
@@brianafranklin8164 when you go to Credit journey section to see your score, on the menu up top it should have an 'Offers' tab.
Please do another bank bonus video!
Keep up the good work.
Damn Sebby too late I needed this a week and a half ago. They got me
i just applied for an american express gold card . got approved and it’s coming in the mail in a couple days ! you made very good valid points for people thinking about applying for one , especially since it’s a pandemic & if they don’t have a essential job . great content
I had just cleared out my medical bill with Care Credit and boosted my score to 801. I am new to the game because I used to have a mildly conservative view on credit cards. I just got my Chase Freedom last week but thanks for the advice on waiting for new cards. All card carriers need to prove to the banks that we are responsible before they approve us for new cards, good credit limits, and great sign up bonuses.
Catching up on vids. Thank you for this upload. I decided to 'garden' for a bit anyway--but I recently was targeted in email and in regular mail for NFCU AmEx/More card. I was on the fence but think I will wait a bit until closer to end date of targeted offer and see how things are. (Currently 3/24, so was thinking Chase first but don't want to push it at this moment).
I personally went for the CITI Double Cash, was going to use it for like 6 months and then apply for the Premier or Prestige after.
Currently working on my intro bonus for the CIP card, but in no real rush since they extended the offer period to 6 months. Got the card in about a week before the lockdowns started in my state
Thank you for another interesting video Sebby! So true about the CC SUB they have decreased dramatically. So to keep my “spirit fingers” busy I’ve been doing Bank SUB 😂 im currently on my 3rd and been in garden since May 😑 im hoping Amex or Chase will come up with more attractive SUB later this year 🙏🏼
I went to the buffet and they all got shut down, so I stopped by McDonald and got my fries for take out. Went home with my fries and applied for the the official COVID CREDIT CARD (aka US Bank Cash+ Visa). Got approved for 5K limit and will now enjoy 5% cb on fast food (fries) and 5% cb on TV/Internet/streaming all year round.
The future of buffets will definitely be interesting. Probably ordering on a menu vs. "walk up" -- arguably better (fresher)?
reason #4 - upcoming spend for me! deferred paying tax bill until this month, so got the US Bank altitude reserve.
Seeing how often you travel, would you do a video on the credit cards you use when your travelling abroad... And how you use it (purchases made in local currency or USD etc) the different fees you get charged, and the conversion rates etc... And if it's worth having a US card with zero foreign transaction fee (like the chase reserve) or a separate credit card in the local currency if you frequent a specific destination.
Thanks
Always do local currency and just CSR (Citi Prestige in the past) since most purchases are general travel or dining.
Thank you for the great video as always seb!
:)
Strategy now is a couple of business cards and keeping spend on the sock drawer cards.
Applied for United infinite on the last day of 100k offer coz Yolo. and that wraps up my 5/24 . Thanks for coming to my ted talk
last card I got was a schwab plat a month ago. Ignored the pop up, cashed out my MR then cancelled the card before the fee. Was about to take a break anyways to gear up for a house, but now just hoping I still have a job rofl
Current expenses are pretty low but looking to buy a home in the next year so I'm sitting tight for now. No doubt I'll have lots of spend once the next house comes into the picture.
In the last few months I collected the Amex Green, Gold, and Schwab Platinum charge cards. Probably going to take a break from the game for a bit.
I've been thinking about applying for a credit card but at the same time I wasn't going to just apply for points because i was NOT going to spend over $3K in anything yet so I'll just wait until I need to spend that amount to get the points.
Wow. Thanks. I just finished applying for credit cards 3 seconds right before your video came up.
Wudja get?
Moneyface American Express only...$2000 limit only...
Moneyface EX-787, EQ-797, TU-804 too mang.
@@Gotfish Hell yeah! Not great for balance transfers but sure you get that SUB and a year of interest-free rewards.
@@Gotfish 800! dang son!
Sebby, Choice Hotels made some interesting COVID-19 related moves on May 20th that no one is talking about. Might be worth a video.
I just got a gold Amex a couple weeks ago. I was going to wait it out but you can’t beat the additional 3 months to reach 4K to get the welcome bonus.
WHY NOT?
Too late.. I have 5 new ones. Made my credit score go up 15 points :) Only use them for gas and lunch at work.
Agree 100%. I had 3 cc pre-approvals from 3 separate banks and all 3 of them are gone!!!! WTF. So ya they are definitely getting tighter. Fortunately i just got 2 new cards last month, so im gona wait a minute see what happens. i'm 4/24, so i might try chase 1 last time later this summer.
As a freelancer who pays 4 quarterly estimates a year, applying for 1 card every 3 months to hit minimum spends is perfect for my situation. I got the Amex Business Gold in April for July taxes, I'm targeting the World of Hyatt card for September taxes, and either Marriott Boundless or IHG to finish 5/24 for January taxes.
Per your question: I applied back in late April / early May. Was approved. Only got it because getting the 60K points is very easy (really don't need to do anything), free companion ticket that the expiration was recently extended by another 3 months. Got the card - besides the points, for preferred boarding, free checked bag, credit for WiFi, etc.
Card only gets 1x point per spend (2x on airline tickets but still not good). Again, just got for what mentioned above. Did receive an email about a week ago that would increase the everything point per spend to 4x for purchases made in May and through June (and retroactive purchases). Doesn't beat American Express Gold for groceries / restaurants but does beat the American Express Blue Business Plus (BPP) by about 1.6 cents assuming I am getting 4x back on BPP (due to using transfer partners). So, using this card for everyday purchases through end of June and flip back to the BBP in July.
Should mention though ... still using BPP for purchases at Lowe's. Besides getting an automatic 10% off purchases, I'm getting an additional 10% from BPP through June and an additional 1x through end of December. Making most purchases online and doing either free delivery or outside pickup. That usually yields another 1% to 3% with Rakuten.
I've been Taking advantage of Sign on bonuses. Had to make some Large purchases Buying a house so it Made sense to get that Platinum Card Bonus in one Transaction and basically 2 free Round trip flights to Japan. Same with Chase Cash Back Cards. Need to Wait to open an Amex one.
Applied for the chase freedom with the $200 bonus and got approved 5 days ago. 1% overall utilization always.🥳
Congrats :) If you want to talk strategy for next few cards: www.asksebby.com/free-card-consultation
Thanks to you and 2 other uTubers, I learned I had been looking at and using CC's the wrong way. I'd already planned on traveling and realized I'd get more "bang for my buck" doing the rewards game. So I worked on paying off all my balances. 11/19 picked up the Freedom. 02/20 picked up the CSR and booked my 2 week vacation to Moscow, Russia on the CSR for departure in 06/20. Then, the plan was to get the Chase Hyatt in 05/20 because that would put me at the 5/24 with them. Pick up the Amex Plat when I was approved. But instead, I had to cancel the trip on May 07 (USSR traveler restrictions) and I am now holding off getting the 2 cards. It's REALLY frustrating because I've been working for over a year to plan the trip but not willing to take the chance and employment is just too sketchy for me to be comfortable with....
@kucupapa lol. Don't think (hope) it'll be that long. I promised a friend back in 2001 i would come visit and this is literally the first year I was going to able to afford it money and time off work wise. I was going to go just to fulfill my promise. Told her she, her husband and kids could come wave at me threw the isolation window. She didn't find it funny. I figure next year things should be ... better. And this time I'll be able to use nothing but points for 1st class travel
@@tinpuk4582
She didnt find it funny...because Russians are known for their humor. Lol
When you say the Chase Freedom you are talking the 5% back rotating categories right?? Also can you use this card with the reserve?
@@micco6020 oh, she found it funny. I know she had a smile/ smirk on her face when she understood what I was say'n. Russian humor is very .... different in some ways. They are very practical and upfront people. Probably some of the most proud people in the world. And rightly so. And that's what makes our friendship so great. Americans and Russians ain't suppose to get each other lol
I was in the perfect time for Chase business cards but that does not seem like a good idea anymore. I wanted to wait until later in the year but I'm sure it will be just as strict. Might get into Amex sooner than I thought
Get aj amex blue business plus via referral so you wont affect 5/24 & earn MR points. No annual fee
I got an ocean credit card 2 years ago to build my credit. It had a £200 limit. Next one was a Barclays platinum with £2000. That went up to £3000 a few months ago. Just took out a bank of Scotland low interest card a few weeks ago with £2100 and 1/4 the interest rate of my first card :)
Just got approved for csp. Not traveling yet so didn’t go csr. Gonna pay rent in advance with it by buying stuff for my landlord. Hopefully hit some ink cards next before finishing with chase.
Just received my amex green card last week and I'm working on the 45k points welcome bonus
You upload this video super late, last week I applied for the Amex golf card 🙃
Did you get approved? :)
Fore!
I'm waiting until after August to apply for a new credit card since a few hard inquiries will be dropped off of my credit report by then. I've never had issues getting approved for decent to good cards even when my credit score was bad for some reason
After finishing spend on IHG, i did the chase 300$checking, then decided to go for the alaska 40k+100 statement credit. So, i guess I'm looking at things a little differently. The timing for the alaska (churnable), next I'm gonna try a non chase biz (sol prop, .5years in biz, not gonna turn much profit this year (uber, covid, but not primary "job"), then back to 4/24, then I'm thinking hyatt or some kinda M R card, but can't get the 100k offer to show😕 Not sure i could meet the msr anyways. Great vid as always!
Got approved for $30k credit card 💳 today from a credit union. I think applying to the major banks is not a good idea now since they’re risk adverse and trying reduce exposure. Credit unions aren’t cutting back as aggressively as large for profit banks.
Credit Plug did you already belong to the credit union before applying?
blue jay not quite... just a very thick profile
You the man CP!!!!! i'm currently 4/24, so i think i might try 1 more chase card, then i'm hitting a credit union!!!
Great video, I’m 3/24 just got my first chase card two months ago. Thinking about an airline card have a 11k tax bill this year.
If you want to talk strategy: www.asksebby.com/free-card-consultation
I just got approved for the hilton surpass for the 150k offer. I plan to mainly just gather points right now. Goal is to hit 15k spend to get a free night and then look into conrad in bora bora for a night or 2 next year. I figure if i can get enough points to make our trip really cheap I can convince my wife to take that aspirational trip. I was worried I wouldn't get approved during these times but got instant approval. Lower credit limit than my chase hotel cards though by about half.
Thank you so much for this video. It answered my IG question I left for you thoroughly!!! Amex Delta gold card I was approved for with a low limit even though I have their Gold Amex I will be non-renewing and everyday Blue with $11k limit both with $0 balances credit score they pulled we 789 noone could advise why the approval was low. Wondering how much will this effect my credit utilization? I want to keep history on my report which is 2005 and will be applied to the Delta card also no annual fee for the Delta vs $250 for Gold Amex
Once I heard about AMEX adding more offers in May along with the already added three months to spend $5,000.00 they gave me no choice but to apply for the Charles Schwab Platinum card before May 31st
On another note, can you report on the NEW Experian credit scoring. I had three inquiries with TransUnion before the change to Experian with Chase, now I have eight total. For some reason Experian added my Chase business credit inquiries and me being a added authorized user.
Is that what they're doing now. I'm waiting for my mailed report and just wanted to see if you knew anything about this NEW change.
Thanks in advance....
Hi Sebby, thanks for all the info as usual. Do you know if the new scoring system has applied already? I did get a new card like 2 month ago, and it actually helped my score because of the huge credit limit increase... but this month my score decreased like 30 points. I'm always good at keeping up with payments and all, and I do not get why my score went down so much. Please let me know if you know if you think the new scoring system has already started
Did your utilization change?
*Oops just saw this now and applied for a card 2 days ago*
Oh Man me too 🤷🏽♀️
Same I got approved but fugg it
Length of a credit card/how long you’ve had that card is still pretty important,so you’re all good.
Same me too
Some cards extended the spend goals by 3 months. I don’t easily spend $5k in 3 months, but 6 months is a cake walk. I signed up for my first bonus card. Credits for streaming, and bonus for groceries sold me.
Can you share which cards you’re referring to? Thx
B B AMEX extended the spend window by 3 months. It may have expired though. It was during most of the lockdown period until (don’t quote me) the 31st of May I believe.
O o f. I signed up for the Discover It Chrome card and the Amex Blue Cash Preferrred card 2 weeks backs.🤕 Got approved for both. Discover gave me $4K for CL and Amex gave me $1K for CL.
I have been approved for 3 cards this week with 17 hard inquiries in the last year. 753 score, 0 utilization.
Diablo. What are the 3 if you don’t mind me asking? I’m just starting out looking for my 3rd card.
I recently got the CSR mostly because of the opportunity cost of not earning the points on purchases I’m already going to make and all the points I can rack up ( and won’t be using because of the Rona!) and use at a later time.
I wish this vid came out last week lol
Applied a few days ago for the AMEX BEC and got approved 15K balance. Good SUB for Amazon
Any advice on what we can be doing right now to rebuild credit? No negative marks on credit and keep credit cards paid off. Thank you 🙏
Just keep doing your thing. Credit is a long-term game (sadly).
More here: www.asksebby.com/blog/how-to-get-a-perfect-850-credit-score-a-step-by-step-guide
"You want to play the game, you don't want the game to play you" *applies this to my dating life*
Well said and great content like always Sebby!
"...same with a lot of other things" -Sebby
Literally right before seeing this video I got a targeted offer for the CSR lol
CeruleanSky did you have a bank account with chase? I really want one of those offers
Applied for the Discovery it cash back card and the chase sapphire reserve. Only got approved to the Discover, I'm pretty sure it was the order of applying. I should have done the Chase first.
If you want to talk strategy moving forward :) www.asksebby.com/free-card-consultation
I got a 20% utilization and I got accepted for chasee freedom , although my limit is quite small only 3,000 limit my score is a 758
It depends, mine doubled in 2 months.
Can you go into more detail on the financial reviews Chase might start doing? If I have business cards with them but apply for the normal Hyatt card, would that potentially trigger this? Or even if I get one of their bank account bonuses? Or is it just if applying for more business cards?
And what is this triggering? Requests for tax returns? Shutdowns?
Chase is usually pretty relaxed on stuff like this. My guess would be income verification.
Yesterday I applied for both the chase freedom card (received $5100 credit limit) and Amex gold, got approved for both with a 788 credit score.
I just applied for the Chase Reserve card no problem and instantly approved last Friday :D . If anyone else is applying for cards take advantage of your pre-approved offers inside your bank/credit card app. That is where I saw my offer.
@blue jay through chase app, assuming you are already a member. You go to open account and under just for you, you'll see your pre approved offers.
I just joined NAVY FEDERAL and want my cash rewards card!
Do some more research before getting a credit union specific card
Me too! Lol. They say to wait 6-8 months so you can get a higher limit.
NFCU is top notch! I've had the best customer service with them for the past year and half. The really love the AMEX More rewards card. I put most of my purchases with this card. Hopefully you get it soon!
Coecoebrown what quick advice do you have on them?
To late I feel there giving you opportunity to get it now why wait later when now is needed we can worry about whatever tomorrow as Scarlett O said
I've never owned a card with an annual fee and have no plans to. I have the Citi Double Cash, Capital One Quicksilver & Savor1, Amazon Visa, and Bank of America Cash Rewards.
- those are all great cards! you have a good cashback set-up
Sebby, can u comment about the wells fargo 1/15 rule? a lot of their cc applications say you may not get sign up bonus if you got a bonus within last 15 months.
Sebby, I'm doing the AMEX aspire strategy where you save this year's certificate to combine with next year's for a honeymoon (my fiancee also just got the card so we are targeting around 7 nights with the 4 certificates and 300,000 points). Which Hilton Maldives property do you prefer? I saw that you went to both Conrad and Waldorf Astoria Maldives properties. The way I am analyzing it, with the Conrad, they have standard overwater villas whereas with the Waldorf they only have land based standard rooms. So even with the diamond status upgrade, you still might be stuck with a land based room at Waldorf. My fiancee really wants the overwater experience, so Conrad seems like more of a sure thing. However I did see in your Waldorf video that you booked a standard land based room and they upgraded you to a huge overwater villa. Waldorf also looks nicer since it's newer. Thanks a lot for any information.
Check out the cost of transportation from the airport to the resort. The Waldorf requires you to use their boat and it is expensive.
WA's new "standard" room is effectively an over-water room from my understanding. Boat fee is expensive though.
With the seaplanes, I "get" it since it's the airline charging people. With the boat, I feel like it should be $250 to $350 :(
@@ChristiansAdventures Thanks for the info.
@@AskSebby Thanks. Leaning more towards the Conrad now.
Just curious, if you have an Amex savings, do they still do a financial review? I am sort of against sharing tax info
Didn't know about the credit crunch - I work for the federal government as a mechanical engineer. Got the Sapphire Preferred & the Freedom Unlimited approved minutes apart the week of 5/24, so that's a vote of confidence. I am already late to the points game, so FOMO is the default.
The risk of waiting on the sidelines is that they'll raise the bar *higher* after the COVID-19 crisis.
If you have a good score + good income, personal cards are still pretty easy.
Chase business cards have gotten substantially harder to get though.
If you want to talk strategy moving forward: www.asksebby.com/free-card-consultation
I just got declined for a Chase Freedom with a score of 780. I was pretty surprised. They seem to be really locking down.
holy shit that is bad. i got the freedom last year with only a score of 697.
Seb, you think that the 1.25 cpp for MR points on Amex Charles Schwab platinum is on risk? Have a ton of MR points and it is my strategy but don't know if wait or just do it now.
I am focused on cash back. Bank of America Premium Rewards + 3 Cash Rewards cards at 5.25% cash back on online spending + 2.625% cash back everything else, and then using the Amex Gold Card on Dining and Groceries at 4x Amex points... as well as other Amexes for the various other Dining, Streaming, Cell Phone credits...
The only card I have applied for recently is the third Bank of America Cash Rewards VISA (World Wildlife Fund)
the only thing that's preventing me from getting an amex platinum is that i might get a car loan later this year :/
a bit worried if getting the platinum would increase the car loan APR🤔
8:55, what is the midgame/lategame of American Express and why do you want to be there?
Most people suggest waiting to get into the AmEx ecosystem for two reasons 1. You want your first 5 cards to be Chase because if the 5/24 rule. 2. AmEx’s only gives a sign up bonus once on a card. So if you wait to get an AmEx Platinum card time can get targeted for the higher 100k signup bonus. It seems like you get targeted for this if you already have several cards.
Which cards are more likely to increase sign up bonus in the future, if any? Co-branded cards like Hilton/Hyatt or other cards such as Chase Freedom?
I'm thinking co-branded ones that want people to travel. Crystal ball guessing at this point though!
Banks are probably going to get more strict with verifying information for people opening up new cards as they don't want to take on unnecessary risk.
Lol yeah I just applied for a card, got approved instantly, then called them and asked them to raise the credit line before my card arrived. When it gets here.... I'm using it to make a purchase that'll activate my "spend X in 3 mo, get Y money reward". It'll kinda suck if they come out with a better offer later, but hard cash reward is never bad.
I read an article today about Amex is not really opening up cards for new customers. Maybe some should try opening up a high yield Amex saving account first to get your foot in the door. 🤔
@Dominica: I was pre qualified for the BCE, BCP, plus the Amex Gold. 5/29/20 Didn't pull the trigger on either though.
Sebby, I'm looking to get the Amex Blue Cash Preferred to my arsenal. My score is in the above 670 and I'm waiting till my score is above 700. This will be my 1st venture into Amex. Do you think waiting till my score is in the 700s is the "right move?" I have a card with my credit union and Cap One now but want to seek better cash back options.
American Express isn't taking new customers at the moment. If you're under 5/24, I would also go with Chase while you still can (even for team cash back).
If you want to talk strategy: www.asksebby.com/free-card-consultation
Seb,
What are your top 3 nonChase hotel keeper cards?
No credit carts and happy about
When is a kid old enough to add on as an authorized user? what are the benefits? Does it really lower their car insurance? What is a good strategy for them?
I don't want a channel I'm just commenting with Amex you can add them if they’re at least 13.
The benefit is that you’re building a credit history for the child so that they’ll already be established when they turn 18. Credit score is a major factor in the formula insurance companies use in determining premiums. A good strategy is to never let the kid touch the card and put a small reoccurring change on the card (i.e. Netflix) and pay it off in full every month
sebby squad 🤩🤩 #algogang
🔥🔥🔥
Applying for chase business as a sole proprietor is really tight right now. I got denied for CIC. I already have 5 chase personal CC including reserve and one business ink with 830 Experian credit score. I usually got instant approval when applying. I'm currently on 3/24.
Yep, Chase Business cards are a no-go unless you have an established business with a decent amount of cash in a business checking.
I'd probably add 1 more personal (so 4/24) and then hold off until the economy recovers.
If you want to talk strategies: www.asksebby.com/free-card-consultation
@@AskSebby Thanks! Please let us know when it's safe to apply for a business credit card again as a sole proprietor. TYVM
Hey Sebby, I was wondering if having access to a lounge area by having for example the CSR. Can the person you're traveling with have access to the lounge as well?
Lounge access is via Priority Pass. PP rules differ by card and lounge (and capacity).
Think I am going to wait 6 months before I apply to anymore cards
Sorry Sebby! I just applied for the CSP and was approved and im about to hit the limit.
I don't think you should have applied for a credit card if you hit the limit in a month
Sebby do you think they might increase the bank account bonuses? I was looking into the $600 bonus for chase
I hope so :)