Best Fair Credit / Average Credit Credit Cards in 2019
HTML-код
- Опубликовано: 9 сен 2024
- Support our channel by hitting the Thanks Heart below the video or choose your next credit card using one of the card links at:
www.proudmoney...
(We'll get compensated if you're approved, and we thank you kindly.)
Other ways to support this channel:
- Get a $25 - $325 bonus when you open a SoFi Checking/Savings Account at: www.sofi.com/i...
- Join Robinhood with this link and we'll both get at least $5 in free stock: join.robinhood...
- Use our Amazon.com link: amzn.to/2PpQWoB (As an Amazon Associate, we earn from qualifying purchases.)
.
NOTE: Credit card information in this video is not guaranteed; we have attempted to confirm all information to the best of our ability but we could simply be wrong or the information could be outdated by the time you watch this video. We are doing our best here, but check our work!
.
Our site: www.ProudMoney...
Contact: Adam Jusko adam@proudmoney.com
(for business/media inquiries only; unfortunately I do not have the time to offer thoughtful answers to the many individual credit & money questions I get by e-mail --- but I do read them and try to incorporate answers to common questions into future videos!)
#faircreditcreditcards #averagecreditcreditcards #averagecredit
![Megan Thee Stallion - Neva Play (feat. RM) [Official Video]](http://i.ytimg.com/vi/TpYTyAaTRts/mqdefault.jpg)
Support our channel by hitting the Thanks Heart below the video or choose your next credit card using one of the card links at:
www.proudmoney.com/best-credit-cards-on-the-market/
(We'll get compensated if you're approved, and we thank you kindly.)
Other ways to support this channel:
- Get a $25 - $325 bonus when you open a SoFi Checking/Savings Account at: www.sofi.com/invite/money?gcp=68388c1c-9593-48a6-8872-7052db78d937
- Join Robinhood with this link and we'll both get at least $5 in free stock: join.robinhood.com/adamj-09b15c75
- Use our Amazon.com link: amzn.to/2PpQWoB (As an Amazon Associate, we earn from qualifying purchases.)
.
NOTE: Credit card information in this video is not guaranteed; we have attempted to confirm all information to the best of our ability but we could simply be wrong or the information could be outdated by the time you watch this video. We are doing our best here, but check our work!
Walmart Mastercard Credit Card is my favorite, I am on Social Security with No collections or Public File, Credit Score 769. I was approved for $2,500. You make a single purchase from them and pay it in full and the following month your credit line will go to $5,000. And 6-8 Months later an increase to $7,500 Credit Line AND $1,500 Cash Advance Credit Line which is great for Emergencies.
I am working toward the 700's. I am almost there. I have the Quicksilver already. Good card.
Self- Lender is only $25/ month for a 2 -year program. $48/ month for 1 -year credit builder program. You pay it on time. They report your good payment history to all 3 credit bureaus.
Capital One is my Favorite credit card company! No annual fee or over the limit fees. I got them to freeze my account when I was in the hospital! I am getting a checking account with them soon. Capital One is the best!!!
I can't fathom why you only have 3.5k subs. Your vids are always straight to the point, there's never any bull, you don't waste the first 90 seconds begging for likes and subs... I don't get it. FWIW, I tell everyone I know about this channel.
Thank you, appreciate that very much. the channel is growing steadily, though i wouldn't mind if it picked up speed a bit 😀
I wish you included pictures and a visual list to help organize all the cards you've talked about. Other than that, good video!
I got the amazon prime visa with a 1500 limit at only 637.
You should add more visuals like the default card so the audience can see what card your talking about cuz a lot of cards sound the same
ez3619 I was thinking the samething
Another on-point video and thanks for uploading this topic, Adam.
I was approved for the American Express Gold Card with at least a $10,000 spending power with a 697 Transunion credit score and a chapter 7 bankruptcy on my file. Almost anything is possible. Keep building that credit and make smart financial choices. After the bankruptcy comes off, my score should go to around 760.
That's pretty interesting, would think Amex would not give you that much credit with a bankruptcy.
Wont come off until 2023
You know what I really believe those scores are over everything even with the bankruptcy that’s what pops up first not your entire credit report.
Joseph Paine hmmmmm. Doesn't really make any sense. The AMEX Gold card is a charge card not a credit card. It doesn't have a credit limit that would ever be stated.
I dont believe that
I was approved for an Chase Sapphire Preferred 10K @ The time I was rd 720ish Fico Score.
thanks for sharing that!
That's awesome
congrat!
I can testify to the fact that having a relationship with Wells Fargo can be beneficial too. Banking with them since 2010, and got the Propel card with a rebuilding score at the time of 650ish.
interesting. thanks for sharing that!
Good job on this video.you have done your homework :)
I got the capital one platinum mastercard at 635 score 1050 limit and ollo with 2200, got quicksilver at 670 at 2050
We had same w similar scores and limits
Very insightful presentation covering the still somewhat rickety part of the credit ladder between 690-750, which isn't sufficiently addressed by other advisers.
Additional videos with tips about other cards for fair/good credit to borderline excellent credit would be welcome...
I got approved for the blue cash American Express card with a FICO score of 740 and Experian score of 697. With a $10,000 credit limit. Getting the card has increase my credit score on my Experian credit up to 740. I was thinking about it now I should’ve gotten a blue cash preferred card instead with the higher cash back rewards $95 annual fee.
750Experian 732Exquifax 755Transunion Just started following your page. Awesome information. Very intuitive & informative towards the common person that's not to geared in the region of credit. Keep up the good work guy.. 💯💯💯💪🏾💪🏾💪🏾
thanks, much appreciated!
I got denied for Chase Freedom card and approved for capital one With $1,000 limit. I have 697 score
@@travismcpherson4811 Not much Couple store CC, A car note From 2017. I had a two CC before but that was over 10yrs ago, and I was young at the time and closed them. I am starting again
Nicely done on the video and the valuable information that was given.
im working and rebuilding my credit and at that time i had about 600-610 score across the big 3 and i got approved for the capital one master platinum card. i was shocked and it is not the secure version. but so far so good
D-T-O-M what was the limit?
@@RyanTebow the limit was 300.. a week later after I posted this comment I applied for a discovery card and I got approved for 750 limit.. I went through the pre approval process to see if I qualify. And I did for discovery so I applied for it.
Good video! According to FICO, 700 to 739 is good credit.
yeah, i think we kind of stray into good credit on one end in this video, and also dip down a bit into what might be considered bad credit.
Amex Gold Card. I was approved with 717 Experian score(credit.com), 728 FICO Experian(discover it). 9 months of credit history with annual income less than 30k.
With an income under $30K and less than a year of history? That is surprising to me.
Always easier to get charge cards than credit cards.
Question - did you have any late payments on your report when you applied for your gold card? I have some late pays from July 2014 but my transunion is 738
Question - did you have any late payments on your report when you applied for your gold card? I have some late pays from July 2014 but my transunion is 738
Hey can you make a video for cards with scores greater than 750?
I'm waiting for the entry "Chase Sapphire Dispreferred". $49 Annual Fee, 1 point on Travel and Dining, 0.5 point on everything else, 1.10 cents apiece when redeemed for travel through Chase Ultimate Rewards. Automatic upgrade to 5/24 until you get your act together.
i'm going to keep this idea for april fool's day in 2020.
Great video very thorough.
Just got discover it card yesterday equifax 646 trans 625 experian 642. Fico scores
COUNTRYBOY84380 nice man that’s the card I’ve been eyeing. Currently at like 620 so ima wait a month or so and apply.
Exqifax and Exper now 665 and trans 678 1 month later. 700 club here i come.
@@burntdice2810 apply for the secured discover card
Tyrone Williams I already have a quicksilver one. What’s the point of getting a secured card when I already am making on time payments on a regular one?
@@burntdice2810 one credit card when it comes to your credit score(fico) is not enough fico score recommends everyone to have at least 21 accounts along with good payment history no lates no charge offs and credit age of 8 years old or older credit or loan accts.for perfect 850 score i also recommend you to get a small personal loan to improve your score ( for more points ) to show lenders ( credit mix) i have 9 credit cards and 3 small personal loans im paying every month.
You can apply for "Capital One JOURNEY" You do NOT need to be a student to apply. They are below 680 Credit score.
Good info. Tnx. Is there a certain credit history age that I need to have to get chase freedom card? Or any chase card for that matter?
Hard to say, but for most people Chase is not going to be their first credit card because Chase seems to like to see a history with another card first. I imagine you could still get a Chase card with a year or so of history, but it probably depends on what other cards you've had and your income. Some people think Chase likes to see more like 2 years, so I'm not sure on that.
@@ProudMoney ok tnx. I will have a 1 year of history this summer. Will try to apply then, among other cards, if will get denied then next year.
Chase freedom unlimited was my first card. No credit file though I've been banking with them for over 2 years
i got Approved for the chase freedom card when i had a credit score of 625
645 here
I’m trying to get with chase but I’m over 5/24 rule I’m @678fico
I would like you to be specific when saying "credit score" do u mean vantage... Transunion/ equifax or do u mean Fico and if Fico do u mean Fico credit/bank card score?
He is talking about FICO score
Since 2015 ive had accounts ckg&sav with Wells Fargo&Usbank I had 2 secured cards that graduated to unsecured.
Last June usbank sent me a targeted pre approved offer in my account log on page for a Cashplus Visa Signature. I was approved for $5,000@ TU FICO score 625 since then my score has increased to current 730 TU, 727 Eq and 742 Experian.
Jan I added NFCU cashRewards Visa Signature and was just approved today for a GoRewards Visa Signature.
So you got that US Bank card in the low 600s, huh? Interesting. Prior relationship with US Bank is probably a big factor there.
@@ProudMoney yes Usbank is a relationship bank. I have definitely proven myself😁
I cannot get a preapproval for any u.s. bank card with a 700 tu fico; sometimes I wonder if ppl are actually talking fico or vantage. My fico used to be lower than my vantage but now my fico is higher than vantage.
@@budgetto if you average credit age anit 5 yrs or higher , if you have more than 5 inquries in the past 24 months , and if you have anything negative like charge off or late pays they will approve you.
Adam isn't any score in the low 700s considered Good per FICO? I heard you say low 700s was in the Fair range.
700+ is basically that fine line to good apr. I got 3.5% with a 705 my good friend got 2.1% with 800. Really no difference IMO
I got the blue cash American Express card had a FICO score of 740 and Experian credit score of 697. Was approved for 10,000 but now that I’m thinking about it now I should’ve gotten a card with the annual fee to get the higher cash back rewards
How many years credit history did you have when you applied?
New subbie here😁👍! Love your channel!! PLEASE HELP!!! Which specific credit cards report to all 3 credit bureaus? We're trying to build our credit after bankruptcy and have been told the cards have to report to all 3 bureaus but none of these cards specifically state they report to all 3. Not sure if were looking in the wrong place but where do they state this info? We're at about 650 currently and really want to build but I dont want to just apply for a credit card without knowing FOR SURE they report to all 3. Appreciate any and all help!! Thankyou!! Keep the vids coming✌Good stuff!!
I don't know of a list that covers all cards. Most cards from major companies (Bank of America, Amex, Cap One, etc.) are going to report to all three. Smaller banks may not, so you might have to call or root around on their website to see if you can find that info.
Story time, I'm 18 and I applied for 2 cards about 2 months after I turned 18 I was denied for the Capital One card and then I applied for the Discover it and was approved with zero credit. I did the pre approved and it told me Discover it would work and I got it. Credit is very interesting so try one.
congrats! wait after a year of good credit with discover and then reapply for capital one and or chase freedom
If you don’t mind my asking what limit did they start you with
Bank of America is better when you have a relationship. You can get a secure card with them in low 600's.
They also had a Class Action Lawsuit Settlement on overcharging on credit cards illegally.
What score range would you guess for the Chase Slate card? I've heard people elude to the fact that it's an easier approval than say the Freedom card but curious about your thoughts. Thanks
it might be a little easier to be approved for, but if u want it for the 0% offers, the question would be whether u get a big enough credit line to make it worthwhile.
Adam, since you didn’t add it here, can you do a review on the Blaze Mastercard? I can’t find much information about that card anywhere.
I been watching ur videos and they are very informative, there's a way u could do Mercury rewards card? I got accepted for 2k no annual fee but I don't see a lot of reviews on the card so I just using like 10 bucks just in case it's a bad card
I have the platinum card for about 2 years now, i have the quick silver also, can I change or upgrade the platform card for one with rewards ?!
Hello excellent video Can you help me with this question. Does the store credit card count for chase 24/5 rule?
Store credit cards usually do not count with 5/24, although if you open too many of those I'm sure it could hurt your approval chances anyway.
store , gas, catalog and major credit cards does count towards chase 5/24
I applied for a Chase Freedom with a 666 FICO + low utilization and 6figure salary and was denied due to too many recent store card openings within the last 90 days so I’d say yes, store cards do count in some cases.
interesting, thanks for your comment!
This video was very helpful thank you
650 score 250k approx income. Business credit card recommendations?
469dwj you should type in business credit cards and you’ll get everything you need. I just did this.
@@Shontise_Shonie do you use your tax I'd number to get business credit cards? Do you need to have credit on your file?
I don't what your capable of as far as video editing goes. If you could add images of the card(s) you talking about in the video would be nice and helpful especially for rewatching if you wanted to skim to that card.
would love to do that but quite honestly these videos don't bring in enough money to justify the large amounts of time already being dedicated to them. maybe once we hit 100K subscribers 😀
Information is solid. You deliver well. Just need a better outfit. Not good to show thermal undershirt.
that thermal undershirt is in a lot of videos, a real fan favorite actually 🤪🤪🤪
I’ve never seen such a random comment before lol
How many capital one credit cards are you allowed to have?
I have spoken to two different customer service reps, they both told me they don't have a 2 card limit. They also said don't try to apply for a new card or credit increase within 6 months of getting a new card or increase.
I have 4. Venture, Quicksilver, Spark Business Classic and the Platinum. As of right now, there’s no limit on how many Capital One cards you can have. And they suggest not applying for a new card more than once every 6 months.
I have 3 & 1 is secured card
Jerry b I have 3 & 1 is secured card
I have 2
Above 680 is good credit score, according to FICO 8 and the credit bureaus(like Experian) ,but of course 700 is better. Why is your credit scoring model different? They also have a credit card scoring model -which at least for me is higher score than my fico score 8 of 697. Is Discover it a good fair/good credit card to apply for? I have one credit card. I'm wondering why your scoring models say my score is average and some say it is good? I would appreciate an answer for this. I'm not doubting your information, just curious about the discrepancy.
There is no universally agreed upon definition of average credit vs. good credit, no definite cut-off line from one to the other. Every credit card company or loan company is going to define it differently; I am using a scale that I believe makes sense based on what I know of which cards are usually matched with which credit scores. My numbers are definitely not 100% "correct", though --- just an estimate.
I was approved for a gap store credit card and a year later they " upgraded " me to the gap Visa silver card. The only issue is they issue it as a new account so it's a hard pull.
Did they tell you they were going to hard pull before the upgrade?
ProudMoney - Credit Cards & Personal Finance Nope I just happened to log in one day and saw a new account when I called them to inquire they said congratulations you’ve been upgraded to the visa gap card and that’s it. It wasn’t until I activated the card and a couple days later saw on my credit tracker that they did a hard pull.
That's surprising, would've thought that would be a soft inquiry.
Sounds to me like an unauthorized hard pull. Isn't that challengeable ?
I have the Capital One Journey should I even bother trying to switch to the QuickSilver ?
You can ask for a product change ... by doing that and going to the quick silver card you can get a little bit more cashback vs the journey. Is it worth it ? 1.5% vs 1% I say go for it your not losing anything.
@@joerodriguez7334 I don't know if it's possible to do that tho considering the Journey was my first ever card
@@jdh2800 I started with a platinum that had a $39 annual fee cause at the time I had bad credit ...a year or 2 later i was able to product change it . You can either call in or search on myficoforums.com for a link called capital one product change .
JOE RODRIGUEZ I just did it. I found the upgrade link and it was so fast. No credit pull or any questions. No animal-fee version as well! Definitely worth it. Easiest experience ever.
Are these still the same? I currently have the Freedom, IT, Quicksilver one, Ollo. Thinking about getting the Marvel MasterCard. Not sure why you aren’t a fan of it. It’s 3% cash back on dining and entertainment with no AF. 700 CS I don’t have a no AF dining/entertainment card yet. You suggest a different route?
I recently applied for a Discover It card, a Citi Double Cash, and a Chase Freedom card. I got approved for the first 2 however I got denied for the chase card, I'm guessing it's because of the inquires.. My credit score is 720
You're moving too fast for chase. Slow down, dont apply for another card for around 3 months and apply again. You should be good as long as you arnt 5/24. (5 new credit cards in the past 2 years)
yes, sounds like multiple applications in a short period might have tripped you up. thanks for sharing your experience, i am always particularly interested in the scores that citi approves at.
Chase is evil.
how low is low for capitol one Platinum?
I got aproved with 610 with 300 dollar limit and a year later is up to 500
My trans Union is 726 and my eq is 720 but I got declined for capital one Quicksilver😭
have you opened many new accounts recently? it is surprising u would be turned down with scores over 700.
Whaaaaat
im confused why my credit score is so high if only I've had it open for 6 months with one account. I have 727 considered that my brother has had it the same time open and his is 50 points lower than mine?
Weird
I have 667 paid old charge off still cannot get approved
open up the 2 following accts and u will be good to apply for better accts after a year or so 1. self lender and open sky or and capital one secured mastercard
Tyrone Williams thank you for the feedback!! I have both self lender and opensky, and I have a 20k credit card with my credit union and I literally use 600-1100 monthly and pay it off, I have no interest fees. So I’m thinking I’ll give it some time as well...my be 8 more months
Lore’l Reyes congrats! I wish I had 20k credit card. What credit union are u with? I’m with 3. Alliant, navy fed, and PenFed. I been rebuilding my credit since late 2016. Have 9 credit cards now. Got take a 2 yrs break. Goal is to get 5 more
Tyrone Williams navy Federal! I started off with a secure card 2 months before and applied for unsecured and got approved. The rep told me my secured probably will unsecure in a few months to avoid another hard pull but she also said if I was to apply for a new unsecured card navy fed usually matches your highest limit or more, so I’m going to apply for a new card in a few months to have more available credit and hopefully a good sign up bonus. My utilization is about 4% -11% across 6 cards. And it really doesn’t change too much even holiday time I don’t spend more than I can pay back period. That’s just me and my habits now. But those paid charge offs are haunting me!!!!!
Lore’l Reyes I have 1 paid charge off and 5 non paid charge off accts and 22 inquires on
All 3 reports. I’m the same on charge what I can pay but I also took out 3 small loans. I have them paid 8 months. I started of with the go rewards card with $500. Then I switch to the cash rewards next yr I be with them 2yrs. Have a $4500 limit them now. I am plan disputing them 6 accts off my reports soon. What’s ur end game how many credit cards you trying to get til u done
I wonder if I can get approved for a Quicksilver card with a score of 656. I'm new to credit and went from a 0 credit score to a 656 in 2 months (Going on 3 months now). Not sure if I'll get approved
Absolutely years ago i had a 530 and got approved for one
@@tonyfitch3711 cool! I'm not at 685
I'm actually at 725 now. And I got an offer for it
Yes, we did around same score
You must live in Canada, wearing thermal under wear.
I like the videos, but IMO they are about 10 mins too long.
I REALLY like to talk! You are right, I have scaled back and done a better job of editing down over the last few months.
Weird chase approved me for CSP with 779 credit and 20 year credit history..Clear records with all credit company..
But denied me with chase freedome unlimited weird
You were probably over 5/24
I just want to buy a Rolex
lol
All I ever wanted was that Rollie Rollie!
Graphics
Don't you mean fair to Good.....725 is good credit.
Mogul...
@0:35
Donn Mogul no it is not
According to FICO it is:
With FICO, the most widely used system, scores range from 300 to 850 (though no one ever achieves a perfect 850). Scores above 760 are considered excellent; those consumers have an easier time getting credit at good rates. Scores between 725 and 759 are still very good
650 to 700 is poor in my book. Make it to 750 and above and you are in good shape.
Good thing your book ain't the standard