💲 Download MaxRewards: maxrewards.app.link/spencer (Code: SPENCER) If you’d like to see how to get a retention offer on any of your cards, watch this video next: ruclips.net/video/2xhURuVOLJ8/видео.html What is the highest credit limit increase you’ve received? 👇🏼
In 2022 I already had an AMEX Blue Cash Preferred and was approved for a CSR and an Apple Card, both with significantly higher limits than the AMEX, and both within about a month of each other. A few days after the second approval, AMEX automatically increased my limit to match the two other cards.
Great points here Spencer! I’ve always found it easiest to request a CLI every time I had an income increase, but ultimately if I were to do it over again, I probably would have just applied for cards to increase my limit instead, while getting a sign up bonus as well!
Chase no longer doing a hard pull is a big change, and even if online, your card says "not eligible", you can call anyhow. That being said, don't abuse it!
Great overview of the pros & cons. When i was rebuilding i aggressively pursued credit limit increases & opened new accounts when i could to build up my credit profile & available credit. Now I don’t worry about it, since i have more credit than I would ever use!
I want to point out that automatic credit limit increases are not necessarily related to being responsible with your cards. Before I started educating myself about the credit card game I was not very responsible with my credit. This was like 5-6 years ago. I always paid on time but I just paid the minimum in two credit cards (CU was at around 80% on both). I still received credit limit increases on a yearly basis of $2-3k on each card (for some reason).
You were still paying on time, so the credit card company loved that you were carrying a balance and wanted you to carry more! I received an automatic increase on one because I took advantage of a 0% interest offer, so I switched all my purchases to it and the balance crept up towards the limit, then they automatically increased it. This card actually used to be my primary card nearly 20 years ago, but I rarely used it the past 10-15 years so they dropped the limit in half. So I was curious to see if using it a lot would get an automatic increase.
Thanks for the DP! I mostly agree with the second comment left below. They probably saw that you had a propensity to pay your cards on time, but were paying them interest which they wanted to encourage by giving you more credit. They can be predatory that way!
This is true every time I got close to my credit limit Both BOA and Capital one would increase my limit automatically 😂 as long as you pay your minimum payment and use the card they’ll increase it!
Me too over this past year I’ve been using capital one carrying a high balance and they still gave me two (CLI) in one year. But I did pay on time every month.
Great video Spencer. I have gone the route of asking for a CLI and getting a new card to increase my available credit. One of the best benefits is that utilization. I too keep my cards utilization low...usually below 3% but the more total credit available the better.
I always like the point of applying for a new card for a higher limit + better benefits vs just asking for a higher limit alone. And the propensity of debt, is tantamount. Do you see a lot of cases from others for a counter when requesting a credit limit increase? Great breakdown Spencer, very comprehensive!
I'm glad we agree! I have seen some cases where people request a really high CL and they get a counter offer rather than it being auto denied, but that hasn't happened to me personally. Thanks for watching Tony!
I’m of the camp to apply for a new card rather than ask for a CLI. More often than not I’ve gotten automatic CLIs across issuers based on income increase
Hey Spencer! In my experience, I’ve received 3 automatic, soft-pull credit limit increases for my AMEX Delta card (which has an AF). At this point, it feels like too much since I’ve never spent over $10k, even $20k, for things in a short amount of time, so I deliberately decided not to update my income after getting a new job with a higher income 😅 (not the smartest decision now but to my next point…) On the other hand, I have the Wells Fargo Autograph card (no AF and a Visa Signature card) where my credit limit has stayed at $1,500, and I have not received an automatic CLI after holding it for a little less than a year. I’m considering asking for one since there aren’t many cards without an AF and foreign transaction fees that look appealing. Fingers crossed if I decide to go through asking for a CLI🤞🏼
Amex is the easiest to get a credit increase and I have my highest limits with them. Capital one sucks with increase, I've been trying for 1yr and they keep denying me!! ( I have excellent credit & income ). Citi gave me a hard pull on my Transition which I wasn't expecting.. Great vid as always Spencer 💥
Thanks for watching as always! Amex is definitely pretty easy. I found Citi to be very straightforward too but most of the time they should be soft pulls... sometimes the fine print will get you though if you don't look closely. Capital One is definitely one of the worst with their bucketing system though. Hopefully you'll get that CLI one day!
It's definitely still a viable option, especially now that they have the Freedom Rise for people with no credit history. However, you can build whatever set up you want at the end of the day!
What a timely video. This information is super useful to me as I just asked Chase for a credit limit increase. I forgot how picky they are about how much credit line they’ll give you based on your income, so I kinda regret asking. I only asked for 3k more, but I do want to add at LEAST 3 more Chase cards to my arsenal so I should have just been patient. Oh well. Silver lining is they’re amazing at working with moving credit lines around, so I could just do that if all else fails. I’d be happy if I got the credit limit increase but I would be equally as happy if they declined it, or only did a partial increase, as I’d like to just open more cards in the future with Chase. The goodest boy, hi Odin!
I don't think you made a bad decision! If you'd get a lot of good use out of a CLI, then it's not something to regret. Congrats on that CLI btw! Odin says hi as always!!
Thanks Brenley! And yes you're correct. The charge cards don't have a preset credit limit so they don't report utilization percentages, but do report on time payments.
Very well presented content. I was adamantly opposed to carrying debt (after paying off school loans), I didn't have credit cards. Under the advice of my mortgage broker, I applied for a Capital One. Purchased with a low % conventional loan. My current goal is to increase my credit limit overall. Great advice here. Subscribed!
Thank you so much! I'm happy to hear you've started to see the power in using credit cards responsibly. I hope my videos continue to provide value to you and thank you for the support!
Just to make sure I got this 100%: So if I use 20% of my credit Then My bill comes out on January 22nd And it says My due date is February 18th I then pay the full balance on February 3rd And then Between February 3rd and February 16th, I make 15% more charges on my now paid off card So Do they report the 15% I have done after I paid on February 3rd or do I have till March 16ish to pay off this new 15% so it doesn't get reported or look bad on my credit history?
What's your honest opinion about request a credit limit decrease on your first card that you don't use it anymore? For instance, I have the Bofa Custom Cash for 11 years as my oldest card and currently have 10k credit limit on that card, instead of canceling the card I thought about request a credit limit decrease from 10k to $500 and add Amazon reload $1 per month to keep my account alive. Also, apply for more credit cards in the future.
I don't think there's a reason to ask for a decrease. You want that available credit limit to help your total utilization calculation (by having a more unused credit). With that said, they may automatically lower it due to little or no use (my oldest card did that because I rarely used it anymore). They will usually send you a letter before they cancel one, giving you a chance/reminder to use it. So I make that annual charge and put it back in the drawer. Some cards have started to really entice you with some nice offers to get you to use them again such as 0% interest charges for 6-months, better balance transfer offers, etc. So you would still want the limit if they sent you an enticing offer.
I've personally never asked for a decrease and likely wouldn't do so unless a lender started denying me for having too much credit open. You could always apply for another card with that bank and move some of that old CL to your new card, but that's a situational thing.
Excellent video but when are you talking about store credit cards in general and even applying for any store credit cards since that’s an excellent item to bring into the table since every everybody may have confusion and not every aware to apply or not. Thanks peace ✌🏻🤘🏻
Even with a hard pull it’s only on their for 2 years but for me in Australia hard enquires are there for 5 years it’s so bad!! It’s like we get punished
I just tried to go from 9k to 15k on my Amex BCE. I was denied due to a lack of income. I have the BCE at 9k, Hilton no AF at 1k, and a gold with NPSL and 10k POT limit. I only make 28k a year, and I have 9 cards with over 35k in credit, not counting the Gold card. Seems I've hit my limit with Amex at least
I'll add it to my ideas list!! However, if I remember right, you already have 5 cards, so you should probably be adding higher tier cards than more starter cards. Just make sure you use the cards you have now responsibly and over time your score should rise! Until then, I'd probably wait on applying for more.
@mazproductions2634 nope im building just applied for a job on the target site so if im selected ill update my income and my score will probably be higher soon
@@Theturbobooster ohh ok gotcha yeah that’s most likely why they weren’t too generous with starting you off with a higher limit for the cards. Keep grinding brotha and climb the ranks!
he said that credit utilization is not reported to the bureaus, why would he report this? This percentage of utilization makes up 20 to 30 percent of your score.. wtf
In my case. I have the freedom Unlimited. Three yrs ago I started with the low limit they gave @ that time. It's still low 💯. Because chase, has changed one rule. Asking for a credit limit increase isn't a hard inquiry now 💯. I decided, to ask chase for a credit limit increase recently. I am still waiting on their decision.
Not true, AmEx reports my Gold and Platinum balances. I always pay the statement balance but I guess there are overlaps….this has been since around the time Covid hit.
Well, it's true if you use the cards as intended. If you set them to pay over time, they may report utilization, but if you use them as a charge card, they do not.
I mean, it depends on what you're trying to do. That'll hurt your score in the sense that your credit utilization will go up since you lost that credit limit, but if you couldn't downgrade the card and cancelling it was your only option in getting what you needed then I guess it could make sense to do that!
I’m in favor of just applying for a whole new card rather than requesting a line limit. But honestly at this point, I don’t even need more credit.😭 All my bills per month are still less than 1% of my total limits so if I get more, sweet but I don’t actively request limits anymore. Add my wife’s limits onto that, and we just apply for new cards, don’t really worry about limits anymore - it’s freeing.😂
Capital One should really reconsider the bucket system, but I understand why. I started with $1500 CL on my Quicksilver, but it climbed up slowly in the last 2 years. I just keep my card active with minor purchases for when I come to request a credit limit increase. Stay strong mate
In general, that's what I aim to do on all my personal cards yes. You don't have to do that by any means, but if you make early payments to bring that utilization down, that can help your score a lot!
Appreciate the reply. My credit score is currently around 720 which isn’t great by any means but I just got a new card and wanted to make sure I’m doing it right haha.
MaxRewards…I wouldn’t recommend using this app, you are giving up all your spending habits and access to your financial accounts. Your data is already being harvested, sold snd shared (read TOU). On top of that, you have to pay to use the good features….they should be paying you to use the app :-)
I appreciate your perspective! Luckily they're encryption is basically exactly the same as Plaid, so if you trust those services, you should trust them. I've used MaxRewards longer than they've been a sponsor of the channel, but you may have missed that part. Thanks for sharing your thoughts nonetheless!
![Ultimate Beginner's Guide to Credit Card Points in 2024 [Updated]](http://i.ytimg.com/vi/qu47ulGpHDo/mqdefault.jpg)
💲 Download MaxRewards: maxrewards.app.link/spencer (Code: SPENCER)
If you’d like to see how to get a retention offer on any of your cards, watch this video next: ruclips.net/video/2xhURuVOLJ8/видео.html
What is the highest credit limit increase you’ve received? 👇🏼
In 2022 I already had an AMEX Blue Cash Preferred and was approved for a CSR and an Apple Card, both with significantly higher limits than the AMEX, and both within about a month of each other. A few days after the second approval, AMEX automatically increased my limit to match the two other cards.
That's great! Thanks for sharing your experience!
Great points here Spencer! I’ve always found it easiest to request a CLI every time I had an income increase, but ultimately if I were to do it over again, I probably would have just applied for cards to increase my limit instead, while getting a sign up bonus as well!
Thank you Stan! And thanks for sharing your thoughts as always. Applying for a new card is definitely a solid approach!!
Chase no longer doing a hard pull is a big change, and even if online, your card says "not eligible", you can call anyhow. That being said, don't abuse it!
Agreed!
Great overview of the pros & cons.
When i was rebuilding i aggressively pursued credit limit increases & opened new accounts when i could to build up my credit profile & available credit. Now I don’t worry about it, since i have more credit than I would ever use!
Thank you Doc!!
I want to point out that automatic credit limit increases are not necessarily related to being responsible with your cards. Before I started educating myself about the credit card game I was not very responsible with my credit. This was like 5-6 years ago. I always paid on time but I just paid the minimum in two credit cards (CU was at around 80% on both). I still received credit limit increases on a yearly basis of $2-3k on each card (for some reason).
Thats strange😂😂😂
You were still paying on time, so the credit card company loved that you were carrying a balance and wanted you to carry more! I received an automatic increase on one because I took advantage of a 0% interest offer, so I switched all my purchases to it and the balance crept up towards the limit, then they automatically increased it. This card actually used to be my primary card nearly 20 years ago, but I rarely used it the past 10-15 years so they dropped the limit in half. So I was curious to see if using it a lot would get an automatic increase.
Thanks for the DP! I mostly agree with the second comment left below. They probably saw that you had a propensity to pay your cards on time, but were paying them interest which they wanted to encourage by giving you more credit. They can be predatory that way!
This is true every time I got close to my credit limit Both BOA and Capital one would increase my limit automatically 😂 as long as you pay your minimum payment and use the card they’ll increase it!
Me too over this past year I’ve been using capital one carrying a high balance and they still gave me two (CLI) in one year. But I did pay on time every month.
Great video Spencer. I have gone the route of asking for a CLI and getting a new card to increase my available credit. One of the best benefits is that utilization. I too keep my cards utilization low...usually below 3% but the more total credit available the better.
It sounds like we have similar strategies. Thanks for watching!
Just increased my limit on my Savor One this morning! Perfect timing. Great video Spencer! 🔥
That's awesome! Congrats!
I always like the point of applying for a new card for a higher limit + better benefits vs just asking for a higher limit alone.
And the propensity of debt, is tantamount.
Do you see a lot of cases from others for a counter when requesting a credit limit increase?
Great breakdown Spencer, very comprehensive!
I'm glad we agree! I have seen some cases where people request a really high CL and they get a counter offer rather than it being auto denied, but that hasn't happened to me personally. Thanks for watching Tony!
Idk about those visa signature minimum limits. My US bank altitude connect go has a 2k limit
Each lender may have their own rules and reasons for doing things, but that minimum limit is a general rule.
Before CJ, (cough), TEAM CLASSIC GOLD 🥇
Hahaha legendary 🥉
Applying for a new cards has been by far my fastest way of increasing my overall credit limit
Same!!
I’m of the camp to apply for a new card rather than ask for a CLI. More often than not I’ve gotten automatic CLIs across issuers based on income increase
Same here!
Hey Spencer! In my experience, I’ve received 3 automatic, soft-pull credit limit increases for my AMEX Delta card (which has an AF). At this point, it feels like too much since I’ve never spent over $10k, even $20k, for things in a short amount of time, so I deliberately decided not to update my income after getting a new job with a higher income 😅 (not the smartest decision now but to my next point…) On the other hand, I have the Wells Fargo Autograph card (no AF and a Visa Signature card) where my credit limit has stayed at $1,500, and I have not received an automatic CLI after holding it for a little less than a year. I’m considering asking for one since there aren’t many cards without an AF and foreign transaction fees that look appealing. Fingers crossed if I decide to go through asking for a CLI🤞🏼
Always a great video! Enjoy all you do! 100%
Any word on the Citi new cards they say might come out?
Keep up the awesome videos!
Thank you so much! And not that I'm aware of yet unfortunately...
@@SpencerJohnsonOfficial ok. Thank you for answering back!
Amex is the easiest to get a credit increase and I have my highest limits with them. Capital one sucks with increase, I've been trying for 1yr and they keep denying me!! ( I have excellent credit & income ). Citi gave me a hard pull on my Transition which I wasn't expecting.. Great vid as always Spencer 💥
Thanks for watching as always! Amex is definitely pretty easy. I found Citi to be very straightforward too but most of the time they should be soft pulls... sometimes the fine print will get you though if you don't look closely. Capital One is definitely one of the worst with their bucketing system though. Hopefully you'll get that CLI one day!
This was a good video I actually learned something new
Well I’m happy to hear that! Thanks for the support!
Spencer you did 10k views in 4 days you killing them !!!!
Thanks so much Ridley!!
Great video, you explained everything very perfect for any beginner
Thank you so much!
About to start my credit card journey is the chase trifecta still the way to go?
It's definitely still a viable option, especially now that they have the Freedom Rise for people with no credit history. However, you can build whatever set up you want at the end of the day!
@@SpencerJohnsonOfficial much respect for you taking time out of your day to reply back much love
Great video! Thank
What a timely video. This information is super useful to me as I just asked Chase for a credit limit increase. I forgot how picky they are about how much credit line they’ll give you based on your income, so I kinda regret asking. I only asked for 3k more, but I do want to add at LEAST 3 more Chase cards to my arsenal so I should have just been patient. Oh well. Silver lining is they’re amazing at working with moving credit lines around, so I could just do that if all else fails.
I’d be happy if I got the credit limit increase but I would be equally as happy if they declined it, or only did a partial increase, as I’d like to just open more cards in the future with Chase.
The goodest boy, hi Odin!
I don't think you made a bad decision! If you'd get a lot of good use out of a CLI, then it's not something to regret. Congrats on that CLI btw! Odin says hi as always!!
Honestly I have only asked for a CLI twice or maybe 3x before. My go to method is applying for new credit cards 😅
I've only done 1 so far with 100% success rate, so maybe I'll quit while I'm ahead 🤣 Adding new cards is definitely my preferred method.
great video! i know you said amex doesn't report utilization - but they still report on-time payments, correct? would love to understand better! :)
Thanks Brenley! And yes you're correct. The charge cards don't have a preset credit limit so they don't report utilization percentages, but do report on time payments.
Very well presented content. I was adamantly opposed to carrying debt (after paying off school loans), I didn't have credit cards. Under the advice of my mortgage broker, I applied for a Capital One. Purchased with a low % conventional loan. My current goal is to increase my credit limit overall. Great advice here. Subscribed!
Thank you so much! I'm happy to hear you've started to see the power in using credit cards responsibly. I hope my videos continue to provide value to you and thank you for the support!
So how come both my Chase freedom unlimited and US bank altitude go got a limit far below 5000😭
Just to make sure I got this 100%:
So if I use 20% of my credit
Then
My bill comes out on January 22nd
And it says
My due date is February 18th
I then
pay the full balance on February 3rd
And then
Between February 3rd and February 16th, I make 15% more charges on my now paid off card
So
Do they report the 15% I have done after I paid on February 3rd or do I have till March 16ish to pay off this new 15% so it doesn't get reported or look bad on my credit history?
What's your honest opinion about request a credit limit decrease on your first card that you don't use it anymore?
For instance, I have the Bofa Custom Cash for 11 years as my oldest card and currently have 10k credit limit on that card, instead of canceling the card I thought about request a credit limit decrease from 10k to $500 and add Amazon reload $1 per month to keep my account alive. Also, apply for more credit cards in the future.
I don't think there's a reason to ask for a decrease. You want that available credit limit to help your total utilization calculation (by having a more unused credit). With that said, they may automatically lower it due to little or no use (my oldest card did that because I rarely used it anymore). They will usually send you a letter before they cancel one, giving you a chance/reminder to use it. So I make that annual charge and put it back in the drawer. Some cards have started to really entice you with some nice offers to get you to use them again such as 0% interest charges for 6-months, better balance transfer offers, etc. So you would still want the limit if they sent you an enticing offer.
I've personally never asked for a decrease and likely wouldn't do so unless a lender started denying me for having too much credit open. You could always apply for another card with that bank and move some of that old CL to your new card, but that's a situational thing.
I have two visa signatures with 2k limit each
What is the max credit limit you can get on a chase sapphire reserve?
It technically has a minimum of $10k since it's a Visa Infinite but there's no max limit published to my knowledge.
Great breakdown
Thank you sir!
Excellent video but when are you talking about store credit cards in general and even applying for any store credit cards since that’s an excellent item to bring into the table since every everybody may have confusion and not every aware to apply or not. Thanks peace ✌🏻🤘🏻
All mayor credit cards in general are already and always burned 🔥 in fire and nobody talks and apply for store credit cards
I haven't talked too much about those cards yet, but I'll add that idea to my list! Thanks man!
Even with a hard pull it’s only on their for 2 years but for me in Australia hard enquires are there for 5 years it’s so bad!! It’s like we get punished
I just tried to go from 9k to 15k on my Amex BCE. I was denied due to a lack of income. I have the BCE at 9k, Hilton no AF at 1k, and a gold with NPSL and 10k POT limit. I only make 28k a year, and I have 9 cards with over 35k in credit, not counting the Gold card. Seems I've hit my limit with Amex at least
Can u make a video on each issuers product change rules
I'll add that to my ideas list! I've made a PC video before, but haven't covered what every lender's rules are exactly.
Hey spencer the cookie monster can you make a vid on the new freedom rise theres so much for my first time getting a chase card😜
I'll add it to my ideas list!! However, if I remember right, you already have 5 cards, so you should probably be adding higher tier cards than more starter cards. Just make sure you use the cards you have now responsibly and over time your score should rise! Until then, I'd probably wait on applying for more.
@SpencerJohnsonOfficial true whats the best ones im thinking of American express for my next one in 2 yrs cause there good
Your IG in the link isn't coming up
Got venture x few months ago with $30k.... spend about 25-30k a month. Thinking about calling getting charge card venture x
Sheesh that's a ton of spend! Charge cards would definitely be your friend... And business cards too!
My utilization overall is 2% but my Venture X gets about 10% as an individual card... so many nonbonus purchases. 😅
I get that!! Early payments are your friend.
Came a long way from 500 limit now across 5 credit cards my total is 2,050😁
5 cards and only a total of 2k. Are you rebuilding credit?
Nice!! Hopefully those continue to increase a bit while you add cards with a higher minimum credit limit to bring that total up higher.
@mazproductions2634 nope im building just applied for a job on the target site so if im selected ill update my income and my score will probably be higher soon
@mazproductions2634 and its mostly cause my income with social security is 13.836 plus money i get from my parents so around 15k income
@@Theturbobooster ohh ok gotcha yeah that’s most likely why they weren’t too generous with starting you off with a higher limit for the cards. Keep grinding brotha and climb the ranks!
Discover refuses to give me a limit increase (3k) after 3 years and my VX has went from limit 10k to 40k in 7 months
Some lenders are weird about CLIs, that’s for sure!
Man of my word, got me an Ekster wallet. Wanted the gold one but got the "FORTUNA PARLIAMENT". Used your code, Cheers.
You're awesome!! That means a ton! I hope you enjoy that wallet!!
he said that credit utilization is not reported to the bureaus, why would he report this? This percentage of utilization makes up 20 to 30 percent of your score.. wtf
In my case. I have the freedom Unlimited. Three yrs ago I started with the low limit they gave @ that time. It's still low 💯. Because chase, has changed one rule. Asking for a credit limit increase isn't a hard inquiry now 💯. I decided, to ask chase for a credit limit increase recently. I am still waiting on their decision.
I wish you the best of luck! Let me know how it goes!
Not true, AmEx reports my Gold and Platinum balances. I always pay the statement balance but I guess there are overlaps….this has been since around the time Covid hit.
Well, it's true if you use the cards as intended. If you set them to pay over time, they may report utilization, but if you use them as a charge card, they do not.
@@SpencerJohnsonOfficial I pay the statement balance in full 🤷🏻♂️. I’m new to your channel, good content, thanks!
I just cancelled a credit card with a 25k limit. Am i doing it right?
Ur crazy lol to cancel a limit like that i wish mine was 25k 😂😂
I mean, it depends on what you're trying to do. That'll hurt your score in the sense that your credit utilization will go up since you lost that credit limit, but if you couldn't downgrade the card and cancelling it was your only option in getting what you needed then I guess it could make sense to do that!
I just pay my cards on time I just let them increase it on there own I just focus on how much I spend and making sure I pay it off
That's a viable approach!
I’m in favor of just applying for a whole new card rather than requesting a line limit. But honestly at this point, I don’t even need more credit.😭 All my bills per month are still less than 1% of my total limits so if I get more, sweet but I don’t actively request limits anymore. Add my wife’s limits onto that, and we just apply for new cards, don’t really worry about limits anymore - it’s freeing.😂
Hope the next increase isnt a corn poop😂😂
I agree with you! That's my preferred method too.
I mean, isn't it good to have a big limit and use just a fraction of it?
Correct! Low utilization is best.
I have a C1 Quicksilver that is $2K they wont budge on but I have a Venture X with $30K 😂
Capital One is so annoying with their bucketing system... it's really tough to beat sometimes.
Capital One should really reconsider the bucket system, but I understand why. I started with $1500 CL on my Quicksilver, but it climbed up slowly in the last 2 years. I just keep my card active with minor purchases for when I come to request a credit limit increase. Stay strong mate
Hi spencer❤😂😅😊
Hey Pablo!
@@SpencerJohnsonOfficial thank you spencer
So do you want to make sure to have 1-2% utilization on each of your cards??
In general, that's what I aim to do on all my personal cards yes. You don't have to do that by any means, but if you make early payments to bring that utilization down, that can help your score a lot!
Appreciate the reply. My credit score is currently around 720 which isn’t great by any means but I just got a new card and wanted to make sure I’m doing it right haha.
❤
👍🏻
Thanks for always being here so early! 🥈
First 😊
You nailed it!! 👑
I’m out of the game.
He's baaaaaaackkkkk
MaxRewards…I wouldn’t recommend using this app, you are giving up all your spending habits and access to your financial accounts. Your data is already being harvested, sold snd shared (read TOU). On top of that, you have to pay to use the good features….they should be paying you to use the app :-)
I appreciate your perspective! Luckily they're encryption is basically exactly the same as Plaid, so if you trust those services, you should trust them. I've used MaxRewards longer than they've been a sponsor of the channel, but you may have missed that part. Thanks for sharing your thoughts nonetheless!
Great video! Thank you
I'm glad it was helpful!