I'm a business owner, a property management owner and operator, and I do maintenance. Business Credit was priceless for me! Credit lord from start to finish, was 100 percent a teacher, a guide, and just an amazing helper! You got to talk to them!
I'm in my mid 30s and just got my first card last week. It is a chase freedom unlimited with a $900 limit. My credit score was non existent. It is not much, but is a modest start for a journey I should have started earlier. Better late than never.
Keep at it. I started paying attention 2 years ago at 34. Score was 510... 2 years at it and hoping to break into the 700s club here really soon. Patience pays off!
You got this! I just started too and I’ve shot up a lot 2 months in, also got a personal loan that’s been helping... get a good mix of credit + get about 5 different types of credit on your name pay them faithfully and watch it go up ✅✅
@@nanc3268 if you use creditkarma... file a dispute against the collections. No downside to disputing, and I've pulled several medical debts from my report just using the dispute process. VERY easy to do, and even if it doesn't get dropped from your report the only thing you have to lose if 5 minutes of your day. Good luck!!
After watching this I went online to request a credit increase on my american express card. I had a 4k limit and they tripled to a 12k limit instantly. Thanks man!!
You don't have to have better credit or make more money. I started with $1000 credit limit on amex in less then 6 months they raise my credit limit to $7000
You don’t have to make more money... you can claim your household income as your income.. when my ex boyfriends and I were together my total income was both our incomes combined.
500 lol my first was 250. That same card I've had since I was 18 now has a limit of 25,800. They usually increase on their own as long as you are keeping them low or paid in full. Don't manually request it hurts you're score, better off signing up and getting a bonus on another card if you're doing a hard pull.
A42yearoldARAB Hey there, reach out to ray_consult on Instagram he helped me boost my credit score to the best figure he also did same for my friends his a pro you should check on him if your needing help.
Yeah I screwed up with navy Federal after a divorce and put them in a bankruptcy....now I can never get credit with them ..I really screwed the pooch with them
Yea Navy federal gave me a really high limit. I applied and was denied at first so I got a self lender account , and I was approved for a capital one. The limit was so small lol but I took it and worked on it. Because if that it helped my credit and I believe that’s what made me finally get approved for navy fed with such a high limit. I’m still working on increasing the capital one since it was so low. All in all I’m satisfied.
Myke Sng I can assure you that’s not true. Have a CSR, Amazon Prime, Freedom Unlimited, Hyatt, and slate. 80k in limits across all cards. I have a checking and savings account with chase. Pretty sure I can tell you. That they probably pulled an agency that you are watching
Brian, I love you man, but that freakin' cup with the green straw and the lack of focus on you is driving my attention deficit disorder off the roof! LOL
Great Video. I have a Bank of America with $42,000 limit and a few other cards with $30,000 limit. I've been ramping up my business cards lately. Keep up the videos bro. I'm learning from you!
My wife and I never asks for credit limit increases, but her card automatically increases every two years. She now has a credit limit of $14k on each card; while, mines is stuck at $6500 each card and never increases itself (we both have same cards). And I’m more financially responsible than her and keep a low utilization. I also have a slightly higher credit score than her in the low 800’s. I’m petty af, so I won’t go beg the bank to increase my credit limit. If they don’t acknowledge my financial responsibility or want my business, then so be it. I’ll go get it somewhere else. 🤷🏻
Don' use credit, use a debit card/bank account and only buy what you can afford. Ive been doing this for over 40 years and out right own my home, cars, toys etc.
Great Video Brian, thanks. One small detail IMO you didn't mention or emphasize enough is the fact that requesting limit increases usually involves a "Hard Inquiry" that can effect one's credit score, even though it is considered a "Low Impact" on your overall score. this category can remain on your record up to two years. Also, if you have let's say nine or more of these Hard Inquiries, it can raise red flags. Just a thought, thanks again for a great video!!!
He is right about Amex. I have an Amex every day card. Started with a 10K limit. Within a year they bumped it up to 33K. Then I changed jobs where I was able to use my personal card for business expenses and they re-imburse me. (think mega rewards points) I wanted to keep my business expenses separate from my personal finances so I called Amex and I got the Delta Platinum card. They started me off with a 20K limit and did not even pull my credit. Pretty amazing.
I just requested for a credit increase and was denied. My credit is top tier. Come to find out I was at the highest limit for that card. Smh Wish the associate checked before running my credit.
Bro it’s because of you, I’ve went fr a 6k credit limit to a 18k credit limit in 6 months w/ Amex. In 6 months, I requested a triple increase and I was immediately granted. I also have a personal savings account as well as a blue business plus credit card w/ Amex. Thanks Again, Mann! Whenever you get a chance, I would love for you to do a breakdown video of Amex blue business plus cc.
Good for you bro. I asked for an increase cl I WAS DENIED. YHEN I TRIED GETING A LOWE APR ALSO DENIED BY AMEX WAS LIKE OK I GUESS I WILL STOP USING AMEX. I HVE HAD THAT CASH REWARDS BLUE CARD FOR OVER 3 YEARS.
Don't be late or they will close, I was late one time and even though I paid off and had $0 balance one time they closed it. Just information about my experience, God Bless you and your family.
You can dispute all collections. I got all my 15 collections removed in 2 months! And non account holding inquiries. Here's great youtube channels that teach how to do it
I know it's off topic but could you make a video on how medical bills impact your credit score and can you get denied for a credit card if you have unpaid medical bills?
Barclays , Capital one venture, Chase (obviously), amex, seems like everyone gives up limits between 15k-50k each if you ask them. Except discover, b of a is picky..... going to give US Bank and Citi some apps for business cards
I just got the Apple Card and love the benefits even though it’s not the best for rewards. It’s my 1st rewards card though and I got a decent credit limit not 10k though haha.. This is making me curious since you say chase sapphire starts at 10k or was it the reserve card? I’d think the applicants would need a high score to qualify. Also, my current card can increase by a soft pull. That’s not going to be on my report or affect my score right? Just double checking. I took a slight hit on my score 5-10 just for the Apple Card which is an awesome looking card! 💳
Found your channel recently and this is the first video I hear you mention Navy Federal. Do you have more insights you could share about them and their cards?
Don't get Capital One's credit card. I have 5 cards and that one is the lowest ($500). When I asked for an increase, they said I don't spend enough. Which is fuckin crazy considering that's a GOOD thing.
What you need to do is use about 400 from the capital card every month and pay it off by the due date. Pay whatever bill's you have. That's what they mean when they say you do not spend enough.
Hmmm, was expecting to hear something new. I can’t figure out why capital one won’t give me a bigger limit on my oldest card (12 years of use with 2k limit). 750 Fico, 100k+ income my other cards have 16k+ limits. I would cancel it but it’s my oldest credit cars. Only thing I can think of is because I hardly use it,but I hardly use it because the limit is soo low.
@@DB-jj8hb Omg me too! Reduced credit limit was made on 4/24/2020, I just found out 5/14/2020!!!! The credit card company never contacted me! I got a "credit alert" $10K gone! 😥
I had two cards with 12k and 15k limits cancel them with 10 + years of perfect payments and the others keep lowering the limits every time i reach a thousand dollars less. I’m pissed to say the least
When applying for a credit card that’s based on your current credit score, is your FICO or Vantage score taken more into consideration for an approval/denial??
Thank you for the video first of all good information Capital one has been my card however, I am in the rebuilding stage of my credit history so therefore I have to be patient regarding increases. Again thank you.
The amount of people “bragging” about their credit limit is absolutely horrendous. Stop using credit cards and pay with what you have. If you don’t have it you can’t afford it. America has a spending problem. Get outta debt and start thinking about the days you retire. You wanna have all this debt then too?? Ask rich people how they got rich. It wasn’t through debt.
Josh Key They have the most debt only difference is they’re using it to bring in residual income. It’s called good debt. Look it up they acquire assets with credit. The poor minded wouldn’t understand.
Ray 2wavy ther is literally nothing good about debt. All you are is a slave to the people you owe money. Saying it’s good debt is idiotic. Your asking broke people how thy make money and guess what. There broke. They life paycheck to paycheck. Stop keeping up with the Jones. There broke. Maybe you should take a listen to Dave Ramsey. It would do you some good about the myth of good debt. Which is false.
B T I’ve been requesting through the app but, I’m going to start calling to make sure it’s a soft pull on my credit. It took about two years. They usually counter my high request for instance, my last jump was from $19,000 and I requested $30,000.
If you have or know someone with a Costco membership, you can apply for a citi Costco Visa card. They give them out to anyone pretty much. The rewards are good. Or try the discover it cash back card, they have been known to give those things out too. 0 annual fee on both, if you don’t count the Costco annual membership
My score is fair I paid a couple of bills that were sent to collections and I am paying on time and making my payments over the minimum pay, however I tried a few times to apply for new credit and I have been denied due to DELINQUENCY. How do I make the change on my credit report ? I'm paying high interest on my Capital one and I want to consolidate my cards to one with low interest but my report won't allow me. I hope you read my message and thank you for your advice
I have 7 cards in my arsenal, and they are as follows: 1 Chase - Freedom UL, 2 Citi - Double Cash/Rewards + , 3 Cap Ones - QS, Savor One, Venture One, and 1 Discover. I have the highest amount of credit with Cap One by far. As a matter of fact, I have more combined Credit with them then my other issuers combined. I have a good relationship with them and have maintained that. They have also given me the highest CL increases (like 6x original amount on one). Discover would be next with CL increase amount availability.
I love this guys advice on how to get credit line increases "Have good credit". Excellent advice. Its just funny how "having good credit" often comes down to the crapshoot that life is sometimes. Some of us have parents who stole thousands of dollars from us and maxed out a credit card. Some of us have parents who bought us our first house. Sometimes you blow a transmission and need to charge it, then get laid off after 4 years. Its just all a matter of perspective and basically, luck. Be born into a shitty situation? Well, screw you. Thats life I guess. Be put in a position to fail from the moment you turn 18? Oh well. Just hey "Have good credit".
This is a great video. Having good credit, though, can definitely boil down to what life has thrown at you...divorce, a lay-off, having to take a medical leave from work etc...I noticed that in the begjnning of the video, the guy mentioned that having good credit is having self - control. That's simply not always the case. Sometimes LIFE happens...forcing you to re-build...
WOW! You are really an angel for sharing this, do you have direct connect? I have $25,000 in credit card debt. And my goal is to be paid off before April 2022. I can’t wait to be credit card debt free!
I told AMEX that we had been laid off at work 10 years ago. American Express cancelled me. Always be careful what you tell them. By the way on the spot cancelled right after I spoke the words lay off after 20 years no problems with us.
phillip mulligan that’s because AMEX is a charge card not a credit card. You HAVE to pay it off at the end of every month. If you have no incoming coming in, how do you plan it pay it off? AMEX did the right thing IMO.
This website has not been reachable due to the pandemic covid-19 but you can reach out to this dude on instagram he helped me with mine his a great partner, i got like 5 soft pulls out from him and some inquiries removed got his referral from a freind and he did a good job i must say. His handle on instargram is chrishacks400 my 1st car i bought was with his CPN and he did for 2 others, don't miss out!!
Navy Federal has been most generous, and I’ve their Flagship card. Started with an initial limit of $7.5k, and about two years later I’m at $35k. American Express follows with an initial $1k two years ago with the Blue Magnet. I now have both the Gold and Platinum personal cards with spending power of about $20k. I paid my bills on time, occasionally carried a limit, and only request increases every six months.
I should say... A strategy I’ve found helpful is mentioning that I never let my utilization on individual cards exceed 10 percent. Mentioning that has occasionally turned a “no” into a yes. Since my payment and credit history show that it helps. I then mention that a low limit prevents me from making a purchase. That one-two punch - along with the previously mentioned - helps a lot... An annual income of $145k is a boon too.
![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)
Check out this video next (3 Ways To Get Instant Approval For Credit Cards) 👉 ruclips.net/video/eBxprU4EKIU/видео.html
Do you need a chase bank account in order to apply for the freedom unlimited or the Sapphire preferred
I'm a business owner, a property management owner and operator, and I do maintenance. Business Credit was priceless for me! Credit lord from start to finish, was 100 percent a teacher, a guide, and just an amazing helper! You got to talk to them!
credit and loans are fickle beasts. the less you need it, the easier it seems to get. if you need it, nobodys willing to lend it.
Facts!!
Andy Kapsar makes sense
Duh
Andy Kapsar well duh? if you need it it shows you might have money problems and therefore might not be able to pay off your balance 😐
You speak the truth brother.
CREDIT LORD TOTALLY ROCKS.
shadiest website ive ever seen lol
No other aside guild💨unlocks
I'm in my mid 30s and just got my first card last week. It is a chase freedom unlimited with a $900 limit. My credit score was non existent. It is not much, but is a modest start for a journey I should have started earlier. Better late than never.
Keep at it. I started paying attention 2 years ago at 34. Score was 510... 2 years at it and hoping to break into the 700s club here really soon. Patience pays off!
You got this! I just started too and I’ve shot up a lot 2 months in, also got a personal loan that’s been helping... get a good mix of credit + get about 5 different types of credit on your name pay them faithfully and watch it go up ✅✅
@@nanc3268 if you use creditkarma... file a dispute against the collections. No downside to disputing, and I've pulled several medical debts from my report just using the dispute process. VERY easy to do, and even if it doesn't get dropped from your report the only thing you have to lose if 5 minutes of your day. Good luck!!
Can you cash out the 900?
@@eddylucas7150 I doubt I could take out the entire limit as cash all at once. Even if I could it would tank my credit score in usage.
Gratitude 🙏 guild💨unlocks
Excellent’o Guild💫Unlocks❤️
After watching this I went online to request a credit increase on my american express card. I had a 4k limit and they tripled to a 12k limit instantly. Thanks man!!
lol you really went ahead and asked to have it increased?? i would throw away that credit card if i was u.
@@thesurvivor4028 I Watch Dave Ramsey a lot too but I don’t have the same views as him 😜
At least not when it comes to utilizing credit for business 😌
@@thesurvivor4028 shut up
Good Job Guild♈️unlocks⚛️
Nice Job Guild♈️unlocks⚛️
😘
💠♠️
Reason #1 I want a higher credit limit so I can keep utilizing under 10-20% on each card
Reason #1.5
REWARDS AND CASHBACK FOR ESSENTIALS!
groceries gas restaurants to name a few
So true!
1,000 hahaha more like $200 limit. We come from hell and pain but I will break the family's curse of poverty
300
I know that pain! They should be teaching this in school
I started with a $300 limit myself, I will get us out of poverty, already up to $8600 now.
@@ceruleansky6670 Make sure your requesting credit limit increases every 6 months you can do it online for most cards
Good luck. Keep spend MAX $20 on that card to keep your utilization low.
That clock is straight out of my high school
CLINT-THE-GREAT haha
Schools OUT for the summer big dogg
Must’ve hit a devious lick
step 1. Have better credit
step 2. Make more money
Ah I clicked just to write that but you beat me.
Step 4. Establish a long credit history.
You don't have to have better credit or make more money. I started with $1000 credit limit on amex in less then 6 months they raise my credit limit to $7000
Thank you
You don’t have to make more money... you can claim your household income as your income.. when my ex boyfriends and I were together my total income was both our incomes combined.
Credit is just a game that not everyone knows how to play...
Life is a game.......
Well try derickwalker454 on Instagram he is good and legit I got good credit score without my bank notice by him
Rapheal Jewel what did he do?
I know how to play it well. I have 175k available credit 😎
@@julian24stg16 I bought some credit card from *Ericroboti* on telegram and it was real and all his card were valid💯✅
Dayum 10k 30k credit limits, all I need is to go from $1300 to $5000 for emergency car repairs and maybe some dental work.
💳🔝🆙💰
yo 100k is gonna happen for you in 2020. Ill be here dec 2020 congratulating you bro
Comment aged well
Blew by it.
Guild⚡️unlocks is amazing❣️
Wow that’s low on the CSP...I had a solid score. I think 700 and Chase gave me a 21k CL initially. My highest limit of all my cards. Was speechless.
500 lol my first was 250. That same card I've had since I was 18 now has a limit of 25,800. They usually increase on their own as long as you are keeping them low or paid in full. Don't manually request it hurts you're score, better off signing up and getting a bonus on another card if you're doing a hard pull.
A42yearoldARAB Hey there, reach out to ray_consult on Instagram he helped me boost my credit score to the best figure he also did same for my friends his a pro you should check on him if your needing help.
Chase cards.
Amazon prime card. $10K
Chase freedom unlimited. $16.3K
CSP $14.4K
🤷🏿♂️
“The only other reason you would want a higher credit limit Is for the flex” 😂
Navy federal really is the goat! Do right by then and they do right by you
And you're right 👍🏽👍🏽
They gave me a $20k credit limit for my first credit card 😬
@@Rawrenzify Yes, I agree. NFCU is King. First Amex Card $25K limit.
Yeah I screwed up with navy Federal after a divorce and put them in a bankruptcy....now I can never get credit with them ..I really screwed the pooch with them
Thanks to *Creditshow* on telegram for the fresh cc you are such a great Carder💯
Thank you for putting the drink close to the camera... I’m sure I wasn’t the only one who took a sip 🥤
# Drink The Kool-Aid
Yea Navy federal gave me a really high limit. I applied and was denied at first so I got a self lender account , and I was approved for a capital one. The limit was so small lol but I took it and worked on it. Because if that it helped my credit and I believe that’s what made me finally get approved for navy fed with such a high limit. I’m still working on increasing the capital one since it was so low. All in all I’m satisfied.
Same here!
Had CF for 9 months with $4500 limit and recently applied for CSP they did no pull and gave me limit of $13.5k 🙌🙌 long live chase 😬😬
You killed it
How did u get that WITHOUT a pull?
Myke Sng I can assure you that’s not true. Have a CSR, Amazon Prime, Freedom Unlimited, Hyatt, and slate. 80k in limits across all cards. I have a checking and savings account with chase. Pretty sure I can tell you. That they probably pulled an agency that you are watching
Is it easy to get???
Does your income have to be really high to get these high limits because Chase just won't give me a card and I'm with Chase for about 6 years😕
I like how everybody has 40-50 thousand dollar limit and a score of 780. Yeah! Right!
Eric Nunemaker lieing to people they don’t even know
The running scene caught me off guard I spilled out my strawberry shake 😂😂 that was hilarious
Yeah I rewind it 8X’s to watch grown men chase a midget in the woods. Lol what movie is this?
@@BigWood0397 lol its wolverine
@@emincey7108 oh wow I didn’t recognize that scene but it’s hilarious
Brian, I love you man, but that freakin' cup with the green straw and the lack of focus on you is driving my attention deficit disorder off the roof! LOL
Haha my bad bro 😅
Omg I can’t unsee the cup now lmao 😆
THE CUP AND THE STRAW SITTIN IN ON THE INTERVIEW 😯🤣🤣🤣
@@ijustfollowthesun :
Now I can't see beyond the green straw.
Great Video. I have a Bank of America with $42,000 limit and a few other cards with $30,000 limit. I've been ramping up my business cards lately. Keep up the videos bro. I'm learning from you!
$42,000 CREDIT LIMIT ON A SINGLE CREDIT CARD? WHICH CREDIT CARD IS THAT?
A bank of America card. Subscribe to the channel as I plan on revealing more card info soon. And I also revealed some other new cards recently.
@@BudgetBill B OF A is trash
Jesus F. Big deal, I got a 100K credit limit from Citi
Mr Yusuf I had to work very hard for 15 yrs to get that 100k credit limit
My wife and I never asks for credit limit increases, but her card automatically increases every two years. She now has a credit limit of $14k on each card; while, mines is stuck at $6500 each card and never increases itself (we both have same cards). And I’m more financially responsible than her and keep a low utilization. I also have a slightly higher credit score than her in the low 800’s. I’m petty af, so I won’t go beg the bank to increase my credit limit. If they don’t acknowledge my financial responsibility or want my business, then so be it. I’ll go get it somewhere else. 🤷🏻
Don' use credit, use a debit card/bank account and only buy what you can afford. Ive been doing this for over 40 years and out right own my home, cars, toys etc.
I have a 23k limit in between my 7 CC, my goal is to reach 10K on each to have 70K in limit. Why? Because I want old man credit lol
Great Video Brian, thanks. One small detail IMO you didn't mention or emphasize enough is the fact that requesting limit increases usually involves a "Hard Inquiry" that can effect one's credit score, even though it is considered a "Low Impact" on your overall score. this category can remain on your record up to two years. Also, if you have let's say nine or more of these Hard Inquiries, it can raise red flags. Just a thought, thanks again for a great video!!!
Credit card companies want u to max ur cards out and pay the minimum balance. That’s like 90% of there revenue. They really win either way.
He is right about Amex. I have an Amex every day card. Started with a 10K limit. Within a year they bumped it up to 33K. Then I changed jobs where I was able to use my personal card for business expenses and they re-imburse me. (think mega rewards points) I wanted to keep my business expenses separate from my personal finances so I called Amex and I got the Delta Platinum card. They started me off with a 20K limit and did not even pull my credit. Pretty amazing.
I took out a loan and paid it back. This is how I built my credit. I have a 800 score now.
I just requested for a credit increase and was denied. My credit is top tier.
Come to find out I was at the highest limit for that card. Smh
Wish the associate checked before running my credit.
Bro it’s because of you, I’ve went fr a 6k credit limit to a 18k credit limit in 6 months w/ Amex. In 6 months, I requested a triple increase and I was immediately granted. I also have a personal savings account as well as a blue business plus credit card w/ Amex. Thanks Again, Mann! Whenever you get a chance, I would love for you to do a breakdown video of Amex blue business plus cc.
Good for you bro. I asked for an increase cl I WAS DENIED. YHEN I TRIED GETING A LOWE APR ALSO DENIED BY AMEX WAS LIKE OK I GUESS I WILL STOP USING AMEX. I HVE HAD THAT CASH REWARDS BLUE CARD FOR OVER 3 YEARS.
Jesus F. - What was the credit limit you currently have, and how much increased you’ve asked? Were u steadily on time for 6 months?
@@BrJD-ii4iv $10,000 currently. Yes i ha enever been late on my account. Yer i was still denied.
thank you guys
Found the video I need!!! For me Discover doubled my limit in less than a year.
Don't be late or they will close, I was late one time and even though I paid off and had $0 balance one time they closed it. Just information about my experience, God Bless you and your family.
@@HaywoodHomestead Truth.
You can dispute all collections. I got all my 15 collections removed in 2 months! And non account holding inquiries. Here's great youtube channels that teach how to do it
Me too! 🧐
I know it's off topic but could you make a video on how medical bills impact your credit score and can you get denied for a credit card if you have unpaid medical bills?
Why would you buy a iPhone on credit?
Barclays , Capital one venture, Chase (obviously), amex, seems like everyone gives up limits between 15k-50k each if you ask them. Except discover, b of a is picky..... going to give US Bank and Citi some apps for business cards
Awesome speaking skills. As a lawyer I'm really familiar with speaking skills and yours are the best.
Brian, you did not give any info on how to increase your credit limit. You just said why someone should get an increase.
Exactly
I just got the Apple Card and love the benefits even though it’s not the best for rewards. It’s my 1st rewards card though and I got a decent credit limit not 10k though haha.. This is making me curious since you say chase sapphire starts at 10k or was it the reserve card? I’d think the applicants would need a high score to qualify. Also, my current card can increase by a soft pull. That’s not going to be on my report or affect my score right? Just double checking. I took a slight hit on my score 5-10 just for the Apple Card which is an awesome looking card! 💳
That clock is looking freaking
*CRIIISP*
Clock review channel if you ask me.
Found your channel recently and this is the first video I hear you mention Navy Federal. Do you have more insights you could share about them and their cards?
Don't get Capital One's credit card. I have 5 cards and that one is the lowest ($500). When I asked for an increase, they said I don't spend enough. Which is fuckin crazy considering that's a GOOD thing.
Exactly! They told me the same thing. Smh
Same here 😆
It's a good thing for you, not for the credit card issuer.
What you need to do is use about 400 from the capital card every month and pay it off by the due date. Pay whatever bill's you have. That's what they mean when they say you do not spend enough.
Emergencies are a reason to have them. Use the card pay it off with cash, build your credit score, history and get cash back and or perks.
i had to raise my balances just so i could do all my spending on the cards rather than a debit card
I have a problem with American Express' annual fees..so i've been a bit hesitant to get one. My other cards serve me just as well and no annual fees
There are AMEX cards with no annual fees.
Chase business preferred 26500
Chase sapphire 16500.
Chase business unlimited 20k
I should grab a American Express
Yes
🤟
What's your business reported annual rev? I only have 10k but i've had the card for 4 months and mine is 40k revenue right now. Thanks!
Hmmm, was expecting to hear something new. I can’t figure out why capital one won’t give me a bigger limit on my oldest card (12 years of use with 2k limit). 750 Fico, 100k+ income my other cards have 16k+ limits. I would cancel it but it’s my oldest credit cars. Only thing I can think of is because I hardly use it,but I hardly use it because the limit is soo low.
Just remember that a business credit card goes by your personal credit history! They also usually require proof of income.
Absolutely not true at all
LMAO at 1:24 (Run Off With The Money)
🏃🏾♂️💨 ran off on the plug ..
Credit companies are reducing limits due to Covid 19 😔. Yes, thats with great pay history and credit!
Had a 20K credit card I hadn’t used in a year get cut 😩
@@DB-jj8hb Omg me too! Reduced credit limit was made on 4/24/2020, I just found out 5/14/2020!!!! The credit card company never contacted me! I got a "credit alert" $10K gone! 😥
Thanks to *Creditshow* on telegram for the fresh cc you are such a great Carder💯
D B Thanks to *Creditshow* on telegram for the fresh cc you are such a great Carder💯
I had two cards with 12k and 15k limits cancel them with 10 + years of perfect payments and the others keep lowering the limits every time i reach a thousand dollars less. I’m pissed to say the least
What credit should I have before I apply for the Chase Sapphire Preferred?
Soon as he said have a good credit score I stopped the video and moved on .
John Brown well at least you know what needs work
Lol...right with you bro
Thanks to *Creditshow* on telegram for the fresh cc you are such a great Carder💯
Dead beat
🤣🤣🤣🤣🤣🤣🤣 facts
When applying for a credit card that’s based on your current credit score, is your FICO or Vantage score taken more into consideration for an approval/denial??
Fico is the only one banks use. Vantage is more for when you check your own score for free, although you can also get your fico score for free
@@jimibones178 Thank you sm.
Fico
Thanks maxline am glad I came to you 🥰
I need help 😢 on my credit.
Thank you for the video first of all good information Capital one has been my card however, I am in the rebuilding stage of my credit history so therefore I have to be patient regarding increases. Again thank you.
Do you suggest going for a business card or personal first when you apply? Obviously the less credit pulls, the better
The amount of people “bragging” about their credit limit is absolutely horrendous. Stop using credit cards and pay with what you have. If you don’t have it you can’t afford it. America has a spending problem. Get outta debt and start thinking about the days you retire. You wanna have all this debt then too?? Ask rich people how they got rich. It wasn’t through debt.
Josh Key They have the most debt only difference is they’re using it to bring in residual income. It’s called good debt. Look it up they acquire assets with credit. The poor minded wouldn’t understand.
Ray 2wavy ther is literally nothing good about debt. All you are is a slave to the people you owe money. Saying it’s good debt is idiotic. Your asking broke people how thy make money and guess what. There broke. They life paycheck to paycheck. Stop keeping up with the Jones. There broke. Maybe you should take a listen to Dave Ramsey. It would do you some good about the myth of good debt. Which is false.
Ain't no way I'm gonna apply for the chase sapphire reserve 😂 that annual fee is more then my annual car insurance lmao
Seriously
300 annual credit
@@thelostone777 it's up to $550.
What car do you drive? You must not live in Cali for sure
My Annual Car insurance is about $1700
I started with $2000 on my Navy Fed and request an increase every 6 months. Now at $25,000 and looking to apply for Chase and AmEx business cards. 👁
Did you request online or call? How much were the increases? How long did that take to get to $25,000?
B T I’ve been requesting through the app but, I’m going to start calling to make sure it’s a soft pull on my credit. It took about two years. They usually counter my high request for instance, my last jump was from $19,000 and I requested $30,000.
I applied for a chase sapphire card and was instantly denied 😂🙃
What was your score?
it has a $550 annual fee, fuhhh all that
@@Enkies the reserve card does. The sapphire has a $99
@@twdjt6245 not good lol.
If you have or know someone with a Costco membership, you can apply for a citi Costco Visa card. They give them out to anyone pretty much. The rewards are good. Or try the discover it cash back card, they have been known to give those things out too. 0 annual fee on both, if you don’t count the Costco annual membership
Does the credit card company pull a hard inquiry or a soft one when deciding whether to approve for a credit limit increase?
Felix Shraga depends on the financial institution, I would ask them before they check
Hard
Usually hard
Hard inquiry
Hay brain I really love your vids they are really awsome I always come to watch I just want you to know I appreciate your time and effort
Hey George I really appreciate this comment man. Thank you.
No problem bro
I really thought you were talking to yourself since you said "brain" and not "Brian"
My score is fair I paid a couple of bills that were sent to collections and I am paying on time and making my payments over the minimum pay, however I tried a few times to apply for new credit and I have been denied due to DELINQUENCY.
How do I make the change on my credit report ?
I'm paying high interest on my Capital one and I want to consolidate my cards to one with low interest but my report won't allow me.
I hope you read my message and thank you for your advice
Out of that 10,000 you can only use 500 to keep it responsible.
I hope this will make people change. That's why I want you to know I'm starting with the man in the mirror
You speak so beautifully....
Haha thank you
GUILDU NLOCKS NET ON GO*OGLE
could u make a video on which bank is the best to bank with and eventually get a credit card with them
I have 7 cards in my arsenal, and they are as follows: 1 Chase - Freedom UL, 2 Citi - Double Cash/Rewards + , 3 Cap Ones - QS, Savor One, Venture One, and 1 Discover. I have the highest amount of credit with Cap One by far. As a matter of fact, I have more combined Credit with them then my other issuers combined. I have a good relationship with them and have maintained that. They have also given me the highest CL increases (like 6x original amount on one). Discover would be next with CL increase amount availability.
I love this guys advice on how to get credit line increases
"Have good credit". Excellent advice. Its just funny how "having good credit" often comes down to the crapshoot that life is sometimes. Some of us have parents who stole thousands of dollars from us and maxed out a credit card. Some of us have parents who bought us our first house. Sometimes you blow a transmission and need to charge it, then get laid off after 4 years. Its just all a matter of perspective and basically, luck. Be born into a shitty situation? Well, screw you. Thats life I guess. Be put in a position to fail from the moment you turn 18? Oh well. Just hey "Have good credit".
This is a great video. Having good credit, though, can definitely boil down to what life has thrown at you...divorce, a lay-off, having to take a medical leave from work etc...I noticed that in the begjnning of the video, the guy mentioned that having good credit is having self - control. That's simply not always the case. Sometimes LIFE happens...forcing you to re-build...
You shouldn’t have to use credit for emergencies if you save for them. You obviously don’t put money up and live check to check.
How do I get a credit limit increase on Social Security to improve my credit availability?
Go back to ur profile in the income box and inceease it to around 2000. ,i never put my ssi income. ,, its stated uncome anyways
Brian, You've made references to business cc's. Are you getting these cards with your business EIN? Or personal ssn?
My score just reached 685. And I requested capital for credit limit increase but got denied.
This has been very great information. Thank you very much
I need to know step by step on how to apply for no doc business and personal credit cards
Yeah me too lol
What link is it for applying for a business credit card without having a business?
1million!! Congrats Brian 🥳
WOW! You are really an angel for sharing this, do you have direct connect? I have $25,000 in credit card debt. And my goal is to be paid off before April 2022. I can’t wait to be credit card debt free!
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I subscribed because I like the way you speak. Lol.
I told AMEX that we had been laid off at work 10 years ago. American Express cancelled me. Always be careful what you tell them. By the way on the spot cancelled right after I spoke the words lay off after 20 years no problems with us.
phillip mulligan that’s because AMEX is a charge card not a credit card. You HAVE to pay it off at the end of every month. If you have no incoming coming in, how do you plan it pay it off? AMEX did the right thing IMO.
@@tonyt3281 not every AMEX is a charge card. The blue cash & cash card are credit cards.
Great tips Brian, will definitely be putting some of these into practice!
Awesome!
Very informative, clear, and concise.
🌷Hi Brian, I love your videos!!!!
Thank you for sharing your knowledge with us.
This website has not been reachable due to the pandemic covid-19 but you can reach out to this dude on instagram he helped me with mine his a great partner, i got like 5 soft pulls out from him and some inquiries removed got his referral from a freind and he did a good job i must say. His handle on instargram is chrishacks400 my 1st car i bought was with his CPN and he did for 2 others, don't miss out!!
Will this be a hard or soft inquiry on your personal credit?
Navy Federal has been most generous, and I’ve their Flagship card. Started with an initial limit of $7.5k, and about two years later I’m at $35k. American Express follows with an initial $1k two years ago with the Blue Magnet. I now have both the Gold and Platinum personal cards with spending power of about $20k. I paid my bills on time, occasionally carried a limit, and only request increases every six months.
I should say... A strategy I’ve found helpful is mentioning that I never let my utilization on individual cards exceed 10 percent. Mentioning that has occasionally turned a “no” into a yes. Since my payment and credit history show that it helps. I then mention that a low limit prevents me from making a purchase. That one-two punch - along with the previously mentioned - helps a lot... An annual income of $145k is a boon too.
Good
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Why would you recommend a card with a $550 annual fee that's insane
Ashlie Neevel the perks offset the fee. Plus added benefits are well worth it
Do you work for CHASE ?? You keep promoting them !!!