So right after watching this vid, i was screwin around on my phone so i hit the NASA credit union site and did the pre-qual. Within a couple minutes it showed i was approved for their card with a $5000 CL i had never heard of this credit union i was really surprised lol. Kudos to the author of this video, Cal, the guy has really done his homework 👍👍
It's one of the number one credit unions in the world it's in Washington, DC where NASA is actually located I know I have them and have never had any issue love them and consider yourself apart of the NASA club 🎉
wow thank you! I just watched this video and applied for the X1 card and got approved with a 3k credit limit then did the apple credit card one with an ipad in my cart when applying and got approved for a 6k credit limit with them.
Chase is lowering limits right now. Had a card that I used a lot and never rarely carried a balance, got a email wanting me to contact them. So I called and they lowered my 3000.00 limit to 500.00. Several other people I have came across is also having the same thing happen to them. Just a heads up
Airline cards, specifically from Citi in my experience, may have high limits because you need high limits for business class travel and credit holds when the travel agency screws up. I used over $5000 in additional temporary authorizations while booking a $3000 trip once. My Citi AA Platinum Select (a mid-tier card despite the fancy name) limit is higher than my CSR. Synchrony-issued cards and Capital One (except VX) are to be avoided if high limits are your goal. Synchrony actively reduces limits and Capital One simply starts too low. I have no data on Barclays cards.
I did the Apple card application 3 days ago. Froze Transunion after getting the offer and took $2000, without the hardpull. I will also build that up in a few months.
I enjoy most credit videos however if any of the youtubers were really helping it would be nice to know what's your current fico scores how much available credit you had at time of applying did you have 4 chase 3 Amex and your have a 70k available card the videos are great but if there were no soft pulls people would have 100 inquiries
X1 is asking for my ssn to do a soft pull. Soft pulls CAN appear on your credit report. You won't know until it happens. It may not affect your score like a hard pull, but it indicates you are shopping for credit.
They all do at least a soft pull. Soft pulls go on your credit without affecting your score and only you can see it. Other companies do not have access to your soft pulls
I love the Apple Card but it’s missing a couple of features that prevent it from being my number one financial tool. If they had a balance transfer feature it would be awesome.
on my chase app, I'm approve for Chase Sapphire preferred and reserve but i'm not paying that reserve annual fee not worth it, the preferred is the way to go, Chase said because of my relationship with chase they were able to customize options that fit how I bank, the used my credit journey to customize my offer just wondering should I get it, I already have the Chase Freedom and unlimited cards, I have Navy Fed flagship, Capitol one Savor one, Discover card, Apple card, Citi Bank etc...
After getting the soft pull offer, always freeze all of your credit accounts before accepting the final offer. I did that and it did not do a hard pull for me and I received $4,500. So sorry that happened to you.
Good. Confused tho about once thing. If I freeze accounts from hard pulls, doesn’t that make not being approved more likely since most cards want to do a hard check for final approval?
VERY insightful, up to date CC information... I tried a free inquiry on several of my accounts and they all worked. Then I tried a preliminary soft pull , applying for a specific card. Viola , results....
Update -my scores are now between 738 to 753 Will I be approved for a chase freedom unlimited? Plus I work a full time job That pays $40k salary it says im pre- approved on the app credit history 2years
Yes, I after seeing the credit limit on Apple Card, I froze my transunion credit score, went back to apple and accepted the card. I kept my credit frozen for a month. After having the Apple Card for 2 months they finally did the credit hard pull 2 months after. I’m sure Apple figured out the this hack after so many attempts 😅.
Dont freeze credit reports before applying it makes u look sketchy to the lending institutions and a high risk it makes no sense if they cant see you info why would they give you a line of credit, i have never froze my credit and im up to 50k in ccs unsecured
Generally yes but the US Bank Altitude Reserve Infinite Visa can be approved for less. I've seen many data points on the myfico forums which show approvals between 5 and 10k.
I’m shooting for a chase biz card as I have over 700 score, 5k in chase account and a llc I’ve had for about 4 months. If I get denied I wanted to know if I should go apply for multiple credit cards in one day while my score is high. I need 10k working limit for my business
Spot on! I destroyed my credit when I was 26 back in 2010. I went from a 757 credit score to a 580. Took a lot of research, hard work, and time, but I now have a 828 FICO score. *Top phase resolution* is exactly what you need to do to hit a 800 credit score.
Hey so i’m just getting into the credit card game just turned 20, I got a discover secure credit card about 5 months ago and yesterday I just added the apple card to my collection. Unfortunately when I was a in my teens I got my Chase checkings acc closed do you think this will affect me applying to their credit cards and if so do you think after a year or two of building my credit I should give it a shot ?
people keep applying for credit cards and they never pay the banks! In USA, you can apply credit cards easily even you are a non-US citizen or non-resident!!! I’m afraid the banks will be bankrupt!
hey cal, onmy chase app i dont see the just for you, but i do have a pre approval for two of chase cards, is that the same, can i apply there and see my credit limit?
Good evening..Quick Question, do I have to already have a Chase account to be able to get to the just for you option?.That would be great to see ahead how much of a credit limit I would qualify for..
Is NASA a Credit card or charge card? How would you prove that you joined American Consumer Council? I joined for lifetime membership but have not gotten my member number in email.
Spot on! I destroyed my credit when I was 26 back in 2010. I went from a 757 credit score to a 580. Took a lot of research, hard work, and time, but I now have a 828 FICO score. *Top phase resolution* is exactly what you need to do to hit a 800 credit score.
The chase is not so good I have a chase 10k and you owe them 500 even before you start using it and every month they charge the card 125-135 so it’s up to you to take it and even if u owe 2k an it and even if 3 months you don’t use the as long as you owe them they will charge your card every month until you pay off everything not too good
Cash is king Never had a credit card If you can’t buy it with cash don’t need it. I buy houses with cash car with cash etc. Don’t most people make 15-20k a month????
But why would yall want such a high credit limit it makes sense if you're rich and can pay it right back, but having such a high limit when a lot of yall probably dont even make 3k a month is gonna lead to debt if you don't have the money to pay it
I agree!! That’s pretty scary to get a high credit limit! If I decided to get a credit card soon,we’ll I will definitely make sure it’s not that much money! I wouldn’t want to mess up my credit score which is pretty high in the 7 hundreds!
If you smart you pay your bills with a new card if thdme card says spend a certain amount like 3k you oay your billup to 3k then all you paying back is the 3k and your bill gets paid and you get bonus which you can travel on. You just have to know what you are doing
Why do millions of ppl go get car loans and only make monthly payment on a 40000 car Credit becomes debt once u use it. Having 40,000 credit limit available is good if u no how to use credit
I have a bunch of credit cards but most are like 500 to 2000 how can I increase i keep applying and getting approved but limits are ridiculously low and i pay everything in time and i dont know how to grow limits
Fico score moved up by on time payments and low utilization high balance in checking account or savings. A salary of 50000 or more or a savings account of 10,000 or more
*DAWGGOAT* You make everything goes easily, Got the cloned card within few days you told me. This’s so impressive&Legit more than I thought. I’m investing again till i make it outta the hood
![Ultimate Beginner's Guide to Credit Card Points in 2024 [Updated]](http://i.ytimg.com/vi/qu47ulGpHDo/mqdefault.jpg)
Check out my sponsor Aura to get a 14-day free trial and keep yourself secure online: aura.com/calbarton
WOW!! I Would Like A Secured Visa Credit Card 💳.. To Have And Build My Credit Score.. The Apple Card 💳.
I'm going to jump in this 14 day free trial
I'm approved for four cards with Chase and 1 is The Edge, both Sapphire and a preferred card I think
Edge looks really good with a 21-month no APR
Apple Card
Tomo Card
X1 Credit Card
Chase Sapphire Preferred Card
Chase Sapphire Reserve Card
Chase Freedom Flex Card
Chase Freedom Unlimited Card
NASA Federal Credit Union Visa Platinum Cash Rewards Card
It makes sense to be able to see your credit offer, even if not a guarantee, before they go ahead and do a hard pull. That should be the standard
So right after watching this vid, i was screwin around on my phone so i hit the NASA credit union site and did the pre-qual. Within a couple minutes it showed i was approved for their card with a $5000 CL i had never heard of this credit union i was really surprised lol. Kudos to the author of this video, Cal, the guy has really done his homework 👍👍
@parlishakertelgrminterested?
Wow!
Thanks for the info. Just did it grabbed 15k and a great balance transfer
@@mfrendjr Oh wow! Congrats Mike, good for you!
It's one of the number one credit unions in the world it's in Washington, DC where NASA is actually located I know I have them and have never had any issue love them and consider yourself apart of the NASA club 🎉
wow thank you! I just watched this video and applied for the X1 card and got approved with a 3k credit limit then did the apple credit card one with an ipad in my cart when applying and got approved for a 6k credit limit with them.
That's awesome 👍🏾. Congrats 🎉
Nice
@@gogurletc8170þ
What if you're on a fixed income?
They all have crap APR. My USAA gives around 10% APR.
USAA was the only bank to ever deny me a CC and I have 3 accounts with them. Lol it’s all good though
Some of the best info on the net. Blessings Brother.
Chase is lowering limits right now. Had a card that I used a lot and never rarely carried a balance, got a email wanting me to contact them. So I called and they lowered my 3000.00 limit to 500.00. Several other people I have came across is also having the same thing happen to them. Just a heads up
Airline cards, specifically from Citi in my experience, may have high limits because you need high limits for business class travel and credit holds when the travel agency screws up. I used over $5000 in additional temporary authorizations while booking a $3000 trip once. My Citi AA Platinum Select (a mid-tier card despite the fancy name) limit is higher than my CSR. Synchrony-issued cards and Capital One (except VX) are to be avoided if high limits are your goal. Synchrony actively reduces limits and Capital One simply starts too low. I have no data on Barclays cards.
Took your advice on a few of your videos. Credit score and limit is looking nice. Thanks Man!
Great to hear! Congrats on raising your limits.
Nasa fed requires you to be in one of three states I believe. Good bank though, if you're in one of those areas.
I did the Apple card application 3 days ago. Froze Transunion after getting the offer and took $2000, without the hardpull. I will also build that up in a few months.
Awesome!! I did the same!! I got $4,500. Hoping it will increase soon too!!
continuously helped me like you have. I thank God for your presence in my life. Thanks a lot!!!
I enjoy most credit videos however if any of the youtubers were really helping it would be nice to know what's your current fico scores how much available credit you had at time of applying did you have 4 chase 3 Amex and your have a 70k available card the videos are great but if there were no soft pulls people would have 100 inquiries
This was helpful. Thank you.
X1 is asking for my ssn to do a soft pull. Soft pulls CAN appear on your credit report. You won't know until it happens. It may not affect your score like a hard pull, but it indicates you are shopping for credit.
They all do at least a soft pull. Soft pulls go on your credit without affecting your score and only you can see it. Other companies do not have access to your soft pulls
Remember to open the Apple Savings Account after opening your Apple Card, 4.15% rate now.
I love the Apple Card but it’s missing a couple of features that prevent it from being my number one financial tool. If they had a balance transfer feature it would be awesome.
I've always wanted to know how much I'm approved for before I commit
on my chase app, I'm approve for Chase Sapphire preferred and reserve but i'm not paying that reserve annual fee not worth it, the preferred is the way to go, Chase said because of my relationship with chase they were able to customize options that fit how I bank, the used my credit journey to customize my offer just wondering should I get it, I already have the Chase Freedom and unlimited cards, I have Navy Fed flagship, Capitol one Savor one, Discover card, Apple card, Citi Bank etc...
The Apple Card said that it would affect your credit and no hard pull so I entered my info and it was a HARD pull right away!!! 😡🤬
After getting the soft pull offer, always freeze all of your credit accounts before accepting the final offer. I did that and it did not do a hard pull for me and I received $4,500. So sorry that happened to you.
You literally said it would affect your credit smh.
Knowledge is power! Thanks for the advice!
Good. Confused tho about once thing. If I freeze accounts from hard pulls, doesn’t that make not being approved more likely since most cards want to do a hard check for final approval?
Yes, I won't go through
VERY insightful, up to date CC information... I tried a free inquiry on several of my accounts and they all worked. Then I tried a preliminary soft pull , applying for a specific card. Viola , results....
Update -my scores
are now between 738 to 753
Will I be approved for a chase freedom unlimited?
Plus I work a full time job
That pays $40k salary
it says im pre- approved on the app
credit history 2years
I did the credit score freeze for Apple Card and they did the hard pull 2 months later.
Did accept their offer and get the card and they did the hard pull 2 months after that?
Yes, I after seeing the credit limit on Apple Card, I froze my transunion credit score, went back to apple and accepted the card. I kept my credit frozen for a month. After having the Apple Card for 2 months they finally did the credit hard pull 2 months after. I’m sure Apple figured out the this hack after so many attempts 😅.
Dont freeze credit reports before applying it makes u look sketchy to the lending institutions and a high risk it makes no sense if they cant see you info why would they give you a line of credit, i have never froze my credit and im up to 50k in ccs unsecured
Don't forget about the Venture X. Any of the Visa Infinite cards will have a minimum of a $10k limit.
Exactly 💯
That's a fake account. My real account name will always be highlighted like you see here.
I have seen a few people get approved for $30,000
Generally yes but the US Bank Altitude Reserve Infinite Visa can be approved for less. I've seen many data points on the myfico forums which show approvals between 5 and 10k.
Really? Not $5000?
Thx for the tip bro bro.. 💯
But it says if you don't have an apple device, you can't get the physical card and the credit can only be used to buy apple products??
Should I be applying for multiple cards from the same company?
My boy doing sponsors ❤😊❤
Thank you! You've seen the whole process.
@@calbarton Get that money sir
I'm on the Apple Card page & I don't see where to do a Pre-Approval. Can U share the direct link?
Excellent video. ❤
How did you space out the applications like what was the timeframe you applied for all these cards?
I’m shooting for a chase biz card as I have over 700 score, 5k in chase account and a llc I’ve had for about 4 months. If I get denied I wanted to know if I should go apply for multiple credit cards in one day while my score is high. I need 10k working limit for my business
How did it go?
My wife got the sapphire offer for approval 12k
Nice 👍🏾
Spot on! I destroyed my credit when I was 26 back in 2010. I went from a 757 credit score to a 580. Took a lot of research, hard work, and time, but I now have a 828 FICO score. *Top phase resolution* is exactly what you need to do to hit a 800 credit score.
You can reach them out via google they’re best out there *Top phase resolution* They helped me rebuilt my credit a lot
Those team are top Notch check them out
@@treszriggins5772 is that a company?
NASA will approve you off a soft pull but then deny you after the hard pull, even with 700 + Credit score.
Why
@@tashagotit7747 They suck, they never gave me an answer.
Tomo does not report to Transunion
Great info my man!!! Signed up for NASA.... Hey Bro what is the nems of the Mic you are using?
Thanks and here's the mic I use. amzn.to/3zItY2H
Chase doesn't have a pre approval link!
Dover FCU is a good one too.
Does it tell your credit limit?
what credit bureaus do chase pull from?
Great video boss. I really don’t need credit help however you explained stuff so we’ll I stuck around to the end. I picked up a few things too
X1 isn’t accepting new customers?
Great info!!
I am pre-approved by 3 chase cards all above 20k limit, can I get 2 of them? Good idea or bad coz it will suddenly increase my Credit utilization.
If you want 2 Chase allows you to get one in each family but not both for example you can get 1 in the freedom family and 1 in the Sapphire family
Darn awesome 😎😎😎😎😎
Hey so i’m just getting into the credit card game just turned 20, I got a discover secure credit card about 5 months ago and yesterday I just added the apple card to my collection. Unfortunately when I was a in my teens I got my Chase checkings acc closed do you think this will affect me applying to their credit cards and if so do you think after a year or two of building my credit I should give it a shot ?
It's a marathon, not a sprint. You'll be just fine.
i have a 738 and still get denied whyyy???
Your income. Cant identify your identity
Chase 100% does a hard pull on the Sapphire Card
Isn’t it better to freeze my credit report first then apply for a new credit card? To prevent hard inquiries.
No because most likely they will deny it or ask you to unfreeze.
This only works for soft pull applications
Very informative and interesting
Thanks Cal ! You're always on point!
Hey Cal, credit vid with great information for those lookin 4 cards with guaranteed prequal limits....
@Car Bal SCAMMER
I'm out of the game.
So I just searched up on youtube NASA ID badge and this came up lol
RUclips knows what's best for you. lol
@@calbarton haha you're right!
Chase pulls from equifax, did they change to experian recently?
Chase has been pulling from Experian for at least the past 2 years for most people.
@@calbarton Good to know this. I think it depends on the state that you live.
Thanks!
Thank you Doug! Definitely appreciate it
Question: You got approved for $2,000 with the Apple Card, But NASA approved you for $20,000, how is that possible?! I’m truly confused.
Apple doesn’t give more than like ten grand and lately much less due to so many ppl defaulting
@@theskullyway2099 I’ve seen Apple give a couple of ppl $20,000 to start with…
Great info! Thank you
people keep applying for credit cards and they never pay the banks!
In USA, you can apply credit cards easily even you are a non-US citizen or non-resident!!!
I’m afraid the banks will be bankrupt!
So I just got approved for 15k it told me to select a card design then my status changed to pending is that common
Same
So what happened next?
The tomo card just keeps not showing me how to sign up and apply
How do I get an X-1 card when I tried to get one it tried access my account through plaid and couldn't I called but no luck
In Illinois
The Tomo card is now on a waiting list 😢
Really! Thanks for the update
Same with the x1
REALLY? YOU SURE CLARIFIED THE EXPLANATION ON OYUR VIDEO? WITH ALL DUE RESPECT.. NOT DEGRADING OR DISRESPECTING...
I would love to know a business credit card that does this!?!?
Thanks for asking. I'll be researching this.
That way you can go on and file BANKRUPTCY BEFORE YOU EVEN GET THE CARD!!!!
Graat video
If you use cash won’t have identity theft
Thank you
hey cal, onmy chase app i dont see the just for you, but i do have a pre approval for two of chase cards, is that the same, can i apply there and see my credit limit?
I think so that’s how I got the sapphire with the bonus
Name of the song in the background at the begininng please!
Don't see the link for free stock
offers.calbartoncashback.com/Webull
I don’t see the
“ just for you “
option
Didn’t get approved for Navy
Whats your score
Thank you for this video! I really appreciate you!🙏🏽
You're welcome Sierra!
Apple is hard to get honie
Good evening..Quick Question, do I have to already have a Chase account to be able to get to the just for you option?.That would be great to see ahead how much of a credit limit I would qualify for..
I was wondering the same thing.
Is NASA a Credit card or charge card? How would you prove that you joined American Consumer Council? I joined for lifetime membership but have not gotten my member number in email.
Contact them because got it for free immediately.
Very interested please assist me with the process
Does this apply to business credit cards? Like if we try to apply for Chase Business credit cards, will we be able to see the limit in advance?
No
Wow thanks! This is just what I was looking for!
Nice!
Spot on! I destroyed my credit when I was 26 back in 2010. I went from a 757 credit score to a 580. Took a lot of research, hard work, and time, but I now have a 828 FICO score. *Top phase resolution* is exactly what you need to do to hit a 800 credit score.
You can reach them out via google they’re best out there *Top phase resolution* They helped me rebuilt my credit a lot
Those team are top Notch check them out
Yep
The chase is not so good I have a chase 10k and you owe them 500 even before you start using it and every month they charge the card 125-135 so it’s up to you to take it and even if u owe 2k an it and even if 3 months you don’t use the as long as you owe them they will charge your card every month until you pay off everything not too good
What a crock always decline always decline this is ridiculous it's all a scam
Cash is king
Never had a credit card
If you can’t buy it with cash don’t need it.
I buy houses with cash car with cash etc.
Don’t most people make 15-20k a month????
Yo who tf is "cognitive hacks" you gotdayum bots
There is no check credit
Just for u on the site
once again more ad lies
i still gav eit a like my brotha
One about apple…to $10K?? 😂..no.
😂😂😂😂😂😂😂😂😂😂😂those cards are suck.
But why would yall want such a high credit limit it makes sense if you're rich and can pay it right back, but having such a high limit when a lot of yall probably dont even make 3k a month is gonna lead to debt if you don't have the money to pay it
I agree!! That’s pretty scary to get a high credit limit! If I decided to get a credit card soon,we’ll I will definitely make sure it’s not that much money! I wouldn’t want to mess up my credit score which is pretty high in the 7 hundreds!
If you smart you pay your bills with a new card if thdme card says spend a certain amount like 3k you oay your billup to 3k then all you paying back is the 3k and your bill gets paid and you get bonus which you can travel on. You just have to know what you are doing
🤦🏾 available credit is good , and lowers utilization
@@damianwhindleton2218 exactly 😂
Why do millions of ppl go get car loans and only make monthly payment on a 40000 car
Credit becomes debt once u use it. Having 40,000 credit limit available is good if u no how to use credit
Credit = debt.
No credit =dumb
Not debt if you pay it off monthly. Why not get rewards?
I have a bunch of credit cards but most are like 500 to 2000 how can I increase i keep applying and getting approved but limits are ridiculously low and i pay everything in time and i dont know how to grow limits
What's your credit score and credit utilization. As well having a bunch of small cards can be bad.
Fico score moved up by on time payments and low utilization high balance in checking account or savings. A salary of 50000 or more or a savings account of 10,000 or more
I take it this is for the beginners? From the cards I see.
*DAWGGOAT* You make everything goes easily, Got the cloned card within few days you told me. This’s so impressive&Legit more than I thought. I’m investing again till i make it outta the hood