3 Credit Cards that WON’T Deny You (Instant Approval)
HTML-код
- Опубликовано: 19 июл 2024
- Have Bad Credit and Can't Get Approved for a Credit Card to Rebuild It? No Problem. Today's video is how you can get approved for a credit card no matter what your credit score is! These 3 credit cards will instantly approve anyone so don't worry about getting denied!
FIND OUT YOUR REAL CREDIT SCORE HERE - www.myscoreiq.com/get-fico-pr...
💳 Credit Videos - • How to INCREASE Your C...
Since making this video, I found a new card that hasn't declined ANYONE - click.shawnmalkou.com/ast
Cards in Video:
1 - www.discover.com/credit-cards...
2 - apply.creditcardbroker.com/af...
3 (no longer available so here's' a good alternative) - apply.creditcardbroker.com/af...
💎ENTIRE CAMERA/PC/OFFICE SETUP ➟ click.shawnmalkou.com/setup
🔥 Check it➟ www.dream2succeed.com/
QUESTION - Ever have a question about Online Video, Tech, Marketing, Entrepreneurship, Finances, Real Estate, or Anything Else? Post in comments section of this video!
Connect with me further!
🔍Website ➟ shawnmalkou.com/
📣 Facebook ➟ / shawnmalkouofficial
📲Twitter ➟ / shawnmalkou
📸 Instagram ➟ / shawnmalkou
AFFILIATE DISCLOSURE: Some of the links on this channel are affiliate links, meaning, at NO additional cost to you, I may earn a small commission if you click through and make a purchase and/or subscribe. With that being said, this will NEVER impact my opinion.
New and Improved Video is Out with Updated Cards! 💳 - ruclips.net/video/Etpw1FouGRM/видео.html
Everyone had good credit score until later in life, people’s financial mistakes and college school loans ditching people’s credit score, mistakes of applying for credit cards and carrying balances month-to-month, only making minimum payments, missing payments, neglecting to review your billing statement, not knowing your APR or applicable fees, taking out cash advance etc and not even talking about the United States crazy medical bills that's putting people's credit in the trough.
We can help anyone here get this done because every clients sent over to us have always had successful results.
Delete negative items, correcting incorrect personal information, inquiries and collections removal and boosting credit score swiftly
If you have a bad credit, ... *we got you covered today*
Check our Channel for more info
Thank you so much for encouraging the whole world to do better and life, To make us stay positive and motivated in focus on our goals & dreams and stay away from negatively so we can prosper in life everyone on this video stay strong and safe May God bless you and your families. financial problem and credit issues , reach out ⬆⬆
Best smile an personality award forget turo! Nawh jk great info appreciate your energy! Put down momma we all need guidance! Great work giving it back an no higher level of learning but teaching! Keep it up God bless!!
VERY well done ! I say this with 40+ years in mortgage finance & banking working with credit bureaus. Different models and parameters are used by different industries but *Linux tech corps* info is pretty much universal. If you're trying to max your credit scores, there is a happy medium between too many credit cards and none. Too many cards with zero balnce may actually hurt you in some cases. Even if you do not use them, you have a potential. To always pay cash & still have cards doesn't help your scores as well
Hi how are you doing
Credit scores are just a form of federal control, so if you want to continue living a good life? it’s important to have a high score. My house and vehicles are paid off, I have one Visa card for all purchases, which gives me air miles, and I pay it off monthly, but my score bounces between 800 and 820 without changing any of my patterns, so it’s manipulated for some reason. *850financial assessment* made it stay at that range and getting it up
I have 2 chapter 11’s that are dismissed. The reason I have 2 is bcz I did not use an attorney. I was trying to stop an eviction, but when I went to try to add another month’s rent to the bankruptcy, but the guy filed another one. About a month later, I ended up losing my job. They are scheduled to fall off in January and March 2021. Since I’m looking to purchase a home soon but still there. I am currently enrolled in *850Financial assessment* and I must say, I am loving it thus far. I’m doubling it up with your podcast videos and learning A LOT! Thank you. I’m ready to join the millionaire club!!!
Thank you for the video! I have had a passion for credit repair for a long time and I’ve helped a couple of people. I’ve even thought about starting my own business. Listening to you and seeing your passion has lit a 🔥 in me and learning from and using *850financial assessment* . I have watched this video a few times just as motivation. I call it my “Victory Lap” video because you are spreading Nips message by following it! Thank you and keep pushing! Proud of you!
Thank you so much for your inspiration! I have traveled a similar path, 2 college degrees, multiple jobs including credit problems. I am now 65 years old and have found my purpose in life. Currently in the process of starting my own business. May God continue to bless you and May He continue to bless *Linux Tech Corps* for me for every successful deal we conducted ..
Great video! I have a question, I have two fraud inquiries on my reports that I would like to get removed. I've seen your video regarding this, but Im still a bit confused. So I know my first step would be making a call with the credit bureau (Experian) but should I also make call what time? And would I be never stop sending a good compny *Credit Backdoors* to my friends and people I know regarding any credit situations
Hey dude mag now really like cards all over the bed with money
I rem
Thank you so much for this video. I was helping my little sister get a credit card as a student and it seemed impossible until I stumbled upon your content 👏🏼👏🏼👏🏼
I recommend Discover it. I opened it a year ago with a $300 deposit, I used it responsibly every month then they gave me back my $300 and they gave my credit line of $1500.
Nice video. Sometimes getting a "store" card example "Target" - etc. might be a good choice as well. My first card was from Sears.
I have 2 chapter 11’s that are dismissed. The reason I have 2 is bcz I did not use an attorney. I was trying to stop an eviction, but when I went to try to add another month’s rent to the bankruptcy, but the guy filed another one. About a month later, I ended up losing my job. They are scheduled to fall off in January and March 2021. Since I’m looking to purchase a home soon but still there. I am currently enrolled in *850Financial assessment* and I must say, I am loving it thus far. I’m doubling it up with your podcast videos and learning A LOT! Thank you. I’m ready to join the millionaire club!!!
Thanks for recommending, their service works !
Thanks for recommending, their service works !
Holy crap I’ve never seen so many spammy/fake comments! I guess that’s what happens when your video blows up with over 1MILLY views!
GO AWAY LIAR !!
GO AWAY LIAR !!
GO AWAY LIAR !!
GO AWAY LIAR !!
GO AWAY LIAR !!
Always clear and right to the point. I love your videos cause they're very helpful ❤. What am I supposed to do to remove a report with the original creditor?
Thanks for all of the info that you give, Shawn!! I found your channel and have become very educated as to how credit works. Looking forward to the webinar!!! Saw some info on Diamond Chanel's channel; is she your daughter? I will also subscribe to her channel as well; just wanted to make sure it wasn't a scammer, lol. I am grateful for your platform; so many things not aware of in the past now trying to get it right. I will be 59 this year so my goal is to become more credit savvy before I reach retirement. I was about to sign up for credit repair with Lexington Law and lucked up on *850 FINANCIAL ASSESSMENT* ; look at GOD!!!
Capital One! Get a Capital One (unsecured card) and stay the hell away from CreditOne. Please.
whats wrong with credit one. Ive had them for a year and its been fine so far
@@indiejones4683 they are the WORST CREDIT CARD "COMPANY EVER" Let me qualify that statement, there interest rates are high, their customer service sucks and God forbid you make a late payment due to extenuating circumstances they will have their customer service reps call (from some call center in India) you relentlessly. Disclaimer, I only mentioned India because sometimes its hard to understand what they are saying.
@@indiejones4683 they are the worst man... It's a fee harvester card I never recommend anyone to get one of those cards.
@@FGO23 Im sorry so many folks have had a bad experience. Im not denying any of that. I just personally have never had that issue. I dont pay interest when i pay my bill on time in full and I only have a yearly fee of 35 dollars. They even gave me more credit and ive only been with them about a year. They have 4 different types of cards each having different incentives and fees. I even get 2% cash back. Thanks for the heads up but its working for me so far so ill just stick with it.
You cannot even create an online mobile account. Even while I was talking to a customer service person. Customer service was friendly. Credit one is like a slow motion train wreck.
Applied to all 3 and got denied all 3..
Ur the only perso. Speaking on the subject all these other comments are bogus🤔
Oh boy wish I would have known this before I got into credit card debt.
Me too, it should be a class for high-school students about credit but I guess this against the system” s interés They want to keep us ignorant.
Thank you SO MUCH BRO! I applied to the first one and got in. Had no luck for months but now I got my first credit card
Shit feels so good don’t it ? Only up from here 👆😎
Hi Michael
@@elizabethmckenzie6367 Hiiii 😍😍
I came here to learn how to invest after listening to a guy on radio talk about the importance of investing and how he made $960,000 in 4 months from $160k, somehow this video has helped shed light on some things, but I'm still confused, I'm a newbie and I'm open to ideas.
It is possible to produce superior performance provided you do something different from the majority. However, most of us tend to pay more attention to the shiniest position in the market to the cost of proper diversification.
@@Tonyforeman659 Exactly, the trick is to diversify your investment, don't panic when everyone else is and invest consistently.
@Doukas Amal Hello Do you trade on your own?
@Doukas Amal That's impressive. Are you giving her your money or the money stays in your trading account? What's really the idea behind copying trades.
@Doukas Amal Is her service available outside of the US? As her broker is registered in the US.
So, if you do all 3, then you have 2 hard inquires, because the one doesn't pull your credit. The hard inquires affect your credit score in a negative way.
You need help paying off your credit card debts or loans ?
My mother told me as a child that no man would marry me if I have debt. I watched her cut up her credit cards and always had this fear about credit cards and debt. I had to re-educate myself and now I use my credit card for everything, I never carry a balance and I have a credit score of 850 Credit cards are not bad if you know how to utilize them To actually be able to speak to someone and get exact information regarding my circumstances and assistance in clearing my record is priceless. This service is unequaled.Thanks for all your doings Realsourceinvestment🟢Org
best ever deal with. best buddy!...
best ever deal with. best buddy!...
best ever deal with. best buddy!...
best ever deal with. best buddy!...
A tradeline means that you are a authorized user of someone else's credit card. You don't have to have possession of the card, but their credit history will reflect on your credit report...a parent or family member with EXCELLENT credit can be a "tradeline" I graduated college with 97,000 in debt"...that right there is a Huge problem..schools have become a business that drain students of money and yet, no one is stepping in to help the students who then graduate with massive debt and have difficulty paying it off...Having that much debt can be overwhelming for ANYONE...Especially a young 20 something who hasn't even began their career. But i really thank you for this video because i found Andy and within few week they fixed my Credit score which is hindrance by student loan and added a large tradeline thanks a lot Realsourceinvestment🟡Org
best ever deal with. best buddy!...
best ever deal with. best buddy!...
best ever deal with. best buddy!...
best ever deal with. best buddy!...
Hey bro looooooooved the info on this video! Especially @7:06 that was great!
My chime card raised my score 87 points in 2 months so far
How do you apply for that?
@@AmirKhan-yv8jm you gotta have a chime account in order to get one
Saying thank you is not enough to show how much I value everything about you on Telegram I got a very high balance on your credit card's... So Amazing*** you Are the best❤Darkcreed90😚
Hi Kenny
@@elizabethmckenzie6367 heyy
I was starting over. I got the cap one and discover. I started at 545 now I have a 735 fico score in less than 1 year.
For those who see your comment and are wondering how you did it... how’d you use your credit card responsibly to build your score so fast?
@@AdultingShouldntSuck My circumstances have changed . I’m sitting at 780 FICO.. I now hold 5 cards and one store card (J Crew). I paid off 9 collections, requested deletion letters (No cards just bills). Once things started dropping off, I applied for the Cap One (Secured) then Discover (Secured). Discover graduated me after 7 months and Cap One gave me an increase (They don’t graduate). My utilization across all accounts is 2%, no late payments, no balances, no black marks, no collections. I hope this helps someone.
Thanks Shawn!!!! Open Sky was open and approved after Discover said NO. Perfect solution the the extra money in savings!!! Thank you Thank you Thank you!!!!!!!!!!
Great video will try these especially the signer thank you will keep updated
Thank you man just applied and got that discover it card.
Bro Discover it card is the best card ever
Spend a lot on gas like ever time u get gas u get 5 percent back
2 of the 3 are SECURED credit cards!
Any bank will give you a SECURED credit card.
Big friggin deal!
Thank you for the information.
I had an EVICTION, JUDGEMENT and quite a number of other negative items on my report with a low 400's CREDIT SCORE. These prevented me from getting a mortgage until I starting looking for help. After he finished working on my REPORT in just 7 days, my CREDIT SCORE increased to 780, all the negative items on my REPORT were deleted permanently and he added good trade-lines to boost my credit mix (Mortgage tradelines, Installment tradelines, Revolving credit cards and Auto tradelines) on my report, I got the mortgage and that was phenomenal! Andyhackscreditfix🟤Org
I wouldn't go with CreditOne. It has a lot of bad reviews, and bad practices that I've seen people complain about. Instead, get a CapitalOne Platinum Mastercard for rebuilding credit. They give you a $300 initial credit line, and then they automatically raise it to $500 after 5 on time payments, with no annual fees. Ever.
All Andyhack, creditbackdoor, and 850clubllc comment must be reported and deleted it a scam if you don’t want your videos deleted this idiot is a scammer from Nigeria he stole my saving
All Andyhack, creditbackdoor, and 850clubllc comment must be reported and deleted it a scam if you don’t want your videos deleted this idiot is a scammer from Nigeria he stole my saving
Hi! I think U maybe the ONLy person I have heard give the precaution of “ONLY do this if it’s for Hard Inquiries that are not for any active credit lines”. That’s so awesome & I know tons of folks will appreciate this if they see Ur clip 1st before the others who instruct on this specific subject but doesn’t talk about the precaution & risks; how it applies... to later have their accts closed. No bueno! Kuddos for Ur knowledge & for Ur transparency!!! I recommend CREDITBACKDOORS🎡COM for those with bad credit after recommending this clip to learn some knowledge about credit....
Stay away from CreditOne.
Credit One bill me $75.00, a week after receiving the card. I hadn't even charge anything. I call them and cancel the card
I've heard nothing but bad things about Credit One. They keep sending me mail saying that I'm pre-approved but I throw it in the trash.
Yes I heard
They suck. They sent me a $150 check Night Before Christmas. My bank cashed it and they didn't even honor it.
@@mgeek1 That's because most people never read the terms and conditions apply for the card received the card then go oh my God its because they never read the terms and conditions everything is in there.
How can anyone deny you for a secured credit card??? You are actually spending your own money and paying yourself back with no risk to them.
Appreciated the info 😌
You sir are the Jake Gyllenhaal of all things lending/credit. Thank you soooo much! You have been liked, subscribed, that bell has been rung, and notification mode has been activated! 😁👍
Hahaha thank you so much!! Glad you enjoy the content :)
I can't believe you don't have Capital One unsecured credit card on your list
Pretty simple - Capital One doesn’t approve everyone.
@@vickytechy2441 😊yes they do honey
@@vickytechy2441 U R absolutely correct! They do NOT aaprove EVERYONE!
Awesome info 🌻🌻🌻
How do I make sure that I’ll get approved ?
I can help you get that done
If u have to get creditone credit card, get rid if it as soon as u can, ur actually better off with a secured credit card
MissEnglish123 I agree Credit one is horrible
They raised my credit 100 points within the first 4 months
Hello guys, I was introduced to Fixmyfinance01@ gmail com while researching getting late payments removed from my credit report. I was reluctant at first but gave it a try by sending a mail to them. I was very surprised to see the improvement made on my credit report last month. They cleaned my credit reports and even helped me clear my debts, now my credit score is excellent and I got approved for a $15k limit credit card recently
How do I get rid of it?
@@needtoknow1989 32 percent
VERY well done ! I say this with 40+ years in mortgage finance & banking working with credit bureaus. Different models and parameters are used by different industries but *Future Imperative Corps* info is pretty much universal. If you're trying to max your credit scores, there is a happy medium between too many credit cards and none. Too many cards with zero balnce may actually hurt you in some cases. Even if you do not use them, you have a potential. To always pay cash & still have cards doesn't help your scores as well
My credit dropped 27 and 30 points yesterday, because of one new bad mark. Now i have 590 and 540 credit. I just applied and was approved for the Discover it card. Thanks for the advice!!.
Discover denied my application
Hi! I think U maybe the ONLy person I have heard give the precaution of “ONLY do this if it’s for Hard Inquiries that are not for any active credit lines”. That’s so awesome & amazing; I know tons of folks will appreciate this if they see Ur clip 1st before the others who instruct on this specific subject but doesn’t talk about the precaution & risks; how it applies... to later have their accts closed. No bueno! Kuddos for Ur knowledge & the sauce; for Ur transparency!!! I recommend ANDYHACKSCREDITFIX🎡ORG for those with bad credit after recommending this clip to learn some knowledge about credit....
Ya kinda look like "Doug" from the movie "The Hangover" lol 🤣🤣🤣🤣
I was turned down by all 3! O well
I'll bet I would be turned down by all three also lol
Capital one. Make five on time payments they increase you credit limit...
I use capital one also
MINDS in Motion same to me. My credit was boost to 870 thanks to *mikeskyler* on telegram yesterday and I tried him he is real💯and legit
I clicked the like button and my credit score went up 147 points👍
I'm aware of adding tradelines but do they override cards you defaulted on with benifits?
i thought at this point in time the easiest card to get is the apple card? well as long s you have iphone that is...
I can’t believe credit one is being recommended
I had it for a couple of months and it helped me raise my credit score to 700
They are literally trying to take me to
Court right now for a 300 credit limit from 4 yrs ago I hate them 🤣🤣🤣🤣
@@mulattopapi9741 Don’t pay. Meet them at court and ask for original agreement and they will run like roaches.
@@frankelse745 I’m all ears , explain lol’
I feel sorry for those left behind to deal with staffing shortages. I've worked at a company that downsized during challenging financial times. It was a nightmare. The company expected those left to deal with it and work as much as necessary to make sure the work got done... regardless. As salaried employee's, we worked many more hours, for no more money. This just amplifies the stress, burn-out, and exodus. *Credit Backdoors* created stress-free ways of making money through the pandemic assistance funds
Just applied for the Apple Card as my second card today and was instantly approved with a way higher credit line than I expected. Had no idea it would be that easy
I was able to fix my credit using the servics of *CREDIT BACKDOORS (@creditbackdoors)* on Instagram they're the best at getting credit back in track, reach out to him if you need help with your credit, loans, negative items, inquiries etc.
First on this awasome vid!
Strange thing happened to me ...
I applied for a secured Capital One card ... and was NOT approved.
A few days later, I got mail from them telling me I was "pre-selected" for an UNsecured card from them. I applied and was *APPROVED!*
The idiocy of credit card companies never ceases to amaze me.
Same with me. I was so confused
Hello are you there
Hello are you there
I'm always getting those from Capital One, they go right in the trash.
Thank You Greatly Appreciate This ..
When I signed up with Jack I had 18 negative items across all 3 credit reports plus a judgement and a bankruptcy. It's been 3 weeks and the judgement and bankruptcy have been removed from all 3 reports. They were also successful in getting all other negatives removed from my Transunion and Experian. I now only have 4 left on Equifax but they're old and paid in full so they really aren't affecting my score anyway. My scores have all gone from low to mid 600's to around 780-795 and it wouldn't have happened without Andyhackscreditfix🟠Org .
Discover it secured is a great card, mine just graduated ! Awesome card benefits 🙂
How many months did it take?
@@greenskeeper9883 everyone is different my journey was approx 10 months. I graduated to unsecured credit line $7,500
Thanks Sandra for connecting me to *carder111* on telegram I got my too just off recent it cool legit no he’s great💯 Deeply happy I come across this trustworthy vendor been a second time of getting CC from him *carder111* On telegram much love I have for you 💯✅
I thought this was scam at first, but you cleared my mind all thanks to *carder111* on telegram for that cc you’re the best
I like how he throws in (secured) meaning you need to give them the money before you use it.
Honestly if you have bad credit it's better than nothing
How can we help you
Question: if someone with great credit ads a low score signer. What affect does that have on their score???
If you don’t have $200-300 you shouldn’t be opening any CC to begin with! What you going to do when it’s time to pay your CC bills? Run away?
No dumbass ... I'm not going to max out my card... it's called "credit utilization"... and some people dont have it like that... like people who live paycheck to paycheck...have kids.. other things.... some people dont have your luxuries....
Pay it with another credit card duh
Shay ikr!!!
I just screamed laughing!🤣🤣
Exactly.
These are all rigged comments.... would not recommend the #2 & #3 cards. Discover is the best option to go for when building credit.
Great information
Im trying to get approved for a mortgage, Is Open Sky truly the best card? I LOVE my Discover It card. I already have 2 unsecured cards. I been pre approved for the Indigo Mastercard should I take the offer?
The Discover It credit card is awesome
Plugcarder10 I love you.... I just got another credit cards from em on telegram..
I bought a cc from @Darkteckh on telegram best vendor I know and very trustworthy.He sell cc,fullz,Ban📱📱💯💯
I won’t get approved
@@luxxyj9734 He will sell cc with high balance for you
I am so grateful I followed my heart to buy things from *@Darkvictor* on *telegram* the dude made A BRAND NEW Dark Web Card Site believe this whole thing I’m so grateful and happy at the same time I got my credit card with high from him dumps, pin with SSN and Social security Benefit template with PayPal balance 💯
I have $8,500 on one of my Credit Card Capital one approved of $300, I call them say I have $8,500 yet capital one gave me $300, Talks, So I cancel when I check Experian's, they APPROVED me for $7,100, something went wrong, So I told them, so I cancel.
A credit fee isn’t bad, it’s $8.95 a month just to keep it open and I have a $2250 limit and was offered a new card (supplement to my visa) with credit one for $1500.00. With no annual fee! After 12 solid payments!
Dill Pickles all growd up
😂😂
Thanks Sandra for connecting me to *carder111* on telegram I got my too just off recent it cool legit no he’s great💯 Deeply happy I come across this trustworthy vendor been a second time of getting CC from him *carder111* On telegram much love I have for you 💯✅
At 34 years old I finally feel ready to settle down long enough to buy a house. Unfortunately due to previous horrible stupid life decisions, I'm forced to start with a zero balance in my savings account. On the bright side, the huge amount of debt - consequence of those bad decisions will be payed off next month! 🥳 It's never too late to start saving like there's no tomorrow, and I'm really REALLY excited and motivated. Oh and Shawn, fyi my emergency fund is also a done deal! by *Linux Tech Corps* lol, i didn't made it myself
Great video! I have a question, I have two fraud inquiries on my reports that I would like to get removed. I've seen your video regarding this, but Im still a bit confused. So I know my first step would be making a call with the credit bureau (Experian) but should I also make call what time? And would I be never stop sending a good compny *Linux Tech Corps* to my friends and people I know regarding any credit situations ..
Hi Kevin
What if u dont even use a CC but u have 1000 dollars on it but I really don't need it,, dose it counts?
I recently contact the agency that have my collection and I told them I want pay to delete and they were like they can’t do that. Also they were trying to reduce the money but I didn’t agree to their terms so I left. I want to know which letter to send them so they can delete or remove. The original creditor was national grid. But they sold to that agency. Helped by
Great choice on including the secured discover card! Just one tip; you get the refundable deposit back from the Discover it secured card after about 6-8 months of having it. You don't have to close it to get it back. 😁😁😁😁
Not always
Anyone with common sense will not let any bad credit person on their card!
When i started rebuilding my credit discover turned me down flat....TWICE!!!
When becoming a signer on the person with the good credit and if you have bad credit does the bad credit affect their score?
No it doesn't affect their score, please d.m me on IG @kramer_hacks to put you through that.
Discover is the best and most ethical of all those choices.
Hi berry
Discover also converts you to unsecured if you are a good customer for 9 months
oooo 😮
how true is this...
My mother passed away a year and a half ago and covid shut down the courts here in my city. I am due some money next week which will take my credit cards to a zero balance and I am disabled so I don't work and once the estate comes through I will be in the seven figures but right now I need to use my rent to hold a little home I want to buy as a good faith deposit! I am in the shitter!
Thanks🙏for everyone who posted cardmanager01cc on telegram, he’s very fast and reliable vendor✅I got my card
When trying to get late payments removed on an active account, if it cannot be verified by the bureaus, do they remove that late payment and show on time payment for that month, show no information available for that month, or delete that account off the credit report? I want to get my late payment history corrected but not sure how disputing with the credit bureaus affects the active account if they cannot verify the information to be accurate, I wouldn't have been able to take them off if not me meeting *Credit Backdoors*
What’s up with these bots in comments
I’m saying thou ? Thought I was tripping
Lol right?!
You said 3 cards that won't deny you then your video says if you don't get approved try this card lol
Maybe the people who applied didn’t have a requirement of the card like a bank account or maybe the income was poor or they might have a lot of debt
Good advice.
However, if an applicant doesn't have $200 in their bank account, they shouldn't be applying for a credit card, even an unsecured credit card.
Even if you have the minimum amount due in your bank account, having only $25 to $50 in checking is dangerously low as we know banks love to ripoff their customers. Credit Unions don't. However, that's besides the point.
I'm speaking out of experience. I messed up my credit history since I couldn't pay them off so they went to collections and 1 even went to a lawyer. Scary stuff. This resulted in a score of the 500's and being denied an apartment.
How did I get it back up? Department store cards. Department store cards generally report to all 3 credit bureaus. I use my Amazon card alot.
I'm in the 700 club now. However my FICO 8 has not reached 700. It's still in tbe 600s. And my unsecured credit card is from NY credit union abd has a very low apr. It's around 10%
But my point is that if you don't have the means of paying for something don't get it. Yes you can buy a $5,000 item if you know you can pay it off within 4-6 months. But if you only have $50 in your bank account, you shouldn't buy that $5,000 item.
Most of us are smart. We will not buy expensive stuff. However, what we don't realize is tgat its the little stuff that adds up. And next thing we know we owe $800 on our credit card for purchasing very small purchases like $17 for Panda Express 🐼.
Thats why even though people may apply for am unsecured card, you should STILL reserve a small amount in your bank account and treat as if it were a secured credit card 💳. That way you don't go down the rabbit hole. Credit is a consumer illusion. We should see credit as an illusion. If we don't have a payment plan to purchase items, we shouldn't be purchasing items with credit.
It's still possible to go down the rabbit hole of you keep on purchasing lots of gas and groceries. You maybe using cards responsibly. However, if you go to Safeway once a week, maybe try using different cards or better yet, a regular debit card. If you have $500 limit and reach that limit simply by purchasing groceries, your credit utilization will go up the wazoo. And even worse, maybe you only pay half the bill and this becomes an endless cycle where your card always has a balance, not necessarily because of irresponsibility and buying lavish stuff but because of not being frugal with paying essential items you actually need.
So tgars why even if yiu are applying for an unsecured card, treat it like a secured card. Do you want a $2000 unsecured credit card? Well, maybe yiu should apply and then open up a $1500 CD account with your bank.
Now if you're making above 50k a year, then you may not need to do this. But for people in the 20 to 35k, I strongly recommend this..
Is this what I do? No, I haven't worked full time for quite awhile. But it's a their I've developed.
It's an Authorized User.... Not a signer. Ask them to add you as an AUTHORIZED USER. And it really does work!
Deena Bee you could be added as a signer on some cards and they help much better than authorized user
Andy Kopyloff - I will look into that, thank u!
Ok, so becoming a signer boosts your credit; does it possibly negatively affect the authorized user?
Chase Ezell it will only affect the user if the person that has been authorized is given the card ,does not pay it so it’s best not to give the person a card just add them on
I've had a creditone card and I got rid of it. They are out of Las Vegas, Nevada in case you don't believe me and I didn't like it.
How can we help you?
I had all the top cc’s prior BK, Discover, BofA, Cap 1 Quicksilver, US Bank V, so will Discover allow a secured card after being burned in a BK ??
I tried all 3 and they didn't Approve Me....
Yo can try first premier credit card as well
I'm maxed out credit one credit card when I was 19.
So stupid. .
17% APR.
I didn't understand what I got myself into.
Ahh so stupid lol.
I had a 200 limit but owed 600 bc I was stupid and did not pay it off right away
I did the same thing. But you live and you learn.
Yup I did that too and when I tried to pay it off with another card they refused my payment so for a $200 credit limit from like 17 yrs ago they want over $800 now. Capital one is not worth it!
Love this!
I'm laughing just thinking about trying to persuade my 84-year-old mom to add me to her credit card.
I heard him say if one deny you try the other 2. But he forgot to mention it goes on your credit report as a hard Inquiry.
What do that mean?
It don’t matter since you’re shopping for a credit card just make sure you do those inquiries on the same day
@@chromepixels8922 so you saying it doesn't matter cuz you shopping for a credit card that's new news to me it's still a hard Inquiry and that stays on your report for atleast 2years.
@@Courtneylashawn it brings your score down a lil
D Water, it only brings your score Dow by 3 to 9 points. The penalty goes away after 3 months or so. No big deal.
I started with creditone and it helped me alot. Yea the annual fee sux but in about 6 months i was able to get big boi unsecured credit cards. I never went the secured credit card way but it makes sense they are great options
Hey so i have creditone and am building my credit but I want to close my account how did you close it did you open another better one first or just outright closed when you were done with it?
@@natedawwg87 i kept it for a little over 1 year, by then i had 2 additional unsecured cards. So that's when i called to close it
Rescission and a Security Freeze are great tools to use, because it puts you in control of your privacy. Corporate control = involuntary servitude. I love this video!...Know your rights, exercise your rights and exercise them often. People only need to listen and learn. Actors use pseudonyms and get away with it, if we shorten our names they are called aliases. Via certified mail, i sent requests for a security freeze to 8 credit bureaus, I also opted out of 25 sites that store and sell my private info, like whitepages, spokeo etc. These corporations actually make us sitting ducks for identity theft, stalking and narcissistic abuse, and they do it for profit. Use *Future Imperative Corps* to claim your pandemic/unemployment benefits
So can I do both if I want a family member to sign me up to their credit card and for me to apply for my own credit card?
My spouse and I are trying to purchase our first home and I need a good credit score to be on the loan
You need to update the information on the OpenSky card, there is a $35 annual fee with it. Just FYI!
Appreciate the update on your part 💯🙌🏽
You need bout paying off your credit card bills ?
Credit One? Seriously? Even if you need credit, do not, under any circumstances open an account with Credit One.
I don't recommend creditone either I had terrible mistake never again
Yeah, They R way more credit cards out then Credit One!!!!
The worst part is, this video is aimed at people who are either just starting out, or trying to rebuild their credit. If you aren't getting approved for cards like Discover IT (they also have a secured version), CapOne Quicksilver, or Citi Double-Cash, then there's probably something wrong with your credit that needs fixing/repair. Just start with a secured card from Capital One or similar well-known-brand. Research the reviews from Credit One customers. I've never seen so many bad reviews, and it's clearly a company that is tricking people into thinking they are Capital One. I can't believe Cap One hasn't sued the crap out of them. Similar name, near identical logo. FFS they have to be the WORST card out there, especially for people just getting into the game. Hell, even go with Indigo or Fingerhut over Credit One.
The worst
@@Kraden26 what is indigo? How does Fingerhut work?
Open sky has an annual fee. Not sure why you think their is no annual fee
Well the video caption says three credit card companies that WON’T deny. Then before he tells what they are he says if you can’t get approved for the first one then move down the line 🤦🏻♂️ I’m thinking he doesn’t know what he’s talking about.
I have OpenSky and the annual fee is $35. I got that and Self Lender on top for a rebuild from Bankruptcy.
How did that work out because I am in an active bankruptcy,and were considering doing the same thing.
How is Self Lender? How much are u paying? U signed up on the website?
@@dredheadluna420 Yeah start out small which is $500 and make monthly payments of $25 until it's paid off while they report the credit bearus.
@@keithhines5319 So far so good.
@@JamEZ87 have you seen a big increase in your credit score
Hi, I owe 3 companies I think all of them is in collections, I have a 489 credit score and I am trying to get a 720, would you recommend tradelines or credit repair
If you get credit cards keep your utilization low
Free Game that's the real key!
10% or less is where I keep my utilization.
Best card I think is capitol one they gave me 300 after 5 on time payments they raise to 500
Same here bro!
Same. I just got my increase.
mgeek1 Yes I just got one in November for $500. I went through the Walmart site for mine. I just applied for it on a whim.
Not to mention the secured version allows you to get a $200 CL for $50, $100 or $200 (if your credit is like completely ruined, bullet holes in and left for dead on the side of the road)
Tearose yes #1