How I Built $100,000+ in CREDIT LINES, and YOU can too!

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In this video I show you how I built over $100,000 in credit lines across multiple personal and business credit cards. These include the Freedom Flex, Chase Freedom, Ink Preferred, Sapphire Reserve, Amex credit cards like the Hilton Honors Surpass and the Marriott Bonvoy card. So if you want to know how to get a 700 credit score or higher, a credit limit increase or just something for flex value, watch this video, I show you my complete journey.
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Опубликовано:

7 сен 2024

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Комментарии : 199

@stanleyperdomo8563 3 года назад

Been watching your channel for a while now. I’m at 96.5k limit. ✊🏽

@TheCreditShifu 3 года назад

Awesome!

@2808Heavy 3 года назад

I’m currently at $691k but I’ve been at this for a long time. About $59k of that is from store cards such as my Lowe’s, Home Depot, and Synchrony Amazon.

@docsays 3 года назад

- impressive

@Elemental1331 3 года назад

You are a credit God.

@shawndoe6843 3 года назад

So you up there with Me & The Big Boyz

@GetToThePoint-Creditcards 3 года назад

You are a baller!

@gatsbylight4766 2 года назад

Yeah, man!..... 'cause you never know when you might need hit up Home Depot and charge *$17,000 dollars* worth of *nails.* !?!?!?

@TheFinancialMinute 3 года назад

I had 145k In credit and have since switched to a smaller portfolio of cards to simplify my life.

@ersbit 3 года назад

😂too much pressure to spend?

@mod2839 3 года назад

I have 22 cards..total of 524 k. I have them for almost 10 years. Thanks for sharing..👍🏼😎.

@GetToThePoint-Creditcards 3 года назад

Thats amazing man.

@andrewsnyder9262 3 года назад

For what? Why do you need so much available credit?

@GetToThePoint-Creditcards 3 года назад

@@andrewsnyder9262 If you have business, you can easily use that credit. I am not sure if it is only personal or business and personal

@RegM86 3 года назад

@@andrewsnyder9262 points churning. The same reason we all watch these videos.

@mod2839 3 года назад

@@andrewsnyder9262 Why Bezos, Musk, Gates and Buffett need more money? 🤪. Mostly for lowering my utilization.

@drjsantos15able 3 года назад

I had about $70k credit limit before the pandemic hit and used about 20% of it, but when the pandemic hit, it was like a dominoe effect, one bank lowered a limit and then next bank and the next bank until my total went down to like $35k limit, so my 20% usage balance I had ballooned to 40%, and bc it looked like my usage went up that much my credit took a hit. Pretty much the banks fault. But now they are slowly raising the limit again

@straightsixracing 3 года назад

One of my $4000 limit cards went down to $685 I owed $664 LMAO. That hurt.

@straightsixracing 3 года назад

@JPavilion mine was synchrony, I had just bought new tires and had 0% for 6 months, I already paid it off and I probably won’t use the card again.

@drjsantos15able 3 года назад

@@straightsixracing that made it look like you used up 96% of your limit lol

@drjsantos15able 3 года назад

@JPavilion it happened to so many people, just uncalled for lol I get they want to reduce their risks but still most people wouldn't tap into credit cards to the max

@drjsantos15able 3 года назад

@@straightsixracing that's the same one I'm currently using! Got until October for my 6 months to expire, plan on paying it off in September.

@Grovel007 3 года назад

Damn, and I was excited about having 30k in credit.

@reflectionpoint 3 года назад

Just crossed that milestone myself. I'm damn proud, knowing where I started from.

@sanjaynandalall2260 3 года назад

30k? I was excited about having 5

@yoguyybbeee9468 2 года назад

How long does it take

@Maricarrrr 3 года назад

Congrats on that $100K! Currently sitting at $24K

@RegM86 3 года назад

$183,600 spread over Amex, Chase, Capital One, Discover and WF. Was over $200K prior to Barclays closing my Arrival due to inactivity a year ago.

@MarkReese 3 года назад

With that much credit, next purchase = Shifu Lambo 😬🏎💨

@STeroidsnicca 3 года назад

@18% apr lol

@MarkReese 3 года назад

@@STeroidsnicca - Haha yeah that's the nasty part 😂✌️

@GlobeTrot707 3 года назад

Cheapest Lambo starts at over $200K.

@MarkReese 3 года назад

@@GlobeTrot707 - Used market ✌️

@FisterMantastic 3 года назад

Im only 23 and just opened up an Amex Delta Fold and they approved me for a $30,000 limit instantly, so then I went to ask for a limit on my Everyday card out of curiosity and they auto approved it for a $20,000 limit 💀 I wouldn’t say that i necessary have the income to warrant such high limits, but I do have a 794 Fico score

@chucalissa9231 3 года назад

Lucky you

@tonyapendleton7467 3 года назад

Damn

@hassellchannel 2 года назад

how long is your credit history?

@fogrunr5075 Год назад

A lot higher than you need...

@ambermcmullen8209 3 года назад

I always wondered what you guys' *all my credit gurus that I watch (Sebby, Mark, Brian, you)* individual card limits were. I'd watch some rando dude with a YT caption offering advice on getting "high" limits, only to get halfway through the video and he has a $3,000-$5,000 limit. I did have BOA slight lower a limit on an existing card when I got approved for a second one but it bounced back soon after. Discover denied me for an increase because I wasn't using it enough. I was just being neurotic though in even asking for the CLI. I ONLY requested it cuz the limit was $18,200 and the number bothered me. I wanted a round $20k 🤣

@chadcarlson8311 3 года назад

Amber McMullen you don’t watch Adam??

@ambermcmullen8209 3 года назад

@@chadcarlson8311 Proud Money Adam? If so, yeah I watch him too. He's one of my faves

@GetToThePoint-Creditcards 3 года назад

You should totally watch me haha I am also a centurion member.

@JonathanSorunke 3 года назад

The charge cards are the game changers since they don’t report to the bureaus! Great video!

@flaneurfilms1940 3 года назад

because they dont report a credit limit? AMEX platinum reports a ballance for me every month

@RedRider1600 3 года назад

@@flaneurfilms1940 If they only report usage and don't add anything to your overall credit limit, then that is a bad thing. It increases your usage ratio.

@DalHarpJr 3 года назад

My total credit line across all of my cards is $297,250. Will be applying for one more card next month, then I will be slowly and methodically closing some accounts that I don't use that often...

@Kenroy112 3 года назад

189k for me , not really something I looked into until now. I have had to move around credit lines in the past for chase and Amex.

@niechzyjepolska1805 3 года назад

My credit lines just hit 200k last week with my new Citi card

@dreagus001 3 года назад

which card did you get if i may ask?

@andrewweiss1755 3 года назад

I have $155k in personal credit, plus $25k in biz credit (just for my side hustles) plus my amex charge cards.

@Surfer041 2 года назад

I'm up to about $34,000 in total credit line, plus a no preset limit Amex Gold.

@JacksonWelch 3 года назад

I had a credit limit of 75k but I got all my limits lowered since I never spend more than 2k a month lol

@jesselee2303 2 года назад

I have 36,400$ rn, with 5 cards, I don't think I want any other card for a while hahaha

@TonyMilanoOfficial 3 года назад

Been working on your "Real Men Real Style" Hand movements I see.

@sanjaynandalall2260 3 года назад

Im never going to stop striving for better credit until im as happy as this man is 5:35

@boondoggle4820 2 года назад

It seems that Chase will sometimes just raise the limit on the credit card that it would like you to use most, even though you have other cards with them with lower limits that you've had for a longer amount of time. Recently, they raised the limit on my CFU which already had the highest limit out of all my cards, even though I've had the Freedom, Amazon Prime and CSP for a longer amount of time (I've had the Freedom card for a much, much longer amount of time as it was one of the first cards that I've ever gotten). And I didn't ask for a credit limit increase. They just gave it to me, which is fine because it improves my credit utilization which improves my score. It seems though like they really want to promote the CFU, presumably because it's their most profitable card.

@jeffking7142 3 года назад

I’m at about $170,000

@mitchell.9632 3 года назад

Ben there is something about that thumbnail that may make it look like to a new channel viewer that you have 400 lines. Other wise good editing and video as usual.

@achavez78 3 года назад

Anyone else notice him drop that flex in there saying he currently earns over $300K a year

@ishootmovies2 2 года назад

Well dang I was happy with having 50K in credit at 0 percent utilization( pay all balances off at end of the month). Don't count my American Express platinum since i have no spend limit.

@allthingsinvestingandfinance 2 года назад

Killer video. Thanks for the detailed explanations

@paulmitchell9283 Год назад

I have 3 cards $8000 limit 735 fico score I think it works for me I would like my score to go up by 40 or 50 points just in case

@kdawg9477 3 года назад

I have that limit quiet some time now.. never know what to do with it.. and this is just for myself, not counting my wife. 13 personal card, No business card, and never asked for credit limit increase before..

@michaelswami 3 года назад

I have 14,000 across 4 cards. Just started about a year ago.

@RanjitSingh-vj6cg 3 года назад

My Amex cards limit about 500k I have 7 of them

@gg_jasonn 3 года назад

Hey brother, from your professional experience, which would you say is the best air line credit card? Thanks!

@kingsboy1828 2 года назад

great video...thank you Sir

@BimmerWon 2 года назад

If you have a black sharpie marker and an any Amex card the you can have infinite credit.

@Emmanuel-ne3oi 3 года назад

Over 200k here

@Emmanuel-ne3oi 3 года назад

Edit: now over 230k. Just applied for an increase while watching this video lol

@chrisr5437 3 года назад

What did you tell the agent on the reconsideration line for the sapphire reserved?

@Mrhandyhitman 3 года назад

Can you show us how to build business credit and how to get a business loan??

@oliviarobinson7402 Год назад

When you have so many cards it’s hard to keep them all active, to many cards are not good.😮

@arey256 3 года назад

So for those people that have a lot of cards how do they keep them from getting closed? Do they have to keep them active? And what constitutes as your card being active? Is it a certain number of purchases or how much you spend? Or do they simply just churn the cards without any regards to their credit history?

@hassellchannel 2 года назад

I think its just them being used, if you put a dollar fifty on the cards every year or so most banks I think would keep them going. But their are more experienced people to ask than me.

@mushfiq8318 2 года назад

yeah pretty much i just charge like £1 on it (UK here) and have it set on a direct debit so it just keeps it charged every month and its negligible cash. or spread your direct debits across cards and have it debited from your debit cards.

@r.a.8407 3 года назад

7:36 how you do that? This really is what you should be talking about

@TheCreditShifu 3 года назад

It’s only possible with your own business. As an employee, very hard, unless you get like an amazing promotion every year

@MrMurysa 3 года назад

Are you not a US citizen? Just checking if this matters for the approvals

@TheCreditShifu 3 года назад

I’m not, I’m just a green card holder, basically you are treated same as a citizen. But if you don’t have a green card and are just here on a work visa then it can be harder.

@MrMurysa 3 года назад

@@TheCreditShifu sounds good. Thanks. This is helpful.

@MatteBlackEverything 3 года назад

10:32.... listens to Shifu..... looks at his subscribers...... "hey wait a minute!"

@quintingreen1972 2 года назад

What’s the background music????

@vsar1938 3 года назад

Im curious how you got the Karat card if you don't even have 200k subs on YT.

@Maricarrrr 3 года назад

He does have multiple channels

@Dablooo356 3 года назад

He used to be on off the Great Wall which has 750k subs

@pgcayalo 2 года назад

That comment about Dave Ramsey 😂😂

@ez3619 3 года назад

Graham needs to do this trend.

@markg813 2 года назад

3 cards. 52k limit

@YasilTorvanna 3 года назад

I have $70,000 in credit and I dont even know what im doing

@babyninja7883 2 года назад

Cash out get 60K n try to make it back in a year try to make 70K-80K

@jonathanNYC1 2 года назад

Question!!! Chase ink preferred for business. Does that count towards chase’s 5/24 rule?!

@TheCreditShifu 2 года назад

It subject to it, but doesn't count towards it, since it doesn't show up on your personal credit report

@Likahing 3 года назад

BOA Cashrewards 6k BOA Better Ballance 500 Navy Fed cashrewards 43.8k CFU 9.5k CSR 11.6k Chase amazon 1.4k Chase United Club 21.7k CFF 7.5k Chase world of Hyatt 11.7k USAA 17k Costco citi 8.5k Amex BCP 20k Total(Personal): 159.2k Total(with biz): 190k

@hjchamp04 2 года назад

Got 87,000

@HugelsTv 3 года назад

I never imagined I could get out of my financial dilemma due to my poor credit score which led to me coming in contact with some impostors online who claimed to be professionals but only worsened my situation

@immortal5sky 3 года назад

Are you from America??? does this information apply to other countries????

@TheCreditShifu 3 года назад

We are based in New York yes, some of this info may apply to other countries, but it is only 100% accurate for the US market.

@raymonddraskovich7387 2 года назад

Does American Express have a credit limit?

@TheCreditShifu 2 года назад

Amex credit cards do, Amex charge cards dont have a pre-set limit, it changes with time depending on your spending and is a lot higher, for example on my Platinum I have used the "check spending power" tool and discovered that charged up to $75,000 will go through

@I..cast..fireball 3 года назад

I only have 6 cards but a total limit of 74k

@GuestYouTubeUser 3 года назад

Credit is great for emergencies. But not to live beyond your means. 😗

@mickylord21 3 года назад

Lol its so funny to me that you got your own ssn wrong

@ctbt1832 3 года назад

Good video

@BayGolge-zh9jh 3 года назад

SAMHACKSTECHNOLOGY🪐NET Rocks!!!

@Tony36847 3 года назад

@creditshifu if you wanna learn how to avoid getting shut down for inactivity, head over to @asksebby he talks about it often

@TheCreditShifu 3 года назад

Well I don’t think I need to learn, can just put a small recurring purchase on that card and set it to auto pay. But to be honest, I don’t really care about that card and it is a good opportunity to do a video on how shutting an old card will affect credit score, I have kind of been hoping it would happen

@samkawer 3 года назад

Do you recommend auto pay

@michaelshay6264 3 года назад

yes if you keep enough money in bank account to prevent insufficient funds. no if keep low bank balance

@thebeddoctor4273 2 года назад

Is Amex gold and Platinum only charge cards or do they offer a credit card version?

@TheCreditShifu 2 года назад

They are charge cards, however they have now added the pay over time feature where a portion of your balance is able to be carried over and paid over time

@thebeddoctor4273 2 года назад

@@TheCreditShifu but none of them will show a credit limit on your credit?

@TheCreditShifu 2 года назад

@@thebeddoctor4273 no it wont

@MCMXC.a.D. 2 года назад

but does include credit from charge cards like amex?

@TheCreditShifu 2 года назад

no, they don't have credit limits. I guess I could include the "pay over time" limit, but I didn't

@MCMXC.a.D. 2 года назад

@@TheCreditShifu Okay thanks

@dejonmasters8767 3 года назад

I think i have about 80k personal and 10k business

@byronjeffery2576 3 года назад

Never understood why people want so many cards when you can only use a few or a few are the ones only really needed. If I have to get eight nine ,ten cards to get a limit that high not worth it. And why does one need a 100K limit anyway?

@Fman990 3 года назад

It’s a great tool for business opportunities. Instead of having to have the cash to invest in an opportunity, you could pull from CCs. Leave your other money making money in say your stock portfolio and only pull from said portfolio if needed to to pay off the CCs towards the end of the low interest rate period. Just an example.

@troyx9459 3 года назад

like he said: low credit utilization if you decide to keep a balance. Another reason is because so many credit cards are giving sign up bonuses.

@byronjeffery2576 3 года назад

@@troyx9459 Maybe I missed it but I did not hear him talk about credit utilization. Also what does that have to do with the video? He is talking about how he got 100K in credit which has nothing to do with what you are saying and say he said. Maybe a bit but not much!

@troyx9459 3 года назад

@@byronjeffery2576 He's probably signing up for a lot credit cards for the bonuses and as his income grows so do the increase on his limits. The part about the low credit utilization is at the 1min mark.

@byronjeffery2576 3 года назад

@@troyx9459 I understand that as most people are bonus bandits but once you have all those points and realize you really don't need that card then what? Find a card with enough rewards and bonus to which you don't need to chance bonuses. Also okay about the low credit utilization but I am sure damn near 100% percent of people know that. Lastly he does not have 100K personal it is a combo of Business & personal. I own business and separate the two. You can't add your business credit to your over all credit cause your Business is a separate entity!

@landonbarretto4933 2 года назад

It's more important to pay off a balance by the due date than it is to keep credit utilization low - that's a bunch of BS. What, you have a $10k limit but only use $1,500 to try to prove something to the credit card company? As some kind of technique? BS. Whatever your limit is, that's what the credit card company believes they can risk on you.

@TheCreditShifu 2 года назад

In order to keep your credit score high, it is important to keep utilization as low as possible. You dont have to max out cards in order to get a credit limit increase. You can just request an increase after you have had the card for a few months, then you can spend more and maintain low utilization.

@landonbarretto4933 2 года назад

@@TheCreditShifu - no way, dude. Max it out and pay it off. Why request a higher limit if you're not using the current limit?

@metehangungor5500 3 года назад

ERRORS IN REPORT, NEGATIVE ITEMS ETC

@BeautifullyDesigned26 2 года назад

$163k

@ChristianAviles 3 года назад

Novice I have 161,724 in credit just teasing 😂

@tquesada72 3 года назад

I am sitting at 215k

@user-zl6ck9wf7b 3 года назад

Shifu, can you share how you've exponentially increased your income and now make several hundred thousand dollars annually? I'm stuck at about 100k in Cali which doesn't go very far. I still budget like crazy, which is fine but if like to be able to feel more free and be more liberal with the some of the finer things in life. Any assistance? Btw, I just started my credit journey 8 months ago and have gone from a low 600 to a mid 700.

@johnsantiago4810 3 года назад

$100,000 of money you don't own... No thanks, I'll rather increase my net worth than a credit line.

@docsays 3 года назад

- i like having both cash & credit. together they create a synergistic effect financially.

@T.Q. 2 года назад

I'm surprised that you're the only one here saying that. Very true. Its no wonder that 99% of the population isn't rich. These guys think they're rich when its all debt. Reading some of these comments you'd think they hit the jackpot by getting more lines of credit.

@editortommytv3523 3 года назад

They pulled off a great job

@1Ampul 3 года назад

FINANCIAL PROBLEMS

@gizemliisler9516 3 года назад

My will eventually paid off when I recently got in contact with SAMHACKSTECHNOLOGY through a reference online which my friend gave to me. His work discretion professionalism and experience is quite amazing

@yagmurbulut790 3 года назад

Contact this wonderful compny

@fogrunr5075 Год назад

171,000 😮😮😮😂😂😂

@MJ-ke1hn 3 года назад

Is this Facts talk ?

@sam9242 3 года назад

You are losing site of basic good financial sense. The goal should not be maximizing credit, but minimizing debt. I surpassed $100 k years ago with 5 cards. Guess what? Never used it once. No debt for 30+ years. Financial maturity requires getting over the "mine is bigger than yours" mentality. Then you start working towards meaningful goals.

@TheCreditShifu 3 года назад

We don’t encourage people to go into credit card debt on this channel. The whole concept of our channel is using credit cards to earn loads of airline miles etc and pay them off in full every month

@kingfratetrain7634 3 года назад

I have the lowest limit in this comment section 🙃

@TheCreditShifu 3 года назад

Yet we appreciate you the most. :-)

@kingfratetrain7634 3 года назад

@@TheCreditShifu ❤️❤️❤️

@Saki630 3 года назад

100k+ in credit cards is pointless and he knows it. What he needs to talk about is how he has $200-500k income a year and does credit card points for fun. Just like how you buy 10 coffees for a free one only making 20-50k a year.

3 года назад

🙌🙌🙌

@husobeytr3947 3 года назад

Graham- may I suggest you make SAMHACKSTECHNOLOGY correlating this to the Chinese Credit Scoring System; you know, the system where an entire nation's people are enslaved by their government over systems exactly like this? We need people who have influence to bring to light these types of correlations to get people asking and thinking or we will see ourselves slip into a tyrannical nightmare.