How to Get APPROVED For ANY Credit Card (3 Steps)

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In this video, we go over how to get approved for any credit card and avoid getting your credit card application denied. These credit card tips, including how to call a credit card reconsideration line, should greatly improve your chances for approval! Click "Show More" to see Ad Disclosure.
So in order to apply for credit cards, it’s important to first follow 3 steps that will provide you with the right information and give you the best approval odds. We want to identify things like our credit score, income, and more so that we know what credit cards we can qualify for. It’s also important to optimize for these things before we apply for certain credit cards if they are currently not where we want them to be.
This video is going to go over everything to know about the credit card application and credit card approval process, as well as what to do if you actually have your credit card application denied at first. There are numbers that you can call for each issuer for credit card reconsideration, so I’ll go over how to approach these calls to give yourself a very good chance at getting your credit card denial reversed.
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1 июн 2022

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Комментарии : 169

@everettedl Год назад

Everything Daniel said here is true. I definitely emphasize calling the reconsideration line if you're denied, particularly if you have followed the steps listed in this video. I've been denied for all three Chase cards I've applied for initially. In my case, the computer algorithm didn't like me for whatever reason, but explaining my situation to a person resulted in me getting approved each time. The representative can have insights that the algorithm may miss and each time, I got the impression that they want to help you out, as long as you can show you're safe to lend to. Of course your mileage may vary, but definitely give them a call if you get denied.

@mattskord9178 Год назад

Got denied for both basic citi cards but had seen your videos months before to have the reconsideration line in my back pocket, ended up getting approved for both with little to no persuasion. Thanks! (For reference, these were over the last eight months not both just now haha)

@chivis843 2 года назад

I just got my approved for my 3rd card this year, I got the Chase Freedom Unlimited. Didn't get instantly approved. So I called the reconsideration line a few weeks later and got approved. This is my first year building credit so far I have the Discover it, Amex Blue Cash and now the CFU. Next is wait 6 months to a year and apply for Amex Gold or the Chase Sapphire Preferred. 👍Thanks for the videos super helpful !

@junito2498 Год назад

I'm soon to be 24 with seven credit cards with a 2.5 years of average age. I've never been denied but you better bet I'm calling reconsideration line if I ever get denied lol. All the hard work and discipline I've put in with my cards to keep a high score (high 700's), my ego just wouldn't let me let it pass... I'm done with credit cards aplication for now, last card I applied was November last year. I have the cash back cards I needed (both Freedoms, Custom Cash, Discover It, US Bank Cash Plus, Amazon Prime...) just want my average age to grow 💪🏾

@derspieler11 2 года назад

Hey there! First things first, you probably can't even imagine how much you're helping other people with your videos. The quality is good, as is the information. Now, I do like the content you make, and as an American you only know how things work in America, but is the (general, non-US-specific information) true for other countries as well? If not, do you know of any way to get reliable and easy to understand info about all that?

@nickporter9264 Год назад

When I applied for the Chase Freedom Unlimited I was initially denied. I had only had one credit card with a low limit that I had accidentally maxed out once. I called the reconsideration line and they told me that my available credit was too low for the card. I asked if I could have a lower credit limit and they approved my application. Ask and you shall receive (within reason of course).

@FinancialFreedomMadeSimple 2 года назад

Great information.

@raginkwoissant9261 Год назад

Appreciate your videos! I have always paid only with a debit card and that made sense to me at the time. Your videos have been enlightening to a new way to think about finances. I recently applied for the Amex Gold card and Chase Freedom Flex. My goal is to complete the Chase Trifecta first to avoid the 5/24 rule. I was wondering your thoughts on how soon is too soon to apply for subsequent cards in the set up to avoid raising eye brows and limit my risk of denial.

@TakiylaTheInfluencer Год назад

Thank you!!❤️❤️

@CalbyNg 2 года назад

I was denied for the Chase Freedom Flex at first, but after I called the reconsideration line, I moved some of my credit limits around and was approved.

@Daniel_Braun 2 года назад

That's awesome, that't the way to use the reconsideration line to your advantage!

@masterfox3539 Год назад

What is the reconsideration line?

@MasterpieceFinance 2 года назад

Building credit is one of the key ways to be successful financially! Great video Daniel!

@Daniel_Braun 2 года назад

Totally agree! Thanks so much for watching!

@aaroneth4733 Год назад

I just got approved for my 3rd card at 19. Thanks to your videos!!!

@ajenos5028 Год назад

U dead ass

@kenn4457 2 месяца назад

What are those cards

@MannyCovington 2 года назад

Great tips for applying for new credit cards!

@nickc3213 2 года назад

Just got my first Chase card! Lets go, went from a 590 in April to a 748 mid July. I knew I would get approved, still super stoked! Will probably be getting more cards later on

@peterwoods8880 Год назад

How did you increase your score so quickly??

@Sheen_BK 8 месяцев назад

Exactly.

@creditlessons 2 месяца назад

🧢. Chase is not issuing credit cards to people with 590 fico scores.

@NathanDuong2023 3 месяца назад

That is a bold statement.

@michaelstrengthmoreno3682 Год назад

Thanks Man! This video is Great soo much info! 🙌🏽

@hanchardjo 2 года назад

Great info sir 👍👍👍

@oaj1502 2 года назад

maybe i missed it but you didnt mention that with some companies like capital one, if you already applied for a card within a certain time frame then any new applications will automatically be denied. amex does something similar where if you have been denied within the last 30 days you cant apply until that period is over

@AngelLove-wn8gp Год назад

Is it possible to get approved for cards that you had a previous collection with and disputed the item ?

@Giiiovany 2 года назад

nice 👍🏼

@michaelmoreno3730 11 месяцев назад

These video endings are too good at getting me to click on the link for the next video 😭

@DocDera Год назад

Thank you for this video Daniel. I'm so new to the credit card world but with the help of your videos, have learned a ton. I applied for my first credit card (with no annual fee and checklisted all your recommendations) but now know to at least call the reconsideration line before giving up. I hope I get approved. thanks.

@Theturbobooster Год назад

Me and u basically have the same thing happening cause im new to😅 got approved for my first credit card out of nowhere a week after my birthday last y😂

@unwindingplace7556 7 месяцев назад

What do you say?

@mehedihasan7293 10 месяцев назад

This is a very nice and interesting vedio

@saske6840 2 года назад

Couple months tried applying for chase credit card as a first time and so revived a letter that stated that I was denied due bc my birth certificate name and SS name were identified different so on I went to the DMV, and fixed it. Wondering on how can I reapply??

@princessmeganelsa8952 2 года назад

Helpful tips! Finly got granted for new platlium card rewards 😄😄💗

@Daniel_Braun 2 года назад

Glad to hear the tips were helpful! Thanks 👍

@badassuchiha4875 5 месяцев назад

I want a Card with No Credit History but still announced your Spending Habits & that's for any Credit Score has a great Balance Transfer deal

@emmalarson 11 месяцев назад

I got denied for the Chase Sapphire Preferred. Their reasoning was they thought the application was fraudulent, even though I submitted my passport, ID, birth certificate, and utility bill to prove my identity. I called customer service and she told me the documents weren't good enough. I should have asked to speak to someone else but I was so confused and frustrated I just let it be. Maybe I'll try again in a year or so.

@abesapien9930 9 месяцев назад

Something that I wish credit issuers would look at is whether your credit score is trending up or trending down over the past 12 months. I'd be more willing to give a credit card to somebody who is a rising 550, than somebody who is a tanking 630.

@draggabeats 2 года назад

My Credit Union’s Credit Card is so clutch.

@dylandalka8700 2 года назад

What’s the best card to use for military. No annual fee and travel 2 times a year minimum for 2 weeks at a time.

@coachpanda1073 2 года назад

You are the homie

@masterfox3539 Год назад

Can I apply for wells fargo credit cafd if I am not a resident permanent? I have discover, citi, but wells fargo 😢

@masterclassbeatassclapyour7698 Год назад

2:41 how tf do you get credit score if you have no credit card?????

@justintranzii 2 года назад

I turned 18 May 26th, and was afraid of credit cards and credit scores. Though thanks to your videos I applied for my first credit card on May 31st after binge watching your channel, I decided to apply for the Chase Freedom Unlimited and got instantly approved for a $1,500 credit limit. I was surprised with how high my starting limit was, but I think its also thanks to the fact all my W2 Direct Deposits from my job go to my Chase Checking account, so I already have a relationship with Chase. I want to eventually go for a Chase Trifecta, adding on the Flex and Saphire Preferred I think, when do you think I should apply for the Flex and then the Saphire? Thank you!

@aryanbhagwat8535 2 года назад

I turned 18 this March and started with a 500 limit freedom unlimited, then after 2-3 months applied for an Amex platinum and delta using the Amex apply without impact to score. Next I applied for a CSP and British airways card. I might just be an outlier data point but I believe that if you have a good banking and maybe even savings history with chase it definitely helps. As long as you can prove a decent income and have a good banking history with chase I believe that it’s certainly possible for you to get those cards with little history. I will say though what I did is very risky and I probably would never try something like this again also most of the chase apps were initially declined and I managed to succeed through recon whereas Amex was instant. I also had an authorized user card for 3 years with a 3500 limit and I remember the underwriters from chase telling me that they like to see how customers handle certain limits before issuing a higher limits on their end. If anything I’d recommend going with Amex since they seem to be easier to get approved and can process your app without putting a hard inquiry if you get the special msg in incognito mode. However if you choose to go for a sapphire card, while it is very difficult, it’s not impossible to get approved. Be aware of the chase rules and I wish all the best on your credit card journey!

@justintranzii 2 года назад

@@aryanbhagwat8535 Oh interesting, thanks for the reply!

@Frxnando Год назад

Good on you! I got my first card at 19 about 2 years ago and I also was afraid. It’s good that we’re starting to build our history at an early age we’re definitely setting ourselves up for success and the future !

@kristiebatista6593 Год назад

when i get denied my heart falls to the floor. lmao i had to come see this because im here sad.

@CoachStaci 8 месяцев назад

Chase is very difficult to get approved for!

@Sweetwyne Год назад

I applied to the chase freedom unlimited in July but was denied, prior to this (in may I believe) I was scammed trying to buy a car, is this permanently going to keep me from being about to get a card or should I just apply again this month?

@DoorDashers791 2 года назад

Unfortunately transunion denied me.

@poloking3478 2 года назад

Daniel, I got the Sapphire 4 months ago and got the intro bonus. I want to get the Unlimited to complete the trifecta, should I wait longer to apply for it? I’m out of 5/24, have good credit score, and income. My only thing is the waiting game.

@nahoou 2 года назад

What was the turn out?

@scotb7352 2 года назад

Would love to know how it turned out

@bebejesisoto Год назад

How does reconsideration work? because i tried before and thye say oh unfortunately u applied online because of that we cannot help you! You are more than welcome to apply again withinn a short amount of time like wth.

@mordymitrani4187 2 года назад

I wanted to get the Chase trifecta and was denied the Flex card after getting the Sapphire preferred and the Unlimited card. Can I reapply and how long should I wait if so?

@nahoou 2 года назад

How long between the preferred and the unlimited?

@joulesblameless7623 2 года назад

Great video. Using your advice I got the venture x card and working on the intro bonus.

@simbanuba 2 года назад

6!!! Thanks for another great video Daniel!

@Daniel_Braun 2 года назад

Thanks so much Paul, appreciate the support as always! 👍

@brandonrizzo9575 2 года назад

I got denied for the freedom unlimited and flex but got them to approve me for the freedom unlimited after I called

@user-fs8qw3pc4r 8 месяцев назад

I don't have this problem anymore

@DavidODST Год назад

Just got denied for the Amex Blue Cash Preffered. Said credit was too low at 769.

@vybesrum3195 3 месяца назад

Cap.

@JoseRojasYT 2 года назад

I need to get approved for an AMEX black card ASAP. 😅

@mystrizo 2 года назад

I agree

@CreditOneSux 2 года назад

With a special edition version of the card with no $10,000 activation or $5,000 annual fee 😂

@Daniel_Braun 2 года назад

Haha that’s one card that definitely going to take a lot of optimizing for in terms on spending a ton each year!

@newsnowadirondacksredux360 2 года назад

I will make you an additional user.

@JonAllenMichael 2 года назад

@@CheekyBird790 Not to mention that in a lot of ways the Platinum Card has more bang for your buck in terms of rewards imo. The Platinum Card racks up points quicker vs the paltry 1x points (or 1.5 if the purchase is larger than $5,000) that the Centurion can provide, and the complimentary benefits that you get with Centurion, while nice, aren't worth it for the price you have to pay for it unless if you are already filthy rich. And if you already have that level of money, why are you renting from Hertz anyways?

@dbest4755 Год назад

Daniel - I dread denial letters

@PointsInbound 2 года назад

Didn't you say you were going to get a new pillow? I like it👍

@coryramos2158 2 года назад

Thanks for the info Daniel! Stuff we didn’t ever think nor had anyone to teach us in school or in life. I just finished and graduated with my Bachelors of cyber security and information tech. Just received a huge pay increase, so hoping to now lower my utilization on my cards, then hope within the next couple of months to possible get my first travel card!

@Jes1919 Год назад

I am in school for cybersecurity as well. What school did you graduate from? I am currently at WGU.

@coryramos2158 Год назад

@@Jes1919 I just graduated in May of this year. University of South Florida. Best of luck to you Josh!

@Jes1919 Год назад

@@coryramos2158 I oeginally went to USF, but they didn’t include certifications paid for by the school. WGU pays for all the certs for example, Network+.

@coryramos2158 Год назад

@@Jes1919 awesome man. Yea with my degree that opened a lot of doors for me and allowed me to move up further in my company. Beyond thankful for that. I already have IT experience and was able to get my foot in the door with my company when I went to technical school. But once I received my degree, that helped me a lot. I don’t have certs right now but hopefully one day. Cheers

@Jes1919 Год назад

@@coryramos2158 that’s great Cory. Wishing you the best of luck!

@bryontharp5790 Год назад

Several years

@josferdejesus-acuna114 Год назад

Hey Daniel, do you think it is smart to try and get the Chase trifecta at the same time to avoid multiple hard inquiries? Not sure if you have a video answering this question

@JoseMartinez-hd1om 8 месяцев назад

Quick question whats the optional payment security program and is it worth it on a credit card?

@bobdobbs7828 Год назад

Do installment loans really matter? Would it be worth my time to get a personal loan just to further build my credit?

@spartaleonidas7132 Год назад

You really shouldn't use a personal loan because you'll be paying interest. If you don't have the money, I would aim for a 0% APR card if you must buy it immediately. Otherwise, I would wait. Loans do matter, and will generally reduce your score until some time has been spent (the balance decreases, and payment history)

@newsnowadirondacksredux360 2 года назад

Good information

@Miggy2222 2 года назад

I just got denied for the Venture X due too many (recent) revolving accounts. I got the Amex Plat & Gold in March, and I am now like 10/24. I currently have the savor and quicksilver (from many years ago) with Capital One. Any thoughts on how long I should hold off before reapplying, or do you think the reconsideration line might be worth a shot due to my denial reason?

@Anthonyjones-pq4ff 2 года назад

Hey when you apply for the Amex platinum did you also apply at the same for the gold I apply for the gold got it in nose trying for the Amex platinum but like you I too got turned down too many open account in short period I’m over for chase 5/24 rule Lol how this credit thing works

@Miggy2222 2 года назад

@@Anthonyjones-pq4ff I applied for the Plat first and then the Gold like 2 weeks later

@jonathanmicday1620 Год назад

Get the mission lane not anual fee. I have capital one platinum, and Savor when I did my application with a kind of lower score and I got it.

@peterchen632 3 месяца назад

You applied for too many in order to get sign up bonuses

@tangoingthekitchen Год назад

what are you options when you can't even get pre-aproval for a credit card?

@higiniomorales459 Год назад

Pray...

@ReeRee8688 6 дней назад

What if you’re a stay at home parent? Do I put my spouse’s income??

@SugarweaselDad23 2 года назад

Hey I have a question I am pre approved for multiple citi cards and capital one venture one card and Amex gold and a few others now how does that work if apply for multiple cards on the same day does that tank your score

@lebisque9194 2 года назад

Based on some of the information I've seen on FB credit groups, you'll want to do some research on those bank offers. Meaning, which agencies (CRAs) they pull from to help you get the least amount of inquiries and you'd apply for say, Chase and Amex last as they are less strict about the number of inquiries needed to approve you. Your score will go down for a bit, but inquiries hold less weight than available credit (higher credit limits lower your utilization and that weighs much heavier than inquiries do). There are plenty of videos on your question on RU-vid as well. See Radikal Marketer

@SugarweaselDad23 2 года назад

@@lebisque9194 thanks so much for the helpful information thats a big help I need to get my utilization down then I'm at 72% and my score is 702 but I just got an increase of 1000$ and I just paid 400$ on the cards so that should get me under 45% utilization I'm pretty sure I can get the total for the 2 cards under 30% by the next report

@Gnarp_gnarpX3 Год назад

I get denied because of low credit

@SpencerJohnsonOfficial 2 года назад

This was a very practical video which I really appreciate. The title really made me wanna click and you definitely delivered on it. I think a big part of being approved for cards is to really dive into the identifying step. Sometimes we get caught up in thinking we deserve certain cards without putting in enough due diligence on the front end to see if that is actually the case. Identifying which cards are right for you (and if you are likely to be approved) is a key step in the credit card application process! Great video as always!

@mefistofelessantiago4332 2 года назад

Thanks for the video. I just got my credit score over 700. I want the Chase Freedom Unlimited, but I'm afraid to apply and get denied XD I'm almost 40 and began to understand credit about 10 years ago. It was horrible for me I was at 480. I started little by little and now got my credit over 760. This videos are a must see for every young person. You are doing an amazing job. BTW got approved for my first Chase Cars today and must of that was thanks to you!

@swagmasta4764 2 года назад

If you have a credit history of at least 12 months or have a current banning relationship with Chase, you should be able to get approved. Good luck 🤞

@mefistofelessantiago4332 2 года назад

@@swagmasta4764 I went straight for the Sapphire preferred and got approved. Thanks.

@636pilot3 2 года назад

I was recently approved for the CSP after calling the reconsideration line. It was the last card I wanted to open since I was under the 5/24 personally. Chase had sent 2 pre-selected packages in the mail so I took it as a sign, after applying I was initially denied but called the reconsideration line and learned that my wife had me as an authorized user for a card that put me over 5/24 for a brief moment. After I explained that I wasn’t financially responsible for the card, they re-reviewed my application, w/o another hard pull, and I was approved. The call was around 45 minutes but was worth it, I’m happy to have my second card with Chase considering all the changes coming.

@snbifb8293 2 года назад

I got denied for the Apple Card 3 times. Then when I applied for the Freedom Unlimited card I got a “needs further review, we’ll let you know” notice and got approved a few days later. Going off your advise I’ll wait awhile before applying for another card

@happy_healthy20 2 года назад

Were you already a credit card holder before you got the Freedom unlimited?

@snbifb8293 2 года назад

@@happy_healthy20 I was an authorized user under my brother for awhile but never had a card of my own until I got the freedom unlimited

@Calabrai Год назад

I have a good friend, his credit is 690 ,mine is 841 he wants to be put on one of my CC as AU , he wants the card, to use , but will pay complete bal each month . Is this smart. To raise his score.

@daspicsman Год назад

Hell no! Never do financial business with friends. It never ends well.

@ambergenae Год назад

NOOOOOOO!!!!!! You can add him as an authorized user but DO NOT give him the card, no matter how much you trust him. Recipe for disaster!!!

@DavidODST Год назад

Nope! Hope you didn’t do it

@sonictonic_ 2 года назад

Another great video, Daniel! :) I've called recon a couple times, but the only time I was successful was with Discover - and I was so annoyed too, lol - because they randomly LOWERED my CL. After escalating to recon they said the system will do this periodically on a lot of factors, but once they confirmed m income and a couple other basics she was able to restore the CL to what it was. :P

@fbx03 2 года назад

whoo! glad i saw this right after i got turned down for a CSP. just called for reconsideration.

@jtsandig 2 года назад

I got denied chase freedom unlimited because I was impatient and got a couple of cards the month before. I was still under the 5/24 rule so I thought why not. I called the reconsideration line and they still denied me unfortunately. fast forward 2 months and I applied for sapphire preferred because of the points and got approved. It's best to definitely wait and be patient. I'm going to wait until I at least get my current sign up bonus and another month before I try the freedom unlimited again

@seananderson2195 2 года назад

Pretty sure this happened to me just now lol. I tried for the Marriott Bonvoy card after just getting the Freedom Flex and CSR. I’m currently under “pending further review” so hopefully they come back with the approval.

@AFJojo 2 года назад

Nice!

@spencer8035 2 года назад

i feel

@landanhall5452 2 года назад

does the chase freedom flex have an minimum income requirement of 10,000?

@swagmasta4764 2 года назад

Idk if you are referring to credit limit, but neither of the Freedom Cards have a 10,000 minimum credit limit. The minimum credit limit for those cards is $500

@docsays 2 года назад

visa minimum limits: visa - $500 visa signature - $5000 visa infinite - $10,000

@anthonygardner400 2 года назад

Hey Daniel. Really sound advice. I actually had a surprise a few months ago when the Venture X came out. I can't remember the last time I was denied for a card, but they denied me! I think I had everything in order - 817 FICO, 1% utilization, only one recent inquiry, etc. So, I tried the reconsideration line, but wasn't successful. Finally, when I got my denial letter in the mail, the reason they gave was that I had too many cards. I didn't even know that was a thing! The real reason may have been that I already have a Venture card with a high credit limit, but I rarely use it. Oh well, I guess I'm not what they are looking for! Talk to you soon.

@karlasaenz6512 2 года назад

Omg how many cards do you have?

@anthonygardner400 2 года назад

@@karlasaenz6512 lol. 13.

@hulkuleezthelegend7852 2 года назад

@@anthonygardner400 just pay off your balances and close some accounts when it's down

@anthonygardner400 2 года назад

@Shawn S I have a solid set of Chase cards, so I think I’ll do exactly as you said. Sit tight and let Capital One pass. :)

@Barry17599 2 года назад

@Daniel_Braun 2 года назад

Thanks for watching Brittany!

@yaya5tim 2 года назад

I just got my sapphire preferred approved, but there's something concerns me, my credit score in my banking app shows I have 750+ credit score, but the letter of my approved sapphire preferred said the day I applied, my credit score is only 690+ Is it because I'm the authorized user of my family's credit card? If so, shouldn't they use my family's credit score instead of my to measure the chances of me getting approved?

@_CookieJAR_ 2 года назад

Your authorized user card is part of your own credit history. If you’re applying for your own credit card, they only need your score. They don’t need your family’s history or score. What bureau is pulled for the 750+? What bureau was pulled when you applied? Scores will vary from bureau to bureau, and different scoring models will add to that variation.

@docsays 2 года назад

- often the bank apps use a vantage score, which tends to be inflated, whereas the lender will pull one of the different fico models: fico 8, 9, 10, or bankcard 5, etc. there are a bunch of them.

@Oneeyefroggy 2 года назад

This same thing happened to me. My chase app says I have a score of 758 but my application said my score was 708. I was pretty annoyed by that, since both scores were from chase. It’s not like credit karma told me one number and transunion told me another. I know they vary, but 50 points seems like a huge difference.

@lianalonge1984 2 года назад

It depends on which FICO score they used. There’s the FICO 8 vs FICO 9, and the variance between the two can be rather large. There’s also FICO vs Vantagescore. I NEVER pay attention to Vantagescore.

@sjg6158 2 года назад

In agreement, going with a simple, no annual fee card first and then building out from there, but not overdoing it. Excellent!

@yechenzhu8534 2 года назад

I don’t have a FICO score(5 months credit history) but in credit karma, My score is 664 & 673. In the Chase app, my score is 680. Can I successfully apply for Citi Custom Cash Credit Card? (Currently, I have four credit cards with a total of 7000 limits.) And I have another question in terms of income, will the bank check whether the income I write is accurate?

@Mr.305_ 2 года назад

Don’t think so, I also have 5 months but two credit cards and wasn’t pre approved atleast. & What cards do you have?

@yechenzhu8534 2 года назад

@@Mr.305_ when i check citi pre approval，citi says cannot find any match. So I am worried.

@kevinrodriguez9659 2 года назад

Don’t think so, for the citi cards, atleast the ones worth having you need you need a 700+ but if you want outstanding chances, you need atleast 720, same goes for some of the chase cards or any cards worth having at all.

@michaeldowning7094 2 года назад

You need to check Fico 8 scores and bankcard scores

@yechenzhu8534 2 года назад

@@kevinrodriguez9659 i have Chase Flex with only four credit history. I can successfully get it with 2800 credit limit maybe just because I have Chase checking account（2000 dollars）

@winstonwilson6373 2 года назад

Amex has given me pre-approved offers for the Amex Platinum Business card and Amex Gold Business card. I cannot afford to pay for the $695 annual fee for the Platinum Business card and $295 annual fee for the Gold Business card. I was thinking about applying for the Amex Blue Business Plus. Amex offered me a pre-approved loan for $3,500. I applied for this offer early May and was approved for my first personal loan ever. Should I wait for at least 91 days until I apply for an Amex card?

@popap1995 2 года назад

@Daniel_Braun 2 года назад

🥇 you got it Paul, thanks for the early view and comment!

@sandropereira6344 2 года назад

Greatings. Whats your recomendation for those who want to have one good CC to buy flights and later redeem points, and live in Europe?

@juliefaulkner5497 2 месяца назад

Please do not encourage the use of credit cards, it is best to live within your means, all that interest that has to be paid back, have been there done it and worn the t-shirt,

@cooperraleigh 19 дней назад

Just because they didn’t work for you doesn’t mean they don’t work for everyone. If you can manage finances and live within your means but also hold credit cards that is great too. I have credit cards and only ever pay the statement balance negating the interest. Because the interest only accrues if you carry a balance. If you can’t afford to pay the balance in full each month than a credit card is not for you. If you can both live within your means, hold credit cards and pay the balance you will be fine.

@Anthonyjones-pq4ff 2 года назад

I’ve apply for citi card turn flat down Called in nothing at all no Help in I was really honest in nice . For now look at two card in that’s it have too wait like you said in be patient

@SuperPinguino14 2 года назад

I Have 3 Hard inquiries Do And Have A 786 Credit Score. Do You guy think I can away with getting approved for a Sapphire Preferred? Amex Gold Card, Chase Freedom Flex And Freedom Unlimited are the other 2 Cards. April 30th Gold Card, May 14th Freedom Flex and May 24th Freedom Unlimited? I also know Chase Has A 2/30 Rule Which I’ll wait maybe Until Day 40 to apply. 100% Payment History and 2% Credit Utilization.

@Noneofthedays 2 года назад

That seems like a sure thing to me. You can check your Chase account for offers, and they might even have it there for you with an interest rate, ready to go. That’s what it was like for me, and I have similar numbers.

@SuperPinguino14 2 года назад

Thank You So much! I really appreciate that.

@tooeasy1504 2 года назад

Looks like Daniels in a wheelchair. 😄

@phish_1 Год назад

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!

@svetlanadayal3310 7 месяцев назад

Credit is not a privilege, but a right! Your teachings are completely incorrect

@tarrius1210 Год назад

I Only been with Chase for less than a month and was able to get approved for 3 credit cards. I just RECENTLY used their reconsideration line to get approved for the Chase sapphire preferred and I got approved! #ChaseTrifecta