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Credit cards can be a trap! People are drowning in credit card debt. If you can’t pay your credit card off each month you can’t afford to swipe that card! Just paying the minimum amount means your purchases will cost you more for your items. We use to write checks and if you bounced a check the bank called and charged so you better get to the bank and put in extra money because you were charged for every bounced check! We all watched the checkbook balance! Schools and parents need to educate the children about credit cards and the trap they can fall into if they only pay the minimum amount. 👩🏼‍💻

Can you recommend 1 credit can fit into my needs 1. I use $$$ alot on groceries, resturant, and online shopping: i want the most rewards possible. 2. Travel 1-2 year internationally. No foreign transaction fee. I need just one card with good cash back with no annual fees. Please help me to select one.

Can you recommend 1 credit can fit into my needs 1. I use $$$ alot on groceries, resturant, and online shopping: 2. Travel 1-2 year internationally. No foreign transaction fee. I need just one card with good cash back with no annual fees. Please help me to select one.

Hi Jacob Thank you so much for informative videos. Please help me to select two credit cards. One for everyday and the other one for travel I travel internationally 1-2x year. I prefer no annual membership fee I need everyday credit card. I spend majority on groceries, resturants and online shopping. I don't like to carry so many credit cards.. I want simple card I can use for everything. Please help me.😊

You've got the best videos on both the Aviator Red and the Hawaiian Airlines SUBs. I'm in my mid 50s and in the middle of rebuilding for the first time. I had 800s scores many times and for many years back in the day. In the last 6 years I've slowly rebuilt after just walking away after a divorce and being turned off by cards/banks. I am at 770s and banking with good old Chase. Have the Chase trifecta and the apple card. I am very interested in Citi and Barclays both before rebuilding with AmEx. Cleaned up the reports, spotless. Zero late payments last six years. Got denied for Aviator Red 3 weeks ago. Called them and got into the internal system. They approved me for the Red but w/ a small 2k line. I opted not to take it. Waiting to pull the Hawaiian 70k and AA Red 70k at the same time. I think I'll wait til Monday morning, pull the Aviator, then do the Hawaiian in the afternoon. I have Transunion on freeze. I think the denial had a Transunion report from the West coast from several years ago. Now that I'm updated internally with them and on the East Coast it should be good to go. I want these miles for Alaska/American to use for JAL long haul flights from BOS/JFK to Japan and SEAsia. Also good for domestic to LAX and Palm Beach. Wish me luck. Thanks again.

This is way better than the Reddit forum I just came from. I got the sign-up offer for 175,000 MR points so I'm sure I'll have to wait a bit for a retention offer. A lil nervous that AMEX UK is no longer partnered with KrisFlyer. Hope that doesn't happen to us.

For the marriot bonvoy boundless, does the 100,000 bonus points equal 1000$ you can cash out?

For the Mario bonvoy boundless, does 100,000 bonus points mean to can turn that into 1000$ in cash?

I just got approved for the Red Aviator card as well, but I had to transfer some credit from my Hawaiian Miles Barclays card to do so. I just got it for the SUB. Not sure if I will keep it in year two. I couldn't pass up the 70K American miles.

I figured out if I book United using Sapphire Reserve through the chase portal.... I usually get 10x points. Chase 5X which will be 7.5X to book in the future. United 5X just for being a member. Guaranteed to get 7.5X on The Chase. And you'll likely get 5.5 X on the United. That's 13X if you keep reinvesting in the same two. Easy value.

I just got this card. Do you have to pay for the checked bag then they credit you back?

I got the venture one On January 4, 2025and the no fee savor On November 28, 2024. I can’t stomach venture x. So I’m gonna go for the cheaper option for the time being and especially with my job situation being in between jobs. So I completed my version of the duo.

I just got approved too, but with 10x minus credit limite, only $1.500 😭

I currently have the Citi AAdvantage Executive card and I’m thinking about applying for the Aviator Red card in the next 6 months if it even still exists.

I don't think they'll approve for more than 4 ink cards

2x also counts for adding miles to your advantage account

Great vid. For the American Barclays card ik they are inquiry sensitive, you have to have over 5 inquiries on your credit report right? I want to take advantage of the one purchase points and wanted to know if they gave you any trouble with your hard inquiries.

Traveling internationally with that many cards would stress me out 😂 Congrats on the new pick ups

That is a lot of cards to carry in your wallet. Most of my cards sit at home 😂 Enjoy your trip in Indonesia. I just got back from Bali

i thought the white design was better. i got approved for the same one purchase deal and will transfer to alaska. i will have to be conscious about putting a small charge here and there to keep barclays from closing acct. will close it after 1 year.

Nice setup, CSP is a great card for travel spending

What you got against Norwegian Cruise Line? 😂

Thanks for the info + video!

First! HAHAHA...........

Cómo puedo aplicar

Hi Jacob, how are you? Thanks for your video. I got the same message your wife got on her application , mine is under review, what number would you recommend calling and how long would you wait to call ? much appreciated

@Jacob US Bank lies to customers. I got my Altitude Connect Credit card in July of this year, and I had both offers on my account. I took a screenshot. One said 20,000 points in the first 90 days the second said 50,000 points in the first 120 days I satisfied both and US bank only gave me the 50,000 points and refuses to give me the additional 20,000 been fighting for months. Please let your viewers know that now they say I can only get one every five years, even though I have the screenshot with proof. I am about to write the office of the president and report US bank to the FTC

I have both United mile rewards and CSP points. Is it better to book on Chase portal for United flights or just go to United website to book flight? Also is it better to transfer Chase points to United reward miles? Also is saver award on United same as boost travel? Sorry I’m new to all of this as I don’t travel much and will later this year. Thx

do you have the 250k amex business plat link? the one you have up is for 150k

I literally have all these cards except USbank and Wells Fargo.

I get below 5/24 in February but Im really temped by the Hawaiian card.

Hello my name is Andrew I got approved for a five hundred dollar limit that is a visa signature max cash preferred card that is 18.49 to 28.74 credit worthyness annual fee is 0 , due date 24 to 30 for each billing cycle. Is this a good credit card starting off knowing I am 23 years old . Please help me answer this question please and thank you

I'm a wedding to book and pay this year, should I aim for a long 0% APR card or a card where if you pay X$ you get X back in points or cash? Then also what card would that be? Thanks for your time

Do we have any idea when they will stop taking applications for the Barclays American and Hawaiian cards? I'm interested in both but am worried that Barclays would deny me at this current time due to having 1 TransUnion inquiry in the last 3 months, and 3 TU inquiries in the last 12 months. That said, I don't want applications to be closed by the time I'm ready to apply (since we know both cards will be going away some time this year).

Thank you bud!

I'm with American Airlines. I don't have Hawaiian or Alaska Airlines account. Can Hawaiian Airlines miles transfer to American Airlines? I already have the barclay American Airlines. Great job on TH-cam ♥️

Got an interesting history with Amex/Citi... - July 2024 - approved for both Bilt Mastercard and Barclays AA Red Aviator card - September 2024 - denied for Citi Strata Premier @ 2/6, 7/12, 7/24 - October 2024 - denied for Amex Gold 100k + $100 statement credit SUB - November 2024 - denied (again) for Amex Gold 100k + $100 statement credit SUB as offer was ending - December 2024 - approved for Amex Green (standard 40k SUB) - January 2024 - approved for Hilton Surpass on final day of 165k elevated SUB I do have at least $6,000 in travel-related spend coming up over the next 6 months (including hotel stays) so I can easily hit my 2 SUBs and max out the multipliers as well! I figured applying for the second AMEX card couldn't hurt either, as data points suggest Amex only does hard pulls on the first approval. I haven't gotten any automated emails from credit reporting/monitoring services about the Hilton Surpass approval, so I figure it was just a soft pull. This is great, as it will increase my odds of being approved for a Capital One/Citi/Wells Fargo card as my next application in 3-4 months! Finally, even though the Hilton Surpass doesn't have a FNC certificate (unlike my IHG Premier), I figure it's still a keeper card, as Hilton gift cards qualify for the $50 quarterly statement credits. $200 (minus $8 in shipping costs) > $150 annual fee in my book!

Got the Amex gold last year with 150k bonus and got those point and just got my platinum 2 days ago for 250k bonus

Jacob, I just filled out the application for the Barclays Aviator Card using your link. I hit submit, and nothing happened. An icon just swirled around for a few seconds, and that was it. No responds!

Thank you for another great video! Also, the 200k biz Gold is still available ( I have a targeted referral)

I'm trying to post a link for 200k Amex Biz Gold. But it's not showing up.

The employee id are on Frequent Miler's website. A lady left it in the comment section.

Jacob- thanks for the info between my Hilton aspire getting me $50 a month towards United travel bank, I think the next cards I’ll apply for in the next year or two will be within the UNITED ecosystem!!

Jacob! I wanted to apply for the United Club Card for the 90k miles but I am way over 5/24. I product changed last night from the Mileage Plus to the Club card because I fly United all the time. I can’t wait to use the perks and IHG status that it comes with. Thank you for your great content as always! I appreciate you!

I got the Red Aviator in December and the Alaska this month. I already have the Hawaiian card, but I may have my wife apply for her own once we meet the Alaska sign up bonus.

I woudnt apply for a chase card without asking at a branch what offers they have

First to get on these as always!

Points can be misleading because they control the exchange rate to $, also avoid chase travel

You can always get an amazon gift card to reach your spending and still earn points

This happened to me just recently. I opened 3 Ink cards last year, but they were all spaced out about 3 months apart. Would refer Inks back in forth with my P2, so we opened 6 Inks between the two of us (each spaced out ~3 months for each person). I applied for another Ink and was denied, then (maybe foolishly) applied and was denied for a Sapphire Preferred. What’s crazy is I’m 0/24 and we’ve banked with Chase since 2019. Unfortunately, my P2 is 2/24 and various online tools suggest cards from a different ecosystem for her. But not sure about the next move - maybe I we should just cool it for a while. Either way, it’s got me nervous for another Chase app and there are moments each year we have planned big spends that I’d really like to apply toward a SUB.