Thanks to this Chanel,(And alot of motivation, bless up Vergil)ive gotten my credit card down from a 80ish percent utilization down to around 22 percent in around 2 months, im almost there, then i can restart and play the game properly
Keep going my dude. Thanks to this channel (and some others like this) I pay off my card at the end of each month and I'm stacking points on points on points. My credit score is over 800 and I never thought I'd be there.
This is a good video for DINKS or single ppl. For people with a child or children the amount of points needed to go somewhere say, the Maldives, crazy amount! I am trying to take my family of 4 to Maldives in 2025 including hotel and I need about 800k pts, doable but will take many cards. Another issue is even if you do get business cards that counts as a hard inquiry and can drop your credit and ruin any other big spending you want to do in the future. Take a lot of planning and strategy to make all this work out in your favor ESPECIALLY with a family. Holding the pts also makes them less valuable all the time so the more i learn about the cc game the more I am realizing it is catered mostly to ppl without families.
Excellent! And: can you show a comparison chart of all top personal cards and another chart for all the top bussiness cards; you could even divide the charts for 2 types: Travel oriented ones, and Cashback oriented ones. 😊
personal flavor, 100% agree absolute pain to get value from. business flavor though much easier to get value from the credits especially if your 'business' is a business LOL
you can get good value from it, by using it as a non commitment hotel card . Stay either at Marriott or Hilton gain points and status or any random hotel in the portal and get status with them. If you're a truck driver it works GREAT.
Please help John. I need a card as a restaurant owner, who has around 50k in food/beverages expenses per month. I’d like to max out on these expenses. Unfortunately “food reps and beverage reps” don’t fall under dining or grocery categories. What card would work best for me?
@@dbnation35 yes and no. The best card is the venture x business card. It’s 2x back on all purchases up to infinity purchases. The catch is you have to pay the full balance every month. I got declined for the card though because my business hasn’t established a credit history yet.
The method most TH-cam videos pointed to isn’t really working for fixing your credit and getting rid of bad items off reports or increasing credit limit & line of credit.. *Future imperative corps* is the solution to all bad credit score, negative & derogatory items on reports or increasing credit limits👌
Their abilities to swiftly resolve issues with credit distinguish them from others. You’re the best *future imperative corps* keep up the good work and thanks for fixing people’s credit.
Their name is spelt as *Future imperative corps* … They’re specialized with finance, credit scores, credit cards and limits, tradelines, line of credit etc😊..
I absolutely hate how u showed the card after u explained made me feel like I was missing something all the way til u showed the card then after u showed the card I forgot everything u said about it
Most of these are charge cards, so you have to pay off the full balance at EOM, except the Chase Business Preferred, which is a month-to-month balance.
I’ve applied ur tips when I could when paying my credit cards. I closed 1 that I wasn’t good on paying on. And as of rn my score is 704! Im 19 and I’ve been trying to get my own place to live. Do you think I would be able to use bilt credit card for rent? Other than that I’m thinking abt trying to get a 2% cash back credit card. And possibly Amex’s 6% cash back on groceries
I have had a JB plus personal card for years- I don't use it too much except for buying food on my flights. Also the free bag as I fly them a lot from my home airport JFK. Are the benefits the same on both?
Hey John, I’m looking for a recommendation on a card. I have an independent commercial insurance agency. I’m currently just a 1 man operation. My overheard is minimal, I spend maybe $2,000-$3,000 per month. My expenses rank in order from greatest to least -Gas -Dining prospects -Office supplies -Website/hosting -Microsoft subscription My fiancé and I fly to a vacation maybe once per year. If I can use rewards from a card to cover some of that great or if I can just get decent cash back… great. Are there any cards that you would recommend for my specific situation? Thanks
Questions: i have points on Chase ink Business Premier, i have points on there but i dont see any option of transfer these point to another Airline, if i just spend the point from chase and use chase to book airline, i feel im only getting 1:1 ratio which make no diff if i just cash those point out in cash
I'm thinking about applying for Chase Ink Cash. Would it be a problem if I used it to buy lumber to hit the 6k faster? This would be my first business cc, so I'm not familiar on the rules. Do people actually use this card as a personal cc even though its a business? Does it get reported to the IRS?
Thanks for this very informative video John! 👍🏼 I have 5 personal credit cards that i get in the last 2 years so i m at the limit of the Chase 5/24 rules can i still apply for a Ink card or i need to be below 5 cards?
You need to be below 5/24 unless one of the cards are a biz cards or authorized user ….or you received a chase preapproval …just my case I got initially denied for the co branded prime visa at 5/24 however I was approved by calling in and having two other chase cards … now I’m waiting 6 months to grab that biz card getting my score up to at least 745 I’m at 717 just my data points hope this helps ! Thks
Check out John’s other videos, he has one for beginner CCs. I’d suggest the Discover iT secured CC, that’s what I got my 19yr old brother on to start building his credit score. “Your secured credit card requires a refundable security deposit, and your credit line will equal your deposit amount, starting at $200. You choose the deposit amount up to the credit line approved.” I believe he’s in mid 700 score now. Of course the most important thing is to not spend more than you have saved to cover what you put on card. Always, always payoff the CC in full every month.
Hi John. I started investing in US ETFs after watching your videos and you really helped me a lot. But as a beginner, I don't know if I should constantly invest in the US ETFs regardless the pricing (especially bevause the price is very high now) or should I wait for the price to dip ? I'm very confused and don't know what to do. Hopefully you can give me some advice. Thanks a lot !! 🙏
I respectfully disagree. The Amex Platinum offers value through its credits ($200 airline credit, $200 hotel credit, $200 Uber credit, etc.) It’s a card for frequent travelers who want to maximize earnings on booking flights. The annual fee is definitely pretty steep, but if you’re able to make use of the credits then you can easily offset it.
Please add in the description that most of these cards are best for travel purposes
Thanks to this Chanel,(And alot of motivation, bless up Vergil)ive gotten my credit card down from a 80ish percent utilization down to around 22 percent in around 2 months, im almost there, then i can restart and play the game properly
Keep going my dude. Thanks to this channel (and some others like this) I pay off my card at the end of each month and I'm stacking points on points on points. My credit score is over 800 and I never thought I'd be there.
I went from high 40s to 1 percent
This is a good video for DINKS or single ppl. For people with a child or children the amount of points needed to go somewhere say, the Maldives, crazy amount! I am trying to take my family of 4 to Maldives in 2025 including hotel and I need about 800k pts, doable but will take many cards. Another issue is even if you do get business cards that counts as a hard inquiry and can drop your credit and ruin any other big spending you want to do in the future. Take a lot of planning and strategy to make all this work out in your favor ESPECIALLY with a family. Holding the pts also makes them less valuable all the time so the more i learn about the cc game the more I am realizing it is catered mostly to ppl without families.
Yup cash back for families.
Im not sure what’s wrong with many cards. Could you elaborate?
Excellent! And: can you show a comparison chart of all top personal cards and another chart for all the top bussiness cards; you could even divide the charts for 2 types: Travel oriented ones, and Cashback oriented ones. 😊
Great video ❤
Platinum is so trash. Unless you travel, it is one of the worst premium cards out there
personal flavor, 100% agree absolute pain to get value from. business flavor though much easier to get value from the credits especially if your 'business' is a business LOL
What's the point in a premium, high annual fee credit card if you don't travel?
you can get good value from it, by using it as a non commitment hotel card . Stay either at Marriott or Hilton gain points and status or any random hotel in the portal and get status with them. If you're a truck driver it works GREAT.
why have a travel card if you don't travel?
When you quote these mileage for business class. Are you referring to round trip or one way
Please help John. I need a card as a restaurant owner, who has around 50k in food/beverages expenses per month. I’d like to max out on these expenses. Unfortunately “food reps and beverage reps” don’t fall under dining or grocery categories. What card would work best for me?
I'm in the same boat. Have you figured anything out yet?
@@dbnation35 yes and no. The best card is the venture x business card. It’s 2x back on all purchases up to infinity purchases. The catch is you have to pay the full balance every month. I got declined for the card though because my business hasn’t established a credit history yet.
Can you do a video on Canadian credit cards, please.
Thanks!
The method most TH-cam videos pointed to isn’t really working for fixing your credit and getting rid of bad items off reports or increasing credit limit & line of credit.. *Future imperative corps* is the solution to all bad credit score, negative & derogatory items on reports or increasing credit limits👌
Their abilities to swiftly resolve issues with credit distinguish them from others. You’re the best *future imperative corps* keep up the good work and thanks for fixing people’s credit.
Their name is spelt as *Future imperative corps* … They’re specialized with finance, credit scores, credit cards and limits, tradelines, line of credit etc😊..
I’m glad to get the privilege to get to know about their name and looked it up online.
*All you just need to do is just to look their name up online to see their website*
I absolutely hate how u showed the card after u explained made me feel like I was missing something all the way til u showed the card then after u showed the card I forgot everything u said about it
I liked it
So which one is the best?
Would've been nice if you put *business in video title
It’s not
Most of these are charge cards, so you have to pay off the full balance at EOM, except the Chase Business Preferred, which is a month-to-month balance.
I’ve applied ur tips when I could when paying my credit cards. I closed 1 that I wasn’t good on paying on. And as of rn my score is 704! Im 19 and I’ve been trying to get my own place to live. Do you think I would be able to use bilt credit card for rent? Other than that I’m thinking abt trying to get a 2% cash back credit card. And possibly Amex’s 6% cash back on groceries
Can you make a video analysis of the potential Capital One-Discover merger and potential side effects?
I have had a JB plus personal card for years- I don't use it too much except for buying food on my flights. Also the free bag as I fly them a lot from my home airport JFK. Are the benefits the same on both?
Mic a tad boomy.
Can you close a card to open up a spot for a Chase CC to make their 5/24 rule?
If I apply and get the platinum business card, would I be eligible for the gold, green or blue cards as well at a later date?
I think you're a bit too close to the camera......but anyways great vid as always, keep up a good work
It's the same video every week
Can you transfer citi double cash/citi costco card to the AA citi ?
How long should I keep a card until I cancel it if I just want the welcome bonus?
Probably a year
Ask for a retention offer/to cancel within 30 days of the 2nd annual fee posting
@@Jiggy609 Hey, can we just ask directly for a retención offer?
@@jasonlopera2991 yes
Hey John, I’m looking for a recommendation on a card.
I have an independent commercial insurance agency. I’m currently just a 1 man operation.
My overheard is minimal, I spend maybe $2,000-$3,000 per month. My expenses rank in order from greatest to least
-Gas
-Dining prospects
-Office supplies
-Website/hosting
-Microsoft subscription
My fiancé and I fly to a vacation maybe once per year. If I can use rewards from a card to cover some of that great or if I can just get decent cash back… great.
Are there any cards that you would recommend for my specific situation?
Thanks
What if I don't travel and just want the best cash back or other benefits? Any recommendations? Thanks.
Are you saying if I apply and get denied it wouldn’t show up on my no personal credit?
Not the list for everyone, may be for business and travel
Questions: i have points on Chase ink Business Premier, i have points on there but i dont see any option of transfer these point to another Airline, if i just spend the point from chase and use chase to book airline, i feel im only getting 1:1 ratio which make no diff if i just cash those point out in cash
I prefer chase card 2.5% cash back on all categories!
With no limit cap!
Venture x business is 20,000 now for the bonus. And platinum card as your number one pick?!?! Ugh my less favorite card.
Also it’s not an “adobe” credit on the Amex plat card. You can’t use it for 99% of adobe products. Only adobe pro team products, very limited.
Bro is recommending people to commit fraud 😂😂 acting like you intended to open a business isn't starting a business
Ohh no he’s helping the common folk how to outsmart the predatory Credit Card companies and evil banks… what a monster ☹️
can i get both bonus for citi AA biz AND barclays AA aviator?
I'm thinking about applying for Chase Ink Cash. Would it be a problem if I used it to buy lumber to hit the 6k faster? This would be my first business cc, so I'm not familiar on the rules. Do people actually use this card as a personal cc even though its a business? Does it get reported to the IRS?
I think the Amex Business Gold has better value then the Business Platinum. Just my personal opinion.
Thanks for this very informative video John! 👍🏼 I have 5 personal credit cards that i get in the last 2 years so i m at the limit of the Chase 5/24 rules can i still apply for a Ink card or i need to be below 5 cards?
You need to be below 5/24 unless one of the cards are a biz cards or authorized user ….or you received a chase preapproval …just my case I got initially denied for the co branded prime visa at 5/24 however I was approved by calling in and having two other chase cards … now I’m waiting 6 months to grab that biz card getting my score up to at least 745 I’m at 717 just my data points hope this helps ! Thks
I’m 20 with no credit or never got credits cards what should I do?
Check out John’s other videos, he has one for beginner CCs. I’d suggest the Discover iT secured CC, that’s what I got my 19yr old brother on to start building his credit score. “Your secured credit card requires a refundable security deposit, and your credit line will equal your deposit amount, starting at $200. You choose the deposit amount up to the credit line approved.” I believe he’s in mid 700 score now. Of course the most important thing is to not spend more than you have saved to cover what you put on card. Always, always payoff the CC in full every month.
Hi John. I started investing in US ETFs after watching your videos and you really helped me a lot. But as a beginner, I don't know if I should constantly invest in the US ETFs regardless the pricing (especially bevause the price is very high now) or should I wait for the price to dip ? I'm very confused and don't know what to do. Hopefully you can give me some advice. Thanks a lot !! 🙏
Mercury people always talk fast like robots.😅
If John Liang says to get these 6 cards, you better get 2 each.
Nah
Venture X sign up bonus 150k miles after you happens 30K in 3 months who can hit that,? Ain’t no way
Lol that's what I'm saying. You'd have to have really high expenses to meet that much. $5k is doable for me, but gut dang, anything $10k+ is too much.
You're only showing 1 way tickets.
Bro I wanna watch your videos but your audio sucks. Please make your videos a bit louder. Thank you
Amex Platinum delivers zero value, should not be on the list
I respectfully disagree. The Amex Platinum offers value through its credits ($200 airline credit, $200 hotel credit, $200 Uber credit, etc.) It’s a card for frequent travelers who want to maximize earnings on booking flights. The annual fee is definitely pretty steep, but if you’re able to make use of the credits then you can easily offset it.
Yay Philippines
Philippines here I come!
Lol everyone is talking about most of these cards
Yay I finally got second
Way to be, man. First, didn't even care.
one of the dumbest idea to censor the card throughout the video. hate it. booo
Nobody needs a credit cards. Period
Also wrong. Period.
Recommending Amex plat? Really? Trash. Unsubscribe.
Zero ask