All three of theses cards can and will result in a denial if your credit is not the best. I had to do some work before I could get into discover It. Good luck everyone.
I just applied for the Capital One classic credit card and got approved!🎉 OMG! It’s such a moment for me since I’ve been trying for YEARS to get a credit card or a loan. It’s a very low limit but that’s what I wanted anyway. I just need it to build my credit score. Thank you very much this video. It has been really helpful. 🌟🌟🌟🌟🌟
One thing to look out for is the method of making your payment. I had a secured card from First progress, and their method of paying it off was HORRRIBLE! You had use bill pay, only on certain days of the month. Ilthere was no “pay now with your debit card” button. It’s like they want to punish you extra for not having good credit. Just something to think about.
I have this card as well. My worst card, but if you call customer service then you can pay from your checking account over the phone. This can be as many times as you want during the month. But there is a $ 10.00 fee per phone payment request. I only use this if I have no choice.
@@brigitterobinson5271 yikes! Get out of that if you can. I have capital one now and it’s such much better for payments. I can make payments at any time.
they want you to mess up and go into debt because the interest is so high that you'll never be able to dig out of the hole and that's when they start making money off of you, instead of the other way around
ive got rejected for every card since i got my discover, i think it's because i only have about a year of credit history even though i have a 780, it's just annoying because they want my credit accounts to have time to age but waiting 2 years everytime to get a card will constantly be dropping my average and my credit score, they really don't want you playing their game
It was many years ago, probably in the early 90's. They sent the offer to me through the mail, so I sent it back to them, & they sent me the card. At the time I didn't have a clue about credit scores & such . I'm not even sure they were a thing back then.....Sorry.....
I see some people saying to not get a secured credit card when u can get unsecured credit card. Well about more than half the time with no credit score, no credit, to bad credit you will not qualify for a unsecured credit card. So most people in those 3 categories usually start off with a secured credit card and I'm sure most of the banks will let you put more than their required deposit so you will have a little more to spend on the card each month.
Yea but when you understand age of history it will tank it because they average the time so if you only have one till you build credit then get 2 more your age of history is gonna tank which isn’t good you might as well go with credit cards that are unsecured and brands that aren’t very popular better than nothing and investing your money
Financial literacy goes a long way, getting secure credit cards, spending low, and paying on time gets you in a better position over time. People living above their means will never understand how to use credit properly.
And the problem that you’re not telling the people is that all these credit cards that are secure credit cards are going to do a hard pool just like a unsecured credit card so to get a hot pool just to add your own money into a secured card you’re mine are better off going to a credit card that’s gonna give you money and you’re not putting up your own money
What about unsecured credit card I did capital one walmart and my husband did capital t premier at we both had bad credit and was excepted 300 credit limit and score went up instantly
I have 2 questions about open sky. I applied as a result of this video. Pay $200 for no more than a $200 balance is what thier offer was. 1. So they report monthly? And it is like you said...borrowing against yourself? So thier credit card is a prepaid debit card? Or credit card?
@@SEUnlimited4444 I have an open sky card it reports every month I beileve only been a month so far and it's a real credit card revolving credit it's reported on all three credit companies and I also paid 200 and it gave me a 200 credit card limit 😃
I paid 2500$ and 930$ previously I don’t have credit card I applied capital one card but it declined now i watched your vedio i dont have any card or score what u recommend to me ??please reply??
That's what my question is... They keep calling it a credit card. I already have 4 prepaid cards that dont report. Is the card they call a credit card, but pay into still reporting to the credit bureau?
No it’s not a debit. You are using your OWN money and using it for credit. Instead of the bank or CU giving you money, you’re using your own. You’re borrowing with your own money. Idk how this is so hard to understand lmao.
What do y’all recommend for starters? Or suggest I do. I have zero credit & I’m a Chase Member. Should I take out one with Chase? Done little research. Any feedback’s greatly appreciated. Thank you!
I have medical bills they send me to collection if I apply for the third credit card will my medical bill show in my credit after a year ? What can I do to erase them ?
Had a similar score Latest year. I used the SELF & CreditStrong Savings Loan. I got a OpenSky Credit Card & it’s been about 14 months now with a decent score of 618 From 400’s to 618 in about a year Is good for me. Might work out for you as well.
then lets say I use the capital one and I get my credit to 500 or 600 and now I wanna choose another card or a different company what happens to the capital one?? isn't there any problem when I decide to close it?? does it gonna have an impact on my credit score sorry I'm new to credit and they are not letting me have a credit unless its a secured car
15% of your credit score is age of credit so longer you keep a credit card open the better. Most people that have a excellent credit score got it because they keep accounts open for 7 years or more. For example some people it takes 18 months to get there score to the way they want it. In my opinion they should keep that secured card open and just use it once in a while and get a second credit card. But lots of secured cards comes with no rewards, so I understand why people cancel them. For me having an account open for 18 months I would keep it open.
Great advice 💯 open sky really help me !!! Seems not people are watching you lately , I guess only importance the stimulus check 🤦There are many other things just as important, this is one of them 💯...Thank you Irv for all the great ideas, updates, and your kindness!!!! Blessings to you for a lovely holiday season ✨❄️🌲☃️ LoL my name fits perfectly 😂🎉💯☃️🌲 Happy Holidays Everyone ☃️🌲
Right on! Open sky is a great card whether rebuilding a hurt credit score or starting from scratch. And thank you for the kind words, I’m a believer in who ever this information is for it will find it’s way to them. Happy holidays!
Hi I’m trying to dispute my Bk from lexis nexus and If lexis nexus said there mov is pacer how do I dispute? Ask pacer for a mov? Or just ask them to remove my Bk from there files as the courts do not share with any 3rd party vendors?
I got approved for the secured capital one card and opensky credit card. I'm gonna for sure keep the capital one card and close the opensky card later this year because I ain't paying no annual fee.
They seem to be good with me. Annual rate is pretty pricey for me but considering I've got two charged off cards it's all I could do. I've got two cards now. Keep utilization at 9%. From the high 400s to now reaching 600 within a year.
What can you do when your put into collections? I tried disputing it already and my court date got canceled twice . Technology I don’t even owe the amount there charging me for. So I’m not paying it.... are there any other options to easily get approved for a secured credit card 💳?
If it’s not the amount owed then have you called the original account holder? Plus.... if it’s a closed checking account or an old credit card.... if you stopped paying your minimum then.... FEES exist. If it’s an eviction depends on what kind of rental lease you had. Personal landlords VS, inc & Corp..... those are harder to get rid of AND can go in your background. Medical- goes on your collections. Old phone account notices, they go on your record. Especially if you started a plan that included a free phone.... NEED TO TEAD THE CONTRACT then to see what terminates it and at WHAT point you’d need to pay for the phone. Really about being responsible about your bills (excluding medical)
I been working on my credit so much . I got approved yesterday for a Discover secure card I figured out what was holding me back . It was a delinquent account from T-Mobile that I got removed . 😉
One of the quickest and safest way to get rid of negatives and boost your score is to hire a professional credit score specialist who can lawfully and economically re-establish your credit score and remove negative items. I was able to employ (Royson@creditmasterfixllc.com) who helped me erase all bad items permanently. He was also able to remove damaging items like evictions and foreclosures from my credit file! He can provide ethical, powerful, and affordable credit repair service. Right now I have an excellent score grade and all my credit debts have been wiped off. Get on your way to strong credit again.
So happy I met @Darkverizon1 on Telegram he changed my life after being duped on this platform so many times he got my cards delivered to me with great balance on it...So I’m so proud of him and vouch for him
i have a question! so lets say i get one of these secured credit cards... and i do the 200$ deposit. does that mean i have to pay 200 every month to keep the card??
No. That's just your credit limit so you have up to $200 to spend on your card. Just make sure you pay your balance in full before your monthly due date. And leave a small balance only like $10 a few days before your statement comes out. The credit card company will report your balance and info to the credit bureaus soon after the statement comes out and you want a small less than 10% utilization showing. So if you have let's say a $10 balance that's a 5% utilization which is good. You're credit score will go up when the credit bureaus see that. If you have a $100 balance right before the statement comes out and the credit card company reports that to the 3 credit bureaus, that's a 50% utilization which is bad and your score will go down.
Hi Irv. I have a pretty high amount of debt. Mortgage, home equity loan, 2 credit cards, 1 car loan and student loans. I pay more than the amount due every month. My credit score does not go up each month. If I use my credit card my score goes down! How come. Once again I never miss a payment.
One of the quickest and safest way to get rid of negatives and boost your score is to hire a professional credit score specialist who can lawfully and economically re-establish your credit score and remove negative items. I was able to employ (Royson@creditmasterfixllc.com) who helped me erase all bad items permanently. He was also able to remove damaging items like evictions and foreclosures from my credit file! He can provide ethical, powerful, and affordable credit repair service. Right now I have an excellent score grade and all my credit debts have been wiped off. Get on your way to strong credit again.
Hey man, I've got a question for you. Will you answer???? Does Open Sky graduate to an unsecured card? Or do you just cancel and get a refund when you have other cards??????? Thanks.
@Trigg Wolf Thanks. I hate that. I was denied for about 5 different secured cards today with bigger banks. Doesn't make sense to me to deny people when their credit line is secured. I was an in with a bank that graduates to unsecured. I have Discover and Cap One. Already graduated. I need something else but my credit utilization is really high right now. I think I need to just pay it down awhile and then reapply for something better in two or three months. Grrrrrrr! I hate to have to wait before I can increase my available credit. But I'd rather not get secured cards that you must close to get your deposit back.
So happy I met @Darkverizon1 on Telegram he changed my life after being duped on this platform so many times he got my cards delivered to me with great balance on it...So I’m so proud of him and vouch for him
I was able to get a charge-off deleted from my credit report recently , but my credit score still very low. I thought it would go 20-30 point + I was wrong:(how come?
So happy I met @Darkverizon1 on Telegram he changed my life after being duped on this platform so many times he got my cards delivered to me with great balance on it...So I’m so proud of him and vouch for him
Now I know why people leave this country is so screwed up but we pretend was so smart and intelligent but nobody cares about the American person we starve to death or they live on high on the hog oh my God what an embarrassment to America
People leave?? Wow last time I checked everyone in fact the whole world wants to move to the states, I never heard anyone trying to go to any other country.
What’s your income? You need good income to apply for any card including open sky. Although I will say open sky isn’t as good as every TH-camr makes it seem.
One of the quickest and safest way to get rid of negatives and boost your score is to hire a professional credit score specialist who can lawfully and economically re-establish your credit score and remove negative items. I was able to employ (Royson@creditmasterfixllc.com) who helped me erase all bad items permanently. He was also able to remove damaging items like evictions and foreclosures from my credit file! He can provide ethical, powerful, and affordable credit repair service. Right now I have an excellent score grade and all my credit debts have been wiped off. Get on your way to strong credit again.
So happy I met @Darkverizon1 on Telegram he changed my life after being duped on this platform so many times he got my cards delivered to me with great balance on it...So I’m so proud of him and vouch for him.....
why do u make liers video's when u lose you're good credit that's it i am on a 10 year wait for it to get better i have been sued and still code not pay them and i can't get any credit and im not paying to actvat a card all lies and there is fixing it unlase u marrie in to money life stiks sometimes..
One of the quickest and safest way to get rid of negatives and boost your score is to hire a professional credit score specialist who can lawfully and economically re-establish your credit score and remove negative items. I was able to employ (Royson@creditmasterfixllc.com) who helped me erase all bad items permanently. He was also able to remove damaging items like evictions and foreclosures from my credit file! He can provide ethical, powerful, and affordable credit repair service. Right now I have an excellent score grade and all my credit debts have been wiped off. Get on your way to strong credit again.
@@IrvOfficial my bad bro I went off script a little. Let me fix that. Your words of encouragement inspire me during difficulties time, you'll never know how much it meant to me.. Thank you so much
►Credit cleaning bundles: IrvOfficial.com
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All three of theses cards can and will result in a denial if your credit is not the best. I had to do some work before I could get into discover It. Good luck everyone.
I just applied for the Capital One classic credit card and got approved!🎉 OMG! It’s such a moment for me since I’ve been trying for YEARS to get a credit card or a loan. It’s a very low limit but that’s what I wanted anyway. I just need it to build my credit score. Thank you very much this video. It has been really helpful. 🌟🌟🌟🌟🌟
Congrats!!
One thing to look out for is the method of making your payment. I had a secured card from First progress, and their method of paying it off was HORRRIBLE! You had use bill pay, only on certain days of the month. Ilthere was no “pay now with your debit card” button. It’s like they want to punish you extra for not having good credit. Just something to think about.
Get that problem solved with just a DM to an expert'
I have this card as well. My worst card, but if you call customer service then you can pay from your checking account over the phone. This can be as many times as you want during the month. But there is a $ 10.00 fee per phone payment request. I only use this if I have no choice.
@@brigitterobinson5271 yikes! Get out of that if you can. I have capital one now and it’s such much better for payments. I can make payments at any time.
they want you to mess up and go into debt because the interest is so high that you'll never be able to dig out of the hole and that's when they start making money off of you, instead of the other way around
And they have a 10 day hold on ur payment also MF
This comment section is sus af
Frfr
Exactly!! Is he boosting himself up allegedly?🤣😂
ong😭🤣✋
😂
ive got rejected for every card since i got my discover, i think it's because i only have about a year of credit history even though i have a 780, it's just annoying because they want my credit accounts to have time to age but waiting 2 years everytime to get a card will constantly be dropping my average and my credit score, they really don't want you playing their game
Do you have hard inquiries the 5/24 rule states that more then 5 hard inquiries in 24 month period can get you rejected
No one wants secured cards. Come across with something real like unsecured credit cards with no credit score. Then you would have done something!
My first card was the Capital One Platinum card. It's an unsecured card.
@@latachia_2981 what was ur credit score when u applied
It was many years ago, probably in the early 90's. They sent the offer to me through the mail, so I sent it back to them, & they sent me the card. At the time I didn't have a clue about credit scores & such . I'm not even sure they were a thing back then.....Sorry.....
@@gabriellawalters3742 mines in the 500 , i got declined
@@nkechiubani4821 anything accept you?
I see some people saying to not get a secured credit card when u can get unsecured credit card. Well about more than half the time with no credit score, no credit, to bad credit you will not qualify for a unsecured credit card. So most people in those 3 categories usually start off with a secured credit card and I'm sure most of the banks will let you put more than their required deposit so you will have a little more to spend on the card each month.
Yea but when you understand age of history it will tank it because they average the time so if you only have one till you build credit then get 2 more your age of history is gonna tank which isn’t good you might as well go with credit cards that are unsecured and brands that aren’t very popular better than nothing and investing your money
Financial literacy goes a long way, getting secure credit cards, spending low, and paying on time gets you in a better position over time. People living above their means will never understand how to use credit properly.
Make sure you sit through the entire video so he can get paid
Thank you, it was really helpful! appreciate this video so much and you too!
And the problem that you’re not telling the people is that all these credit cards that are secure credit cards are going to do a hard pool just like a unsecured credit card so to get a hot pool just to add your own money into a secured card you’re mine are better off going to a credit card that’s gonna give you money and you’re not putting up your own money
What
????
please explain
Capital one upgrade your credit limit in 6 months on time payments
What about unsecured credit card I did capital one walmart and my husband did capital t premier at we both had bad credit and was excepted 300 credit limit and score went up instantly
Thanks 🙏 for everyone who posted cardmanager01cc on telegram, he’s very fast and reliable vendor 💯 I got my card
I literally can’t get a card at all I tried paying the 200$ and they denied me before I could .
We y’all start out saying y’all talking about unsecured cards, but then the first card you start talking about is a secured card…..
Great video!
What about when you have decent credit are pre-approved and then don't get approved?
Exactly
Thanks again for the info great vid
All these different videos about credit I'm JUST tryna buy a outfit and a 100 $ out the atm with a 656 credit score 😭
What's a card you'd recommend that I didn't mention is the video?
I have 2 questions about open sky. I applied as a result of this video. Pay $200 for no more than a $200 balance is what thier offer was. 1. So they report monthly? And it is like you said...borrowing against yourself? So thier credit card is a prepaid debit card? Or credit card?
@@SEUnlimited4444 I have an open sky card it reports every month I beileve only been a month so far and it's a real credit card revolving credit it's reported on all three credit companies and I also paid 200 and it gave me a 200 credit card limit 😃
@@SEUnlimited4444 Credit Card.
Thanks 🙏 for everyone who posted cardmanager01cc on telegram, he’s very fast and reliable vendor 💯 I got my card
@@SEUnlimited4444 Thanks 🙏 for everyone who posted cardmanager01cc on telegram, he’s very fast and reliable vendor 💯 I got my card
What about business credit, I just opened my business 1 month ago
I paid 2500$ and 930$ previously I don’t have credit card I applied capital one card but it declined now i watched your vedio i dont have any card or score what u recommend to me ??please reply??
If you put money into it its not a credit card its a debit card
That's what my question is... They keep calling it a credit card. I already have 4 prepaid cards that dont report. Is the card they call a credit card, but pay into still reporting to the credit bureau?
A debit card does not go towards your credit in order for you to obtain & build credit. That’s the point of a credit card.
@@SEUnlimited4444 Those prepaid debit cards don't report to bureaus. Secured cards do.
No it’s not a debit. You are using your OWN money and using it for credit. Instead of the bank or CU giving you money, you’re using your own. You’re borrowing with your own money. Idk how this is so hard to understand lmao.
Exactly
this only for us citizens?
What do y’all recommend for starters?
Or suggest I do. I have zero credit & I’m a Chase Member. Should I take out one with Chase? Done little research. Any feedback’s greatly appreciated. Thank you!
Thanks 🙏 for everyone who posted cardmanager01cc on telegram, he’s very fast and reliable vendor 💯 I got my card
What did you end up doing?
Get you a secured capital one credit card and start from there
Watched your video an instantly signed up then i got approved !
Congrats!
Which card tho
Do any of these also work out fine if you have security freezes in place with either the 'big 3' or places like LexisNexis / Innovis / SageStream?
I have medical bills they send me to collection if I apply for the third credit card will my medical bill show in my credit after a year ? What can I do to erase them ?
How much did your credit score go up by opening the open sky card
My credit is horrible 439 went down hill -88 in three months, what should I do? What card can I apply and get approved? 🤦🏻♀️help
Had a similar score
Latest year.
I used the SELF & CreditStrong Savings Loan.
I got a OpenSky Credit Card
& it’s been about 14 months now with a decent score of 618
From 400’s to 618 in about a year
Is good for me.
Might work out for you as well.
Im in the same position as you!!
Did u ever apply to any?
I have two capital one cc & I like them !
I recommend the service of the best who can fix your credit cards on Instagram *Alar_hack* ...
Thanks 🙏 for everyone who posted cardmanager01cc on telegram, he’s very fast and reliable vendor 💯 I got my card
No credit is better than bad credit
Wrong
QUESTION is there anything under $200 credit guaranteed approval ?
Are there good credit cards and bad credit cards?
When looking for a loan, who do I get it from
Credit unions are a good option
@@IrvOfficial forgive me if I sound crazy and Thank you for answering. Really appreciate it. But I don’t even know what a credit Union is
then lets say I use the capital one and I get my credit to 500 or 600 and now I wanna choose another card or a different company what happens to the capital one?? isn't there any problem when I decide to close it?? does it gonna have an impact on my credit score sorry I'm new to credit and they are not letting me have a credit unless its a secured car
15% of your credit score is age of credit so longer you keep a credit card open the better. Most people that have a excellent credit score got it because they keep accounts open for 7 years or more. For example some people it takes 18 months to get there score to the way they want it. In my opinion they should keep that secured card open and just use it once in a while and get a second credit card. But lots of secured cards comes with no rewards, so I understand why people cancel them. For me having an account open for 18 months I would keep it open.
Will you get approved for open sky if you have closed credit card account and a loan thats not paid off?
why not go for a care credit?
I can get you one with no credit check that can weigh up to 15k credit limit
Great advice 💯 open sky really help me !!! Seems not people are watching you lately , I guess only importance the stimulus check 🤦There are many other things just as important, this is one of them 💯...Thank you Irv for all the great ideas, updates, and your kindness!!!! Blessings to you for a lovely holiday season ✨❄️🌲☃️
LoL my name fits perfectly 😂🎉💯☃️🌲 Happy Holidays Everyone ☃️🌲
Right on! Open sky is a great card whether rebuilding a hurt credit score or starting from scratch. And thank you for the kind words, I’m a believer in who ever this information is for it will find it’s way to them.
Happy holidays!
@@IrvOfficial indeed.💜
@@IrvOfficial hhhh
Thanks 🙏 for everyone who posted cardmanager01cc on telegram, he’s very fast and reliable vendor 💯 I got my card
@@blueskys519 Thanks 🙏 for everyone who posted cardmanager01cc on telegram, he’s very fast and reliable vendor 💯 I got my card
QUESTION CAPITAL said NO - WHY ?
This helped me and got you a like and a sub, ty brother😊
Awesome. Glad it was helpful
Great🙌🏽💵
Contact the best who can fix your credit card he's is reliable source *Alar_hack*
Thanks 🙏 for everyone who posted cardmanager01cc on telegram, he’s very fast and reliable vendor 💯 I got my card
I GOT DENYED FOR THE 1ST TWO!!!
Did you try the 3rd?
Discover you have to have decent credit . I will be giving this guy thumbs down
He literally said you may get denied
@@ColinNasty but the video also says instantly approved
Lmao
Hi I’m trying to dispute my Bk from lexis nexus and If lexis nexus said there mov is pacer how do I dispute? Ask pacer for a mov? Or just ask them to remove my Bk from there files as the courts do not share with any 3rd party vendors?
I got approved for the secured capital one card and opensky credit card. I'm gonna for sure keep the capital one card and close the opensky card later this year because I ain't paying no annual fee.
How much is the limit?
@@angelica2062 both are $200..
Better than nothing I’m going to do the same
@@jessica_adriana closed mine after I hit 650. Now I have 2 chase freedom cards..
I’ve seen bad reviews for the open sky card
They seem to be good with me. Annual rate is pretty pricey for me but considering I've got two charged off cards it's all I could do. I've got two cards now. Keep utilization at 9%. From the high 400s to now reaching 600 within a year.
I have it, the only negative things about it
Is that they have no customer service
& you need a bank account
To make your monthly payments.
What can you do when your put into collections? I tried disputing it already and my court date got canceled twice . Technology I don’t even owe the amount there charging me for. So I’m not paying it.... are there any other options to easily get approved for a secured credit card 💳?
@Melissa Emmons move on bot
If it’s not the amount owed then have you called the original account holder?
Plus.... if it’s a closed checking account or an old credit card.... if you stopped paying your minimum then.... FEES exist.
If it’s an eviction depends on what kind of rental lease you had. Personal landlords VS, inc & Corp..... those are harder to get rid of AND can go in your background.
Medical- goes on your collections.
Old phone account notices, they go on your record. Especially if you started a plan that included a free phone.... NEED TO TEAD THE CONTRACT then to see what terminates it and at WHAT point you’d need to pay for the phone.
Really about being responsible about your bills (excluding medical)
I’m aware of what u mane because on CONTRACT they have us as the borrower
any non secured cards
I wasn't approved for open sky
I got decline with the capital one ugh
but you know you can still get a loan with a bad credit ?
I been working on my credit so much . I got approved yesterday for a Discover secure card I figured out what was holding me back . It was a delinquent account from T-Mobile that I got removed . 😉
@@carolinejackson1340 talk to me 😊
@@itsjay7411 that's a normal stuff, but I'd suggest you reach out to stefan_hack7004,he can help you sort that out.
How do you get approve for free can anyone help me just let me know assap 🙏🏾
@IRV Official my score is at 8 since I have no credit at all. Which one would you recommend I start with?
Sir, the lowest score is 300.
Can people on SSDI apply for the 3rd card with bad credit
I don't see how SSDI would be an issue. I know people that have taken out car loans with it.
Irv Official k thank u so much
One of the quickest and safest way to get rid of negatives and boost your score is to hire a professional credit score specialist who can lawfully and economically re-establish your credit score and remove negative items. I was able to employ (Royson@creditmasterfixllc.com) who helped me erase all bad items permanently. He was also able to remove damaging items like evictions and foreclosures from my credit file! He can provide ethical, powerful, and affordable credit repair service. Right now I have an excellent score grade and all my credit debts have been wiped off. Get on your way to strong credit again.
So happy I met @Darkverizon1 on Telegram he changed my life after being duped on this platform so many times he got my cards delivered to me with great balance on it...So I’m so proud of him and vouch for him
Thanks 🙏 for everyone who posted cardmanager01cc on telegram, he’s very fast and reliable vendor 💯 I got my card
Cap'n America over here
i have a question! so lets say i get one of these secured credit cards... and i do the 200$ deposit. does that mean i have to pay 200 every month to keep the card??
No. That's just your credit limit so you have up to $200 to spend on your card. Just make sure you pay your balance in full before your monthly due date. And leave a small balance only like $10 a few days before your statement comes out. The credit card company will report your balance and info to the credit bureaus soon after the statement comes out and you want a small less than 10% utilization showing. So if you have let's say a $10 balance that's a 5% utilization which is good. You're credit score will go up when the credit bureaus see that. If you have a $100 balance right before the statement comes out and the credit card company reports that to the 3 credit bureaus, that's a 50% utilization which is bad and your score will go down.
@@MichaelB-od3xh thank you
I have all of these.(Thank You)
Thanks 🙏 for everyone who posted cardmanager01cc on telegram, he’s very fast and reliable vendor 💯 I got my card
Finally!!
I denied for the open sky, but they wouldn’t tell me why 😮
Banks are getting more strict period. Your income needs to be high enough to cover the risks of low score or missed payments, if you’ve ever had any
Hi there，do you think 488 score is enough to apply for Capital one secured credit card……..
Shiiiit try your luck
Opensky do not graduate to unsecured.
BRO 🤦🏻♀️ open sky won’t accept me because apparently i don’t live at my current address!? whet!? 😩
Thanks 🙏 for everyone who posted cardmanager01cc on telegram, he’s very fast and reliable vendor 💯 I got my card
@@ciaraprincessharris2568 you are a horrible scammer.
Hi Irv. I have a pretty high amount of debt. Mortgage, home equity loan, 2 credit cards, 1 car loan and student loans. I pay more than the amount due every month. My credit score does not go up each month. If I use my credit card my score goes down! How come. Once again I never miss a payment.
One of the quickest and safest way to get rid of negatives and boost your score is to hire a professional credit score specialist who can lawfully and economically re-establish your credit score and remove negative items. I was able to employ (Royson@creditmasterfixllc.com) who helped me erase all bad items permanently. He was also able to remove damaging items like evictions and foreclosures from my credit file! He can provide ethical, powerful, and affordable credit repair service. Right now I have an excellent score grade and all my credit debts have been wiped off. Get on your way to strong credit again.
Debt to income ratio might be to high, try paying twice the amount before the payment date.
You also want to stay below 30% of your limit.
I was turned down for the Capitol one an discover secured card
What’s you credit score?
I’ll let you know if I get approved
What is the phone number for the credit card
Thank you
Very welcome
I brought a cc from *Cardermanager2* on telegram best vendor I know and very trustworthy. He sell cc,fullz,Bank,Drops,and Dumps
Time is money!!
Hey man, I've got a question for you. Will you answer???? Does Open Sky graduate to an unsecured card? Or do you just cancel and get a refund when you have other cards??????? Thanks.
@Trigg Wolf Thanks. I hate that. I was denied for about 5 different secured cards today with bigger banks. Doesn't make sense to me to deny people when their credit line is secured. I was an in with a bank that graduates to unsecured. I have Discover and Cap One. Already graduated. I need something else but my credit utilization is really high right now. I think I need to just pay it down awhile and then reapply for something better in two or three months. Grrrrrrr! I hate to have to wait before I can increase my available credit. But I'd rather not get secured cards that you must close to get your deposit back.
Thanks 🙏 for everyone who posted cardmanager01cc on telegram, he’s very fast and reliable vendor 💯 I got my card
How should i be approved for my money boo that sucks
I brought a cc from *Cardermanager2* on telegram best vendor I know and very trustworthy. He sell cc,fullz,Bank,Drops,and Dumps
So happy I met @Darkverizon1 on Telegram he changed my life after being duped on this platform so many times he got my cards delivered to me with great balance on it...So I’m so proud of him and vouch for him
What about chime credit builder ?
same applied pal
@Melissa Emmons what?
@Melissa Emmons you also having. issues?
Thank you so much bro 🙏
Get that problem solved with just a DM to an expert...
Can I use these in the uk?
"credit cord"
I was able to get a charge-off deleted from my credit report recently , but my credit score still very low. I thought it would go 20-30 point + I was wrong:(how come?
Check to see if it was deleted from all 3 credit bureaus. Sometimes it comes off and then goes right back if you’re not watching it.
So happy I met @Darkverizon1 on Telegram he changed my life after being duped on this platform so many times he got my cards delivered to me with great balance on it...So I’m so proud of him and vouch for him
Who did you go to for that ? I want mine deleted (1)
@@alexguerra6813 I reached to Capital One supervisor directly
@@angelap.1929 and what did you do?
Now I know why people leave this country is so screwed up but we pretend was so smart and intelligent but nobody cares about the American person we starve to death or they live on high on the hog oh my God what an embarrassment to America
People leave?? Wow last time I checked everyone in fact the whole world wants to move to the states, I never heard anyone trying to go to any other country.
I'm happy with new platlium card rewards i getting points 🙃🙃🙃
☝❤☝❤☝❤
I'm still wondering if there is still a legit vendor like him because this is fifth times of dealing with him☝☝
my score is 480 right now and i didnt get approved for the open sky card
Dealing with the same issues at 560..
What’s your income? You need good income to apply for any card including open sky. Although I will say open sky isn’t as good as every TH-camr makes it seem.
I just try to get this kind of cards all of them refused me. So I don't botter to believe your tricks.👍
Thanks 🙏 for everyone who posted cardmanager01cc on telegram, he’s very fast and reliable vendor 💯 I got my card
420?!?! I'm in the 500s and I thought that was bad
Is this the same guy that does prison vids.
Its not credit if you put up the money boo. Thats bullshit
What about credit approvals for people that did bankruptcy
I would recommend the 3rd card. I’m pretty sure a bankruptcy will get flagged with discover it
One of the quickest and safest way to get rid of negatives and boost your score is to hire a professional credit score specialist who can lawfully and economically re-establish your credit score and remove negative items. I was able to employ (Royson@creditmasterfixllc.com) who helped me erase all bad items permanently. He was also able to remove damaging items like evictions and foreclosures from my credit file! He can provide ethical, powerful, and affordable credit repair service. Right now I have an excellent score grade and all my credit debts have been wiped off. Get on your way to strong credit again.
I brought a cc from *Cardermanager2* on telegram best vendor I know and very trustworthy. He sell cc,fullz,Bank,Drops,and Dumps
So happy I met @Darkverizon1 on Telegram he changed my life after being duped on this platform so many times he got my cards delivered to me with great balance on it...So I’m so proud of him and vouch for him.....
In Canada except for new brunswick and Saskatchewan. Easiest secured card to get with no job and filed for bankruptcy in the past is Refresh finacial.
No one wants to give 200 dollars on a card that ya can only use 200 dollars on thats crap boo !! No one wants that
I know. This is an alternative option to help BUILD credit into a regular (unsecured) credit card
omg it took 2 min to start talking about the actual topic 😅
Have to give context since viewers at every level are watching
@@IrvOfficial sure, i appreciate it! I have already given my 👍🏻 very enlightening video!
Does open sky do a hard or soft pull or you said no pull at all it’s based off your annual income ?
No they don’t do credit checks for the card
opensky and capitol helped me, discover rejected me
☝☝☝
$1000 in the rightful place can really changed someone's life
☝☝☝☝He who done it for me can do it for you too in the right way
forget the credit card.. I WANT HIM!!!!!!!!!!!!!!!!!!!!!!
🤢🤮
Heyy!
I have a paid for Eviction on my credit report which has been paid since 2020. All thanks to above 👆👆name that got it removed for me
why do u make liers video's when u lose you're good credit that's it i am on a 10 year wait for it to get better i have been sued and still code not pay them and i can't get any credit and im not paying to actvat a card all lies and there is fixing it unlase u marrie in to money life stiks sometimes..
👆💯👆❤👆💯👆I don't regret meeting you in my life, you're the best plug
☝☝☝☝$1000 in the right place can change your life
Hellow Good Eveing have a great and awesome and super cool day today ok and yes God bless you to.
What up
@@IrvOfficial Well Thank you so very much.
One of the quickest and safest way to get rid of negatives and boost your score is to hire a professional credit score specialist who can lawfully and economically re-establish your credit score and remove negative items. I was able to employ (Royson@creditmasterfixllc.com) who helped me erase all bad items permanently. He was also able to remove damaging items like evictions and foreclosures from my credit file! He can provide ethical, powerful, and affordable credit repair service. Right now I have an excellent score grade and all my credit debts have been wiped off. Get on your way to strong credit again.
Thanks 🙏 for everyone who posted cardmanager01cc on telegram, he’s very fast and reliable vendor 💯 I got my card
@@ciaraprincessharris2568 Yes you are so very welcome it is my soul pleasure. 😀😀
Why is this 10 minutes long
💳
Not open sky for sure .
They pay you for this video
👆👆👆👆💯🙌PEOPLE MUST KNOW YOUR GOOD WORK BY GIVING OUT THE REAL KEY 🔑 FOR MY WALLET
Immediately put into collections more like 😀😀😀
Bro botted his own video look at these comments repeating the same lines and emojis lol
How do we know you’re not another bot 🤖 🤔
@@IrvOfficial my bad bro I went off script a little. Let me fix that. Your words of encouragement inspire me during difficulties time, you'll never know how much it meant to me.. Thank you so much
A Happy I got to invest with a legit vendor like *dumpsmart* on telegram, amazed me with his services cos he gives real working dumps thumbs up man