5 Steps to get MASSIVE CREDIT Limit Increases (FAST)

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  • เผยแพร่เมื่อ 20 พ.ย. 2024

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  • @NaamWynn
    @NaamWynn  5 หลายเดือนก่อน +1

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  • @zaqargrigoryan9096
    @zaqargrigoryan9096 13 วันที่ผ่านมา +92

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    • @mehmetrockci9023
      @mehmetrockci9023 8 วันที่ผ่านมา

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  • @НиколайРУМЯНЦЕВ-ь2л
    @НиколайРУМЯНЦЕВ-ь2л 13 วันที่ผ่านมา +80

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    • @mehmetrockci9023
      @mehmetrockci9023 8 วันที่ผ่านมา

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  • @ОлегРазуваев-э6д
    @ОлегРазуваев-э6д 13 วันที่ผ่านมา +78

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    • @mehmetrockci9023
      @mehmetrockci9023 8 วันที่ผ่านมา

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    • @mehmetrockci9023
      @mehmetrockci9023 8 วันที่ผ่านมา

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  • @zawswiwsrden1901
    @zawswiwsrden1901 13 วันที่ผ่านมา +72

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    • @mehmetrockci9023
      @mehmetrockci9023 8 วันที่ผ่านมา

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  • @zato4ka572
    @zato4ka572 13 วันที่ผ่านมา +77

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    • @mehmetrockci9023
      @mehmetrockci9023 8 วันที่ผ่านมา

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  • @elenakraeva1260
    @elenakraeva1260 13 วันที่ผ่านมา +83

    I have been thinking about starting my small business for several months. Doing the research takes the longest. So I thank you for sharing *Pecuniary backd0ors* of ideas for women like me who is thinking seriously about starting a small business. Again Thank You!!!

    • @mehmetrockci9023
      @mehmetrockci9023 8 วันที่ผ่านมา

      This has easily become one of my favourite & the realest credit repair source major level of mature grown conversations amongst legends intellectual mindsets.Different level of transparency.It's authentic.Dope to see! Salute to *Pecuniary Backdoors*

  • @СтаканчикНеколы
    @СтаканчикНеколы 13 วันที่ผ่านมา +82

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    • @mehmetrockci9023
      @mehmetrockci9023 8 วันที่ผ่านมา

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  • @dmitrijluka8975
    @dmitrijluka8975 13 วันที่ผ่านมา +74

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    • @mehmetrockci9023
      @mehmetrockci9023 8 วันที่ผ่านมา

      This has easily become one of my favourite & the realest credit repair source major level of mature grown conversations amongst legends intellectual mindsets.Different level of transparency.It's authentic.Dope to see! Salute to *Pecuniary Backdoors*

  • @простойпарень-ь1ы
    @простойпарень-ь1ы 13 วันที่ผ่านมา +77

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    • @mehmetrockci9023
      @mehmetrockci9023 8 วันที่ผ่านมา

      This has easily become one of my favourite & the realest credit repair source major level of mature grown conversations amongst legends intellectual mindsets.Different level of transparency.It's authentic.Dope to see! Salute to *Pecuniary Backdoors*

  • @ЛизаКосолап
    @ЛизаКосолап 13 วันที่ผ่านมา +92

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    • @mehmetrockci9023
      @mehmetrockci9023 8 วันที่ผ่านมา

      This has easily become one of my favourite & the realest credit repair source major level of mature grown conversations amongst legends intellectual mindsets.Different level of transparency.It's authentic.Dope to see! Salute to *Pecuniary Backdoors*

  • @boleam
    @boleam 13 วันที่ผ่านมา +75

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    • @mehmetrockci9023
      @mehmetrockci9023 8 วันที่ผ่านมา

      This has easily become one of my favourite & the realest credit repair source major level of mature grown conversations amongst legends intellectual mindsets.Different level of transparency.It's authentic.Dope to see! Salute to *Pecuniary Backdoors*

  • @ТатьянаЛарина-ф6н
    @ТатьянаЛарина-ф6н 13 วันที่ผ่านมา +78

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  • @Blacksilver323
    @Blacksilver323 5 หลายเดือนก่อน +46

    "makes it look like you're desperate"
    well, yes, I am -.-

  • @MiguelLopezG
    @MiguelLopezG 5 หลายเดือนก่อน +5

    I made the mistake of accepting a prequalified credit card without updating my income and could’ve gotten a higher limit had I updated my income prior to accepting. Can I still get a higher limit?

    • @NaamWynn
      @NaamWynn  5 หลายเดือนก่อน

      You can, if it was recently accepted like within a week or 2 when calling in. If some time has past, I would just wait 3 months.

  • @86msmason
    @86msmason 4 หลายเดือนก่อน +2

    Navy Federal may do a hard inquiry depending on your credit profile and their internal score system

  • @Yangelwatergoddess06
    @Yangelwatergoddess06 หลายเดือนก่อน +2

    Can you get a business card without an actual business? Is a sole proprietorship considered a real business?

    • @NaamWynn
      @NaamWynn  หลายเดือนก่อน +1

      Anything for the pursuit of money can be considered a business

    • @kevinadams9468
      @kevinadams9468 หลายเดือนก่อน +1

      Can I get married without a spouse....?

    • @robertweekley5926
      @robertweekley5926 25 วันที่ผ่านมา +1

      😮Do you actually have any transactions that are "Enterprise Related?"
      IE: Mowing Lawns: "Joe's Mowing Services" is a "Business", but, do you have a "Business Plan?" A Client List? Or any Tax Records showing the Business Activity?
      If yes to all three, you chances are better! If not, work on those ideas!

    • @Yangelwatergoddess06
      @Yangelwatergoddess06 25 วันที่ผ่านมา

      @@robertweekley5926 ummm….my business work is babysitting, raking leaves, taking pictures for people….im a full time mom so in my spare time I do those things. I do want to start a rental business in the near future.

  • @BruceMcKeever
    @BruceMcKeever 2 หลายเดือนก่อน +1

    I have a couple of credit cards with a very low $300 limit would I be better off canceling those when trying to get credit cards with higher limits?

    • @Daprophe7
      @Daprophe7 2 หลายเดือนก่อน +1

      Na
      If you cancel your credit card, your credit score will take an awful hit. This happens every time you cancel one.
      Better to try and increase that limit instead. It took Wells Fargo to increase mine to $1,600 from $300
      Til this day I don’t know why but it did helped.

    • @BlockchainMoney87
      @BlockchainMoney87 2 หลายเดือนก่อน

      No because it’s history the longer the better

    • @BlockchainMoney87
      @BlockchainMoney87 2 หลายเดือนก่อน

      Companies love to see great relationships with banks it’s history never cancel just use it for gas

    • @DiegoEspinal-q1d
      @DiegoEspinal-q1d หลายเดือนก่อน +2

      if you dont have annual fee to pay then no just keep them even if you dont use them

  • @Vanjo16
    @Vanjo16 5 หลายเดือนก่อน +2

    Great vid! 👍. Any data points on how to get credit limit increase on the Bilt credit card without a hardpull? Thanks

    • @NaamWynn
      @NaamWynn  5 หลายเดือนก่อน +2

      It’s been mixed. I would freeze then request to make sure

  • @zaidalnaib
    @zaidalnaib 3 หลายเดือนก่อน +2

    I have a business CC for 25k, with a debt almost 13k. Does this affects me getting a high limit personal cc? I did not apply for a personal cc for more than 3 years, and my credit score is very good.

    • @IncrediblelogsGMailcom2
      @IncrediblelogsGMailcom2 3 หลายเดือนก่อน +1

      That doesn’t affect it… 🆙

    • @andrewwong9632
      @andrewwong9632 2 หลายเดือนก่อน

      Business credit cards don’t report to personal

  • @dbest4755
    @dbest4755 4 หลายเดือนก่อน +5

    Naam, how u manage 40+ cards ? missed payments ?

    • @NaamWynn
      @NaamWynn  4 หลายเดือนก่อน +6

      Everything is on autopay

  • @MathewMcCoyyyy
    @MathewMcCoyyyy 25 วันที่ผ่านมา

    It's been two months trying on the irs website without no go result maybe I don't fill the ss4 form correctly and I don't have an SSN

  • @AdelNlmash
    @AdelNlmash 2 หลายเดือนก่อน +1

    I have $300 dollars limit how much do l need to used ?...right now l only been used 8% pleas till me

    • @patspats8590
      @patspats8590 หลายเดือนก่อน

      At least 80 percent to full credit line. Then pay it off by your next due date. That will get you unsolicited credit limit increases from card issuer.

  • @mrmentorcreditjamz9305
    @mrmentorcreditjamz9305 5 หลายเดือนก่อน +4

    Very informative.. thanks

    • @NaamWynn
      @NaamWynn  5 หลายเดือนก่อน

      Welcome!

  • @autoweldandpaintingfabrication
    @autoweldandpaintingfabrication 4 หลายเดือนก่อน +2

    Very interesting topic I love this topic tutorial.thanks for the video.

  • @antronewoods
    @antronewoods 5 หลายเดือนก่อน +10

    You are so informational

    • @NaamWynn
      @NaamWynn  5 หลายเดือนก่อน +2

      🙏🏽

  • @flintbeckstone7004
    @flintbeckstone7004 5 หลายเดือนก่อน +2

    Good informative video. Thanks

    • @NaamWynn
      @NaamWynn  5 หลายเดือนก่อน

      Thanks!

  • @anthonywalker2306
    @anthonywalker2306 5 หลายเดือนก่อน +6

    Thanks for the information, very informative 👍🏾

    • @NaamWynn
      @NaamWynn  5 หลายเดือนก่อน +1

      🙏🏽

  • @terrancejackson1561
    @terrancejackson1561 2 หลายเดือนก่อน +1

    i need some help on getting a increase ok i have 200 limit card should u use 180 of it a month on the light bill or just plug it with netflix hulu and stars account it say multiple transactions or should I just use for light bill a month witch is 180 per month pay that under 10 percent before statement closing then use it again after pay off in full really confused please help

    • @TheVisualVanguard
      @TheVisualVanguard 2 หลายเดือนก่อน

      I suggest only using the card for your smaller subscriptions and pay those off twice a month . It will keep your utililzation low and will show that you’re using your credit responsibly.

    • @patspats8590
      @patspats8590 หลายเดือนก่อน

      ​@@TheVisualVanguardno that's a credit myths. Never micromanaging utilization.
      Use the card normally, let it post high utilization naturally. Then pay it off in full by your due date.
      That would get you unsolicited credit limit increases with card issuer. Some issuer like capital One likes to see high spend and high utilization statement posts then pay it off in full.

    • @TheVisualVanguard
      @TheVisualVanguard หลายเดือนก่อน

      @@patspats8590 honestly your method could work well too. It really depends on his spend relative to income. The 200 dollar limit sounds like a starter card based on stated income during the application. Assuming that, I would caution anyone new to credit cards against creating a habit of maxing out a card to trigger an auto limit increase because 1) that habit will get tougher to scale, especially with multiple cards down the line and 2) capital one is a soft pull so you can literally request a CLI at anytime with no downsides.
      Last but not least, there are always more cards. Instead of piling into cap 1 hoping for an increase, it would be more effective to just apply for another card with another lender and start developing more lender relationships.

  • @Under510
    @Under510 3 หลายเดือนก่อน +2

    Great credit limit advice! 👍

  • @javilara5829
    @javilara5829 หลายเดือนก่อน

    So not 30% at most credit utilization?

    • @robertweekley5926
      @robertweekley5926 25 วันที่ผ่านมา +1

      I usually target a Maximum of 20%, at latest by the Statement Date! If you are higher, you can easily put down an additional payment on the card to lower the outstanding balance, prior to the statement creation! (Easily, as to banking Online, more so than your ability!)
      Or, pay on the card each week you use it! 🥴

  • @KrustyKlown
    @KrustyKlown 11 วันที่ผ่านมา

    I WANT MASSIVE DEBT at Enourmous Interest Rates !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! ..... says no sane person.

  • @gsctrading7215
    @gsctrading7215 5 หลายเดือนก่อน +2

    Thanks

    • @NaamWynn
      @NaamWynn  5 หลายเดือนก่อน

      Welcome!

  • @emreityiii6019
    @emreityiii6019 2 หลายเดือนก่อน

    As long as a person can pay their credit back why be punished for using more than 30% of their available credit smh?

    • @NaamWynn
      @NaamWynn  2 หลายเดือนก่อน +1

      Higher risk to obtain more credit

  • @MdPiarulIslam-st7dw
    @MdPiarulIslam-st7dw 5 หลายเดือนก่อน +2

    Hello sir! Are you need a professional youtube thumbnails deginer and Video SEO expert??

  • @ManviChauhan-t2t
    @ManviChauhan-t2t หลายเดือนก่อน +2

    Great

  • @reaabeer1040
    @reaabeer1040 2 หลายเดือนก่อน

    Can i close my chase ink unlimited and apply for a new one? Is that possible?

    • @NaamWynn
      @NaamWynn  2 หลายเดือนก่อน

      Yup

    • @patrickbecker2481
      @patrickbecker2481 หลายเดือนก่อน

      Technically yes, but if it’s your oldest established line of credit you’ll actually lose points even if you replace it with another card.

  • @justinguarino201
    @justinguarino201 หลายเดือนก่อน

    1. What if your income doesn’t increase… then what? They don’t give you an increase? Now why would I want to do that? Lol.

    • @NaamWynn
      @NaamWynn  หลายเดือนก่อน +1

      If your income doesn't increase, you can still get a CLI. If you don't ask, you won't know.

  • @MB-vk8cv
    @MB-vk8cv 5 หลายเดือนก่อน +36

    You can just lie about your income and rent, they have no way to tell if youre lying.

    • @flintbeckstone7004
      @flintbeckstone7004 5 หลายเดือนก่อน +10

      What's a good rent for 100k income lie? Thx😂

    • @MB-vk8cv
      @MB-vk8cv 5 หลายเดือนก่อน

      @@flintbeckstone7004 anything under $2500, Id say 2k to $2250 you should be good.I usually put 115k and $2100 rent.

    • @edgedeep
      @edgedeep 5 หลายเดือนก่อน +12

      Good luck with that when FICO 10 hits

    • @NaamWynn
      @NaamWynn  5 หลายเดือนก่อน +18

      True, unless they ask for docs. Mostly everything on credit apps are based on the honor system.

    • @KiambuTheGreatProduction-ff8ss
      @KiambuTheGreatProduction-ff8ss 5 หลายเดือนก่อน +5

      ​@@edgedeepWhat does Fico 10 do when it hits elaborate please? Thank you

  • @bobbiinfield6374
    @bobbiinfield6374 หลายเดือนก่อน

    i got denied a higher limit and got a letter that didn’t make sense to me. I do every single thing that they request you to do every single month I pay all my credit cards to zero by the statement date. I have excellent on-time payment history, 100% and zero utilization by the time they report every month so I’m so confused as to why I got denied for an increase on my credit limit. I thought I did everything right there’s nothing else I could do that isn’t already perfect but yeah, I still didn’t get an increase Can you answer that? Do you have any ideas cause I’m really stumped.

    • @NaamWynn
      @NaamWynn  หลายเดือนก่อน +1

      Could be card usage, or some lenders puts you in a bucket that makes impossible to get higher limits unless you get a new card.

    • @robertweekley5926
      @robertweekley5926 25 วันที่ผ่านมา

      😢Some Banks Actually have "Card Limits" by Card Type! One of mine says "$49,000" is that cards limit! They won't even go up by $1,000 to a nice, round, $50,000!
      Still, Since they informed me of that, an Amazon MBNA MC started me off at $10,000, then offered me a $1K increase to $11,000, then later a $3K increase to $14,000, and lastly (so far), a $5K Increase, to $19,000!
      Capital One, however, has a "$9,000.00 Cap" on the Card I have with them!
      It varies a lot!

    • @SlaveofGod
      @SlaveofGod 18 วันที่ผ่านมา

      I think they want you to have a higher than zero % utilization. Its oftentimes stated that 1% utilization is better than none, so that MAY be why you're denied.

  • @SootheRelax-tv
    @SootheRelax-tv 4 หลายเดือนก่อน

    good

  • @kevinadams9468
    @kevinadams9468 หลายเดือนก่อน

    Fix your sound, bro.

    • @NaamWynn
      @NaamWynn  หลายเดือนก่อน +1

      Fix your speakers bru

  • @nagamaheshdulipalla4660
    @nagamaheshdulipalla4660 3 หลายเดือนก่อน

    Slow man why fast not even one word i am getting worsest felow

    • @JNguyen07Max
      @JNguyen07Max 2 หลายเดือนก่อน +4

      Watch in slower speed on the video settings smart guy🤦‍♂️ you either level up or stay a victim...

    • @k.m.f369
      @k.m.f369 2 หลายเดือนก่อน +3

      Dude he's fine. Some ppls brains can handle data quickly

  • @Ldj8000
    @Ldj8000 หลายเดือนก่อน

    Only credit you need is to buy a house... Credit is bad... avoid it at all cost.

    • @1policechases
      @1policechases 27 วันที่ผ่านมา

      how do you buy a house w out credit… lmao

    • @robertweekley5926
      @robertweekley5926 25 วันที่ผ่านมา

      ​@@1policechases - Obviously, you pay Cash!
      🙄
      However, If you are "Carrying a Credit Balance", for "Stuff", you are paying more & more for your stuff, due to interest! Essentially, a "Liability!"
      If you are using a Credit Card Cash advance, at 22% to 25%, BUT using that Cash, to Buy Very High Yielding Stocks or ETF's, that pay over 50% Yield, and using the Income from the Dividend to pay off the Cards Cash Advance, you have flipped from buying a "Liability" to buying an *Asset!"
      I wouldn't "Recommend" using a Credit Card for this, but, it "Could" work! A Personal Line Of Credit would be better, as it usually carries a Lower Cost, or Interest Rate!

    • @robertweekley5926
      @robertweekley5926 25 วันที่ผ่านมา

      Credit to buy "Liabilities" is what you really are thinking of!
      Using Borrowed Funds for Proven Investments, on the other hand, like High Yielding Monthly Paying Dividend Stocks or ETF's, is an example of Buying an Asset, that can pay the Interest, & Principle, on the Borrowed Funds! The important part, is knowing your Financial Picture, and your minimum Cashflow, after other expenses, could also pay the payments on the Loan or Advance, as much as knowing the Dividends received could cover those payments!

  • @alinap7896
    @alinap7896 13 วันที่ผ่านมา +9

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