Which Credit Card Companies Have the EASIEST APPROVALS

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  • เผยแพร่เมื่อ 26 พ.ย. 2023
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ความคิดเห็น • 94

  • @ServantLeaderFinance
    @ServantLeaderFinance 7 หลายเดือนก่อน +67

    I stay away from Synchrony as much as possible due to the history of them abruptly shutting down accounts.

    • @noeeortiz9073
      @noeeortiz9073 6 หลายเดือนก่อน +2

      Can you elaborate on this? What do you mean by shut down account?

    • @ServantLeaderFinance
      @ServantLeaderFinance 6 หลายเดือนก่อน

      @@noeeortiz9073 Synchrony has a pretty well documented history of closing down accounts suddenly, even when they are in good standing. It happened to me and many, many others. There have been occasions where people would go to use there cards, and would find out then and there, the accounts were closed. They also have a history of slashing credit limits, even when being used.

    • @feliciapatton8886
      @feliciapatton8886 6 หลายเดือนก่อน +6

      They will cancel your for no
      activity

    • @Branden031
      @Branden031 6 หลายเดือนก่อน

      @@feliciapatton8886there’s normal close your account due to inactivity

    • @dynamitescottwhite
      @dynamitescottwhite 6 หลายเดือนก่อน +2

      Read terms. From what I have experienced w synchrony is if you do not pay off balance by end of 0% term they will add all the back interest all at once. This wouldn’t want to deal w that surprise after been making payments for a year.

  • @MrMraggies1996
    @MrMraggies1996 6 หลายเดือนก่อน +18

    I started with Wells Fargo, but I financed my first car through Capital One Auto Finance. I love Capital One.

  • @surplusbuyerliquidator934
    @surplusbuyerliquidator934 7 หลายเดือนก่อน +5

    Im Watching You.. Always Good Info.. Keep it Up Sir..

  • @ozarkcreativestructuresllc
    @ozarkcreativestructuresllc 7 หลายเดือนก่อน +5

    Always quality info 💯

  • @hallopez6627
    @hallopez6627 6 หลายเดือนก่อน +1

    Awesome videos people, please keep up the awesome work people, you're welcome people!

  • @Winston0Boogie
    @Winston0Boogie 7 หลายเดือนก่อน +6

    I think I'm good with the cards I have. I have so many mediocre ones trying to go up from the crappy ones after a bankruptcy to now I use my AMEX investor, Schwab platinum, & BCP cards.

  • @larsmurdochkalsta8808
    @larsmurdochkalsta8808 6 หลายเดือนก่อน +2

    Yeah the Amex thing is slightly surprising. I've only just now got a fico score and the top third of my card recommendations are all Amex, but not all have a yearly fee.
    There's like one secured card, a couple no annual fee cards, a lot of annual fee cards.
    And then a bunch of pre-approvals from credit one ☠️

  • @MichaelB-od3xh
    @MichaelB-od3xh 7 หลายเดือนก่อน +5

    1st and great video as always Cal. I love the data points you always mention, a nice touch.

  • @TriggerTravels
    @TriggerTravels 6 หลายเดือนก่อน +20

    You're not getting an AMEX gold card with a 620 credit score. Ain't happening.

  • @bigdawg83
    @bigdawg83 6 หลายเดือนก่อน +7

    Synchrony drops your credit limit for no reason. 🤦‍♂️

  • @elvisrogers4171
    @elvisrogers4171 หลายเดือนก่อน +1

    Trigger, I got a gold with 590...Amex platinum 6 mo. Later.
    It did happen, brother

  • @loridavis5736
    @loridavis5736 3 หลายเดือนก่อน

    Citi bank has done this to me on 4 different cards

  • @briancrizaldo7640
    @briancrizaldo7640 5 หลายเดือนก่อน +2

    How hard would you say it is to get approved for Capital One Venture X?

  • @yoreljm
    @yoreljm 7 หลายเดือนก่อน +17

    I wonder if the CC companies approve low credit score applicants as a control group to see if credit scores really predict defaults?

    • @dozhadeville444
      @dozhadeville444 5 หลายเดือนก่อน

      Definitely

    • @michaelrogers9720
      @michaelrogers9720 5 หลายเดือนก่อน +3

      They make money on people who don’t pay in full.

  • @anthonyrude
    @anthonyrude หลายเดือนก่อน

    Do you have proof kovo reports the the credit agencies?
    I heard tomo claims they do but they do not.

  • @jcaceres516
    @jcaceres516 2 หลายเดือนก่อน +1

    Got denied for discover it. 676 score

  • @tamaraatkins3280
    @tamaraatkins3280 6 หลายเดือนก่อน +1

    Fail information about synchrony

  • @koolbreeze101
    @koolbreeze101 6 หลายเดือนก่อน +2

    Does Synchrony and Comenity do a hard pull for CL increase?

    • @calbarton
      @calbarton  6 หลายเดือนก่อน +1

      No they don't

    • @koolbreeze101
      @koolbreeze101 6 หลายเดือนก่อน +1

      @@calbarton Thanks! I appreciate your quick reply.

  • @songsofdestinywkelly8101
    @songsofdestinywkelly8101 7 หลายเดือนก่อน +5

    Not true for me. Just got denied for an Amazon card because of lack of credit history although I have a good credit score.

    • @gsxr750dude
      @gsxr750dude 6 หลายเดือนก่อน +3

      yea, this guy gives a lot of info that isnt correct, most youtubers in this sector are like that, he may have a few correct idea of how things work, but a lot of the important points he tries to make or says are not correct or half true or are misleading, he prob doesnt even know or realize that so i dont think he says incorrect things as if they where factual, a lot of these youtubers just read or watch others info or videos and basically just say the same shit thats wrong or is bad advice, but thats like 98 percent of youtubers in this sector, its almost as bad as the crypto experts on youtube

  • @carltonbanks5470
    @carltonbanks5470 7 หลายเดือนก่อน +4

    I've gotten approved for 1 card per month for the last 3 months. The last 2 cards made my credit score drop 😢 I only had 1 card before this so kinda confusing.

    • @kadinsellami8255
      @kadinsellami8255 7 หลายเดือนก่อน +4

      apply for credit cards will temporarily lower your credit score because you are seen as high risk, because you're opening multiple lines of credit in a short time. Just use those for a couple months and keep the payments at 10-30 percent of the limit.

  • @GiftedInvestor
    @GiftedInvestor 7 หลายเดือนก่อน +1

    You mentioned “pre qualify” does that mean you’re able to be approved? I seen BOA does it and they had an endless list of recommendations but i don’t they all would’ve approved me if i applied

    • @DarknessFalls29
      @DarknessFalls29 6 หลายเดือนก่อน +1

      It's a gamble.

    • @ITIRICI
      @ITIRICI 6 หลายเดือนก่อน +3

      Pre qualify is nothing close to pre approved. Even then, pre approved is not even close to a guarantee.

    • @Mr.Mister96
      @Mr.Mister96 21 วันที่ผ่านมา

      "Invitation"

  • @ToboeKey309
    @ToboeKey309 3 หลายเดือนก่อน +2

    If u have a low credit score u can also get the capital one platinum credit card no annual fee u dont need a secure credit card

  • @alanl.1413
    @alanl.1413 6 หลายเดือนก่อน +2

    AMEX = Annual Fees. And they are overhype. How many of us actually break even with the annual fees?

    • @anthonypicciano3803
      @anthonypicciano3803 5 หลายเดือนก่อน +1

      Join the military and it’s free

    • @micahgreene4573
      @micahgreene4573 2 หลายเดือนก่อน +1

      Amex has many cards with no fee. I have 2 fee cards (Hilton Surpass and Gold). 2 no fee cards (Hilton Honors and Blue Cash Everyday).

  • @unknowntrapper2330
    @unknowntrapper2330 5 หลายเดือนก่อน

    Just got my first credit card and I’m 32 smh nobody taught me this shit. Got 200 dollar limit on capital one. How do I build it. And what does it mean if I add cash to it

    • @kjdavis9915
      @kjdavis9915 4 หลายเดือนก่อน +1

      Just dont miss payments and add more cards to your credit

    • @unknowntrapper2330
      @unknowntrapper2330 4 หลายเดือนก่อน

      @@kjdavis9915 yea I added my chick as a user too and been making all my payments. Hopefully it starts going up

  • @johnwilson6211
    @johnwilson6211 7 หลายเดือนก่อน +5

    I need a chase credit card 💳

    • @MichaelJohnson-ze6ql
      @MichaelJohnson-ze6ql 7 หลายเดือนก่อน +2

      Why

    • @jaws2003
      @jaws2003 หลายเดือนก่อน

      Same here. I want the United Gateway card.

  • @josermontoya
    @josermontoya 7 หลายเดือนก่อน +1

    Should close my $300 secured I opened almost six years ago? I have another card that is six younger than the secured card.

    • @KingGreen78
      @KingGreen78 7 หลายเดือนก่อน +3

      Can't you switch to the unsecured version, Just to keep the credit history

    • @armybrat5379
      @armybrat5379 6 หลายเดือนก่อน +3

      You should keep it and ask for a limit increase. The history will help you.

    • @kasiahroy2082
      @kasiahroy2082 6 หลายเดือนก่อน +1

      I have a $900 one. They told me asking for an increase would be a hard pull.

  • @Freegameisthename
    @Freegameisthename 7 หลายเดือนก่อน +4

    GM card is pure trash! Points are not transferable as statement credit....they just accumulate until you buy a GM vehicle........😐

    • @sinned96
      @sinned96 7 หลายเดือนก่อน +2

      I traded my GM Rewards for Amazon gift certificate😊

  • @deathuponusalll
    @deathuponusalll 7 หลายเดือนก่อน

    Ok but do they accept ITIN s for us foreign nationals living in the US trying to build credit? 😐

    • @viniciusmorais8931
      @viniciusmorais8931 7 หลายเดือนก่อน +2

      Yes, yes they do. Capital One, Bank of America, Chase and Synchrony.
      If your ITIN is valid, they will give you a shot given you have any kind of credit history. (Check the company Self for a good way to build some).
      Also, loan companies such as Oportun will also lend you up to 10000.
      On the business side, banks such as Accion opportunity fund will also lend you up to 25.000.

    • @deathuponusalll
      @deathuponusalll 7 หลายเดือนก่อน

      @@viniciusmorais8931 thanks for the info! So I got my chase one earlier this year and capital one just last month and the petal 2 (all under a year) but synchrony was the first I tried and they turned me down, I called them and they said they didn’t accept ITINs however back then I had no credit history so maybe that’s why 🤔….I tried getting the Blue cash Amex but was denied, so you know which Amex is easier to be approved for by any chance?

  • @BigShirley_MsGigi_FP
    @BigShirley_MsGigi_FP 7 หลายเดือนก่อน

    ♠️♠️♠️👑💪🏾😘

  • @sinned96
    @sinned96 7 หลายเดือนก่อน +4

    I just got a Bread card for $3550

    • @calbarton
      @calbarton  7 หลายเดือนก่อน +1

      Congrats 👏🏾🎉

    • @MsDC-th4zc
      @MsDC-th4zc 7 หลายเดือนก่อน +4

      What is a bread card?

    • @sinned96
      @sinned96 7 หลายเดือนก่อน

      @@MsDC-th4zc check out Bread Financial

    • @armybrat5379
      @armybrat5379 6 หลายเดือนก่อน +2

      What kind of card?

    • @sinned96
      @sinned96 6 หลายเดือนก่อน

      @@armybrat5379 Bread cash back card

  • @craigt2003
    @craigt2003 3 หลายเดือนก่อน

    pre approval offers don't mean s**t...i probably got denied more with pre approval offers than i did by randomly applying for a credit card (and i have great credit BTW)

  • @arresthillary9502
    @arresthillary9502 6 หลายเดือนก่อน +2

    stop using credit cards. you dont need a debt score

    • @tmwkeemy
      @tmwkeemy 6 หลายเดือนก่อน +10

      Stay poor lmao

    • @Mr.Mister96
      @Mr.Mister96 21 วันที่ผ่านมา

      You mean "trustworthiness score" 🤨, both high end housing and employment are beginning to check credit reports

  • @TheTubeMeister
    @TheTubeMeister 6 หลายเดือนก่อน

    I know they’re not good but premiere bank is an easy approval.