Credit Card Company ‘Back Office’ Executive Spills Secrets

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[@sunshinecycling]

Dude...flying through those questions felt like I had the speed set to 1.5x.

[@wscottsmith010]

Great information, Cal! Thanks for keeping us updated on the news and secrets of the industry! This information is valuable!!!!

[@user-bz2pp7zv4s]

Bro did you ask AI this? I got the same response.😂

[@SpartanOfFinance]

Excellent information in an understandable format. Thank you!

[@luqasluque]

Great content. Keep up the good work.

[@rambosidi7634]

You always have excellent and a high level of content in your videos!

[@PhillipDrumz]

Great content bro! Appreciate your intel on the real deal.

[@user-hs2yz7rr4b]

Wow. Best video I’ve seen in a while.

[@matrix-teknologies]

bullshit! my mom had 0 credit, because i added her as an authorized user, the bank was able to link her address and her social security to my credit , since then when my score change her fico score also changed, keep in mind we never provided her ss# yet the bank created a recod with the 3 credit agencies

[@j.r.1426]

Once again some great information

[@clownbaby7985]

Agreed, thanks for the help boss.

[@CallMeLani]

Great meeting you on Calvin's live yesterday!

[@calbarton]

Hey Lani, nice meeting you too. It was a great conversation.

[@RSquared-travel-rewards]

@@calbarton Break it up guys. Stop the love fest! Cal, so I've kinda noticed that the QS is often featured in your thumbnails. Hmmm, I'm watching. I'm on to you 😂. Also Lani, it was only a couple days ago that we were best friends and now this.

[@iAmBrah]

highly informative video

[@calbarton]

Happy you enjoyed

[@stephenshelton6083]

Good Job

[@user-bm7yy6rb1s]

To matrix: not sure if your totally correct. But you see what you see. I think especially these days. There rules expanded. Algorithm. Because "I think" it's fico that doesn't care about piggy backing. In credit history. That's what u need to look at credit history. Authorized user. Each company uses different reasons for same 5 category. I opened 5 cards in 1 yr and no issues . This was done years ago. Every one is different every zipcode is different every history is different. Meaning every one is different. Same categories but reasons.

[@josephsaeteurn9158]

my CS is 780 and i dont get approved much except the ones with 23% APR.. screw that

[@pishposh4506]

If you pay your bills every month on time and in full like you should then interest rates shouldn’t matter because you’re never paying interest anyway

[@jeffg4096]

And if you must carry a balance, you do the 0% CCs for so many months or get a credit union cc. I have a CU credit card with about a 14% rate.. used to be under 10% interest until the Fed started jacking up rates.

[@bobt9705]

​@@jeffg4096True but be careful with that method too because lenders are soft pulling us every 30 days and are slashing our SL because of high risk during these tough economic times. We should use the 0 percent on the business side.

[@Mellow4202]

APR only matters if you don't plan on paying your balance off by the due date.

[@RobertLW]

I can’t imagine looking at APR lol, I don’t want to talk shit, but you probably shouldn’t use a credit card if you’re paying interest 😂

[@Patriot_here]

And get into debt trap!

[@Hi.ImJake]

Good video and info, but putting subtitles directly on it, not so good. Very distracting, especially when they're not accurate.

[@fiona3821]

What about a new businesses

[@drennonjones708]

if i have give you my info your info isnt free

[@calbarton]

You spent your time watching this video. Is your time free?

[@PluPerfective]

Yeah I’m done with credit nonsense, lol - increase income, and real estate.

[@davidmitchell9288]

All facts

[@terrywatson4473]

It's called Advanced algorithms😓

[@nbrewer4617]

😉 promo sm