Which credit card companies have the EASIEST APPROVAL in 2024 (and which are not so easy)?
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- เผยแพร่เมื่อ 1 มิ.ย. 2023
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US Bank may be the most difficult, but this shouldn't be confused with being 'upscale' or exclusive. Kinda like dating a Karen. She may be the most difficult to get a date with, but that doesn't mean she's the best relationship to be in. Also, you'd think they get a commission from doing hard pulls. They hard pull if you call for anything.
Sir, very well put. Hilarious af!🤣♥
On the other end you have Amex which is upscale but easy. It's the high maintenance girl who will date you as long as you always take her to the most expensive places. That might not be a great relationship either.
@@ramonsuarez1051 totally disagree! Even if AMEX was easy, she puts out like no other (i.e. customer service, pricier, privilege, exclusivity, etc.). I don’t mind taking her anywhere B/C she’s generally everywhere I want to be!
@@shawn7603 I def know (as an everyday-value travel car at least) the Sapphire products carry a level of prestige no regular bank issued card does. Period. CapOne, USBank, BofA, Wells, Citi have all tried (and failed) to mimic the success of the Chase Sapphire product!
@@A22DNAL With Amex you're paying good money for a salesman to constantly pitch promotions to you. Credits if you do this, sign up for this offer right now...why would I want to pay for that? 😆
Much appreciate it Adam… As always, you come with the sauce, the gravy and the juice!!!💜
I have a 80k credit limit on my NFCU flagship, and a $500 limit for years on my PenFed - they are not the same lol
Thank you for sharing and observing these cards.
Very insightful information, thank you.
Great content as always, thanks Adam!!!
i mostly agree. here's my rankings:
easy - synchrony & comenity
semi easy - discover Cap1
moderate - AmEx, WF, BOA
hard - Chase & Citi
very hard - USbk
synchony and comenity, lol, depending on if the stars, moon, pat your head rub your stomach kind of thing; potential to approve and drop you at random
Great Video.....I like the way you explain things. 👍
Some good info here. Thanks for the video!
Great video. The AA Aviator Red is tempting because of its 70k miles bonus just for making one transaction. But it’s issued by Barclays.
didnt realilze us bank was so tricky. good to know
Great info👍🏾
My first main card from having secured discover it card was the chase sapphire preferred lol
Very informative 😁
U.S bank approved me for my first card with them and I have opened up 7 cards this year trying to fight high utilization by 2 closed chase cards when I was homeless. Also chase has told me they would re-issue me a chase slate card once I pay off my old closed card as long as my score was about 620 which it is . Just some bits of my experience with a couple of the companies you listed
I'm really glad Amex added in their "apply with confidence" tool. It makes their applications even less stressful than before. Great video Adam!
@Moe Joe Hopefully one day!!
I’m confident I won’t ever return to the Game.
@@berryzedzero you do that
@@berryzedzero So based on your numerous replies saying the same thing I can assume you’re ‘not playing the game’? We got it
@@berryzedzero We'll get you back
>Your on a roll with the non-news topical like videos. >Discover is competitive in year one with the cash back match and retention and special marketing offers like the one you just got.
>PNC give you approval points for having other products on credit cards. Not found that to be the case with Bank of American as much of an extent.
>Capital One seems to throw out lots of security issues like you mentioned happens with Barclays too.
>There is some intellectually back at you as comment.
I have cards from Barclays, Synch., AAA, Amex, Discover, Mercury, Chase, FNBO, Liberty, Fargo, and U.S; USbank had to be the biggest pain, even giving low CLI.
The only thing i would change is I'd put capital one in front of Discover. The Capital One Platinum is very easy.
Yes but VentureX can be as tough as Barclays and US Bank if you have a lot of cards. Capital One has a lot of variety so it's tough to pin down.
my experience the easiest!! cap one
@@ramonsuarez1051 I heard that the venture x approval process can be crazy. I've never tried for a US Bank card but Barclays is one of the few banks that denied me because of too many new accounts.... But now I live outside of credit card rules and boundaries so I'm going back for that AA card 😅
@@agorham4674 💯
Ive been with capital one for about 3yrs & there about to kick rocks. All because of that bucket list. Knowing how chase is 😅 i lucked up and got a pre approval for the slate edge yrs 2 yrs ago. Then product changed to the Freedom unlimited a yr later now i got the sfp i luv chase
Capital one and Amex from my experience are fairly easy. I have the Capital one Platinum (which got upgraded to quicksilver), I have another quicksilver, Savor, Savor One, and then the Capital one Walmart card. Have $38,800 in credit limits with them. And Amex I Have the gold card, blue cash preferred, and blue cash everyday. Have $32,000 credit limit with them and gold cards don't have a preset limit. Based on income and credit history from my understanding
I have 3 cards with Barclays and haven't had any issues although I don't use them that often. They do keep my limits a little lower compared to others but I've heard they really want you to use their cards all the time.
Also I think Synchrony is a pretty good issuer 🤷♂️ I have the PayPal card, the Venmo credit card, and the Synchrony 2% card, and they all have 12k limits.
Thank you for these wonderful videos. And all the information you do a good job.
For me the most difficult is Capital One! Barclays and US Bank, not a problem.
I ❤ my Discover it card!!!!
This was great
Adam is the best!
I had a bankruptcy 7 yrs ago and opened MANY new CC and US Bank approved me for a card.
@@Shawn.credit exactly! I will never allow myself to get to that point ever again. American Express has given me credit, Bank of America did, too, which I included into my bankruptcy... I won't let it happen again. ::)
Spot on
my first card was capital one and a couple of days ago i just got approved for a discover card
I did the same thing, got a quicksilver as my first card and 6 months later got approved for the discover it
Good content!❤
I usually won't apply for credit if I know that I wouldn't be approved, such as when I had to max out credit cards due to a rough time in my business. The two times that I did get turned down were strange. I once got turned down on opening a margin account at a broker to trade option spreads, even with a lot of experience in trading them, because they were the first to actually run a credit check on me. The other time was when I applied for a line of credit from PayPal (Synchrony Bank), which I didn't even need, but was going to carry a purchase for 0% interest, instead of putting it on a credit card. The first reason... no current real estate loans/ poor loan mix. My credit score was ok, in the mid 700's. I did the purchase on my large limit business card.
I’m a Barclays customer here in the UK. I think generally credit is given on merit. When you listed Barclays as the second most difficult bank in the US it reminded me of the Frank Whittle story. I think in the US banks are more more likely to take a punt. Frank Whittle was British and was developing the jet engine in the UK. He needed funding for his invention but no bank would lend to him. He went over to the US where he got what I guess we would call today Series A funding. The jet engine was born and Sir Frank remained in the US until his death. Without US lenders we probably wouldn’t have had those early jets.
thank you good content
Barclays is a weird one. I had their AAdvantage card a few years back, and I took that card to Mexico, and it didn't work anywhere. Every merchant said that their terminal said "no response from bank".
had barclay before the pandemic; yes weird; like tech was never up to date or something; can't really explain it
I have 5 BoA cards in the last 3 years. Fixing my credit
Once you're in with Chase you're really in. My newest card from them is the IHG Premiere which I've only had for three months and they just boosted my limit by $6500 without even telling me. I only noticed because I was thinking of moving some limits around.
- yup same here. Chase has been good to me.
3 personal cards
1 business card
Personal checking acct.
I actually consider Chase easy as long as you have good credit. They have rules like 5/24 but at least they are consistent so you know when not to apply. Citi is an enigma and you just don't know, which I think makes them a lot tougher.
@@ramonsuarez1051 Same with Cap 1
I agree, & I had the same scenario. I logged in to make a payment & noticed my limit had almost doubled. 2 weeks later, I log in & notice pre-approval for several other cards.
I have the Korean Air SKYPASS Visa with US Bank...horrible card as far as benefits. Although I had no issue getting approved however as a Skypass member I wonder if that helped move the process along..
If you fall behin(30, 60, 90 days) on an auto loan, but end up paying it off. Is it considered bad debt or good debt? On my annual credit report, showing as good but does the bad fall off this debt also?
Barclays is the biggest pain in the neck! It took 2 months to get their Wyndham Earners Business card. And after all that, a 2k limit. It was laughable! I ended up reallocating money from the JetBlue card over to the Wyndham to raise my limit with no hard pull. Thanks for your video! Always helpful!
Funny- my Barclay is my favorite card- lowest interest rate and high limit. But then, Ive had it for about 5 years. Everything was different then.
Since February of 2022, I’ve been approved for 12 credit cards. I wouldn’t have the 8 AMEX cards if it weren’t for one of Adam’s Proud Money videos. 😁
Damn you been on it.
I actually feel you are spot on.... The only thing I might add would be how the banks act once a customer. I do not like synchrony because they will drop you available credit in some instances for things not related to your relationship with them. I bought a house and they dropped my limit from $3k to $300....
yeah its stupid, you're paying fine, no late and limit drops just cause maybe you came close to the limit after a big purchase or something, sheesh. Worse yet it lowers your credit score (if u carry a balance) as your utilization of credit goes up if the denominator (avail credit) gets reduced.
@@davidcarp5935chase and Amex did that to me my 2 Chase drop from 5800 7k respectively to 500 each. My Amex from 3200 to 1k.
🤣 Barclay's.
Synchronicity denies me 10 more times. Best Buy denies me. Capital one gave me Walmart and savor one
I really enjoy watching your videos. They are very informative and you are a great presenter.
I have an idea for a video, if you haven't already done it. Would you think about doing a ranking on how "forgiving" credit card issuers are in welcoming you back. My FICO ranges from 785 to 797 and I don't have any negatives on my report. However, in the distant past, I had trouble keeping up with my payments. Wells Fargo was quite gracious and has issued new cards to me (I have been a long time customer with them). However, CITI rejected me even though they originally pre-approved me. And I don't even waste my time on Chase, as I assume that they are the least forgiving.
That is a good idea, i will have to think about that a little bit and see i am informed enough to offer any value there. Thanks!
What are the credit score for these cards.
A bank being "generous". That's hilarious. Got any more jokes?
I’ve recently opened six new credit card accounts in the last two years. I decided to take the gamble on US Bank with the altitude visa connect card, and I actually got approved but with only a 2K limit I don’t have a checking account or any other account with US Bank so maybe they’re lenient on certain rules for certain people when opening new credit cards. Only having a 2K limit is pretty ridiculous though.
Dude I got fucking a $500 limit! Go away with your 2k limit complaining!!!! Ughhhhhhh congrats tho
I've gotta disagree with the US Bank statement. I have the new Altitude Connect card, and no other relationship with US Bank. It's my go to card right now. Those 50k sign up bonus points were easy to get. Just use it for every day expense that I'd be paying by debit card. Then pay back each purchase. The card benefits are great. Complimentary Priority Pass airport lounge access, and 5x points spent on travel. Other than Sky Club access and companion fare, I like this card better than my Amex Platinum
How you got a credit card but not have banking with them? It's their stated rule.
That's crazy US Bank is the hardest one to get! I just got one in March with a 14k limit. I'm guessing it's because I've had a checking acct that I use strictly for paying my mortgage, w/them for about 3yrs, and this is the first card I've applied for in over what feels like a decade lol 😅
Yea im surprised too. I applied for the platinum and they gave me $500, asked for a increase and they raised it to $5k. Probably cause i deposit weekly
I agree with US bank being the hardest, they are the only bank approving me with a $500 credit after having 6 cards from other banks offering way higher limit!
Same! I got the altitude Go card for 4% back on restaurants. Wtf I’m suppose to do with a $500 credit limit?!?! discover gave me $8500 just a month before.
@@anthonypham9206 I got the capital one savor one card with $10k limit a month before lol
Do one on the Zurp card
Adam, US Bank is trash and their customer service is horrendous. I like the idea of the other poster of cards allowing you to come back. 😊
I have never had trouble with them at all.
I have both Personal and Business accounts with them and all bonuses were paid out, and whatever fees they may tack on were waived by them.
Of the big banks and Chase 5/24 rule aside; Citi has been the white whale for me. I have had the Citi Costco Card since 2017. It was used all the time for years putting up to 50% utilization on there a good chunk of that timeframe and paying it off. Despite that they never approved either of my CLI requests. US Bank on the other hand, Cash+ and Shopper Cash Rewards within the last year. The Cash+ is used for Internet and Home Utilities bills and nothing else. It has never left the house. I just got the Shopper Cash Rewards. My goal is to replace the Costco card so Citi can go pound sand. Trying out the Shopper Cash for Amazon/Walmart/Costco and see how things go. Amex and Discover will probably remain at the top of my wallet. US Bank is putting up a good fight though.
I'm seriously looking into the Shopper Cash Card. I go to WalMart and Target quite often and will make that my default card for those stores! Along with the 3% on wholesale clubs and the fact that it's a Visa, make it's quite essential! I might try it for just one year to see how it goes!
Chase has been easy for me, Capital One has been the hardest. I’m already a customer of both but Capital One is the only one of the two that has ever hard denied me for a card in a decade plus. And I have cards from all of the issuers at the harder side of your scale.
Same for me.
Wow ..Capital one has been easy for me and Chase has been difficult..
Same. Capital One is the elusive issuer.
Thanks for the helpful info! I just got approved for the Cap1 Venture X a couple weeks ago, I want that SavorOne next, when is it okay to apply for the SavorOne or how long should i wait to apply?
Six months needed between Capital One applications
@AdamBA380 ok thanks Adam 👍
6 Months, unless it's one of the store cards i.e. Walmart, and then one of their's. I got the Savor & Walmart in the same week.
Recently I got the chase sapphire reserve what should the next chase card and they pulled from Experian and transunion at the same time i knew they might do this but had just got denied 4 another card so I let it go can i do anything about this???
What state or city you located?
Im going for my first chase card.
@@4CUTTY1BARZ5 always be prepared for the worst pull from 2 brueas. I never had a chase sapphire before but I have had accounts for more than 15 years this helps/ they R big on relationships
Sapphire card comes with high limits some people might get low limits if they're score is high but the file is thin. But don't WORRY about that because many people don't know they have loans @ 1.99 you can make up there. Once you have the card you can go up or down in cards. Understand it is $95.00 annual fee if you go into the bank or phone maybe you can get that waved in bank 4 sure. if you really touchie about 2 reports freeze one but if you do may cause more trouble than needed. You can remove any inquiry that is not connected to anything you got approved for
GOOD LUCK .💰💰
When are you going to do another video on a US Bank denial letter? 😂
I have the Barclays JetBlue and the View cards. I have not had a single issue with them. JetBlue’s credit limit is very generous. Yes, people are correct about credit limit increases. I suggest you have a good credit score before applying, since you are going to have limit for a long, long time. Also, their credit limits require a hard inquiry
I have the red aviator elite MasterCard with Barclay and it initially it was a generous credit line. However, one year later, I don’t use it as much as I anticipated… I called and try to downgrade it and was told that I would have to apply for another product and take on another hard pull! This card is the highest limit of my 23 credit cards but I am seriously thinking about closing this account☹️
I was going to say Capital One just gave me my first denial ever for a SavorOne... reason... "too many active cards" 😅 I was at 4/24 however and instead got a Mariott Boundless
My first c credirt card I got in 1999 was Direct Merchant's Bank started off with 1500.00 and within 1 year kad a 6500.00 within 2001.
Question... I just got the Amazon Synchrony store card. Do store card credit card limits apply to your overall credit limit? In other words, do you have to keep the balance under 30% to make sure your credit score is not affected? ... Just curious because store cards cannot be used at other places like visa or Mastercard. ... Thanks for having an informative channel! I've learned soo much here!!!
My credit is excellent, only 2 active cards and Chase denied me for having too many inquiry’s- 6 and 3 was like 8months old!!!!!! I no longer want it!!
I've always heard they have a 5/24 rule where can't have more than 5 inquiries in 24 months
I have the PayPal cash back card the only thing I don’t like about it is I have 32.24% apy and the credit limit isn’t as high as I would like
That’s Terrible what’s your credit score?
@@nickidrew5113 to be fair I got the card when I didn’t have a score at all a year ago currently it’s around 680 ish it’s on the low side cuz it hasn’t updated yet at the much much lower credit usage
Apr means noting when you always pay your full balance everyone month.
@@gaalxystar1873 yes I know dawg but it’s still crazy that it’s so high
Amex varies quite a bit based on what card you're applying for. from easiest to most difficult: Gold, Platinum, Green, Delta Gold, Delta Platinum, Delta Reserve, Delta Blue, Hilton Cards (all lumped together), Marriot cards (lumped together), BCP, everyday, everyday preferred, BCE and CM. Amex seems to be pushing BCP pretty hard lately and preapprovals are showing up on rebuilding profiles well before BCE shows up. Other comments: charge cards are hands down more lenient on approvals from amex than anything else. 650 and you're in maybe even a 630-640. BCE and CM seems to be tighter on initial underwriting than other amex cards (CM needs a revamp badly fwiw).
Difficult*
Does having a checking bank account with a large 🏦🏧 bank, make a difference with apply for the their credit 💳 card. For example I have a Wells Fargo checking account, with direct deposit, for a couple of years now. Would that make it easier to apply and be approved for their credit card?
It could, especially if you don't have much credit history. But it probably only helps if you are keeping a decent balance in the account (maybe at least $250-$500).
Typically yes.
Some banks are more relationship focused than others. Chase lists having an account with them as helping get the new credit builder Rise.
CHASE is impossible if you're like me LMAO/24
I still don't get how there's no laws against insane interest rates like 29% or such.
technically its you borrowing money from someone else. and in this economt with inflation and all that has happened this past election, its something the banks are seeing as justified. At the end of the day it’s agreeing to borrow money and hopefully pay it back.
When they say it will be 7 to 10 day's on approval is that a slow denial! I applied for Chase sapphire preferred I have a 776 fico score but this is the first time someone responded in that manner!
If your credit score is that high and you get a denial, you can call Chase and talk them into changing their mind, sometimes it's just a computer algorithm issue.
@karish49 they gave it to me with a $11200 limit I'm satisfied..thx for your response
@@jeffreyweston900Congratulations!
Your rankings are hilarious to me: Notice that all the worst product line issuers are ALL easy. Interesting. 🤣
predatory much?
@@The_Turd_Ferguson 🤣
Your people need some kind of hope and way to get in debt 😂
@@deeznutz294 this from you, a person carrying around a Chime debit and credit rebuilder cards B/C no one would give them a library card nonetheless an actual credit card.
@@A22DNAL im crying😭😭😭💀
Do y’all think think a chase savings account with the minimum balance of $300 so I don’t get charged a service fee will count towards a banking relationship with chase for an easier approval for the freedom since I’ll only have 8 months of credit history when applying in a month.
Yes.
It better. With that weak ass .02% interest rate they offer. Ridiculous.
For me American Express is still hard to be approved for even with a 770+ score low usuage and at least 25K income for cards such as the BCE and BCP
Huh didn't have that issue with the BCE I got it after my denial 6 months prior although I pay my balances in full and never carry a balance from month to month
@@alexthesniper1952 I never carry a balance either and yet they keep rejecting me? I have a 2.8 year credit history, 100% on time payment history, about 2-4% usage and etc.
If you got it THAT easy then explain further.
@@davidwilliam9451 I’m not sure about Navy Federal but Discover gave me my first card of 2K and ever since I increased it for a full year up to 8K+
I got my second Discover card with an automatic 4K limit. They have the best CS. I called on why it was “pending” and they explained short and simple that they only needed a phone call from my primary number ending in “so-so” and so I let them call that number and BOOM! 4K limit!
@@otakubaka139 Hmmm I don't know than because I got approved with lesser credit history and what not
I think it might be the income although that might depend on the card. Did you use their eligibility checker before applying? I have two Amex cards. I applied for both within two weeks of each other. The first they did a hard pull, the second not. I also noticed that the eligibility checker shot up to 9.5 on the second card. With Amex once you're in you're in.
I currently have no cards but I’m looking into getting one soon to build my credit. I have been banking with US Bank for five years and they frequently send me card offers saying that I have been “pre-selected” based on my account relationship with them. Is that essentially a way to say pre-approved?
- ya I would definitely hit USbk first, then chase
US Bank has great cards. Altitude Reserve and Cash+ are both cards I would like to get.
I like the try Discovery can you help me out
I disagree about Discover. I had some issues a few years ago that were so bad I entered a credit hardship program. I paid them back, settling for less than full. Discover has blacklisted me.
....It's not their fault you messed up the relationship lol.
Im rebelling my credit score .
Would it look bad on my credit report if I had 2-3 secured credit cards ? nothing big, just $300 each card
Thank you!
I dont feel it would look bad, it might ding at first but give it time and as long as you follow the guidelines, your credit will build. Credit building is a marathon though, not a sprint. Just something to keep in mind.
I am guessing us bank will never graduate my secure credit card lol
I didn't apply for the unsecured card even with my high score because there were many inquiries and open accounts. I applied for the secured with $1000 deposit to get 5% on utilities, phone which are my highest expenses. To me the deposit is like a savings account.
I got 14k from Chase & 25k from Navy Federal Personal & 1ok in Business Credit Cards from Chase but Only 1k from American Express on the Personal Side. 😆 Thankful for them All.
What is Wells Fargo criteria
I tried 2x and got rejected
No idea why
I have checking/savings with Wells Fargo several yrs. Applied for WF 2% cash back card last year. Got approved with $7k limit. My scores are 690s to low 700s.
ive heard they really value that you have a relationship with them prior to applying
Yeah I heard they really like pushing "mud loans" on a certain segment of the population that qualify for cheaper conventional ones.
I didn’t have a relationship with them and was approved for the Bilt Rewards CC with a $6k starting limit. My score at the time was 716 and they pulled Experian only.
Amex and Discover does tax returns
How's the work?
@@killacam139 4506 C
Didn't need tax return on Didcover..FC was under 650 @ the time...😮
I bank with Chase and just noticed I have pre-approvals for 6 cards including the CSP, CP and chase freedom unlimited. I want a chase card but I am unsure which one to select?
*CSR
, why would you even suggest a card with such a high annual fee?
Chase is dumb. You can get it easy with low score but their 5/24 rule messes most people up
What does this mean. I got a 580 will i be able to get one?
@@TammyJHamilton probably not. I think you need a 620 minimum
I’ve never been able to get approved for any Synchrony credit.
you don't want it anyway right😉
Wow they have approved so many of my cards back to back in less than 6 months. Also they double & triple increase by making a call. Things could be different now from a couple of years back.
I have a thin credit
Profile but 700 and above on all scores. I need a limit of st least 5k for my business, any advice?
My advice? NEVER use your personal credit for a business line of credit. Establish an LLC and get an EIN number for your business, and then use that to apply for a business credit card without using your social security number. The debts will be in the business name and won't affect your personal report (usually, depends on the creditor). You may need to provide a personal guarantee to start with.
@@mannys9130 I have all of that.
@@mannys9130 do I need to make s relationship with a bank or can I just apply for Amex biz or chase biz if my credit is good and I have an ein
Depending on your limits I would go to Truist then chase
I started to apply for Discover
I backed out of the application when I realized my wife has them and hates the card.
I received a denial without even completing the application.
I called to dispute the inquiry and sighted the application was not completed in any way. No income, no phone #,
No send on the application.
They refuse to remove it.
Ludicrous! They should be fined for this business practice.
Penfed not easy i been with them 2 years 750 score denied 4 times an hard pull an was preaprove smh
3 most difficult- us bank, us bank and us bank
True!
😂
I've had bad credit for a while, but I've had a Chase debit for years. Will that help me get a Chase CC
Opening up a checking account and establishing that type of relationship will allow them to see spending history and if you set up direct deposit this could be a way to build up positive data points. Secured credit cards are a soild way too. Capital one, open sky, discover are good secured cards
I'll have to watch the video later. But my vote goes to Discover for the easiest approval. At least from the big banks. They gave me my first unsecured Card while i was still rebuilding my credit. And a pretty decent limit too, for a newbie anyway. Im betting Chase takes the win for the toughest approval! 😆
Another great and insteresting video! I totally forgot about my C1 Platinum card. That was actually my first ever unsecured card. The Discover it was my first rewards card though. And completely agree about Amex. When I got to a 700 credit score, I was surprised to see offers from Amex in my inbox. I was a little bit nervous about applying for the BCP card, but not only was I approved, my credit limit was twice what I had gotten from the other banks! I'll for sure be sticking with Amex for a long time. Great company.
What about Fifth-Third Bank?
I got one from them and it was a 500 CL while other issuers like Amex, Chase, US Bank were giving me thousands in credit (I have a dozen cards). Fifth Third closed the account for inactivity.
I just got into credit cards recently, and decided to get the Discover It card since I got it in the mail saying I was already pre-approved. I got a $8,000 limit and it really surprised me being my first card. I decided I would try to get in with Chase so I applied for the Freedom Unlimited.. I got a $600 limit 🤣
😂 Chase is very tight on the personal side with their limits. I have two business cards with them with $26,000 total credit. Plus Amazon Prime $4000. Applied for the Doordash Card and was given $500 😅😂🤣 🤦🏽♀️
What's it like for Capital One if you've already have one of their cards, like the Savor One, and apply for the Venture card? Do they still pull from all three bureaus, then?
@Shawn Ugh. Thank you.
You may be able to still get approved with experian locked according to Mark reese
@@oaklandtoindy - i did that. I froze experian, so they only pulled transunion & equifax
@@oaklandtoindy how to experian lock; they seem to report the lowest of the 3
Tap in with your help please
Amazon Prime Visa (synchrony) says not able to pull credit report on pre-qualify; what does that mean?
Did you put a credit freeze in with any of the credit bureaus?
@@ProudMoney no
I have the same issue. No freezes, but Amazon says they can’t get my report for a pre approval. Discover and Amex have no problem running a pre approval on me
They will make a statement on how likely you are to be approved based on the information you supply them. If you decide to apply they will hard pull your credit history.
I don't know why I listened this for 15 minutes. When you have score 830+ in all credit reports, no one is hard 😊
My only issue is discover card keeps my 1500 credit line for over 14 years 😢
You need to close that card.
Completely untrue.
😬yeesh, I applied for a discover card earlier this week and got approved for 13k, maybe it's time to let that one go!
I want an AmEX card 😩😩😩
Try your luck and apply. Amex now does a pre-qualify now 🤷🏼♀️
Stay out of the Game
@@berryzedzero not really a “game” the entire structure runs on capital including credit. 🤷🏼♀️
@@athencroft5139 that’s the Game talking…. Not YOU! Why be limited by the game?!
Falling into the game is easy. That's why I choose to remain out of the game.
It's all about the game and how you play it.
@@Jesus-kt5dc you dont play the game. The Game plays you. House always wins bro
You’re out of the game? Why haven’t you told anyone?!?
@@electroduval831 that’s crazy
The most fatal illusion is the settled point of view. Since life is growth and motion, a fixed point of view kills anybody who has one.
Scammers
are you George Bush?
Chase is terrible. Can never get approved for one of their cards, they always make up some bs.
i have 2 chance cards and never had an issue getting approved 🤷🏼♀️
I just got approved for my first credit card with them with not credit history
What is an ideal credit score for a chase freedom credit card
@@commanderman248 Did you get the Freedom Rise? I'm considering this one for my first card
Call the reconsideration line. Got approved for a business chase card and then applied for the personal the same day. They denied the personal card. The banker called the reconciliation line and I was able to get the freedom plus after explaining blemishes on my report