High Credit Limit Credit Cards | BEST No Hard Pull Credit Cards
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- เผยแพร่เมื่อ 21 ธ.ค. 2024
- High Credit Limit Credit Cards | BEST No Hard Pull Credit Cards
On this video I talk about 3 high credit limit credit cards that you can get pre-approved for with NO hard pull - just a soft pull. Most credit card issuers allow you to get pre-approved for credit cards with no hard pull or harm to your credit score so here are 3 high credit limit credit cards and best no hard pull credit cards or best soft pull credit cards that you can get pre-approved for in 2022.
1 - Apple credit card I’ve had this card for quite some time now and I’m currently sitting on a $17,500 credit limit but with the potential to increase my credit limit even further. The apple credit card offers HUGE credit limit increases plus you can get pre-approved for this credit card with only a soft pull.
Apple Credit Card full review: • Apple Credit Card Revi...
2 - SoFi credit card I applied for the SoFi credit card about a month ago and I got pre-approved for it with a $9,000 credit limit - which is a huge credit limit, but I’ve seen people get approved for up to a $25,000 credit limit with this credit card.
SoFi Credit Card full review: • Video
3 - BlockFi credit card I recently got pre-approved for this credit card with a $12,000 credit limit, and no impact to my credit score which was very impressive. The BlockFi credit card offers credit limits up to $25,000 which are huge credit limits making this credit cards a high credit limit credit card.
BlockFi Credit Card Full review: • Video
In conclusion all 3 of the mentioned credit cards are great options for those interested in high credit limit credit cards. They all offer huge credit limits, rewards, and benefits, and you can get pre-approved for all 3 of these credit cards with no impact to your credit score.
Moving forward with a pre-approval offer WILL result in a hard pull on your credit score, which will most likely affect your credit score by a couple points temporarily
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CREDIT CARD OFFERS:
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I am not a lawyer,CPA, lender, realtor or a financial advisor. The content in my videos should not be taken as legal, tax, financial advice, etc, and may or may not be outdated or inaccurate as the time this video was posted. It is your responsibility to verify all information from the video on your own. This is a TH-cam video for Entertainment purposes ONLY. If any company is mentioned is because Dayanaplays has an interest in them. Links included in this description might be affiliate links. If you purchase a product or service with the links that I provide I may receive a commission or referral bonus. PLEASE DO NOT make buying or selling decisions based on Dayanaplays videos. If you need advice, please contact a qualified professional as I am not one.
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I got rejected and had good credit.
💫
I applied for the Apple card and got approved for $3800. My credit score was 670. Thank you
Congrats Michel! 🥳💜
I also love cards from Citibank, Discover, & Synchrony. All soft pull credit limit increases 👍🏼
Well then we're twinsies! 😂💜
What was your highest credit increase from Synchrony? I just got my card in mail and my limit is $8,500.
@@Tbrooksie - i was able to get my paypal mc from $10k - $20k (single CLI)
I also got my amazon store card from $1400 to $10k (multiple CLIs)
same with Bank of America, Capital One & Navy Fed 👍👍
I absolutely LOVE my Sofi card. It was my daily driver for the first quarter of this year and, so far, I've earned almost $400 in points. Got $4000 limit. It's nuts that this is a World Elite MC without an annual fee. My other World Elite card has an $89 annual fee. Sofi has a great ecosystem for anyone interested in online banking investing, etc all under one roof. And last but definitely not least, ""GREAT VIDEOOOOO"" 🥳🥳🥳
That's freaking AWESOME I love when people have good experiences with credit cards! Also thanks for the kind words they mean a lot! 😊💜
Niice!What credit bureau is used for pre approval?
@SeesAW, I almost hit the 'submit' button but i paused. When your app was approved, did they automatically do a HARD PULL ON u, or did they give u the oppty to 'decline' the card (afte approval) due to low credit limit, etc....b4 they hard pull u? thanks
@Theo Paine Initially, it said check to see if you're approved, but when I submitted my info, it went straight to "congratulations" you're application was approved. Two seconds later I started received alerts that my credit had been pulled. That's been over a year so maybe it's a true pre-qualification this time lol. But if you can get it, go for it. Sofi has an amazing ecosystem and suite of financial products and services.
@@SeeSaw99 Good news. So it didn't give u the option to deny the card if they gave u a low credit limit. So I'm gonna assume u are happy with the Credit Limit that they gave u and it was worth the hard pull for u, right? :)
I love my Apple Card with my 13k limit and my Sofi card with a 10k limit.
Look at youuuu! 😊
@@DayanaPlays - I try, I try =)
Thats cool, I do have that offer right now! Not sure if its the next card for me though 🤔...Maybe I should wait till I get to 760 credit limit I'm 4 points away. What do you guys suggest?! So the way I have my cards set up is gas card, food/groceries, my Discover card is my revolving category card because of the 5% on specific categories every 3 months and then my citi card for high expenses but no cash back on that costco citi. Was looking at the citi custom cash too
I did a hard pull on this video
Not sure what that means lol!
Sounds kinda sick 😂😂
Hello, I just want to tell you that I really enjoyed your presentation. I am very given to Airbnb and I wanted to raise my credit limit. I know there may be better credit cards. But the important thing is to start from the basics. Sounds to me, like you're on your way to becoming a great TH-camr. Don't give up and keep enjoying what you love. Many envious will come, but let them suffer from what you enjoy, because God will also put people who will support you. (Example): When you write a book, you write it once and then you sell it many, many more times. Keep pressing forward in what you are passionate about and you will see your harvest isn’t’ a so distant time. A hug from San Antonio Texas. You are great quality person.
Wow, I teared up a little bit. Thank you so much for your kind words, my friend.💜
I just saw this a few hours ago and went to BlockFi to get pre-approved and I was APPROVED! Thank you for sharing this information. 🙏
Glad you found value in the video and congrats on getting approved my friend! 😊💜
Hi, what credit bureau is used for blockfi. ?
Exactly what I was looking for. great video dayana
Glad it was helpful! 😊💜
Extremely helpful thanks.
Anytime! 💚
Such a great video and channel.
Thank you so much! 🧡
I got the PayPal credit card recently and received a 5k limit, which was double my next highest card. Gotta be responsible though, especially with a sub 30k income!
Congrats! 🥳
It's funny how different cards can make more sense based on where you are in your credit card and financial journey. The SoFi card would have made *a* *lot* of sense for me in my early 20s. It actually seems like a great card to help teach good financial habits, which makes it a great card for people early in their financial journey. Now that I'm an old fogey with higher income and higher spending, other cards with higher rewards make more sense, but I think that's a great card for someone early in their financial journey.
It sure is! Thanks for dropping by, my friend! 💙
I want to add to what you are saying .I am finance major in high school and I have always been fascinated with numbers. And just giving some advice .
BOA does a hard pull for new credit and also for limit increases
Amex does not do a hard pull for credit line increases
Amex does not do a hard pull for credit increases and all if you a current card holder and you apply for a second Amex card ,they do not do a hard pull
Chase is tricky and sometimes they will do a hard pull on a new application or they may do two .Depends on where you live and others as a whole
Citi will give you a credit limit increase every six months with out a hard pull.
Apple will also give you a increase without a hard pull
Wells Fargo will also give you a credit increase without a hard pull
Capital One is my least favorite and being they do offer a credit card to people with low credit scores ,it comes with a price and also they are very strict with their credit increases .Capital One is a good starter card and if you are expecting a high limit from them upon applying .You will not get it .
Also I avoid all synchrony bank cards , Target ,Chevron,JCPenny,Macy's,Lowe's and why because of their high interest rates .Store cards off very few rewards. Also when you apply for these store cards and you fall for that 10% off.It is just sales tax and nothing more .And the store receives $50.00 per card whether it is approved or declined .
Also if you cannot afford to pay the balance off in full.It's not worth buying .Whenever I make a big purchase it is with Citi.Because they offer on a consistent basis 18-20 months with no interest on purchases .That is a great time to buy that large ticket item and make payments without any interest .Also I tell people all three credit agencies offa free credit repot .Also when you buy a car check your scores before going to the dealership. They love to run all three credit reports .I always tell them they only need to run one report .because on top of the three reports the finance company runs another one and now you have four inquiries ..
I appreciate the info, my friend! You should start your own TH-cam channel and share your knowledge with the world! 😊
@@DayanaPlays I was thinking about that. I am currently writing a book. My sister came up with a great title.
This was awesome! You’re amazing!!!
Thank you so much!! 😊
I'm just starting rebuilding my credit, I got approved for the apple card with a 500 limit on January 20th 2022, today April 22nd 2022 I requested a increase and that tripled it to 1,500 in less than 2 minutes
Congrats my friend! 😊🧡
Thats awesome, I had to put down a 750 dollar deposit because my credit was 560s 3 years ago! I'm hovering just above 750s now with 16k limit on 4 cards! I'm shopping again for another one but I want a 5 to 10k card. You'll get there 😎
Love all your info. How often do you apply for cards? Looks like you might worry as much about dings from hard pull. Appreciate it
Thank you so much! I really don't have a specific time between each application. For me it all depends on whether I'm interested in a new card, welcome bonus, etc. Coincidentally whenever I apply for a new card it's after 6-12 months from the previous application and sometimes I go longer without applying for anything.
I currently only have 10 credit cards and only 1 hard inquiry because the rest have fallen off my credit report. So I'm good in that area.
Hope that makes sense! 😊
Great info! Thank you. I’m a huge SoFi fan.
Jasonnnn! Thanks for stopping by my friend I too love SoFi! 😊🙌🏽
What do they pull from?
What are the minimum qualifying fico scores for these credit cards ?
Stopped half way. Headed to my Apple wallet to request an increase for the hell of it and got a credit increase. Small increase but still ok since I really don’t even use my Apple Card. Lol.
Lol that's awesome congrats! 😊💙
Excellent presentation 👍👍👍. And Good information 👍very professional & clear information.
Thank you! 💜
You are an awesome presenter, thank you!
Means a lot! Thank you! 🧡
Great show
Thank you! 😊
I LOVE huge credit limits!! BTW, 1st comment yay! Thanks for another amazing video as always 😄❤
Don't we all love huge CL's!! 🤑 Thanks for the constant love and support love ya! 😊💜
@@DayanaPlays LOVEEEEE YAAAAA ❤️❤️❤️
I like when you say credit card😊
I say it a lot! 😂
I’m ok with it 😊😂
They make you check this box that’s states
I have read, understood, and consent to the SoFi Credit Card Terms and Conditions., opens in new window I acknowledge an approved application will result in a hard credit pull which might impact my credit score.
The only time SoFi does a soft pull is when you get pre-approved - if you choose to move forward with your pre-approval offer then it results in a hard pull. As stated in the video.😊
@@DayanaPlays even if I check box that states they will do a hard pull?
@@pero4pesos585 Hey, So how it works is that if you go on their site and get pre-approved that’ll only result in a soft pull. But if you accept the pre-approval offer then it’ll be a hard pull.
Great info. Thanks
You're very welcome! 😊
Take this note how ever you like. But try not to sound as robotic. This was great information. However you do this melodic pattern with your voice with every other sentence and it becomes very repetitive. It reminds me of the same melodic of a news reporter. (Which is fine) but then you just repeat every sentence the same way instead of it flowing naturally. 8:30-9:10 is an example of what I’m talking about. Love the information though.
.... hello mi amor, do these cards offer the same for business cc, or what companies do the same, but for business credit cards?
BX STAND UP!!!
Huh?
BX STAND UP!!!
That sounds great how do we get started.
min credit score? But do they tell you the AMOUNT you will be getting?
Please Add the Gemini Credit Card 💳 💎 to this list It’s a Soft Pull & very easy application process o yeah the cards metal with 3 color options 😁
Nice! 😊
I heard the same thing but evert time i apply it says my credit is locked. I check all three and they aren't. I'm nit sure what's going on with the site
very informative!
Means a lot Hector thank you so much! 😊💜
you should do phone reviews on prepaid companies. Idk just a idea 💡
Hey i earn about 10k a month and im searching for a credit card where I can keep my money safe like over 100k limit if it exist lol but I dont know what card to get to put all my money in please help
First I would like to say that I enjoyed your video. I've worked so hard to build my credit score up so I'm trying not to do anything that will cause my credit score to drop. I understand that the cards you mentioned will do a soft hit at first, and then a hard hit once approved. Do you know of any cards that will not do a hard pull once you are approved.
Hey, thank you so much! There are a couple options, but they're not very good cards, and they come with annual fees. Hard pulls only have a temporary effect on your score (they stay on your report for two years but only affect it for one).Question: When did you start your credit journey, and what's your current score?
I'm scared to lift the freeze on my credit card. I have good credit but all my limits are up. And would love to get hight limits credit cards. The highest limit card that I have is my discover but it's only $2600 which is low. And i usually keep the balances up on my cards do think that might be the problem. I have not lates on my report.
Hey William, what do you mean by “keep the balances up”? Are you referring to utilization? 😊
when you sign up for the apple card and take the offer its a hard pull same as sofi
Yep as mentioned in the video! 😊
gm is run through the same company as apple card. so their limits will be close to what apple is giving. spurpised gm wasn't on the list. i got approved for apple and gm but declined the offers becasue i would rather have the larger limit cards than a bunch of cards with low limits. the secret to that are credit unions and building a relationship with the top credit unions.
I have listened to this video six times. This woman is simply too gorgeous to pay attention to any of her words.
Well that's one way to help my channel out! 😂 Thank you so much! 💙
Thirsty
Simp
She gets paid to do this not a coincidence she’s good looking and speaks well
I already bank with Sofi and was looking into getting their CC after you mentioned it. Just called Sofi but was told it's not a soft pull pre-approval. Anyone else experienced something different or is it a softpull?
Hey its a soft pull if you get declined & a hard pull if you get approved for the card atleast that’s been the case for awhile now. But these things are always changing, so if you recently called and they told you it’d be a hard pull, then I’d go with their answer. Hope this helps! 😊
@@DayanaPlays thanks
JA JA. I just applied for this one too and got approved but for only 3K. My FICO is > 750 and I make > 100K. I am thinking they may care about inquiries. I do have A LOT of inquiries. Maybe they are seeing me as a risky person cuz on that. What do you think?
Dayana, with SoFi, their pre-approval set up is a bit different than AMEX. With AMEX, they will tell u if u are approved (prior to the HARD PULL) & give u an oppty to 'decline' the card b4 they hit u with the Hard Pull. With SoFi , it appears like AMEX they won't do a HARD PULL until u are approved. But I thinks the big difference with them (vs AMEX) is ....if u are approved, they will proceed ahead & do the HARD PULL w/out allowing u to DECLINE the card (e.g.. credit limit too low, etc.) .
So will SoFI tell me how much I'm approved for b4 they hard pull me? Do i get a chance to 'decline' the card by they add an inquiry to my reports?
I'm down to the SUBMIT button on their app, but i paused cuz if i am approved (w/out knowing what i'm approved for) & get a hard inquiry with a low credit limit, i'm gonna be one pissed bro 😒😒& find a way to take out my anger on your channel 😁😁
As of 1/27/22 When you submit a request for credit, SoFi conducts a soft pull that will not affect your credit score. An approved request will result in a hard credit pull, which may impact your credit score.
your Amazing girl... terrific person
Thanks J! 😊
How soon can a person ask for a credit limit increase with an Apple Card?
Hey Tiffany, good question. When you first get the card, wait 6 months before requesting one. That way, you have enough usage/payment history built up. After your first increase, you can ask for one every 3-6 months if you like.
Hope this helps! 😊
@@DayanaPlays Yes, it did…Thanks so much!
What credit bureaus do these cards pull from ?
Transunion fico
Hey,
can you make a video for startup business (e-commerce) credit cards for beginners with no credit score?
Sure thing! 😊
you bad lol first thoughts once the video started💀
Thanks! 😂
Thank you
You're welcome! 😊🧡
I have had Apple Card for two months. Probly to early to ask for credit increase ??
Wait one more month aka 91 days
@@luis51785 thank you
I usually wait 3-6 months before asking for a credit limit increase. You want to have some activity on the card to show that you actually use it as well as a good payment history before asking for an increase. Good luck my friend! 😊💜
Can apply every month ... just do 20 or more transactions in a month ...big or small
@@5280CinemaGroupTv I did that and it didn’t work lol
So you can not get an apple phone you can not get an apple phone.
How much was your credit limit when you first applied? Also how many times did you have to request an increase to get 12.5k for credit? I've had mine for two years and have only gotten mine to be about 4k for a limit, and that's with a 750+ credit score.
Dayana i have a car loan from Wells Fargo, you think if I apply for there credit card I can get a high limit being that I already have a loan with them and in good standing?
I believe that could definitely help you IF they consider it, but I can't give you a definitive answer. Remember there are many other factors that contribute to getting approved for a credit card/high limits. What WF card are you thinking of getting?
@@DayanaPlays wells fargo active cash
wat bureaus do they pull from??
I got approved for the Sofi card and my credit limit is $6,000...
That's awesome Jermaine congrats! 🥳
What was your score at the time?
We twinzzy
💙💙
What do need get the card in what bureau they pull from
Where does the blockfi card pull from?
My credit reports are frozen but Blockfi said it tried to pull my Experian
Good info. To your knowledge are there any credit cards with hi credit limits that does NOT involve a HARD PULL whatsoever (besides X1 in their early days)?. That is what I'm most interested in. I do have a high FICO with low utilization. I just don't want to add another Inquiry on my credit reports. Thanks
hey dayana I have 4 credit cards with credit over 740, but only 3 years of credit history. but allways on time payments. is it possible to get a high limit card somewhere in the range of 9,000 in my case?
Hey Danny, that’s definitely possible. My picks would be the following:
- SoFi credit card (I got approved for $9,000) recommended score 670+
- Amex blue cash preferred card (I got approved for $25,000) recommended credit score 670+
- Apple card (started me off at $12,500 now I’m at $17,500 w/ credit limit increases) recommended score 700+
- Chase Sapphire Reserve (minimum cl is usually $5-10,000) recommended score 720/740+
Hope this helps! 😊
@@DayanaPlays gracias dayana, your a doll mama thanks for your time and the help👍
Yes same situation and got approved for a 9,000 credit limit with discover it card
Out of all 3, which one is your favorite and why?
Hey, Brian atm I would say SoFi. It's my go to for (all other purchases)
One of the best videos I watched today, thanks for sharing. worth subbing... a fellow creator,,
Thanks Yasin! 😊💜
Are sofi card considered a store card?
Hey, no it’s not.
@@DayanaPlays ty!
@@kawaiisenshi2401 Welcome! 😊
All I heard was "we're twinsies" 😁.
That's all I wanted you guys to hear! 😂💜
@@DayanaPlays lol 😆. Well, you definitely speak our language
Boom 💥
You're the best! 💜😂
How much do u have to make annually in order to be approved for apple credit card???
I am just wondering because I was declined.
What was your credit score at the time of applying?
Hey Juan, 750+ 😊
Pretty, adorable , smart and cute shirt
Aw thank you! 😊
Most definitely welcome
Why is your goal for $100000 overall credit limit?
Hey just because I want to have credit access to 6 figures! 😊
@@DayanaPlays haha well I suppose thats as good of a reason as any! 😆 thank you for explaining 😊
how old are you
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Jeyson the man! Thanks for the love and support my friend! 😊💜
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I got distracted by ya beauty I wasn’t even listening smh gotta watch it all over now lmfaooooo 🤦🏾♂️
Lol well that's great for the TH-cam algorithm so I'm not complaining haha! BTW thanks for the love! 😊
@Message-the-number-above-. check
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Thanks Jimmy! 😊💜
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Crypto credit cards are the future, today.
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Dang!!! I thought I got the first comment 😅
You're very beautiful. Wonderful presentation and great information
Thank you so much! 😊
Que mulher linda toppp demais 🇧🇷
Gracias! 😊
Your a natural beauty can we be friends
I have the crazy crush on her 😩
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Yes sir! 😂
Hey 🍯 honey
Hey! 😊
sundenly I really want some honey
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Thanks! 😊
I'm thankful i got paid very fast through this top profile ☝☝☝it's a very big help for my financial life and business