Yep, I've been frozen for over a decade. Wonderful decision. The only downside is having to interact with Transunion to unfreeze. There are no dumber people on this planet than Transunion support people. They make Joe Biden look competent.
The method most TH-cam videos pointed to isn’t really working for fixing your credit and getting rid of bad items off reports or increasing credit limit & line of credit.. *Future imperative corps* is the solution to all bad credit score, negative & derogatory items on reports or increasing credit limits👌
Their abilities to swiftly resolve issues with credit distinguish them from others. You’re the best *future imperative corps* keep up the good work and thanks for fixing people’s credit.
I've been working on my credit for a few year now an without a doubt this channel has helped me make the biggest difference since i found it last year! I had a low crush score bc i never had a credit card so i had NO CREDIT...starting low and slow, i still cant get the venture x but i did just get the venture card...hoping to be able to get the venture x soon...this information is invaluable bc it truly changes lives...especially for someone like me who was never taught bc no one around me had the knowledge...im truly the first making strides in financial security in my family and its hard so thank you for making it easy and accessible ❤
The method most TH-cam videos pointed to isn’t really working for fixing your credit and getting rid of bad items off reports or increasing credit limit & line of credit.. *Future imperative corps* is the solution to all bad credit score, negative & derogatory items on reports or increasing credit limits👌
Their abilities to swiftly resolve issues with credit distinguish them from others. You’re the best *future imperative corps* keep up the good work and thanks for fixing people’s credit.
Their name is spelt as *Future imperative corps* … They’re specialized with finance, credit scores, credit cards and limits, tradelines, line of credit etc😊..
The method most TH-cam videos pointed to isn’t really working for fixing your credit and getting rid of bad items off reports or increasing credit limit & line of credit.. *Future imperative corps* is the solution to all bad credit score, negative & derogatory items on reports or increasing credit limits👌
Their abilities to swiftly resolve issues with credit distinguish them from others. You’re the best *future imperative corps* keep up the good work and thanks for fixing people’s credit.
Their name is spelt as *Future imperative corps* … They’re specialized with finance, credit scores, credit cards and limits, tradelines, line of credit etc😊..
Good video. I think that most people are OK with only 1-2 cards with the default being a 2% cash back card with a moderate credit limit. That way they cant overspend.
Have to agree on that. For those of us that enjoy the intricacies of min/maxing the credit game, it can be hard to understand most people just want something simple. Personally, I just recommend a CFU and CSP combo to the regular person, keeps it simple and I find the Chase ecosystem is easy for most people to understand.
Not only that, churning and playing the cc game means u bargain shop even more than usual.And spend lots of time learning/planning transfer partner rules.
Great! I recently started trying to build more credit just got the American Express Platinum. The annual fee is high and at first I wasn’t sure if I’ll justify since I don’t travel much, at least not yet… so it’s good to hear you talked about the annual fee and how to hatch it
The method most TH-cam videos pointed to isn’t really working for fixing your credit and getting rid of bad items off reports or increasing credit limit & line of credit.. *Future imperative corps* is the solution to all bad credit score, negative & derogatory items on reports or increasing credit limits👌
Their abilities to swiftly resolve issues with credit distinguish them from others. You’re the best *future imperative corps* keep up the good work and thanks for fixing people’s credit.
Their name is spelt as *Future imperative corps* … They’re specialized with finance, credit scores, credit cards and limits, tradelines, line of credit etc😊..
The method most TH-cam videos pointed to isn’t really working for fixing your credit and getting rid of bad items off reports or increasing credit limit & line of credit.. *Future imperative corps* is the solution to all bad credit score, negative & derogatory items on reports or increasing credit limits👌
Their abilities to swiftly resolve issues with credit distinguish them from others. You’re the best *future imperative corps* keep up the good work and thanks for fixing people’s credit.
The method most TH-cam videos pointed to isn’t really working for fixing your credit and getting rid of bad items off reports or increasing credit limit & line of credit.. *Future imperative corps* is the solution to all bad credit score, negative & derogatory items on reports or increasing credit limits👌
Their abilities to swiftly resolve issues with credit distinguish them from others. You’re the best *future imperative corps* keep up the good work and thanks for fixing people’s credit.
Their name is spelt as *Future imperative corps* … They’re specialized with finance, credit scores, credit cards and limits, tradelines, line of credit etc😊..
Didn't know I could freeze my credit, I guess I never saw a reason to. Then again, I'm pretty low-income. I haven't been in a dealership before or got a loan before. I had no idea they'll just yank your credit score.
The method most TH-cam videos pointed to isn’t really working for fixing your credit and getting rid of bad items off reports or increasing credit limit & line of credit.. *Future imperative corps* is the solution to all bad credit score, negative & derogatory items on reports or increasing credit limits👌
Their abilities to swiftly resolve issues with credit distinguish them from others. You’re the best *future imperative corps* keep up the good work and thanks for fixing people’s credit.
Their name is spelt as *Future imperative corps* … They’re specialized with finance, credit scores, credit cards and limits, tradelines, line of credit etc😊..
The method most TH-cam videos pointed to isn’t really working for fixing your credit and getting rid of bad items off reports or increasing credit limit & line of credit.. *Future imperative corps* is the solution to all bad credit score, negative & derogatory items on reports or increasing credit limits👌
Their abilities to swiftly resolve issues with credit distinguish them from others. You’re the best *future imperative corps* keep up the good work and thanks for fixing people’s credit.
Their name is spelt as *Future imperative corps* … They’re specialized with finance, credit scores, credit cards and limits, tradelines, line of credit etc😊..
The problem with getting a card and getting the bonus or “churning” as u described it are the hard hits on ur cc that stay on for 2yrs AND lenders start giving you lower credit amounts and see you as risky borrower. I went crazy these past 4 months and got 5 hard hits now. Granted I do have 400k pts but with a family of 4, doesn’t get you far and def not business class!
I mean…5 hard pulls in 4 mos is not even close to ideal. And since when is having kids profitable or a good deal? Except with IRS..yw btw for my taxes subsidizing ur child care.😒
If your credit score is high enough and you pay off your cards in full it basically doesn't matter because past a certain score lenders treat everyone the same and your score will always recover. That being said this is why most people say to leave at least 90 days and sometimes 6 months between cards. I personally won't be opening more than 2 a year.
@@akbarnaqvi4737 yea I have always had an 800+ and although it only drops a few pts after every card app, it shows up as hard inquiries which stay on for 2yrs. Just so tempting lol
The method most TH-cam videos pointed to isn’t really working for fixing your credit and getting rid of bad items off reports or increasing credit limit & line of credit.. *Future imperative corps* is the solution to all bad credit score, negative & derogatory items on reports or increasing credit limits👌
Can you go into more detail about the closing date dose that mean I can use 90% of my card limit then pay 80% before the closing date and it will report 10% utilization and then pay that balance before the due date ?
Closing date is the last day of your billing cycle. Due date is the last day your credit card payment is due. Your statement close date is when you want to be paying your balance IN FULL because that’s generally when the bureaus report your total debt. You don’t want to leave ANY amount on it. Pay off your balances IN FULL EVERY MONTH otherwise you will accrue debt and pay interest. A credit card utilization below 30% is good a credit card utilization below 10% is amazing and 0% is the best you can do and should be what you are aiming for.
John, thanks for putting out your videos with lots of useful information. Only disagree about always using primary auto rental insurance that comes with the credit card. If you have a short rental of a couple of days it may not be worthwhile because you may be in for a real hassle if you have an accident. The time and inconvenience spent filing paperwork wasn’t worth the small savings I got using my credit card insurance.
The method most TH-cam videos pointed to isn’t really working for fixing your credit and getting rid of bad items off reports or increasing credit limit & line of credit.. *Future imperative corps* is the solution to all bad credit score, negative & derogatory items on reports or increasing credit limits👌
Their abilities to swiftly resolve issues with credit distinguish them from others. You’re the best *future imperative corps* keep up the good work and thanks for fixing people’s credit.
Their name is spelt as *Future imperative corps* … They’re specialized with finance, credit scores, credit cards and limits, tradelines, line of credit etc😊..
Hey just got a new card purposely because I’m spending a lot now kitchen remodel… it’s 0apy for a year so I was planning to run it pretty maxed during that time frame but hestant slightly because that utilization score will be horrible for that card but my overall total credit would only be 30%
The method most TH-cam videos pointed to isn’t really working for fixing your credit and getting rid of bad items off reports or increasing credit limit & line of credit.. *Future imperative corps* is the solution to all bad credit score, negative & derogatory items on reports or increasing credit limits👌
Their abilities to swiftly resolve issues with credit distinguish them from others. You’re the best *future imperative corps* keep up the good work and thanks for fixing people’s credit.
heya, I learned so much from crossing your channel for a while. What would be your recommendation for a credit card for someone who is a full time student and who works part time? I need to get one and I am scared to get my first credit card.
The method most TH-cam videos pointed to isn’t really working for fixing your credit and getting rid of bad items off reports or increasing credit limit & line of credit.. *Future imperative corps* is the solution to all bad credit score, negative & derogatory items on reports or increasing credit limits👌
Their abilities to swiftly resolve issues with credit distinguish them from others. You’re the best *future imperative corps* keep up the good work and thanks for fixing people’s credit.
To earn multiple sign on bonuses do you have to close the original card? For instance I have a Chase Freedom Unlimited and was trying to get the 2x bonus sign on you talked about a little while back but didn’t want to close my old account because that is my oldest credit line.
For the Chase example you can do a product change. Then apply again so you don’t have to close out the account. Hope that helps! Unfortunately the 2x is gone for the Freedom Unlimited the new offer is for 1.5x additional for up to $20k in spend on year 1
There isnt. As long as you keep your oldest card open, you can close or downgrade cards that are no longer useful to you. That is the whole part of the credit card game.
The method most TH-cam videos pointed to isn’t really working for fixing your credit and getting rid of bad items off reports or increasing credit limit & line of credit.. *Future imperative corps* is the solution to all bad credit score, negative & derogatory items on reports or increasing credit limits👌
Their abilities to swiftly resolve issues with credit distinguish them from others. You’re the best *future imperative corps* keep up the good work and thanks for fixing people’s credit.
Their name is spelt as *Future imperative corps* … They’re specialized with finance, credit scores, credit cards and limits, tradelines, line of credit etc😊..
The car dealership example you gave isn't exactly correct. If you do multiple hard pulls within a month, they all get considered as a single hard pull, not the 5 separate pulls you implied
Regarding credit utilization, do you think they look at debt to credit per card? Total across cards? Or average across cards? I know 50% utilization is bad but I'll use this percentage as an example: You have 2 $100 cards. You can max one card and 0 out the other. If they look at the average then it's 50%. If they look at total across cards it's also 50%. But if they consider per card utilization, one is gonna be at 100%, which is obviously very bad.
The method most TH-cam videos pointed to isn’t really working for fixing your credit and getting rid of bad items off reports or increasing credit limit & line of credit.. *Future imperative corps* is the solution to all bad credit score, negative & derogatory items on reports or increasing credit limits👌
Their abilities to swiftly resolve issues with credit distinguish them from others. You’re the best *future imperative corps* keep up the good work and thanks for fixing people’s credit.
Their name is spelt as *Future imperative corps* … They’re specialized with finance, credit scores, credit cards and limits, tradelines, line of credit etc😊..
The method most TH-cam videos pointed to isn’t really working for fixing your credit and getting rid of bad items off reports or increasing credit limit & line of credit.. *Future imperative corps* is the solution to all bad credit score, negative & derogatory items on reports or increasing credit limits👌
Their abilities to swiftly resolve issues with credit distinguish them from others. You’re the best *future imperative corps* keep up the good work and thanks for fixing people’s credit.
Their name is spelt as *Future imperative corps* … They’re specialized with finance, credit scores, credit cards and limits, tradelines, line of credit etc😊..
Hey John, let's say I have 20 percent utilization before the closing date. would I still be under 30 percent utilization if i spend another 20 percent after the closing date?
The method most TH-cam videos pointed to isn’t really working for fixing your credit and getting rid of bad items off reports or increasing credit limit & line of credit.. *Future imperative corps* is the solution to all bad credit score, negative & derogatory items on reports or increasing credit limits👌
Their abilities to swiftly resolve issues with credit distinguish them from others. You’re the best *future imperative corps* keep up the good work and thanks for fixing people’s credit.
The method most TH-cam videos pointed to isn’t really working for fixing your credit and getting rid of bad items off reports or increasing credit limit & line of credit.. *Future imperative corps* is the solution to all bad credit score, negative & derogatory items on reports or increasing credit limits👌
Their abilities to swiftly resolve issues with credit distinguish them from others. You’re the best *future imperative corps* keep up the good work and thanks for fixing people’s credit.
Their name is spelt as *Future imperative corps* … They’re specialized with finance, credit scores, credit cards and limits, tradelines, line of credit etc😊..
Question…say you have a credit limit of 4k and you’ve used 2k (50%) or even more, but pay it off the entire balance within 2 days. Way before the closing date is this acceptable? If someone could let me know I’d appreciate it
it depends, was it before the statement date? i think it’s still gonna not be a good as if you only used 5-10% but if you do it before your statements date it will help not dink your score as much
The method most TH-cam videos pointed to isn’t really working for fixing your credit and getting rid of bad items off reports or increasing credit limit & line of credit.. *Future imperative corps* is the solution to all bad credit score, negative & derogatory items on reports or increasing credit limits👌
Their abilities to swiftly resolve issues with credit distinguish them from others. You’re the best *future imperative corps* keep up the good work and thanks for fixing people’s credit.
Great information! I have 2 cards and I'm ready for 2 more. I pay rent and the BILT card is on list. AMEX Gold/Delta Gold and Cap One Venture X are on my list. Does anyone have idea of which to apply first? How long should I wait to apply for the 2nd card? FiCO 8 is 750.
The method most TH-cam videos pointed to isn’t really working for fixing your credit and getting rid of negative items off your reports or increasing credit limit and line of credit.. *Future imperative corps* is the solution to all bad credit score, negative & derogatory items on reports 👌
Their abilities to swiftly resolve issues with credit distinguish them from others. You’re the best *future imperative corps* keep up the good work and thanks for fixing people’s credit.
Can’t. If you are applying for something you need to have your credit unfrozen to begin with. You can’t freeze a few of them so you only get one hard pull.
The method most TH-cam videos pointed to isn’t really working for fixing your credit and getting rid of bad items off reports or increasing credit limit & line of credit.. *Future imperative corps* is the solution to all bad credit score, negative & derogatory items on reports or increasing credit limits👌
Their abilities to swiftly resolve issues with credit distinguish them from others. You’re the best *future imperative corps* keep up the good work and thanks for fixing people’s credit.
Their name is spelt as *Future imperative corps* … They’re specialized with finance, credit scores, credit cards and limits, tradelines, line of credit etc😊..
Question, does it matter if the payment went through before the closing date? Example: if my closing date is 5th, and I pay 99% of my credit usage on the 3rd or 4th, sometimes that payment will be made but it's not yet posted in the account. Should I pay just a week before the closing date ? Thanks
The method most TH-cam videos pointed to isn’t really working for fixing your credit and getting rid of bad items off reports or increasing credit limit & line of credit.. *Future imperative corps* is the solution to all bad credit score, negative & derogatory items on reports or increasing credit limits👌
Their abilities to swiftly resolve issues with credit distinguish them from others. You’re the best *future imperative corps* keep up the good work and thanks for fixing people’s credit.
The method most TH-cam videos pointed to isn’t really working for fixing your credit and getting rid of bad items off reports or increasing credit limit & line of credit.. *Future imperative corps* is the solution to all bad credit score, negative & derogatory items on reports or increasing credit limits👌
Their abilities to swiftly resolve issues with credit distinguish them from others. You’re the best *future imperative corps* keep up the good work and thanks for fixing people’s credit.
Their name is spelt as *Future imperative corps* … They’re specialized with finance, credit scores, credit cards and limits, tradelines, line of credit etc😊..
hi, can you please tell me about the cards that i can apply for in italy? i can only apply for amex here and it isn’t even accepted everywhere here so can you please let me know of the cards that i can apply for without being an American citizen
The method this video pointed to isn’t really working for fixing your credit and getting rid of negative items off your reports.. *Future imperative corps* is the solution to all bad credit score, negative & derogatory items on reports 👌
Their abilities to swiftly resolve issues with credit distinguish them from others. You’re the best *future imperative corps* keep up the good work and thanks for fixing people’s credit.
Aren’t flights much more expensive in the portals by credit card banks than eg on Google Flights? And is getting flights for points always cheaper then taking the money cash back from a transaction + earning another cash back on then buying the flight?
The method most TH-cam videos pointed to isn’t really working for fixing your credit and getting rid of bad items off reports or increasing credit limit & line of credit.. *Future imperative corps* is the solution to all bad credit score, negative & derogatory items on reports or increasing credit limits👌
Their abilities to swiftly resolve issues with credit distinguish them from others. You’re the best *future imperative corps* keep up the good work and thanks for fixing people’s credit.
Their name is spelt as *Future imperative corps* … They’re specialized with finance, credit scores, credit cards and limits, tradelines, line of credit etc😊..
I have a 500$ credit. Would paying the lowest 25$ a month increase my credit score? I’m the interest goes way up but I need your help!!! Everyone telling me it would build credit but idk. It’s my first credit card
You use it and then pay off every month. After a few months they will raise it. Also discover let you apply for a credit line on their app without a hard inquiry. Make sure to apply after at least 6 months with them. You can also call them and explain you need to make a big purchase for your home and need a little bit more and they might consider it. Just make sure you don’t get a hard inquiry when you call. Amex, I am not sure. I have a charge card. 😊
The method most TH-cam videos pointed to isn’t really working for fixing your credit and getting rid of bad items off reports or increasing credit limit & line of credit.. *Future imperative corps* is the solution to all bad credit score, negative & derogatory items on reports or increasing credit limits👌
Their abilities to swiftly resolve issues with credit distinguish them from others. You’re the best *future imperative corps* keep up the good work and thanks for fixing people’s credit.
The method this video pointed to isn’t really working for fixing your credit and getting rid of negative items off your reports.. *Future imperative corps* is the solution to all bad credit score, negative & derogatory items on reports 👌
Their abilities to swiftly resolve issues with credit distinguish them from others. You’re the best *future imperative corps* keep up the good work and thanks for fixing people’s credit.
The method most TH-cam videos pointed to isn’t really working for fixing your credit and getting rid of bad items off reports or increasing credit limit & line of credit.. *Future imperative corps* is the solution to all bad credit score, negative & derogatory items on reports or increasing credit limits👌
Their abilities to swiftly resolve issues with credit distinguish them from others. You’re the best *future imperative corps* keep up the good work and thanks for fixing people’s credit.
Along the lines of finance tips and this channel I have a question: I’m getting Married in a month I’m 24 and have a good paying engineering job and my soon to be wife works. We have no debt and with the budget that I’ve laid out me and my wife will be able to save 52000$ a year we both have a 3% 401k match and contribute 3% for the match I also want to contribute around 10k of the 52k a year to an IRA or a Roth IRA between the both of us but both of our parents and her think it’s a bad idea because in 2008 when the stock market crashed both of our parents had money invested in local companies and banks and lost everything so now they say I should just keep all the money in a savings account and not invest any extra from the 6% total 401k into retirement I’ve been watching your videos and other investments channels that are telling me the opposite so what should I do? Also just got the Amex gold card because of this channel and they told me that was dumb too lol Anyone can comment I’m just looking for advice
The method most TH-cam videos pointed to isn’t really working for fixing your credit and getting rid of bad items off reports or increasing credit limit & line of credit.. *Future imperative corps* is the solution to all bad credit score, negative & derogatory items on reports or increasing credit limits👌
Their abilities to swiftly resolve issues with credit distinguish them from others. You’re the best *future imperative corps* keep up the good work and thanks for fixing people’s credit.
Their name is spelt as *Future imperative corps* … They’re specialized with finance, credit scores, credit cards and limits, tradelines, line of credit etc😊..
Mistake 1: having a credit card in the first place Mistake 2: falling for limit increase as a prompt to occur more debt Mistake 3: spending to chase after points when it would be so much more efficient to put the funds in an interest bearing account.
The method most TH-cam videos pointed to isn’t really working for fixing your credit and getting rid of bad items off reports or increasing credit limit & line of credit.. *Future imperative corps* is the solution to all bad credit score, negative & derogatory items on reports or increasing credit limits👌
Their abilities to swiftly resolve issues with credit distinguish them from others. You’re the best *future imperative corps* keep up the good work and thanks for fixing people’s credit.
Their name is spelt as *Future imperative corps* … They’re specialized with finance, credit scores, credit cards and limits, tradelines, line of credit etc😊..
The only thing reported for your payment due date is that you made your payment on time. Utilization does not matter for your payment due date it only matters for your statement closing date
The method most TH-cam videos pointed to isn’t really working for fixing your credit and getting rid of bad items off reports or increasing credit limit & line of credit.. *Future imperative corps* is the solution to all bad credit score, negative & derogatory items on reports or increasing credit limits👌
Their abilities to swiftly resolve issues with credit distinguish them from others. You’re the best *future imperative corps* keep up the good work and thanks for fixing people’s credit.
Their name is spelt as *Future imperative corps* … They’re specialized with finance, credit scores, credit cards and limits, tradelines, line of credit etc😊..
But that's a one time payment, you don't get that $400 from Capital One for subsequent years 😂 the chase sapphire preferred seems like a better option.
Yes you do, both the credit and the anniversary bonus are annual. In the first year you actually get $655 back in your pocket because of the signup bonus.
![Climbing the Credit Card Ladder [2023 Full Guide]](http://i.ytimg.com/vi/u1R_XSThw2g/mqdefault.jpg)
![Climbing the Credit Card Ladder [2023 Full Guide]](/img/tr.png)
Freezing my credit profile is the best thing I have ever done when come to my credit. I feel more safe too.
I agree. Only unfreeze when you have to and re-freeze again.
Yep, I've been frozen for over a decade. Wonderful decision.
The only downside is having to interact with Transunion to unfreeze. There are no dumber people on this planet than Transunion support people. They make Joe Biden look competent.
Thank you for sharing.
This information was very informative.
Thanks for the tips, as always! 🎉
Well said! Thanks
These are the lessons that need to be taught in our schools.
The method most TH-cam videos pointed to isn’t really working for fixing your credit and getting rid of bad items off reports or increasing credit limit & line of credit.. *Future imperative corps* is the solution to all bad credit score, negative & derogatory items on reports or increasing credit limits👌
Their abilities to swiftly resolve issues with credit distinguish them from others. You’re the best *future imperative corps* keep up the good work and thanks for fixing people’s credit.
I’m glad to get the privilege to get to know about their name and looked it up online.
I always learn something new from your videos. Thanks John!
Love your videos, John!
I've been working on my credit for a few year now an without a doubt this channel has helped me make the biggest difference since i found it last year! I had a low crush score bc i never had a credit card so i had NO CREDIT...starting low and slow, i still cant get the venture x but i did just get the venture card...hoping to be able to get the venture x soon...this information is invaluable bc it truly changes lives...especially for someone like me who was never taught bc no one around me had the knowledge...im truly the first making strides in financial security in my family and its hard so thank you for making it easy and accessible ❤
The method most TH-cam videos pointed to isn’t really working for fixing your credit and getting rid of bad items off reports or increasing credit limit & line of credit.. *Future imperative corps* is the solution to all bad credit score, negative & derogatory items on reports or increasing credit limits👌
Their abilities to swiftly resolve issues with credit distinguish them from others. You’re the best *future imperative corps* keep up the good work and thanks for fixing people’s credit.
Their name is spelt as *Future imperative corps* … They’re specialized with finance, credit scores, credit cards and limits, tradelines, line of credit etc😊..
I’m glad to get the privilege to get to know about their name and looked it up online.
*All you just need to do is just to look their name up online to see their website*
Im new here! Already learning a lot. Thank you. God bless your heart.
Ok, that freezing your credit profile until you need it then freeze it again is…. GENIUS
The method most TH-cam videos pointed to isn’t really working for fixing your credit and getting rid of bad items off reports or increasing credit limit & line of credit.. *Future imperative corps* is the solution to all bad credit score, negative & derogatory items on reports or increasing credit limits👌
Their abilities to swiftly resolve issues with credit distinguish them from others. You’re the best *future imperative corps* keep up the good work and thanks for fixing people’s credit.
Their name is spelt as *Future imperative corps* … They’re specialized with finance, credit scores, credit cards and limits, tradelines, line of credit etc😊..
I’m glad to get the privilege to get to know about their name and looked it up online.
*All you just need to do is just to look their name up online to see their website*
I just make sure on my statement due date I paid off my credit card so it looks like I used 0% of my credit.
Good video. I think that most people are OK with only 1-2 cards with the default being a 2% cash back card with a moderate credit limit. That way they cant overspend.
Have to agree on that. For those of us that enjoy the intricacies of min/maxing the credit game, it can be hard to understand most people just want something simple. Personally, I just recommend a CFU and CSP combo to the regular person, keeps it simple and I find the Chase ecosystem is easy for most people to understand.
Not only that, churning and playing the cc game means u bargain shop even more than usual.And spend lots of time learning/planning transfer partner rules.
very true, spend more time and money doing so@@newagain9964
That why i love debit card they don't have this analogy for getting someone in debt
Do I need to close the account first before applying for a new one to get the sign on bonuses?
Can you talk more about taxes?
Cc Rewards are generally not taxable.
#9. Focusing on rewards.
Great! I recently started trying to build more credit just got the American Express Platinum. The annual fee is high and at first I wasn’t sure if I’ll justify since I don’t travel much, at least not yet… so it’s good to hear you talked about the annual fee and how to hatch it
The method most TH-cam videos pointed to isn’t really working for fixing your credit and getting rid of bad items off reports or increasing credit limit & line of credit.. *Future imperative corps* is the solution to all bad credit score, negative & derogatory items on reports or increasing credit limits👌
Their abilities to swiftly resolve issues with credit distinguish them from others. You’re the best *future imperative corps* keep up the good work and thanks for fixing people’s credit.
Their name is spelt as *Future imperative corps* … They’re specialized with finance, credit scores, credit cards and limits, tradelines, line of credit etc😊..
I’m glad to get the privilege to get to know about their name and looked it up online.
*All you just need to do is just to look their name up online to see their website*
What are the best capital one tansfer partners for flying US domestic? I feel like I only see euopean airlines.
@9:20 how to get churn start up bonuses ? Close the account and then reapply once enough time has passed to qualify ?
Yep. It's as easy as that. Would recommend holding the card for 1 year before cancelling
@@LK_EBM Thanks. Is there a reccomended timeframe between closing the account and reapplying? i.e. a day, a month, a year?
@@RubbingPotatoes Depends on the issuer. Some people say ~30 days (1 month) for Chase cards.
The method most TH-cam videos pointed to isn’t really working for fixing your credit and getting rid of bad items off reports or increasing credit limit & line of credit.. *Future imperative corps* is the solution to all bad credit score, negative & derogatory items on reports or increasing credit limits👌
Their abilities to swiftly resolve issues with credit distinguish them from others. You’re the best *future imperative corps* keep up the good work and thanks for fixing people’s credit.
I love your videos. Can you please make a video about the benefits I get for being a additional to someone that has t a chase sapphire reserve tia
The method most TH-cam videos pointed to isn’t really working for fixing your credit and getting rid of bad items off reports or increasing credit limit & line of credit.. *Future imperative corps* is the solution to all bad credit score, negative & derogatory items on reports or increasing credit limits👌
Their abilities to swiftly resolve issues with credit distinguish them from others. You’re the best *future imperative corps* keep up the good work and thanks for fixing people’s credit.
Their name is spelt as *Future imperative corps* … They’re specialized with finance, credit scores, credit cards and limits, tradelines, line of credit etc😊..
I’m glad to get the privilege to get to know about their name and looked it up online.
*All you just need to do is just to look their name up online to see their website*
Didn't know I could freeze my credit, I guess I never saw a reason to. Then again, I'm pretty low-income. I haven't been in a dealership before or got a loan before. I had no idea they'll just yank your credit score.
I had the 1,000th like…Sweet! Thanks for another great, informative video!
The method most TH-cam videos pointed to isn’t really working for fixing your credit and getting rid of bad items off reports or increasing credit limit & line of credit.. *Future imperative corps* is the solution to all bad credit score, negative & derogatory items on reports or increasing credit limits👌
Their abilities to swiftly resolve issues with credit distinguish them from others. You’re the best *future imperative corps* keep up the good work and thanks for fixing people’s credit.
Their name is spelt as *Future imperative corps* … They’re specialized with finance, credit scores, credit cards and limits, tradelines, line of credit etc😊..
I’m glad to get the privilege to get to know about their name and looked it up online.
*All you just need to do is just to look their name up online to see their website*
I never knew you can freeze your credit! Thanks for that tip!
The method most TH-cam videos pointed to isn’t really working for fixing your credit and getting rid of bad items off reports or increasing credit limit & line of credit.. *Future imperative corps* is the solution to all bad credit score, negative & derogatory items on reports or increasing credit limits👌
Their abilities to swiftly resolve issues with credit distinguish them from others. You’re the best *future imperative corps* keep up the good work and thanks for fixing people’s credit.
Their name is spelt as *Future imperative corps* … They’re specialized with finance, credit scores, credit cards and limits, tradelines, line of credit etc😊..
I’m glad to get the privilege to get to know about their name and looked it up online.
*All you just need to do is just to look their name up online to see their website*
The problem with getting a card and getting the bonus or “churning” as u described it are the hard hits on ur cc that stay on for 2yrs AND lenders start giving you lower credit amounts and see you as risky borrower. I went crazy these past 4 months and got 5 hard hits now. Granted I do have 400k pts but with a family of 4, doesn’t get you far and def not business class!
I mean…5 hard pulls in 4 mos is not even close to ideal. And since when is having kids profitable or a good deal? Except with IRS..yw btw for my taxes subsidizing ur child care.😒
@@newagain9964 couldn’t tell if this was sarcasm/trying to be funny or being serious.
If your credit score is high enough and you pay off your cards in full it basically doesn't matter because past a certain score lenders treat everyone the same and your score will always recover. That being said this is why most people say to leave at least 90 days and sometimes 6 months between cards. I personally won't be opening more than 2 a year.
@@akbarnaqvi4737 yea I have always had an 800+ and although it only drops a few pts after every card app, it shows up as hard inquiries which stay on for 2yrs. Just so tempting lol
The method most TH-cam videos pointed to isn’t really working for fixing your credit and getting rid of bad items off reports or increasing credit limit & line of credit.. *Future imperative corps* is the solution to all bad credit score, negative & derogatory items on reports or increasing credit limits👌
Can you go into more detail about the closing date dose that mean I can use 90% of my card limit then pay 80% before the closing date and it will report 10% utilization and then pay that balance before the due date ?
th-cam.com/video/3qJEviF7mRY/w-d-xo.htmlsi=pgc-nxo1F060lbAg
Closing date is the last day of your billing cycle. Due date is the last day your credit card payment is due. Your statement close date is when you want to be paying your balance IN FULL because that’s generally when the bureaus report your total debt. You don’t want to leave ANY amount on it. Pay off your balances IN FULL EVERY MONTH otherwise you will accrue debt and pay interest. A credit card utilization below 30% is good a credit card utilization below 10% is amazing and 0% is the best you can do and should be what you are aiming for.
John, thanks for putting out your videos with lots of useful information. Only disagree about always using primary auto rental insurance that comes with the credit card. If you have a short rental of a couple of days it may not be worthwhile because you may be in for a real hassle if you have an accident. The time and inconvenience spent filing paperwork wasn’t worth the small savings I got using my credit card insurance.
The method most TH-cam videos pointed to isn’t really working for fixing your credit and getting rid of bad items off reports or increasing credit limit & line of credit.. *Future imperative corps* is the solution to all bad credit score, negative & derogatory items on reports or increasing credit limits👌
Their abilities to swiftly resolve issues with credit distinguish them from others. You’re the best *future imperative corps* keep up the good work and thanks for fixing people’s credit.
Their name is spelt as *Future imperative corps* … They’re specialized with finance, credit scores, credit cards and limits, tradelines, line of credit etc😊..
I’m glad to get the privilege to get to know about their name and looked it up online.
*All you just need to do is just to look their name up online to see their website*
How do you manage fees for 60 cards? Also how does opening up numerous cards hurt your credit? How about closing them?
How dare you call me out in the first 90 seconds of the video, John!?!
Hey just got a new card purposely because I’m spending a lot now kitchen remodel… it’s 0apy for a year so I was planning to run it pretty maxed during that time frame but hestant slightly because that utilization score will be horrible for that card but my overall total credit would only be 30%
The method most TH-cam videos pointed to isn’t really working for fixing your credit and getting rid of bad items off reports or increasing credit limit & line of credit.. *Future imperative corps* is the solution to all bad credit score, negative & derogatory items on reports or increasing credit limits👌
Their abilities to swiftly resolve issues with credit distinguish them from others. You’re the best *future imperative corps* keep up the good work and thanks for fixing people’s credit.
I’m glad to get the privilege to get to know about their name and looked it up online.
heya, I learned so much from crossing your channel for a while. What would be your recommendation for a credit card for someone who is a full time student and who works part time? I need to get one and I am scared to get my first credit card.
The method most TH-cam videos pointed to isn’t really working for fixing your credit and getting rid of bad items off reports or increasing credit limit & line of credit.. *Future imperative corps* is the solution to all bad credit score, negative & derogatory items on reports or increasing credit limits👌
Their abilities to swiftly resolve issues with credit distinguish them from others. You’re the best *future imperative corps* keep up the good work and thanks for fixing people’s credit.
Their name is spelt as *Future imperative corps* … They’re specialized with finance and credit😊..
I’m glad to get the privilege to get to know about their name and looked it up online.
*All you just need to do is just to look their name up online to see their website*
Kinda sucks that the credit freeze is not available in Canada (other than Quebec which I don't live in). Any other suggestions to protect credit?
To earn multiple sign on bonuses do you have to close the original card? For instance I have a Chase Freedom Unlimited and was trying to get the 2x bonus sign on you talked about a little while back but didn’t want to close my old account because that is my oldest credit line.
For the Chase example you can do a product change. Then apply again so you don’t have to close out the account. Hope that helps!
Unfortunately the 2x is gone for the Freedom Unlimited the new offer is for 1.5x additional for up to $20k in spend on year 1
What is the point of having over 60+ credit cards when the promotional/beneficial period is over??
There isnt. As long as you keep your oldest card open, you can close or downgrade cards that are no longer useful to you. That is the whole part of the credit card game.
The method most TH-cam videos pointed to isn’t really working for fixing your credit and getting rid of bad items off reports or increasing credit limit & line of credit.. *Future imperative corps* is the solution to all bad credit score, negative & derogatory items on reports or increasing credit limits👌
Their abilities to swiftly resolve issues with credit distinguish them from others. You’re the best *future imperative corps* keep up the good work and thanks for fixing people’s credit.
Their name is spelt as *Future imperative corps* … They’re specialized with finance, credit scores, credit cards and limits, tradelines, line of credit etc😊..
I’m glad to get the privilege to get to know about their name and looked it up online.
Pay before the statement date
How easy is it to get capital one to waive the annual fee for Venture X by saying you're thinking about closing your card?
The car dealership example you gave isn't exactly correct. If you do multiple hard pulls within a month, they all get considered as a single hard pull, not the 5 separate pulls you implied
Regarding credit utilization, do you think they look at debt to credit per card? Total across cards? Or average across cards? I know 50% utilization is bad but I'll use this percentage as an example: You have 2 $100 cards. You can max one card and 0 out the other. If they look at the average then it's 50%. If they look at total across cards it's also 50%. But if they consider per card utilization, one is gonna be at 100%, which is obviously very bad.
it’s total through all credit cards you own
The method most TH-cam videos pointed to isn’t really working for fixing your credit and getting rid of bad items off reports or increasing credit limit & line of credit.. *Future imperative corps* is the solution to all bad credit score, negative & derogatory items on reports or increasing credit limits👌
Their abilities to swiftly resolve issues with credit distinguish them from others. You’re the best *future imperative corps* keep up the good work and thanks for fixing people’s credit.
Their name is spelt as *Future imperative corps* … They’re specialized with finance, credit scores, credit cards and limits, tradelines, line of credit etc😊..
I’m glad to get the privilege to get to know about their name and looked it up online.
Can you take advantage of points or transfer them as an authorized signer ?
The method most TH-cam videos pointed to isn’t really working for fixing your credit and getting rid of bad items off reports or increasing credit limit & line of credit.. *Future imperative corps* is the solution to all bad credit score, negative & derogatory items on reports or increasing credit limits👌
Their abilities to swiftly resolve issues with credit distinguish them from others. You’re the best *future imperative corps* keep up the good work and thanks for fixing people’s credit.
Their name is spelt as *Future imperative corps* … They’re specialized with finance, credit scores, credit cards and limits, tradelines, line of credit etc😊..
I’m glad to get the privilege to get to know about their name and looked it up online.
*All you just need to do is just to look their name up online to see their website*
Hey John, let's say I have 20 percent utilization before the closing date. would I still be under 30 percent utilization if i spend another 20 percent after the closing date?
The method most TH-cam videos pointed to isn’t really working for fixing your credit and getting rid of bad items off reports or increasing credit limit & line of credit.. *Future imperative corps* is the solution to all bad credit score, negative & derogatory items on reports or increasing credit limits👌
Their abilities to swiftly resolve issues with credit distinguish them from others. You’re the best *future imperative corps* keep up the good work and thanks for fixing people’s credit.
I’m glad to get the privilege to get to know about their name and looked it up online.
I would put as first pay your credit card off
Then start the list
With car loans any hard pulls for auto loans within a 2 week period are grouped into 1 hard pull
The method most TH-cam videos pointed to isn’t really working for fixing your credit and getting rid of bad items off reports or increasing credit limit & line of credit.. *Future imperative corps* is the solution to all bad credit score, negative & derogatory items on reports or increasing credit limits👌
Their abilities to swiftly resolve issues with credit distinguish them from others. You’re the best *future imperative corps* keep up the good work and thanks for fixing people’s credit.
Their name is spelt as *Future imperative corps* … They’re specialized with finance, credit scores, credit cards and limits, tradelines, line of credit etc😊..
I’m glad to get the privilege to get to know about their name and looked it up online.
*All you just need to do is just to look their name up online to see their website*
This may be a dumb question... does credit score still increase if it was "frozen" ??
yes. you just can’t open new cards, and sometimes can’t do preapprovals
Yes your score can still go up. And as for pre-approvals those are soft pulls so that should be ok in most instances
Question…say you have a credit limit of 4k and you’ve used 2k
(50%) or even more, but pay it off the entire balance within 2 days. Way before the closing date is this acceptable? If someone could let me know I’d appreciate it
it depends, was it before the statement date? i think it’s still gonna not be a good as if you only used 5-10% but if you do it before your statements date it will help not dink your score as much
3:15 explain it’s better
If you pay it off the 2k within days, you’re good. The credit limit jumps back to 4k
This ❤
What does it mean to “use” credit. Is it considered used if you pay it off?
The method most TH-cam videos pointed to isn’t really working for fixing your credit and getting rid of bad items off reports or increasing credit limit & line of credit.. *Future imperative corps* is the solution to all bad credit score, negative & derogatory items on reports or increasing credit limits👌
Their abilities to swiftly resolve issues with credit distinguish them from others. You’re the best *future imperative corps* keep up the good work and thanks for fixing people’s credit.
Their name is spelt as *Future imperative corps* … They’re specialized with finance and credit😊..
I’m glad to get the privilege to get to know about their name and looked it up online.
*All you just need to do is just to look their name up online to see their website*
Great information! I have 2 cards and I'm ready for 2 more. I pay rent and the BILT card is on list. AMEX Gold/Delta Gold and Cap One Venture X are on my list. Does anyone have idea of which to apply first? How long should I wait to apply for the 2nd card? FiCO 8 is 750.
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Their abilities to swiftly resolve issues with credit distinguish them from others. You’re the best *future imperative corps* keep up the good work and thanks for fixing people’s credit.
Their name is spelt as *Future imperative corps* … They’re specialized with finance and credit😊..
I’m glad to get the privilege to get to know about their name and looked it up online.
*All you just need to do is just to look their name up online to see their website*
How to freeze report to avoild multiple pulls hard check for something??
Can’t. If you are applying for something you need to have your credit unfrozen to begin with. You can’t freeze a few of them so you only get one hard pull.
The method most TH-cam videos pointed to isn’t really working for fixing your credit and getting rid of bad items off reports or increasing credit limit & line of credit.. *Future imperative corps* is the solution to all bad credit score, negative & derogatory items on reports or increasing credit limits👌
Their abilities to swiftly resolve issues with credit distinguish them from others. You’re the best *future imperative corps* keep up the good work and thanks for fixing people’s credit.
Their name is spelt as *Future imperative corps* … They’re specialized with finance, credit scores, credit cards and limits, tradelines, line of credit etc😊..
I’m glad to get the privilege to get to know about their name and looked it up online.
Question, does it matter if the payment went through before the closing date? Example: if my closing date is 5th, and I pay 99% of my credit usage on the 3rd or 4th, sometimes that payment will be made but it's not yet posted in the account. Should I pay just a week before the closing date ?
Thanks
The method most TH-cam videos pointed to isn’t really working for fixing your credit and getting rid of bad items off reports or increasing credit limit & line of credit.. *Future imperative corps* is the solution to all bad credit score, negative & derogatory items on reports or increasing credit limits👌
Their abilities to swiftly resolve issues with credit distinguish them from others. You’re the best *future imperative corps* keep up the good work and thanks for fixing people’s credit.
Their name is spelt as *Future imperative corps* … They’re specialized with finance and credit😊..
I’m glad to get the privilege to get to know about their name and looked it up online.
*All you just need to do is just to look their name up online to see their website*
You say don't pay it on the due date but the example u gave was paying on the due date before the statement date. I'm confused
The method most TH-cam videos pointed to isn’t really working for fixing your credit and getting rid of bad items off reports or increasing credit limit & line of credit.. *Future imperative corps* is the solution to all bad credit score, negative & derogatory items on reports or increasing credit limits👌
Their abilities to swiftly resolve issues with credit distinguish them from others. You’re the best *future imperative corps* keep up the good work and thanks for fixing people’s credit.
Their name is spelt as *Future imperative corps* … They’re specialized with finance, credit scores, credit cards and limits, tradelines, line of credit etc😊..
I’m glad to get the privilege to get to know about their name and looked it up online.
*All you just need to do is just to look their name up online to see their website*
hi, can you please tell me about the cards that i can apply for in italy? i can only apply for amex here and it isn’t even accepted everywhere here so can you please let me know of the cards that i can apply for without being an American citizen
The method this video pointed to isn’t really working for fixing your credit and getting rid of negative items off your reports.. *Future imperative corps* is the solution to all bad credit score, negative & derogatory items on reports 👌
Their abilities to swiftly resolve issues with credit distinguish them from others. You’re the best *future imperative corps* keep up the good work and thanks for fixing people’s credit.
Their name is spelt as *Future imperative corps* … They’re specialized with finance and credit😊..
I’m glad to get the privilege to get to know about their name and looked it up online.
*All you just need to do is just to look their name up online to see their website*
Aren’t flights much more expensive in the portals by credit card banks than eg on Google Flights? And is getting flights for points always cheaper then taking the money cash back from a transaction + earning another cash back on then buying the flight?
The method most TH-cam videos pointed to isn’t really working for fixing your credit and getting rid of bad items off reports or increasing credit limit & line of credit.. *Future imperative corps* is the solution to all bad credit score, negative & derogatory items on reports or increasing credit limits👌
Their abilities to swiftly resolve issues with credit distinguish them from others. You’re the best *future imperative corps* keep up the good work and thanks for fixing people’s credit.
Their name is spelt as *Future imperative corps* … They’re specialized with finance, credit scores, credit cards and limits, tradelines, line of credit etc😊..
I’m glad to get the privilege to get to know about their name and looked it up online.
*All you just need to do is just to look their name up online to see their website*
I have a 500$ credit. Would paying the lowest 25$ a month increase my credit score? I’m the interest goes way up but I need your help!!! Everyone telling me it would build credit but idk. It’s my first credit card
How many credit cards is too much?
Whenever you can not mange them all.
Hey im 18 and have a discover/amex card with a $2000 limit and a quicksilver one card with a $300 limit.. how do i work on getting my limits up?
You use it and then pay off every month. After a few months they will raise it. Also discover let you apply for a credit line on their app without a hard inquiry. Make sure to apply after at least 6 months with them. You can also call them and explain you need to make a big purchase for your home and need a little bit more and they might consider it. Just make sure you don’t get a hard inquiry when you call. Amex, I am not sure. I have a charge card. 😊
The method most TH-cam videos pointed to isn’t really working for fixing your credit and getting rid of bad items off reports or increasing credit limit & line of credit.. *Future imperative corps* is the solution to all bad credit score, negative & derogatory items on reports or increasing credit limits👌
Their abilities to swiftly resolve issues with credit distinguish them from others. You’re the best *future imperative corps* keep up the good work and thanks for fixing people’s credit.
I’m glad to get the privilege to get to know about their name and looked it up online.
Does freezing your credit limit the opportunity for increases?
The method this video pointed to isn’t really working for fixing your credit and getting rid of negative items off your reports.. *Future imperative corps* is the solution to all bad credit score, negative & derogatory items on reports 👌
Their abilities to swiftly resolve issues with credit distinguish them from others. You’re the best *future imperative corps* keep up the good work and thanks for fixing people’s credit.
Their name is spelt as *Future imperative corps* … They’re specialized with finance and credit😊..
I’m glad to get the privilege to get to know about their name and looked it up online.
*All you just need to do is just to look their name up online to see their website*
can i pay my fee using credit card card? Please make video for college students to pay fee
The method most TH-cam videos pointed to isn’t really working for fixing your credit and getting rid of bad items off reports or increasing credit limit & line of credit.. *Future imperative corps* is the solution to all bad credit score, negative & derogatory items on reports or increasing credit limits👌
Their abilities to swiftly resolve issues with credit distinguish them from others. You’re the best *future imperative corps* keep up the good work and thanks for fixing people’s credit.
Their name is spelt as *Future imperative corps* … They’re specialized with finance and credit😊..
I’m glad to get the privilege to get to know about their name and looked it up online.
*All you just need to do is just to look their name up online to see their website*
Primark gonna come in so clutch, thanks
Along the lines of finance tips and this channel I have a question:
I’m getting Married in a month I’m 24 and have a good paying engineering job and my soon to be wife works.
We have no debt and with the budget that I’ve laid out me and my wife will be able to save 52000$ a year we both have a 3% 401k match and contribute 3% for the match
I also want to contribute around 10k of the 52k a year to an IRA or a Roth IRA between the both of us but both of our parents and her think it’s a bad idea because in 2008 when the stock market crashed both of our parents had money invested in local companies and banks and lost everything so now they say I should just keep all the money in a savings account and not invest any extra from the 6% total 401k into retirement
I’ve been watching your videos and other investments channels that are telling me the opposite so what should I do?
Also just got the Amex gold card because of this channel and they told me that was dumb too lol
Anyone can comment I’m just looking for advice
The method most TH-cam videos pointed to isn’t really working for fixing your credit and getting rid of bad items off reports or increasing credit limit & line of credit.. *Future imperative corps* is the solution to all bad credit score, negative & derogatory items on reports or increasing credit limits👌
Their abilities to swiftly resolve issues with credit distinguish them from others. You’re the best *future imperative corps* keep up the good work and thanks for fixing people’s credit.
Their name is spelt as *Future imperative corps* … They’re specialized with finance, credit scores, credit cards and limits, tradelines, line of credit etc😊..
I’m glad to get the privilege to get to know about their name and looked it up online.
*All you just need to do is just to look their name up online to see their website*
or there corporation is paying for them to sit in first class
P a y down credit..wow
Mistake 1: having a credit card in the first place
Mistake 2: falling for limit increase as a prompt to occur more debt
Mistake 3: spending to chase after points when it would be so much more efficient to put the funds in an interest bearing account.
The method most TH-cam videos pointed to isn’t really working for fixing your credit and getting rid of bad items off reports or increasing credit limit & line of credit.. *Future imperative corps* is the solution to all bad credit score, negative & derogatory items on reports or increasing credit limits👌
Their abilities to swiftly resolve issues with credit distinguish them from others. You’re the best *future imperative corps* keep up the good work and thanks for fixing people’s credit.
Their name is spelt as *Future imperative corps* … They’re specialized with finance, credit scores, credit cards and limits, tradelines, line of credit etc😊..
I’m glad to get the privilege to get to know about their name and looked it up online.
*All you just need to do is just to look their name up online to see their website*
Isn’t it best to have 1-2% credit utilization on due date?
The only thing reported for your payment due date is that you made your payment on time. Utilization does not matter for your payment due date it only matters for your statement closing date
@@-legend8320 never heard of payment due date. Is it way after the statement closing date?
eat it
How do I freeze my credit profile can someone please explain????
He explained how in the video.
The method most TH-cam videos pointed to isn’t really working for fixing your credit and getting rid of bad items off reports or increasing credit limit & line of credit.. *Future imperative corps* is the solution to all bad credit score, negative & derogatory items on reports or increasing credit limits👌
Their abilities to swiftly resolve issues with credit distinguish them from others. You’re the best *future imperative corps* keep up the good work and thanks for fixing people’s credit.
Their name is spelt as *Future imperative corps* … They’re specialized with finance, credit scores, credit cards and limits, tradelines, line of credit etc😊..
I’m glad to get the privilege to get to know about their name and looked it up online.
But that's a one time payment, you don't get that $400 from Capital One for subsequent years 😂 the chase sapphire preferred seems like a better option.
Yes you do, both the credit and the anniversary bonus are annual. In the first year you actually get $655 back in your pocket because of the signup bonus.
You get them in subsequent years
U get $395 every year. But it has to be used on cap 1 portal. Which usually has inflated prices. But sometimes a good find.
You may not have a choice @johnliang
#9. Focusing on rewards.