Card Tiers Explained (Starter to Premium Cards)
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@AskSebby 6 жыл бұрын
Inspired by Credit Shifu's "Credit Card Ladder" Check it out here: kzfaq.info/get/bejne/kLljlpyKxN_Nn58.html
@BeyondBorders00 5 жыл бұрын
Credit Shifu and Ask Sebby are to the KZfaq credit card game what Chase and Amex are to the points and miles game. These guys are the powerhouses! Thanks so much for the great content.
@pighut 6 жыл бұрын
Hey just wanted to take a moment to tell you how much I love your videos. They’re super educational, accurate, non-bias, entertaining and I appreciate you taking the time to make these extremely quality videos. For me I have a chase sapphire reserve and I was extremely nervous the moment i signed up for it, the $450 annual fee fear started to creep in however within 3-4 months of use I’ve already made more than $650 in value. This thing is a points monster and then in addition if I factor to travel credit, TSA credit, priority pass (i travel for work) its an amazing card. I also think you’ve sold me on getting my wife to get the chase Hyatt card. She needs a credit card to help build her credit. Thanks again - consider me subscribed
@TimCurry04 6 жыл бұрын
By far your best tier breakdown Sebby. This video is at least 10 of your videos in one... Great job man! Bravo 👏
@nerdmoment 6 жыл бұрын
Love the Starter Cards! I only just started my credit card journey and I'm glad I started with the best cards, thanks to your videos!
@johnencarnacion7112 5 жыл бұрын
I got $160 cash back off my chase unlimited my credit has increased to a 753! Thanks lots
@comel09 5 жыл бұрын
Thank you for speaking at this pace Sebastian ! You are awesome!
@micco6020 6 жыл бұрын
Great video. You have given us all this info becore across many videos, it is nice to have a concise summary.
@landocalrisian2014 5 жыл бұрын
You are always so helpful Sebby. Thanks for the great information.
@3842l4 6 жыл бұрын
Been waiting for a video like this from you!
@JosePerez... 6 жыл бұрын
Thanks Sebby, I find Value in all your videos , Ben’ s Chanel is great too I will continue to watch both 🙏🏽 José P.
@tannermortimer683 6 жыл бұрын
I love your videos thank you so much for making them. Do you have a video that explains how to redeem your points to maximize them for flights?
@ericb.3002 6 жыл бұрын
I think the tiers are accurate. For myself, the top tier cards make no sense to me because I do not travel enough to really warrant having those cards. I just like the cash back cards.
@haytnas 5 жыл бұрын
Seann T Hawj gtfo you peasant.
@crxracer805 5 жыл бұрын
Maybe you should...travel more? It's fun.
@whydef269 4 жыл бұрын
@@crxracer805 not everyone can ...tho... so maybe they arent able to whether it be being too busy or financial. No offense to the original poster for saying that btw.lol
@crxracer805 4 жыл бұрын
@@whydef269 Yeah you're right. I don't travel that often either, I have the finances but it's not that easy to get the time off from work.
@garudagerwalk 4 жыл бұрын
I'm the same, the company I work for pays for everything when I got out of town.
@karennancy9333 6 жыл бұрын
The shelf behind you totally changed!
@waz1167 4 жыл бұрын
Thanks for the great video. You always give us tremendous value!
@Catelyn7744 4 жыл бұрын
This was a great video . I learnt a lot about credit cards . Thanks for sharing 💕
@lavayuki 6 жыл бұрын
I my first too cards were Foundation cards, one was a Freedom card and the other was one from my bank with cash back. I just have 2 credit cards, but I don't think I'd want to cross any more 3 or 4 cards, remembering all the pins is pain as well
@ScottyByrd 4 жыл бұрын
Capital one quiksilver is one of the best starter cards you can get !
@jdeveraux1027 5 жыл бұрын
When Sebby throws shade (<a href="#" class="seekto" data-time="211">3:31</a>) and you are here for it!
@firestorm3982 6 жыл бұрын
Finally...!!! A credit tier video from the man, the legend..!!!👊
@gogather6260 6 жыл бұрын
I used my Amex Platinum card to get 2 presale Coachella tickets that sold out in minutes...that alone paid for the annual fee
@crxracer805 5 жыл бұрын
How did it pay the annual fee?
@Terrencify 5 жыл бұрын
@@crxracer805 he meant getting the tickets were way worth it so it offsets the annual fee.
@Terrencify 5 жыл бұрын
so basically he got 2 tickets that were sold out which means those tickets were $429 a pop
@crxracer805 5 жыл бұрын
@@Terrencify So in other words he went and spent almost $1,000. Is that really saving?
@Terrencify 5 жыл бұрын
@@crxracer805 Well he is spending with that cc company. And the concerige is a huge benefit which is why he was able to get it by having that platinum. They are able to go beyond means to get their customer anything they need. It's like getting that 1 thing you wanted but you couldn't get it because it's always sold out and/or limited. Pretty much skipping a huge line and some people won't be able to experience what he did at that time and moment.. TL:DR- The concerige going above and beyond to get him tickets and that offset the annual fee(in his eyes). Since you most likely won't be able to get tickets unless you camp or pre order ahead.
@primalpem 5 жыл бұрын
Hi what tier would an usaa american express card be considered?
@frankiewoods7035 6 жыл бұрын
Great vid and easy to understand
@OrieMcIntosh 6 жыл бұрын
The tiers are on point.
@craigslistrro709 6 жыл бұрын
paid off all my cards a couple of years ago, and my credit karma says I still have a credit score of 815 and 810....Im good with that...and life is so much easier!
@bonniemunday4711 5 жыл бұрын
fantastic
@truthseeker8752 5 жыл бұрын
Positive credit history even if an account is closed (ex: credit card) will stay on your credit history for 10 years
@thorish5033 5 жыл бұрын
@@truthseeker8752 might see a drop after 10 years 😪
@thelastsith9187 6 жыл бұрын
Awesome video !
@dingmingzou9866 6 жыл бұрын
Will you possibly get a chance to review the Centurion lounge in SEA (Seattle-Tacoma)? I'm moving to Seattle at the end of this year and I've noticed they have a Centurion lounge over there, which I might get a lot of value from by keeping the Platinum card, but nobody have ever done any review to this specific one so far, I think.
@oloblish 6 жыл бұрын
Dingming Zou Sea Centurion lounge is nice, but one of the smallest of all the Centurion lounges and no hot food there. Although, with platinum card you can get into the new Delta lounge if you flying Delta. It is one of the best Delta lounges I have steped foot in.
@dingmingzou9866 6 жыл бұрын
Thank you! but no hot food is quite a shame, unfortunately I'm not flying delta for my upcoming trip to Japan (I used to fly Delta 80% of the time until their domestic first class meal service pissed me off last time..) thank you for the info!
@shirwynscope4276 6 жыл бұрын
Credit One is the Devil
@carlosherrera9076 5 жыл бұрын
How come? I have one I use for business (not a business card) but I pay it off as soon as the balance posts.
@geo745don 5 жыл бұрын
Why
@carlosherrera9076 5 жыл бұрын
Funny enough they made me mail in proof of identity after 5 purchases, what a hassle just to have their card. Made me so upset I was thinking of canceling it but I had already paid off the yearly payment.
@geo745don 5 жыл бұрын
carlos herrera I never had problem with them yet. First card after BK, pay my bill to then with Chase Bill pay takes one day. They even up my limit $300 within a year.
@crxracer805 5 жыл бұрын
@@carlosherrera9076 That's a horrible credit card to have. They are fee harvesters.
@Tazangamoz 6 жыл бұрын
Great Tier Video Sebby.. :)
@carlosescobar2170 5 жыл бұрын
My wife and I love to Cruise and we have a BoA Royal Caribbean branded card and in less than a year got a free cruise. Are there any negatives to this card are there other cards that are more beneficial?
@carlosherrera9076 5 жыл бұрын
Can you 'stack' nights/flights over years? I don't travel much, and one of my businesses is drop shipping, where my spend is 2,000 a day on average.
@AskSebby 5 жыл бұрын
Certificate nights = no Points for flights/hotels = yes
@shekinahandkeziah5960 4 жыл бұрын
Hi shir thank u for ur videos learned a lot Btw new credit card holder here
@mike_abramyan 6 жыл бұрын
Fun fact, I thought I'd be fine to downgrade my Delta gold amex but it turns out they only refund 11 months of the AF if you do it AFTER the fee posts. Just fyi. It's only like $8 but it's still more than 0 so worth noting.
@jonesbunny 6 жыл бұрын
Great advice!!!
@MacZaddyK 5 жыл бұрын
Hey Sebby, I’m a college student and I’ve watched a lot of your videos . I started building credit on a Amex Delta Gold Card that my mom signed me up for, My credit score is over 700( in the 760’s) and I’ve had the card for 2 years. But I wanna expand my base should I go back down to the starter like Chase Freedom or Discover It to build up my base the right way ?!
@drunkalfuzzyness 5 жыл бұрын
This really helps for me, thanks. I am considering getting my first credit card. Really helps having it all thoroughly explained ✌️
@wirecoaching477 6 жыл бұрын
Great video!
@ghostinthesystem3872 6 жыл бұрын
amazon store and amazon credit card is lovely
@Raptorsquad-e4d 3 жыл бұрын
I was confused until you talked about Pokémon... lol 😂 thank you my fellow Pokémon trainer
@malcolmroach2397 5 жыл бұрын
Hey Sebby, I got a question. I started with a secure card last year built my credit score to 750. This year I applied and got the Amex Platinum. I use it for all my spending and pay it off right away. I realize the Amex gold would be better for my everyday spending and groceries and the platinum is better for my travel needs. Since I have the platinum, am I kinda “pre approved” for the Amex gold?
@NobleCredit 5 жыл бұрын
No you're not preapproved for the gold, but it's easy to get. Its probably recommended in your credit karma.
@jmiahdaman5784 4 жыл бұрын
You had me till Pokemon bro, I mean.... C'mon man 😂
@stonecoldsigma 6 жыл бұрын
Finally!!!!! ☺👊
@bizopinsider6643 3 жыл бұрын
When should you look to get your first tier 2 card?
@gregpell4688 6 жыл бұрын
Are there any consequences for changing billing dates on all my cards? I just want it to be easier to maintain all.
@AskSebby 6 жыл бұрын
Potentially an interest charge if you keep a balance on your cards.
@Dannyjeon1 3 жыл бұрын
I have allot of cards but don’t want to close them because it would hurt my credit. Do you recommend closing one every 6 months fico is 738
@MCASSFX 5 жыл бұрын
can you have a cosigner to get a zero percent intro balance transfer card
@alant5757 5 жыл бұрын
I actually laughed when you said.... " some people get angry...." Wow.... some people need to relax a little. Just found your channel and enjoying the videos. Good information!!
@bobargenis 5 жыл бұрын
I have a question regarding a "product change"; I understand the impact on closing a card therefore considering to change a card. My question is as follows; what happens when it's a product change; from MasterCard to Visa; the numbers will change and how does that impact your credit score? For example; I have a Capital One Platinum and QuickSilver one; both Mastercard. I'm sure I qualify for a Venture One Card (Visa)... Whats happens; wont it be reflected as a "brand new account"? Therefore historically impacting your credit accounts?
@AskSebby 5 жыл бұрын
No impact to score since it's reported by bank not MC/Visa.
@Official_Triple_D 5 жыл бұрын
Question: If for the sign up bonuses you may not be able to hit the minimum spend, is it fine to get help from say a close relative by allowing them to spend on the card that which they would immediately pay off with the money they would have spent normally to help?
@leeklinglesmith3427 5 жыл бұрын
Yes but I would get the money from the relative at the same time as them spending on the card. you don't want family owing you money.
@SiriEmerald 2 жыл бұрын
I'm sure you covered this in a different video..... When do i cancel a card? I am in that boat where my credit says I don't have old enough credit (My oldest card is 2014), but I also now have tier 1 cards and a nice high 700/low 800 score. Also, when I cancel these other cards, how do I get the credit card companies of the ones I keep to raise my limits? Thank you
@jeam1086 5 жыл бұрын
I had a question so lets say i decided to take 2 credit cards to avoid annual fees can i combined them and put them into a bank credit card? I have 2 first premieres
@NobleCredit 5 жыл бұрын
This question is incoherent. You'll have to phrase it better.
@seanstowers1190 6 жыл бұрын
Suggestion can you review investment cards like the 2% fidelity visa pls?
@mattlee87 5 жыл бұрын
I hardly travel, but I don't pay the annual amex plat fee so it's worth it when I do fly.
@jannyLOML 6 жыл бұрын
I would have preferred a diss track. Lol. Just kidding.
@Tmartinez114 5 жыл бұрын
should i upgrade my Captial One Platinum (Tier 1 card) to Quicksilver or just apply for Quicksilver to then have 2 cards (which will make my 1 missed payment equation better in my favor)?
@NobleCredit 5 жыл бұрын
Absolutely product change to the Quiksilver! I hope this comment wasn't too late. Reason being you don't want to waste credit card slots if you don't have to. Now you can waste a hard pull on a card that you'll benefit more from.
@ScottyByrd 4 жыл бұрын
Personally I’d get both
@Anthonyjones-pq4ff 2 жыл бұрын
Sebby if you do a full list from start to top cards now you did secure card I Pass that with a 737 what should I be looking to apply I just did invited with penfed $10k . Looking to do second Amex no annual what you think
@ZeusanOdin 5 жыл бұрын
i have 2 capital one accounts if i merge both accounts together will a closed account be shown on my credit score?
@thorish5033 5 жыл бұрын
Yes. You will have to close one account to merge the credit limit with the other. I did this with 2 capital one quicksilver cards. It dropped my score a small amount but bounced back quick.
@bostonbitch 5 жыл бұрын
Do points/mile expire at the end of a year on most cards? I just got a Cap 1 venture card and I can't find that answer anywhere.
@crxracer805 5 жыл бұрын
They don't for Chase as long as you keep your account open. As for Capital One, I have no idea.
@crxracer805 5 жыл бұрын
Actually, Capital One points/miles don't expire either as long as you keep your account open. I just looked it up.
@bostonbitch 5 жыл бұрын
@@crxracer805 Awesome thank you so much!
@Rob-bh9gt 6 жыл бұрын
i love your github commit grid mug.. what is your gh username?
@edufvp234ify 6 жыл бұрын
Hello asksebby, I had a question concerning the Hyatt card... does that go towards your 5/24 rule? Also can it be expedited shipping?
@AskSebby 6 жыл бұрын
All personal cards count towards 5/24. Call in to see if they can expedite shipping.
@marcusjones9720 6 жыл бұрын
I got approved for the freedom yesterday so will it be ok if I apply for the chase freedom unlimited today.?
@crxracer805 5 жыл бұрын
Nope, you clearly don't know how credit works.
@FootballbyAbz 6 жыл бұрын
Would it ever make sense to have to Amex Platinum and the Chase Reserve?
@renegonza4327 5 жыл бұрын
ķ l
@ffuentes900 5 жыл бұрын
Yes, if you can get the sign up bonus for both cards. After year one, you need to look at spending to see if you still get value based on what you purchase.
@MarkUnique 5 жыл бұрын
I can't stop watching Sebby's videos 😋
@dannosaurusrex1 6 жыл бұрын
Is it possible to get a Marriot Rewards Card to start if I've never had a card with chase? CS-670
@AskSebby 6 жыл бұрын
Likely depends on income/age of history. I'd probably grab the CF/CFU first but YMMV obviously depending on slots available: www.asksebby.com/credit-card-offers/
@marksr8784 4 жыл бұрын
Great video
@MrInDePeNdAnT2010 4 жыл бұрын
Do you have a video for the best or ideal “starter” cards?
@AskSebby 4 жыл бұрын
Yes, here it is: kzfaq.info/get/bejne/ptmcarFjx8zLdYU.html
@kevinross3535 6 жыл бұрын
Great vid
@vincentchase1234 5 жыл бұрын
So for prepaying cards I need to put the money on the credit card ahead of making purchase ? Or do you mean pay the card off before the statement is due
@NobleCredit 5 жыл бұрын
Pay before the statement is due.
@ryankorn4691 6 жыл бұрын
I have a question. If anybody can direct me to a video where he talks about this it would be greatly appreciated. If I want to take the “more aggressive” path and have 20 or so cards in the future, he recommends getting around 10 starter cards now. How do i go about getting these starter cards without getting a bunch of hard inquiries and therefore lowering my score? Thanks
@AskSebby 6 жыл бұрын
It's a 2 steps back, 3 steps forwards approach. To add cards, you'll be getting inquiries. Inquiries stop affecting your score after 1 year and drop off your credit report completely after 2 years. Cards, on the other hand, stay with you "forever" unless you close them.
@ryankorn4691 6 жыл бұрын
Ask Sebby great, thank you!
@jackb99 6 жыл бұрын
Hey Sebastian, Would I have a good chance of getting approved for any of the following, the new Chase IHG Premier Card, or the Amex Hilton no AF, or the Delta Amex no AF? I have 6 months of credit history and a Discover with $3.5k and a Freedom with $600. My scores are Tu 710 Eq 709 Ex 696. My utilization is around 1 to 5 percent. I also pay in full if that helps.
@pimp0613 6 жыл бұрын
Jack Bahribek Do the free credit consultation on his website. He gets back to you in a couple days, is very concise, and will give you options for cc paths according to your qualifications and needs.
@jackb99 6 жыл бұрын
pimp0613 thank you!
@_KITE 6 жыл бұрын
I’d echo that. Consultation is good. Anecdotally, I got the old Amex Hilton Honors card when my score was in that range. I still think Chase Marriott, Hyatt, CSP/CSR is better
@bobby_23lfc 5 жыл бұрын
What do you mean by pre-pay to pay all of it in full or leave $1 for next month’s pay?
@AskSebby 5 жыл бұрын
kzfaq.info/get/bejne/mtJ5qsReu9Hegok.html
@thatxonexguy5438 3 жыл бұрын
How about going from a tier 5 to tier 1? Is it bad?
@Madrid1234apa 4 жыл бұрын
I got the chase freedom student card but now I can’t update it
@calvarado1215 6 жыл бұрын
what are the cards you keep long term?
@AskSebby 6 жыл бұрын
It's about positive expected value. YMMV.
@dwalker6868 5 жыл бұрын
Thank you
@penghaha751 5 жыл бұрын
I have a question. If I going to close an account, does that gonna affect my score?
@AskSebby 5 жыл бұрын
Canceling a card and it's impact: www.asksebby.com/blog/how-does-canceling-a-credit-card-affect-your-credit-score
@winterrose9811 4 жыл бұрын
Pay off all your cards down to a zero balance then cancel the card of your choice.
@keyodi 4 жыл бұрын
My first card was the capital one platinum card... I just got bumped to a 500 credit limit...
@MyOzempicJourney 4 жыл бұрын
I have the Chase sapphire preferred . If I downgrade, will I lose the age of my card on my credit score?
@gummybear41283 2 жыл бұрын
yes
@TamponMuncher69 5 жыл бұрын
When you say get 5-10 starter cards do you cancel these cards down the line when you get approved for better cards?
@crxracer805 5 жыл бұрын
I would probably stick with 2 starter cards to begin with before moving to premium cards. Can you imagine having to remember 5-10 different due dates? Keep it simple. I reached up to 797 with just 4 credit cards and 1 loan.
@bryangonzalez2896 5 жыл бұрын
What if I open 2 secured card will that increase my credit quicker
@crxracer805 5 жыл бұрын
Nope.
@GRINGOf10 6 жыл бұрын
I have amex platinum and amex gold and good credit (795) but got declined for Chase Sapphire Reserve.. why lol
@AskSebby 6 жыл бұрын
Probably 5/24: www.asksebby.com/blog/rules-to-know-for-chase-credit-card-applications If you want to talk strategy moving forward: www.asksebby.com/free-card-consultation/
@joemoreno1508 5 жыл бұрын
Rhe 5/24 rule
@austensmith6857 4 жыл бұрын
Disappointed
@nosesmoses993 5 жыл бұрын
I've applied for a home Trust Visa card, and I'm wondering if that's a good one to have? Now that I've found out it's for only online purchases, should I cancel it or should I use it for online purposes?
@NobleCredit 5 жыл бұрын
Okay so that is a bad card, you made a mistake. As for cancelling the card, it depends. Do you have other cards? Your utilization rate is the main thing affected when you cancel cards because your credit limit goes away. We should be able to do some damage control to get you in a better position.
@nosesmoses993 5 жыл бұрын
@@NobleCredit I have several opened yet they are closed accounts I believe through a consumer proposal but they still remain on my credit report. Outside of that I have a Capital One guaranteed MasterCard and I also applied for a refresh credit card which I've already gotten as well.
@Galexy9 6 жыл бұрын
Is a 1% utilization better than a 0% utilization?
@OutdoorAdventures7140 6 жыл бұрын
Alex Myers yes, 0% utilization might not show a payment for that month. It could hurt you in the future for future cards. So if 1% shows and you pay it at the statement it will have no interest and shows a payment for that month.
@epiksar 6 жыл бұрын
Alex Myers I think so. It's better to show you use a card rather than you don't. That's just my opinion, though, based on stuff I've read
@Damu7411 6 жыл бұрын
epiksar Not true, your credit card company will always report a payment as agreed, even if you pay before your balance is reported.
@stevenmiller7747 6 жыл бұрын
According to Experian a 0% credit utilization is better than a 1% although just marginally. There is this myth that if you use your credit cards but pay them off before your statement due date it makes it look like you don't use your credit cards. In many cases that's simply not true. First of all let's say you do this with AMEX, THEY know you are using your credit cards even if it doesn't show on your credit report, so you don't need to leave money on your account to show utilization. Also many cards show your usage even if you pay before your statement closing date and always have a 0% credit utilization. Chase is famous for this. I've always paid my Chase cards before the statement closing date and have always had a 0% utilization and yet my credit report shows me using my card. Long story short 0% is better than 1%, but probably won't change your score more than 1%. There's another channel out there called Beat The Bush and he clearly explains why 0% is better than 1%.
@hanfengwang6777 6 жыл бұрын
I tried to pay the balance in full before due date. On my credit report it show I did make payment but the credit card utilization is 0%. However I tried to leave a little balance unpaid. On my credit report it actually shows 2% credit utilization and my credit score increase around 20 points. So I guess the best strategy is pay the “full balance minus a few dollars.”
@IaDyne 5 жыл бұрын
Hi. I have been watching all of you videos lately and I’m trying to build both my personal and business credit. Currently 725 fico but i just paid down my 2 cards to under 30% utilization but it didn’t hit yet. I want Chase Freedom Unlimited and Chase Ink card. Can I apply for both in same day? My history decreased to 1.8 years because one bank closed a paid off account. Please help. Thanks!
@NobleCredit 5 жыл бұрын
I wouldn't apply on the same day. Space them out some. Apply for the business card first though.
@NewEnglandCoasterFan 6 жыл бұрын
If I’m an additional user on a Tier 2 Card, with no late payments, no defaults, etc., how does that affect my credit? I am under 18, if that matters.
@AskSebby 6 жыл бұрын
I would still get your own credit at some point as some issuers discount AU cards and some completely ignore them.
@brandx2321 5 жыл бұрын
It depends on the card. Google authorized user report's to credit bureau cards and you can see the ones that report, I know Discover is one of them.
@wendellgreenidge3362 6 жыл бұрын
I swear you have the best credit advise
@cameronmachado1774 6 жыл бұрын
would you consider an amazon prime card a tier 4 or tier 3?
@moorefamily4146 6 жыл бұрын
Crypto Cam I would say 3. It has an af (prime membership)and you get points from amazon and chase when you shop,buy gas, etc...
@cameronmachado1774 6 жыл бұрын
Justin Moore do they transfer to UR? Or cash back?
@epiksar 6 жыл бұрын
Crypto Cam i don't believe it transfers to ur, but it should transfer to cash back if you so choose
@michaelmclaughlin105 6 жыл бұрын
This is my primary use CC. I’d say it’s a tier 3 offering (due to the Amazon Prime fee), or a tier 2 if you dump Prime and actually make it not have an annual fee. Dumping Prime moves your 5% Amazon category down to 3%, but otherwise it’s the same. I’ve had Prime since it became available just for the shipping, so in my case this card makes sense because I shop at Amazon a lot and the extra 2% probably pays for my Prime membership every year (or close to it). 2% on fuel , pharmacies, and eats also means I don’t have much use for something like a Citi Double Cash card. If it was 2% on groceries too, it would almost be perfect as an “everyday use” card (I don’t live near a Whole Foods store to get 5%). It is cash rewards (statement credit, gift card, money off at checkout, etc.) but cash is king. I wouldn’t mind if they allowed points to transfer for travel but I guess one card isn’t going to do it all. I think this card is solid though...no complaints from me. I would have applied for it even without the gift card bonus...which is good, because $70 for a card that you have to pay $99 for each year is pretty lame. I would rather have had a free year of Prime!
@moorefamily4146 6 жыл бұрын
Crypto Cam you get point toward Amazon .Going to your Amazon account and go to shop with points or your Chase app and it will show you how much you have
@EduardoEsquivel.00 5 жыл бұрын
Lol I’m 18 and started with a discover it card about 2 months ago... now I’m on Amex gold card. 👍🏼
@austensmith6857 4 жыл бұрын
No platinum? Oof
@mikedodge2713 4 жыл бұрын
austen smith Lmao yeah this peasant. Joking lol
@chuy3412 4 жыл бұрын
I love the Pokemon reference : P
@Raeeban 2 жыл бұрын
What cards covers parking
@jaredhighlands4604 5 жыл бұрын
Am still in foundation card tier and it sucks
@danriverman70 6 жыл бұрын
Wife got a quick silver one with a 540 score. I did have her as an authorized user on my account. Did she get lucky and should she still try to get an secured discover it card?
@epiksar 6 жыл бұрын
Texastacticool she must've gotten lucky. She should wait until her credit score is at least 700. That score will guarantee that she get most cards. But above 600 is fine for a few easy ones
@_KITE 6 жыл бұрын
I would wait and rebuild it the score so I could stay under 5/24 and go for chase cards when the time is right
@iamOAKland 6 жыл бұрын
If she is trying to get her credit up faster then put at least $5k on a secured card. That’s prime credit range...when she graduates she will get her cash back and a higher limit.
@willsmith7458 3 жыл бұрын
Everyone tier is different depending on credit & income ratio.
@DBZHGWgamer 5 жыл бұрын
I think this would be a lot easier to understand if you broke it down by groups of people. Like people who use credit cards just for credit score and what level they should stop at vs people who want to get cash back vs people who travel a lot
@christopherxgray3743 5 жыл бұрын
Sebby what are the starter cards
@AskSebby 5 жыл бұрын
www.asksebby.com/blog/best-starter-credit-cards-2018
@scarroll625 6 жыл бұрын
What’s a Hamilton?
@diegodelamota1199 4 жыл бұрын
Hugh Jinvaney I believe it is a Broadway show, like the most popular one.
@user-zl1pj5ii1f 2 жыл бұрын
Can somebody explain the paying 399 and not the full 400 to the the 1% credit utilization? Why Carry 1 dollar over??
@AskSebby 2 жыл бұрын
Walked through it better here: kzfaq.info/get/bejne/g9KohsV1rMXFnH0.html&ab_channel=AskSebby
@ddaryoush16 6 жыл бұрын
Ooo is that a new 5D in the background?
@AskSebby 6 жыл бұрын
Nope, old 6D :(
@cyril_ogude 6 жыл бұрын
Hey I am looking to aggressively apply for credit cards (I have planned a 10 to 15 card base over 3 years) in the coming year (starting with Chase for 5/24) but I am worried chase might come out with another CSR type product that I will lock myself out of. So basically from your experience how often does Chase release Tier 2 ish cards?
@roberttaylor8906 6 жыл бұрын
I'd say you're overthinking it. Even if they do, you'll likely be over 5/24 anyway by the sound of it. But dont wait around for something like that there's not even any talk about something like that so you'll likely end up waiting forever to app for anything for no reason
@JamRTSilva 6 жыл бұрын
Not aggressive enough. I applied for 6 CCs from mid-November 2017 to end of March 2018 all approved with a $28,100 SL all together. 2 chase, 2 Amex, 1 WF card and 1 Discover it. (TU: 764 EX: 738 EQ: 753)
@epiksar 6 жыл бұрын
Cyril Ogude you should really be only applying for 4 cards per year max. One new card per 3 months. Unless you don't care about your credit score or don't mind risking a bank denying you for having too many inquiries. Advice aside, I agree with the first comment. Don't worry about what chase may or may not do. It's unlikely they'll release another good card. The ones they currently have are all really good.
@cyril_ogude 6 жыл бұрын
Yeah I plan on applying for 1 to 2 every 3 months so i can build my base over the 3 year span (4 to 5 a year for 3 years giving me 12) but I guess you are both right. I am most-likely over thinking things with Chase
@cyril_ogude 6 жыл бұрын
Which exact cards did you get from Amex and Chase if you don't mind me asking
@jgivandsxjwolfx6849 5 жыл бұрын
So what happens on the free night
@AskSebby 5 жыл бұрын
You use it to book a stay. Example: kzfaq.info/get/bejne/rK-IdZmErKq8eac.html
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