HUGE moves Stan! Love to see it. I may have to follow suit soon with this card... we'll see! Congrats on the approval man! 👊🏼🎉
@TheCreditFrog10 ай бұрын
Thanks Spencer!! Yes, you may have to get this card, especially if you start to rent! Definitely don't want to leave any points on the table!
@joshua.butler10 ай бұрын
I love how you explain your thought process and rationale in a way that's simple to follow. Excellent video Stanley! Congrats on the new card and that healthy credit line. Oh, and thanks for the love 😍
@TheCreditFrog10 ай бұрын
Thanks so much Josh! Yeah, it was kind of a unique situation so I decided to go for it!! No problem at all! Love to give credit where credit is due. Thanks for all the support, and I’m looking forward to your next video!
@Dsinfusions11116 ай бұрын
❤ how much income did u put down? And rent?
@TheCreditFrog6 ай бұрын
I put down my total household income, and my current rent at that time!
@ImStillStealingSteel10 ай бұрын
CONGRATS!!!! 🎉🎉🎉🎉🎉 Welcome To The Bilt Family❤🎉❤🎉❤🎉❤
@TheCreditFrog10 ай бұрын
THANK YOU Danneee BOY!! Happy to be here! 😁😁😁
@ImStillStealingSteel10 ай бұрын
@@TheCreditFrog - Dude, u better do an unboxing once u get it. For no af, they make it feel fancy :) u’ll see.
@TheCreditFrog10 ай бұрын
@ImStillStealingSteel Haha, oh you know I will!
@ImStillStealingSteel10 ай бұрын
@@TheCreditFrog - Ur gonna be right on time for Rent Day :) U’ll love it. The games and puzzle they have to get more points :) U’ll see. Proud of u :)
@MattWelterOfficial10 ай бұрын
Definitely makes sense in your case on why you applied for the Altitude Reserve first, with U.S Bank having the restrictions for recent inquiries & accounts. Congrats on finally getting approved for the Bilt Card after a bit of a process! Absolutely love utilizing our Bilt Card right now. Great video as always Stan!
@TheCreditFrog10 ай бұрын
Thanks Matt! Yes, this approval was a long time coming! I wished I didn't have to do so much of a process, but it's just the way things have worked out recently! Also, I guess it makes these WMAs a little more entertaining and less straightforward, haha! Very happy that I have a Bilt card to get those 1X rent points!
@jakemercure10 ай бұрын
Congrats on the getting the BILT card Stan. I think you're logic makes sense for why you applied on the same day as the Alt Reserve. I always learn something new with your videos. Much appreciated !!
@TheCreditFrog10 ай бұрын
Thanks Jake! Context definitely matters when it comes to these applications, but certainly could've been switched depending on what was most important in your situation! Happy you could get your learn on - that's my goal with these videos!
@ItsMeCJ10 ай бұрын
First of all…I’m FIRST! Secondly, that shoutout to Josh was so awesome and heartfelt! Im surprised that your application ended up in review. I don’t think I’ve seen anyone end up under review for this card so far, but that credit limit though!!! Congrats!
@TheCreditFrog10 ай бұрын
Haha, Ok CJ you can have this medal for being "first," Here you go:🏅! Yup, definitely ended up in a pending status, but I'm happy it all worked out, and I'm pretty happy with the CL too. Appreciate it!!
@LukesPointsandMiles10 ай бұрын
Stan out here killing the game. Getting stuff done!
@TheCreditFrog10 ай бұрын
Thanks Uncle Luke! Haha, I try!
@johncarters125 ай бұрын
You got the Mao Zedong cut. Receding hairline up top and narrow on the sides. Noice
@TheCreditFrog5 ай бұрын
Thanks!
@jpknowledge885210 ай бұрын
Congratulations on the two new cards! Getting approval for two cards in 24hrs feels awesome 🤑💳
@TheCreditFrog10 ай бұрын
Thanks JP! It sure does. I’m really glad it worked out because it definitely could have been the other way around!
@jimmyjames649210 ай бұрын
Congrats on the new CC 🎈🎉🎊🍾 Thanks for the info + video!
@TheCreditFrog10 ай бұрын
Thank YOU Jimmy James!! 👍👍
@SledgeIncTeam9 ай бұрын
Congrats. Same thing happened with me when i applied fot the Bilt Card. It went into Pending and i had to call. I always research which card pulls from which bureau/s. It was Equifax for me because of where I live.
@TheCreditFrog9 ай бұрын
Thanks Sledge! Oh, that’s great to know that they pull from a lot of different bureaus. In my area, it’s mostly Experian so it surprised me that it pulled TU! It’s a great card to have so I’m happy I got it in the end!
@WealthOfOpportunity10 ай бұрын
Congrats on the approval Stan! Very methodical in your process and I too was surprised by them pulling TU as they pulled EQ for me!
@TheCreditFrog10 ай бұрын
Thanks Ninja! Yeah, I was super surprised TU was pulled because, at least for me, almost all of the credit card action I get is on Experian. Worked out though, haha!
@nubianpwr10 ай бұрын
Another tour-de-force Stan👏🏾👏🏾 I could swear I was in the stories with you step by step with the exquisite timing of the videography! I may follow your footsteps on these two cards next yr, since I'll be at 2/24 by Apr. I just want to snag 1 or 2 Ink Business cards 1st, then off to the races. Congrats on your winning strategy man👍🏾🥂
@TheCreditFrog10 ай бұрын
Thanks so much Nkosi! Haha, yes, I try to make my WMAs as immersive as possible so you're on the edge of your seat! Yeah, if you go for the USB AR, there's definitely a significant gardening period, but with business credit cards (especially the Inks and the Amex cards) you can still get some nice SUBs while growing your vegetables 🥕🤣
@steve_rogers_usmc199010 ай бұрын
Always a great video! I really enjoy your channel as it is similar in style to Spencer's in that you both lay out the card and how it can be good if it fits your strategy and set up. I really want the Bilt Mastercard however, I am gardening my status a little more as I have 4 inquires in the past year. I just do not want to waste an application on a potential silly denial. Keep up the great work!
@TheCreditFrog10 ай бұрын
Thanks Steve! Yeah, Spencer is a good friend of mine, and I really admire how he does his videos! I think gardening is a good thing in your situation, since it sounds like you're just like me when it comes to hard pulls and trying to be as conservative as possible with them. One of my fears as well is getting a hard pull with nothing to show for it! That happened a lot more when I started my credit card journey, but at this point, with a lot of planning and strategy, I've been able to avoid that situation so far!
@Erodpacheco10 ай бұрын
Congratulations on the new card Stan , another one for the collection !
@TheCreditFrog10 ай бұрын
Thanks Emmanuel! Pretty excited about it!
@nafeesawilliams88710 ай бұрын
Love your content always open and honest to the viewer thank you.
@TheCreditFrog10 ай бұрын
Of course, Nafeesa! Thanks for being here, and appreciate your support!
@JoshGiebel10 ай бұрын
Congratulations on the new card, Stan! You know I love the Bilt card! Interesting that they pulled TU rather than EX. I also expected EX but they pulled EQ for me - this worked out for the better since EX has most of my inquiries.
@TheCreditFrog10 ай бұрын
Thanks so much Josh! Yes, I know you love the Bilt card, and I'm happy to join the familiy! Interesting that they pulled EQ for you! Out of all of my credit cards, I've never had one of them pull EQ before so I've never put any importance on that one. Guess any issuer can pull whatever one it wants (except C1 which pulls all 3)!
@SledgeIncTeam9 ай бұрын
They pulled Equifax for me too
@JPBuffet10 ай бұрын
Wow, that was a good amount of hoops to jump through. Congrats Stan!
@TheCreditFrog10 ай бұрын
Definitely JP! Thanks so much! Happy to be a part of the Bilt club!
@Leoprieto7410 ай бұрын
Hey Stand,.. for the application question about Monthly mortgage or rent payment I always been confused during my past application because I don’t have any of them and always felt weird putting $0 on this section. Anyway, I got approved on all my 12 cards. Just always felt weird to me and thinking I was going to be denied because of putting $0 for this application question!!!
@TheCreditFrog10 ай бұрын
Nice Leo! Yeah, it's kind of a weird question, but I think it's something that may just be deducted from your total annual income. Like any application, it's just important to be truthful. Glad you never had to question the reason for denial, but I think the rent/mortgage question is one that you can safely ignore as a specific reason, unless you have more rent/mortgage than you can afford!
@Leoprieto7410 ай бұрын
Oh yes, I absolutely answer all the applications question truthful. I really don’t have either one; Mortgage or Rent (I am not homeless either 😆), … when applying I was concerned that the bank issuer will see this as a 🚩; either a mistake by me during application or me trying to hide something. Since not having either of those payments is very rare (and I am not in jail either 🫢). Anyway, maybe Leo overthink this too much 😊. Anyway, I don’t see my self applying for any card to worry about this question again,…unless Chase comes out with a very premium World of Hyatt card.
@hector-18108 ай бұрын
Rent or mortgage show your monthly obligations. Soo yes they will be deducted from you income. If you split the rent/mortgage you just enter your responsibility. CapitalONE even mentions in their terms that you need to have a certain amount of income above your rent/mortgage in order to be eligible for their cards.
@AndysCreditCorner10 ай бұрын
Congrats on the approval! Interesting that they pulled TU. For me, WF pulled Experian like most banks do for me. And yes, as a former teller at a bank, I can say that lunch hour can be quite busy at bank branches, but there are slow pockets as well. It’s hit or miss.
@TheCreditFrog10 ай бұрын
Thanks Andy! Yeah, I always expect Experian since that is the bureau that is the most commonly pulled for me. I didn't realize you were a bank teller! Very cool. It honestly shocked me that they weren't that busy! Typically, there's a line out the door, so not sure if WF is doing something right or something wrong 🤔
@justinev784610 ай бұрын
Hi Stan! Great video as always, super informative. Your teaching style is easy to follow. I was wondering what your thoughts are on mega back door Roth?
@TheCreditFrog10 ай бұрын
Thanks Justine! Yeah, the Mega Backdoor Roth is a great strategy to get a lot more dollars into your Roth IRA! The only issue is that not all 401k/403b plans offer it because it requires additional options such as in-service distributions. If you're custodian has all of the options, mega backdoor Roths can be very powerful to supercharge your Roth dollars!
@DJOctober10 ай бұрын
Congrats, Stan! Too bad I don't pay rent or I would hop on this card ASAP! The 3x on Dining would be solid if I didn't already have the Business Gold Card at 4x and a backup CFU at 3x in case Amex isn't accepted. I thought about going for it anyways for the AA miles, but I ultimately decided to continue to garden my 5/24. Love your content. - Ivan
@TheCreditFrog10 ай бұрын
Thanks Ivan! Yeah, that sounds like the better strategy for you. If I didn't rent, I probably wouldn't hold the Bilt card tbh, but since I get all these points for spend I would be doing anyways, it makes it well worth it - and with no annual fee! Great strat - Amex Business Gold for dining with CFU backup!
@caribdude815110 ай бұрын
Congrats again Bro! Lets Go!!!! 👍
@TheCreditFrog10 ай бұрын
Thanks so much! Let's goooo 🔥🔥🔥🔥
@Rinvids10 ай бұрын
Lookin forward to the unboxing!
@TheCreditFrog10 ай бұрын
Haha, you know me so well. Coming soon!
@zyzzuschrist341010 ай бұрын
Thanks for sharing the dp. Entertaining to see it done as a video
@TheCreditFrog10 ай бұрын
Of course! Glad you enjoyed it!
@dral227 ай бұрын
This goes to show that a high credit score is not everything. I was approved instantly with a much lower credit score
@TheCreditFrog7 ай бұрын
It’s true! There’s more to just a credit score when it comes to an application! Congrats on the easy approval 🎉!
@theyhateme260110 ай бұрын
Congrats…Would you consider doing a video of he journey with your current cards?
@TheCreditFrog10 ай бұрын
Thank you! Yes, that's definitely a video I'm considering doing. I did one of those about a year ago, but it definitely needs to be updated!
@whypopme888 ай бұрын
the man looks like chairman mao :D excellent video though.
@TheCreditFrog8 ай бұрын
Thank you!
@jeffreyplatt77032 ай бұрын
Would it be recommended to 0-1 new credit card accounts and inquiries in the last 24 months?
@TheCreditFrog2 ай бұрын
I don’t think Bilt and WF are that strict, but of course, it would help if you can!
@jeffreyplatt77032 ай бұрын
@@TheCreditFrog yeah for the BILT card I was auto approved last year. Thanks I should have clarified I was talking about US bank.
@TheCreditFrog2 ай бұрын
@jeffreyplatt7703 oh I see! Yeah us bank is more strict and having 0-1/6mo is preferable
@TheZombaslaya10 ай бұрын
Unfortunately I still live at home and have 0 utility bills in my name, I'm considering this card but hopefully they won't ask for that.
@TheCreditFrog10 ай бұрын
Yeah, I think if you want to avoid that outcome, it may be helpful to open a checking account with them. That way, they already know who you are, and that you're a real person.
@joshua.butler10 ай бұрын
Woot woot!!!
@TheCreditFrog10 ай бұрын
🎉🎉💯
@Nick_Redlee5 ай бұрын
i am in exactly the same situation, but when I called they said there is no additional information required, so should I just wait or call later today
@TheCreditFrog5 ай бұрын
I would wait a few days before calling. It usually takes a day or two for a decision to be emailed to you!
@user-ub9nn2eb7c10 ай бұрын
I live in new York everything is experian pull .. I haven't applied because my score is too low at 634 but do have Wells Fargo checking
@TheCreditFrog10 ай бұрын
Thanks for the DP! Yeah, even here in California on the West Coast, mostly every pull is on Experian. I think the WF checking is a step in the right direction, but I'm sure you're making moves to get that credit score to be higher!
@ismaelmendoza765210 ай бұрын
@@TheCreditFrogI live in California and they pulled my Equifax report
@TheCreditFrog10 ай бұрын
Good to know! I guess it's more random than I realized, or maybe location within CA matters as well!
@Dsinfusions11116 ай бұрын
I got declined so I want to know how to get approved
@TheCreditFrog6 ай бұрын
Not sure if there's an easy answer to this! The best way is to have the highest credit score you can get, have low credit inquiries/new accounts, and if you were denied recently, maybe starting a relationship with Wells Fargo by getting a checking account or other banking product may be helpful! Usually, you can try again in 30 days.
@miguelherrera967610 ай бұрын
Hi Stan, can you please rate my future card set up? CSR, CFF, CFU, Gold, Plat. I would also do the equivalent cards for my small business
@TheCreditFrog10 ай бұрын
Hi Miguel! Any reason you want both the Chase Trifecta and the Amex cards too? There’s a lot of overlap between the two issuers. Double that if you go Ink and Amex Business as well.
@miguelherrera967610 ай бұрын
I feel like I’m very indecisive and I just wanted the best of both worlds
@TheCreditFrog10 ай бұрын
@@miguelherrera9676 I would start with the Chase Trifecta first and see how you like it before you jump into Amex, which have more expensive cards and higher minimum spend requirements on their bonuses. Once you get the Chase Trifecta, you can identify categories that aren’t covered well and select cards based on the multipliers or travel benefits depending on your lifestyle!
@miguelherrera967610 ай бұрын
Will do, thank you :)
@miguelherrera967610 ай бұрын
@@TheCreditFrogif I may also ask, why do you prefer Marriott over Hilton? Do you think one would be better for family stays and another for business?
@YousifGamer243 ай бұрын
Daaaamn
@TheCreditFrog3 ай бұрын
👍
@YousifGamer243 ай бұрын
@@TheCreditFrog im sorry man its just first time seeing you this video really helped me💙
@TheCreditFrog3 ай бұрын
Happy to hear that!
@mrbazgal486210 ай бұрын
Whitout passport
@TheCreditFrog10 ай бұрын
💯
@wireless123510 ай бұрын
Fax? Lol. Welcome to 1993.
@TheCreditFrog10 ай бұрын
I know right? I was like, wtf is this lol!
@tendercrispbacon10 ай бұрын
I had to mail in mine because my ID didn't fax well
@TheCreditFrog10 ай бұрын
@@tendercrispbacon Unfortunate. Yeah, I just took a pic, printed it out, and had that available to fax
@tendercrispbacon10 ай бұрын
@@TheCreditFrog it took 2 weeks and so many calls to the customer service. I was over it at that point.
@TheCreditFrog10 ай бұрын
@@tendercrispbacon Ugh, that's awful! I hope you got the card after all that work!
@kaymicah530910 ай бұрын
Just want to piss off CJ
@TheCreditFrog10 ай бұрын
Just tell him that you love the Classic Gold card and Rose Gold is 🗑️. That will get his gears going 😅
@krs190510 ай бұрын
6/24, you rebel. Say good bye to Chase Cards forevers. Hopefully you stay out of pop-up jail with Amex. Not to brag but I’m 0/24 for the last 5 months.
@TheCreditFrog10 ай бұрын
Haha. Such a rebel!! I’m still in a good position! If I play my cards right, I’ll be under by April 2024 so not too long of a wait! I hope Amex doesn’t put me in popup jail, but they’ve been really annoying recently.
@krs190510 ай бұрын
Are you already planning a new card for April and tax season?
@TheCreditFrog10 ай бұрын
@@krs1905 I may or may not already have one lined up in my current roadmap! 👀
@krs190510 ай бұрын
@@TheCreditFroghello, the new Amex Business Gold Card at 130k MR
@kaymicah530910 ай бұрын
1st
@Ragnar032110 ай бұрын
Wow life accomplishments here’s your cookie 🍪
@TheCreditFrog10 ай бұрын
Congrats! You are FIRST today 🥇!
@dutchberry2 ай бұрын
mine was approved right away.
@TheCreditFrog2 ай бұрын
Congrats 🎉🎉!!
@CesarJoel10 ай бұрын
Great application strategy Stan! Congratulations on getting both cards approved bro! 🎉 Thanks for the info!🫵
@TheCreditFrog10 ай бұрын
Thanks César! Yes, I'm pretty happy and my core credit card setup is nearly complete with this!