Appreciate you sharing the credit cap info! IHG Premier and Business are some of my favorite drawer dwelling cards....no spend needed and yield positive value!

It'll be exciting to see how you use your IHG points when that time comes. Requesting a credit limit decrease is something I've though about doing for a while because some of my personal cards have higher limits, but Chase keeps approving my applications so I haven't had to worry about it yet

Congrats on getting this powerful card and appreciate the credit limit discussion! I think I'm close to an aggregate credit limit that Chase might have issues with. Thankfully that shouldn't be a show stopper as you pointed out.

Nice pickup! Thanks for the info + video!

Phenomenal content & data points. I actually sent Chase a secured message to lower my credit limit with the Amazon card because I don’t need 15k to 5k and to strategize for Ink Cash approval soon!

Nice looking card💪 Interesting outcome, thanks for the data points and for sharing your future strategy with Chase. Keep up the great work mi hermano!🫵

The card looks fancy and metal in the thumbnail 😂

The card looks pretty nice in the light Stan. Thanks for taking the time to explain exactly what Chase did to approve you and your strategy moving forward. I wonder how Chase would treat me if I got to my limit 🤔

First!

How do you actually get out of Pop Up Jail? I got the honors card a few days ago and my plan was to grab the surpass card in like 10 days then grab the aspire card around December but now that I am in Pop up Jail, not sure that plan will work and I am annoyed with amex lol. I put spend on my business card and had no personal cards.

Hey Stan if I’m looking to get both the basic Hilton honors cards and the surpass how do you think I should go about it? Should I apply for both within 5 minutes of each other or wait 1 week between applications. I’m really confused. Great video by the way! Thanks!

Good points. Watching this video reminded me that my family has two Southwest cards that we rarely used, and I should cancel them to have spots for other Chase cards.

instead of calling the reconsideration, would it make sense to lower personal credit limit on one or two cards prior to next chase application or would chase flag that an issue. i might run into this issue next year if i go for other chase personal cards again once under 5/24. example: lower credit limit of chase prime visa from like 15k to 10k. then within a month or so, apply for IHG Premier or chase freedom flex.

Can you stack this with the AAA Travel Advantage Card? I’ve heard you’re allowed one or the other.

@Stan The Credit Frog Just wondering, for the AAA cc, the 10k cap means every year as long as i dont spend more than 10k, i will get the 3 percent cb right? Thank you

This is great, thank you so much! I have a question: When the money is finally transferred to the Roth IRA on fidelity through the backdoor Roth IRA process, do you then transfer the money in the Roth IRA to the mutual/index fund account you want to buy as the last step? for example, invest in FDKLX or AMAGX? because wouldn't the money just sit in the Roth IRA account as cash and therefore not accrue any interest?

I’m at 11/24 I’m screwed 😂😂

the business advantage customized cash card is best, gives up to 50k / year instead of the measily 2500$/Quarter on the personal one. i hated how i easily spent over 2500$ in just one month and didnt qualify for the 5.25% cash back.

hi Stan, if I buy IHG pts when they go on sale at $0.5 / pt and use AMEX Hilton Surpass... do I earn 4x since it is an online purchase? thanks

I actually did this with CITI. have racke up over 90k in a year.

Citi (Strata) Premier is solid; and you already know how I feel about the USBAR! 🥳

For the venmo credit card, anyone have an honest review on the app when using it to pay it off and any other helpful, + or -, things to say about it? Thinking of getting it since costco is my main store for groceries. Thank you.

Yaaaaas BILT 😊 it’s just so good

Very interesting! I hadn’t heard of this card, good to know!

Glad it worked out for you on that one. They just increased the Ink Preferred to 120k bonus with same spend as standard offer of 100k. I'm meeting with a banker on Monday at a branch to see if they can help me out with my reconsideration as I was denied in April and again last week for it because of available credit and "too many new accounts". Fingers crossed they'll be wise and approve me for it considering I've banked with them for 20 years and currently hold 4 personal cards of theirs along with the Ink Cash and Ink Unlimited business cards. I'd like to snatch this business card up too as I already have the personal IHG card which I plan to cancel early next year before the AF posts.

They just put out a 5 free nights ( worth 300k) offer on their premier. Wow!

The $10 Ubercash is a nice supplement to the $15 from the Platinum, making it an easy to use $25 because it auto-loads. The $10 Dining credit though, extremely annoying to remember to use that.

I experienced this firsthand! I was purposely staying under 5/24 and when they came out with the elevated offer for the Reserve, i applied... And got denied! They said exactly this - i already had too much credit with them. EXCEPT when they told me this and i said to lower my other credit limits and/or transfer my credit limits to the new card and reconsider, they still denied me! I was pissed. I still lowered my credit limits on a couple cards for future applications. Maybe it'll work out, though, and I'll be able to get their new Emerald card when it comes out? 🤞🤞 Staying under 5/24 just in case.

Stan it would be great to see a video on how you got all of these super high limits on your credit accounts. Like I’m sure other people with your credit age and income don’t have that many accounts with such high limits. Only other KZfaq that comes close is Dave Hanson, but he’s openly stated making millions a year with a long credit age. Unless you’re secretly hiding this.. lol

Stan, what’s your view on having to use business spend on business credit cards ? Let be real, I’m sure most churners are not using 100% business spend.

Is there any rule that states one can only hold one of Premium Rewards and Elite like the Chase Sapphire cards do?

Great video! One question: I made a sizable contribution to my Roth IRA in 2024, but am now worried I will surpass the income limit, as I received a raise and my salary was backfilled to January 1st. So my question is: can I move that contribution out of the Roth into a traditional IRA, and then backdoor to the same Roth I moved it out of?

I’m young and dumb can someone explain to me why higher credit limits are a good thing? Wouldn’t you want to just pay everything off immediately?