I would cancel my credit cards before I'd send copies of my financial records including tax returns to AMEX. I understand they have the right to ask and I certainly have the right to say no. IMO my credit report and employment verification should be sufficient. Anything beyond that is too intrusive.

@roxcyn

7 жыл бұрын

Steven Miller - That's weird because they can verify your POE and SOI on specialty credit reports. Kind of a moot point to ask for tax info. (POE - place of employment, SOI - source of income).

@stevenmiller7747

7 жыл бұрын

roxcyn exactly my point. But there are things on my tax returns that are none of their business, so why are they really asking for tax returns?

@roxcyn

7 жыл бұрын

Steven Miller exactly, I wouldn't want to send them in either.

@MegaBallPowerBall

6 жыл бұрын

Steven Miller It's to make sure you aren't doing anything illegal using the power of assumption and guessing. If you're reporting an income on tax returns higher than what you tell Amex, they'll gonna be suspicious.

@tspiderkeeper

6 жыл бұрын

then you should consult a lawyer cause somethings fishy there.They can only request it if need to verify your identity which only the government can and that is in person

2:11 American Express 2:29 Chase 2:56 CitiBank 3:58 Bank of America 4:12 Wells Fargo 4:17 US Bank 4:20 Capital One 4:26 Discover 5:02 Amex Watch the full video to learn about each and every one of these lenders. I recommend it.

I’m good !! Because I have two Capital One cards...their line increase is a soft inquiry.

Great explanation really liked the water example you gaved.

Very informative video. It clears up a lot of the confusion that turned up in yesterday's video comment section.

I love your videos bro. Super helpful. Keep it up

I’ve been binge-watching your videos. Great info!

@Wire-Free

5 жыл бұрын

Me too

Because Im a noob I just recently paid for more water... Sucks making mistakes and the not realizing the better option until after

@marimayberry8877

4 жыл бұрын

Accidentally did the same because there was no fine print, just a tool that said request an increase and then a quick approval followed by hard hit notification (on the anniversary of my previous hard hit of 2 years prior, when apartment hunting, that was going to fall off). If I would have known better, I would have applied for a new card if I wanted a hard hit! It's probably not as big of a deal as I feel it is though. I just like to be calculated, if only I would have seen this video beforehand!

I love your videos bro. Super helpful. Keep it up ! Thank you.

Thanks Sebby! I almost made this mistake, this video was very helpful!

After watching this video I just tried doing discover credit limit and they give me $4000 credit limit increase without any hard inquiry

@jonesbunny

7 жыл бұрын

sunny khoja stop the lies 😂😂😂😂

@sunnykhoja7932

7 жыл бұрын

jonesbunny haha I really did.

@jonesbunny

7 жыл бұрын

sunny khoja wow that's good. I have discover but I'm wait couple more months!!

@sunnykhoja7932

7 жыл бұрын

jonesbunny I have discover for more than 2 years but never did the credit limit increase they would usually do that. But this time I gave a try and they gave me by $4k so that's gonna help me with utilization.

@jonesbunny

7 жыл бұрын

sunny khoja that's gonna give me hope lol. I been good with them. Low balace n on time payments!!!

I paused the video and as soon as you told me it was a soft pull I went and got my credit limit increased instantly after submitting the request Thank You great content and I liked and subscribed

Excellent! Thank you for the in depth information.

Could you do a video on chase private client services? every time when I log in my online account, I see Chase ask about it.

Remember some chase cards are hybrid cards, they come with a credit access line. Not a credit limit.. you can charge more than the credit access line with out over the limit fees. The portion you charge over the credit access line must be paid in full every month. So credit limit increase is not needed. My chase sapphire preferred is like that.

Great stuff, thank you for the info!!

This is good info. I recently had a CL decrease by Amex and was basically told if I wanted the limit back I would have to do the financial review process but it was completely optional. They said that the account was in good standing and there was no reason for closure but this video helped inform me that the financial review is a lot more burdensome then they made it seem. Given that it is optional and I am not doing anything wrong (CLD for low activity) I may just not bother with it for the reasons listed in the pinned comment

If I was thirsty and I needed a drink of water I’m paying with my discover it card because I get cash back on restaurants

@ginafumi3010

3 жыл бұрын

🤣🤣🤣yessss

Interesting examples lol. You make it really to understand 👌

hey sebby can you talk about what to say to a creditor if they ask you why you want a higher limit.? knowing how to answer that question will greatly help your chances of not only just getting the increase but getting the increase that you want. my suggestion is that if you call to get an increase and they ask you how much of an increase that are you wanting don't give them an answer.! just simply ask them what's the best that they can do.? I say that because you don't want to say something like $2000 and you actually qualify for $5000.! unless that $2000 is all that you really want.! otherwise I would take the max even if your not going to actually use it.

Capitol one says you may make a request anytime you like i deal with them trying get a raise 3rd try now hope its gonna happen

I have a csp that I planned to ug in a couple months when a.f comes. From what I've been reading, you need to have a 10k limit for csr. Will I need to eat a hard pull now and request a limit increase to upgrade in Sept? Thanks for the vids sebby!

Hey whats up this tool you mentioned at Discover I did nt find it they as for gross, assets, rent, and employer name. there was no option to enter the limit that I wanted wich would have been cool. On the othere hand they presented an acceptible limit that they would give me and I was able to slide the bar down if I did not want there maximum offer.

thanks for your videos

The AMEX financial review. That was 30k limit collective between all cards or a single card limit of 30k and up?

What isn't mentioned is that when you get a new card issued your credit length lowers which could lower your score. In my opinion, it might be worth getting the increase if you are potentially going to lose more points by adding a new card to your credit file.

@AskSebby

6 жыл бұрын

Definitely. Age plays a huge role with this. I'm looking at this as 20/30 something where adding cards is still the optimal move since they'll age with you: kzread.info/dash/bejne/X6Kmq9p8pNLAlJM.html

@stephenlacher587

4 жыл бұрын

@@AskSebby Also, increase in number of cards can help score. Depends where you are in the scheme of things.

This video is superbly helpful. I just doubled my credit limit lol.

hey @asksebby, I have an AMEX through USAA. How different is that from having a straight up AMEX and applying for an increase in limit. Obviously, that goes through USAA right? Or can i contact AMEX?

The water example was really good

So I requested a credit limit increase over the phone with BOA and the lady said it was going to be a soft inquiry so maybe that is something new.

Hey sebby, great channel addicted to your content. My question is I just payed off one of my cards. Should I still use it minimally like a debit card and pay it off every month or stop using it for a time being.

@kevinfransen1255

6 жыл бұрын

I use each of mine that aren't daily drivers about once a month to buy like a bottle of water or something. Some, including Sebby might suggest once every 3 months. Basically, the idea is to keep them active so they register on time monthly payments. Credit card companies can and will close your accounts if they remain dormant for too long.

Can i ask for a credit limit increase in 3 different credit cards at the same time ? Or at least a month later ?

I have a question. I have a Platinum Amex (Applied) Cash magnet (Applied) 20k limit. One authorized user on it Blue everyday 5k limit (I'm an authorized user and did not apply) And a business card charge( I'm and authorized user and did not apply) Do cards you were added on count towards the financial review limit or not? I'm a trucker and away from home so just wondering if I should have documentation ready.

I just saw that a credit reporting bureau added my spouse’s new credit card limit to my report even though I’m an authorized user, not a joint holder. Since her limit was added to mine, my utilization rate decreased I wonder if this will negatively impact my ability to obtain new credit? Could this be another way of increasing my score?

Planning to get an Amex Cash Everyday/Preferred Cash When Cap 1 Increase My Limit 705 in 7 months..

2:11 American Express 2:27 Chase 2:32 Barclays 2:55 Citi bank 3:57 Bank of America 4:11 Wellsfargo 4:17 US Bank 4:20 Capital one 4:26 Discover 5:00 Amex (American Express) 5:38 one of the factors that leads to financial review

@hermonymusofsparta

2 жыл бұрын

You win

Well the water situation you mentioned is similar to one in Italy. 7 euros per bottle of water. No access to super markets for me in the area. The tap water was contaminated and I ended up spending 30 to 40 euros a day in just water. Not to mention how bad all there fees were. I wouldn't recommend visiting italy unless you have to like I did for work.

@AskSebby

6 жыл бұрын

Same problem in Asia, but water is substantially more reasonably priced.

And that’s why I didn’t ask for a CL increase from $13.6k for my CSR but applied for and got a new CF with a $14.4k limit last Friday.

@ricardosanchez7768

5 жыл бұрын

justabrother do you have the “ Chase trifecta”?

Hey u should do a FYI for chase reserve card that they like to put your account on hold ..for a ten day periodically review and not tell u and u can't access the card !! And neither can customer service until the review is complete !!

@AskSebby

7 жыл бұрын

Pinned. I've heard of people going through this for high spend or for high limits but don't have specific numbers.

Sebby, I recall a video when you sort of explained this but could you go over the concept (maybe do a video) of decreasing your credit limits with regard to income. How much credit to income is too much for most credit cards? Could you also explain (especially for those with thin files) how other credit cards "see" your limits with regards to new applications; i.e. I've read elsewhere that some credit cards won't consider you unless you have a card with at least a $10,000 limit but having too many cards with $10,000 limits would seem to contradict your decreasing limit philosophy. I hope I'm making sense. Thanks in advance.

@Reviews4yourliking

7 жыл бұрын

I will try and help out before he responds. He was saying just to not get more credit with one company than you make in a year. EX: I will just use Chase as an example Income: $25,000 Keep your total credit with Chase below $25,000. You will be a high risk if you have more credit than you make each year. Make sense? To decrease you can go on their website and on the left when you log in you will see a secure message thing. Click it and request a lower limit based on what you want, how many cards you have with Chase and how much credit limit you currently have. They will be able to decrease your limit really easily. Personally I have 2 cards with them (CSP and Ink Preferred) and I requested a decrease in credit to $5,000 on each card because I want to get more cards with them and if they see I only have $10,000 credit with them based on my income I will have a higher chance of getting approved since I am currently low-risk base on my credit to income ratio. I am sorry but I do not know about your second question so I hope he will be able to help you out! I hope that makes sense to you and was helpful.

@avburns

7 жыл бұрын

Thanks. That helped. I'm surprised that having over $25,000 (to use your example) in credit on ALL of your cards wouldn't be an issue. Is there a rule on how much credit compared to income you can have on multiple cards? But, yeah, keep credit limit below income per individual credit issuers is a simple rule I can follow. Thanks.

@Reviews4yourliking

7 жыл бұрын

Some companies I am sure will not want you having more credit than your income. If that is a concern just lower your limits to $2,500 if you plan on getting a lot of cards. No need to have a crap ton of credit if you pay off in full each month for regular expenses. You will be able to get 10 cards with the income rule by lowering your limits to $2,500 and if you lower them to $2,000 you can get 12 etc. Just do what works best for you and your situation but just try and stay under your income on all your cards if you are concerned about credit card companies denying you if you have too much credit. If aren't concerned with them doing that then just stay under your income with each company. Remember that what works for one person may not work for another so just do things at your own risk!

On the Discover trick. Does one the that on their website or their app?

Maybe do a 2019 update?

can I do a credit limit increase at chase and then sign up for a credit card and only get one hard inquiry?

Hello Sebby how do you delete hard inquiries off your credit report ?

You have the best content!

Lol at the water analogy. From my experience independently dining in Italy (Como, Firenze, and maybe Roma), just specifying "water" may get you a 5 or 6 EUR sparkling water. Could have ordered one or two lunch espressi or two scoops of gelato instead. Ouch.

It’s odd. I know it’s based off of income too. Not just credit score, but Amex just started me off with 2k on their Blue Cash Preferred card. BOA cash rewards was my initial secured card $500 limit. Asked for an increase a month ago after having the card for 3 years with a 730 credit score and they only raised it to $1500. I apply for one of USAAs credit cards and instantly got a $10,500 limit. No clue why that one was so high.

Hello, If I product change my boa credit card,will my upgraded/downgraded new card have the same credit limit like the previous one or it will be less or more than the previous limit? Thank you!

@AskSebby

6 жыл бұрын

Yes (almost always).

Always had issues with my BoA card. All other issuers have me at a minimum of 5-7k credit limit. BoA will only give me 2.5k for whatever reason and has denied any limit increase I requested.

My credit limit is 54,000. I been with BOA organically for 7 years and now starting to get into the churning world. I am starting with chase due to the 5/24 rule and currently at 3/24, but I am nervous to open my next card (CIP/CIC) because my income is roughly 75-100k. Amazon card (9/18 12k), CSR (12/19 35k), CF (12/27 17k). Will I get denied on my next app due to credit vs. income 50%?

I have over 30k total on both my amex cards, how long until they start the review?

I just recently upgraded the credit limit from my Amex from 6k to 15k. If I wait another 6 months, the maximum I can ask for is 25k to not trigger a financial review? I realize this is an older video so I'm not sure if this rule still applies. Thanks for the info.

Does anybody know if there is such a financial review trigger in the UK? I know when I pawned some gold a few times and the figures at the same pawn shop reached over 4 or 5 thousand pounds something called an anti-money laundering thing got triggered and I had to just take in a bank statement and passport, I’m sure this wasn’t it or was it?

This is that My Uber states for Barclays. To request a credit line increase, please complete this form and click ‘Continue'. This authorizes us to obtain a current credit report to review your credit information, employment history and any other information necessary to process this application. By obtaining your credit report in this way an inquiry will appear on your credit report which will be available by other creditors. This inquiry may have an impact on your credit score.

Is it still a soft inquiry for Capital One?

Is there a hard inquiry for decreasing credit limit or reallocating credit limit?

These water analogies....I dunno 😁

@hobbylobby1348

7 жыл бұрын

SolidLiquidFox I know cause water is free

@Kyber3000-Kimberly

3 жыл бұрын

It worked at first 😁

I had a Chase Amazon card for 5-years (2200) and paid down my balance, a letter was sent to me offering an increase of credit, two months later I called to inquire. The limit was increased 1,000 and I was in the process of applying for a Freedom Unlimited card. After resolving a problem with Equifax, I was approved for the new card with a credit line equal to may Amazon card. My experience is that Chase seems to be fair but does not issue high limits like other card issuers. I think Chase is just playing it safe to reduce their risk based upon your credit file. Chase also used inquires over the past three months and offered a higher APR than other cards recently obtained.

No.. I wouldn't pay for more water, nice VIDEO!!

Do you know if US Bank also uses soft inquiries when graduating their secured card? I recently moved, and all the utility companies hit me for 5 hard inquiries, and I am therefore wary of more. Also, I am relieved that I am not alone in drinking out of canning jars!

@remmzilla

2 жыл бұрын

Hard inquiry to graduate

So like buying a video game and having the option of buying dlc (credit limit increase) or buying a new game for the same price of the dlc (new credit card). Getting the DLC will only give you so much satisfaction. Whereas the new game will give you that initial addiction/satisfaction (sign up bonus) along with more variable playing time (different benefits) thus extending your playing time (more credit) and making things more interesting (more cash/points back). Got it!

@AskSebby

6 жыл бұрын

I think of it as buying skins/emotes. The CLI (and the skins) don't functionally add to the "game" in most cases. Obviously YMMV depending on starting limit and whether it was a constraint.

@asksebby is this video still accurate 4 years later?

Wow good stuff

I would only pay for more water if i was tied down to only drinking water and u had no choice but to drink water ...

who has amex asked for tax returns, income, or bank statements for a credit increase?

Has there been any changes to Amex's financial review? I have an EDB with $24k limit, Hilton Honors $10k, Delta Reserve $6k, as well as a PRG and Platinum. I have yet to see a financial review.

@AskSebby

6 жыл бұрын

The $30k rule apparently stopped happening.

Thanks

can I apply now

If I get the chase ink preferred business credit card, and down the road, is it possible to downgrade to the chase ink business credit card?

@Reviews4yourliking

7 жыл бұрын

Yeah if you are talking about the Chase Ink Cash. You can product change through their business ink cards but you cannot product change from business to personal cards and from a personal card to a business card. I recommend checking out the AskShelby blog that he has in the description. Somewhere on there, he has the product change options for all the cards. Hope this helped. Also I do not know what your goal is with the cards but keep in mind that the Chase Ink Cash has a $300 bonus but if you have a Sapphire or Reserve card you can convert that to 30,000 UR points which will be worth much more so you may want to reconsider product changing if that is a goal of yours. I currently just got approved for the Ink Preferred but am having trouble deciding if I will downgrade it next year and lose out on the 30K or keep it and apply for the Ink Cash. I probably will just downgrade because I am hoping they come out with a Chase Ink Reserve card in the future with a massive signup bonus! Hey, I found the link for his article on it. blog.asksebby.com/product-change-options-for-chase-credit-cards-afcf976001c5

Capital One increased my limit over a year ago. I've paid on time every month and have paid large amounts to close balance. When will the increase it again? I'm still rebuilding and don't want another hard inquiry until next year since I financed a car this year.

@kevinfransen1255

6 жыл бұрын

The idea with capital one cards is to ask for your first increase about 3 months into the card. 2 months later, the steps increase will kick in. Then after that, I believe you can ask for an increase once every 6 months. Since they don't do a hard pull, there's really no reason not to request it. It can only help your total utilization.

I’m a little annoyed I have $7k on the preferred and $3k on the FU but was approved today for the freedom for only $1600.00

I have a Quicksilver with Capitol One, which I've had for about 5 months, and a Discover it Cashback Match card which I've had for about 3 months. I requested for CL increase with Cap One, and was denied because my average monthly payment was too low. since I pay off my balance in increments. Discover, on the other hand gave me an automatic $800 increase out of the blue last week. It is strange how each of their metrics work, and how they each determine what they will do. Thanks for the video! Great advice! Also Im glad that you mentioned that Cap One does a soft inquiry vs. hard, because I wasn't sure.

@AskSebby

6 жыл бұрын

Another thing to consider is that Capital One's target audience is more subprime than prime. I've been rejected for Capital One cards in the past and told during recon that I was rejected since I don't keep a balance on my cards.

@monib4458

6 жыл бұрын

Ask Sebby I always pay my balance in full with my cap 1 card every month because I don't want to have to pay high interest, but now I'm wondering if that's affecting me getting a cli.

@bennyloho2777

5 жыл бұрын

@@AskSebby I have had a Capital One Quicksilver since February 2016. Since the cashback is only 1.5%, I hardly use it, except when I went overseas. Early this year I applied for the Savor and was denied after a hard pull. I called them twice for recon and apparently they felt that I have not made enough use of my QS. I called them again just a month ago and asked to trade my Quicksilver with the Savor, and was again rejected. I am just fed up with them. FYI, I have never been delinquent and my Fico scores are well above 750.

You lost me at water...lol. Great video nonetheless.

@AskSebby

6 жыл бұрын

That's what happens when you give yourself 10 seconds to think of an example/analogy lol

I had an requested an increase with a Best Buy card through Citi Bank. There is no disclosure stating any inquiry and two weeks later I have an alert about a hard inquiry. Is there a way to dispute this?

@AskSebby

6 жыл бұрын

www.asksebby.com/blog/when-and-how-to-file-a-consumer-financial-protection-cfpb-complaint

Is this true for business accts as well?

What about Ollo for credit increase?

There IS a hazard of having more credit limit - at least at B of A, as I found out the hard way. They offered me a 2nd credit card, which I accepted, but they only gave me $3K, so I asked what I was supposed to do with that since I already had a $5K card with them. They offered to roll the two cards together for a $8K limit. Then a year later they offered another better card. OK, the last one wasn't good, but it DID increase my limit, so I accepted. BIG MISTAKE. They stole $3K from my $8K card to drop my $8K card down to $5K, THEN they reported a hard inquiry and that they had dropped my limit - which other banks could reasonably interpret that there was something wrong with me and my credit. My credit score dropped 50 points and my mailbox was no longer stuffed with credit card offers. Lesson: I pushed them early on to up my $5K card to $8K, which left a ticking time bomb just waiting for me to ask for anything else, whereupon they would drop it back to $5K where they wanted it - and destroy my credit in the process. From now on, I will be requesting NO increases - and just let the banks make up their own minds as to when to increase my limits - just to avoid such looming disasters.

Where do you find that discover tool?

I just got the quick silver one card wanted to know how would be best to get a limit increase would it be better to pay my balance off in full every month or leave a balance and pay over the minimum payment

@notosure2148

5 жыл бұрын

Never minimum payment bro. It's not worth the cash you're paying in interest. I think that might be a case of rather ordering a new drink- instead of a refill, if they don't raise it for you after you pay your balance. Don't pay for that tap water.

@jonathant4280

5 жыл бұрын

I'll just get a new card tbh. Imo it is not worth a hard pull for a cl increase on this card.

Ok I have 2 credit cards wells forgo and capital one my score is 680 and my utilization 35% $3500 on one card and $2500 on the other when she I ask for a credit increase

Hi, when you say that AMEX will "shut down all your accounts" if you don't provide the financial review, you mean all AMEX accounts or all of your credit cards from all your banks??

Does anyone know If Discover does automatic increases or do you have to ask

@stephenlacher587

4 жыл бұрын

Yes, just got an unsolicited increase of $4000. Card is about three years old and, I believe, this is the third unsolicited increase. However, the first one was very small.

I just randomly got a $2,500 CL increase on my CSP. IDK who spends that kind of money but it isn't me. I'll take it though.

@Teddyatlastwobrsincells

6 жыл бұрын

Terrance Steadman I went from 500 capital one silver and applied to Amex everyday and got approved for 4,000 5 months later. Like okay 😂

@chrissymarsha2282

3 жыл бұрын

Money being wasted... that’s crazy. Sitting there in the bank while NO ONE’S gonna use all that💯 trust me. Per ex: $50K, most people will use a small amount/$25K... what about the rest?

Pay for water lol never . As soon as the bank says it's a hard inquiry I say nope I'm ok ! And you for got chase increase from 6 to a year

@MegaBallPowerBall

6 жыл бұрын

iwant_moorecash 2:28 He noted that all requests for credit limit increases with Chase will be hard inquires.

@negadelph

6 жыл бұрын

Lol it is illegal to charge for tap water but the analogy still stands.

@negadelph

5 жыл бұрын

ZhoustFrags what country is this? Tap water is supposed to be free in any restaurant. Why do they have the right to do so (if in the US?)

@kylefleck3080

5 жыл бұрын

f****** is the money in my credit card I've been asking and asking for it and you what you only have 14 subscribers you little teapot

@CASH-TO-THE-MERE101

4 жыл бұрын

👍👍👍

Thumbs up on this video!! Question...does the FR with AMEX apply for both business and personal accounts? For example, if you have 35K in business credit and 10K in personal... does this trigger the AMEX FR?

@AskSebby

6 жыл бұрын

Typically, yes.

I love my water! 😊

Who does capital one pull from? I just got denied from Chase and Citibank for applying multiple times. Should I wait to apply for Capital One? I have Discover: Pulled from Experian. And Wells Fargo Student: Pulled from Equfax. Thanks.

@AskSebby

6 жыл бұрын

CO pulls all 3.

@_baxter

6 жыл бұрын

Thanks for confirming. I just looked it up and heard the same thing. Ill just wait for a few months, I guess.

What about capital 1?

So to all my citi double cash back people ask for a increase and they don't do a hard inquiry or soft inquiry I asked. Went from 3000 to 4500. Only been with them for 3 months.

Helpppp I have capital one platinum with $500 limit. I got a product change and got a capital one quicksilver, stayed same account number and credit limit. I heard those cards starts at a low 1k credit limit. I wanted to request a 3k limit increase because my friend has the same time buidling and similar score. Should I request increase or get a new card. Helpppp. Since it was my first card at 18 I didnt wanna close it due to age of credit. So I upgraded to one with benefits Helpppp

@AskSebby

4 жыл бұрын

I'm not a fan of CLI unless there's no inquiry: www.asksebby.com/blog/why-you-shouldnt-ask-for-a-credit-limit-increase If you want a CLI, request it. The other thing you're not considering is that their utilization, income, and other credit factors can be different. If your someone who keeps a balance before the statement date (i.e., 20% utilization), that's dramatically different from someone staying at the 1% range.

I have always wanted to know if you have no credit limit at Amex how does the credit companies know what your credit utilization is?

@AskSebby

2 жыл бұрын

Generally no impact, in my experience. Probably does flow into the risk algorithms though (i.e., $20k balance on your Platinum).

Navy FCU cli requests are hard inquiry.

Do Capital One Credit do hard inquiries for credit limit increases

@j-flashm297

6 жыл бұрын

Kevin Ellis no they always do soft inquiries.

@THECREDITGOAT

5 жыл бұрын

No

I cheated and increased(corrected) my income on chase and they gave me a new credit limit 😌 no pulls

I just got my amex increased from 5,000 to 15

When I open the account The staff put a wrong ssn But I’m a f1 student without SSN Now my score only 635 Card limit 7000 Do I need to get a ssn? Annual income and output both 100k

@SuperEmlo

6 жыл бұрын

And I only one boa cash back card

@romanmorozov70

5 жыл бұрын

Yes, you should get your SSN. But you should have it, when you applied to a job. How do you make 100k without SSN?!

You forgot to mention that a new card will bring your average age of credit down along with your score. This is one of the reasons some people only want increases. Depends on where people are at in their journey.

I'm due for a credit limit increase for my capital one secure credit card question is which would a better decision increasing my secure credit card limit or asking to transfer my limit to a unsecured credit card? What would you do in this situation?

@xjdm1883

6 жыл бұрын

BikeLifeEze any updates?

Is credit limits how much you spend in a month or year?

@AskSebby

5 жыл бұрын

It's a rolling limit based off repayment.

open more credit cards within 24months, it blocks you to apply for some good new credit cards.