I think it’s important to state that the reason you keep your lower tier cards even after climbing the credit ladder is that closing accounts can hurt your score

@kristaschaefer7790

4 жыл бұрын

^^^ there's no reason to quit a card with no annual fee!!!!!

@MrAnonymousRandom

4 жыл бұрын

Getting rid of cards with less perks shouldn't make that big of a difference. The credit limit on them are relatively low and it shouldn't affect credit utilization or your overall credit limit on all your debt that much. Credit cards are being handed out like candy to children in the US. It's their problem for not pre-emptively offering to upgrade your card to one of their better offerings if they have any. If you are a good customer with a particular big bank, you'll be getting junk mail from them offering you a better card from time to time. Especially if you have a lot of money tied up in their investment products or sitting in a bank account.

@ChimpRevolution

4 жыл бұрын

@@MrAnonymousRandom it's not really the utilization that hurts you it's that a lot of the time these cards have a extra year of use when cancelled that is removed from your credit report which means it shows you as having credit for less time lowering the score

@roberttidwell3066

4 жыл бұрын

Could easily have Capital one update you to a rewards card.

@seahawks1185

4 жыл бұрын

It lowers the average age of your credit profile, lowering your credit score, noob.

It's just funny that you go into a hotel room, set up the camera, and be like... alright, EVERYBODY OUT! We're gonna come in the room again!

@miamitreo

5 жыл бұрын

Wei Wang 😂😂😂

@jalabi99

5 жыл бұрын

That's dedication! LOL

@user3086

5 жыл бұрын

He probably went in alone but I thought the same thing

@MaseratiHolly

5 жыл бұрын

i thought the same thing lmaooooo

@badspellin4621

5 жыл бұрын

Spin twist....everybody is sitting in a corner right there in that room.

Makes sense to me. Tier 1 = step 1. That's where you begin...

omg so excited! love sharing your first video, i show it to anyone who will watch it! :D

I love tier 3 hotel cards. Sign up bonuses, free anniversary nights, small status upgrades

Great info! Which ones are best to get at each tier? Also, which are best at each tier? Could you do a video for that?

Great video Shifu, very informative. Will either be getting that luxury card or the regular preferred guest card due to the 1st year waived and a free night! Then maybe I would just upgrade to Luxury in a later time. I've also been thinking about the Aspire card also because I saw that Hainan Video you made on that insane redemption for an award night! Thumbs up!

I love your videos easy to follow and offer great tips, in the 720 ’s right now and got a few 2nd tier cards but have goals for three tier 🤓✌🏾

I began with a CO Platinum MC when I had a not so great FICO/credit history. As the credit picture improved, CO bumped my account to a Quicksilver MC. Just recently they converted my QS MC to a QS world MC with its travel perks.

Thank you for taking the time to make these videos

I started from Discovery it without any credit history, user friendly and has cash back and cash back match for the first year.

15 cards here for 1 person. As long as I get rewarded there is no set number of cards you can have.

@christopherdriving6425

5 жыл бұрын

How do u get approved for that many

@oliviasmith3483

5 жыл бұрын

Christopher Aynsley very slowly. You should only get one-two credit cards a year

@christopherdriving6425

5 жыл бұрын

Thanks for the tip i have 2 so far but thr first one is onlu for building no rewards.

@raycch8668

5 жыл бұрын

@@christopherdriving6425 I just came across one year and I already have six credit cards including Amex Capital One and others all gives rewards

Great video. Thanks for sharing..I now know a little more about what tier level my credit cards are rated in..

This is the best credit card tier system video I have ever seen! Kudos to you for such a credit way of explaining each tier. For me it took about 2/3 yrs to go from tier 1 to tier 2. In your opinion how long did it take you guys to go from tier 2 to 3 and then from 3 to 4? Just a guide line for expectations-if you were planning on the tier climbing strategy? Thanks and keep up the great videos!!

Hey Ben, Would be interested to see an update video on all of the cards you've got right now and any plans in the near future for changes. Do you ensure you charge at least something to each every month? 🤔

I’ve been in the credit card game for only about 4 months, was lucky to get approved for a gold card for my first, making my other 3 cards easier to approve. Sitting now at a 728 at 4 months.

Cards through casinos I.e. MGM can sometimes provide really good perks as well with very low to no fees. Free hotel rooms, drinks, buffets, cash back, upgrades if you visit their casinos, points & free play etc.

Grate video, easy to understand. Thank you dude 😎😎

I'm trailing pretty close behind you, I'm at 11 myself lol. We have a few in common but for the most part it's funny to know our line up differs quite a bit.

I never realized the IO for the EMV chips could be so different among different cards. It makes me wonder how the terminals can communicate with all those different chips.

Lol the comments are hilarious it's like everyone is collecting pokemon cards haha

@khaiphung1185

4 жыл бұрын

It kinda is. A hobby

my first cc was a amex platinum and a CSR

Id like to see what the timeline was like, I myself am hesitant to apply to too many too soon. I have the AA Executive since Im an AA employeee and fly a lot for free. Capital one quicksilver and chase freedom. A bit all over the place but am keeping 5/24 in mind. I plan on opening a chase ink business card next since they dont effect 5/24 then going with CSR to complete my tri.

I went straight from 2 student cards to the CSR just by waiting a few years. Just fyi so people know you don't have to farm cards to climb.

@jalabi99

5 жыл бұрын

True. But sadly most Americans are instant-gratification junkies :(

@TuLegitify

5 жыл бұрын

Yeah but during that time you could have been hoarding points from the chase freedom and then transfer onto the CSR. At no point in the video did he say you have to climb through cards, just certain combos compliment each other. If you have the freedom you use it when the 5x points apply and then transfer to the CSR otherwise use the CSR.

@anthonyk8327

5 жыл бұрын

Yeah, I got my first card 7 months ago and got instantly accepted to the CSP a couple days ago. Figure I will give it a year to take adv. of the free first year and upgrade to the CSR then.

@noahoxley6

5 жыл бұрын

I got the discover it student card and will hopefully jump up after a while using it

@skibike01

5 жыл бұрын

@@noahoxley6 what is your plan for the next card. Im in the sane boat

15:37 HEY LOOK ITS ALLEN!!! Sorry I also watch Generation Tech. I thought I've seen you before. lol

I have 14 on my own, started on level 2 and never left haha. Cash back bonuses are where its at.

@MOBMJ

5 жыл бұрын

Kofi Osei I agree because credit card points get devalued every day. That least with cash it is just cash and that does lose its value as fast as the point and at least it is basically universal you can put it back in your account and use it for other stuff

@louib716

5 жыл бұрын

Yeah I have the Quicksilver and I sort of wonder if there's any point in upgrading since work pays for travel that I do

@marksantucci4230

5 жыл бұрын

@@louib716 That's very cool that you use a cash back card for work very cool.

@Jesus-kt5dc

5 жыл бұрын

@@louib716 *1.5% CASH BACK NO CATEGORIES AND NO FOREIGN TRANSACTION FEE. NO THINKING REQUIRED FOR REWARD IS A NO BRAINER.*

@MichaelMarvin

4 жыл бұрын

It really depends on how much personal travel you do. Yes, with points you are taking a little more risk betting your points won't be devalued, but absolute worst case scenario you redeem those points for a 1 cent a piece statement credit (which any reputable credit card offers). In this sense, you always essentially have a 1% cashback card. You also can generally get a lot more value out of many of these cards then comparable cahsback cards if you're studied on the points game and know how to properly leverage points. This is especially true for hotel cards which still offer standard reward redemptions based on tiers rather than dynamic pricing like airlines. As he says in the video, you start factoring two people into a hotel stay, let alone a family, and you are really getting a great return on your money. If you don't like to or prioritize travel, or you don't want to put the work into figuring out how to leverage points, then yes, chashback is probably the best option for you, but if you do like to travel and you don't mind studying up a bit on how best to use your points, then points cards are absolutely a better deal. Just depends on your lifestyle. Points cards are literally the only way I can afford to travel, and I highly value the couple Amex cards I hold which allow me this freedom.

Great video. I have 14 credit cards, 2 are tier 3.

I use 3 cards. Here in the UK. 1) Amex Rewards Low Rate (9.9%) This is for points (with no annual fee). 2) MBNA Everyday Visa (7.44%) This card is no longer offered but charges no fees and has one flat rate. 3) Lloyds Platinum Mastercard (5.70%) This card has the lowest rate and sometimes has BT deals (6 months with reduced interest, for example).

2. tier 1s& (Wells Fargo&Usbank Platinum Visas. 3. tier 2s 😎💳 for me cash back has been great. (2 no Fee Quicksilvers, Usbank Cash plus visa signature& 1. tier 3 American Express Gold Delta SkyMiles.

I dig the revisiting of your big video and actually applying it to your current cards! Always nice to get some insight into the wallet of the credit card master himself :)

I'd suggest Discover over the Capital one Platinum for Tier 1. Even the secured Discover card is pretty good since it automatically becomes an unsecured after 6-7 months. They make it easy to product change it to any of the other cards. So I went from the Secured -> Chrome IT -> IT pretty easily under a year. So now my first card is still pretty usable unlike the Platinum which has no rewards.

Do any of them require you to use it every month? I have had a charge on one of my cards for not using it.

Why don’t you have any CITI cards. Do you think the Citi Premier is good right now with the 60k bonus?

I am selecting cards that I am only wanting for long term.

Will there be an updated video to this for this year?

Getting the Freedom next month will bring me to 5/24. Gonna be working on a Amex trifecta after that lol. If you’re getting the Platinum, don’t forget to snag the 100k bonus since you can only get the bonus once in your life 👍👍 Hopefully we can get targeted for it haha

The capital one can can do a product change at capital one to the venture one can that offers you rewards points you keep same card number and limited free of charge I did this

I like the Savor from Capital One. I am grandfathered into the 0 dollar annual fee and get 4x back on dining.

@renshawjoshua

5 жыл бұрын

So... you have an Uber Barclays card basically...

Excellent review!

Hilton honors ascend card gets you 125,000 points

Hey Ben it seems you guys run both UR and MR setups. Maybe a video discussing which system people may want to based on goals? From what I’ve read an Amex system may be better for YOLO travel given their partners while Chase setups are good for more frequent routine holidays. What do you think? The new Amex gold has me considering switching my everyday setup to Amex but still not sure. On the end 3x vs 4x on dining is not an ENORMOUS difference I don’t think and probably not enough to switch whole card setups if you’re playing a one player game.

@leemack8448

5 жыл бұрын

You just articulated what I've been debating for the past few weeks. I just received the CSP and am currently working on the minimum spend. But the Amex set up also seems like it can be lucrative if done correctly. I'd also like more info on that set up.

@chriskirsch441

5 жыл бұрын

I would also like to see a video discussing this!

@azalex91

5 жыл бұрын

Slick Reviews I have a couple hundred thousand points on each UR and MR and I feel like I honestly like UR points more for the transfer partners. I’m not one for “luxury” travel I’m more of “I’d rather get as much as possible from points such as one round trip economy trip to Europe for 60k points rather than a 70k one way business which I’ve done and didn’t care for”

@SlickReviews

5 жыл бұрын

Alex Pirate I’m the same way

@marksantucci4230

5 жыл бұрын

@@SlickReviews well let's start with some basic questions do you travel on business? which airline do you like best do you like south west , United, Jet Blue, Delta, Kris Flyers, hotels , Hilton, Starwood, Marriott? do you want a card that you can wipe out a travel expense or are you willing to put the time and effort to look for airlines that have transfer partners? would you be willing to get a cash back card that you can redeem for gift cards? are you willing to keep a credit card with an annual fee open after year one?

If a old account was closed by the issuer if the customer reopened will start a new start up date or it will be from the first time that was open?

*Question,* I have a one tier 3 card and some tier 1 & 2 cards none are American Express cards. My question is, should i go straight for the Amex blue preferred cash back or towards the Amex blue everyday cash back so I can get the sign up bonus and move up from there to possibly get targeted for a more attractive sign up bonus on the Amex blue preferred? Also, *second question,* can I move backwards from tier 3 to tier 2 for a sign up bonus?

Great video, thank you

Question: if I'm denied on an application for an Amex card, will it hinder my approval odds on a card issued from another company/bank on their network (i.e. Macy's American Express)?

Good information. Thanks.

1,2,3,4, as benefits or other valuable things increase. 4,3,2,1 as something, normally a constant, becomes more valuable by the reduction. So you did it right.

I actually went from the Capital One Secured credit card to the Delta Blue credit card. My next one (when I build my credit score a little bit more) is the Chase Sapphire Preferred. Because we are going to be traveling and I would love to have the lounge access :D. I'm hoping by Sept 2019 I will be able to get it! :) I might get the American Platinum or the Chase Reserve. Guess I'll have to do more research! :)

I'm new to all this credit card stuff. I just got the Chase preferred card. I believe I signed up at a time when they were not offering the 50K rewards points sign up bonus. I spent a couple thousand dollars on it within the week that I've had it. Do you think Chase would apply the sign up bonus points to my account if I call and request it?

I have the MasterCard platinum credit card and it works well it’s my starter credit card I’m gonna get more credit cards

I have the AMEX Platinum and new gold card, my FICO score is at 750, but my only credit experience with Chase is the Amazon Prime card. I also began banking with Chase this year. I'm 6/24 at the moment but by March I'll be under, but I'm nervous about getting turned down for the CSR :(. I heard you have to qualify for a 10K limit to have a CSR, which none of my current cards have.

Question: About how long would you say it takes for the free Hyatt night take to show up on your account? I'm trying to setup my free night to land on my anniversary which i think would be great. Dec. 15 is the date

Here's a question for y'all. Just got the Sapphire preferred. How would I pay the annual fee. Does it come directly out of my credit union checking account after a year, or is it removed from my available credit, and I just pay it off as normal.

Would you put the AMEX British Airways Premium card in tier 3 or 4?

Hi Ben. Just a quick question. With the Hilton Honors American express, are the points only eligible for hotels and resorts, or can use them for other stuff like gift cards, air lines, etc.??

Last time I took a flight was 6.5 years ago. I'm thinking these tier 3/4 cards are worse than worthless. Cash back seems to be the best value. I'm thinking about going from Quicksilver to savor one as savor one is better value than savor.

I’m 18 years old and got accepted for a Capital One Platinum unsecured card with no credit history. I started with a $300 credit line. I’ve been using it for a month now, and am planning to continue building my credit throughout the next few years. When should I upgrade to the Freedom Chase Card? Next year? After the 5 month on-time payment credit line bump? Or does it not matter.

You only have 13? Also why the Cap One Plat as a first card instead of the Discover It? It fits squarely into tier 2 and from what I understand doesn't require any credit history. It was the last card I went for in my app spree, I got 13 personal cards (plus a business card) in under a year, and I still was approved for $5k. For reference, the app before that was the PayPal Cash Back MasterCard and I was only approved for $300. I made sure to apply for higher priority cards that were more likely to be declined earlier and saved the easier ones for last.

Okay a couple questions... For starters amazing channel *clicks subscribe* and warm explanations of everything (not really a question). So would the Capital One Venture card be considered a tier 3? Also is there any reason as to why BoA and Wells didnt make the lists? If the answer to the second question is *viewer discretion is advised* then you can skip it lol. Thanks again for the content its really helpful Shifu!

@TheCreditShifu

5 жыл бұрын

Just because I don’t have any in my personal collection, you will also notice no Citi. But they have some okay cards

the amex credit does it matter if i buy all the delta gifts cards in the same statment ?

Just a thought... have you filed your credit card fees as business expense for tax purchases? It might be worth while if it is allowed, as deductible if you itemize. BUT I still have yet to check the new tax laws to see if probable since the standard was increased. Different financial means different decisions to determine if useful...---just an accounting student... ask professional first

Question for you...How long do you think it would take for someone new to credit/new to the US to climb the Chase credit ladder Freedom Preferred and Sapphire if banking with and have all assets (50K +) with Chase

Free nights only cancel the annual fee if you would've done that anyway

Wish I knew about you & the tier breakdown two years ago. Started with my Wells Fargo student card four years ago. It got upgraded to the platinum card- No AF no perks. Then got the Best Buy VISA (needed a new laptop in college & couldn’t afford one in full-they had the 18 month interest free). Graduated & got the Macy’s AMEX for the store rewards points and at the time Plenti Rewards for gas & grocery. And then got the TJMaxx MasterCard for store rewards. Started watching your videos and decided that since I have 4 credit cards with no real perks to just apply for the AMEX Gold. So the AMEX Gold is my only “good perks” card and it’s a tier 3. Should I cancel the store branded cards (2k, 5k, & 7k credit limit on them)? Can I upgrade my WF platinum to the Propel (it has no AF and great perks & make it my tier 2)?

@Dudeee_

5 жыл бұрын

Hi Allison! Regarding the propel card with Wells Fargo, yes you can call them and do a product change to go from platinum to the propel card. The propel offers really great perks. 3X points on almost everything with no annual fee or foreign transaction fees! It’s a really great card to have. And it has a good sign up bonus too! 30,000 points if you spend 3,000 in the first 3 months.

@renshawjoshua

5 жыл бұрын

Never close accounts in good standing. Regardless of you never use the card; it is still giving you higher AAoA, higher total credit available toward your utilization, and continuous on-time payments to leverage against possible credit difficulties that may arise in the future if you experience financial trouble. The only reason to ever cancel a card is if it is associated with an annual fee you don’t feel like paying any longer; and even then you have to weigh the negative consequences of doing so.

@renshawjoshua

5 жыл бұрын

Dudeee_ Just a by the way; typically credit issuers do not offer “sign up bonuses” if you are upgrading a card. They are bonuses meant to entice new customers to “sign up” (it’s in the name of the bonus). Some issuers may still offer the sign up bonus on upgrade, but the overwhelming majority do not. Contact your issuer and double-check prior to making the switch.

So I have the chase slate as my first ever credit card because I wanted to play it safe after getting denied from the Costco card. Now after 2 years I built up my credit and just converted from my chase slate to chase freedom unlimited. Does that make my chase slate inactive? Like I can go ahead and cut it up? Also, What is your opinion on the Capital One Savor card. I am starting up school and want to take advantage of a cash back sign up bonus to cover cost of some books and was disappointed when I saw it was decreased to $300 from $500. Are there any other similar cash back cards that offer a $500 sign up bonus at this time?

How much do you pay for annual fees for all of them together?

If I'm paying over $400 a year to hold a credit card then it best not be peeling.

@n1chr0me6

5 жыл бұрын

Yep, I would call Chase and order a replacement. Super glue lol

@loriesavage8218

4 жыл бұрын

Lorie savage

@isabell.etkind9765

3 жыл бұрын

Closing a card is a temporary drop. If you use credit responsibly, your credit score will move up again, and it does not take as long as you would think.

Are you able to pay the 400-550 fees on the top tier cards with another card? If so you could use one of the cards to buy the fee of the top tier card and have the first card reimburse you for opening it, say spend 500 and get 200 back? Can you do that?

6:08 - sure, but the best way is to calculate the $ saving per point. Not a case of simply doing the hotel and thinking it is better as it benefits more people.

If I just got to quicksilver a few months ago would it be smart for me to go for a tier 3 card at this point or would you recommend

Is it true that you can carry a balance on the revamped gold card

Also 18:15 if your card is at that condition you can request a new replacement card at zero cost!

Personally, I've always found the Quicksilver one card somewhat pointless,as the normal Quicksilver card has no fees but still has all the features of the one, including the reward points and no foriegn fees. And your able to get the card for around the same scores at the one.

Here's my question: if you can get accepted for a card higher up the list with no fees as your first card, should you still start with a card that has no rewards? Personally I got an Amex British Airways reward card as my first one, and the app I used said I had an 80% chance of being accepted for even an Amex Platinum because my credit score is somehow better than the average for both my area and the UK

I got a score of 694 but I built it through credit cards from like Macy's and bestbuy. I want to get a traveling reward card like from amex or chase...does it matter that I didn't get those specific lower tier cards or does only the score matter?

If you’re concerned about how long it’ll take to get a tier 4 card. It took me 1 year and 1 month. I got my first credit card (unsecured) Chase freedom unlimited-> 3 months later Chase Sapphire Preferred -> 4 months later Chase Business Preferred -> 6 months later Amex Platinum. Love these videos they taught me how to get 260,000 in points in my first year of having credit cards.

@MrBillFold

5 жыл бұрын

No Way, damn 260,000 points, sweet!

You need to do an Amex Trifecta video

Will the new roll out of the PRG be metal?

I’m 19 only have one which is freedom ultimate. $1500 limit. What should be my second card?

Tbh tier 2 is pretty great. I'd take chase freedom over Sapphire preferred any day since I don't travel much. I really wish tier 3s or 4s had options with more cashback, so if an extra 1-2% cashback covered your annual fee you'd be coming out on top.

@Jesus-kt5dc

5 жыл бұрын

*I AGREE. I DON'T TRAVEL SO, NO AF CASH BACK CARDS ARE BEST FOR ME. I HAVE BOTH CHASE TIER 2 CARDS AND CO QS.*

Wow! Great video! Very well done. Brilliant! I currently have 11 credit cards!

Dave Ramsey must love this video

@Blitz3O2

4 жыл бұрын

Dave is worth several hundred million. Debt shifu is worried about collecting points and miles. Its levels to this shit

@Sunday-ex7px

4 жыл бұрын

Blitz3O2 Dave being worth several million has nothing to do with him having credit cards or not. It all comes down to financial responsibility because there are many many millionaires in the world who use credit and many who do not. Credit points don’t have anything to do with net worth if you’re not being an idiot.

@sameverhardt4569

3 жыл бұрын

Blitz3O2 Dave also has had to file for bankruptcy because he wasn’t responsible with money

I'm starting out not much history no negatives ..but 1 old one new inquiry 1 new..chase fu just denied me beginning of the month I have decent scores but not much history..I have 1 wells Fargo card that has a high limit now but didnt when I denied.. had too max after being denied..just wondering should I apply for a capital 1 platinum..credit 1 platinum..both have been preapproved..but I cant afford taking another denial..I had 1 negative that has been deleted after I applied for CFU..hoping to pay my limit down but was hoping to have another cc to help with that also should I apply to 1 of those card b4 or after doing recon with chase..sorry so long just wondering how to approach this low on funds right now so hoping to figure something...

Awesome video. Between my wife and I we opened 53 credit cards in the last 3 years 🤦🏽‍♂️🤦🏽‍♂️. 31 are still active lol

@CLJ3274

5 жыл бұрын

I thought I was in 5/24 hell lol

@danibathalier6839

5 жыл бұрын

Points Pointers omg 😲 nice

@bitTorrenter

5 жыл бұрын

Crazy

That's when I kinda wish I lived in the US, these rewards are insane compared to what we have in Switzerland (1% cashback at most with the TCS Gold).

@Damo_LowEnd_or_NoEnd

4 жыл бұрын

I always wanted to go to Switzerland hows the weather and of course the ladies lol

So Amazon Prime Visa would be 2? 3?

I have a black debit card from NAB in Oz. Maybe u can get a cheap c/c and paint it black?

Amex trifecta: Platinum, Gold and Blue Biz Plus

@renshawjoshua

5 жыл бұрын

Why in the hell would you own Platinum and Gold? If you own the one you would literally have no use to ever use the other for anything. Any category rewards is topped by numerous other cards that don’t include an annual fee. You are literally paying an annual fee to have a useless Amex Card you would never use.

Brilliant!

If you are below 5/24 currently. Definitely try for ink chase cards first Amex will almost certainly approve you regardless And will likely approve you with just a soft credit pull. Since you have an existing good stable relationship with then

@MK-ex4pb

5 жыл бұрын

I'm about to hit 5 so I'm gonna get chase for my next card

@benjalazo

5 жыл бұрын

I'm at 5/24 right now I can still get 1 right ? I rushed too fast into the game before doing my reading ughhh

@Deathnote819

5 жыл бұрын

Ink cards are business cards so they don’t affect your eligibility for 5/24

@rgoubin1

5 жыл бұрын

Michael King No , if you are already sitting at 5/24 you most likely WILL NOT be approved for an ink card currently, unless you receive a special targeted offer, then , in some cases 524 rules is not used in consideration of your application

@rgoubin1

5 жыл бұрын

Deathnote819 You are partially very incorrect/ don’t know the reasoning behind it Buisness Cards are not factored into or add to your 524 , only because Buisness cards do not get reported to your personal credit report., when and if you get them...... However. The fact that and if you are already sitting at 524 as reflected by your personal credit report , IS VERY MUCH locked at when chase is considering you for an ink card. Given this information, It’s better to first apply for biz cards when first starting out, with huge exception of capital one biz cards. ( not a good strategy at all , as you WILL NOT be approved for a biz card when first starting out). Or , the more sensible route is to fit in and try for a chase biz card app , a few years down the line, in between one of your personal applications ....again though , making sure though that you are below 524 at the time of the application..... otherwise you’ll almost certainly get denied......

To all my us active duty military personnel if you get a credit card the annual feed will be waived i have the chase sapphire reserve

@MichaelMarvin

4 жыл бұрын

You raise a really good point. I don't know about other companies, but Amex waives fees for all active duty personal on all their cards, including the $550 a year Platinum. You should absolutely shoot for that highest tier card if you have a good history and are planing to stay with the military for awhile. Open all the top tier cards and enjoy the benefits without paying for them. Even if you plan to go inactive, you can always downgrade your product to something more reasonable afterwards.

I had my Capital One Platinum card product changed to QS after 3 months. And Chase won't give me a freedom for nothing, yet they gave me an Amazon prime rewards. 🙃

The Hilton tier 2 right now gives out 125k points and has 95$ annual fee can I apply for that get the points and than later downgrade to the non animal fee silver status ? while not losing the points??? I know I may lay 95$ but it’s worth it because you getting 125k points what you think?

Hey do you have the Chase Preferred and Reserve?

Could you do a uk version please? Great videos

@runecrafter1198

5 жыл бұрын

Josh Fletcher yes I need this so far the only uk ones I’ve seen are with hsbc they have really good ones bt you have to at one point have 100k banked with them

I have 14 cc but thinking of cutting back about 5 of them that are useless

would you get hard pull if you product change??

I was wondering what's wrong with your tier system!

Already bought your wallet and I love it fits in any size bag. Learning a lot from your videos! Thank you so much!!!

@TheCreditShifu

5 жыл бұрын

Thanks for the business, glad you like it!

I have 3/24 right now I really want the CSP and PRG but idk witch to go for first. Any solutions?

@renshawjoshua

5 жыл бұрын

Always go after Chase first if you are under 5/24