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@dogbluemexican

Жыл бұрын

Do I need to open a bank account with u.s bank to have a chance of getting approved for this card

@MarkReese

Жыл бұрын

@@dogbluemexican - No, a banking relationship is not required. However, it may help.

@brucelaw8574

5 ай бұрын

Mark Did they pull Experian for your business card as well ?

@MarkReese

5 ай бұрын

@@brucelaw8574 - Yes. Watch this video starting at 13 min 17 sec: kzread.info/dash/bejne/gK6f3K6FYdbVqbw.htmlsi=dZSSTH9_9s2cUKY-&t=797

Maybe they looked at 40+ credit accounts and determined that maybe…just maybe… he has…enough. 🤷‍♂️😵‍💫

@nubianpwr

Жыл бұрын

Lol😃

@MarkReese

Жыл бұрын

😬

@keilrafdahl

Жыл бұрын

As long as you manage it well, it doesn't really matter.

I appreciate your approval and denial videos. It really helps the rest of us who've dealt with both. Many thanks, Mark, love your channel.

@MarkReese

Жыл бұрын

Glad to hear it, Shaun!

I’ve worked for US Bank in the past and can tell you I’ve never seen them transfer available credit on one card to another. This has always been a hard no, and looks like it still stands that way. I left working there about 4 years ago now. I worked there about 7.5 years.

@MarkReese

Жыл бұрын

Thanks for the insight, DanScoob! 🏆

@newagain9964

6 ай бұрын

hmm would it possible to request USbank to lower ur credit limit on a pre-existing card(s) b4 applying for a new card? so that way their risk is lowered in advanced (and in theory ur below their max credit amt).

This is why I don't mess with U.S. Bank yet lol. They're way too strict in my opinion. I'm sorry to hear about the denial but there will be many more better cards to come!

@ImStillStealingSteel

Жыл бұрын

I love that the keyword u put was “yet”. 😅

@ayamaikarim

Жыл бұрын

I do not know any one who can match Mark with the number of credit cards he has even though he closes many at the same time.

@SpencerJohnsonOfficial

Жыл бұрын

@@ImStillStealingSteel Haha true!

@SpencerJohnsonOfficial

Жыл бұрын

@Shawn Agreed!!

@MarkReese

Жыл бұрын

Yet...so a U.S. Bank card may be in the future of Spencer Johnson 🏆

Thanks for having the courage to post this- especially the actual moment! it happens to all of us, but not everyone is willing to admit it, much less publicly.

@MarkReese

Жыл бұрын

You bet!

I recently paid off my vehicle and the following month both Transunion and Equifax scores both dropped 8 points.

@Theturbobooster

Жыл бұрын

Uh

@MarkReese

Жыл бұрын

Yep makes sense 🤙

One of the most informative content creator in the credit card community. Great video!

@MarkReese

10 ай бұрын

Thank you!

Hi Mark! They sent me a rejection letter, but turned around and approved me for a US Platinum Credit Card. I received this card a week later.

@MarkReese

2 ай бұрын

Congrats on getting the denial turned into an approval! Enjoy the new card 💯

"No, Jeff". Damn that hurts.

@MarkReese

Жыл бұрын

On to the next 😂

@newagain9964

6 ай бұрын

bruh. u cant take this stuff personal....unless u been banking at same credit union for YEARS and apply for a loan and they deny you.

I like how the CS agent made the most emphatic "No". Like transferring credit from one card to another is not something that people do ALL THE TIME! This is why banks with great credit card products can't ever compete in the big league because of stupid nonsense like this 🤣. Thanks for the 🔥US Bank tips Mark!

@MarkReese

Жыл бұрын

And perhaps those banks don't want the (drama?) that comes with being in the big leagues 😆 Easy for us though...just take our business elsewhere!

You’ve perfect credit they should cater to people like you 🎉🎉🎉

@MarkReese

Жыл бұрын

Credit decisions go well beyond a good score.

Sucks you got denied but you know what this just means that spot can go to a better card that may come along!

@MarkReese

Жыл бұрын

Indeed!

Citi ALSO does not allow moving available credit. Chase is very agreeable to moving credit lines.

US Bank and Barclay require velocity on their cards. I mean like before I apply to either, I make sure I am using their cards almost ever day for at least one FULL billing cycle/ 40 days. I do this while keeping an eye on the when the bonus is expiring.

@MarkReese

Жыл бұрын

Good point, esp. with Barclays. Not sure how important that is for U.S. Bank, but regardless, I've been using my existing Altitude Reserve regularly.

Banks are more restictive on credit card approvals because the economy is slowing and credit card defaults have incresed since March 2023.

@MarkReese

Жыл бұрын

Could be a part of the reason!

That is what a hard denial looks like. love it. you are so witty

@MarkReese

Жыл бұрын

😁

Funny datapoint, I got approved for the u.s. bank altitude reserve and triple cash on the same day, each with a 15K credit limit. Since I haven't used the triple cash hardly at all after the bonus, my credit limit was changed from 15K to $500 I just noticed.

@MarkReese

Жыл бұрын

Interesting, thanks for sharing this! I too got an automatic decrease from Capital One.

@jt2428

Жыл бұрын

Wow they can decrease your credit line just for not using it sheesh! :( I would be so mad

@butterfly-pf8lj

Жыл бұрын

@@MarkReese Hey mark do a video on why capital one are decreasing peoples credit limit. They are doing it too a lot of customers

@MarkReese

Жыл бұрын

@@butterfly-pf8lj - No plans for a video on that topic. It's not just Capital One and has been a common practice in the industry for years.

Love the transparency! They are losing out on a lot of potential customers that’s for sure!

@MarkReese

Жыл бұрын

Glad you enjoyed it!

@newagain9964

6 ай бұрын

US bank doesnt want to have a large cc portfolio tho. they want hard assets like houses and cars to be financed thru them

Ouch I feel you Jeff the “decline” letter is always painful for me better luck next time you should do the unboxing for the Wells Fargo Choice card we would like to see that

@MarkReese

Жыл бұрын

Onto the next! No unboxing video for the Choice Select ✌

@Ok21111

Жыл бұрын

@@MarkReese yep and I just got approved for the Citi Premier Card today all thanks to your lessons Jeff thanks🙏

@MarkReese

Жыл бұрын

@@Ok21111 - Heck yeah, congrats! 💥

Some of these banks are annoying to deal with. I got denied a citi card last week basically because I had too low of balances or zero balances on too many credit cards. Well no shit, I made sure they were paid off to get a points boost before applying for the card lol. So basically I have "too much" credit in general even though not with Citi. That's ok though, I got approved for three other cards on my list that same day woot woot!

@MarkReese

Жыл бұрын

The rules in this game are crazy. Congrats on the other approvals!

sorry about the bad news but hey those are the breaks I'm sure you'll get something great in the future!

@MarkReese

Жыл бұрын

You bet! Fortunately, the U.S. credit card market has thousands of others to choose from 😂

Hey Mark, I think this card deserves a refreshed review now that it has a little bit of priority pass, travel protection, and smart delay added

@MarkReese

Жыл бұрын

Yep definitely good updates. For now I have a pinned comment on my old review video about the changes 👍

I’ve never had any prior relationship with US Bank, but I’ve opened 2 new credit cards in The last 5 months (Total 6 in last 2 years) I just applied for the connect and got approved for 2k Even though the limit is low I’m excited to have it especially because I know US Bank is picky about not having any type of other products besides their credit cards

@MarkReese

Жыл бұрын

That's awesome, congrats!

Ahhh Sorry this happened to you Mark. It sucks. Last week, I got denied C1 VX. It was first time being denied since I started my credit card journey about 4 years ago. I knew at some point it will happen but man, it was a bummer. Especially with C1, with a lot of data points out there with strong credit scores getting denied. But still. I'm still sad about it. Credit scores about 790 in all 3, 2 car loans, 15% credit card debt, 15 total credit cards and 5 new cards since Jan 1, 2022. But I feel better slightly that knowing even someone like you sometimes get denied who knows these credit card rules much better than I do. Thanks for this honest video. I love and (sometimes hate...well not really lol) these credit card games! LOL

@MarkReese

Жыл бұрын

Welcome to the game, it happens to us all! 😬

I just got approved for this card with a $500 limit. I was stunned 😂

@MarkReese

10 ай бұрын

Haha congrats! 🏆

@LouThaEnergy

10 ай бұрын

@@MarkReese Thanks! Now I’m out of the game again.

I think my response would’ve just been, “perfect, then let’s cancel all my accounts with you and end our relationship”. US Bank has annoyed me multiple times in the past even rejecting I think a checking account application lol. Annoying bank for sure

@MarkReese

Жыл бұрын

Haha nah. Since I like my Altitude Reserve card, that would just be an emotional decision resulting in self punishment 🤙

@crxracer805

Жыл бұрын

Annoyed you multiple times and yet you keep coming back for more 😅

@MillisConstruction

Жыл бұрын

@@crxracer805 no I cancelled all my accounts with them, if they don’t want my business then so be it. Chase and Amex do

@crxracer805

Жыл бұрын

@@MillisConstruction Cool

I died when she said 'no jeff.' LOL so lammeee

@MarkReese

Жыл бұрын

😂

I have been laying low and gardening ~~ 3/24 and staying strong ~~

@MarkReese

Жыл бұрын

Impressive 🏆

@callmeNeno

Жыл бұрын

@@MarkReese muchas gracias

@kevinManhattan

Жыл бұрын

Stay strong brother. I need to do the same and stop watching youtube videos. Everytime I watch youtubers talking about the new welcome bonuses, I just want to apply them all! Hence 7/24. Ugh!

@callmeNeno

Жыл бұрын

@@kevinManhattan yeah i feel awesome right now being disciplined and command of my own domain. 🙏 thanks

Hey, they’re just missing out on a great customer 😤

@MarkReese

Жыл бұрын

😁

I got denied for the AR earlier this month, I was bummed. My reason for denial was too many inquiries. I had 11

@smithjb26

Жыл бұрын

If I recall, they really prefer a minimal amount of inquiries, like max 2. I waited and waited and applied when I got within their limits. Got approved for my AR several months ago. Also may help to open another account, like a checking account with them, to develop a relationship, which is something else I heard of and also did.

@MarkReese

Жыл бұрын

Bummer, but with a high inquiry account, it doesn't surprise me ✌️ At least you know what to improve for the next time you decide to go for a U.S. Bank card.

First Proudmoney got rejected, now Mark. US Bank has been watching YT cc videos and the jig is up on these cc KZreadrs. Who is next to fall?

@MarkReese

Жыл бұрын

😬

Thank you for sharing this with us. I got denied today for the first time because I had too many recent cards opened. I followed all of the protocols for reconsideration etc and no luck. I was pissed because a Chase rep said that I was targeted for the card offer and then after a hard inquiry I was denied. I complained to a supervisor who said she would look into it. Not holding my breath. However I should have known better because I have opened 4 business cards and 5 personal cards since December 2022. Keep up the great work! Thanks again!

@MarkReese

Жыл бұрын

Definitely frustrating. Remember that being targeted for an offer doesn't mean you'll be approved (also doesn't necessarily mean your approval chances are higher than typical).

I have been denied by US Bank 3x in my life. For some reason, they will just never approve me. Meanwhile, I have cards with Amex, Citi, Chase, Discover, Wells Fargo, CapitalOne and many others. I don’t get it? Haha 🤷🏻‍♂️

@MarkReese

Жыл бұрын

Crazy!

This is why I only have one card with U.S. Bank, the Cash+. Once I get the cards that I want through other issuers, maybe I will get another card through US Bank. I kind of have my eye on the new Shoppers Rewards card and the Altitude Reserve, but I can’t justify the annual fees at this time so it kind of works out for me. If I do get another card through them, I may have to lower my credit limit on my Cash+ card because it is rather high.

@MarkReese

Жыл бұрын

Smart move to pass on the cards if the annual fees don't make sense 👍

Super insightful. Thanks for sharing

@MarkReese

5 ай бұрын

You're welcome!

US Bank gave me $20,000 on my cash plus, definitely didn't need that for card. I'm just going to pay bills with. That's probably screwed me from getting the reserve now

@chags3512

Жыл бұрын

Do you have other accounts with them to get that?!

@TheAudioCzar

Жыл бұрын

@@chags3512 I have a checking account and the altitude connect

@chags3512

Жыл бұрын

@@TheAudioCzar gotcha. How long did you have your account before applying?

@MarkReese

Жыл бұрын

Maybe, maybe not. Could be worthwhile to request a credit line decrease.

You getting the US Bank Triple Cash under your social security number has nothing to do with Sole proprietorship. You got it under your social security number because you didn't file for a free EIN online. I'm a Sole proprietorship and I got my US Bank Triple Cash under my EIN. So you shouldn't equate SSN with Sole proprietorship. Get that connection unlinked in your head. They are two separate, unrelated things. That's like saying you drove you car today because you had on green socks.

@MarkReese

Жыл бұрын

Good point, I wasn't clear. In my head I wanted to say that the credit line was associated w/ me as an individual, so perhaps it was included into the count of how much credit I have w/ U.S. Bank.

I did not apply for a Barclays Wyndham card because of their 12 month rule. Instead I got the new Wells Fargo Choice Privileges Select MC. Groceries, gas, home improvement... nice categories.

@MarkReese

7 ай бұрын

What 12-month rule?

@fogrunr5075

7 ай бұрын

@@MarkReese They prefer you have no other new cards in the 12 months before you apply.

@MarkReese

7 ай бұрын

@@fogrunr5075 - I've not heard that...and I've also gotten approved without being 0/12.

Wow! The G.O.A.T. has been rejected! I guess you're human after all! Btw Happy 5/24 Day (May 24) Mark! Also if you had been approved for this card I was considering asking you if you were going to get the business version of this card but I guess since you've been denied for the personal version there's no reason to apply for the business version.

@MarkReese

Жыл бұрын

I definitely don't have a 100% approval rate 😂🤙 Happy 5/24 right back at ya! I was actually considering the biz version prior to applying for the personal version...and now I'm considering it again as a revenge application.

That was a pretty strong no from the reconsideration line lol

@MarkReese

Жыл бұрын

😬

Damn, that was a hard ass rep. You should always hang up and call again for a dude. The guys are easier to convince in my experience, but there are mostly women working those phone calls

@MarkReese

Жыл бұрын

Haha I just decided to move on, mainly because I've never heard of U.S. Bank allowing credit line reallocations to open new accounts.

I had this with US Bank, they allowed me to move a credit from Radisson Business card to Radisson personal card.

@MarkReese

Жыл бұрын

Thanks for the data point, Yuri! Was that credit line reallocation in order to open a new Radisson card?

@yurig2530

Жыл бұрын

@@MarkReese Yes, it was.

US Bank refused to move credit from one of my cards to another existing card.

@MarkReese

Жыл бұрын

Thanks for the data point 💯

Hey Mark, Do you know one way you can actually get approved but takes time and does not have a signup bonus. Trust me when I say this...wink. You can apply for secured card and do a product change upon graduation. US Bank is one of those issuers that is extremely lenient on secured cards compared to their unsecured ones and it is a powerful backdoor way to get a card by US bank even if you have a long credit history and high 700s account. The secured card is meant to for people building credit or recovering credit, but for people with excellent credit, this strategy is a powerful backdoor.

@MarkReese

Жыл бұрын

Great point about using the secured card route, Gurnaj!

US Bank won't allow you to reallocate credit like Chase and Amex will US Bank is definitely a goofy bank to get approved with

@MarkReese

Жыл бұрын

It's time for them to start allowing that 😁

Great Video Mark as always👍👍👍👍

@MarkReese

Жыл бұрын

Thanks!

Couldn't you just product change from one of the other 2 personal cards you got with them ,or the other 2 are better than this one

@MarkReese

Жыл бұрын

I may have been able to product change my Altitude Reserve to the Altitude Connect. But I have no interest in doing that. Reasons = (a) no signup bonus and (b) I value the Altitude Reserve a lot more.

I was denied 1 year ago. But I don’t have credits card with them

@MarkReese

Жыл бұрын

Denials are a part of the game 😬

All these banks are getting strict

@MarkReese

Жыл бұрын

😬

Why not close accounts since they stay on for 7 and 10 years. Free up some so you're less likely to be rejected?

@MarkReese

Жыл бұрын

Because I either still... - Value the rewards - Value the benefits - Value the hands-on experience with the card products & their portals to better answer people's questions & create educational videos. That said, there are some cards I may cancel, but I don't see that changing the outcome for an application with U.S. Bank.

I applied yesterday but didn’t get an answer only we’ll send you a letter with the results…. Is that a No? They pulled from transunion and my credit good.

@MarkReese

2 ай бұрын

It means more time is needed to make a decision by an underwriter. It could go either way. Good luck!

Awesome vid!

@MarkReese

Жыл бұрын

Thanks!

Chase at one point said Inhad maximum available credit...so I suggested what you did...they said no. I said I don't understand if I have maximum available credit wouldn't that be it...then they explained 5.24 so US Bank could be something like that. You know more to it

@MarkReese

Жыл бұрын

Were you actually above 5/24?

@FinanceNation

Жыл бұрын

@@MarkReese I didn't calculate it. I was newer to the credit card game and just chose to garden

I have had two rejections this year….Chase Ink due to 5/24 and the Wyndham Earner Business recon line said because it was only a month after two other Barclays cards…..then applied for Amex Gold and got approved as well as the Bilt card same day so I don’t feel so bad 😂

@MarkReese

Жыл бұрын

Haha nothing like getting 2 approvals after 2 denials, congrats! 💥

@joeyleerobbins

Жыл бұрын

@@MarkReese Yes sir! Thank you!

I hate this process. I've never been denied for a credit card until I started applying for points rewards cards. My credit score on all 3 bureaus is over 800. I have zero debt. I have substantial net worth. And yet I still get denied. So I started applying for business cards, I got the chase business ink. No ding on my credit score.

@MarkReese

Жыл бұрын

There are definitely a lot of rules in this game 😂 Congrats on the Chase Ink approval!

11:09 🤣🤣🤣. I already knew that was going to be on there by just reading the title of this video. This is why their should be a section on the application titled “check yes or no if your a super awesome KZread content creator who’s amazing at managing credit cards and will promote our credit card products on your channel?”

@MarkReese

Жыл бұрын

Hahaha indeed! 😂

My credit score is 830 out of 850, and my application just got denied lol I would love to hear an explanation from US Bank! Great video btw👍🏻

@MarkReese

11 ай бұрын

Ah that's frustrating 😬

US bank is surprisingly fickle.

@MarkReese

Жыл бұрын

😬

@ 0:53 Liked "Let's get things started"

@MarkReese

Жыл бұрын

💯

Really no point in having so much credit and not using it to make more money

@MarkReese

7 ай бұрын

That tends to be viable when you have 0% APR offers.

Wow you paid all your accounts in full 😢 and got denied if it was me I would have said uhh remember my name it will be the last time closed all of my us bank accounts now😅

@MarkReese

Жыл бұрын

😂👍

You already have the two US Bank cards I want (Reserve/Cash+)so I’m kinda glad they denied you because now your just getting greedy🤣🤣🤣.

@MarkReese

Жыл бұрын

😂👊

I managed to get the altitude go and I’m happy I got it lol every other USB card is nice but I don’t want to risk another pull

@MarkReese

Жыл бұрын

Great card, congrats on the approval!

I don’t get denied by Women or Banks!

@MarkReese

3 ай бұрын

😎💯

Better luck next time mark

@MarkReese

Жыл бұрын

Thanks Aaron!

My jaw dropped when i read the title, i was like whattttt?? That’s crazy

@MarkReese

Жыл бұрын

😬

USBank is known for the 2/12 rule.

@911eVoX

Жыл бұрын

There are tons of data points with conflicting information.. hard to tell what exactly they are looking for. Seemed like they denied Jeff for overall credit issued

@louis2you

Жыл бұрын

@@911eVoX could be.

@MarkReese

Жыл бұрын

I haven't seen enough data to support that. That also wasn't the reason for my denial.

@louis2you

Жыл бұрын

Yes well , USBank will not say that denial is by 2/12 rule like Chase will not say 5/24. But being that you have a prior relationship with USBank I would not be able to pinpoint the reason apart from the letter that you received.

@KingGreen78

Жыл бұрын

Uhm, I'm not sure about that,i opened 5 cards in 5 months,and then opened the altitude go on the 6th month and the altitude reserve on the 7th month

I have the U.S Bank Altitude Go card. I got it almost 2 months ago. It’s a small limit of $500. I have put serious spending on the card and have already reached the $1,000 spend reward bonus in 90 days . It took me last than a month to reach that goal. I would like a bigger credit line. When should I apply for a credit line increase???

@MarkReese

Жыл бұрын

Sounds like you can request a credit-line increase whenever you like! I personally like to wait ~ 6+ months. That said, be sure to ask if a hard pull will be performed. If yes, then you'll have to decide whether it's worth moving forward or simply applying for 2nd U.S. Bank card w/ a welcome offer.

Hey Jeff, thnx for that video, would it work if you'd cancel one of your current cards to get approved of the new card?

@MarkReese

Жыл бұрын

Potentially, but there's not a guarantee of that. I didn't want to cancel a card & lose that credit line and then also get denied for a new card.

Try as I may, and try as I might, US Bank denies me I'll show them some fight!

@MarkReese

Жыл бұрын

😂👊

Ya USbk is 1 tough cookie to crack. I’ve tried & denied. I can’t even open a deposit acct with them. I’ve heard you have to garden for a full year with Zero inquiries & no new accts & have a utilization below 5%.

@MarkReese

Жыл бұрын

I can't substantiate that as I've gotten approvals for U.S. Bank cards with inquiries & new accounts showing within a 12-month period✌

Is you overall credit age above 5 years? They can deny based on any of those factors you got on the letter.

@MarkReese

Жыл бұрын

See 11:16 in the video.

Love the Vid👍🏾

@MarkReese

Жыл бұрын

Thanks Glenn!

curious what your total credit to income is. I am about 60% line to income including elan. remove elan about 40% and still get approved. They can see my elan cards on recon.

@MarkReese

Жыл бұрын

I haven't calculated that. I'm also not sure if banks look at that metric across against only the credit they've given you, or against total credit from all issuers, or both.

@kcihtred2

Жыл бұрын

@@MarkReese I have run total limit when lol/24. Canceling 20+ cards across many issuers in a day was interesting.

I apply for the SavorOne card got denied, call recon still rejected :( So, my next target is US Bank Reserve card, this will be in 4th quarter of this year.... currently building up a reserve with them to help with the odds of getting the card. Sometimes it is a tough game to play so now until the 4th quarter there will be no applying for "any kind" of credits. Inquiries suck.

@MarkReese

Жыл бұрын

Good luck on the application!

@theinternationalist1357

Жыл бұрын

@@MarkReese I think banks are not lending like before, probably need to show real meat, meaning large amount of cash park at their banks from saving to cd to investment products.

in new york they pull experian

@MarkReese

7 ай бұрын

In all cities?

They are fans of your channel obviously.....

@MarkReese

Жыл бұрын

😬

Don't feel too bad I recently got rejected by Chase. The number of recently opened accounts to my credit report was my downfall. They also said I had Limited installment loans. I don't have any house or car Payments. And to rub it in my face they said my credit score. Was 894? Thank you for the candid video

@MarkReese

Жыл бұрын

Rejections are part of the game 😄

Very instructive with regards to US Bank🤔👍🏾

@MarkReese

Жыл бұрын

💯👍

They did you a favor. Dumpster Fire of a Bank.

@MarkReese

Жыл бұрын

😂

Fuco 9 score 🤢

@MarkReese

2 ай бұрын

😬

I love your back ground. Do you really live by the ocean? or is it a picture. If so I like to buy one

@MarkReese

Жыл бұрын

Just a picture. I don't recall from which company I bought it; but "Ikonick" is one of the ones I've used before.

Us bank allow merge point of reserve ultimate and other credit card like altitude connect card?

@MarkReese

Жыл бұрын

It's my understanding that: - You can move points from the Altitude Go to the Altitude Connect (and vice versa). - You can move points from the Altitude Reserve to the Altitude Go and/or Altitude Connect. - You cannot move points from the Altitude Go or Altitude Connect to the Altitude Reserve (i.e. you cannot get the 1.5¢ per point value from the other 2 cards).

👍🏻

@MarkReese

Жыл бұрын

👍

Nooo😮😮😮 Boycott US Bank! 😂😂

@MarkReese

7 ай бұрын

Or...try again.

Yep

@MarkReese

Жыл бұрын

🤙

Installment loans in almost all cases involve interest. Agree with you on the silliness (and I would say a racket). Anyone who knows you knows that your accounts would have a recent inquires would be a good amount. What are you on active cards now? 51, 52, 53?

@MarkReese

Жыл бұрын

I haven’t counted lately, but somewhere in the low 50s 👍

Do those loans for 4-5 month payments with 0% interest for items in online shopping carts count as a loan for the credit score?

@MarkReese

Жыл бұрын

Per my understanding, the credit bureaus are collecting data for BNPL loans, but that data isn't yet factored into credit scores. Check out this article by BankRate: www.bankrate.com/finance/credit-cards/buy-now-pay-later-credit-score/

What about interest free planned payments such as w/ Apple, Samsung or Amazon if pay over time? I assume the carried balance is used against you. I try to keep a 3% closing date balance but even Apple w/ $20K, 3% is barely $600.

@MarkReese

Жыл бұрын

Financing purchases with credit cards will affect your utilization.

First 🎉

@MarkReese

Жыл бұрын

Marquis won this time 😁

They're monitoring your call under the guise of quality assurance!

@MarkReese

Жыл бұрын

😬

While applying do they do soft pull or hard pull of credit score? I didn't see an option for pre-approval process? And whats the ideal credit score they look for like - 750+ ? mine is just 720 :-(

@MarkReese

11 ай бұрын

1. The application will be a hard pull. 2. No pre-approval process that I'm aware of. 3. Credit score requirements are not published.

Maybe it’s a sign. Time for you to leave the game.

@crxracer805

Жыл бұрын

Shots fired 😮

@williamlinden732

Жыл бұрын

Leave the game, NO! Leave US Bank, maybe!

@MarkReese

Жыл бұрын

What if...I never started the game? And none of this actually happened? 😶

@berryzedzero

Жыл бұрын

@@MarkReese bruh you're so deep in the game, you don't even know where you are or how you got there. I've been there before. What they don't tell you is you can leave at any time.

You should include the projected income of your future wife.

@MarkReese

Жыл бұрын

😂

First

@MarkReese

Жыл бұрын

🥇

Good video like details on other cards than chase & Amex those cards are to easy to get so I stroll pass those videos

@MarkReese

Жыл бұрын

Glad you found value in this one 💯