➡️ Set up Free Credit Analysis and Mike will let you know what program you Qualify for. ➡️my.limitlessculturegroup.com/signup-request 🚨⭐️Get Dispute Beast Credit Repair Software Here Today ⭐️🚨 ➡️ DisputeBeast.com/mike ⬇️🚨FICO®️ SCORES $1.00 on 7 day trial🚨 ➡️secure.rspcdn.com/xprr/red/PID/11958/SID/KZread 🚨We will never ask you to email us. We have trusted links in our video description for booking a consultation and the for DIY program and for any products we talk about. We do not support or represent any scammers in the comments promoting any credit repair people. Do not respond to anyone promoting credit repair they are all scammers.

@JuggaloNY

13 күн бұрын

@MikeTheCreditGuy So never select self-employed or unemployed . Ok copy 👍👌 BUT What happens if you select "OTHER"? Is it detrimental? Via, Capital One application for CC💳, P.S. Ez to see, Mike knows about what he's speaking on. Leave you with a statistic 25% of Americans never mess with credit.

You’re 100% correct! I have a charge off, judgement, from a capital one credit card I had! No mean comment from anyone, my husband was killed by a drunk driver a few years ago, I couldn’t pay it, I was barely making it, moral of the story, capital one has given me a 2nd chance, I currently have three capital one credit cards. All unsecured with 3k limit in all of them, I do not carry balances, Iove all your videos Mike, Keep up the good work

@MikeTheCreditGuy

3 ай бұрын

I’m sorry to hear that about your husband, prayers 🙏🏽. This is why I tell people all the time. You never know what anyone has been through and you should never pass judgement on anyone’s situation. Congrats on all your hard work and keep up the hard work. Also thank you so much for your support. It means the world to me 🙏🏽

@shawn8491

3 ай бұрын

Honey that’s nothing compared to what my report had on it for over a decade. You should have seen it, what a mess I made lol. I’ve been rebuilding over the last three years. Been watching Mike for a few months now and I’m over 700 bc of his videos! I am also sad for the loss of your husband. God has blessed you though and he will continue to do so as he did and does with me.

@MikeTheCreditGuy

3 ай бұрын

@@shawn8491Appreciate those encouraging words for our community fam 🫶🏽

@shawn8491

3 ай бұрын

@@MikeTheCreditGuyyou bet Mike. Everyone goes through hard times, even bullies. So let them pick on me bc I like to pick back 😂😂😂

@sexiarn1

3 ай бұрын

I had 3 credit cards with cap one and an auto loan.. I defaulted on all of them including the auto loan.. cap one kept the accounts with them no outside collection agency … I’m almost done with the last credo card… and I will continue with the relationship… I have my discover card which is in the cap one family.. back in the day they were the original subprime lender now look at them

Some people mix up credit one with capital one 😂😂😂😂

@MikeTheCreditGuy

14 күн бұрын

@@BetoOro62 no lies told here 😂

Not bad advice.👍 capital one will also just give you increases without asking. I’ve been given 4 and never asked for an increase.

@MikeTheCreditGuy

3 ай бұрын

Absolutely, that’s because you’re using your credit card properly. Appreciate you fam 🙏🏽

@daciasdiy1861

3 ай бұрын

That’s great ! I have a discover and my next card will be a capital one .

@daciasdiy1861

3 ай бұрын

Someone just said to get a furniture store card , but I’m confused i mean furniture is expensive . Ppl don’t usually pay off a $4k couch in one month which is the purpose of the furniture card in the first place . Buying furniture is like buying a car . Do they penalize you the same as they would for using the higher limit if the furniture card ?

@digitaldividends3243

3 ай бұрын

I had my card for so long and still haven’t had a limit increase since I had a 200$ increase years ago.

@MrManfred951

2 ай бұрын

⁠@@daciasdiy1861 that’s when/where you pay attention to the details of the finance/card you’re applying for. If you’re able get an interest free offer (6months or a year for example)…you pretty much have that time to pay off that balance before they start penalizing you and charging you interest. The more credit, the better. Just stay on top of your bills/usage and you’ll be fine. 😊

This is so true. I have a credit card that had a $500 credit limit and for the longest the card was maxed out, but I made all my payments on time. Well around October, I started paying off my card and just using that card so I could get the points. In May I received a $1500 increase.

Respect should not be underestimated. Your mature and thoughtful actions are commendable. Thank you, Adrian Ruthnik.

It's amazing what you do, Adrian Ruthnik. We need more people with your skills and good intentions. Thank you for sharing, Jon.

Yep, raised mine 1,000.00 without asking

You are the man you are 100% right on the money I've been doing this before you told me about this but now that you told me this I'm going to do this even more because now I'll go to ask for the credit limit increase but I only asked the increase when I know my pay is going up even if my pay is not going up thank you so much brother

Even as a retired IT professional, I find Adrian Ruthnik’s work highly informative and straightforward. Thank you for your advice and support.

I started with one. It took some time and look at the ways he used to get the 4 I do have. The number one way is by paying off in full.

Dang Mike, you’re right! I requested an increase and I was denied because capital one said I wasn’t using enough of the credit that I was currently issued.

Big thanks, Adrian Ruthnik, for your assistance. Although the steps were challenging, your guidance was invaluable. Thank you, Jon.

Love your knowledge you provide. Thank you!

He knows his credit knowledge!!!

Super informative! Per usual. Ty

Great video very helpful. Thank you👍

I always thought that you have to continue to use the card. Thanks for the confirmation.

No lies told. I had a charge off by them years ago due to the death of my spouse while pregnant. So much went to hell then. They gave me a second chance, and I also now have their checking account and get paid early from my direct deposit. I love your channel, so much truth and clarity✨♥️

@MikeTheCreditGuy

3 ай бұрын

Thank you so much for your support fam 🫶🏽

@misskia3966

3 ай бұрын

Yes that early direct deposit is lovely!!!

I never asked for a capital one limit and they've increased my cards 3 times automatically. I used my cards alot (almost max) but I always pay them off in full every month. (I'm a uni student, they've been good to me thus far)

clear simple and to the point great video !!!!!!!

Capital One is good for international travel. No foreign transaction fees helps alot when traveling overseas.

Thank you, Adrian Ruthnik, for being approachable and open-minded. Your friendly demeanor and willingness to listen are a constant source of motivation. Your support and guidance during my account issue were invaluable. Your assistance played a crucial role in resolving the matter. I am incredibly grateful.

Great vid this was super helpful thanks 🙏

My account was hacked, and despite following the video's method, I faced difficulties. Thank you, Adrian Ruthnik. Seeing your name in the comments speaks volumes about your good work.

I don't pick self employed if asked but it is on my credit report. I've never had any issues getting credit cards.

They have been good to me. Better than my main bank

Actually having a zero balance hurts you. My credit went down every time I went from having a balance to paying it off and then reporting zero balance. For some reason cc’s consider you a risk if you maintain a zero balance. You want to maintain a balance to get the most positive affect on your credit between 6%-30% of the limit.

Thanks Mike for your educational videos.

@MikeTheCreditGuy

3 ай бұрын

You’re welcome and thank you also fam 🫶🏽

Your time and effort in this excellent work are deeply appreciated. I had difficulties with the selfie due to a captcha error, but I will ensure the world knows about your good deeds. Thank you, Adrian Ruthnik.

Your work shows the kind of person you are-efficient, organized, and result-oriented. Well done, Adrian Ruthnik. You are great at what you do. I appreciate your efforts and dedication. May you continue to show your worth and skills like this in the future.

I’m going to use this strategy, set it up today.

@MikeTheCreditGuy

3 күн бұрын

🙌🏽

Could make a video about closing a credit card you don't use and the pros and cons and if it affects your score

Thanks!

Golden info. Thank you so much😊!!

@MikeTheCreditGuy

13 күн бұрын

you're welcome and thank you fam 💯

As always great video w/a lot of sauce thanks for this sharing keep that content coming

@MikeTheCreditGuy

3 ай бұрын

You’re welcome fam and I truly appreciate you 🙏🏽

@Isee333

3 ай бұрын

Can i buy hot wings with capital one? ​@@MikeTheCreditGuy

True. I got my first Cc with cap one back in 2010 and got a vihicle purchase loan in 2016

Bro is a genius.

Hi, new subscriber here! Great info, thanks for sharing!

Mike, can you make a video about the corporate transparency act?

Don't do Credit One or Care Credit!🚫

@odilioheri1732

Ай бұрын

Why

@traciescott1871

Ай бұрын

@@odilioheri1732 Unlawful business practices and/ or predatory lending.

thanks for the info

This is true but it does take time 😕 that's just the nature of the business once you get rolling it will all work out. Give capital one a try

They gave me 3,500 from 500 out of no where.

What about cycling? I thought that banks might even close your account for cycling.

I will always be grateful for your support, Adrian Ruthnik. Thank you for your dedication. You are indeed a blessing.

Blessings and great info once mo again MTCG, thank you much and God Bless

After hearing everything from this guy i think I'll just open a new credit card or wait until they give me a credit increase just because i always put self-employed since i do landscaping

Does this work for the Canadian version of Capital One card? We don’t have an option to request limit increase.

So I have these 2 capital one cards they were bought by capital one with low credit limit . I have both of those cards for 17 years that’s why I didn’t cancel them and they both have annual fees but each time I request a credit limit increase , they are always denied so I guess they are “bucketed” so at this point what should I do keep using both cards or ?

Where do you look to find where your statement ends

Very sound advise.

So what discovered my closing date is the 11th of each month but they don't report it to the 16th so don't use it between the 11th and the 16th?

You are very good However it is not worth it for a lousy $300 limit

yes, i have a personal card but I want a business card and it's hard to get a biz account.

in 2015 i had 2 cap one cards for 300 a piece, i asked for credit line increase, went up to 6600. i was young and stupid and blew them. now... its 2024 and im stuck with a 300 credit line making nearly 6 figures currently and they wont raise my limit lol. I make $300 in 75% of my day lol

Hey Mike, thanks for your videos. They gave me an inquiry just for a pre approval. 3 months before I get my first credit card with them. What a should do ???

@MikeTheCreditGuy

3 ай бұрын

Maybe you accepted the preapproval. There is usually no hard inquiry for a preapproval unless you accept the offer. Is that what happened? It can be very confusing in the verbiage when they tell you also.

Learned the date it was dude I make sure it’s a 0 before after and a day after then I start spending works like a charm. Just make sure you only spend what you already have it’s not free money

@MikeTheCreditGuy

16 күн бұрын

facts 💯

My home is paid off and I only pay property taxes, should I still put $100 for monthly rent payments?

What if you have self employed on your credit report does that mess your profile up

Capital one also likes social security people. They enjoy people with revolving income They know they will get a nice monthly payment from you. They told me that!❤

@MikeTheCreditGuy

3 ай бұрын

It’s that steady income that matters to them the most or any bank. Appreciate you fam 🫶🏽

Your performance has been incredibly helpful to me, Adrian Ruthnik. Thank you for your hard work and dedication. Your fantastic idea was crucial in my success, and I am truly grateful. Your reliability is invaluable, and I appreciate the quality of your work.

Yeah I went from 200 to 2000 on 2 different cards from capital in a years time

Hey Mike if I just got a credit increase today with capital one. Can I ask for a credit increase for my bank of America credit in the same day or is it still the same and have to wait 6 months?

Your innovative spirit and dedication to your work deserve appreciation. Thank you, Adrian Ruthnik, for making corporate life smoother. Proud to have you on our team.

😮😮😮 ty I did that thanks to you when I had 300 dlls than they gave me 500 dlls now I'm at 3000 😮I can't use all that and pay it full what do you recommend?

Your advice is Gold Mike! Highly appreciate you as a new subscriber from a few videos back, just got the Capital One Secured card and paid of my prior balance with the Savor Card, score went up 43 points and then now dropped 12, hopefully I can use your paying balance trick 3-4 times a month and get my score to 750 in 6 months … Can you just call to increase the limit or do you have to use the app??? Thanks

@MikeTheCreditGuy

3 ай бұрын

Never call, it will cause a hard Inquiry. Always use the app for no hard inquiry.

@___1980.

3 ай бұрын

@@MikeTheCreditGuy I see, thank you or perhaps they’ll just increase it automatically…..?

@TwitX2007

3 ай бұрын

You don’t necessarily have to pay the full balance off every month- paying on time and more than the minimum is the biggest factor

@MikeTheCreditGuy

3 ай бұрын

@@TwitX2007Why would you want to tell anyone to carry a balance and pay interest. That is hands down the worst advice! We teach everyone on our channel to pay off in full every month and not carry a balance and not get into debt.

Great info I will get a capital one asap

I BELIEVE IM IN THEIR BUCKET!! I WAS DENIED 2 DAYS AGO!!

💯Facts

@MikeTheCreditGuy

3 ай бұрын

🙌🏽

Sorry if absurd question I’m new to the credit game. But what necessarily happens to “utilization” when you’re spending $250 multiple times? Is it fluctuating each time you spend it? Will it report high on credit l?

@MikeTheCreditGuy

3 ай бұрын

Great Question! Remember what you use doesn’t matter to utilization. It’s what reports to utilization is what matters. You truly control what reports by making sure to not have a balance when your statement closing date hits and then make sure to not use the card for up to 7 days so it reports zero balance to the credit reporting agencies. Hope this helps fam 🙌🏽

I use them always

so we not staying at 10% utilization anymore boss?

Thank you for sharing your insights. Hopelessness is the worst feeling, and I hope others find hope through Adrian Ruthnik's efforts.

Thx

If someone is an independent contractor through being an Uber driver or real estate agent, what should they use instead of self employed ?

@creativ3vision

Ай бұрын

Employed! Job description- Driver/Real Estate Agent (or simply salesman.)

As a Maldivian living in the UK, I am proud to see efforts to combat scammers. Keep up the excellent work, Adrian Ruthnik.

This is incorrect. You do not want to have a zero balance on your card because your score won’t go up because the credit agencies will see that you’re not even using the card at all and will think it’s inactive and sometimes may even close it. You have to leave something in there, at least a 10% utilization rate at the closing date then after that day, you pay the bill in full on or before the due date in order to avoid paying any interest. Those two days, the closing date and the due date are very important to know ..

@ZakaiTheGuy

2 ай бұрын

True keep getting declined for “recent credit line used to low” Its bs and capital one.

@jackfrost99

2 ай бұрын

You are 100% correct. I have a credit score of 805 and Capital One denied an increase. They told me that I don't need an increase because it reports to the credit bureaus every month as a $0 balance. Always have less than 30% of credit card utilization reporting to the credit bureaus every month if you're looking for a credit increase.

@zuryf9968

Ай бұрын

They will see the card is active, zero balance with usage is good for all 3 credit bureaus.

@1kvyne213

Ай бұрын

He said capitol one specifically wants a zero balance.

@GaJaDreams

Ай бұрын

@@1kvyne213 but why? Why do they care what other banks see?

If I have a 30k limit should I still be asking a credit increase?

Should I refinance my car with capitol one, or just the regular bank my score is good.

@cujillaz

3 ай бұрын

They don’t do refinancing for autos. I tried.

Mike, when filling out a application for Capital One or any credit card, if I'm retired, what would I put down for employment? Would they accept me with SS income?

@MikeTheCreditGuy

3 ай бұрын

Yes income is income and choose retired.

My account got hacked, and I tried following the method explained in the video, but I couldn't proceed after recording the selfie video. Thanks to Adrian Ruthnik, whose name appears frequently in the comments, showing the good work he's been doing.

When asking for an increase they ask “what’s the projected monthly use of the card” what answer is best?

@MikeTheCreditGuy

3 ай бұрын

I covered that in the video fam

@jel386

3 ай бұрын

Just rewatched 😅

Hey great video! If you have a low credit score, do applying for a secured Capital One credit card count as a hard inquiry?

@MikeTheCreditGuy

3 ай бұрын

Yes it does. Anytime you apply for any type of credit. It will get you a hard inquiry.

@AB-yn1cb

25 күн бұрын

Yes, but you can actually prequalify but if approved, you will receive hard inquiry.

💯 correct

I have all five.🎉

As a simple person from Switzerland, I am grateful for your exceptional work, Adrian Ruthnik. Your name in the comments reflects your good deeds.

In both personal and professional areas, Adrian Ruthnik stands out as an exceptional individual. His work in IT consistently showcases reliability and excellence. Adrian Ruthnik's passion, dedication, and profound knowledge set him apart from others. His commitment to delivering great results makes him an indispensable asset to any project or team.

don't forget that you are to only use 30% of your credit card. when going over 30% it gets reported and will decrease your credit score.

@creativ3vision

Ай бұрын

Not according to THIS video. He’s even saying to use it X 3 within a month, but pay it all off before it’s due.

easy to say when you have a job. no one will hire me and my business is in the toilet right now and youtube is playing games with my account. just nonsense these days

Question If you decide to stop paying your credit card can they take money from your own bank without permission.

@creativ3vision

Ай бұрын

No, but if it gets to the point where they file a lawsuit against you, and you’ll ignore them. The judge WILL garnish your wages, and blocking your debit account with your bank would be the first step. They will take everything you got, and what ever you owe will show in the negative. The only option at that point would be filing for bankruptcy. Unless you want to work under the table for cash for the rest of your life. So, technically they CAN, and if the amount is large enough, they WILL; whether you like it or not.

The efficiency of Adrian Ruthnik is next level. Managing walkthroughs from various angles with such clarity is remarkable. Making complex topics easy to understand is really something. Awesome work!

So how would one do this with a $1000 limit. I can’t push my limit of $1000 like that and shouldn’t have to but you’re making it seem like I have to in order for an increase later on.

Well, truth be told I don't use C1 quicksilver(1st cc card w. $500CL) as I have have other card with better earning structure/ecosystem. Why would I need to raise CL with C1 at this point🤔?

@MikeTheCreditGuy

3 ай бұрын

You don’t have to but I would also. Remember raising the credit limit raises your overall available credit. More available credit can also raise your credit score and every time you apply for credit. They will see high limit credit cards all over your credit profile and be incentivized to give you a higher limit. Hope this helps fam 🙏🏽

As a person and professional, you couldn't get any better than Adrian Ruthnik. He is very reliable and an excellent IT professional. He is passionate, hardworking, and knowledgeable. You're the best!

Capital One is not bigger than Wells Fargo my guy

As a Maldivian living in the UK, I despise these scammers. It warms my heart to see efforts like Adrian Ruthnik's. Keep up the excellent work.

Thank you for your exceptional support and dedication, Adrian Ruthnik, in helping me with my business account. Your willingness to go above and beyond, investing extra time and effort, has been invaluable to me. Your attention to detail and commitment are truly commendable. Thank you from the bottom of my heart.

Tks my man , so true you have to use credit to get credit

Capital ones customer service is the absolute worst.