In America they could give 18 years old 1 million $ student loans but can deny a full grown working human a 5 k credit card. AND....you can file bankruptcy on credit card debts BUT not on student loans. Yub. Only in America...

@PokeCommunity1

4 жыл бұрын

Chris M the “chiniese men” got better English and grammatical spelling than you lmao sad

@leanator7

4 жыл бұрын

Bit late but when a student doesn't pay student loans, the government has to pay

@zabryant01

4 жыл бұрын

@Chris M that's a Vietnamese surname (that means last name is you didn't know) I'm a white male and know the differences stop being ignorant and calling Asians "Chinese"

@richmanwalking5965

4 жыл бұрын

@@leanator7 if you think the government pay student loan, you are a couple fries short of a happy meal my friend.

@renellbrenskill561

4 жыл бұрын

@@PokeCommunity1 🤣

That man said “I thought they meant the whole apartment complex for household “ 💀💀💀

@Nestor535

4 жыл бұрын

lmfaooooo

@edmandell3064

4 жыл бұрын

lol hilarious

@Shaneebug25

4 жыл бұрын

Michael Leon 😂😭😭😭

@kw6724

3 жыл бұрын

😂😂😂😂😂

He got denied for DISCOVER and a library card the same day.

@LovelyyAubrey

4 жыл бұрын

😂😂😩

@jamielittles6197

4 жыл бұрын

😭🤣

@kylerwilliams6228

4 жыл бұрын

Lmao. This comment made my day 😂😂😂

@opulentlntrovert1214

4 жыл бұрын

😭😭😭

@firexallst4rz277

4 жыл бұрын

🤣🤣🤣 yo I could only imagine that !

Good topic. I always tell people to include everyone in your household. Rather have 3 incomes pair with mortgages vs one income. Valuable

A lender actually told me a technique that helps and is considered acceptable, according to that lender. If you are married or share the expenses for a household, you should not put down your whole rent or mortgage payment. You only put down the portion you are responsible for. For example, if you are married and both of you work, you both are basically paying half. So on the application, you put down half the rent or mortgage when they ask for it since you are only responsible for half of it.

@palmtreewhisperer

3 жыл бұрын

Cool thanks !

@caroleappling2007

3 жыл бұрын

My daughter works for Chase, she said the same thing.

@ChaoSasuke

3 жыл бұрын

Lol no way ima keep putting down mine my brother mother and dogs 🐕 income lol 😂 never fails !! Lol 😆

@pattycarol5191

Жыл бұрын

You're correct

THIS is the kind of content I need. Thank you! I'm just trying to figure out credit cards and ecommerce/side income ideas at the same time, so I don't have a solid income figure to even put down! I'm working a part time and right in the middle of the struggle of trying to see if I can make it in any kind of internet passive-income venture. That's why it actually gave me a relieved breath in my lungs to hear Brian start out with "I wasn't making much money at all and was trying to figure out what to put down as my 'income' on paperwork". EXACTLY! I'm so relieved :D

They usually ask for how much you expect to make. As a student that means that I get to input all forms of financial aid as income, plus part time.

Good idea, I actually accidentally put a 3 instead of a 2 in my income years ago and I was approved for a better rate and a higher limit. I was thinking oh man there coming to get me and I’m going to be arrested. But it was fine... great advice and I love the energy and passion you put into your videos. 👍🏻

I have always lied. Hell when I got my first credit card at 18 I wasn't working at the time but put down that I was an employee with my dads company making 40k a year. ahahaha. I have never paid a penny in interest or any fee's. And I am proud to say that because I have high school friends who are already in credit card debt. Which I simply do not understand how people use money they know they can't pay back.

When he said "sice up" at 3:10 I knew he was from the DMV area lol

Mo County!! Just moved to Alexandria after living in Bethesda for the last 10 years.... credit score increased 200 points in the last 2 years as well as helped a few buddies out. thanks for the informative vids brotha

@Jungernaut

5 жыл бұрын

DMV baby! Of course man!!

@631knm

4 жыл бұрын

Clarksburg in the house!

I was shook when you said Rockville, MD. I've been watching your videos for minute now and I live up the street in Germantown, MD. Shoulda noticed it when you started using the DMV lingo haha. Great videos man!

In the UK, income is considered any money that you receive on a regular basis (whether it is taxable or not). As a clear example, our student maintenance loans are considered as a source of income because it is a loan that the state gives us. In fact, when applying for my first, I put my student loan (£7,900/$10,130) as my income and got accepted.

It was awesome seeing everyone from the group that are always active!! I should probably start putting a higher income to help get a better credit kind especially with financial aid.

Just the vid i needed,appreciate all the tips

@Jungernaut

5 жыл бұрын

Of course boss!

@jameltanderson

3 жыл бұрын

Brian Jung what about your rent amount? They always ask for that for credit increases too

I put $2k over of what my CURRENT income is at, at that time. I do this because I expect to get a raise every year.

Lie, children. It's the American way 🤷🏽‍♀️

@loriesavage8218

4 жыл бұрын

Lorie savage

@charlestilley2576

3 жыл бұрын

Works for our President!👍

@kristynabradley5994

3 жыл бұрын

Lol

@Theereelmee2

3 жыл бұрын

💯

@DONTCALLMETHAT

3 жыл бұрын

Lol right 😂

Crazy that you only had 11k subs in this video. Come a long way bro💪🏼

MAN I ABSOLUTELY LOVE DIZ VIDEO

I always thought that they checked anyway. So it never occurred to me to do that. I’m with the cat meme, lol.

@HearMeLearn

4 жыл бұрын

None of my applications have checked but I only fudge it a little

All I'll say is, if you're going to lie, keep in mind your age and what they would expect for someone in your age range to be making in the top 20%.

Just found your channel I love the energy Brian! God bless you man keep killing it, about to start my own channel!.

Love your channel bro. I see it’s really taking off.

@Jungernaut

5 жыл бұрын

Thank you bro!

I applied for my first credit card at a bank and the bank employee that was helping me straight up added $3000 to my income and told me it's fine lol

@_SeeYouSpaceCowboy

3 жыл бұрын

Based.

I'm glad I found this channel. I just recently started to give a s*** about my credit.

My mom taught me to lie on credit card applications lmao

@ChaoSasuke

3 жыл бұрын

Shoot mine too 😆 let’s go mom!!

If I include my scholarships, that’s 20k to my income. 😝😝 definitely putting it next time I apply.

Great video, just found your channel. I have subscribed. Thanks

@Jungernaut

4 жыл бұрын

Welcome!

MoCo represent! Probably live 10 - 15 mins from you, if not less. Good info. Instant sub.

Thank you!!

Great video Brian!!

Content is A-OK! 💪🏽

@Jungernaut

5 жыл бұрын

Haha thank you

Can you make a video on tax write offs

Congrats on getting so big so fast with your channel

Wow! I been doing this since when I was living check to check 1999! When you're broke you think of some creative ways to get out of it

I MADE IT FAM ✨💪🏻💯 Also @ students always put ur scholarships

@Lisa.M.J

5 жыл бұрын

I wish I did this when I was in college. I could’ve added thousands of dollars to my income. Oh well, you live & learn. 💯

Thanks to this video, I have re-applied for the credit card I failed the application for yesterday, but now I tripled my income and got the card. Sick

The keyword is algorithm. Check the medium income in your area. Remember, every system uses an algorithm.

It really comes down to your credit score at the end of the day. the higher the better

Answered my question exactly!

Lied forever. On auto loans, in store cards, bank cards, but not on land/home loans. Never denied

@MRKLSHAW

4 жыл бұрын

Auto loans usually require verification. How do you get around that?

@KCHURCH

4 жыл бұрын

@@MRKLSHAWi you have good credit you dont

@8806Erika

4 жыл бұрын

Home loans you definitely not getting away with lying if the lender or bank is smart lol buying a house they dig deeper into your business than anything. Can't hide much!

@jonathanwells8040

4 жыл бұрын

Erika Kane I’m a mortgage loan originator and this video makes me nervous 😂

@8806Erika

4 жыл бұрын

@@jonathanwells8040 hahaha!!! See, you know about the colonoscopy I had to go through to buy my home 😂 idk how I could even lie without getting caught!

I put down 800 a month social security on my Bank of America secured card. Got it with 99.00 down 500 limit. 8 months later unsecured. 6 years later it’s up to 10,500. Between all my cards is 35,000 so I never go over 10% utilization cause I don’t make enough to pay back. But hey 3,500 in case of emergency. I have American Express, Discover also

1:59 cracked me up lololol

Can I refer myself? For example chase southwest credit card can refer to any type.

That cat 😾meme on this side was, “Nah”-ing everything you were saying for a good chunk of the video....🧐 the disrespect. 😁

Awesome video thanks appreciate it

Eyyyyyy, DMV! I live in Gaithersburg, cheers!

I did a fair conservative estimate of $2000 a year and got approved for a $1,250 credit limit.

@akaEch0

2 жыл бұрын

2000$ a year? You sure not 20k?

@makemoney6411

Жыл бұрын

For which credit card?

Between stock gains and my income as a server, I make abt 35-40k. I got the Amex gold last week.

😂😆😀. Your entire building. WOW that's funny.

Let’s see how crazy these thumbnails can get.

Yeah a buddy. It translate to you 🤭. I remember Fez thats 70s had a friend name Johny Table

What a great topic. I’ve always wondered about this. I’ve always put my income lower on credit card applications. 🤦‍♂️

I don't think I've ever filled out that section with correct information. I can vividly remember a time when I responsibly had two credit cards, and I applied for another one just to see if I could get more points. I wrote down that I was a fireman in a city I didn't live in, wrote down a figure that was triple my actual income, and got approved instantly. That was a few years ago. I currently use two-ish cards regularly & have maintained a score in the upper 700's. But I have no idea how many credit cards I actually have right now. Tell them whatever you want. Just be responsible and don't abuse this knowledge.

Because of the possibilities of reviews and point claw backs, I think cash back cards and third party cards are best. By third party, I mean the miles or points immediately go directly to say Marriott or Delta. Don’t think those are clawed back. Are they ?

Is this the same for credit unions? I'm working off the books but last job was catering on the books and told them that

Is Skrill or Payoneer a good Credit Cards? Since that's pretty much the only ones that's fully functional outside of US.

I just couldn’t stop looking at that cat

I love ur vids it's amazing!

I would say, don’t put down what you can’t afford in the future. You should put down what you plan on being your income. Really it depends on how you wish to use your card. If you can afford it, you can always add household income, I wouldn’t add too much income on a card you don’t plan on spending a lot on though, but it wouldn’t hurt considering your not spending a lot on it anyway.

So I’m applying for care credit. Which is a medical credit card to pay off some medical bills. I’m a college student, can I add any grants/scholarships I get as my source of income as well? I also work a part time job.

What I wonder is what would one put down if one have no income (say you are rich and just live of your net worth, so no verifiable income)?

I got denied for the discover it student card too lmao...

Very Good Info!

Sometimes your ability to pay a credit card doesn't equal what your income would suggest. So if you know you can pay, and fully intend to handle your account responsibly, then offering inflated income numbers in order to cross acceptance thresholds is ethically ok since your probability of default is low - Which is what the CC company is trying to determine anyway through cookie-cutter algorithms that don't always tell the whole story.

Being in the military my taxable income is 30k but with all entitlements ahout 60k total. So thats what i put.

@kylesewell6128

3 жыл бұрын

90K

hahahahaha so funny around the middle of the video you are talking and talking and on the left you show the FB page and the cat does Nahhh keep sahling the head..hilarious. BTW regardless, great video!!

Thanks Brian, I just liked and subscribed. You pretty much answered my question. I get an additional 1,150 from my roommate, which I added to my income when I applied for a credit card. Okay, I was feeling guilty, now I'm not : )

Amazing !

I feel catfished! The beginning of the video shows this shirtless Brian with badass tattoos 😳😳 but you’re so smart ❤️ love your videos. Guess watching your videos while I analyze brain waves is my Sunday night!

Businesses often state their income as pro forma income. This is the amount of projected income based upon certain assumptions regarding future activities. This is also a good rule for individuals to be able to estimate their income over the following year.

@Jungernaut

4 жыл бұрын

Well said!

I watched the entire video waiting for Brian to show his tattoo!!! Where is it??!?! LOL

Nah. I got denied 2 times for the Discover card. Then the next day I got line increases on 2 other cards.

I was a college student and I always put 85k and got approved immediately

@nickmadle5765

4 жыл бұрын

VirginDestroyer facts 😂😂

@deborahhardaway8919

4 жыл бұрын

Lol

@FunnyLottery

4 жыл бұрын

That's because if your in school theres hope you will graduate and get a good job to be able pay it back....

@marquinbrewer8702

3 жыл бұрын

@@FunnyLottery uh no that dream is dead!

@kazi1

3 жыл бұрын

@@marquinbrewer8702 rip

Nice ending song

Brian Jung American Express sometimes does financial reviews

The burp cracked me up ha ha

Lmao bag them up 😂 damn Brian are you an Op?

Boss moves lol. I'm on my 5th credit card. Gonna get 10+ ya boy!

Awesome tattoo🤙🏾

Does this apply to trying to get a business credit card? I have been out of work for a few years due to my depression and anxiety but I have to get back to living and I was looking into woodworking to make some money as well as starting a candle making business with my sister. My sister struggles with money as it is and I haven’t worked so the money is not there. I have a pretty good credit score (780) and wanted to apply for a business credit card but I don’t have a job so no income and I don’t have a bank account anymore either. I desperately need some help

Should I lie if I’m requesting a credit line increase ?

I wish I had watched this earlier. I applied for the Hilton Honors Amex today because it was on my list from Experian as 83% chance of getting it. I applied because someone on another video said that if they do deny you that you won’t take a hit on your credit. I got turned down and they dinged me 19 points!!!! 😡 I have a $20,000 Car I got on a Fico score of around 600. Fico score was 720 today and can’t get a credit card. WTH? 🤦🏼‍♀️

@ritajames7797

2 жыл бұрын

I suspect that unmarried women do not always get an equal or fair assessment when credit card companies consider applications.

Freakin love this dude

Look Brian I open a Americans expressed card my score was 772 and now my score drop to 737 American express card cancel my card they said I need my score up to 750 is this right I never miss a payment

It's all perception! How do you see yourself and where you are and where you will be! We have the power to change our income every moment every day! Just do it!

The problem I see with that is the median household income in my area is $74k. I am a single parent with the household income of half of that. Wouldn't that mean I would get denied for every card?

Lol, I remember getting denied to a Wells Fargo student Credit Card. I even bank with them which is the funny part. But it might have been because I had an overdraft fee a few days prior to apply for the credit card, which did not look good. But 2 years has passed and I got instantly approved for the chase freedom unlimited card with a credit lime higher than my monthly income!

My wife is a full time student and she put down my income as her income in her application for capital one venture card. She got approved after we provided our tax return. (We file jointly) Capital one asked for it before they would approve her application. Just an FYI.

@DeborahE7

5 жыл бұрын

@Hector Diaz Herrera - I’m a full-time homeschooling SAHM and that’s what I do.

Bro WOW! You live by me and we haven't linked up yet. Let's make this happen!

I am so confused on what to put I put 81k how would add your finical aid or car payments?

Interesting.. I think income + net worth should be ok.

@macnvettes

3 жыл бұрын

No, I have a net worth of over $500k, but an income of only $65k. No way I'm trying to claim an income of $565k, that's not defensible.

I usually count my entire household income (wife works too), plus anticipated dividend income, etc & then I add about 5-10% for good measure. Some people might add more, but sometimes I feel like I’m too honest for my own good lol

1:59 - So thank you ......BURRRRRRRRP!!!!!!

@tyrans911

4 жыл бұрын

Kay Lou 😹

Words cannot express my feelings, nor my gratitude for this video. Jamie did a great job. I really appreciate it.

@robinsutton6960

3 жыл бұрын

thats awesome! can you help me please?

I have never had a company check my income. I have over 7 cards and over $50000 in a limit

@tinataylor4203

3 жыл бұрын

Branden Tempelmeyer same here an I live on social security 10,000 a year lol

Yes 80/20 works for me, that way I will not get more credit than necessary

i might of or not might of exaggerated on mine.

I was honest a few years back and got denied for a secured credit card… that’s when I knew I had to stretch the truth haha

@luzgonzalez874

2 жыл бұрын

does it matter how many times you apply for the same card?? I applied yesterday and got denied for cash back discover.

I always watch you in X2 speed