The Venture X has made things so much more complicated. It's like an end game card but you have better approval odds with less open cards on file. It's so weird.

@OfficialChadsMoneyMinutes

Жыл бұрын

Amen!!!

@Cause023

Жыл бұрын

Would I be insane to apply for the Venture X as my second credit card 😅

@moheel7022

Жыл бұрын

@@Cause023 Yes, build a solid foundation with chase cards while you’re still under 5/24, then you can move to citi, c1 etc

@Cause023

Жыл бұрын

@@moheel7022 about how long does it take to get the chase trifecta? I’m going to go insane if I have to wait 2+ years to move onto capital one lol. Bc that’s a lot of travel rewards and airport lounge time wasted for me 😅

@moheel7022

Жыл бұрын

@@Cause023 I applied every 3 months. You could spread it out more or less, but I've seen data points of people getting denied early on for too many applications. Start off with chase fu or flex and then get CSP last. If you're planning on getting any chase business/hotel/airline cards, space out applications every 6 months to stay within 5/24 range.

This is a super interesting list! I’ve been planning a similar video for my channel, but you made me take some things into consideration that I didn’t before.. it’s cool to see how the credit card game continues to change over the years! Great work on this one.

Turned 18 in January but have been watching for 1 year just wished people around me that are older then me stopped asking me what cards they should get or what stocks they should buy but now that I’m 18 going to get started with the chase trifecta already have the CFF and the citi DC

Great video Ben!! Could you do a similiar video but focused on cards that maximize benefits for those of us who do not travel enough to take advantage of those rewards??

@devlin76

Жыл бұрын

This five card setup is great even if you are only occasionally traveling. If you do not travel and want to avoid the annual fees, then change card 4 and 5 to the Citi Custom Cash and Double Cash cards. That will round out a solid no AF cashback setup.

I would complete the Chase trifecta and if possible get the Chase Ink business cards (all 3) for maximum Chase UR points before going to Capital One due to the 5/24 rule.

ive had the BCE card for a year spent over 5k on the card in the whole year and twice ive been denied for a CLI from AMEX. 1k card is currently the lowest in my wallet

I would probably swap out the Amex BCE for the Bilt Mastercard for more opportunities to earn Hyatt points. Especially as beginners are probably still paying rent.

I was able to start with the 2 freedoms. I’m now going for the Amazon prime and ending the year with a sapphire. I want to try for the sapphire as my third but I’m afraid I’ll get denied.

Great order and tips, especially for someone who’s just getting started with credit!

The IT was fine for years. All of a sudden, they suspended my card to do a so-called identity review. I think it's a financial review. I was late one time by a day. After reading that some have signed the forms so they can check your tax forms and still had thier card closed. It's my second oldest card and I wanted to keep it. But, at this point they can close it because I am a little pissed.

@armytruth6860

Жыл бұрын

Amex canceled 5 of my cards with them. Lost 25K in credit limit

@williamrobinson4198

Жыл бұрын

Update...they got whatever needed and have reopened my card.

Thank you Ben. Love your vids. Re, discover credit card and no foreign transaction fee, which is great, but almost no other country accepts discover 😮

This was super helpful. Thanks Ben!

I have the discover it card, but am at 3/24 and have a 705 FICO. Debating skipping the Amex everyday card and going to the freedom flex, and then going onto Amex just to be safe. I heard you can upgrade the flex to the preferred, which means I'll stay under the 5/24 bc i already have a chase card, but I'm just upgrading it.

@abhisonani6332

11 ай бұрын

I think freedom unlimited might be easier to convert as Freedom unlimited is a Visa, Flex is a mastercard. CSP is Visa card btw.

I have a huge purchase coming up, over 10k which credit card should I apply for to maximize

Im looking for a second credit card. I didnt think AMEX would accept me with only 6 months credit history though

Any particular reason neither of the Citi cards make an appearance here? Is it because of the weight of Citi thank you points verse Amex Chase and Capitol1?

Excellent info. Thanks!

How long do you recommend waiting between your last credit card and applying for a home loan? Does the answer change based on if it's a business or personal card?

@TheCreditShifu

Жыл бұрын

Normally 6 months.

@exodussurvival

Жыл бұрын

@@TheCreditShifu thanks for the reply

It's too hard getting the venture x

All blue cards……. It’s a conspiracy

@TheCreditShifu

Жыл бұрын

Haha

"The Blue Stack", basically.

I have the Amex Blue cash every day and the gold card as well.. I want to apply for a Hilton honors card.. Is still only a Softpoll.? Thanks.. Keep it up with your great content.

@EduardoDasher

Жыл бұрын

Make sure to log in when doing the application on the website

@khronos2782

Жыл бұрын

@@EduardoDasher To be logged in my account before applying? Thanks for the content..

uh, your microphone and stand take up more of the picture than you do

If you are just starting out, getting 2 Chase cards in 2023 is almost undo able as Chase requires one year of credit history to get Freedom and Sapphire. You should make it clear that going from zero credit this this lineup can easily take a couple years

@TheCreditShifu

Жыл бұрын

I guess you didnt get to that part in the video yet…

@aaront936

Жыл бұрын

They auto denied my foriegn wife (no credit score) but I called the reconsideration line and got her approved for a freedom flex and the ihg card within her first year.

@AdamBA380

Жыл бұрын

He says that right as he starts talking about Chase

@Luca_Brasi_881

Жыл бұрын

@@AdamBA380 Yes he said it, sorry, my bad

Ben will you do a video on the credit cards Kpop idols like Blackpink "Lisa" use like Hyundai Card’s The Black, Samsung Card’s Raume O, Hana Card’s Club 1 and KB Kookmin Card’s Tantum? Hard to get ones like them? Credit Cards they use in Korea, a tier list like you do for the USA? So many K-pop artists making the USA Billboard charts BTS, Blackpink, Loona, Itzy, Twice, (G)I-DLE, NewJeans etc. I was just wondering.

@BodytagsLoL

Жыл бұрын

no one cares lmao

@AdamBA380

Жыл бұрын

That’s a preeeeetty niche crossover between Kpop and credit cards. You might be looking for a subreddit…

@stealingcreation

Жыл бұрын

he knows nothing about those lol those are korean only

80k freedom SUB??? When did I miss this? 10:20

@jmbwashi

Жыл бұрын

20k for $500 spend in the first 3 months plus 5x back on groceries for the first year up to $12k spend for the other 60k points if you max it out.

First🎉