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Пікірлер: 97
I stay away from Synchrony as much as possible due to the history of them abruptly shutting down accounts.
@noeeortiz9073
8 ай бұрын
Can you elaborate on this? What do you mean by shut down account?
@ServantLeaderFinance
8 ай бұрын
@@noeeortiz9073 Synchrony has a pretty well documented history of closing down accounts suddenly, even when they are in good standing. It happened to me and many, many others. There have been occasions where people would go to use there cards, and would find out then and there, the accounts were closed. They also have a history of slashing credit limits, even when being used.
@feliciapatton8886
8 ай бұрын
They will cancel your for no activity
@Branden031
8 ай бұрын
@@feliciapatton8886there’s normal close your account due to inactivity
@dynamitescottwhite
8 ай бұрын
Read terms. From what I have experienced w synchrony is if you do not pay off balance by end of 0% term they will add all the back interest all at once. This wouldn’t want to deal w that surprise after been making payments for a year.
I started with Wells Fargo, but I financed my first car through Capital One Auto Finance. I love Capital One.
Synchrony drops your credit limit for no reason. 🤦♂️
You're not getting an AMEX gold card with a 620 credit score. Ain't happening.
@lashawannajoyner5993
4 ай бұрын
🤣😂🤣😂😂
Yeah the Amex thing is slightly surprising. I've only just now got a fico score and the top third of my card recommendations are all Amex, but not all have a yearly fee. There's like one secured card, a couple no annual fee cards, a lot of annual fee cards. And then a bunch of pre-approvals from credit one ☠️
I wonder if the CC companies approve low credit score applicants as a control group to see if credit scores really predict defaults?
@dozhadeville444
7 ай бұрын
Definitely
@michaelrogers9720
6 ай бұрын
They make money on people who don’t pay in full.
I think I'm good with the cards I have. I have so many mediocre ones trying to go up from the crappy ones after a bankruptcy to now I use my AMEX investor, Schwab platinum, & BCP cards.
Im Watching You.. Always Good Info.. Keep it Up Sir..
Trigger, I got a gold with 590...Amex platinum 6 mo. Later. It did happen, brother
Always quality info 💯
Not true for me. Just got denied for an Amazon card because of lack of credit history although I have a good credit score.
@gsxr750dude
8 ай бұрын
yea, this guy gives a lot of info that isnt correct, most youtubers in this sector are like that, he may have a few correct idea of how things work, but a lot of the important points he tries to make or says are not correct or half true or are misleading, he prob doesnt even know or realize that so i dont think he says incorrect things as if they where factual, a lot of these youtubers just read or watch others info or videos and basically just say the same shit thats wrong or is bad advice, but thats like 98 percent of youtubers in this sector, its almost as bad as the crypto experts on youtube
If u have a low credit score u can also get the capital one platinum credit card no annual fee u dont need a secure credit card
Awesome videos people, please keep up the awesome work people, you're welcome people!
How hard would you say it is to get approved for Capital One Venture X?
Got denied for discover it. 676 score
1st and great video as always Cal. I love the data points you always mention, a nice touch.
AMEX = Annual Fees. And they are overhype. How many of us actually break even with the annual fees?
@anthonypicciano3803
7 ай бұрын
Join the military and it’s free
@micahgreene4573
4 ай бұрын
Amex has many cards with no fee. I have 2 fee cards (Hilton Surpass and Gold). 2 no fee cards (Hilton Honors and Blue Cash Everyday).
Fail information about synchrony
I need a chase credit card 💳
@MichaelJohnson-ze6ql
8 ай бұрын
Why
@jaws2003
2 ай бұрын
Same here. I want the United Gateway card.
Citi bank has done this to me on 4 different cards
I've gotten approved for 1 card per month for the last 3 months. The last 2 cards made my credit score drop 😢 I only had 1 card before this so kinda confusing.
@kadinsellami8255
8 ай бұрын
apply for credit cards will temporarily lower your credit score because you are seen as high risk, because you're opening multiple lines of credit in a short time. Just use those for a couple months and keep the payments at 10-30 percent of the limit.
I applied for a credit card and I have excellent credit, but I still got denied. What does that mean?
Does Synchrony and Comenity do a hard pull for CL increase?
@calbarton
8 ай бұрын
No they don't
@koolbreeze101
8 ай бұрын
@@calbarton Thanks! I appreciate your quick reply.
Do you have proof kovo reports the the credit agencies? I heard tomo claims they do but they do not.
You mentioned “pre qualify” does that mean you’re able to be approved? I seen BOA does it and they had an endless list of recommendations but i don’t they all would’ve approved me if i applied
@DarknessFalls29
8 ай бұрын
It's a gamble.
@ITIRICI
7 ай бұрын
Pre qualify is nothing close to pre approved. Even then, pre approved is not even close to a guarantee.
@Mr.Mister96
2 ай бұрын
"Invitation"
Should close my $300 secured I opened almost six years ago? I have another card that is six younger than the secured card.
@KingGreen78
8 ай бұрын
Can't you switch to the unsecured version, Just to keep the credit history
@armybrat5379
8 ай бұрын
You should keep it and ask for a limit increase. The history will help you.
@kasiahroy2082
7 ай бұрын
I have a $900 one. They told me asking for an increase would be a hard pull.
Just got my first credit card and I’m 32 smh nobody taught me this shit. Got 200 dollar limit on capital one. How do I build it. And what does it mean if I add cash to it
@kjdavis9915
6 ай бұрын
Just dont miss payments and add more cards to your credit
@unknowntrapper2330
6 ай бұрын
@@kjdavis9915 yea I added my chick as a user too and been making all my payments. Hopefully it starts going up
I just got a Bread card for $3550
@calbarton
8 ай бұрын
Congrats 👏🏾🎉
@MsDC-th4zc
8 ай бұрын
What is a bread card?
@sinned96
8 ай бұрын
@@MsDC-th4zc check out Bread Financial
@armybrat5379
8 ай бұрын
What kind of card?
@sinned96
8 ай бұрын
@@armybrat5379 Bread cash back card
Ok but do they accept ITIN s for us foreign nationals living in the US trying to build credit? 😐
@viniciusmorais8931
8 ай бұрын
Yes, yes they do. Capital One, Bank of America, Chase and Synchrony. If your ITIN is valid, they will give you a shot given you have any kind of credit history. (Check the company Self for a good way to build some). Also, loan companies such as Oportun will also lend you up to 10000. On the business side, banks such as Accion opportunity fund will also lend you up to 25.000.
@deathuponusalll
8 ай бұрын
@@viniciusmorais8931 thanks for the info! So I got my chase one earlier this year and capital one just last month and the petal 2 (all under a year) but synchrony was the first I tried and they turned me down, I called them and they said they didn’t accept ITINs however back then I had no credit history so maybe that’s why 🤔….I tried getting the Blue cash Amex but was denied, so you know which Amex is easier to be approved for by any chance?
GM card is pure trash! Points are not transferable as statement credit....they just accumulate until you buy a GM vehicle........😐
@sinned96
8 ай бұрын
I traded my GM Rewards for Amazon gift certificate😊
pre approval offers don't mean s**t...i probably got denied more with pre approval offers than i did by randomly applying for a credit card (and i have great credit BTW)
♠️♠️♠️👑💪🏾😘
stop using credit cards. you dont need a debt score
@tmwkeemy
8 ай бұрын
Stay poor lmao
@Mr.Mister96
2 ай бұрын
You mean "trustworthiness score" 🤨, both high end housing and employment are beginning to check credit reports
I know they’re not good but premiere bank is an easy approval.