My name is Ben Hedges, AKA the Credit Shifu, I started this channel about credit cards, and luxury travel, but now it has grown to include personal finance, crypto, and self improvement. Come along for the ride!
Might be an additional bucket for people that use their cards regularly. I have the Venture X, SavorOne, and Venture One (downgraded from Venture Rewards). They have always seemed to be happy to let me close cards and open new ones for sign up bonuses as well.
@UTubeVidWatcher8 сағат бұрын
There is a separate area on the Capital One website to check if you are prequalified for the Venture X card. That card will never appear under the general prequalify page.
@AtizaJuanita8 сағат бұрын
More like 10 Capital One myths
@Plazali8 сағат бұрын
I don’t know how you haven’t gotten approved for the Venture X yet…I mean I’m 21, make 44k a year, paid $300 in rent at the time I got approved bc roommates, and I have a $10k limit on the Venture X. Maybe that predatory approach Capital One supposedly has isn’t all that crazy to believe.
@wizardfones41139 сағат бұрын
How do you book Delta flights through Virgin ? Can you do a video on that.
@rambosidi76349 сағат бұрын
You always have excellent and a high level of content in your videos!
@ksbma10 сағат бұрын
Hi! Do you happen to know if I can sign up for the Venture card if I already have an existing Venture X account? I really just want Ventures sign up bonus 😅
@rambosidi763410 сағат бұрын
Thanks for sharing this great info!
@DannielleRosales10 сағат бұрын
I’m 52 hoping to end the rat race by 60 with above $1M. I know money is a liability to be exchanged for assets with real value like real estate (properties for rent) stocks (dividends) bonds (interest) But, what is it with bitcoin? I hear a lot about it and I'd love to diversify my portfolio.
@NianLisa10 сағат бұрын
bitcoin does not pay any yield but will reward you with growth that you can't find in any other asset class
@jeffbox1torres10 сағат бұрын
look at the charts, bitcoin has outperformed every stock and banking product ever developed even after multiple pullbacks over the last decade. not a financial advisor but I know what i'm saying
@MavenSly-hv4yk10 сағат бұрын
The key is diversification. Personally, I delegate my investing to an advisor, cos my job doesn't permit the time to perform market analysis myself. Thankfully, my once ago stagnant portfolio has now 5X in barely 4 years, summing up almost 7 figure as of today.
@arloc2410 сағат бұрын
I went from no money to lnvest with to busting my A** off on Uber eats for four months to raise about $20k to start trading with Evelyn Infurna. I am at $128k right now and LOVING that you have to bring this up here
@BestoFornitero10 сағат бұрын
i'm blown away! more info please? i am a young adult living in Miami where i've encountered several millionaires, and my goal is to become one... they all seem to be involved in either real estate, stocks, or crypto
@TheFlairGuy10 сағат бұрын
The PHX lounge has been "coming soon" for 3 years. :'-(
@jwil428610 сағат бұрын
About BA: you can use them to book both American AND Alaska airlines (both are oneworld members)
@KeithW90111 сағат бұрын
There is a separate pre approval tool for the venture x. My theory is that all the other cards are part of their bucketing system with investors while the venture x is outside that since it’s a visa infinite with a minimum 10k cl
@TheArtistFKApingaso368733 минут бұрын
My mother used the pre-approval tool and was offered the VentureOne, Venture, and Venture X to choose from. She was given a $30k limit so it might be that if you are not offered the Venture X they’re already telling you you’re getting a limit under $10k. Just a thought but I found it interesting.
@oldschooliron802212 сағат бұрын
你好！👋👍
@charmcharmy38712 сағат бұрын
I get much higher value our of Wyndham points....
@jorgeanacleto682713 сағат бұрын
Strange i have 4 , had 5 i cancelled my walmart in December .
@J0HN_3_1613 сағат бұрын
Capital One has horrible customer service.
@CLNSL813 сағат бұрын
I have 2 quicksilver and savor one cards plus another co branded card. This is total CAP
@lianalonge198413 сағат бұрын
I accepted an upgrade from Venture One to Venture. I’ve been putting a lot of spend on this card and I’m also gardening for a year. Next year this time I hope to upgrade/product change to the Venture X.
@KeithW90111 сағат бұрын
I’d recommend you actually apply straight for the venture x to get the sign up bonus and product change your venture into a savor one. (That’s what I did and loving it)
@balloonpark14 сағат бұрын
I have 3 capital one cards :)
@benbaran451714 сағат бұрын
It’s kind of a catch 22. I don’t use my Capital One cards at all because the benefits are not great. I maybe would with a higher level card, but doesn’t seem worth it.
@VuNguyen-fv5jl14 сағат бұрын
No one cares
@Turnip_Tyme14 сағат бұрын
I have two quicksilver cards, Venture One (previously Savor One), and the Venture X. If you have the Quicksilver, Savor or the Savor One, & Venture X. You can do a Credit Line Transfer from the Quicksilver Card to the other cards & keep the Quicksilver for small monthly bills to transfer the cash back rewards to the other cards or hold it on for a later determined date
@thecleaningteacher63814 сағат бұрын
Such a helpful video! ✅
@manfa11 сағат бұрын
Not really. Many wrong info there …Do your own research
@SocaGod14 сағат бұрын
In Gem 💎 Values sapphires are worth more than emeralds
@markcornelius529115 сағат бұрын
Finnair now uses the same award currency as BA, Avios. You can transfer them back and forth
@cooperraleigh15 сағат бұрын
Was on the phone with capital one yesterday trying to upgrade my Quicksilver. ( was under the impression of the 2 personal card limit) Was not approved for the upgrade but they told me to apply and that you can hold up to 5 credit cards
@ab304015 сағат бұрын
They should just get rid of Eva Air and make Accor a 4:3 transfer Their points would be pretty valuable at that rate
@Rkwasnaza15 сағат бұрын
Venture X has it's own pre approval page. Look it up.
@johnkim16315 сағат бұрын
The absolute worst thing about Capital One is that after they pull from 3 credit agencies, they still demand a copy of your state driver’s license and your SS card. They know this will stop a lot of folks dead in their tracks. I will never give them any opportunity to have my life turned upside down since so many places have been hacked.
@nycityny646616 сағат бұрын
I had heard elsewhere that if you freeze your Experian credit report and Capital One is only left with two hard pulls that they would still approve you. I tried it out by applying for the Venture X in April after freezing my Experian report and was approved. I was notified by Experian that they rejected a credit report request from Capital One but still received instant approval for the card.
@TomsLife916 сағат бұрын
1:44 Bank of America warned me to use a card or else it would be closed. It was a few months in advance of the closure date so it wasn't an issue and naturally I had plenty of time to use it. This would have been a 2-year inactivity period, for reference.
@johnbeyers652216 сағат бұрын
You can have more than 2 personal cards with Capital One.
@KyoyaTategamiLEO16 сағат бұрын
Buddy explaining this like it’s the meta for credit cards lol
@CrazyAboutCandles16 сағат бұрын
Couple videos and articles I’ve seen seem to lean that you can get more than two depending on your relationship with capital one. Might be worth looking into
@justmcclend2516 сағат бұрын
Great Video! Citi Bank next? 🤞
@itsagreatday976513 сағат бұрын
He did a Citi version of this video. I remember it because found out how easy it was to product change
@bobsmith807717 сағат бұрын
Why would a credit card company have "secret" benefits or options they don't tell their customers about? Makes no sense. If the "secret" can be found on a company's own website, then it isn't a "secret". And guessing about how a particular company's algorithm works also isn't a "secret".
@brandoncarroll295517 сағат бұрын
I have 3 C1 cards. Savior1, Quicksilver, and Venture1
@erictu490017 сағат бұрын
I think the venturex uses its own separate preapproval tool. I used the standard preapproval tool and it didnt show the venturex, however when i used the venturex preapproval tool, it said i was preapproved
@mattskord917817 сағат бұрын
6 month rule is outdated, closer to 3 months these days
@TheCreditShifu17 сағат бұрын
Capital One product upgrade link: verified.capitalone.com/auth/signin?Product=Card&Action=ProductUpgrade
@nickknight105817 сағат бұрын
I couldn’t find the option to find product upgrade offers. Where do I look on the app or website account?
@TheCreditShifu17 сағат бұрын
HERE YOU GO verified.capitalone.com/auth/signin?Product=Card&Action=ProductUpgrade
@nickknight105817 сағат бұрын
@@TheCreditShifu thank you!
@robertjarrell727617 сағат бұрын
Why are you perpetuating this ridiculous myth of the two card limit? It is simply not true. This is the last straw with your videos, I won’t be watching any more of them.
@NicholasA174717 сағат бұрын
Okay boomer.
@alexbarnes857617 сағат бұрын
Not a myth bud I got 2 and they said I'm capped out
@Hyperfixd16 сағат бұрын
@@alexbarnes8576 this might've been a thing before but it's not certainly still in effect. I have the platinum, QS, S1 and recently got approved for the VX.
@adamspoetic1015 сағат бұрын
I got four. Venture One, no annual fee Quicksilver, Savor One, and the Venture X. However, I’ve been a customer of theirs since I was like 18 years old. That was a little over 25+ years ago.
@balloonpark14 сағат бұрын
@@alexbarnes8576 I have 3 :)
@caribdude815118 сағат бұрын
Happy 4th of July Ben! 👍😊🇺🇲
@soapa427918 сағат бұрын
I have about $144K CL with my other cards together, Capital One approved me for a SavorOne excellent credit for a whopping $1K credit line 😂 I can’t even buy NFL tickets with this limit lmao. But I’m going to play their game, max it out every month (then pay off) and see if they’ll increase. And then eventually I’ll apply for the Venture X
@crgvino118 сағат бұрын
I must have been grandfathered in, I have a few. CO is terrible about CLI. I have been 800+ for years and have less than 1-2% usage on average.
@Adiscretefirm18 сағат бұрын
Just last week a Cap1 phone rep told me I would not need to close my old Quicksilver to get the Savor and that lots of people have 3 accounts open
@jorlouski18 сағат бұрын
I must of slipped through the system because I have the VX, Savor 1 and the Quicksilver. I don't plan on getting any more C1 cards. For me the Quicksilver is useless with the VX and S1 duo.
@robertjarrell727617 сағат бұрын
There is no such thing. It’s a myth perpetuated by fake shills like this guy.
@Onii-san16 сағат бұрын
By the looks of it, the amount of cards you can have with them is dependent on your relationship from what I’ve seen. I’ve seen people like you have more than 2 but others limited to 2 of them
@Tulare7313 сағат бұрын
I have the Venture X, Savor One and both versions of Quicksilver and you’re correct with Venture X the Quicksilver cards are useless the only way to make the Quicksilver viable again is add a gas and ev charging category to it at 3%.
@kennethbatts518212 сағат бұрын
Im pretty sure the limit is actually 5, and it’s just a bad myth it’s 2 cards.
@goohee2218 сағат бұрын
LiT
@Laic18 сағат бұрын
fantastique but I never said this the main reason I watch is because you remind me of that actor in Doctor Who
Пікірлер
Is that a black card! No it's not kanye😂
Might be an additional bucket for people that use their cards regularly. I have the Venture X, SavorOne, and Venture One (downgraded from Venture Rewards). They have always seemed to be happy to let me close cards and open new ones for sign up bonuses as well.
There is a separate area on the Capital One website to check if you are prequalified for the Venture X card. That card will never appear under the general prequalify page.
More like 10 Capital One myths
I don’t know how you haven’t gotten approved for the Venture X yet…I mean I’m 21, make 44k a year, paid $300 in rent at the time I got approved bc roommates, and I have a $10k limit on the Venture X. Maybe that predatory approach Capital One supposedly has isn’t all that crazy to believe.
How do you book Delta flights through Virgin ? Can you do a video on that.
You always have excellent and a high level of content in your videos!
Hi! Do you happen to know if I can sign up for the Venture card if I already have an existing Venture X account? I really just want Ventures sign up bonus 😅
Thanks for sharing this great info!
I’m 52 hoping to end the rat race by 60 with above $1M. I know money is a liability to be exchanged for assets with real value like real estate (properties for rent) stocks (dividends) bonds (interest) But, what is it with bitcoin? I hear a lot about it and I'd love to diversify my portfolio.
bitcoin does not pay any yield but will reward you with growth that you can't find in any other asset class
look at the charts, bitcoin has outperformed every stock and banking product ever developed even after multiple pullbacks over the last decade. not a financial advisor but I know what i'm saying
The key is diversification. Personally, I delegate my investing to an advisor, cos my job doesn't permit the time to perform market analysis myself. Thankfully, my once ago stagnant portfolio has now 5X in barely 4 years, summing up almost 7 figure as of today.
I went from no money to lnvest with to busting my A** off on Uber eats for four months to raise about $20k to start trading with Evelyn Infurna. I am at $128k right now and LOVING that you have to bring this up here
i'm blown away! more info please? i am a young adult living in Miami where i've encountered several millionaires, and my goal is to become one... they all seem to be involved in either real estate, stocks, or crypto
The PHX lounge has been "coming soon" for 3 years. :'-(
About BA: you can use them to book both American AND Alaska airlines (both are oneworld members)
There is a separate pre approval tool for the venture x. My theory is that all the other cards are part of their bucketing system with investors while the venture x is outside that since it’s a visa infinite with a minimum 10k cl
My mother used the pre-approval tool and was offered the VentureOne, Venture, and Venture X to choose from. She was given a $30k limit so it might be that if you are not offered the Venture X they’re already telling you you’re getting a limit under $10k. Just a thought but I found it interesting.
你好！👋👍
I get much higher value our of Wyndham points....
Strange i have 4 , had 5 i cancelled my walmart in December .
Capital One has horrible customer service.
I have 2 quicksilver and savor one cards plus another co branded card. This is total CAP
I accepted an upgrade from Venture One to Venture. I’ve been putting a lot of spend on this card and I’m also gardening for a year. Next year this time I hope to upgrade/product change to the Venture X.
I’d recommend you actually apply straight for the venture x to get the sign up bonus and product change your venture into a savor one. (That’s what I did and loving it)
I have 3 capital one cards :)
It’s kind of a catch 22. I don’t use my Capital One cards at all because the benefits are not great. I maybe would with a higher level card, but doesn’t seem worth it.
No one cares
I have two quicksilver cards, Venture One (previously Savor One), and the Venture X. If you have the Quicksilver, Savor or the Savor One, & Venture X. You can do a Credit Line Transfer from the Quicksilver Card to the other cards & keep the Quicksilver for small monthly bills to transfer the cash back rewards to the other cards or hold it on for a later determined date
Such a helpful video! ✅
Not really. Many wrong info there …Do your own research
In Gem 💎 Values sapphires are worth more than emeralds
Finnair now uses the same award currency as BA, Avios. You can transfer them back and forth
Was on the phone with capital one yesterday trying to upgrade my Quicksilver. ( was under the impression of the 2 personal card limit) Was not approved for the upgrade but they told me to apply and that you can hold up to 5 credit cards
They should just get rid of Eva Air and make Accor a 4:3 transfer Their points would be pretty valuable at that rate
Venture X has it's own pre approval page. Look it up.
The absolute worst thing about Capital One is that after they pull from 3 credit agencies, they still demand a copy of your state driver’s license and your SS card. They know this will stop a lot of folks dead in their tracks. I will never give them any opportunity to have my life turned upside down since so many places have been hacked.
I had heard elsewhere that if you freeze your Experian credit report and Capital One is only left with two hard pulls that they would still approve you. I tried it out by applying for the Venture X in April after freezing my Experian report and was approved. I was notified by Experian that they rejected a credit report request from Capital One but still received instant approval for the card.
1:44 Bank of America warned me to use a card or else it would be closed. It was a few months in advance of the closure date so it wasn't an issue and naturally I had plenty of time to use it. This would have been a 2-year inactivity period, for reference.
You can have more than 2 personal cards with Capital One.
Buddy explaining this like it’s the meta for credit cards lol
Couple videos and articles I’ve seen seem to lean that you can get more than two depending on your relationship with capital one. Might be worth looking into
Great Video! Citi Bank next? 🤞
He did a Citi version of this video. I remember it because found out how easy it was to product change
Why would a credit card company have "secret" benefits or options they don't tell their customers about? Makes no sense. If the "secret" can be found on a company's own website, then it isn't a "secret". And guessing about how a particular company's algorithm works also isn't a "secret".
I have 3 C1 cards. Savior1, Quicksilver, and Venture1
I think the venturex uses its own separate preapproval tool. I used the standard preapproval tool and it didnt show the venturex, however when i used the venturex preapproval tool, it said i was preapproved
6 month rule is outdated, closer to 3 months these days
Capital One product upgrade link: verified.capitalone.com/auth/signin?Product=Card&Action=ProductUpgrade
I couldn’t find the option to find product upgrade offers. Where do I look on the app or website account?
HERE YOU GO verified.capitalone.com/auth/signin?Product=Card&Action=ProductUpgrade
@@TheCreditShifu thank you!
Why are you perpetuating this ridiculous myth of the two card limit? It is simply not true. This is the last straw with your videos, I won’t be watching any more of them.
Okay boomer.
Not a myth bud I got 2 and they said I'm capped out
@@alexbarnes8576 this might've been a thing before but it's not certainly still in effect. I have the platinum, QS, S1 and recently got approved for the VX.
I got four. Venture One, no annual fee Quicksilver, Savor One, and the Venture X. However, I’ve been a customer of theirs since I was like 18 years old. That was a little over 25+ years ago.
@@alexbarnes8576 I have 3 :)
Happy 4th of July Ben! 👍😊🇺🇲
I have about $144K CL with my other cards together, Capital One approved me for a SavorOne excellent credit for a whopping $1K credit line 😂 I can’t even buy NFL tickets with this limit lmao. But I’m going to play their game, max it out every month (then pay off) and see if they’ll increase. And then eventually I’ll apply for the Venture X
I must have been grandfathered in, I have a few. CO is terrible about CLI. I have been 800+ for years and have less than 1-2% usage on average.
Just last week a Cap1 phone rep told me I would not need to close my old Quicksilver to get the Savor and that lots of people have 3 accounts open
I must of slipped through the system because I have the VX, Savor 1 and the Quicksilver. I don't plan on getting any more C1 cards. For me the Quicksilver is useless with the VX and S1 duo.
There is no such thing. It’s a myth perpetuated by fake shills like this guy.
By the looks of it, the amount of cards you can have with them is dependent on your relationship from what I’ve seen. I’ve seen people like you have more than 2 but others limited to 2 of them
I have the Venture X, Savor One and both versions of Quicksilver and you’re correct with Venture X the Quicksilver cards are useless the only way to make the Quicksilver viable again is add a gas and ev charging category to it at 3%.
Im pretty sure the limit is actually 5, and it’s just a bad myth it’s 2 cards.
LiT
fantastique but I never said this the main reason I watch is because you remind me of that actor in Doctor Who