5 Steps to get MASSIVE CREDIT Limit Increases (FAST)

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Күн бұрын

Пікірлер: 131

@NaamWynn 5 ай бұрын

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@zaqargrigoryan9096 18 күн бұрын

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@mehmetrockci9023 13 күн бұрын

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@ОлегРазуваев-э6д 18 күн бұрын

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@mehmetrockci9023 13 күн бұрын

@zawswiwsrden1901 18 күн бұрын

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@mehmetrockci9023 13 күн бұрын

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@mehmetrockci9023 13 күн бұрын

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@mehmetrockci9023 13 күн бұрын

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@mehmetrockci9023 13 күн бұрын

@НиколайРУМЯНЦЕВ-ь2л 18 күн бұрын

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@mehmetrockci9023 13 күн бұрын

@простойпарень-ь1ы 18 күн бұрын

I just wanted to say thank you for sharing this. Because you're right. The worst thing that you can feel is hopelessness. And I hope that someone who is on the verge of losing hope finds *Pecuniary backdoors* and realizes that as long as you're still alive and breathing, there's a chance, there's HOPE that the future is brighter then the present day.

@mehmetrockci9023 13 күн бұрын

@dmitrijluka8975 18 күн бұрын

I stumbled across your video and instantly knew this was made for me. I'm going through the same thing with my business but just knowing that I'm not the only one who's experienced this just pushes me to go harder. Continue to put out informational content and sharing your story, THAT is what separates you from the rest. Much gratitude sir and *Pecuniary backdoors* was so helpful during the process of boosting my credit.

@mehmetrockci9023 13 күн бұрын

@boleam 18 күн бұрын

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@mehmetrockci9023 13 күн бұрын

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@mehmetrockci9023 13 күн бұрын

@ЛизаКосолап 18 күн бұрын

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@mehmetrockci9023 13 күн бұрын

@mabothaedward5576 Күн бұрын

Ji canninplease have your email.

@ТатьянаЛарина-ф6н 18 күн бұрын

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@donaldwilliamsjr2214 2 күн бұрын

I put this video in my favorites, Ive watched 100s and 100s of videos on credit, this has to be one of the best.

@NaamWynn Күн бұрын

Thank you!

@Blacksilver323 5 ай бұрын

"makes it look like you're desperate" well, yes, I am -.-

@86msmason 4 ай бұрын

Navy Federal may do a hard inquiry depending on your credit profile and their internal score system

@IncrediblelogsGMailcom2 3 ай бұрын

That’s true🆙

@Yangelwatergoddess06 Ай бұрын

Can you get a business card without an actual business? Is a sole proprietorship considered a real business?

@NaamWynn Ай бұрын

Anything for the pursuit of money can be considered a business

@kevinadams9468 Ай бұрын

Can I get married without a spouse....?

@robertweekley5926 Ай бұрын

😮Do you actually have any transactions that are "Enterprise Related?" IE: Mowing Lawns: "Joe's Mowing Services" is a "Business", but, do you have a "Business Plan?" A Client List? Or any Tax Records showing the Business Activity? If yes to all three, you chances are better! If not, work on those ideas!

@Yangelwatergoddess06 Ай бұрын

@@robertweekley5926 ummm….my business work is babysitting, raking leaves, taking pictures for people….im a full time mom so in my spare time I do those things. I do want to start a rental business in the near future.

@MiguelLopezG 5 ай бұрын

I made the mistake of accepting a prequalified credit card without updating my income and could’ve gotten a higher limit had I updated my income prior to accepting. Can I still get a higher limit?

@NaamWynn 5 ай бұрын

You can, if it was recently accepted like within a week or 2 when calling in. If some time has past, I would just wait 3 months.

@autoweldandpaintingfabrication 4 ай бұрын

Very interesting topic I love this topic tutorial.thanks for the video.

@zaidalnaib 4 ай бұрын

I have a business CC for 25k, with a debt almost 13k. Does this affects me getting a high limit personal cc? I did not apply for a personal cc for more than 3 years, and my credit score is very good.

@IncrediblelogsGMailcom2 3 ай бұрын

That doesn’t affect it… 🆙

@andrewwong9632 2 ай бұрын

Business credit cards don’t report to personal

@mrmentorcreditjamz9305 5 ай бұрын

Very informative.. thanks

@NaamWynn 5 ай бұрын

Welcome!

@antronewoods 5 ай бұрын

You are so informational

@NaamWynn 5 ай бұрын

🙏🏽

@anthonywalker2306 5 ай бұрын

Thanks for the information, very informative 👍🏾

@NaamWynn 5 ай бұрын

🙏🏽

@Vanjo16 5 ай бұрын

Great vid! 👍. Any data points on how to get credit limit increase on the Bilt credit card without a hardpull? Thanks

@NaamWynn 5 ай бұрын

It’s been mixed. I would freeze then request to make sure

@MathewMcCoyyyy Ай бұрын

It's been two months trying on the irs website without no go result maybe I don't fill the ss4 form correctly and I don't have an SSN

@dbest4755 4 ай бұрын

Naam, how u manage 40+ cards ? missed payments ?

@NaamWynn 4 ай бұрын

Everything is on autopay

@flintbeckstone7004 5 ай бұрын

Good informative video. Thanks

@NaamWynn 5 ай бұрын

Thanks!

@BruceMcKeever 2 ай бұрын

I have a couple of credit cards with a very low $300 limit would I be better off canceling those when trying to get credit cards with higher limits?

@Daprophe7 2 ай бұрын

Na If you cancel your credit card, your credit score will take an awful hit. This happens every time you cancel one. Better to try and increase that limit instead. It took Wells Fargo to increase mine to $1,600 from $300 Til this day I don’t know why but it did helped.

@BlockchainMoney87 2 ай бұрын

No because it’s history the longer the better

@BlockchainMoney87 2 ай бұрын

Companies love to see great relationships with banks it’s history never cancel just use it for gas

@DiegoEspinal-q1d Ай бұрын

if you dont have annual fee to pay then no just keep them even if you dont use them

@AdelNlmash 2 ай бұрын

I have $300 dollars limit how much do l need to used ?...right now l only been used 8% pleas till me

@patspats8590 Ай бұрын

At least 80 percent to full credit line. Then pay it off by your next due date. That will get you unsolicited credit limit increases from card issuer.

@Under510 3 ай бұрын

Great credit limit advice! 👍

@terrancejackson1561 2 ай бұрын

i need some help on getting a increase ok i have 200 limit card should u use 180 of it a month on the light bill or just plug it with netflix hulu and stars account it say multiple transactions or should I just use for light bill a month witch is 180 per month pay that under 10 percent before statement closing then use it again after pay off in full really confused please help

@TheVisualVanguard 2 ай бұрын

I suggest only using the card for your smaller subscriptions and pay those off twice a month . It will keep your utililzation low and will show that you’re using your credit responsibly.

@patspats8590 Ай бұрын

@@TheVisualVanguardno that's a credit myths. Never micromanaging utilization. Use the card normally, let it post high utilization naturally. Then pay it off in full by your due date. That would get you unsolicited credit limit increases with card issuer. Some issuer like capital One likes to see high spend and high utilization statement posts then pay it off in full.

@TheVisualVanguard Ай бұрын

@@patspats8590 honestly your method could work well too. It really depends on his spend relative to income. The 200 dollar limit sounds like a starter card based on stated income during the application. Assuming that, I would caution anyone new to credit cards against creating a habit of maxing out a card to trigger an auto limit increase because 1) that habit will get tougher to scale, especially with multiple cards down the line and 2) capital one is a soft pull so you can literally request a CLI at anytime with no downsides. Last but not least, there are always more cards. Instead of piling into cap 1 hoping for an increase, it would be more effective to just apply for another card with another lender and start developing more lender relationships.

@MdPiarulIslam-st7dw 5 ай бұрын

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@ManviChauhan-t2t 2 ай бұрын

Great

@javilara5829 Ай бұрын

So not 30% at most credit utilization?

@robertweekley5926 Ай бұрын

I usually target a Maximum of 20%, at latest by the Statement Date! If you are higher, you can easily put down an additional payment on the card to lower the outstanding balance, prior to the statement creation! (Easily, as to banking Online, more so than your ability!) Or, pay on the card each week you use it! 🥴

@gsctrading7215 5 ай бұрын

Thanks

@NaamWynn 5 ай бұрын

Welcome!

@KrustyKlown 16 күн бұрын

I WANT MASSIVE DEBT at Enourmous Interest Rates !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! ..... says no sane person.

@SootheRelax-tv 4 ай бұрын

good

@emreityiii6019 2 ай бұрын

As long as a person can pay their credit back why be punished for using more than 30% of their available credit smh?

@NaamWynn 2 ай бұрын

Higher risk to obtain more credit

@Sourpusscandy 3 күн бұрын

“Update your income during covid” Uh… it went down the toilet, so sad

@reaabeer1040 2 ай бұрын

Can i close my chase ink unlimited and apply for a new one? Is that possible?

@NaamWynn 2 ай бұрын

Yup

@patrickbecker2481 Ай бұрын

Technically yes, but if it’s your oldest established line of credit you’ll actually lose points even if you replace it with another card.

@MB-vk8cv 5 ай бұрын

You can just lie about your income and rent, they have no way to tell if youre lying.

@flintbeckstone7004 5 ай бұрын

What's a good rent for 100k income lie? Thx😂

@MB-vk8cv 5 ай бұрын

@@flintbeckstone7004 anything under $2500, Id say 2k to $2250 you should be good.I usually put 115k and $2100 rent.

@edgedeep 5 ай бұрын

Good luck with that when FICO 10 hits

@NaamWynn 5 ай бұрын

True, unless they ask for docs. Mostly everything on credit apps are based on the honor system.

@KiambuTheGreatProduction-ff8ss 5 ай бұрын

@@edgedeepWhat does Fico 10 do when it hits elaborate please? Thank you

@bobbiinfield6374 Ай бұрын

i got denied a higher limit and got a letter that didn’t make sense to me. I do every single thing that they request you to do every single month I pay all my credit cards to zero by the statement date. I have excellent on-time payment history, 100% and zero utilization by the time they report every month so I’m so confused as to why I got denied for an increase on my credit limit. I thought I did everything right there’s nothing else I could do that isn’t already perfect but yeah, I still didn’t get an increase Can you answer that? Do you have any ideas cause I’m really stumped.

@NaamWynn Ай бұрын

Could be card usage, or some lenders puts you in a bucket that makes impossible to get higher limits unless you get a new card.

@robertweekley5926 Ай бұрын

😢Some Banks Actually have "Card Limits" by Card Type! One of mine says "$49,000" is that cards limit! They won't even go up by $1,000 to a nice, round, $50,000! Still, Since they informed me of that, an Amazon MBNA MC started me off at $10,000, then offered me a $1K increase to $11,000, then later a $3K increase to $14,000, and lastly (so far), a $5K Increase, to $19,000! Capital One, however, has a "$9,000.00 Cap" on the Card I have with them! It varies a lot!

@SlaveofGod 22 күн бұрын

I think they want you to have a higher than zero % utilization. Its oftentimes stated that 1% utilization is better than none, so that MAY be why you're denied.

@kevinadams9468 Ай бұрын

Fix your sound, bro.

@NaamWynn Ай бұрын

Fix your speakers bru

@justinguarino201 Ай бұрын

1. What if your income doesn’t increase… then what? They don’t give you an increase? Now why would I want to do that? Lol.

@NaamWynn Ай бұрын

If your income doesn't increase, you can still get a CLI. If you don't ask, you won't know.

@nagamaheshdulipalla4660 3 ай бұрын

Slow man why fast not even one word i am getting worsest felow

@JNguyen07Max 3 ай бұрын

Watch in slower speed on the video settings smart guy🤦‍♂️ you either level up or stay a victim...

@k.m.f369 2 ай бұрын

Dude he's fine. Some ppls brains can handle data quickly

@Ldj8000 Ай бұрын

Only credit you need is to buy a house... Credit is bad... avoid it at all cost.

@1policechases Ай бұрын

how do you buy a house w out credit… lmao

@robertweekley5926 Ай бұрын

@@1policechases - Obviously, you pay Cash! 🙄 However, If you are "Carrying a Credit Balance", for "Stuff", you are paying more & more for your stuff, due to interest! Essentially, a "Liability!" If you are using a Credit Card Cash advance, at 22% to 25%, BUT using that Cash, to Buy Very High Yielding Stocks or ETF's, that pay over 50% Yield, and using the Income from the Dividend to pay off the Cards Cash Advance, you have flipped from buying a "Liability" to buying an *Asset!" I wouldn't "Recommend" using a Credit Card for this, but, it "Could" work! A Personal Line Of Credit would be better, as it usually carries a Lower Cost, or Interest Rate!

@robertweekley5926 Ай бұрын

Credit to buy "Liabilities" is what you really are thinking of! Using Borrowed Funds for Proven Investments, on the other hand, like High Yielding Monthly Paying Dividend Stocks or ETF's, is an example of Buying an Asset, that can pay the Interest, & Principle, on the Borrowed Funds! The important part, is knowing your Financial Picture, and your minimum Cashflow, after other expenses, could also pay the payments on the Loan or Advance, as much as knowing the Dividends received could cover those payments!

@alinap7896 18 күн бұрын

The confidence you take in your work is really inspiring and amazing, special thanks The time and efforts you had put into deleting all inquiries and collections is beyond excellence. Take my cordial thanks! You are really an efficient, organized and result-oriented man Thank you for all the extra hours and extra effort you had to put on for getting this job done. I appreciate every bit of your effort. Thank you *Pecuniary Backdoors* for pulling this off so smoothly...

@mehmetrockci9023 13 күн бұрын