What Income SHOULD You Put On A Credit Card Application?

[@ScottMStolz]

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]

Cool thanks !

[@caroleappling2007]

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

[@ChaoSasuke]

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

[@pattycarol5191]

You're correct

[@HangNguyen-ih8rf]

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]

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

[@leanator7]

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

[@zabryant01]

@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]

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

[@renellbrenskill561]

@@PokeCommunity1 🤣

[@gerrywilson9162]

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

[@Lovelyyaubrey]

😂😂😩

[@jamielittles6197]

😭🤣

[@kylerwilliams6228]

Lmao. This comment made my day 😂😂😂

[@opulentlntrovert1214]

😭😭😭

[@firexallst4rz277]

🤣🤣🤣 yo I could only imagine that !

[@BudgetBill]

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

[@michaelleon4956]

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

[@Nestor535]

lmfaooooo

[@edmandell3064]

lol hilarious

[@Shaneebug25]

Michael Leon 😂😭😭😭

[@kw6724]

😂😂😂😂😂

[@milo_thatch_incarnate]

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

[@Mau5ing]

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.

[@KingKan]

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

[@johnburg6718]

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.

[@keithwagoner3140]

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. 👍🏻

[@SrWhitmore]

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]

DMV baby! Of course man!!

[@631knm]

Clarksburg in the house!

[@themothman3726]

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]

Based.

[@billluft6354]

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

[@mcomeslast]

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

[@HearMeLearn]

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

[@C4DemoN15]

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!

[@bufftammy735]

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.

[@s_b7797]

Just the vid i needed,appreciate all the tips

[@Jungernaut]

Of course boss!

[@jameltanderson]

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

[@towhomitmayconcern8866]

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

[@MRKLSHAW]

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

[@KCHURCH]

@@MRKLSHAWi you have good credit you dont

[@8806Erika]

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]

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

[@8806Erika]

@@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!

[@j-Rodd]

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

[@akaEch0]

2000$ a year? You sure not 20k?

[@makemoney6411]

For which credit card?

[@gaby7989]

My mom taught me to lie on credit card applications lmao

[@ChaoSasuke]

Shoot mine too 😆 let’s go mom!!

[@EatHustleFlowMG]

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]

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

[@ITAviation1]

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.

[@brockjohnson100]

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%.

[@n_andrews1370]

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

[@loriesavage8218]

Lorie savage

[@charlestilley2576]

Works for our President!👍

[@kristynabradley5994]

Lol

[@Theereelmee2]

💯

[@DONTCALLMETHAT]

Lol right 😂

[@JenniferPriceSmith]

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

[@Lisa.M.J]

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. 💯

[@pettit4513]

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

[@nunuzoldyck1231]

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

[@tinataylor4203]

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

[@jeorginasilva9703]

Content is A-OK! 💪🏽

[@Jungernaut]

Haha thank you

[@smoovemarc6172]

I just couldn’t stop looking at that cat

[@brandentempelmeyer4785]

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

[@tinataylor4203]

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

[@paullo2692]

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

[@clallen2000]

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]

Well said!

[@soysaucesushi]

Can you make a video on tax write offs

[@DanielIles]

Let’s see how crazy these thumbnails can get.

[@DomCOuano]

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.

[@yourmanzach2307]

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

[@kylesewell6128]

90K

[@micxploed]

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

[@rlwings]

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.

[@hectordiazherrera2566]

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]

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

[@TheGenius0]

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.

[@brandentempelmeyer4785]

Congrats on getting so big so fast with your channel

[@stylzgohardvip]

MAN I ABSOLUTELY LOVE DIZ VIDEO

[@bullittsandbullets1821]

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

[@Jungernaut]

Thank you bro!

[@gwapo1970]

Credit card companies can do income verification requests and if what you put on the application doesnt match your tax returns they can close your accts its called a 4506t form,

[@charlesrattley80]

Well they got alot of verifications to do on me

[@flickdurbean]

What a fear mongering douche u don't even know who does tht its Amex butter cup

[@JP-babe-girly]

Charles Rattley 😂😂😂😂😂😂😂

[@kw6724]

Charles Rattley 😂😂😂😂

[@averagejane2688]

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!

[@MXALOVE]

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.

[@seenso]

1:59 cracked me up lololol

[@bonchance7705]

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

[@tyrans911]

Kay Lou 😹

[@JRThirdyTV]

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

[@MoDavI-sl7iy]

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

[@makingithappen3660]

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

[@charlesrattley80]

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

[@aytacboduroglu4448]

one thing I did when applying for credit cards is that I included scholarships and grants that I was getting for college, that alone accounted for about 10 grand a year so I was able to confidently tell them that I was making 35k a year. This enabled me to get credit limits of 3000 at chase and whatnot.

[@cliobhabie]

Whaaaaaa?!

[@EricHammond01]

I love ur vids it's amazing!

[@Soccerplr87]

Great video Brian!!

[@NatePolmateer]

So these original videos are amazing! lol

[@Jungernaut]

Thank you!

[@hunterlogan7378]

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

[@younganointed1928]

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

[@thebryceisright4851]

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

[@Inspirationhills]

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!!

[@rebeccahawkins3468]

Great, I was able to pay off my mortgage loan and also increase my credit scores in 5 hours.

[@feliciaharveyfh]

How? Do tell what steps you took to make that happen?

[@thorish5033]

@@feliciaharveyfh woosh

[@d05wtt]

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

[@mygodisable2]

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

[@Jungernaut]

Welcome!

[@victorliu5665]

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

[@mitchellquartero]

Awesome video thanks appreciate it

[@Teresa-xq5ut]

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]

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

[@bamfamfilms]

Answered my question exactly!

[@Lisa.M.J]

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

[@zerofiggz4005]

theres no led lights under a rail in this video.... better be the real Brian Jung, haha jk thanks for keeping the info coming!

[@seanmmcgowan]

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

[@DaughterofSarahisreal]

The burp cracked me up ha ha

[@SteinerSE]

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)?

[@WBFbySteefen]

When do you take your shirt off? The thumbnail showed you with your shirt off. Nevermind, I found your Bahamas video.

[@brendalovesmariah]

I have 6 credit cards , I started Getting credit cards last nov, my credit score was 624 now its 705, trying to reach 750

[@jermainemason3352]

Any tips??

[@brendalovesmariah]

@@jermainemason3352 my tip try to find out when your credit card is due and what day is its reporting to the credit bureau and when you find out pay your bill 4 days before and always pay your credit card in full , and keep your credit usage under 10%

[@jermainemason3352]

BRENDA thanks for the info

[@paulstein9258]

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 ?

[@williamjoyner3768]

Lmao we had class together I can’t remember what class but we definitely had one together 😂😂😂

[@SleeplessSoup]

I recently got a life insurance payout, would I be able to use that as part of my income when applying for my credit card?

[@jeremyf9124]

Yes, because it's money that could go toward paying the credit card bill.

[@funsizedi88]

Yes. If u pay taxes on money you are getting, then you can consider it income.

[@deezama9343]

please do a full video on step by step on what to put down , like years of location , monthly income, annual income , job title, rent or own and how much you pay a month... we need this info.

[@jeremyf9124]

Credit card applications aren't that detailed. It's mainly your age (you must be 18 to agree to a legally binding contract in the USA), your social security number (to check your credit score) and your income (generally there is no verification of this). The decision is by their computer in a few seconds. If you can't get approved, get a secured card for a year or two first, then a regular card from the same company.

[@tinataylor4203]

Jeremy F that’s what I did started with BOA secured, unsecured after 8 months, then got Discover unsecured. Waited 6 months then American Express

[@sav0405]

wells fargo called me when I applied for the propel card to verify my income...

[@EMILJANO11031986]

penneyhackcreditfix · cøm

[@DanDanNotPlural]

sav0405 how much did you put you make ?

[@Mizzvaniti]

I just got it thankfully they didn’t request me lol

[@LisaLisa-mx3hq]

Well if they called you just "verify" Yes! Lol

[@Iamdoinme]

Very Good Info!

[@cesarramirez2820]

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

[@knguyen7288]

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!

[@gd2341]

Thank you!!

[@toothybj]

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

[@ggermany2123]

2:30 Can you say "credit card fraud"?

[@Leandre22_02]

I did for a secured credit card but I never lied for my unsecured cards🤣

[@patriciarodgers4182]

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!

[@minimumwagemillionaires]

When applying for a personal credit card do you use individual income or household income?

[@Shaneebug25]

You can list any income that you have access to. Ex: parents, spouse, child support etc This is perfectly legal

[@cassandrarayford2309]

Makes sense....Thanks!!

[@giselleb6813]

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.

[@shujayethossain6554]

Does Chase run financial review? I heard only Amex does that

[@seanwatts392]

No I don't think so

[@nickmadle5765]

Amex does 100% but chase could anytime. Any credit card company could randomly choose clients to be out under financial review but it’s not super likely only if you are doing weird shit on your credit cards like buying expensive things and returning them to lower the monthly balance

[@rayreggie03]

@@nickmadle5765 Amex does sort of. They lowered my available credit and told me I had to pay down my balance or provide proof of income to get it back. I just paid it down, they gave me my credit back and have had no issues since. I learned not to carry balances on those.

[@nickmadle5765]

Reggie Ray yeah Amex is way different, any bank/credit union can do what is called a financial review. Amex is known for doing them

[@yugihlh]

If you feel like you make 200K, who knows

[@Lovelyyaubrey]

Feelings can be misleading lol 😝

[@troyboyd4396]

Teresa Rice I feel for you. So what does that mean?

[@staryr011]

Eyyyyyy, DMV! I live in Gaithersburg, cheers!

[@donnajohnson3792]

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 : )

[@erickperez2377]

Nice ending song

[@alanpearsall9589]

The whole apartment complex 😭

[@EPICWILDETAILING]

15:12 the recession is NOW

[@cesarsandiford4917]

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

[@macnvettes]

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.

[@angelinimartini]

I just had the question earlier last week on if to put down gross or net… they never specify…

[@justinambrose3107]

Your face tho🤗

[@tajneeley]

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