When To Apply For Your Next Credit Card?

[@dryden40]

you should make a video of all the credit cards you have, and the thought process you had when applying for each card

[@feliciaharveyfh]

Johnny To he already made a video title 15 credit cards or trade lines or something similar to that. I learned a lot and it was funny as heck.

[@TimPetty19]

Hm poo

[@mcomeslast]

Yes. Great advice. Biggest thing I have learned is slow down and take time to garden between “harvests”. I will apply for a couple cards at a time, but have found, for me, waiting almost a year between rounds works the best. Gives them time to see I’m actually using the card(s) and I can decide what is really working for me.

[@IkaikaArnado]

It should be 3 to 4 months per card, on average, with the current rules. That way you can recycle bonuses. The churn cycles are 4 years. Unless you have crazy high cash flow, and don't care about your credit, it's a better idea to pace applications. People that are impatient shouldn't play the credit card game. It's a marathon not a sprint.

[@cab9191]

My wife and I each apply for a new card every 6 months (allowing for a new card between us every 3 months)... makes for a good pace that earns plenty of points yet still conservative...

[@christianlodahl7489]

I typically wait about 5 to 6 weeks utilization is huge if you rotate over several issuers keeping everything under 10% you're typically good and you're establishing a responsible relationship with these issuers and their products

[@eric.c.jackson]

I only want five CCs. Last week, I got made it down to one line of Debt left on my Credit Report, so now, I'm looking at rebuilding my Credit Score. Last week, I applied for 4 CCs (on the same day) and was Approved for three. I will wait a few weeks to receive the Cards and begin using them before I start looking around for two more CCs. I was thinking of places like Best Buy, Target, Walmart even, because I Shop at these places the most. Hmm, perhaps a gasoline Card like BO or Amoco ..I'd definitely use that Card. When I was in my 20s, my CCs got way outta control. Once I finally paid them off, I hadn't used one in years. Now, I'm ready to responsibly manage them. Thanks for the Links. I'm only Applying for Cards with No Annual Fee. :)

[@johnsonsmith3976]

Thanks Sandra for connecting me to *mikeskyler* on telegram I got my too just off recent it cool legit no he’s great💯

[@chnaresh011]

6:27 Golden words for me. I like this guy.

[@JazminBautista]

Exactly!! It all comes down to understanding how to take advantage of these credit cards! Keep up the good work ❤️

[@stacked3112]

Jazmin Bautista my credit score just hit 804, I’m hesitant to apply for anything 😕

[@iPodKingCarter]

I will be starting fresh with this method.

[@Jungernaut]

Ayeee the iPod king 🤘🤘

[@iPodKingCarter]

Brian Jung been watching a lot lately, you got the gems

[@Jungernaut]

iPodKingCarter haha thank you so much my brother ❤️💪

[@lotto5742]

Just got approved for an American Express everyday card with a $1000 limit.

[@notosure2148]

I received three hard pulls in the last year. New Years Day - 1st card February - 2nd card And an auto loan just last week. However I got 4 new cards during this time. AmEx pulled for the first card on New Years, then in March didn't pull for my Blue or Gold cards I applied for (and got). February was for a Chase Card. For 12 years I ran a single card, before learning how the credit scoring actually works. And now I went from low 700's (690-710) to low 800's (790-810). With the three hard pulls on my account. Totally worth it!

[@jared997]

Amex doesn't typically do hard pull after first card

[@BruceM8]

Hey Brian, thanks for the video. I've been in this game a little over a year and have about a dozen cards at this point. I mostly follow your practice in terms of spacing of applications. I now seem to have hit a brick wall, in that all the cards I am now after have either been denied or it's clear I can't get, because of the issuers' concerns about the number of cards I've opened in the past year or my existing credit limit total. I can't get any BOA or Wells Fargo cards, and Barclay appears to have a 6/24 rule. I've already got all the AMEX cards I want, and most of the Chase cards I want, and Citi apparently won't give welcome bonuses for 24 months if you've recently acquired another Thank You point card. I suppose it won't kill me to take a pause, but it's a bit frustrating. I have a TransUnion score of 829 and keep my pending balances low.

[@johnsonsmith3976]

Thanks Sandra for connecting me to *mikeskyler* on telegram I got my too just off recent it cool legit no he’s great💯

[@tubbycustard8866]

only a year and about a dozen cards?? bruh you need to take the foot off the pedal, that's more than enough cards. If you truly have a score of 829 then you literally are fine, 850 is the max...

[@edwardehunt]

Hard Pulls doesn't really affect you, I have 12 cards with 180k worth of credit, average account age is just over 3 years, and my score is 811. With 8 pulls in the last 24 and 6 pulls in the previous 12... no business cards... yet... working on my first one now

[@sbrooks904]

I miss when the page was like this but I respect the growth

[@romyr6846]

I applied for the chase sapphire 2 weeks ago after yrs of not applying for cards and fixing my credit and I got it! my credit score are in the 700s now...I also have an Amex since 2016 that I’m finishing paying and they increased my credit limit a few months ago.... Now I’m trying to hit that shapphire welcome bonus... then I might apply for Amex gold card in dec.. let’s see.. perfect for Christmas...the only thing is that I have a lot of student loans....

[@josephgulledge1873]

Just to add a data point. I got the chase freedom in late July 2019, IHG early Aug 2019, CSP 11/20/19. I was a bit worried to apply for the CSP but got instant approval. Thanks for the great content Brian used your referral link for the CSP brother.

[@daveco3217]

Joseph Gulledge I did the same thing almost just also have freedom unlimited

[@grayorganization]

Would love some feedback on my situation. Applied for CareCredit at the beginning of September and was approved for $2,500. Ive been really wanting to get the Amex Gold for personal, and one for my business. How long should I wait for before I apply for these Amex cards?? Also can I apply for my personal and business in the same day? Or should I also wait between those applications?

[@em79em]

1 new card per about 6 months, not more than 2 in a year time.

[@ReplyIfYouWentToDiddysCrib]

em h I applied for 3 in the same month

[@em79em]

@@ReplyIfYouWentToDiddysCrib that's great for you! He asked us to let him know how we do it, thats how I did it. It wasn't my advice to anyone

[@ReplyIfYouWentToDiddysCrib]

em h oh ok I went straight to the comments before watching the video lol

[@zerajnimegroj3012]

em h how old was your first card before you applied for your 2 nd card

[@zerajnimegroj3012]

And how many Inquiries did you have

[@Nwakaego_]

Your videos remind me of Bethesda, MD. It’s luxury, relaxing and so mellow there. That was one of the few places I enjoyed visiting during my time in the DMV. Keep putting out great content Brian. We newbie credit card users to the Chase and AMEX game are learning so much. Appreciate you man!🥂💯

[@dustinnguyen5901]

This is the video I needed! I was approved for the CFU on 9/2 and have reached the sign up bonus, I was looking to apply for the regular chase freedom next :)

[@TheWallStreetVibe]

Good video bro. I typically wait about 45 days but I've pumped the brakes on applications until next year.

[@plentywater773]

Do you have to pay in full before you apply for another card with chase ? Example you have freedom unlimited, you max it out to hit minimum spend...do you have to get it paid in full before you apply for sapphire ? Or it does not matter if you still owe on one chase card to apply for another chase card

[@plentywater773]

Mohammed Saber thanks

[@chrisbrown8748]

Ok you’ve talked me into applying for the CSP lol. I got approved for my last Chase card on 8/7/20 which was 9 weeks ago from today so I think that’s more than enough time. My score is very good and my utilization is excellent so I should be good 🤞

[@cp3onmtv963]

did u get it?? What score were u pulled at?

[@nareshsookraj9230]

Thanks Brian! I recently applied for the Chase Freedom unlimited and I've had my Chase Freedom for a month and after that month my score actually went up so I was feeling a little bit confident, maybe too confident I got denied lol

[@bubblebubbleboyboy]

Hi from HK, yes you’re right, no need to rush....TWO THUMBS UP!! I wait till I clear all outstanding balance before I apply for the next one..... sometimes takes a year and a half......

[@thorish5033]

I'm less worried about hard pulls than I am about the average age of my accounts... What are your thoughts on this? I only app maybe every 6 months or so, sometimes longer. Do you think it would be better to just take the age hit in a short period of time and then garden?

[@alexaceves1836]

i rather take an age hit, bc even tho your history goes down. your available credit and number of accounts goes up. which outweighs the drop in score depending how old/how many lines of credit you have

[@jameshansen8931]

I applied for the Chase Sapphire Preferred and American Express platinum card 10 days apart and was approved for both. But I have a high income so that probably helped.

[@jiajianhou426]

I applied for 3 cards in 3 weeks and got all 3 welcome bonus in one month. Had to spent $10k and I did. All actual necessary spend.

[@pugluvnapril79]

I plan on waiting about 3 months before applying for my next card because I applied and was approved for two in the same day last month. In May, I plan on applying for my first Chase card.

[@dillondawgs1]

This guy is AWESOME! He definitely helped me build out my chase cards and I'm going for business cards next. Shameless plug I just released a video on credit score and how it breaks down I would love feed back and I am just starting out. But fr though Brian is THE MAN hands down.

[@gonzalesg0221]

I've gotten 11 Cards in 4 months. Started the credit card points game May 22 with the CSR and in the past 4 months have gotten the Chase Southwest Priority, IHG, CIP, CIU, CIC, AMEX Plat Biz, Green Biz(upgraded to Plat) Delta Plat Biz, Hilton Honors Biz, and Citibiz AA plat. Im ready for another chase biz card but fear the shutdown.

[@Picwajzzz]

Yoo thats bananas my guy, congrats! Did you get you Chase inks on SSN or EIN? How long did you wait between applying for CIP CIU and CIC?

[@pimpinisanoncontactsport2096]

I gotta ask why in the world would u apply for that many cards?

[@gonzalesg0221]

@@pimpinisanoncontactsport2096 I've racked up ove 500k points from various points programs from the welcome bonuses from those cards paying my business and personal expenses and still don't carry any intrest bearing debt. So it basically equals free travel

[@pimpinisanoncontactsport2096]

gabe120 got you. Can u educate me on this then. I don’t need any credit cards rather I want to build a relationship I have the freedom, ink, discover, citi Costco and Capitol one. But all paid off. I was thinking of the Amex platinum but not sure. I want the card that give me the most bacc (with a reasonable annual fee) what would u recommend and why? Thanks

[@gonzalesg0221]

@@pimpinisanoncontactsport2096 depends on your quarterly spending, but I recommend looking into chase cards while you're still under 5/24 and see which offer your situation the best benefits

[@TheMglbumba]

How many hard inquires do people in the late game usually have? since inquires usually last about 2 years.

[@527ctguy]

I have been getting cards every 2-3 months since 2015. I space them out getting one business card, then one personal. I spend enough to get the bonus points then move onto another card. I track them all on an excel spreadsheet ensuring that I cancel them before 1 year is up so I don't to pay the fees. I try to space them out so I don't get turned down by chase and keeping track on the spreadsheet helps. Remember only the personal cards count towards the 5/24 rule. But if you have 5 personal cards in 24 months, chase may turn you down for both business and personal cards. I have three cards that don't have annual fees that I have had for 10 years. This helps to keep my credit score high. I like to travel so my goal is to try to never pay for airfare for both me and traveling companion.

[@Lisa.M.J]

Timing is essential...a lot of people rush into things they either don’t understand, or straight up can’t handle.💯 It’s so true. Man...this video started droppin’ truths about more than just credit cards 💳 ! 👍 Either that, or my philosophical self is seeing meaning in everything now. 😁

[@TheMinistevo]

i got a Discover, apple and citi double cash all within a month.

[@MoMo-00]

I usually wait about 6 weeks of I've finished the previous sign up bonus. The shortest I've waited between cards (both Chase) was 3 weeks.

[@AshYoung8]

Best KZbin channel I’ve come across in the last 5 years. You’ve helped me so much. Thanks my brotha.

[@Jungernaut]

Thank you bro!

[@johnsonsmith3976]

Thanks Sandra for connecting me to *mikeskyler* on telegram I got my too just off recent it cool legit no he’s great💯.

[@briangarcia993]

I hope someone sees this , but I’m just getting into credit building and learning more about it , I currently have a card and it has been open for a little over a year . My score is in the 750s. What would be a good “next step “ card ? Would it be too early to apply for a AMEX Gold?

[@jackiejackajaque0734]

There’s no set time limit for me. Rather, I ask myself how useful and beneficial the card I want would be for me.

[@jonb3189]

On the topic of "when applying for your next CC," could you please do a video on `how and when to churn CCs` to get the initial bonus of 80,000 to 100,000? Example, if you wanted to churn the CSR card, you need wait four years after the bonus. Then can I assume that after 4 years and 1 months you cancel / downgrade the card , and then a month or two later just re-apply for the same card? Would it be better to perhaps apply for the Preferred card and then after a year upgrade it? A step by step guide to this would be helpful. If I did this with all my Chase CCs, my points would absolutely FLY.

[@Sugondeesnutz25]

Love your videos man! Got accepted for the gold American Express card next will be the platinum 🤩

[@Klikklikboom0911]

I got approved for the Amex Gold card and my credit took a 64 point hit... is this normal??

[@greenbun]

D If it’s your first or second card, it wouldn’t be uncommon. The more cards/credit lines you get, the less affect each new hard pull will have on your score. When Brian applies for a new card, he probably only sees a 2-5 point drop now because he has such a solid base of cards and it will jump back up in a month anyways. The more accounts you have = the less affect new inquires will have on your score.

[@Klikklikboom0911]

Nicholas Robbins thank you for the reply. Do u happen to know if the Sapphire preferred is a credit card or charge card like the Amex gold?

[@wingjoint2663]

I have a 0% bt offer from chase with 4% fee. I want to do this to pay off my amex loan. But I also want to get the ihg and aa miles up for the grocery spend. Any suggestions on steps or order I should take to get these? Bt offer is on freedom and I also got csp about 3 months ago

[@jared997]

Best is if you can get on business card as debt to income ratio is not a factor for business credit report

[@arcticsnookums]

Hi Brian, what would be the your timeline if you were to have an Amex Gold and wanting to apply or upgrade to the platinum card?

[@johnsonsmith3976]

Thanks Sandra for connecting me to *mikeskyler* on telegram I got my too just off recent it cool legit no he’s great💯

[@YobyDrenKlownLOE]

I wanted to get a cc with my bank and i finally got Approved for one. 💪🏾

[@johnsonsmith3976]

Thanks Sandra for connecting me to *mikeskyler* on telegram I got my too just off recent it cool legit no he’s great💯.

[@sergioolmos2353]

I've been good with 3-4 months with different issuers.

[@albertcastro409]

Keep sending the good videos. There is good stuff you teach out there.

[@johnsonsmith3976]

Thanks to this guy *mikeskyler* on telegram yesterday and I tried him he is real💯✅

[@mingziwu2250]

Does CSR card works in LAX lounge?

[@mrbryanl]

Great video. What if I had a charge off with a credit card company about 10 years ago is it safe to try to apply for a card with that company say for instance Chase?

[@mauriceellis4511]

Yes u can

[@HockeyJock]

Chase, maybe. But not Citibank. They are known to blacklist you even decades after a personal bankruptcy for very small amounts of debt.

[@jasminejune1983]

Does this apply to business credit cards as well?

[@DanielIles]

The gang is out here watching till the end just to hear that outro song

[@johnsonsmith3976]

Thanks Sandra for connecting me to *mikeskyler* on telegram I got my too just off recent it cool legit no he’s great💯

[@ZeekDreads]

once i get my sign up bonus....and the card has an annual free, should i close that card? or should i downgrade it and just not use it and would that hurt my credit score

[@Jungernaut]

This video will help you out boss kzbin.info/www/bejne/ZqHaaZJrfLepiLc

[@joeysok2366]

You get annual free why would you care? Just keep in the draw or just use it once a year.

[@Thacldriva]

Applied for the Apple Card , Amex gold and the CSR all within the same month. I’ll enjoy my cards and re apply for the Amex platinum and CIC next year next around the same time. Then God willing, dumb down my CIC after the points are earned. I’m new to this credit card game and I’ve had the same cc with a 13k limit for YEARS. So these companies have been on my heels to join them for some time now.

[@doelmarrero5150]

Got the BPPR Premia card, Chase Freedom card and amex blue cash card all in 3 - 4 weeks of difference from each other.

[@paulajohnson6409]

What is the limit on hard inquiries to have a good credit score? And what is the best time of the year to apply and get accepted?

[@alexaceves1836]

there’s no real “limit” inquiries/hard pulls aren’t that big of a deal UNLESS you apply for credit too often (every 1 month for example) and that can bring down your score a little bit it can also decrease your chances of getting accepted for the next line of credit. so there’s no real time of the year where they accept more, it’s just an algorithm whether you mean the requirements or not that determines if you get accept

[@styles10155]

If your active duty military you can get your amex card annual fee waived.

[@mindsinmotion2825]

Thanks awesome

[@johnsonsmith3976]

Thanks to this guy *mikeskyler* on telegram yesterday and I tried him he is real💯✅

[@jeorginasilva9703]

Another quality content!! 💪🏽

[@cv2733]

Awesome video!!! Very informative 🙏🏽🙏🏽

[@jsbatra]

ive been rejected twice by Chase for 5/24 in the last 6 months. last one about a month ago. they clearly cited 5/24 when i called the Recon line and said that there was no way around 5/24. even the manager said the same thing. I did not go to the store. i do have 2 chase cards but checking or savings with them. All my spending goes through Amex now. i prefer them anyway but wanted the Sign on bonus.

[@Aneshbhatia]

How long should I wait to apply for my second credit card. Three months?

[@johnsonsmith3976]

Thanks to this guy *mikeskyler* on telegram yesterday and I tried him he is real💯✅

[@Dapperguy17]

Exactly the video I needed Brian. Looking into the getting the Freedom after getting the CSR about 5 months ago. Kinda working my way backwards through the chase trifecta it seems haha. Why is whenever I have a specific question about applying for a new card or comparing one card to another, that always seems to be the very next video that you put out!?

[@johnsonsmith3976]

Thanks Sandra for connecting me to *mikeskyler* on telegram I got my too just off recent it cool legit no he’s great💯.

[@rovshennurmyrat2821]

Thank you 👍

[@edwarddisotto1754]

Thanks for your advice !!

[@memodawg198700]

I 👀 you growing out the goat tee, bro!!!👍

[@johnsonsmith3976]

Thanks Sandra for connecting me to *mikeskyler* on telegram I got my too just off recent it cool legit no he’s great💯

[@702Overlanding]

Does the 5/24 count if you are authorized user on a creditcard? I'm authorized on my wife's creditcards but for individual I have 4 in the past 24. Will I be ok??

[@23bgrant]

MrVrod702 great question , hoping to get an answer too

[@rmcgraw74688]

@@23bgrant yes it does count towards 5/24 ......

[@memoryigo]

I wait till i hit the minimum spend bonus on a card before i apply for something new just my personal preference usually takes 2-3 months

[@johnsonsmith3976]

Thanks Sandra for connecting me to *mikeskyler* on telegram I got my too just off recent it cool legit no he’s great💯

[@jewriscanela9726]

I just applied for a discover card and got accepted. But want apply for a capitol one card. How long should I wait ?

[@kevindo3365]

Hi guys. I currently 4 credit cards including chase sapphire preferred. My freedom unlimited application is pending. Can I apply for Amex gold while application is pending?

[@kevintom2560]

what if you get rejected do i have to wait for 24 months and another question is on their system is it saved my information like if i reapply and put a different income so i can get approved.

[@johnsonsmith3976]

Thanks Sandra for connecting me to *mikeskyler* on telegram I got my too just off recent it cool legit no he’s great💯

[@shouse5373]

What's up Brian I'm just getting into learning about building credit and have went from a 597 to a 703 in about 45 days from watching you and a few other guys. My question is when is a good time for me to start putting in for prime credit cards ?

[@jared997]

What cards did you get at 597? My mom is around there and thinking about store card since not sure who else would approve her

[@NoLifeJoel]

@@jared997 Discover it Secured, Capital One Platinum Secured, or a Credit Builder's loan maybe. Getting an actual line of credit will probably just get denied at that score.

[@jared997]

@@NoLifeJoel store cards are easier so will have her try there first. Although she did get an offer from credit one Haha jk

[@darkmagician1710]

@@jared997 what I did when I was around that score (score had dropped from low 700s to high 500s due to a collection) was took out a loan and continued to use the credit cards I already had. Within about a year and a half I was back into the 700s with the collection due to positive credit history and low utilization.

[@Ohiolegend7]

My dad raised my score to an 800 but I don’t have any work history but I want to get a cc to build a business what the best route to go

[@Andrade_USA]

good point on the hard inquire, how about if someone hasn’t applied for any cards in about 2.5 yrs and oldest credit line is 6. A new account deff messes up the age of credit how important is that factor ?

[@23bgrant]

Cristian a new account would cut your age in about half since you only have 1 card.... but for the long haul you’ll have to do that regardless to get a firm credit foundation to build on. I would look into a card with no annual fee that has decent/good perks so you can keep it for years and build with it.

[@miguela9878]

in mexico you need to wait 6 months to apply for American express card if you get denied

[@miguela9878]

or thats what amex saids

[@cfgpropertiesllc7292]

I was told by my Chase bank manager, if you have a balance of 250K or more the 5/24 rule doesn’t apply.

[@Jungernaut]

I’m not so sure about this one. I never heard of income creating an exclusion to 5/24

[@cfgpropertiesllc7292]

Yeah I’m not sure either.

[@johnsonsmith3976]

Thanks to this guy *mikeskyler* on telegram yesterday and I tried him he is real💯✅

[@MissionaryMiller]

wait so when I apply for another card doesn't it drop my credit a little? I've had my first for like maybe 5 months now and I wanna apply for the Apple Card and my score is 725

[@alexaceves1836]

please don’t tell me you got the apple card, it’s probably one of the worst and overrated credit cards out there. there’s a bunch of better credit cards out there

[@JPFrags]

Hey Brian, I’m at 3 credit cards I’m still under the 5/24. I really want the freedom unlimited card but I don’t think I’ll get approved. My Fico score is above 700 with Experian but I have too many inquiries from when I purchased a car earlier this year and I don’t have long credit age or history. What are your thoughts?

[@marianoperez5218]

jecarri pikes im in the same boat bud

[@Zaycream21]

I bet you would get it if you have enough income and getting denied, just call them up and explain the inquiries about the car purchase. 700 is a good score for that card

[@ladygagarocks21]

If it’s within the same issuer I wait 3 months if it isn’t I actually wait longer 5-6 months so I can stay on the good side lol I currently have no chase cards and looking to start and am under 5/24 and should I go for the freedom or freedom unlimited?

[@johnsonsmith3976]

Thanks to this guy *mikeskyler* on telegram yesterday and I tried him he is real💯✅

[@copperfa1172]

my question is should I wait from the inquiry date or the account opening date?

[@laniedav8078]

I waited 6 months and then confident I decided I would wait a couple of weeks. The 6 month one was an upgrade. 😎

[@LaurenPurser]

AHHHH love that ending song!!!! Haven't heard that remix yet

[@darealphantom]

If I’m building my credit back up over 700 (paying off student loans & medical bills) I’ve only had one credit card a discover secured in 2016 but closed it. Should I go for an amex, chase sapphire card or a starter card? I have about 6 years of history

[@bryannavar2557]

What made you close your discover secured card ?

[@darealphantom]

@@bryannavar2557 discover is better than capital one that’s all

[@mrcbrrr7484]

I applied for a chase freedom got approved right away and I tried to take advantage of the hard pull and right after tried to get a increase on my freedom unlimited and was denied.. what are your thoughts on this?

[@125henni]

Should i be paying off multiple cards at one time to increase my score quicker?

[@johnsonsmith3976]

Thanks to this guy *mikeskyler* on telegram yesterday and I tried him he is real💯✅

[@MelissaRodriguez-rk3jv]

How high does your credit have to be?

[@Anthonyjones-pq4ff]

Just apply for the Amzon prime card pre approval in was turned down in turns out it was a hard inquiry Was at 735

[@Zaycream21]

Dam throwing up those signs heavily! Lol...

[@johnsonsmith3976]

Thanks Sandra for connecting me to *mikeskyler* on telegram I got my too just off recent it cool legit no he’s great💯

[@green-ch6qj]

What camera you use for your videos bro?

[@roczillacarley3208]

I got approved for a card last week it’s on it’s way and I want another card is it okay to go after another card I’m trying to establish good credit!

[@johnsonsmith3976]

Thanks Sandra for connecting me to *mikeskyler* on telegram I got my too just off recent it cool legit no he’s great💯

[@zascorpusa]

Your Facebook group is closed. Can you tell us how to get credit reports updated if your credit was stolen. How do you update your credit?

[@johnsonsmith3976]

Thanks to this guy *mikeskyler* on telegram yesterday and I tried him he is real💯✅

[@michaelcampanella36]

I wait like 8 months. Just hit my CSP bonus. I’m waiting to go for CFU & CF

[@mindsinmotion2825]

Nice

[@johnsonsmith3976]

Thanks Sandra for connecting me to *mikeskyler* on telegram I got my too just off recent it cool legit no he’s great💯.

[@TheNuclearbullet]

So I just started getting interested in maximizing credit card bonuses. I have excellent credit and only a couple of cards I got years ago. Last week i applied for and got approved for the chase sapphire preferred, I want to get the freedom unlimited as well for the 1.5x back on all purchases. How long do you think I should wait to apply for it? I only applied for the CSP and got accepted and it would be my only other card inquiry for a few months until I cave and get the chase freedom to do the trifecta. But I have alot of expenses coming up quickly I would like to use the unlimited on as well. I'll be able to get the sign up bonuses fine.

[@cab9191]

What did you end up doing?

[@johnsonsmith3976]

Thanks to this guy *mikeskyler* on telegram yesterday and I tried him he is real💯✅

[@Impulzive105]

Thanks 🙏

[@md.fahimalam7481]

Hi I need a help. I applied for walmart credit card and I got walmart store reward card. not the mastercard. so I want to apply for amazon reward card. can i apply within 1 week? or should I wait?

[@johnsonsmith3976]

Thanks to this guy *mikeskyler* on telegram yesterday and I tried him he is real💯✅

[@deanojet2991]

I might apply for 2 cards a year

[@johnsonsmith3976]

Thanks to this guy *mikeskyler* on telegram yesterday and I tried him he is real💯✅

[@jm4020]

I have a lot of spend coming up before the end of the year. Trying to manage filling up my 5/24 while hitting all the bonuses. IHG, Hyatt and Freedom are what I want. All while finishing off an amex bonus of 3k spend I got 1 month ago, it's so hard not to apply for the other cards.

[@officialthreez]

Video helped me out alot, I was afraid that I had alot of hard pulls that that would tie in with the 5/24 rule, im glad it doesn’t because I want that Chase Freedom Card

[@Colejustin5675]

So I got the chase freedom card about 5 weeks ago and after a month of having the freedom I tried to get the CSP but got denied. How much longer should I wait before I apply again?

[@josephgulledge1873]

Do you have a $5k limit on any card you have? I have heard Chase requires atleast a $5k limit for the CSP and $10k for CSR so they may not approve unless you have that on another card already.

[@Colejustin5675]

Joseph Gulledge no I only have a $500 limit on my capital one platinum (that I’ve had for 7 months) and a $1000 on my chase freedom. So what should I do next because I want to get the chase cards first.

[@brotherkenwin7159]

Chase is going to look at your history with them you're probably not going to receive that car unless you have long history with Chase if you don't have a minimum of $5, if you have another Chase card you you can combine both of the limit on one cardif you have another Chase card you you can combine both of the limits on one card I do this now on my freedom unlimited I have $28,000 on one card

[@HockeyJock]

Chase’s concern is you haven’t had a limit this big yet. The $5K for CSP is not a Chase requirement, but rather a Visa requirement. Same with the $10K for CSR, it’s a higher tier of ‘VISA’ benefits. I’d probably try to get Capital One to give you a credit limit increase to $5000, then wait 3 months and re-apply. You need to show Chase you can responsibly handle a $5000 limit and the easiest way is to work with the lending relationship you already have. If Cap One won’t do it, get a secured card and keep adding money to it and take the “manual” route.

[@hawgstar_4924]

Does 5/24 apply to inquiries or to acceptances by the issuers?

[@DayanaPlays]

I love credit cardss 💸💶💳

[@johnsonsmith3976]

Thanks to this guy *mikeskyler* on telegram yesterday and I tried him he is real💯✅

[@jesusrodriguez1148]

please do video on how to apply for credit cards after bankruptcy. DO's and DONT'S

[@alexaceves1836]

just apply for the very low rank credit cards like capital one or discover SECURED credit cards