Exposed! Discover is Better Than Capital One

[@wblake22]

My discover it graduated in 6 months, but I don’t get the 5% cash back like the unsecured card. Also I heard with capital one you have to use use over the limit of the card to show you need an increase. Example like if your card have a $200 limit. Spend $400 to $600 or more to show you need a bigger limit. I don’t know how true that is but will try that approach and see

[@yossibraver5330]

Worked for me! I actually spent over the limit not to much just a few dollars to trigger the massage that I'm over the limit and paid it back it should not be on the statement

[@wblake22]

@@yossibraver5330I think that is the key to getting a capital one increase. What’s the point of giving someone an increase if they’re not using the small limit they already have.

[@Themoneyteam24]

This worked for me as well. I kept maxing my card and paying it off in full on the statement date to keep my utilization at 0% and I got increased in 5-6 months

[@hyshence]

It works…

[@canubeleiveit]

I had a 200 dollear secured that they changed to unsecured and upped the limit to 450. Moving right on up the ladder,nothing can hold me back now😂😂😂😂😂😂😂

[@bobbyjohnson6052]

Love and appreciate your videos brother.

[@daciasdiy1861]

So capital one wants to buy discover? Will they behave the same way they so with capital one, of so I'm out !

[@drewbny78]

great youtuber. his advice really works!!

[@wickedlynaughty7352]

Such good information. Thank you!!!

[@MV-nt4bq]

My oldest account with capital is still at 750 almost 6 years later pretty pathetic

[@Hand_me_a_handle]

I've got a capital one from $500 to $3000 within a year after bankruptcy.

[@jamesrocco2401]

Credit One is even worse.

[@sod_shin5874]

idk man, i got my first credit card the past 3/2023 with CO was the platinum, with 500CL , right now i hav 7 cards, 36k total CL , and CO gave me 3.5 CLI on december, right now, my lowerst credit card is in chase with 1000CL and i got it at the same time, and i just hav 1 year and some moth of credit history

[@terevagailes1146]

I love your videos, very informative. I have good, not excellent credit. I do however have the Savor One card and plan on getting the Venture X eventually. In the meantime I'm going to give my hard inquiries time to fall off and increase my credit score.

[@BlackSted]

The one about the chickens clucking in the BG just killed me. Whoever that person was talking to with C1 is probably a phone scammer. I dealt with that years ago, the person claimed to be from Publishers Clearing House (PCH) saying that I won some $$ and I asked them why I hear chickens in the BG, then that person hung up.

[@yusefinc1096]

Cap One is weird. Got a platinum card as my first card with a $300 limit 12/2022. That card has a $800 CLI now. I also have a Savor card 10/2023. Starting limit $1k. Currently a $4k limit. Auto bump of $3k in April 2024. Got a Discover secured card $300 limit 12/2023. Used it constantly and paid the balance off in full every month. Decided to put another $200 on my secured limit to make it $500. Graduated after 6 months and they bumped me up to $2k. Currently at $3k and I believe it is because I currently have been carrying about a $1200 balance average for the last 5 months. I plan on just paying the balance in full within the next 3-4 months. Now my average starting credit limit on new cards is about $5k. Also…I always have my TU frozen. Capital One has still approved me for my Savor card.

[@tyog6821]

Got a capital one secured card about 7 yrs ago $300 out of the blue the offered me a venture one card to graduate to and increased to $3300 but my platinum card has been the same $500 8yrs no matter how much I use and Walmart has only increased a few hundred dollars starting at $1500 ! I only use Walmart

[@geoffreysegarra3684]

Great video! Thanks

[@Freegameisthename]

My one Discover card CL is double my 2 capital one cards....

[@raulmenjivar6584]

I got my Cap One Venture card in May 2023, $3k limit, in October 2023(after 2 denied CLI requests) they gave me a 1.5k increase, then in Feb 2024 I applied and received a Savor One card with 3k CL, TODAY I received a $5k CLI on it. Go figure.

[@robertbeale3795]

Never was a big fan with Capital One. Since they give you a small limit I usually do small purchases anyway.

[@joefndirt]

I started off with a secured discover it with 500 limit.. 6 months got upgraded to unsecured 2k limit.. now at 7k only asking every so often for a CLI

[@counterproof]

I would argue that so called “soft” credit pulls hurt you too. Although, they supposedly don’t hurt your credit score they still show up as who vote

[@chrislemaster2695]

I have 3 CFNA (Credit First National Assocation) out of Cleveland OH I got a Firestone M/C with a 1100 limit 3 months later went up to 1650 and Tires Plus M/C started at 1400 last yeay increased me to 3400.00 and a Brigestone Affliated Credit card strated out at 1150.00 and now up to 2550.00 less than 8 months on all of them. CFNA is decent.

[@ceejane-c4r]

Cal, thank you, for all this informative information. You do an exceptional job of keeping us informed. Love watching your channel. ❤

[@calbarton]

You're so welcome!

[@Milkinporsche]

Good analysis!

[@lifeofsui3864]

Valid issues but how many cards are people applying for at a time….i just think you should ask for the increase

[@blakehammondre]

so interesting i hear people griping about Capital One but they have been so easy to deal with from the start. Started with a 10k limit, 3 months later asked for 20 and got 15k. I applied at discover and got 3k starting limited, ive asked 4 months in a row and no increases ( paid off balances). just got a second card with capital one and that one had a starting 10k limit as well 🤷‍♂️. I can't speak to the secured cards situation

[@MrPacktool]

So after discover it would savor one be a good option or

[@robertgray6631]

Did you say someone had a charge off? Reapplied and got approved for a credit card after a charge off from the same company?

[@JAEBENJIII]

Yes happened to me but within a year a rebuilt my credit to 700+

[@piecesofme8531]

How do the other card companies know when you receive a credit limit increase on one? I'm not seeing a bunch of soft inquiries on my reports from any of my card issuers...

[@brandonrousell]

I’ve gotten more increases with capital one than discover

[@freddyboss7]

Wow you must be the only one 😂 my very first offer from Discover was a $7k limit

[@Stevecrawl624]

Preach 👌👌

[@MV-nt4bq]

Meanwhile my first capital account is still at 750 years later

[@daciasdiy1861]

@@freddyboss7iv einky beenbreoauding my credit for 6 months and discover is my first unsecured credit card and they approved me for $2500. My daughters credit is 810 and capital oneninvites her and she applied and they deny her and have no explanation. My fathers has cards with $20 k and his capital one card been $2k for 6yrrs. No way !

[@butchwhitcomb]

same here I have 2 capital one cards with 2 k each but discover has not given me CLI it 2 yrs and I am still at 500 with them and I got both cards at the same time

[@Jesusismysavior-d9d]

Discover has given me the largest amount of credit limits. C1 has me on a bucket.

[@richardjones4256]

I've had the capital one quick silver since 2016. They gave me a couple of credit increases in the beginning up to $3,000 but that's it. I've requested more credit and they denied me based off of no activity on the card. They offered me a pre approval for the savor one but I'm not interested lol.

[@BillyBlakeington]

Both trash bin credit cards. Go for amex blue cash everyday I got 3 increases in a year from 3k to 5k to 8k to 10k

[@BillyBlakeington]

I got discover it same week not one increase even when I did use it. Capital one was worse they thought a $100 cli was gonna stop me from canceling. Its a bucket company you will never claw out of it unless you treat it like a dead end job and go elsewhere

[@ElectricEye9000]

Great video.

[@calbarton]

Glad you enjoyed it

[@Shirley-n-Maryland]

Great video @calbarton ! I was surprised about Discover card. Are there any cons for having a Discover credit card(non-secured)?....like it NOT being accepted at different places?

[@Jonathan_Youngs]

Is Affinity Credit Union a good bank to start off with for higher limits? Also why for the CB card only offering a 150 bonus? I could just get $200 back after spending $1,500 vs $150 after spending $3,000 from Citi??? What makes Credit Unions good tho? I’d like to hear back and maybe I’ll make a video on it! Thanks!!

[@ODOGHOST]

I have a 700 score and discover still denies me after 3 years of trying…

[@griffielliott279]

Once I let my capital one card do what I want it to do. I'm closing it. I'm not gonna lie it's really helping my credit score.

[@kapparhotau181]

Don't close it as it will hit your credit hard. Keep it open and just put $10 on it every months then pay it off 2 to 3 days before the due date so it will keep your score raising

[@phil1m]

Capital One is buying Discover Card. Rather than compete, they'll just eat the company that treats customers better. Once they get regulatory approval, will have same policies by end of 2024 or early 2025. Try protesting merger to your legislator and see how that goes.

[@darrenperry3811]

My Quicksilver secured card graduated in 10 months

[@fogrunr5075]

I just activated a targeted Discover 9-month 0% APR promotion on my Miles 1.5X card. Very nice! Oh yeah, and they're the same company now😂😂

[@jamesrocco2401]

I really want the Venture X but I’ve decided to stick with Chase Sapphire Reserve and AMEX platinum. I love both ecosystems and I hear the U.S. Bank Altitude is a better card. I have absolutely NO interest whatsoever in dealing with sub-prime customer service morons and incompetence left and right. Kinda blows too…because I’ve only had two inquiries in the past 24-months, only have 3 open revolving accounts, and they just sent me an offer for their new Savor card. Bummer.

[@nicholaselia7943]

Hi have a friend that has a Capital One Quicksilver and he has a $40,000 limit

[@nelson24687]

Hey, my name is Lee I got capital one credit card from 20 years and my credit limit is $750. What do you think about that?

[@bigboy23005]

Didn’t Cap1 acquire Discover?

[@dilly69420]

Oh yeah baby let’s keep this CrapitalOne hate train going I’m loving it

[@CurrentGenGamesWithNick]

Capital One will be discover hope not

[@Sisu_Kara]

i hate cap one, i had their bank for at least 30 years with at least 11 cards and at least 2 million sav😂ed up and around 100 k in cap one

[@gloriaarch8156]

I had the discover card and was totally disappointed. Had the capital one card as well and both cards closed my account with on time payments. Now I have the off brand of capital called credit one and love that card, recently received an offer of another card with a low limit but I'm enjoying the card.

[@RedRaiderLobo20]

Credit One isn’t a Capital One “off brand”. It’s a completely different company. You got scammed by shifty marketing.

[@gloriaarch8156]

Oh wow. This is interesting. I think I will wait before applying for a major well known credit card. Thank you.

[@chrislemaster2695]

American Express is way better than Discover.I have 2 Hilton AMEX cards no annual fees and have excellent service.

[@MsAkuBetul]

Nope. Discover closed my acc after 6 months for no reason

[@Shirley-n-Maryland]

Capital One is like the High School bully! Checking ALL 3 bureau's is over-kill! Making customers jump thru hoops or giving tiny limit increase...shameful Cap1.

[@micahgreene4573]

But aren't they about to become one?

[@johntruluck6210]

Regulators will never let it happen. Even Discover and CapOne entered into talks knowing that. This is Wall Street’s first acquisition deal in many years without a breakup fee, which is shocking and very telling of how little faith they have it will go through.

[@againstanarmyofshadows]

BUYER BEWARE: DISCOVER AUTOMATICALLY SIDES WITH THE MERCHANT IN A DISPUTE

[@ochenhetree]

Discover is no good in Asia

[@rambosidi7634]

Yep

[@chrislemaster2695]

First Premier is the worst.

[@georgewilliam8501]

Sorry dude you're wrong about credit limit increases with capital one. I've gotten increases as early as 6 months after I opened my mastercard. I've asked for increases and I've gotten them. I have several credit cards with capital one, and I've had no problems. I have a William's sonoma visa with a $5000 limit, and a Cabelas mastercard with a $5000 limit.

[@MichaelB-od3xh]

He's not wrong. Did you pay attention to the video? Capital One deals with the subprime market and a lot of their customers have poor or no credit at all. So when they get approved from Cap1 they get small limits that also get very small increases. And it stays that way for many years because the cards are BUCKETED. I had no credit history almost 7 months ago, got approved for an unsecured Platinum Mastercard and got a $300 CL. After 6 months of heavy use and on-time payments I got a $100 increase. So pay attention to the video before commenting on how Cal is wrong.

[@darrenperry3811]

Any card that I can ONLY use in the USA or has foreign transaction fees is of NO USE or interest to me at all! Doesn't matter what bank it is.

[@johntruluck6210]

Discover owns the Diner’s Club network, in addition to their own. Discover is accepted in about 25% more countries than Amex and is also accepted at more merchants than American Express.

[@aishahv1056]

Don’t agree..discover is horrible..Capital One starts my SavorOne card with 5000 credit limit

[@chrislemaster2695]

Discover is getting merged with Capital One by February 13 2025.

[@quiles1957]

the thing is discover denied more than 5 times with a score of 765 no way

[@KimKim-dj9fh]

Yeah I hate Cap 1…..and I’ll say by far DISCOVER has THE👏🏽BEST👏🏽 customer service…ever! Amex is next best

[@sethblanton911]

How bad is your credit? I just got approved for my Capital One venture X and they immediately gave me a $40,000. Limit it’s not that hard

[@albuquerqueturkey1567]

I'll have to disagree with you 💯 percent...Here's why. Discover Credit will be Capital One very soon . Capital One winner 🏆

[@johntruluck6210]

Regulators will never allow it and both Discover and CapOne expected that. The deal is one of the only merger and acquisitions (M&As) in many years without a breakup fee.

[@bgp7287]

This is relative, not very helpful, but the video editing is clean!!

[@samanthagriffinv2.08]

0:31 I’m sorry what, are you serious? $1,500 is unusable? You gotta be a spoiled rich person to think that. $1,500 is a fuck ton of money.

[@MetroWord]

There are folks who pay for every expense including bills like insurance, cell phone, groceries, gas, dining, online purchases by card to earn points or cashback. 1500 won't cover everything for a lot of people. Plus there is a negative impact on going over 30% of credit limit if you don't pay your balance in full monthly.

[@samanthagriffinv2.08]

@ well for those people whome make more then 1500 a month can buy what they need to pay the balance back to to zero then spend again pay to make it the ideal 10% credit utilization repeat forever

[@MetroWord]

@@samanthagriffinv2.08 You're absolutely right. Someone can pay off their card 2 or 3 times monthly. However, it's not too hard for many w good credit to get a higher balance and not worry about going over mid-month. After automatic payments set for my primary card early this month I needed to pay about $700 for an unexpected car repair last week, so my December balance on Dec 7 is $1600. Everyone's card use differs. I pay my full balance off monthly. While I do well enough I'm not rich. But $1500 doesn't cover my preferred monthly use to benefit from points and cash back. And I don't really ever want to stop mid transaction to pay off a card to use a card.

[@NeoSoulCrew]

Advice is all heresay

[@calbarton]

What's your advice?

[@bgp7287]

@@calbartonget into capital one & chase if you are just starting out or post bankruptcy. Discover is great but just as good as any prime lender. Experiences with lenders are relative, and one cannot say discover or capital one is better than the other. I have discover, chase , capital one, and so many credit union cards I needed a binder like Pokémon cards. They all treat me great, and all have given me limits close to 20K or more. Depending on your lifestyle you might find that one card is more resourceful than the other

[@sinned96]

We all know that LOL

[@PabloCheese]

🧢

[@johnytran1856]

PLOT TWIST CAPITAL ONE BROUGHT DISCOVER

[@Stevecrawl624]

Not yet