How I Climbed the Credit Card Ladder (No Credit Score As An Immigrant To Chase Sapphire)

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ABOUT ME
🙋‍♀️ I’m Maria, an Engineering Manager at a big tech company and I’ve been coding since I was 13 years old. I love working in tech because building new things and being creative is something that makes me really happy. While on this journey, I realized how lots of questions I receive in 1:1s get repeated a lot so I decided to upload short and simple Q&A videos on TikTok which grew to a small amount of followers. For some questions, I wanted to dive deeper with longer answers which is how this channel started. Thanks for being here - my goal is to help some people out and make their lives at tech jobs more effective.
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[@techmentormaria]

Anything I missed while building credit? Any new cards out there that I should mention?

[@dorienxia9748]

I would mention getting new cards just for the signup miles bonus. Capital one has some good cards such as venture rewards with 90k signup bonus miles.

[@Nick210]

My wife just moved to the US in July 2022 with no credit score/history. Applied for a secured Capital One QuickSilver and put down a $300 deposit. She kept usage at 7% and by October 2022 she had generated a 720 credit score. By December 2022 she was invited to apply for a Capital One Savor One and got approved with a $3500 credit limit and she keeps usage below 10%. June 2023 and Chase invited her to apply for the Freedom Unlimited, she got approved with a $4000 limit. Now she has a 768 credit score. All that in essentially a year.

[@AK-Star007]

I think first rule is to avoid credit and make budget and try limit to available resources. Your advice are spot on as always.

[@lechuck2011]

I would love to hear you talking about motivation crisis, job boredom and how to manage all that when it comes up

[@techmentormaria]

Ok thank you, I’ll see what I can put on the schedule :)

[@swmrgirl9979]

I just got approved for the reserve and my eyes also popped at the credit line - 33k. Absolutely insane haha your videos are helpful for navigating how to take advantage of the card! thank you!!!

[@myria2834]

It is not too shocking once you consider that $10k is the minimum credit line for the Reserve, but still a very nice surprise to be sure.

[@chyphilip]

Can you please provide a timeline on your credit journey? Which money in 2017 you started applying for Citi secured card and when did you get the Chase unlimited and subsequently Chase reserved? Thanks!

[@johnbritto6517]

I have a good credit score of 764/900 but still companies want me to open a Fixed deposit in their banks and are giving the total amount deposited as the credit limit for me.As of now I have hold on to the idea of getting credit card because, I rarely use my debit card 😅 as all of my payments are made with Google pay app. Happy that you were able to increase your credit score 😊

[@ellinas1976]

Ich dachte immer dass Führungskräfte wenig Zeit haben, aber du bist ja ein Arbeitstier Job, KZbin, Tiktok, wahrscheinlich auch Instagram 😅

[@techmentormaria]

Ja, ich opfere ein paar Stunden an meinen Wochenenden (meine Arbeitstage haben es momentan richtig in sich und da chille ich nach der Arbeit lieber) aber macht mir mega Spaß :)

[@Jiggy609]

Hey Maria random question, For the Bilt card, how do you setup your bills to be paid on the 1st? Do you just simply ask them to change the due date? I saw your blog post about which card you use for different expenses and noticed you had bilt getting 2x for rent day for certain utilities

[@techmentormaria]

Yeah for Verizon I just went on the website and changed the due date. Super easy!

[@Jiggy609]

@@techmentormaria thank you!

[@Bxr400]

Good job!!! Time & patience 👏👏👏👏👍🤗🤗🤗

[@Vortexvg]

Off course you don’t use Instagram 😅

[@lenn55]

Another fantastic video! Thank you for sharing this information.

[@callmeNeno]

Roommates sucks!!

[@AnonZero0]

*There is no such thing as traveling for 'free' using credit tradelines; its at best a discount, even if your employer reimburses your travel expenses on your tradelines, you still had to do the work in order to spend, and receive reimbursement, in order to receive those points.* *And points are not 'earned', but rather are purchased with your spend, they are a kickback.*

[@techmentormaria]

Well, I'm spending that money regardless so I'd rather get something in return for it :)

[@AnonZero0]

@@techmentormaria *Smiles* *This is the way I do it.*

[@vitomorris]

How would you go about getting into the business credit card world ? I did apply and get approved for Chase ink cash which is an awesome card. But i do wish yo expand more. Do you reckon opening up a business checkings account and depositing money at (US Bank for example) will give me better odds ? i don’t want to keep applying for cards and getting denied. My credit is low 700s and 2% utilization across all cards (total of 4)

[@raulbeto5]

The capital one bank is also easier to get approved with low credit scores

[@techmentormaria]

Yeah I mentioned it in my description box. I think that’s the intro card I’d opt for now too!

[@leoBrofoski23]

we're so happy that you end up in America. We need more immigrants from Europe like you. And we also need more smart beautiful White women on Tech industry.

[@kumar0.98]

Your insta id