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[@amydebord8723]

Hi Christy! I have been watching your videos for about 3 weeks. I went to my bank and got a personal line of credit one week ago. I am going to start paying credit cards off this weekend! I am so excited and so appreciative of you! I think you explain all of this banking stuff in such a simple way that anyone can can take control of their finances. I truly believe that the Lord led me to your videos. Thank you so much for doing what you do!

[@VanntasticFinances]

That is awesome! Thank you!

[@JH-hc5dv]

I feel the same way. I believe the Lord led me to her. about two weeks ago.

[@FromG2eminor]

​@JH-hc5dv I just found her today. And it's been amazing. I always felt like what she's doing with credit cards is how we should use them but others would just throw fear into me and obviously it hasn't fixed anything cuz I can't pay off anything! I'm excited to test this out. 😊

[@vickidamron]

Hello from oracle ,az

[@jamessal6968]

Hello to amy, you forgot to share with us all the bank that gave you the line. Thnk U

[@FromG2eminor]

Tithing doesn't just come back as things or money but comes back as knowledge to help ourselves. I When im out of debt with my CC im paying you. You are about to save me thousands of dollars, time, and stress. 😊❤

[@venuswhite8074]

I love you! “Giving” was taught to me in tithes and offerings YEARS ago, but you’ve added to it by specifying the gift of giving when we’re in a bind! That’s an AWESOME example! Thank you so much for sharing!

[@VanntasticFinances]

Thanks for sharing!!

[@user-iz6yf3cz3x]

Christy you crack me up! You see cash flow you get excited! I hear you. I get REALLY excited when the cash flow is greater every time I pay off another DEBT!

[@VanntasticFinances]

Love it!!

[@MrDecaturb]

Thank you for sharing your experience with velocity banking. I started my journey last week. I noticed in the beginning of the video some people stated they were having trouble finding a PLOC. While searching for one myself, I found out that most the of the large banks no longer offer PLOCs. Also, some of them might night not be able to provide you with a PLOC depending on the state you live in. U.S. Bank for instance does offer a PLOC, however, I was unable to get one because of where I live. This was true for TD Bank as well. However, I was able to find a PLOC at regional banks such as PNC and Truist. For veterans and their families I was informed that Navy Federal and USAA no longer offer PLOCs either. If you’re having trouble finding a PLOC check with some of your local banks, just be mindful that you may have to open a checking account and/or have an active account for 6 months. Hopefully, this will help some of you.

[@VanntasticFinances]

Thank you so much for sharing!

[@sassysusie9243]

You can basically use a Navy Federal credit card as a LOC. There are no fees on cash advances from your credit card, however, the interest rate is 2% higher than purchase rate interest rate and there is a limit amount on the cash advance (which is less in comparison to your total credit limit on the card). For example, card limit may be $30k but cash advance limit is $9k. There isn't a grace period and interest accrues immediately upon cash advance withdrawal.

[@MrDecaturb]

@@sassysusie9243 Similarly, as you stated, I used my USAA CC as my debt tool. I did not get a PLOC because I recently purchased a new family vehicle and although I have good credit, my debt to income was too high. But everything worked out. I believe it was meant for me to come across Christy's video a few weeks ago. I was able to take advantage of a 0% balance transfer with convenience checks, on the last day of the promotion. I give thanks to God for that. I was able to pay off a personal loan with a balance of $25k and free up $630 in cash flow. I will be able to pay off the CC with no interest in less than 6 months, and then reapply for the PLOC. Navy Federal may offer convenience checks as well, which may alleviate that cash advance limit.

[@sonjamccart1269]

For the person that asked if the interest on the HELOC was tax deductible as mortgage interest, the answer is YES.

[@VanntasticFinances]

Thank you! I was pretty sure, but don’t want to give any tax advice.

[@SweetCaroline40345]

HELOC interest as it would be used for VB is NOT deductible. HELOC and HE loan interest is only deductible if the funds borrowed are used to "buy, build or substantially improve" the home on which it was borrowed against. If a HELOC met that qualification originally, using it for VB will destroy the deduction. (Each amount of income used to pay the balance down would reduce the qualifying balance and every amount withdrawn to pay bills or pay off other debt becomes non-deductible.)

[@sonjamccart1269]

@@SweetCaroline40345. There are nuances, particularly if you also have a First Mortgage. If you use your LOC to pay down the mortgage, it is replacement debt.

[@tseek001]

Maybe in US but Not in Canada ...

[@gabriellevangurp3838]

Hi from NY Christy!!!! Loved reviewing our finances with you yesterday! Looking forward to turning our life around with your fantastic advice!!!

[@VanntasticFinances]

Awesome! Thank you!

[@aquilaharris2040]

I love that you spoke about giving. ❤

[@barbie62bj]

Hello from Windsor, Ontario, love all your videos. We started doing our paying down debt, with a line of credit, thank you so much. ❤️🇨🇦👍

[@VanntasticFinances]

That is awesome!

[@kaninecalms2785]

Thank you, God Bless

[@lovetistrue]

Thank you Christy! The Lord blessed you and you are a blessing to us. I've been watching your videos these last couple of weeks. And I'm excited using the strategies you have shared on your channel. I took me sometime to reverse the way I think about debt the way you explained it, but it making much sense then what I knew before. But, I am so much more confident about starting this new debt elimination journey you are teaching. Thank you so much again. I cannot wait to share what I've learned with others. May God continue to bless you abundantly. - Anetria

[@jsprngralltheway3959]

I enjoy watching your videos. Thank you for the Finance Worksheet.

[@mogottiy3182]

Thank your great at helping Us

[@franceswashington6178]

Hey Christy sorry I missed the live I reset my notifications to see if it notifies me. I appreciate your knowledge and helping me to look at finances differently. I’m getting a settlement soon hopefully you can’t help me with eradicating some of my debt❤❤

[@aquilaharris2040]

I just started! Let’s see what happens! I’m so excited.

[@austina9477]

I am new to your wisdom/insights. How do you take care of car loans, and mortgage payments with a PLOC/HELOC? Those can't normally be covered using credit. Your channel and time is sincerely rectifying years of misinformation. Thank you!

[@VanntasticFinances]

Hello...and thank you for watching! PLOCs and HELOCs can be LINKED to your checking account like overdraft protection without fees. Then as you use your checking account...the HELOC/PLOC will pick up with cash disbursements over to checking to cover ALL items.

[@rohinigoodell3481]

So glad to have found your channel ❤

[@VanntasticFinances]

Welcome!!

[@tralynmc]

Hi Christy 👋Tracy from Michigan: I just found you 12/25/23. God Bless you! I will be starting January 2024!

[@TT3TT3]

Thank you!🎉

[@gwenmalit9124]

Praise God for your faith!!!

[@helen6365]

This was so helpful thank you!

[@VanntasticFinances]

Glad it was helpful!

[@sonjamccart1269]

I missed the live stream! Well, I can enjoy it now.

[@VanntasticFinances]

Next time!

[@stephenshelton6083]

Good job my friend

[@user-zb1ob9sr3g]

When do you do the live you tube, once a week? Always on the same day and time? Love this concept and going to payoff debt with it.

[@marannbenn]

Good evening Christy! I feel so blessed to have found your channel!🙌 You are absolutely WONDERFUL and SELFLESS‼🙌❤ May Father God continue to BLESS you‼❣ PS. Your hair is soooo cute; the color, the cut, everything‼😊

[@myjets8r]

I found your videos this year and had a eureka moment thanks to your clear examples....I've been paying more towards my mortgage but will became more aggressive after realizing how much I can save in mortgage interest. You are a blessing. God bless you more.

[@VanntasticFinances]

Thank you so much!

[@denisebarker9288]

Hello from Pennsylvania

[@prinsceillacoulter9140]

Cilla hello...from phoenix Arizona

[@sassysusie9243]

George Kamel from The Ramsey show just did a video on Velocity banking.... and completely trashed the concept and used one of the worse possible videos on the internet as an example. I have always enjoyed The Ramsey show because it's inspiring to hear the calls and the like minded community with a common goal of being debt free. But the condescending attitudes, continual insistence that it MUST be the Ramsey way.... is really getting old. There are higher levels of financial education that can be beneficial to people, but they are self serving in trying to push their "must be my way" agenda. Keep up the good work!!

[@Hadden733]

Well said it's nice to know I was not the only one that thought drinking the Dave Ramsey koolaid was getting old.

[@thalinororcbreaker2840]

Yeah, there are certain things I do not agree with that Ramsey pushes. For example, I would not have been able to buy my house at 2.75% in 2020 if I was following Dave to the letter because I would have destroyed my credit, cancelling all my cards, etc. And in the time it took to save up 20% down, the interest rates went through the roof. Instead, I got the best interest rate I could possibly have gotten and put 5% down back in 2020.

[@Hadden733]

@@thalinororcbreaker2840 Facts, his method is old school that is meant for people who cannot control themselves as far as spending their money or using credit cards. We all know people that have those type of bad behaviors. Those people need basic structure that first stops swiping and spending, then once they stop that behavior they can be introduced to how to create a budget so they can pay off the debt. Dave's way is not for everybody like a person such as myself, I've never been an over spender and never over used my credit cards I just needed a little bit more help on a budgeting. More less Dave system is not a one. I'll be all system. It's just one way to do things and it's more basic so I'll tell people before they even jump into velocity banking. Maybe they need to look in two Dave systems so they can learn how to make a budget first once they graduate from that then you can come on down to velocity banking. Because if you go over your budget, you can't do velocity banking.

[@FromG2eminor]

Thank you! I always felt that way with his approach. His way or the highway but everyone is different and financing is way different than 40 years ago. I just discovered this channel and she makes it so down to earth and reachable. I feel like she is letting us empower the line of credit so it can empower us. The CREDIT CARD IS NOT EVIL if used wisely. 😊

[@Rob7542]

Hi Christy!

[@roberthowell7324]

Great video thank you. One question, where is the best place to get a line of credit? Thank you

[@feliciaartis1183]

Hello from FL

[@VanntasticFinances]

Hello!

[@austina9477]

Hello from Phoenix.

[@gwenmalit9124]

Hi Christy!! wow your videos came through my you tube this week and its life changing, head blown!! thank you for all you do. Who helped you set up Infinite Banking?

[@VanntasticFinances]

@gwenmalit9124 I think so too! Changed my life! Chris Naugle’s team are setting up 2 more for me now. Go to my website and I’ll get you the info…VANNtasticfinances.com

[@user-mi1iz6nv3o]

Hello, this is Loretta

[@devneyjane]

I would REALLY love to see you demonstrate how this works practically with a bi-weekly paycheck…when you are putting your income in on halves every 2 weeks, surely it must take longer and with more interest…? Most people get paid bi-weekly….

[@lanessiacarrington8283]

You called out someone named Sunshine in this stream right after telling the story of your dog Jovi and I just wanted to say I have a dog named sunshine 😊

[@raytgardner802]

Hello this is Ted from Idaho

[@MyPlayer28]

Good morning, I watched your channel for a while and had a question. If you're self-employed and your income fluctuates and also has some slow weeks. Do you think this would be a good decision? I'm referring to videos that you use your cc to wipe out your car note, heloc, or ploc?

[@green518eyes]

Should I stop auto pay on my expenses. In GA

[@mariaisabelescamilla2313]

I noticed ploc for U.S. bank which I can apply on the app(my phone). My credit union has a PLOC application only on official desktop website and not on the app. Hope it helps.

[@debbrine1663]

thank you for worsheet Debra Kentucky

[@VanntasticFinances]

You are so welcome

[@debbrine1663]

I am working putting monthly bills on a ccand paying off slowly my others. But trying to get a line of credit even thou i own my own home and land..

[@chandratolman6680]

What does your credit need to be to get a HELOC?

[@cryptojuan5897]

The problem with Heloc is credit score has to be within 700 plus

[@BroncoYeller]

Christy, I may not be able to get a HELOC so wondering about using credit card and accelerating mortgage paydown. If I deposit into my credit card more than I take out, it leaves a positive balance in there. When that is the case, if I make a cash withdrawal, will there be any interest on it? I realize there might be a 5% withdrawal fee, which seems to be a standard with my credit card, but was wondering about the interest in that scenario.

[@bernadettegreaves5397]

Christy. I’m overwhelmed!! I’ve been trying to figure this out. I need your help how can I reach you for the where do I start deal??

[@6155ish]

Is it ok to apply for a HELOC at my credit union and with my mortgage co at the same time?

[@alexandert680]

What if you have multiple LOC + HELOC, which one to use? Also, in TX you have to withdraw minimum 4K each time you transfer from your HELOC, so do you still recommend to use HELOC in this scenario or go with PLOC ?

[@TROBTLA]

The city is pronounced “0h Coh ee” Florida

[@suehw7635]

Why do some HELOC ‘s require an immediate draw? And best way to handle it if you just want to have it for emergencies and future projects?

[@VanntasticFinances]

Most do require immediate draw. Just put it right back in. :)

[@wendycooke6304]

Hello from England just started my velocity banking reducing my credit card debt thanks to watching your videos

[@VanntasticFinances]

VANNtastic!

[@teresaochoa3418]

I am so excited to get started, to tell you the truth very nervous too. It's so true what you said about banking. Why I didn't know about Velocity Banking. I do have a HELOC and it true the banker said why not get an Equity loan. We just decided to get the HELOC. I thought the HELOC was on to be used for home improvements. We paid down some of credit cards and still have some funds available. Question what it the difference between a HELOC and PLOC? Can you get both? I am getting ready to open a checking account and attach HELOC. I was given checks with the HELOC too. I have two accounts in two different banks. One account is used for our home and the other account is for personal. Can I just use one account for Velocity Banking?

[@banc8704]

Hi there I really believe this system will work for me but 😢how do I get a line of credit ????

[@Sh-nx7nq]

If I get a heloc, should I pay off my debt with it and then put my paycheck into my line of credit?

[@user-qc2dl4yt7f]

Let us know on your video when you go live

[@Jj-rq9sp]

Would this velocity banking approach make sense/work using a ploc interest rate that is twice the rate of the loan (student loan)? Would there be an advantage to going this route as opposed to paying lump sums from my checking account to clear it? I went to open a ploc today and saw the interest rate and cancelled. Really want to try this but want to make sure im not going to end up paying more.

[@shogunate2]

Oh I keep hearing "line of credit" which I understand is a credit card. But u can't pay a loan with credit

[@maureendawson1]

Hi Christy. I have been watching your videos for a few days. We have been going back and forth with debt and trade line increases, but LOC connected to checking account I have not heard of until watching your videos. We have an account with NFCU. They offer personal loans. Not seeing LOC on their website which would connect to checking account? What am I missing? This is the piece of the puzzle that could catapult us to getting our DTI down from .52 and open the door to paying off our mortgage. Would you recommend your $49.99 consult call?

[@andreadavis8884]

Hi Van Andrea I am new to your channel. I need clarification on how you are calculating the daily interest if you are paying your bills through out the month. Is it calculated based on the daily average rate for the month?

[@VanntasticFinances]

Yes

[@michaeldusek1107]

Hello from Tennessee.

[@Jho_Sephine]

I'm in FL and PLOC doesn't seem to be available. Credit score is above 700, working to get it to 740 by the end of year

[@Jesus-kt5dc]

Look into Tropical Financial Credit Union, they might help.

[@lordmmm252]

I’m in Volusia county and got my PLOC from Launch credit union. I’m not sure if you are nearby but it’s a start to look.

[@VanntasticFinances]

@JD...I have several clients in FL with PLOCs. Keep looking...you'll find them....mainly at credit unions.

[@naromiesbeninche6975]

Yeah find a credit a local Union. Or if someone work for an Airline make them sponsor you so you can become AA credit union member

[@johnbeaty4090]

My situation: Car loan for $45,000 @ 4.2 APR $900 monthly payment. Monthly income of $4,800 Mortgage $2,400 No credit card debt. Qualify for $140,000 HELOC @ 8.5 interest rate. if I move the car loan to the HELOC. What is the best way to get out of this car debt? Thanks

[@exoticmoves6902]

❤

[@humbleduke6745]

How is putting your income into the HELOC, resulting in the payment becoming cash flow when they take their payment out and put the rest towards the principal??

[@Jesus-kt5dc]

It's a mind shift. People look at it like as a payment where the money is gone. Also because of higher interest number (amortize is a higher interest, even if the number is lower). The paradigm shift comes from understanding that the payment is no longer a payment but an income/ balance transfer into your LOC where the money isn't gone, it's just resting on your LOC, working for you by pushing down the ADB (which results in less interest being paid). Hope this helped, have a blessed day.

[@ChristianPerezMariur]

Can I get a HELOC with a different bank then where my mortgage is at?

[@user-iz6yf3cz3x]

@ChristianPerezMariur, Yes you can. Will be just like having a 2nd mortgage, but with better benefits to you.

[@chrisper7527]

@@user-iz6yf3cz3xa, actually, it great to use your bank to link the PLOC with your checking account. However, if you go to another bank, make sure you can link both accounts.

[@JosephWestra]

What does HELOC MEAN?

[@Jesus-kt5dc]

Home Equity Line of Credit

[@OutSidrQQn]

I’m not saying I know about Reverse Mortgage, but I understood it for older individuals and when you pass, you lose the home.

[@chrisper7527]

Yes, if they die leaving the balance unpaid, there goes the house. Heirs go crazy learning that mom and dad had a reverse mortgage on the house. With a HELOC, the estate can pay the debt over time and not loose the house.

[@VanntasticFinances]

A lot of new changes with the Reverse Mortgage now.

[@green518eyes]

I found a ploc but bank don’t want to raise it ok not working with $5000

[@VanntasticFinances]

Go to another bank

[@jodisimpson1132]

Does this only work if I get a “line of credit” with a bank? Or would this work with a high limit credit card ? I have a couple of high limit credit cards. One with a large balance and one with a very small balance. (Of course I also have other CC’s and various bills)

[@VanntasticFinances]

I would use the line of credit at a bank or credit union. You can move faster with a PLOC then you can with a CC.

[@vanessamariposalove]

If max line of credit is less than what I owe on my vehicle. Do I wait until the balance will be covered or start now? My other debt is home loan.

[@chrisper7527]

I think you should use the LOC to chunk down the car note. Then, pay the interest only on the LOC while you pay off the car balance which should be sooner. Then, begin putting the money from the car note back into the LOC when the car is paid off. The car note money you will be putting back into the LOC will then become available to you. Just be disciplined.

[@VanntasticFinances]

You could start chunking now...

[@michaeldeanrogers]

Does this impact your ability to get credit later as the banks aren't making much money off of you?

[@Jesus-kt5dc]

No. The game is you go into debt on the LOC and pay it back with minimum payments and maybe some extra pay. As that's profitable for the financial institution. What might happen is, if everyone begins to use it in the VB system that shrinks profit which might force the financial institution to stop providing that product. Have a blessed day.

[@florindaamandi4624]

Hello incredible lady, I have a daud I have 2 credit cards : 1_ $1463 17% apr 2_1960. 28% apr Where should I put my income? Thank you 🙏🙏🙏🙏🙏

[@Jesus-kt5dc]

Whichever one has the higher minimum payment. If you look up AskMeHowIBudget the content creator Molly is amazing with VB with multiple credit cards. I recommend it to you, you seem perfect for her sleeper method. Have a blessed day.

[@lbpounds08]

I've left multiple messages about Credit Repair

[@VanntasticFinances]

Where?

[@lbpounds08]

@VanntasticFinances on the page when you asked a few months ago. I think it kept getting deleted. I'm a legit person and I actually watch you alot and knew about velocity banking. I enjoy how you break it down, I don't charge alot because I genuinely want to help people and I have. I want to let you know Credit Repair does exist and it works , but it's a process. Fast isn't always good

[@joseacruz]

Hello Christy. In this video you mentioned (minute 28:35) you have to own a house to have an HELOC account or did you mean, you have to own a mortgage? My question comes up, because Im negotiating a property for $80k putting down $30k refinanced by the owner for 5 years at 5.64% APY, but as you’ve mentioned in other videos that 5.64% becomes 11.28%, double or even more. This property needs around $25k to remodel it. So, I will need more than $50k. Can I apply or get an HELOC account for $50k to pay off the $50k to the owner, because she is not willing to wait 5 years? Actually, I don’t have a mortgage. My house is paid off. My Monthly Income is $3,700, my monthly expenses are $2,162.48, my Cashflow is $1,537.52 Or, Is there any other suggestions for me? Thank you in advance.

[@mabelgutierrez3792]

Hello, I like so much your Chanel my english is poor but i translate each video. I have the heloc for 150k is better pay my car o put those money in my morgate?? Thank you so much

[@VanntasticFinances]

You could start with the car ...gaining that monthly payment as cash flow...then move on to the mortgage.

[@mabelgutierrez3792]

@@VanntasticFinances thank you 💕for understand your Chanel i begin in college to improve my english

[@feliciaartis1183]

How can I pay down $30,000 in debt without a credit line or credit card to pay for it? This is all credit card debt and on that to the limit.

[@Jesus-kt5dc]

Put cashflow, credit expenses and low fee utilities on the credit card. Cash expenses and high fee utilities leave in checking account.

[@feliciaartis1183]

How can I pay off $35,000 in credit card debit without a line of credit? Just with cash alone?

[@chrisper7527]

Put more money on the balance. Do not just pay the minimum. Be disciplined with the card. Actually, do not charge anything over $20 monthly. This will show activity to keep the card open and the company happy. As you pay off the card, the company will entice you with increased credit. Tell them you don’t want it. This is their trick to mentally trick you into charging more and keeping you a debt slave. Discipline, discipline, discipline!

[@VanntasticFinances]

I have videos in the Playlist under Credit Card Strategies. ALWAYS take the credit card limit INCREASES! You have the discipline to not use it. That does nothing but make your credit stronger.

[@andreadavis8884]

Pay down the debt - not the HELOC

[@marycrandles4682]

When do you pay off the Heloc?

[@MiguelRuiz-om1mr]

I owe in My mortgage 198000 my payment is 874.00 per month my L.exp. about 1500 per month my income is 2718 per month how can pay it in 5 or 7 years

[@SynovaCantrell]

I hope you are building a mailing list of subscribers outside of all of the social media stuff. If you're not building a mailing list, you will lose your audience if KZbin blocks you.

[@scottstewart8737]

Using debt to pay off debt is probably the dumbest thing I’ve ever heard of

[@SweetCaroline40345]

Debt is used to pay off debt all the time but usually with refi's (like on mortgages) or from a debt with a higher interest rate to a lower interest rate, especially a lower fixed rate. You might be right about where the interest rate is from lower to higher rate debt. Looks costly to me.

[@VanntasticFinances]

That is a VANNtastic answer! It's common sense...

[@thesitdownwithadr]

My Wife and I do Credit coaching/ repair, personal testimony, we improved my credit score from 589 to 726. My wife sat at 670 for years and we were able to get hers up to 760 even with a bankruptcy. We would be more the willing to assist you and your community.

[@VanntasticFinances]

Email me!

[@thesitdownwithadr]

@@VanntasticFinances should I reach out through your website or do you have direct contact I should use?

[@Phenomenalmumof4boyz]

@jaytizal

[@1joy2bell3]

Hello from West Australia

[@VanntasticFinances]

Hello!

[@LorraineDunn-kt7lt]

Hello from Ontario Canada your great