Which credit card companies have the easiest approval (and which are not so easy)? 2021

[@ProudMoney]

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[@joshnellis7057]

Yeah but they will charge you for fraudulent charges..... Even when u didn't authorize them. Better hope u don't get fruad while using their card because they will not close your account, and they will charge you anyway, and they will also hit your credit score over it after sending them a police report to investigate further. This is why the target bad credit.

[@yotyrant]

1. US Bank 2. Barclays 3. Citi 4. PNC Bank 5. Chase 6. BoFA 7. AmEx 8. Wells Fargo 9. USAA 10. Pentagon FCU 11. NFCU 12. Capital one 13. Discover 14. Goldman Sachs 15. Comenity bank 16. Synchrony bank

[@ricardoleslie9811]

With 1 being the hardest to get and 16, easiest to get. Much appreciated!

[@terrylew2209]

Only thing id change there is ranking that BoA a little higher. They can be a tough nut to crack if youre not excellent credit before you even approach them

[@zlistcelebrityYT]

The good thing with the Apple Card that I’ve not seen from any other issuer is (and I assume this is because they’re really looking for more accounts) if you get denied, they literally give you a layout of exactly what you need to do in order to get approved, and a deadline to get it done. Imagine if other companies gave you that information.

[@joshuamurphy4304]

I’ve done everything with Apple that I need to do but I can’t get approved but i got approved for Amex makes no sense

[@tblub.9270]

Once denied, how soon will they send you the email to do the pathway ? I was denied but I have not received that email. Guess they don’t think I have a pathway to that card.🤷🏾‍♀️

[@rafam_music]

Apple Card is weird, I got approved by everybody and with Apple at first they did not and later just approved by a small amount that is not even enough to buy a MacBook

[@swatkins67]

Apple don’t report on time .. I had to report them beware!!

[@Anthonyjones-pq4ff]

@@joshuamurphy4304 hey Joshua that Lol cause I can’t get a second card from Amex got approve for Gold want the platinum Don’t give up hang in their

[@richpoinvil9618]

Look at Wells Fargo's reputation. Especially the news on how they opened accounts for their customers without permission. They don't deserve anyone's business.

[@matthewjacobson252]

That's the precise reason I will never bank with Wells Fargo or hold any credit card they issue!

[@GalaxyNexus1]

Stay away from Wells Fargo, Bank of America and HSBC.

[@matthewjacobson252]

@@GalaxyNexus1 Everyone is entitled to their own opinion, but I have banked with Bank of America for 7+ years and have never had any issue with Bank of America.

[@GalaxyNexus1]

@@matthewjacobson252 that's fantastic that you have yet to fall victim to BOA, at least, to your knowledge, however, like Wells Fargo, who you claim you will never do business with, Bank of America has well documented shady business practices and have been caught and had to pay fines for some of them. I choose not to contribute to and do business with companies that cheat and harm consumers, and I choose to share that knowledge with others. You can do with that info as you please, as I am doing.

[@matthewjacobson252]

@@GalaxyNexus1 Like I mentioned, it is up to your own opinion, just so happens that I have family that works for Bank of America and it seems like it is a very ethical workplace and that they are very careful with client information.....if you are going for the angle that they have been caught doing "shady practices" and had to pay fines.....most financial institutions must be shady then.....

[@Mousirelen]

Your explanations are brilliant. I'm in complete agreement.

[@619jasso]

I agree with the Citi placement for sure. With a credit score of about 670 and only a couple accounts under my belt, i got approved for the Citi double cash after calling to sort out some info. I also had a short credit history as an 18 year old at the time. Totally baffled, but still enjoying it a year later.

[@Bilegagn]

Adam, thank you for covering a lot more on credit cards rather just teaching people to credit churn. I am surprised you only have 29k subscribers

[@BlackJesus8463]

Get SUBz.

[@ProudMoney]

Thanks! I'm honored that 29K people have bothered to subscribe.

[@timhershel2940]

The Apple Card is much harder to get now than it was a few months back. Discover is much easier too get approved.

[@RaynmanPlays]

17. First Premier Bank. Literally the worst credit card company, they target people who feel they have no choice, but anyone can be approved because FPB makes more than enough money to cover the risk upfront in massive fees just to get the card in your hand.

[@terrylew2209]

I absolutely loved the fact you called US Bank your personal nemesis lol! Listen, my 3 credit bureau score were TU759, EQI761 and EXP752, ALL my cards were at ZERO balance when i applied fo the Altitude Go Card and i was Still declined i couldnt believe it! Im not mad, i just know im not ever gonna ask them again. They didnt want me and i dont need them

[@edwardwheeler197]

Amen

[@lilmamadrea87]

i gave up on chase. i think your list is pretty accurate.

[@jerrycaughron7378]

Citi and Chase are the most difficult cards for Approval.

[@MrMohaa1234]

Once you get your foot into the door with chase, you’re good! I have 4 with chase

[@zimvader25]

Meh.. chase is the same as BoA and captital one. Once you have an account with them, they'll pretty much give you any card, other than the sapphire ones, of course. My very first card was a citi, followed by a chase, followed by a barclays apple card. Which is why i agree with him that citi is all over the place on who they give what to. Just random as hell.

[@Motivation66667]

*_Chase was the most difficult one for me_*

[@rodiv4323]

Ok I've been watching and following for a while. One thing I would say is pen fed is not as easy as Navy fed. I have both

[@siliconalleys]

Will you update this. Its at least 2 yrs. old and things have changed.

[@jackreston8188]

Chase has become VERY hard to get...even with a checking and savings acct with them.

[@jamesbaron3775]

That is odd because I had no issues. No prior banking experience with Chase in any capacity and I got approved for the CFF at the end of January with a $12k limit, the CFU at the end of February with a $13,800 limit, and the CSR last week with a $23,300 limit. Now if you are over 5/24 I could understand that then.

[@jollama]

That’s a you problem

[@Al1235]

Chase cards are pretty easy to get, however chase is very strict about their 5/24 rule. If you've opened 5 or more cards in the past 2 years, you're not getting in. Other then that, anyone with above a 700 and decent Financials will get some form of chase card

[@beachn200]

Congrats on 50K subscribers! Great content a usual!

[@ProudMoney]

Thanks!

[@ronloguidice6005]

Hi. I just wanted to say Thank You so much for giving me the information to apply for and get approved for a Capital One Quick Silver card. Awesome site

[@jollama]

Chase Freedom Unlimited better in every way

[@zacknicholson3693]

Capital One has turned me off from ever being a customer. I Currently have a Chase Freedom, Chase Amazon Prime, CSP, Citi Double cash and Navy Federal AMEX. Scores in the mid 700s, 6 figure income, 8 year credit age and less than 2% utilization. Did the pre-approval tool and was recommended the Platinum secured card. Kick rocks hahaha

[@freshfission5886]

You must’ve had something they didn’t like.

[@azan-183]

I'm also not a fan of Cap One, they did the same, they told me to get a secured card LOL!

[@oleopathic]

Adam, please do a video on chase tightening business cc lending. Recently got denied despite good CS and CH. Its their response to pandemic. Risk mitigation. This topic isnt getting enough exposire here. Thanks.

[@doctorkay7]

Was surprised when I got approved for Amex gold with a score of 665 and 2 yr credit history.

[@2413-e5e]

Why you had only 665? You wasn’t pay on time ?

[@jollama]

Pathetic score and history

[@frederickjonesel1942]

@@jollama 🤣

[@ronaldhambrecht]

FYI, try BB&T. Got approved for $3500 CL with 690 Experian. Soft pull pre approval and they never did a hard pull. 3 nice cards to choose from. No annual fee

[@koolbreeze101]

Do you have to be a member?

[@ronaldhambrecht]

@@koolbreeze101 No

[@koolbreeze101]

@@ronaldhambrecht Thanks!

[@tascarter9613]

@@ronaldhambrecht what your score have to be and which card do I need to apply for ! No membership required right and regardless what state you in you can apply ? Also what. Credit report they pull ?

[@I..cast..fireball]

RIP wells Fargo propel

[@marshallphillips9581]

yes sir, i agree with your list, especially at the harder end, Barclays made me jump through hoops to get the black card, when you got to that part it made me laugh. next time i strategically apply for cards i'm gonna do Chase first.

[@kschuman1152]

I got turned down by PenFed with a 777 Equifax 9 score & no late payments, no public records. I had 7 credit cards, including cards from AMEX & Citibank when I applied. I had only 2 new accounts in the last 12 months, and 0 inquiries on EQ. If you don''t have 2 1/2 - 3 years of history and/or one or more installment loans, applying for their major cards is pretty much a wasted inquiry. Not sure but they may weight income more highly than most other lenders. Most reviews suggest a 750+ credit score. There are reports of people getting PenFed's cards with scores in the 600s, even with BKs and fairly recent 30/60 day late payments on their reports, but usually these cases involve people is with pretty long established history & thick files. So definitely they work with people who have had some problems in the past, but not so much with people who don't have a long track record -- even with good scores and no baddies you can get turned down.

[@olgacasillas7110]

Discover is hard to get they look for credit score and inquiries in order to qualify

[@ctbt1832]

That’s not true with Chase freedom card. They are a little more difficult than usual

[@TheDivaIsIntheDetails]

Great breakdown. Randomly, my first major credit card was the US Bank Cash Plus VISA but I had been banking with them for over a decade before applying from a student checking to standard checking and savings and then wanted to upgrade to gold checking and the rep said that was only available to card holders so I applied for the card and then upgraded my checking, lol.

[@ProudMoney]

I'm sure they liked that you were a long-term customer!

[@TheTyson35]

Definitely on point with these banks ...I also noticed that having a good mix of credit is another key factor which they won’t mention...

[@JStieloSoloPhysique1987]

Because I’m rebuilding my credit (score up 200 points in the past year with no pro help) all of the cards are hard to me. I was @421. Now I’m at 627 and my score still isn’t high enough to do much. And I’m working on 2 collections and paying of chase to remove me from ChexSystems. Once I hit 650 I’ll apply for the chase flex card so I don’t worrry about the 5/24 rule. Then 680 I’ll apply for the lower bonvoy card. Then 700 I’ll go for the Preferred card for my try card,

[@docsays]

Eccentric Digital Media - thats a good plan.

[@multimeter2859]

Do you bank with Chase? They prefer having a relationship with them as well.

[@stevenmiller7747]

Great video as always. I think AMEX is a lot easier to get approved for than most people think.

[@jamesmoore8873]

Why you say that

[@ProudMoney]

I agree that Amex is not really all that different from any other card company these days.

[@jamesmoore8873]

@@ProudMoney true I figured Amex would be harder to get than chase but I guess I was wrong

[@moondog3056]

They can't be too picky. They are fighting just to stay alive.

[@Amywazwaz06]

@@moondog3056 I do not see that. In the last few years I added 5 Amex cards both business and personal to my 5 chase cards I have. Although my annual fees are high on them, I find the value is extremely high for what I get. I will never get rid of them if it stays the same.

[@junitolopez3762]

Now that's funny. I couldn't get a Chase, or an Amex card. However, Barclays, my second card, they gave me an Apple rewards card with a $5k limit

[@justinbergmans36]

This is just adams list from personal experience and research. You can talk to someone else and the list will probably be shuffled. The difficulty or ease of getting a particular credit card can just come down to dumb luck, or bad luck. There’s plenty of experiences where the Bank of America and Amex are considered two of the harder cards to be approved for. Amex, because of the fact they don’t even bother with offering a secured or student cards. B of a, because they’d prefer to see you as a banking customer, like U.S

[@stanlee3619]

I pretty much agree with this. Only "pretty much," since I don't have direct experience with all of these cards, but it jibes with what I've read also.

[@roxcyn]

People definitely need this video. Thanks, sir!

[@stuckhere14]

As a long-time PNC customer who only banks with them due to a prior relationship with an employee there, and with a friend who's in management with PNC, I can tell you they target affluent customers. Most of the time, if you don't make north of $100k, they don't really care about you. I wasn't able to get a CC w/ them for years, and then two years ago they approved me for their basic CC w/ a $1,500 limit. Now, that card has a $7,500 limit and they gave me the Cash Rewards w/ a $25k limit this March. They're weird, but if you have money, they like you.

[@ProudMoney]

Thanks for the insight!

[@BlackJesus8463]

Sounds like Bank of America.

[@jamesmoore8873]

@@ProudMoney With a credit score between 618-656 what credit card would you recommend

[@jamesmoore8873]

@@ProudMoney I would love a chase card but idk any ideas

[@moondog3056]

I have to disagree. I got approved on the spot with a 10,000 limit and I am nowhere near being wealthy.

[@monte_2000]

Got denied the Savor one with a 673 score. I got too bold and applied with only 10 months of credit and that was the main thing killing me. Now waiting to hit 13 months to go for a Chase Card.

[@jo5992]

Make sure you don’t have 5 or more inquiries within 24 mos, before applying with Chase.

[@monte_2000]

@@jo5992 Only got 2 rn and plan to go for both chase cards next

[@GreenBanana675]

@@monte_2000 how did that go

[@_1Brick1_]

@@jo5992 it’s not inquiries. It’s 5 new credit accounts in 24 months. Inquiries have nothing to do with it.

[@jo5992]

@@_1Brick1_ 👍🏽

[@meanbean98]

i thought it was just me but yes everything your saying here is pretty true on some of the cards like i said ur always on the money with your info thanks again Adam

[@sergiolopez1855]

Got denied by the Amazon Card but approved by most of the other creditors. Didn’t make sense.

[@hoodboxoffice]

Lol

[@shayanshahriar7882]

I just got approved for a US Bank card this morning. This will be my 1st US bank card and 7th overall. My oldest card is only 18 months old. So, I thought I would get denied.

[@danh4295]

Bit of a misleading list, Chase generally requires 1 year of credit history even for Freedom.

[@stanlee3619]

I got my Freedom 3 months after my first cards.

[@danh4295]

congrats! my friends haven't been as lucky recently, I guess due to current climate

[@stanlee3619]

@@danh4295 Yeah, this was a while ago. I wouldn't be applying for anything this year.

[@ezioaltairac]

Generally if you bank with Chase, they are likely to be okay with being your first credit card issuer.

[@everythingcrypto5577]

The secret for most cards approval is to bank with them

[@kschuman1152]

Would have liked to see TD Bank, BB&T, Fifth Third, Regions, BBVA, Citizen Bank & HSBC ranked. Langley & Digital Credit Unions also. Maybe in the future? Some of those are regional but still of interest.

[@estherj.walker8658]

BBVA is the worst...but they were just bought by PNC...so hopefully it gets better!

[@_1Brick1_]

Apple Card is not that easy. I was denied in the 600’s

[@usaldldld]

Nice video! Where would you rank Santander bank?

[@multimeter2859]

Is this a joke?

[@OS-qd5wo]

I'm surprised Citi Bank ranked where it did. I will be loyal to them for as long as I'm alive. I was stressed trying to come up with money to pay a bill when I got the Citi double cash credit card pre approved offer in the mail, I applied for it and was approved for the card with a $500 limit which was enough and the card arrived in the mail in less than a week. I had only about 6 months of credit history and a fair score. I do want an American Express credit card, what would be a good first Amex card I have a 729 score with a 2 1/2yr history. Oh yeah and FUCK CAPITAL ONE! they screwed me by sending me pre approved offers only to deny me giving me a 2 hard inquiries 🙄😤 thanks and I hope my experience gives you hope 👍

[@jeffcoleman1006]

What was your score when you got approved for the Citi and was that 2yrs ago?

[@OS-qd5wo]

It was a 665

[@OS-qd5wo]

It was 1yr and 1/2 ago

[@jeffcoleman1006]

@@OS-qd5wo oh okay. Was that your first card? Thanks for Sharing btw.

[@OS-qd5wo]

@@jeffcoleman1006 it was my second one actually my first one was from my local bank

[@DJ7mph]

I got approved by PNC for 5k and USAA for 10k after being denied by Synchrony and Comitity. I swear it's hard to tell what they are looking for.

[@everythingcrypto5577]

I started with Synchrony through my Amazon Credit account with a meager $700 CL to Sam’s Club to eBay MC to Lowe’s CC. Their CL are low but that would at least get your foot in the door to their other retailer card. My CS during first entry was like 580 due not having any credit for 5+ years.

[@user-nq8tr1hw3w]

I got approved for a Capital One Quicksilver and Venture card with a 575 score🤔🤷🏽‍♂️

[@freshfission5886]

I’m done with Capitol one man, no increase no upgrade. I was just approved for a altitude go and a custom cash card on the same day but Capitol one won’t do anything for me 😂 they are my oldest card so I won’t close it but jeez man!!! 😂

[@davidmiller661]

@@freshfission5886 Capital One buckets everyone it seems. I've had many accounts with them and it's always the same deal. No increases or account movement! I've even applied for the same card and received a new account with much higher credit limit immediately after being denied a credit line increase on the last card.

[@emiliobustamante3557]

Chase should have been #2

[@christianoparente5608]

Hi i have been following your videos for a while and i decided subscribe, i don't have a social security number yet i do all my taxes on my itin number. I have a few credit cards like Chase, Capital One, Bank of America, and you'd love to se your list of the east to difficult cards to aplie with itin number. Thank you will be waiting.

[@braskabani8011]

The jetblue card is hard as hell to get approve.

[@MetroJet2000]

Agreed, after failing to get it I turned to American Express and got approved for one of their Delta cards instead. Barclays & JetBlue’s loss as far as I’m concerned 🤷

[@jonathanfactor6688]

Great video thanks I use the united airlines explorer card the best buy card the city rewards plus card and the m life las vegas card from the bank of Omaha I am not sure what amrican express credit card to get yet

[@albertojhernandez169]

Capital one approved for $1500 a month after bankruptcy with a $500 increase after 6 months and again for another $1000 after 6 months by synchrony finance didn't. Wondering if I should try chase.?

[@Dom59878]

For my experience the easiest card to get is Amex.

[@Dom59878]

@terrell ivey you could be right as I have never been declined for any card. But my first card with no credit history was the original Amex Green Card.

[@headlibrarian1996]

The Amex charge cards are the easiest to get.

[@heirtothethrone000]

I had been looking at one of the US Bank cc's and I have 785-800 Fico scores but only 5 cards. It's been about 3yrs since my last card so I wonder if I should even try US Bank. I do like their cash+ card with the two rotating 5% categories.

[@ProudMoney]

three years since last? that is a good long time, even for us bank

[@BlackJesus8463]

They have a personal line of credit.

[@jamesmoore8873]

I would do a chase card

[@CaseyBurnsInvesting]

Chase is last place imo. The hot girl at the dance.

[@garrymyers8459]

Todays lesson was pretty kool. Thanks again sir

[@docsays]

i agree with your assessment. that's about what i've seen & experienced as well. i have or have had cards from most of them, except barclays, GS, & US bank.

[@docsays]

@Looes Marie - thank you, but not interested in scams. my credit score is great. sell that story somewhere else.

[@solofoto576]

Hi Your right. I just received my Cash + card, after 3 years of having a checking account. I had a secured card for $1000 that I product charged into the Platinum, I asked for an CLI and they gave me a total of $5000. I use this card for my everyday purchases.

[@forevercoke22]

I work for Tractor Supply and both our store card and Visa card are through Citi bank. They don’t really seem to have a problem with approving people. They don’t seem to be too choosy. At least from what I’ve seen. 🤷🏽‍♀️

[@DarthRaider]

I disagree with 14. I had a score of 750 and still got Denied for the Apple card because I had a car loan

[@carldamonkey119]

How big a car loan is it? I have a 750 score as well, I have several recent inquiries from getting 2 new credit cards and refinancing my car loan all within the past 3 months, and apple card will still approve me with an $8000 limit right now.

[@jrake80]

That’s odd. I have two auto loans, one is over 40k and had several inquiries and still got it with a 693. But they do check trans union

[@SRT_Tom]

They approved me for 2,000 and I got a 750 TransUnion with a car loan

[@SRT_Tom]

@@jrake80 how you get 2 auto loans?😂 do you have social media I have some questions seriously💯

[@mariajackson2570]

My credit score is 660. I was denied for the Apple Card. They said I was denied because a bank recently closed an account. By recently they meant 2017 🤦🏾‍♀️ I currently don’t have any credit cards other than chime credit builder so if I can’t get apple I must not be able to get anything. Am I doomed foreeever? Lol

[@normoddity]

Nah, you have options. You can see if you prequalify for any intro cards from Capital One or Discover. Or, you can start with a secured card.

[@YasselAlvarez33157]

I started with cap1 secured card, then after 3 months I was approved by Discover, chase, amex... the secured card will open the door.

[@mariajackson2570]

@@YasselAlvarez33157 awesome! Thank you

[@mariajackson2570]

@@normoddity ok thanks! I’ll look into that

[@mariavelazquezalcantara6396]

I was denied to with a 692. They said that I don’t have enough of a credit history to be approved.

[@williamshelnutt3214]

synchrony bank completely sux !

[@bodyloverz30]

Be happy you weren't approved for Barclays or US Bank: once you are, the real Hell begins!

[@JoseFernandez-wu8pj]

I got the BARCLAYS RING AND THE US BANK PLATINUM NO ISSUES SO FAR BUT I WAS DENIED THE US BANKS GO CARD.

[@brianhumphreys1660]

I have the Cash + and the REI card from US Bank. No issues

[@dmytrohay]

My experience was different. Out of Citi, Chase, Discover It and US Bank cards I applied for, only US Bank came through while the rest didn't.

[@thebeddoctor4273]

I don't know what the factors are but Discover approved me for $6000 with fair credit of around 660. Amex only gave $1000

[@jeffcoleman1006]

@@thebeddoctor4273 was the Discover your first card?

[@thebeddoctor4273]

@@jeffcoleman1006 it was not. My first card was credit one. Not capital one. I made that mistake. Credit one fees the crap out of you. I would say discover It card was my first real no fee card.

[@jeffcoleman1006]

@@thebeddoctor4273 Thanks!!

[@hwang4424]

@@thebeddoctor4273 make no sense, when u apply for a second card, the credit line of the second card is base on the first one and i think all amex is charge card so im confused there

[@user-mt1ue4ot7h]

Its hard to even get a secured card with Citi

[@veronicaoffidani6629]

I have 3 Amex cards, capital one, US Bank but Citi won’t even give me a secured 🤣

[@Astralkiller47]

@@veronicaoffidani6629 lol with all those, why would you even want a secured citi card?

[@WinnieTheTrain]

@@veronicaoffidani6629 I got Citi doublecash but US bank declined me probably cause i had open a lot of credit accounts and closed them in a short time period... Sucks, i would have loved the 5% back and stuff. What I really want although its only statement credit is the 3% back on every purchase with USalliance Visa Signature, but I hear your credit score has to be over 750 to even be considered. sadface, but it would make a good card with the USbank one for sure

[@imDaJuggernaut2323]

us bank always showing me no love but i do have 18 inquiries in the last 24 months

[@ProudMoney]

18 is a lot. A lot lot.

[@headlibrarian1996]

US Bank wants you to be between 0 and 2 new accounts in the last year.

[@scottivlow9962]

I applied for the Citi Double UP card and got denied with a high FICO score with 8 months. Citi looks at all the minor factors in the credit reports. I think they want a full year of history from when your doing credit rebuilding on a Secure Card. I guess they also want see a graduation to an unsecured card with some payment history in the same year. A year removes blank boxes. Capitol One doesn't suggest a pre-approval for the Venture One. I'm going to have to wait to February to apply for a travel card. I need a travel card for cars rental for included CDWs.

[@kingsboy1828]

great video. thanks

[@watchchat]

I had a Comenity account for Wayfair, it’s been paid off for about a year and I just got a noticed that it was closed. But, the notice wasn’t from Wayfair to Comenity, it was my credit monitoring service. Not cool!

[@ryanshae]

They Comenity lost that account and Citi bank got it they didn’t do a good job of transitioning.

[@cptnstabin88]

Wish I watched this before I applied for my us bank credit card

[@JustBrowsing832]

lol, i got denied for a US bank credit card too. I have a credit card score of about 805-815, but I signed up for quite a few cards in the last few years. i guess that's why I got denied.

[@YasselAlvarez33157]

@@JustBrowsing832 0/12 I think... no new accounts

[@watchchat]

I have a USAA CC, forever, it has $39 AF. I called to remove it because it has zero benefits but there is no upgrade path and the CS rep wasn’t too helpful. I’ve been with USAA for 15 years and it seems like their service is deteriorating.

[@jasonf9813]

I wasn’t too happy with USAA on the cc side either (still banking with them 10+ years later though). Like he said, the NFCU was way better both in terms of initial cl and benefits. I have the cash back visa and the Amex from NFCU.

[@savannahsmiles1797]

USAA is NOT good with banking products imho, mbr and past employee. Their rates were NOT compatible with Pentagon or Navy Fed, and they are easier to do biz with. Insurance-that is their forte, but banking, nah, and mortgages with them SUCK, don't EVER sign up with any of their products there, you will live to REGRET it.

[@8ballMarcucilli]

In your opinion does having one Amex card being paid down with a payment plan , preclude me from getting approved for Amex blue cash preferred card.?

[@amberjohnson7169]

They are getting strict, but what do you mean a payment plan? You maxed out and are paying a set amount above minimum payment, set by Amex?

[@jimmyguy7793]

Brothers and sisters. I joined NF last month. They pull T.U. I had a T.U. score of 758. Income is 85k. Btw, if you live with your spouse, you can combine your income and report that as your income. My DTI is around TEN percent of that. My last card approval was back in June with Amex. Just now, NF gave me a 5k cc? Is that normal? I am grateful. I'm not one to look a gift horse in the mouth, but...? I imagine it's because I'm new to them? Can you possibly call a recon line to get a higher limit? Or what should/could I do?

[@Xtremeproducts]

Unlike Chase who is high on credit score, Navy Federal is high on R.E.L.A.T.I.O.N.S.H.I.P

[@jamtime5017]

Navy Federal gave me a $9,000 limit with a score of 602... I applied for a second card a year later with a 770 and got a $5,000 card. My reported income was half of yours.. I've been in their system maybe a lot longer than you. Never really used them too much but always had a small savings, checking, and money market baccount. Took out one loan about 10 years ago and paid it off. The credit cards I got were relatively new within the last 2 years.

[@clifford629]

NFCU has been known to give relatively high credit limits vs other issuers.

[@oscarp4328]

6:10 yeah HARD PASS.

[@GalaxyNexus1]

Goldman Sachs/Apple Card was very difficult for me. Barclays was super easy.

[@kevinc2061]

Anyone else hear the birds chirping between 11:30 and 11:45?

[@Xtremeproducts]

Lol

[@plng777]

Usbank is definitely number one. Been with them for 10 years yet still couldn't get approve for a card. I've had Amex, chase, capital one, discover. Score at 730 still couldn't get an approval from usbank.

[@commonsense-og1gz]

lol, they are almost like the ferrari of banks then, right?

[@jujuapple6706]

I had a 760 score got approved for $21k credit card

[@jollama]

Did you not read the video title? 1 is the most likely to get approved with higher numbers meaning slightly harder to get approved for

[@anandr1385]

@@jollamait’s the opposite my guy

[@watchchat]

I have more credit cards with American Express (3 charge, 2 Business, 3 credit cards but more credit limit (triple) with Citi (3 cards). US Bank and Chase hate me, they never approve me.

[@Dom59878]

Amex should be down the list around 10 and down...Easiest card to get, I got it with no credit (green card) many years ago. Got to say I have never been denied a card.

[@muradlalani9263]

Different between visa and Mastercard

[@jollama]

Speak English

[@garbygarb31]

Got denied for capital one secured lmao

[@edgo5274]

Lmao 🤣

[@azan-183]

Capital One is so stingy, especially if u have had inquiries, I applied for the Journey Student and was rejected twice.

[@sightmark6737]

Try the discover secured. Better company and they review you sooner than capitol one

[@austinash9337]

😂😂😂😂

[@mart_x_inez]

😂😂

[@NotShowingOff]

Yea, there’s definitely a credit card bubble

[@BronxBombers_726]

Adam..what is your opinion of how many cards seniors should have? Many seniors are not getting mortgages or car loans so is your credit score that important?

[@Arabsummer]

Keep it over 750. 3 cards are more than enough.

[@jollama]

Should have a score of 850 with 21 cards

[@jeromehenry4484]

Number of cards varies from senior to senior based on retirement income/sources and lifestyle. Being a senior myself, here is my thoughts/recommendations: 1. Analyze your monthly bills, like grocery/drugstore/gas/utilities/phone-Internet/dining out/travel/miscellaneous. I did an Excel spreadsheet with categories and annual estimates, then did columns for the credit cards I already have. I used the multipliers to calculate what my potential cashbacks might be. Then I added cards as a "watch list" that filled in the gaps. I try for as many 5% category cards as possible. 2. I highly recommend US Bank Cash+ credit card because it has various 5% categories to choose from. I selected Utilities and Phone/Internet as my two choices for 5% cashback. This is the only card issuer that offers Utilities. 3. I usually only apply for 2 cards a year, about 6 months apart. That helps to get approval/avoid denials. 4. Even though I usually pay my bills in full every month, I still keep a very low interest rate card that does not have any multipliers, as a backup plan if there is an emergency/large expense that I know cannot be paid off in 1 month. My card has 6.99% APR on purchase/balance transfers/cash advances. Always keep this one active, just in case. 5. Try to get your card portfolio finished by the time you retire because I have a feeling it will become difficult to get approvals as you age. For example, I was recently denied a Capital One Savor card because I did not any installment/mortgage payments currently owing. I had paid off my mortgage over ten years ago, so it had already dropped off my credit history. As far as car loan, that dropped off too. A lot of seniors are winding down or have paid off those types of debts way before retirement, so it's no longer on their history. Hate to say it, but this might be a "backdoor" algorithm that disguises age discrimination in credit lending.

[@lindahernan435]

Discovery denied me right away ?! My credit is average of 600 and up.. so that was surprising so don’t agree they will approve right away

[@ProudMoney]

Well, 600 is pretty low, probably need to be closer to 650 i wpuld think.

[@hoodboxoffice]

Lol

[@jeffthatcherphotography]

im still tickled that i was denied the Apple Card but approved for the CSP. guess im not the desired customer for Apple. i never got a path to apple card lol

[@_1Brick1_]

I said the same. Apple Card isn’t easy to get. They denied me with mid 600’s score

[@jeffthatcherphotography]

@@_1Brick1_ I think it may because Goldman Sachs is the issuer and this is their first credit card. Perhaps that’s why. Cause chase isn’t easy from what I hear and I got the sapphire preferred 🤷🏻‍♂️ lol

[@junitolopez3762]

@@_1Brick1_ it’s not you, I too, was denied @ 700. I have Barclays, Amex, Capital, and Discover cards. Oh well their lost revenue

[@Anthonyjones-pq4ff]

Your right about citi when I last apply for citi they denied me I got approve for citi just now funny how that works like Adam said you never know about citi The one that’s really hard is Chase that 5/24

[@HollyBrnch]

Can you get a Chase or Amex if you filed BK over 10yrs ago and they were in the BK?

[@rellysunshine9665]

Doesn't BK fall off after 10 years? Amex probably purge BK records by that time.

[@HollyBrnch]

Yes it’s off my credit report as it was 11yrs ago but I didn’t know if they still had records of that

[@rellysunshine9665]

@@HollyBrnch I doubt it because I’ve applied for credit for the same companies I defaulted on many years later and was approved. Many companies just don’t keep financial records past 7 years.

[@rellysunshine9665]

@@HollyBrnch go for it!

[@HollyBrnch]

Relly Sunshine I’ll have to try it!!! I tried for Chase abt 4 yrs ago and they said sorry you defaulted on one of our cards 🤣🤣🤣

[@ammooth1592]

US Bank is stricted‼Think I'll leave them alone and apply for business credit ✔

[@omgitsmis_kitty]

The Apple card has been the hardest for me to get approved for it and it’s not like I have the worst credit in the world

[@YR-vz9ew]

Hello can I ask a question? I have two credit cards which are not the best. Had to start with those to build credit. So know my credit has been improving and I’m getting offers from other credit cards. If I close the ones I have and open with the “better” cards will that be bad? I don’t want my credit score to drop or anything plus I really don’t want to have too many credit cards. I’m just curious as to what to do bc I’ve heard closing out cards isn’t a good idea. Help anyone know? Please and thank you kindly!

[@MetroJet2000]

You definitely want to open the new cards before closing the old ones. As far as if that will hurt your credit, probably. It depends on how old they are, because part of what makes up a credit score is "Average Age of Accounts." If you close your older accounts, those will stop factoring into your score and only the open, newer accounts will, causing a drop in your credit rating. Likewise, opening those new cards will do the same thing, but only for a little while as they will start to age as well. If you don't want to hurt your score, a good strategy is to put a small recurrent charge on your older cards to keep them active and open while shifting the majority of your spending to the cards you actually care about earning rewards on. Just remember to pay those off every month.

[@dcsconsumerreviews1632]

Don't close any if they don't have annual fees. You never want to close them. As far as a new account, it will hurt your credit age.

[@amberjohnson7169]

Do not close ANY card.

[@goddessjones6559]

As long as there are no annual fees it doesnt hurt to keep them and occasionaly make a small purchase. I wouldnt close any card until I have had the card I want to keep for at minimum 3 years and ideally at least 5 years. Part of your score is credit history and length of credit (oldest card length) so if you get rid of your cards then it looks like your new your length of credit history is no longer helpful.

[@2centsfinance]

GREAT VIDEO!

[@ReeceReviews19]

Great video 📹 👍

[@Ritchie_The_CEO]

This list did not go the way I thought it was going to go. Also, I learned my lesson yesterday and didn’t like this video until it was over this time.

[@ProudMoney]

I hope it delivered!

[@albertojhernandez169]

Can you do a video on car loan vs motorcycle type loan?

[@richpoinvil9618]

I saw no difference. Chases financed my car and a company called Freedom Road was used for both my motorcycles.

[@albertojhernandez169]

@@richpoinvil9618 was it a new or used motorcycle? I'm thinking of buy one in March or maybe December after Christmas. Can't find much information on these types of loans just that their more difficult to get.

[@richpoinvil9618]

@@albertojhernandez169 They were both used. Never buy new. The depreciation is not worth it.

[@unknownhuman701]

For car loan try capital one. I got approved there for my first car

[@joshuabanks399]

denied for Apple with 732 TU. Must not be easy anymore 😅

[@commonsense-og1gz]

is Mastercard owned by a single company, or is it just a name used by a conglomerate of banks? i never see a Mastercard Mastercard. it is always seaming just a stamp on cards owned by variety of companies.

[@justinbergmans36]

Mastercard and visa are just pay systems, that banks will use for their cards. American Express and discover are the only other systems that produce actual cards.

[@latachia_2981]

Old Navy is now with Barclays.....

[@wbaiey0]

Excellent. Thank you.

[@loonietoon98]

Does the Chase 5/24 rule apply to store cards also

[@ProudMoney]

These days i would say yes, though i think they used to not really count them.

[@rodneyjones4763]

@@ProudMoney If you want to open a checking account with them they will look over the 5/24 rule .. this is only what I heard not experienced personally.

[@loonietoon98]

Okay. thanks, I used the shopping cart trick to help boost my credit limit and score. Just started on my credit 11 months ago, from 580 to 740 now. Heard somewhere store cards didn't count, but lately I've been hearing that they do. Got 2 CC and 4 store cards, 2 just this week lol. Guess I'll have to wait on Chase after I finish Getting other GooD cards.

[@jamesmoore8873]

If we use the referral links that he sends us does that give us a better chance of getting the card

[@ProudMoney]

Probably not. but it increases the chances I will make more money😜

[@jamesmoore8873]

Ok just wondering because I am looking to get my 3rd card and I have a score of 618-656 with 2 card one at 2000 and the other at 450

[@quangvu4405]

me looking at the comments on how a ton of people didn’t get approved with chase. then there’s me at the age of 19 who got approved 😭. i swear i’m not lying

[@unsatisfiedresident3144]

I got approved for American Express. I’m 19 too 😂

[@savannahsmiles1797]

might be the field you are in..banks have score cards on certain industries, at least our bank did, but it wasn't public knowledge. We would approve military folks or government employees over private sector with same income level.

[@jamesbaron3775]

Never had a banking relationship with Chase in any capacity prior to applying this year. Got approved for the CFF at the end of January with a $12k limit, CFU at the end of February with a $13,800 limit, and CSR last week with a $23,300 limit. Not sure why others are getting denied unless they have below 700 credit score and/or above 5/24 rule.