The Ultimate Challenge: 20 Credit Limit Increases!

[@joshua.butler]

What’s the largest credit limit you’ve ever gotten???

[@kingsamvisuals]

$100

[@DalHarpJr]

Credit limit, $29,000 on my X1 Visa. Credit limit increase, $8,000 On my Navy Federal Flagship Rewards Card. BTW, I do the exact same thing to increase my credit limits with my cards from time to time..

[@joshua.butler]

@@DalHarpJr that’s pretty solid! Yeah, I may continue doing this. It was fun!

[@joshua.butler]

@@kingsamvisuals keep it up! They’ll start getting bigger

[@DalHarpJr]

@@joshua.butler Nothing wrong with rolling the dice as long as a hard pull isn't involved!

[@MoonMan-pn1kb]

I’m glad that someone let us see when they are denied was well as get increases .Thank you that’s real life.

[@joshua.butler]

Hey thanks! I try to keep it as transparent as possible

[@mastere108]

Gotta love Capital One 😂

[@joshua.butler]

Right???? It was a pretty comical increase

[@SmileyJonez]

Capital One should be called Capital Done

[@SpencerJohnsonOfficial]

Dude the B-Roll of your cards was insane 🤯 So visually appealing... This was an awesome video all around man. You may have inspired me to see what I can do on the CLI front as well! 👀

[@joshua.butler]

Thanks bro!!! I spent an ungodly amount of time recording those BROLL shots. It was certainly a learning experience. It would be cool seeing you and the other guys create similar videos. I’m sure everyone would enjoy it

[@lauras.8088]

Congrats on the new intern! She's adorabhle!

[@joshua.butler]

Thank you so much ☺️ Being a dad has been incredible so far!!!

[@357twilson]

What an amazing video! Perhaps the best credit card video I have ever seen. Great job 👏🏾

[@joshua.butler]

I really appreciate that! 😊

[@ridleyjoseph7337]

Thanks a lot for this video, this video is very different from a lot of credit card influencers. I’m one of those guys that love to hear about credit limits so thank you !!!

[@joshua.butler]

I really appreciate you saying that! It was a really fun video to make, and I’m grateful that it’s been well received.

[@MattWelterOfficial]

Love the newest intern for the channel 😍Really cool experience here Josh- crazy to see those 200% increases on the BBP & BCE! Great video as always!

[@joshua.butler]

Thanks so much Matt 😍 These Amex limits are healthy!

[@OfficialEricGao]

Danngggg those are some huge increases! Congrats Josh! Great video!

[@joshua.butler]

Wooo! Thanks Eric 🤑🤑🤑

[@Param-Singh]

This was a really cool video Josh! And congrats on the new intern! :)

[@joshua.butler]

I really appreciate it! 😍

[@D.I.G.]

The Bilt one was hilarious bro 😂 good tv!!

[@joshua.butler]

Thank you! I had fun editing that one 😊

[@rendellbaldwin8946]

Finally something different than others. Great video 👍

[@joshua.butler]

Glad you enjoyed it! Thank you ☺️

[@Black____]

This is one of the best videos I’ve ever seen on youtube. Total transparency. Those successful increases will definitely give your total UTI a nice cushion. 😂 at 17:25 That was a long script she was reading from, sheesh.

[@joshua.butler]

Hey thanks so much for saying that!!! It was a really fun video to make 😊

[@darlinesdiary]

What an adorable baby 🥰. Congratulations ! That was an amazing video to watch. So creative. Now I am curious to see the other creators do the same.

[@joshua.butler]

I really appreciate it. I wanted to do something a bit different and thought people would enjoy seeing this! 🤑

[@Mr8675309ful]

Congrats on the addition of your newest family member. Great video.

[@joshua.butler]

I really appreciate it!!! I’m so grateful for her 🥰 Thanks for the support

[@AdamBA380]

This has me retroactively shocked that C1 doubled my credit limit on the Venture X when I requested 3 months after getting it! Maybe it’s because I called in? I now feel like the luckiest man alive. Also this is the first credit card video that had me legit nervous some serious damage was about to be done to someone’s credit on-camera 😅

[@joshua.butler]

That’s funny! It’s difficult to get a read on Capital One’s decisions LOL. Big congrats on the double limit. That’s solid. Thanks so much for taking the time to comment 🥰

[@AdamBA380]

@@Shawn.credit Thanks! They’re such a mystery, honestly

[@christiansailor2880]

Wow! That took a lot of effort! Thank you!

[@joshua.butler]

Thanks for watching ☺️

[@honeybuuun_tv]

This was amazing and very informative. I really need to get my cards to higher limits as well. Freezing my reports is a idea I overlooked. Thanks

[@joshua.butler]

Thanks so much 🥰 Yeah, a lot of card issuers soft pull for credit line increases nowadays, but freezing your credit is a surefire way to ensure you don't get a hard pull!

[@p2o8wer]

I noticed if you make a couple hundred dollar charge then ask for more they usually give it with capitol one.

[@joshua.butler]

Good tip!

[@StephenHeiner]

Loved this video Josh. Instant sub.

[@joshua.butler]

Thanks Stephen!

[@MertzCollectibles]

New to your content, really enjoyed this one. Congrats on Alice!

[@joshua.butler]

Thank you so much for taking the time to comment! 🥰 Being a dad has been incredible so far

[@Orlando2022]

It was very informative and entertaining!

[@joshua.butler]

I appreciate that 😊

[@LooseJointhiphopdance]

Thank you for this video. It was very helpful to watch you go through the process. I’m about to apply for CLI’s for my Discover It Cad, BIU and Navy Federal More Rewards Cards. Let’s see what happens for me.

[@joshua.butler]

Absolutely!! I'm happy to hear you got some value from it. Best of luck on your CLI journey. 🤞

[@LooseJointhiphopdance]

@@joshua.butler Thanks a lot

[@Fox9582]

Thank you! I watched it because of the Chase CC, now I have an idea how those cards behave. Thank you so much and God Bless Alice!

[@joshua.butler]

Thank you so much 🥰

[@StoneRox1]

For chase, on the phone I increased my freedom and freedom unlimited on the same phone call. So maybe try through the phone for chase next time.

[@joshua.butler]

Great tip! I'll definitely try this next time.

[@anthonywilliams9415]

Thats crazy.

[@davidprasad65]

Thank you Joshua Butler. Awesome information.

[@JoshGiebel]

Love this video, Josh! Some awesome increases here, especially Amex! Man, poor CJ 😂 And hi Alice!!

[@joshua.butler]

I really appreciate you Josh! Lol, CJ’s credit limit journeys have been fun to watch 🤪

[@jameltanderson]

That’s crazy congrats

[@joshua.butler]

Thank you!!

[@CesarJoel]

Blessings to baby Alice!❤️ What a fun video to watch and with great data points! Thanks for the info Joshua! 🫵

[@joshua.butler]

I really appreciate that Cesar!!! 🥰

[@AnthonyVenture]

I would have absolutely died laughing if you ended the video on, “Do these new limits matter, No”. End. 😂😂😂 Ohhh The CJ disrespect!! Ohh the Alice internship!! Ohh the movie/museum esque look to those cards while they rotate! Oh the limits!! This was an amazing video Josh!

[@joshua.butler]

LOL. Dude, I should have consulted with you first because that would've been epic. Thanks bro 😍

[@jpknowledge8852]

Joshua, This video is awesome!!! So much fun to watch. Congratulations on your new addition 👨‍🍼 All the best

[@joshua.butler]

Thanks JP, I really appreciate you saying that 😍

[@robertg1556]

Congrats on the baby, beautiful.

[@joshua.butler]

Thank you so much!!! 😊

[@margaretpittman9650]

Congrats on the baby!!

[@joshua.butler]

I really appreciate it 🥰

[@KerbService]

Great Video you put time and effort behind this. i love it my guy

[@joshua.butler]

I really appreciate you taking the time to comment!!! This was a very time consuming video, but I thought people would enjoy it 😊

[@turtletrade]

Baby Alice is adorable! Congrats proud Papa!

[@joshua.butler]

Thanks so much! I'm super grateful to have her 🥰

[@turtletrade]

@@joshua.butler I have two girls myself: 22, 28. Magical time the early years; enjoy every moment with them while they're young before you know it they'll be out of the nest. 🪺

[@winnerwinnerchickendinner1702]

Lol the shade towards CJ was unexpected and completely hilarious. Amex just hates him

[@joshua.butler]

I couldn't help myself!!! 🤪

[@sweetsharie66]

Fun video! And your baby is adorable 🥰

[@joshua.butler]

Glad you enjoyed it, and thanks so much! She's a cutie 😍

[@LK_EBM]

Interesting video! Thanks for sharing your experience!

[@joshua.butler]

I appreciate the comment 🥰

[@RussellLewis5042]

I requested a LOWERING of my MGM branded Mastercard. Since I go to Vegas often enough that my rooms are comped, drinks, etc. I only use this card on Vegas related items, gas, food, a show and the like. Lowering the limit to only 3K prevents me from going nuts and contemplating staying another week or doing something stupid. Just enough credit to have a great time for a few days and go home. It DOES throw them off a bit when you call and tell them you want to lower your limit. It took an agent, a supervisor and a search through the rule book to get it done, but it can be done.

[@joshua.butler]

Hahaha that's epic. Thanks for sharing that. And yeah, it's great that you eliminated that temptation by lowering your limit. Smart move here!

[@nafeesawilliams887]

This was an informative video. Thanks for this.

[@joshua.butler]

Glad you liked it! Thanks for the comment

[@GiftedInvestor]

Bro honestly i was watching, but seeing your sense of humor when you introduced your daughter as an intern made me have to follow 😂🔥

[@joshua.butler]

Hahaha thanks! I like being silly 😜 And my dad is adorable

[@OfficialChadsMoneyMinutes]

Hey Josh welcome to the Dads club and congrats on the beautiful new co-star!

[@joshua.butler]

Thanks so much Chad!!! 🥰

[@TheCreditFrog]

Awesome video Josh!! Dang, you really made out like a bandit with those CLIs! Appreciate the shoutout - I probably need to do a CL update video soon since there've been so many changes since my last one! And poor CJ, that's all I have to say 🤣🤣🤣. Congrats on being a new dad! Alice is beautiful, and it's nice to see you back to making videos!!

[@joshua.butler]

Stanley!!! Thanks so much bro. I think we’d all love to see a new credit line video from you 😍 I’m really grateful to have Alice…she’s the best thing that’s ever happened to me!

[@narayanhill9832]

Dope video Josh!

[@joshua.butler]

I really appreciate it 🥰

[@kevindao1103]

Capital One gonna Capital One 😮

[@joshua.butler]

Hahaha, right? It still caught me off guard even though I know how they are.

[@Usmc031189]

Love Amex.

[@joshua.butler]

Same!

[@HarshSingh-lq8sk]

Thank you very much for these insights! Always loved your transparency and please keep up this awesome work. It is super beneficial!!

[@joshua.butler]

Happy to hear you liked the video. I appreciate the support!

[@heykenai]

Super helpful video

[@joshua.butler]

Thank you!

[@Leoprieto74]

Had Stan the Frog ever been selected for a financial review by Amex? He really has a high cumulative credit limit.

[@joshua.butler]

I actually don’t think he’s ever been selected for a financial review. He definitely has some healthy limits 🤑

[@Leoprieto74]

@@joshua.butler I read somewhere that over $40k credit limit (cumulative) often triggers an Amex financial review. I am currently at $42k with Amex with three of their credit cards and I haven’t been selected for a financial review. Between you and me, I would like to go through one with Amex. Yes, I really have free time to go through one of those! Will be fun for me!!! Cheers 🥂

[@Leoprieto74]

@@Shawn.credit Good for you 👍! yes, I am also 100% legit so I have no concern of any financial review from any of my cards issuers.

[@evanerdman]

HELLO ALICE

[@joshua.butler]

Alice says hi!!! 🤪 thanks so much

[@sciencelabvideosl7558]

I don’t think you’ve done a video on the Fidelity Visa . Please do one. Thank you.

[@joshua.butler]

Will do!

[@DJOctober]

Ridiculous video! I bet if you would have let those other hard pulls go through, you applied for the second credit union card, AND if you wait the 30 days per card to increase the rest of your chase cards, you would easily be over 345k to edge out Stan! I’m working towards having 100k+ in personal credit line and 50k+ business so I’m never over 10% utilization on either side. I was crying when the rep was reading you the terms and you did the slow zoom in 😆 Gotta love CJ! I want you or Stan to hit 500k! Love your content. - Ivan

[@joshua.butler]

Oh man... if I went absolutely nuts and didn't care about hard pulls, you're right, I probably could've hit 345+. I was still a little hesitant in asking for too much lol. But now 500k is the goal, so let's see if we can hit it!!! Glad you enjoyed the video. Thanks for being here, Ivan. 😍

[@citycen01]

Cries in bad credit. I’m fixing it, we’ll get there.

[@joshua.butler]

You got this!!!

[@citycen01]

@@joshua.butler thank you, just watched your Built application video and was floored at the initial denial. Understanding how the credit system works is something we need to take seriously, so thank you for your content. Congratulations on the new baby!

[@joshua.butler]

It's challenging trying to keep track of the intricacies of the credit system. Every lender has their own quirks. Thanks so much! Being a dad has been incredible so far.

[@kw8282]

This video is SO helpful! Exactly what I needed. Did you keep your credit frozen during all requests?🎉

[@joshua.butler]

I’m glad you liked it! Yes, my credit was frozen for all of them.

[@JacobsPointsAndProfit]

This is a really cool video! Thanks for sharing your experiences. I'll take your advice to not try this at home, at least until I get my income up haha

[@joshua.butler]

Hey! I really appreciate it. I think this could be a cool video idea to do once or twice a year.

[@lisajohnson8589]

Blessings to your beautiful baby.

[@joshua.butler]

Thank you so much! ☺️

[@LK_EBM]

Lmao 😂 that $1k Venture X increase

[@joshua.butler]

It was so pitiful I couldn’t help but laugh.

[@kmb6916]

from 15k on Venture X to 30K.

[@joshua.butler]

Nice increase!

[@simplelifemoneymatters3901]

Random question: you got a video on airline miles cards and which are the best? Thinking of getting a Delta one for the miles benefit but not sure if worth it.

[@YanLuo]

I originally had 11k on my CFF which requested a credit line decrease to 5k back in may this year as I am adding an AU that I can't fully trust financially. I am near 100% utilization right now as I still have half a year of 0% Apr and just tried requesting the CL increase. With the same income provided as my original application, no luck to even going back to the original 11k limit. They probably don't like to see such high utilization before the request 😂

[@joshua.butler]

Interesting situation! Thanks for sharing it. I'll make sure to include this type of information in future videos. Chase doesn't allow for spend limits for authorized users, but some other card issuers DO have this feature...Amex being one of those issuers. You'd think Chase would have this seemingly simple feature, but 🤷‍♀️. It would have been nice for you to have been able to set a spending limit rather than having to reduce your credit line. And yeah, you're right, they probably aren't approving the increase due to the utilization %.

[@SmileyJonez]

Capital One should be called Capital Done thats my lowest card nevr gave me an increase

[@TNMENT]

Do the State Farm business credit card

[@tom.5249]

Wait, I thought the Verizon Visa only has a max limit of 10K? Interesting..I have it too with a 4K limit.

[@gf1507]

Great video! How much personal credit is too much? Is it when you have 2x or 3x your total gross income?

[@joshua.butler]

It's not really possible to have too much available credit. However, like I mentioned in another comment reply, credit issuers may have caps in how much available credit THEY are willing to offer you. If you reach their cap, they will typically allow you to pull available credit from one of your other cards issued by them.

[@gf1507]

Thanks for the info. @@joshua.butler

[@ctrushfan8575]

Interesting video Joshua. Won't the additional available credit hurt your chances for being approved for new cards in the future?

[@fiduciary2244]

No not if no hard inquiry was done

[@joshua.butler]

No, in general, available credit will only be beneficial. Credit issuers may have caps in how much available credit THEY are willing to offer you. If you reach their cap, they will typically allow you to pull available credit from one of your other cards issued by that issuer.

[@TitanIV_Pad_Rat]

You mentioned your credit freeze several times. What is process for freezing your credit?

[@Erock634]

Pump pump, pump it up...

[@joshua.butler]

🙌🙌🙌

[@sfiedler015f]

❤❤

[@joshua.butler]

😍

[@InterstateLivin]

Great content! But I have 2 question. Why do you have the same chase card twice ? Just curious

[@joshua.butler]

I have two freedom flex cards because I product changed my chase slate over to a freedom flex. It's generally smart to apply for a new freedom card before doing this so that you can take advantage of the welcome offer. If I would have product changed my slate to the freedom flex earlier, it would have prevented me from applying for my second freedom flex because Chase does not allow new applications for the card once you already have it. Let me know if you have any other questions!

[@InterstateLivin]

@@joshua.butler thanks for the info. Very informative. I’m going to try getting my limits raised too after seeing this but first I’ll need to freeze my credit.

[@crystalcokeley9041]

Baby Alice!!!!!! ❤

[@joshua.butler]

🥰

[@superflee12]

Does this affect your ability to sign up for new credit cards as you are pretty much at almost 2x credit limit for your annual income? I heard banks do not like to extend new credit to customers if they already have credit that is over 50% of annual income.

[@joshua.butler]

Banks will typically have a maximum limit they’re willing to extend you based on your credit profile and income. However, I wouldn’t be concerned about this because they generally allow you to pull available credit from your cards in order to open a new one if you’re at that maximum. For instance, when I was younger and opened my second Bank of America card, my first card had a $26k limit. In order for them to let me open the second card, they made me pull $4k of available credit from the first card to put towards the second card.

[@IJCALDWELL29]

Hey Josh! GREAT Video and Awesome Information! I am curious tho... we see your incoming but what is your CREDIT SCORE sitting at? I have been trying to RAISE my limit on my Hilton Honors Amex with no avail. 🤬🤬 #theyStingy And I have 2 Business Amex's with them! smdh ANY SUGGESTIONS?

[@joshua.butler]

Thanks so much!!! My score was around 815 when I made these requests.

[@CoachAnthonyMiller]

Hello, Josh. I was totally unaware Chase removed the Hard Pull for CLIs. Does it make a difference how you request the CLI? Some banks will hard pull you if you call in and speak with a rep, but won't hard pull you if you request the CLI in the app. Thank you.

[@joshua.butler]

Hey! As far as I’m aware, it doesn’t matter how you request it. It’s always a good idea to freeze your credit to prevent any unwanted surprises, however.

[@CoachAnthonyMiller]

@@joshua.butler Cool. Thank you.

[@4jairus]

Funny how I did the same thing today, and my local credit union required a hard pull. Yeah, that's a hard pass.

[@joshua.butler]

Hahaha, yeah I'm not about that life 🤪

[@jameltanderson]

If you don’t use discover they are gonna say absolutely not 😂

[@joshua.butler]

YUP!! LOL

[@raykibiri]

I have the Bilt MasterCard for about 7 months only $1500 CL, I use it for rent and other expenses. How much do you think Ill can request? Great video

[@joshua.butler]

That's a great question. If I had a $1500 credit limit, I would probably request that it be doubled or tripled. This will depend on your credit history and income, however. It's possible for them to make a counter offer if they can't increase your limit to what you had requested. They may require a hard pull for credit line increase requests over a certain amount. If you want to avoid a hard pull, make sure to freeze your credit before making the request.

[@raykibiri]

Thanks I'll do that 👍

[@venkateshTD]

I don’t think chase limits credit line increases to 1 per month. I got two of my chase card limits increased in two consecutive days by $14K combined

[@joshua.butler]

Oh wow! How did you go about requesting them?

[@venkateshTD]

@@joshua.butler I've held two Chase cards for approximately 3 years now and had never requested a credit line increase, despite intending to do so for a while. After watching this video and a few similar ones, I decided to try it for my CSP card using the Chase app, resulting in a $9K increase. I didn't plan on doing the same for my Freedom Unlimited card initially, but since these requests don't involve a hard credit check, I decided to give it a shot the next day. To my surprise, I received a $5K increase on my Freedom Unlimited card.

[@MyDVCPoints]

This was the video I couldn’t stop watching despite the fact I cringed the whole time as you already had more than enough rope to hang yourself. Brilliantly creative storytelling on this journey.

[@joshua.butler]

Hahahaha, thank you! I definitely enjoyed making this one even though I honestly have no need for all of the extra available credit.

[@rounaksethia5497]

Did it affect your credit score?

[@joshua.butler]

Nope! I froze my credit to make sure I didn't get any hard pulls. If anything, my new higher limits will help my credit slightly by keeping my utilization even lower than it was.

[@rounaksethia5497]

@joshua.butler I meant positively as they say higher limit is better for credit score, less usage.

[@joshua.butler]

@@rounaksethia5497 oh haha whoops! Yeah, it’s one of the quickest ways to increase your score since it reduces utilization. It is much more impactful when your total available credit is lower. For instance, going from 1k available credit to 100k will have a much greater impact than going from 100k to 200k.

[@davewhite756]

Dude? Are we brothers?

[@joshua.butler]

Yes!

[@SupremegreenlawncareLLC]

Cap 1, is the worst!👎🏿

[@joshua.butler]

🤣

[@thedanwriter1]

Based on your credit card portfolio. You’re not a fan of cash back

[@joshua.butler]

I prefer points and miles, but if I can get 5% cash back in a particular category, that’s hard to beat! I use my US Bank Cash+ for 5% back on utilities/gym and my Abound Platinum for 5% back on gas.

[@edwardblackmonjr8275]

How did you get the venture? X with a $30,000 credit limit,,what was your score?

[@joshua.butler]

It was in the 800s I believe. I cover my credit history stats in the watch me apply video: The Capital One Venture X // Watch Me Apply! kzbin.info/www/bejne/mmLQpKyEaZeSebM

[@edwardblackmonjr8275]

Thanks Josh,,,, Beautiful little girl

[@ItsMeCJ]

First!

[@crystalcokeley9041]

Grrrrrrrrr

[@joshua.butler]

Wow CJ, you’re on your A game today 🥇

[@ItsMeCJ]

@@crystalcokeley9041 you’re welcome 😉

[@bujaminvokshi6864]

The light stand behind your back is very distracting and painful to the eyes when watching at nighttime. Thought I would share this in case others agree with me.

[@joshua.butler]

I appreciate the input!

[@bujaminvokshi6864]

The video was great otherwise, great informative content. Also enjoyed seeing that little cutie human companion. Congratulations!

[@joshua.butler]

Thank you! I'm always doing my best to improve these videos to make them as enjoyable as possible, so don't hesitate to leave comments. Yeah, she's definitely adorable...really grateful to have her in my life 🥰

[@SkyArmysGeneral]

He just wanted to flex his income

[@joshua.butler]

I’m sorry to hear that’s your takeaway from this video!