Fill all your wallet slots here - www.profitablecontent.com
@brianmiddleton29563 ай бұрын
So you are a Ypsi Guy? I knew you were from Michigan. Super local to me!
@RJFinancial3 ай бұрын
@@brianmiddleton2956 Shout out! Yes sir, a little ways from Eastern's campus
@brianmiddleton29563 ай бұрын
@RJFinancial I'm not to far from you. Located down US 23 in Monroe County
@deljay18403 ай бұрын
RJ's videos just make me sit back, listen and learn.
@Airport_Dad3 ай бұрын
Recently burned a 5/24 slot for the USBAR because it’s so hard to qualify for and I happened to qualify for it at the time.
@RJFinancial3 ай бұрын
That's fair, gotta play the approval game sometimes
@harrisonwarner64373 ай бұрын
This month I picked up the Barclays Wyndham Earner Plus 100k, Moving me from 1/24 to 2/24. It was a big Deal to pick a card that would take a slot and really appreciate your take/view. Being I was schedule to be 0/24 this November wanted to get card before I fall to 0/24 To help stagger the dates etc. you had a video in the past on that subject too that was great.
@RJFinancial3 ай бұрын
Appreciate it, congrats on the pick up
@johnny_ma3 ай бұрын
Currently gardening to be below 5/24 with that doing some business cards with the triple cash then signify. Should be below in November. By then should potentially get some upgrade offers for Hilton cards. Plan would be to grab an Ink Preferred and then a Venture X when below 5/24
@RJFinancial3 ай бұрын
Gotta make use of your under 5/24 time, I say hit all the ink cards again. I've seen a few folks run through a card every 30 days
@jimmyjames64923 ай бұрын
Thanks for the info + video!
@callmeNeno3 ай бұрын
Currently at 5/24 won’t be under until July. I will be 3/24 by November. I promised myself I would not apply for any cards this year because I wanted my credit age to season a bit and inquiries to fall off. It’s not easy, but worth the wait. Got my eyes on Ink Cash and CSP to complete my Chase ‘ trifecta next year since I have some big expenses for 2025.
@RJFinancial3 ай бұрын
You're close enough that holding out makes sense. Be ready for the next round of ink offers
@GEN512X3 ай бұрын
I think i will try and grab up the hyatt personal and a chase ink cash next year when under 5/24. Think I will limit my loyalty to Marriot and Hyatt for now; so I don't have to worry about 5/24 in 2025. Will try my luck at BoFa and atleast 1 US bank card.
@RJFinancial3 ай бұрын
Marriott is good since it also has Amex as a partner. Easier to earn points and offers when over 5/24
@tooeasy42173 ай бұрын
6/24. Burned a slot citi and cs plat. Had an emergency and need to cash out mr points. Amex NLL offers are always out there so no need to worry too much about points. Might go for that 5 percent back cash setup tbh.
@RJFinancial3 ай бұрын
That's fair. Take the money, especially when you needed it.
@ApprenticeOtaku3 ай бұрын
I'm at 4/24 right now. The only Chase personal card I'm thinking about is the Amazon card(even though I rarely make Amazon purchases). I just got the Chase Sapphire Preferred with the $850 intro bonus this month. Cards that I want in the future are the US Bank Cash+, the Chase Business Preferred for the rumored big intro bonus, and I KINDA want the Citi Rewards+ but that one is very low priority.
@RJFinancial3 ай бұрын
Rumor is there's going to be a 120k ink offer next week
@newagain99643 ай бұрын
@@RJFinancialahhhhhbb NOICE 🫡
@MyNameJim3 ай бұрын
My favorite credit card map I’ve seen someone show me is to completely avoid Chase altogether. Ironically, this gave them more “Freedom” in choosing their credit cards. I’d love to see how you’d recommend a beginner approach their card strategy without Chase.
@RJFinancial3 ай бұрын
Interesting idea. I guess we'd need to start with a goal. Some issuers we know are sensitive, so it's probably capital one first. After that, not sure the order matters a ton unless you're going to get super aggressive with it.
@MyNameJim3 ай бұрын
@@RJFinancial I think the video I saw recommended a starter card, but then jumping straight into the Amex Gold to cover dining and groceries. I don’t remember what comes after that, but it makes sense to me.
@sol_nb71433 ай бұрын
Chase is still some of the best cards to get though.
@scarling93673 ай бұрын
I've seen something similar. They recommended starting with Discover, moving to Capital One, then whoever, with Amex being end game.
@newagain99643 ай бұрын
Bruh. Chase has the most and likely best selection of cobranded cards. And their own biz cards are super legit. Avoid Chase? 😂. Y even be in this game??
@thejokerspeaks3 ай бұрын
Chase needs to change it to 24/5, us churners aren't messing around.
@RJFinancial3 ай бұрын
lol they need to up their risk model to distinguish between true dangers and us
@travelpointsfamily3 ай бұрын
The value of a 5/24 slot depreciates the longer you invest in maximizing credit cards. It matters a lot in the beginning, but eventually you need to move on. Chase has done a fantastic job of manufacturing scarcity in their products and making their cards a priority through the 5/24 rule.
@RJFinancial3 ай бұрын
Well said, and I agree. Much more concise than rambling for 15min like I did lol
@travelpointsfamily3 ай бұрын
@@RJFinancial But what would I have watched for the next 12 minutes? 🤪
@dizzyg68623 ай бұрын
The last 2 cards I used a 5/24 slot on were BofA Premium Rewards card and Citi Strata Premier
@RJFinancial3 ай бұрын
Money wise it was worth it
@docsays3 ай бұрын
Great video RJ I was just wondering this myself. 🤔 Im currently 8/24 & have been gardening since January. Its tough because i will need at least 1 more no FTF card for a europe trip this year, but on the fence. Im trying to stick with business cards
@RJFinancial3 ай бұрын
I'd say look for biz card that could hold you over. Since you've been committed to gardening this far as is
@docsays3 ай бұрын
@@RJFinancial - thank you sir! I think you are right. I just got a pre-approval in my AmEx account for the business platinum! 150k MRs on $15k spend + 5k more MRs if my employee/AU spends $1k in 3 months. I think im gona go for it!
@Lifeissorich.3 ай бұрын
To me for a personal card I need for it to be a 4x or 5x category with a sign-up bonus would be nice but I have so many cards and do plenty of bank bonuses throughout the year $200-$300 for a personal card with bad earning categories isn't worth it when I can get a business one with $500-$750 cash bonuses with a little manufactured spending to hit the minimum spend requirement.
@RJFinancial3 ай бұрын
This is a reasonable approach. It's probably not worth all the $100 offers I do but... money
@jonanderson42803 ай бұрын
Chase mentioned that I am approved for the ink cash business, what does that mean? I didn't apply for it.
@RJFinancial3 ай бұрын
Maybe a pre-approval marketing thing. They don't mean much really, it basically says we're likely to approve you but still have to do the credit pull and all that jazz. I'd wait as there's a rumor of a 120k ink offer coming next week.
@shawn.credit3 ай бұрын
If I want a card I don’t lose sleep over a Chase slot I’ve been laughing my ass off every new card I get approved for all while Chase kicks the 5/24 can down the road. I’ve actually surprised myself and haven’t looked back since, Chase cards are nice but imo they’re the Ford or Chevrolet of credit cards everyone has them.
@RJFinancial3 ай бұрын
I agree. Once you've hit the core cards 5/24 is meh. There's only a few that are actual keepers, some can be more useful than others. I really don't use my Freedom's much these days
@evangibson80203 ай бұрын
Based RJ
@nMeScArZz3 ай бұрын
Hey RJ, does bank bonus hunting and a low Chex score have an affect on your potential to get a mortgage loan?
@RJFinancial3 ай бұрын
No, I got my 3rd mortgage in February with no issues or mention of chex. In all my years being on the mortgage desk, I don't recall an underwriting system that ever pulled chex. Not to say they couldn't but it's largely based on what the investors require (Freddie/Fannie)
@nMeScArZz3 ай бұрын
@@RJFinancial cool, thanks for the insight
@mtnbob3 ай бұрын
I think the floor value of a 5/24 slot is $750 Opening a card for less than that value in year 1 is not there for me
@RJFinancial3 ай бұрын
Haha last card I got was for $100... i agree but I have a problem
@flubberghosted24723 ай бұрын
I nuked my 5/24 this year. I thought I was just gonna add a Blue Cash Everyday, but I also got a Fidelity Visa, Freedom Unlimited & Strata Premier. OOPS!!! 😬😬😬
@RJFinancial3 ай бұрын
Anything worth doing is worth overdoing
@newagain99643 ай бұрын
@@RJFinancialcmon bruh. It is Thru Discipline we get what we want. Not hyperactivity or overindulgence. Btw did u or Luke come up with “worth overdoing”? He used it in one his latest vids.
@curmudgeonextraordinaire18843 ай бұрын
I’m currently at 1/24.
@RJFinancial3 ай бұрын
Rumor has it there's a 120k ink offer coming next week, now's your time
@JazzyMarineVet3 ай бұрын
🙌🏽👐🏽🤲🏽 mmmm👄 Love all the hand movements and action
@lopezzepol13 ай бұрын
The IRS - they take what they can from our paychecks
@newagain99643 ай бұрын
It’s almost as if the elite have congress write laws that benefit them the most😮. Hmmmmmm
@001looker2 ай бұрын
Chase is not worth it at all. Plenty of citi cards that are as good as Chase.
@RJFinancial2 ай бұрын
Straight cash perspective Citi isn’t close. Intro offers aside, yes the core cards are probably in Citi banks favor.