Thanks for tuning in! I'm building out a Chase 101 Playlist - checkout how to read a Chase card statement next - kzbin.info/www/bejne/iYOUeah7maZ9jKs
@Heart2HeartBooks Жыл бұрын
Been with Chase for 14 years both Pers and Bus accounts and merchant account. I applied for Prequalify chase card and they turned me down. I then spent about 2 hours on the phone being bounced around and NO ONE WOULD tell me what I needed to know or do to be able to get a card. On my Credit Journey on my chase web account page I Have a 765 credit score! They frustrated the hell out of me so..............I filed a complaint with the CFPB Consumer Financial Protection Bureau. Two days later!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! I get a call from a woman at chase and she is working with me to help get me a credit card!!! Gave me her direct personnel number too! I have used this bureau about 15 times while working on getting cards and getting better interest rates and so on. Every time they have come thru for me! Every time I have gotten the right help! I love it when Out pos govt can sometimes actually do something helpful! I will keep you informed. P.S. I have applied for and received 9 credit cards in the last 10 months. Wonder if they will be forced to tell me they have a 5/24 rule. asked the girl and she said she never heard of it. I could easily tell by the sound of her voice she was LYING!! I told her that if she googled Chase five twenty four rule you would get about 2,00,000 pages on the subject and not one of those pages denying the existence of the rule! She still denied knowing about it! Lets see what they tell me! They have no other excuse. I make over 60,000 a year I have over 200K in stocks including 30K on my chase account. I am excited to hear their excuse. Any way you look at it.............They must satisfy me or I escalate it with the CFPB. Oh...one more thing.......My utilization rate on 287,000 in credit is at about 1.5% $4,116. as of today.
@auditore872 жыл бұрын
I hit 4/24 on April 22. On May 1st I was approved for Freedom unlimited and on the 3rd for the Freedom flex. Weird but awesome at the same time. I already have the Sapphire Preferred.
@RJFinancial2 жыл бұрын
Nice to see the double up still works. It does take maybe a month for new accounts to report to the agencies. I feel like if Chase cared more they could catch it
@docsays2 жыл бұрын
Damn 2 freedoms in 3 days. Thats hella good.
@davidhensey2000 Жыл бұрын
I just got approved for freedom flex and I was at 5/24. I had applied previously for Tomo and capitol one secured card in September 2021 Apple and freedom unlimited in March 2022 Amazon visa in June 2022 Applied for freedom flex today and was approved with $2500 limit which is the lowest among all my chase cards with the other two being $5000 and $4800 When I applied for Amazon in June, I asked private client banker about when should I apply for freedom flex and she told me to apply in 1-3 months. I was denied each time initially when I applied for every chase card and immediately called the reconsideration line and was approved every time. I am chase private client with no debt, but mediocre credit around 650. A parent screwed it up when I was younger. And have about 3-4 years till negative marks are removed.
@RJFinancial Жыл бұрын
Hey that's pretty good run of cards. It use to be that being Private Client could get you around this rule. Perhaps it still can work? Either way, congrats on the new cards
@SpencerJohnsonOfficial2 жыл бұрын
I completely agree with your strategies both if you are under 5/24 and if you're over it. I am currently about to be at 5/24 but will be at 4/24 in January, so I am planning on applying for Chase business cards at that point to maintain that 4/24 status until another card comes out that I want to get. Great video!
@RJFinancial2 жыл бұрын
I've been hitting the biz cards hard. So much so that I forgot to check back in on my 5/24 status... that's what lead me to get the custom cash believe it or not. I'll make a vid on that soon. Ink cash is my fav chase biz card. The others are ink cards are good for the bonuses.
@SpencerJohnsonOfficial2 жыл бұрын
@@RJFinancial Haha that’s awesome. I love that business cards don’t count towards the 5/24 rule because I am currently in the accumulating stage of my credit card journey (and likely will be forever lol) so to be able to keep on farming bonuses over time is really nice. I am planning on starting with the Ink cash and then moving to the unlimited and farming the rest for bonuses after that. Thanks for the advice!
@williamlinden7322 жыл бұрын
I'm LOL/24, a couple of weeks ago I went for the Marriott card and was denied for 5/24. Just wanted to give you that point since you mentioned it, with the new SUB, I thought about going for it again, but your uncertainty, I don't think I will. Maybe a UAL card???
@champstar96692 жыл бұрын
Over 5/24. Applied for a United personal card on the reports that the 5/24 rule doesn't apply to that card. Denied. Player 2...same story. So I for one do not believe these reports. Possibly people are mis-counting how many accounts they've opened. Like saying they are 6/24, but 2 of them are business cards or something like that, so they're really at 4/24 and just don't know it.
@RJFinancial2 жыл бұрын
Thanks for adding it. I hadn't seen anyone saying Marriott had worked but I've seen the card listed in articles from some of the main outlets. United cards are good. I have seen data points on those cards. Those have multiple options that are good at any entry point. I'm a fan of the Quest and Explorer
@Jason_The_Man2 жыл бұрын
Great breakdown as usual. Thanks for all your hard work.
@RJFinancial2 жыл бұрын
My pleasure sir, thanks for stopping by and have a good weekend
@derek83152 жыл бұрын
Credit Karma is where I check my 5/24 status as another option
@RJFinancial2 жыл бұрын
That's a good one. I recently made an account, mainly to look for targeted offers on cards/accounts
@Spencerwalker212 жыл бұрын
Derek dumb question if I sign up for credit karma will it display when I got x credit card or whatever or do I need to input that myself.
@derek83152 жыл бұрын
@@Spencerwalker21 it knows
@Spencerwalker212 жыл бұрын
@@derek8315 thanks I'll look into doing that then. I think I hit 5/24 need to plan out when I can get my next chase card.
@callmeNeno2 жыл бұрын
I am exactly at 5/24 and will be 3/24 in October. Currently only have CFU. I was thinking of the Amazon card hmm don’t know. I was going for next CFF and then Ink business and then CSR or CSP.
@RJFinancial2 жыл бұрын
Amazon card can make sense. Depends on how hard you hit the category cards. Myself having 3 freedoms and the Ink Cash I tend to buy Amazon GC's when I need to make amazon purchases. If it's a cash back setup and UR's don't matter then the Amazon card would be fine to add. Maybe push it out now that we see it being excluded from 5/24
@docsays2 жыл бұрын
- Hey Neno, they're all great options. I just picked up the chase INK business unlimited, & will hopefully get the Flex in 2023 to complete my trifecta. When i was rebuilding, i got the amazon store card from sychrony. works just like to chase amazon card, just no 5x at whole foods. If you get 1 of the sapphire cards next, you will have access to all the transfer partners & travel insurance/protections. Just fyi.
@callmeNeno2 жыл бұрын
@@docsays thanks you Doc and congratulations 🎉🎊🍾 on your new card.
@docsays2 жыл бұрын
@@callmeNeno - thank you sir
@lagaleven15062 жыл бұрын
Very good summary. Looking forward to seeing some new good things from Chase this year.
@RJFinancial2 жыл бұрын
I'm looking for a CSP 100k again... or hoping anyways
@VincentPascual2 жыл бұрын
True story: One of my Chase cards has an expiration date of 5/24. Right now, I’m at 2/24 and I have my eyes on the United Explorer card and the Sapphire Preferred whenever the offer is higher again. I’ll be eligible to apply for a Sapphire card when the 48 month period ends early next year for me.
@RJFinancial2 жыл бұрын
Ha that's awesome. Sure someone would call it a collectors item. 2/24 is a good spot. I'm also waiting on a high CSP offer. Hoping 100k comes back this summer
@jeremymoore4502 жыл бұрын
RJ, Great video man. I have heard of if you go in branch the 5/24 rule may not apply. Bankers want the bonus so they can overwrite the 5/24 rule lol. I don't know how many times they will allow that though. Hehe
@RJFinancial2 жыл бұрын
Not sure if they can still do that. Back in the day everyone was your friend. I would guess risk management would have stepped in to prevent this. As a banker will open anything for anyone who can fog a mirror.
@robfaison57262 жыл бұрын
Hey! Thanks for the update. I will be under the 5/24 rule in August. So in September I will go for the Hyatt card. I already have the CFU and the Ink Preferred Biz. I also have the Amazon and the IHG cards.
@RJFinancial2 жыл бұрын
Always at your service. Hyatt is a keeper. They do have a biz version you could grab. It's not as much of a keeper but a decent points grab to extend out the 5/24 status
@Trezn Жыл бұрын
I have 6 cards 1 closed so 7 all in 1 year I’m just starting credit they’re not bad cards and don’t think I have bad credit either my avg age is 7mths score is 739
@davemartinez41432 жыл бұрын
I am currently over 5-24. So I believe I heard you correctly I had to play it a couple times. The Southwest cards are not subject to the 524 rule are at the very least they're not an automatic no
@RJFinancial2 жыл бұрын
It's a tough call. I've seen plenty of crowd sourced data that have been getting approved past 5/24. Then I've seen other KZbinrs get denied.... I've also seen it on some sites thriftytraveler.com/guides/credit-card/chase-5-24-rule/ Since chase doesn't announce this it's hard to say for sure but I saw enough people posting proof that I included it sort of as a YMMV.
@davemartinez41432 жыл бұрын
@@RJFinancial nonetheless thank you very much for the video. At the end of the year I'll give it a shot.
@thejokerspeaks2 жыл бұрын
Jamie Dimon rejected me for the IHG Business, at least that's how it looks by Chase mailing me a letter. I'm guessing that the Wyndham Business pulled from personal, which puts me at 5/24. I've also closed on two mortgages, and a solar loan, within 3 months. The Chase Business cards will have to wait until October.
@RJFinancial2 жыл бұрын
I feel like there was a story a few weeks ago where Barclays messed up and reported the Wyndham biz card to personal credit. I think they fixed it tho. Could be worth looking into Mint/Credit karma to see if it's still showing on personal
@docsays2 жыл бұрын
Great Info RJ!!! Im super stoked. Just got approved for the Chase Business INK Unlimited! 😁 I was already at 5/24, but card #5 hadnt reported to the credit bureaus yet, so i knew i had short window to sneak in a chase app, before going dormant until 2023. Had to call the recon line, but had a great rep, who pushed it through!
@RJFinancial2 жыл бұрын
Look at you, sliding in under the radar like that. That's a good pickup for the bonus. I'm not sure why chase doesn't refresh the unlimited to be better. Maybe more like the Triple cash. Recon is surprisingly very helpful. I've had to call twice and both times went well. Congrats sir, enjoy those sweet UR points
@docsays2 жыл бұрын
@@RJFinancial - thank you sir. It was shot in the dark, but glad it worked out. time to work on that bonus!
@RJFinancial2 жыл бұрын
@@docsays If you like shots in the dark... this bank bonus had $5k of CC funding available. Downside is many of us who signed up have been getting our deposits refunded and accounts sent to manual review. No promises But it's a shot lol kzbin.info/www/bejne/pHeafWCZgtdlg80
@marquis98212 жыл бұрын
I was at 5/24 and got approved for the freedom flex last week.
@RJFinancial2 жыл бұрын
Nice, it is possible to slip by if you've opened a card recently that hasn't yet shown up on your credit report.
@newsnowadirondacksredux3602 жыл бұрын
Nice information on the Co Branded cards.
@RJFinancial2 жыл бұрын
Thank you sir. At least here, I've seen mixed results for folks going after United cards. Yet, I have the major outlets reporting that those cobranded aren't counted.... so not sure what to think.
@TheAudioCzar2 жыл бұрын
I'm really not impressed with Chase cards and their multiplers. So if they don't want me as a customer because I've had 5 or cards 🖕🏾em. I will say though the main reason I would want chase is to have southwest as a travel partner.
@RJFinancial2 жыл бұрын
Haha that's fair enough. To your point, the issue that Chase runs into is too much focus on the rotating category card. They keep all the good multipliers on those. CFU/CFF are good cards on their own but there's no consistent grocery or gas (Ink Cash gets 2x) You really have to have multiple Freedoms, which I do but the masses would not.
@TheAudioCzar2 жыл бұрын
@@RJFinancial when I was under 5/24 I was choosing between freedom and unlimited and savor one. I went with Capital One. Offered a lot more in my opinion
@cjjunkee86022 жыл бұрын
Great video RJ!!! So the Southwest, United, Marriott, and Amazon are not affected by 5/24, if so, we can still apply for them even if we're over 5/24? Thanks RJ!!!
@RJFinancial2 жыл бұрын
That's the word on the Street. There's not a formal announcement from Chase but a few of the major outlets have reported it along with some user data points.
@cjjunkee86022 жыл бұрын
@@RJFinancial I remember a few months ago, a lot of people got approved for the Amazon and Southwest cards but never heard about the United and Marriott, have to look for more DPs coz I want to get the IHG and United but am at 4/24, don't want to waste a slot, I know I'll be getting the all the biz card from Chase. Thanks RJ!!!
@RJFinancial2 жыл бұрын
@@cjjunkee8602 We've had folks here chime in about not having any luck with United. I've seen them reported by the major outlets at one point so not sure what to think
@docsays2 жыл бұрын
- another yter just did a video about a denial for the southwest card for exceeding 5/24.
@brianbeedavis2 жыл бұрын
Hi RJ, great vid. Thank you. I might’ve missed this, but would the Amex platinum count as a slot, re “charge card” v “credit card”? Assume so but worth asking. :-)
@RJFinancial2 жыл бұрын
Thanks you. The Amex charge cards would count towards 5/24. I don't think I mentioned it specifically. On the Mint slide, those Amex cards I have, two were charge cards and showing on the personal average age of credit
@brianbeedavis2 жыл бұрын
Thanks, RJ. This might be a bigger Q, but if I have an Amex plat and want to stick with Amex, what would be the draw of getting chase cards, versus pursuing the optimal Amex setup. Would the benefit primarily be bonus hunting? I like the appeal of certain cash back multipliers here and there with Chase, but does that only water down the effectiveness of the Amex setup, etc? I get confused how and why to have both setups. Thx, man!
@tiwiks12 жыл бұрын
@@brianbeedavis primary benefit of going for the Chase setup is so you aren't locked out of getting Chase cards if you are at 5/24. AMEX doesn't have that restriction so you can get those after getting a bunch of Chase cards. In regards to watering down AMEX, any time you are chasing SUBs you are watering down your cashback/miles potential. For instance, if I am trying to meet a platinum SUB, I may use it for grocery purchases instead of my Blue Cash Preferred that gets me 6% cashback.
@wanderingdoc50752 жыл бұрын
RJ, I just applied for and got the chase boundless card today. Assuming that counts as an open account, I am at 4/24 now. The card that I really want is the United club infinite card but I also kind of want the world of Hyatt card. From what you are saying, if I apply for the world of Hyatt first, that will put me at 5/24, but then I can apply for the United club card and get approved?
@RJFinancial2 жыл бұрын
If you go for any personal card you'll be 5/24 and locked out. If you apply for the business United or business Hyatt you will still be 4/24. Business cards pull personal credit but they don't report to personal credit (unless the account goes delinquent)
@tremac86712 жыл бұрын
Is there a way in which you could talk about the best travel and cash back cards for under $100 outside the AMEX network for 2022?
@RJFinancial2 жыл бұрын
I can look into a vid in the future. Until then Cash back no annual fee 1. CFF/CFU 2. US Bank Cash + /Altitude Go 3. Citi Custom cash 4. Amazon Prime Travel 1. CSP 2. Hotel cards - pick your favorite chain, they all have a $95 option 3. Airlines - Same, maybe United Explorer
@michaeldowning7094 Жыл бұрын
I'm currently 6/24 last card was the Amazon Prime Visa but I want to get either the Marriott Bonvoy or the United card hoping this is true now.
@RJFinancial Жыл бұрын
It seems to be hit or miss from comments. Amex has Marriott cards and the biz version isn't bad, better than the new releases honestly.
@LogosBKC2 жыл бұрын
Currently just 2/24; via discover and CSP Looking to use business cards to maximize Waiting for approval of Wyndham Reward Business Afterwards gonna apply for CFF and BBP Then CUL and IHGbusiness That will put me at 4/24 assuming none of the business cards add on to that Then, ultimately get the ink cash and maybe one more before rounding out with WOH, unless i see a reason to do otherwise. I travel domestically for work on a regular basis so hotels make most sense. Finally for Barclays 6/24 possibly Choice card or nothing as well just depends how i feel that far into future and where the SUBs are The ambitious parts of the plan are the minimum spends and obviously the high frequency application schedule
@RJFinancial2 жыл бұрын
I like it. They have a Hyatt biz as well. Not a keeper but good for one more card and bonus while under 5/24. Minimum spends are tough. If you travel for work is it possible to use your own cards to book things then do expense reports? I've worked at shops that both did and did not allow it.
@Spencerwalker212 жыл бұрын
Us bank also has decent business cards.
@LogosBKC2 жыл бұрын
@@RJFinancial I’m paid per diem typically and even when they pay for expenses i can front run them and report receipts
@LogosBKC2 жыл бұрын
@@Spencerwalker21 but I’ll just get those after 5/24 regardless I’m sure
@LogosBKC2 жыл бұрын
@@RJFinancial and if i get Hyatt biz will that knock me out from getting woh personal for a period of time?
@nysy97 Жыл бұрын
Hi, sorry if this is a dumb question (most likely is a dumb question). Is 5/24 calculated from the date of the last card you received/got approved for or is it from the date of the oldest card you received/got approved for?
@RJFinancial Жыл бұрын
It counts all card accounts opened within a rolling 24 month period. Next Month in July 2023, any accounts opened in June 2021 would fall off and no longer be counted towards 5/24.
@nysy97 Жыл бұрын
@@RJFinancial Thanks so much for the clarification! I truly appreciate it.
@TurnerPG Жыл бұрын
I’m not a Chase client anymore but was wondering if there is any data on if it matters applying for a business card instead of a personal 1st? I know some financial institutions prefer that scenario (personal before business products).
@RJFinancial Жыл бұрын
Not that I know of but now is a great time to do both. There's a chase personal checking/savings bonus for $900 www.profitablecontent.com/chase-900-checking-savings-bonus/ The Ink cards also have $900 offers. Take all their money in one go www.referyourchasecard.com/21n/TC42PU9ZGO (referral link) Either way I'd say your chances are the same with or without having a personal relationship first. The relationship part comes into play most when applying in branch for a checking/savings account. If it was a business account they usually make you do it in branch but the benefit is you'll be offered a card on the spot because it's an easy cross sell.
@TurnerPG Жыл бұрын
@@RJFinancial thanks for the input! Want to load up on some business cards soon but wanted to thicken my personal profile prior to. I’ve managed pretty good I think with 2 open spots left on personal. Time for Chase to pay up! Was a customer for years as they’re everywhere but too many product/fee changes for me. Went smaller and haven’t regretted it! Thx for the content!
@DCGEMINI2022 жыл бұрын
I was denied for the United infinite card last month due to 5/24. 👎🏾
@RJFinancial2 жыл бұрын
Interesting. I've had a few folks mention that. I'm not sure if it was short lived reprieve from 5/24 or what. It's hard to tell because Chase doesn't issue any statements.
@JimmyWebbJr2 жыл бұрын
RJ do you know if you apply for multiple Chase cards in the same day does it still count as one inquiry?
@RJFinancial2 жыл бұрын
I don't think that works any more based on this upon arriving article www.uponarriving.com/the-chase-30-day-application-rule/
@android77642 жыл бұрын
So you mentioned that 5\24 doesn't apply to helocs but does that include all locs like p-locs and other forms of lines of credit?
@RJFinancial2 жыл бұрын
It shouldn't apply to a personal loan/line of credit. I have seen some newer banks issue personal lines of credit in the form of a card but that's still different. If it did catch 5/24, I'd say it could be cleared up thru the recon line.
@android77642 жыл бұрын
@@RJFinancial that's good to know. I've been manually keeping track with my 5/24 journey so I can plan out what cards/finance products I'm going for through the next 4 years. Knowing this helps 🙌 Also very happy that I haven't been shadow banned in a while 🙌🙌
@lebisque91942 жыл бұрын
I just took a look at my credit card spreadsheet and see that I got 3 CC's last year and a product change from Navy Fed, technically creating 4/24. I have a Chase Freedom Unlimited that I've had for years. Using your strategy, I want to apply for another Chase card. I hear they pull from all 3 CRAs. Is this true? Also, is it easier to qualify for the Chase Sapphire Preferred or the Southwest Airlines card? Both have good benefits. I'm in San Diego and I often fly with Southwest, but I don't want to be limited to just that airline. Any thoughts?
@RJFinancial2 жыл бұрын
Navy Fed PC's count as a new account on your report? I didn't know this. I think chase uses Experian. Tho they can use the others at times. Could go Southwest biz card to start. Prolongs the 4/24 status and see how you like it for a year. Most of us tend to favor an airline or hotel chain anyways. You still the flexibility from the UR points you have banked if needed. I'd wait on the CSP until we see another high offer come around, usually in the summer time. I think you could get either card with a score of ~700. Can always go in branch if you want a little bit of increased odds. Bankers love to open new accounts
@docsays2 жыл бұрын
your navy fed PC shouldnt count as a new account. In all 4 of my chase apps they pulled experian. however some data pts suggest in some regions or cases they will pull both experian & 1 other buearu.
@skyt70022 жыл бұрын
Applied for Sapphire few day ago before the promotion expire but for hit with 5/24 , but saw today boundless card has a new promo for 5 free night that 250000, so not sure if I should apply for it, your thoughts
@RJFinancial2 жыл бұрын
I've had someone here say they were denied for the Marriott card due to 5/24. I included that one because I've seen the outlets report it but I haven't seen anyone to get around it yet. Could also consider the Amex version. There is a one lane rule for them which basically says if you get bonuses on Amex side you couldn't turn around and get a bonus on the chase side.
@skyt70022 жыл бұрын
@@RJFinancial the boundless promo only reason I would want to get the card 5 night for $99 af vs amex $450 af and 750000 point, chase one definitely got better promo, guess I ll wait till one of my card falls off in Aug and the promotion is still around
@caterminnis5534 Жыл бұрын
Hi. I have 2 businesses. I am at 5/24 . I have business cards under both companies and I wanted to apply for Chase Ink under one of the businesses. How does it apply if you have more than one business? If pursuing Chase should I just look at those in your list eg United (Business or Personal) and/or Amazon to be safe?
@RJFinancial Жыл бұрын
I believe using an EIN would work. There's an old trick I've seen people do for the Ink cards where they get one with a sole proprietorship and SSN then a second with a legit business and EIN. Business credit wouldn't pull up all the 5/24 accounts you personally have. As long as the app doesn't specify SSN then I think it would work but can't say for sure.
@marcusyoung5440 Жыл бұрын
I’ve done this. I have two Ink Cash, hoping it’ll work for my second Ink Unlimited.
@Spencerwalker212 жыл бұрын
Yo rj it's your favorite flex simp lol anyway my first year of 5x groceries is ending in late September. So I've been researching what's the best ur earning card for groceries the unlimited isn't bad at 1.5x the preferred 3x online is great I usually do online anyway but im waiting till I have enough actual spend for the bonus. Besides these are there any other ur cards for groceries I should check out 100$ annual fee or lower is about the max I would want to pay
@RJFinancial2 жыл бұрын
If you want groceries I'd look at the US Bank Altitude Go or using a Citi Custom Cash for groceries. That is one of chase's weak spots (likely due to the category cards). Aside from that it's either online with the CSP or start moving towards a multiple freedom card setup and loading up on grocery GC's during the quarter. This can be done my product changing an existing chase core card to a CFF or OG Freedom.
@Spencerwalker212 жыл бұрын
@@RJFinancial thanks for the ideas. I think I'll get the unlimited that 1.5x on non caterogy is decent especially since I'm saving up for a business class flight in a few years so getting 3-4x points from the unlimited on groceries after I transfer those to a sapphire preferred for that transfer to Singapore airlines isn't bad
@Spencerwalker212 жыл бұрын
@@RJFinancial also im assuming chase co branded cards don't earn ur points or have a good grocery caterogy.
@RJFinancial2 жыл бұрын
@@Spencerwalker21 Cobranded cards earn their own points currency. So United Miles for United cards. They'll end up directly into your milage account with the airline or hotel
@docsays2 жыл бұрын
@@Spencerwalker21 - Marriot Boundless offers 3x on groceries. Chase Disney premier also offers 2x on groceries, which you can redeem towards flights.
@mr.tootsie94092 жыл бұрын
Does anyone know if chase will lower your apr with a request after you have been with them a while.
@RJFinancial2 жыл бұрын
I believe it's possible but it'll never be low enough to make it worth carrying a balance.
@mr.tootsie94092 жыл бұрын
@@RJFinancial Agreed I never carry a balance i have a nfcu visa platinum just in case i need to do a balance transfer. I just like having the lowest apr on all my cards haha
@RJFinancial2 жыл бұрын
@@mr.tootsie9409 Look into the Chase Slate Edge or a similar card. New cards come with 0% APR offers for x amount of months on purchases and balance transfers. It's even possible to find ones that don't charge the 3% fee... not common but possible on occasion.
@docsays2 жыл бұрын
- YES, while i was rebuilding my credit they did that for me. as long as you have good recent payment history, they can reduce it, but only 1 o 2 percentage pts. i think mine went from 18.9% to 16.9% or similar to that.
@lopezzepol12 жыл бұрын
Hey RJ, can you do a strategy guide on how to eliminate the welfare state? It’s worth overdoing! #BillionaireLivesMatter
@RJFinancial2 жыл бұрын
Ya know I half thought this was gonna be a real question when I started reading this... shoulda known better lol
@eugenegrace31302 жыл бұрын
🤣🤣🤣
@djpuplex2 жыл бұрын
Damn didn't know the Ink cards where 5/24.
@RJFinancial2 жыл бұрын
If you get them before 5/24 you can get as many as you want. After you hit 5/24, no core chase cards. Tho we have some cobranded cards that seem to not count any more.
@djpuplex2 жыл бұрын
@@RJFinancial I'm gonna be 6/24 when I'm gonna have the spend, I'm 1/15 with wells. Think I'm stuck with like the PayPal card hopefully they'll up their sub to like $200 at the time that and they give me a decent line of credit.