Why I Have 41 CREDIT CARDS and Pay $6,182 in ANNUAL FEES

[@Oli75]

Love this. I find people's credit journeys to be very fascinating. Please make a video with the inactive cards. I find credit cards very interesting and I don't care how long the videos ends up being. I love long credit card videos. Brian Jung had an hour long video and I was riveted. Bring it on. 😆

[@MarkReese]

Haha glad to hear it! 🥇

[@ELPCOTILLION-SD1970]

Debit Cards Are Credit Cards In Reverse...And Are Better...

[@MarkReese]

@@ELPCOTILLION-SD1970 - Debit cards are definitely better for some people 👊

[@ELPCOTILLION-SD1970]

@@MarkReese Indeed...At Least For Me... Nothing Wrong With Credit Cards...I Have 1 Credit Card...But I Got The Debit Cards To Take A Break From Using The Credit Cards From Time To Time...Their Fun To Use...Just Deposit Cash At Ur Favorite Stores The Make Purchases...And Not Have To Worry About The Debt A Bloody Credit Cards Shall Bring...

[@MarkReese]

@@ELPCOTILLION-SD1970 - For sure! 💯

[@Daniel_Braun]

There’s not gonna be enough room on that pool table soon! Amazing stuff Mark!

[@MarkReese]

Gotta upgrade to a snooker table 😂👊

[@thidang9682]

Hey Mark, I wanted to say thank you for putting effort and sharing your credit cards journey video for us. You got all your viewers going wild. You set the bar extremely high, now I'm curious how many credit cards does Ask Sebby or Ben Hedges have since they been in the credit cards game for a long time. This video was absolutely valuable, detail, and informative for credit cards enthusiast. After seeing your 41 credit cards, it felt like you present everyone your Pokemon cards collection or Yugioh deck. I have an idea, if you ever collaborate with Ask Sebby in the future, you guys should have credit cards dual (Yugioh reference). Lastly, I would love to see your inactive/closed cards.

[@MarkReese]

Thanks so much, Thi - really glad to hear you enjoyed the presentation 😃💯 I too hope other credit KZbinrs will do similar videos to show us what they've got!

[@aadeorukhkar]

That’s a lot of efforts pulling together this much data and systematically presenting it! Seriously, hats off 🙏! What I like most is you are so down to earth and open in all your videos, avoiding any misleading (the cautionary words you started the video with are so valuable)! Best!

[@MarkReese]

Thank you so much! 💯

[@dylanlambdin6341]

Wow Mark, you really outdone yourself on this one. Just fantastic work here with the justification of each card and even the limits and dates. I’d also love to see the video on your cancelled cards too. I like the long videos and this one lasted my entire lunch break with just enough time to clock back in, perfect timing. Again, very well done Mark. Keep ‘em coming!

[@MarkReese]

Appreciate it, Dylan! Glad to have filled that lunch break with some quality entertainment 😁🍿

[@LouThaEnergy]

You need to make an updated video of all your cards Mark! It’s going to be epic lol.

[@MarkReese]

Perhaps at some point!

[@mikebell958]

Great Video, Mark. I love how you went over the house rules. Classic! " If I have have a lot of cards, that doesn't mean you should have a lot of cards". :)

[@MarkReese]

Exactly right 😁👊

[@roaddogg800]

Holy guacamole! That's both impressive & mind boggling. I've functioned the past 5 years with a single Wells Fargo rewards Visa. I've literally been on the fence for weeks trying to decide whether to add a single additional card for travel.

[@MarkReese]

Nothing wrong with a single card if it's been serving your needs! 🥇

[@lalalalalaaaa]

Great video!!! My 1st year building credit and was planning for 21+ but now I think 11 cards is my goal, I wouldn't be able to keep up with the reward side

[@MarkReese]

Great! If 11 is your number, make it happen 💯

[@getsugatenshoFTW]

Saw title and thumbnail knowing this is gna be a banger. Smashed like. I am but a simple guy

[@MarkReese]

Thanks for the Like Smash, you rock! 👊

[@Xtremeproducts]

Mark got me counting all my cards now.

[@MarkReese]

Over & over again 😄🔄

[@Xtremeproducts]

@@MarkReese I’m still counting but it’s because I’m counting them over and over again…lol

[@jhonnatanr]

Great video, very informative and value packed!! Definitely think people will be interested in the video you mentioned where you show all your closed accounts as well 💳

[@MarkReese]

Thanks Jhonnatan! I'll definitely consider it 💯

[@SolidLiquidFox]

Videos like these are very personal since you are explaining what got you to this point. Also sharing credit limits, product change paths and your train of thought. We know there is a method to the madness even though the masses may not understand. Thank for sharing Mark!

[@MarkReese]

Yes indeed! 🌟

[@parkour267]

wow rocking the pnc card. wish I could product change mine as that was my first card and could be better with the newer cards.

[@MarkReese]

Did PNC not allow you to product change from an older card?

[@parkour267]

@@MarkReese Nope. PNC doesn't allow product change that way unfortunately. But I have a free card with them so no harm done haha.

[@MarkReese]

@@parkour267 - Bummer, but good that it's got no annual fee 💯

[@jt2428]

Your collection of your credit cards are beautiful! Congratulations on all your success! 🥳🥳🥳🥳🥳

[@MarkReese]

Appreciate it, JT! 🥇

[@PRHBxEaSyKill]

Wow!! Impressive work, thank you so much for sharing with us ☺️ definitely waiting on the full story video with cancelled cards and everything.

[@MarkReese]

Thanks JCee! 💯

[@JakeBroe]

You are making me look like an amateur with only 22 cards... lol

[@MarkReese]

Time to level up brotha! 😁👊 Planning to make it 23 in 2022?

[@tidusfantasy]

gosh i actually watched the whole damn video LOL... Ur welcomed! Haha, but thanks for sharing with us

[@MarkReese]

You rock, thank you! 🥇 Glad ya found it worth watching.

[@Frostyrnb77]

Mark flexing his Yugioh Cards in this video xD. A video on inactive cards would be awesome, since many people always fall into the myth of closing no fee cards is bad. Thats really only true if its either short term early on the journey and/or one of the foundation slots (first 3-5 cards)

[@MarkReese]

Right on! I'll consider that 2nd video at some point 👊

[@johannfevrier8060]

I really enjoyed watching this video. It’s amazing how each card has a story and a purpose. Really impressed how you manage them! I am looking forward to seeing the other video with the 23 canceled cards 😅😅😅

[@MarkReese]

Glad you enjoyed it, Johann! 🎬

[@xYasago]

Just one comment regarding pickup orders on delivery apps (DoorDash, Grubhub, and Uber eats): many restaurants will list menu prices that are higher in those apps than if you were to order pickup directly from them (since these apps can take up to a 30% commission from restaurants, and restaurants will offset them by listing higher prices on those apps). With that in mind, your food credits from those delivery apps can be worth less (even without delivery fees/tips) due to inflated menu prices, depending on where you order from. This whole video is very fascinating though and I find it interesting how you justify such big fees. Thanks for breaking everything down!

[@MarkReese]

Good point 👍 Worth comparing in-app pickup rates vs. direct at restaurant.

[@qn5947]

Mark should be crowned the G.O.A.T of credit cards. I don't think other KZbinrs have as many cc as Mark.

[@MarkReese]

😁👑

[@kylerodgers3608]

Been looking for a vid like this for a while - appreciate all the work put in. Can you do a vid on what card you use for each category: mortgage/ rent, utilities, internet, cellular, groceries, dining, gas, misc? Also what’s your total welcome bonus value of all cards lol

[@MarkReese]

Glad ya liked it, Kyle! I'll definitely consider another video about my actual strategy. Haven't calculated the value of all the welcome bonuses...not doubt it's a big number 😁🏆

[@MarkReese]

Confession: I want more 😬

[@Xtremeproducts]

I want more as well. I’m going to count mine now.

[@leonnalee2675]

I relate

[@wanderingdoc5075]

I'm active military and pay $0 in fees on all credit cards, and I still can't justify having a lot of cards. I can never remember to buy food on the plane and every year I end up with about $0 in airline incidental and food spend. Also I find myself end up eating crappy food and ordering from the food delivery services just because I have credit cards. I also end up forgetting which cards do what. One thing I did was transfer Chase points to United and book two trips to Panama and Mexico this year, so that worked well. I'm sitting here not being able to justify a lot of cards even though I pay no annual fees and this dude is justifying over six grand in annual fees lol

[@Xtremeproducts]

@@wanderingdoc5075 I’m active too. Army. No AF

[@supremeobliterator]

You mad man you!

[@johnchitty2804]

Holy crap Mark! Incredible job on this video! Thank you so much for the work you put into this! I would absolutely love a "Whole credit card story" video. I love nerding out about this stuff!! haha Keep up the awesome content. You're truly gifted and I hope you continue to have success!!

[@MarkReese]

Thanks so much, John! 🏆

[@markplymale]

This is gonna be good!

[@Xtremeproducts]

Mark it’s very good lol

[@MarkReese]

😎🔥

[@CJ-sj8nf]

Great video and I been curious for a long time about how many credits you have. Now I just need all credit card KZbinrs to do the same video. Best credit card video of the year!

[@MarkReese]

Thanks CJ! I hope it inspires other credit KZbinrs to do the same; it'd be cool to see what we're all using 😃🎬

[@Mr.Everything]

I just got approved for my 8th credit card today. It’s always good to know when I’m researching applying for a new card there’s a good chance you’ve already done a video on it. When I grow up I wanna be just like Mark!

[@MarkReese]

Congrats Mr Everything, that's awesome! 🥇💯 Enjoy Card #8!

[@floridajames04]

Don't go online and brag that you have your 8th debt card... it's ridiculous.. what a stupid flex.

[@Mr.Everything]

@@floridajames04 Why did you even click on this video then?

[@floridajames04]

@@Mr.Everything oh I'm so sorry, ill let you get back to thinking living in debt is cool or somehow an intelligent choice... my bad 🤣🤣

[@Mr.Everything]

@@floridajames04 Nice way to avoid the question, troll. I've never been in debt nor payed a cent of interest in my life. Maybe one day you'll get approved for that Credit One card.

[@tiantpassmore937]

This is great that you're sharing the evolution of your credit journey. I love the Max rewards AP. It helps me a lot managing my my little 12 card setup. Preciate the content.

[@P.I.P.E.L.I.N.E_Podcast]

People think I have a lot of cards for my age (I’m 21 years old at the moment) even though I only have 5, and plan on getting more, they’d probably have a heart attack knowing how many mark has😅

[@MarkReese]

Glad you enjoyed the video + the MaxRewards app! 12 cards is legit! 🔥

[@MarkReese]

@@P.I.P.E.L.I.N.E_Podcast - Haha congrats on building up the first 5!

[@P.I.P.E.L.I.N.E_Podcast]

@@MarkReese yeah I only have Visa and MasterCards I need to get the Discover it NHL and Amex everyday are my next up cards making it 7

[@MarkReese]

@@P.I.P.E.L.I.N.E_Podcast - Great choices, go get 'em!

[@latorres75]

This is insane but appreciated. Love your videos since they help with my own credit card journey. Keep it up man!

[@MarkReese]

Happy to hear you're benefiting, Luis! 💯

[@danielmurphy8218]

Wow, epic video, watched it from start to finish. Question, surely you can claim back the fee’s on tax too with the channel can’t you? That would be the best justification IMO 🤣

[@MarkReese]

I'll find out soon enough!

[@jordan23ww]

Thank you so much for making this video! I loved it! It was cool to get to check out your whole collection and see the perks, annual fees, product changes you’ve done and limits. I really got into the credit card game in 2019 and now it’s a big hobby of mine. I currently have 19 cards. Thanks again for sharing and keep up the great work!

[@MarkReese]

Glad you enjoyed it, Jordan! And WELL DONE on those 19 cards since 2019...that's impressive 🏆

[@azan-183]

Great video! My head is basically swimming with so many cards LOL! For me, the United Explorer or Hilton Surpass cards are good next cards! Also, I love the free night hotel cards, including ones by Marriott and Hyatt! Those are next on my list! Also, because I sometimes get stressed by so many cards, I might download Max Rewards!

[@MarkReese]

Great next cards, Azan! Make it happen 🌟

[@kbhoskin]

Love this video, and all your content. It has really made me more interested in maximizing my CC benefits and rewards. How often do you/ how often should one apply for new credit if they have good/excellent credit? Thanks!

[@MarkReese]

There’s no set answer to that. Here’s a link to another video on that topic for a general approach: kzbin.info/www/bejne/aKGalpqmZc6tb68

[@docsays]

just watched the whole video. pure awesomeness. thanks for the super detailed explanation! 👋

[@MarkReese]

Glad ya liked it, and thank you for the viewership support - you rock! 🥇🎬

[@robertbowns9390]

WOW! What a Luxury collection you have! It’s truly amazing!, appreciate you sharing your collection and data points in the process! 💴💳💰

[@MarkReese]

Thanks Robert! 💯

[@lalalalalaaaa]

Wow the title n the length 29 mins, I know this video is gonna be iconic 🔥🔥🔥

[@MarkReese]

You got that right 😁👊

[@MrHooters123]

I love your set up and there's a lot you have that are in my game plan but amex is definitely not my first choice for business besides the blue business preferred. I was considering the bis Plat for when I need computers and to pay a full year's rent once my company needs office space then cancel after the second year unless my growth way over exceeds my projections

[@MarkReese]

Get the cards that fit your needs 😃👊

[@ceciliaruns72]

Facinating! I wondered how you use them each month 🤔 and if you put a small amount of spend each month to keep them all open??

[@MarkReese]

I may do another video on my actual strategy. For activity, each cards gets at least 1 charge every 6 months ✌️

[@LaToya_C.]

Great video. I really appreciated the detail and especially the house rules in the beginning! 💯👍🏽

[@MarkReese]

Thanks LaToya! 🏅

[@adamgarrettJn15]

That's a solid list of cards. Thank you for the video including that initial disclaimer. I think I have 15 of these.

[@MarkReese]

Glad you enjoyed it! Congrats on those 15 approvals, Adam! 🏆

[@adamgarrettJn15]

@@MarkReese thanks! I have a little over 30, but 15 crossovers with yours.

[@MarkReese]

@@adamgarrettJn15 - Wow THAT is impressive! Here's your trophy --> 🏆

[@adamgarrettJn15]

@@MarkReese not as impressive as your 40+!

[@MarkReese]

@@adamgarrettJn15 😁

[@TonyMoze]

I wish you went up close with the cards… With duck tape over the numbers, of course! 😃 Like how Brian Jung did it

[@MarkReese]

Perhaps in a future video 😁

[@TonyMoze]

@@MarkReese cool 👍

[@johndunston2394]

Mark...Wow. All I can saw is Wow 👌 👍. What a video.

[@MarkReese]

Thanks John! 🥇

[@SamSung-jv3jm]

Holy crap that's a lot of cards! Ive got a lot of low limit cards that have annual fees but Im slowly getting better cards to replace them with as time goes on. I currently pay about $800 in annual fees for $23,000 in total available credit which is almost the same percentage as someone who pays $6000 for $300,000 in total available credit. You however, get a lot of rewards for your money where as I only have 5 rewards cards and they arent that great.

[@MarkReese]

Well done, Sam! As you saw in the video, the credit game takes places over years. Keep at it, and congrats on getting those 5 rewards cards! 😃💳

[@SamSung-jv3jm]

Wow...I actually grew my total available credit to $45,650 since my first comment on this video. But still only pay $800 in annual fees. Man Ive come a long way this year!

[@DallinBunnell]

Thanks! This is great! You could product change your venture card to the savor card. Then you can combine your savor cash back eth your venture x points.

[@MarkReese]

Definitely on the consideration list 😁👊

[@AnthonyHernandez-qg5qx]

I'm happy to share that I got accepted for the Fidelity credit card 😁

[@MarkReese]

Heck yeah that's fantastic! 🌟 Congrats, and enjoy the 2% rewards!

[@Yifty08]

great video! just curious, how did you get the CIU while being 8/24? Did you get a black star/green checkmark pre-approved offer in "just for you" section of the chase online banking page?

[@MarkReese]

Yep, it was a Black Star / Selected For You Offer back when those used to bypass the 5/24 rule 👊

[@spencerbishop8724]

This was the best credit card video I've ever seen. I've been waiting for this from you. Thank you Mark!

[@MarkReese]

Thanks so much, Sir! 🏆

[@mitchell.9632]

And that is why you have a decent amount of retention offer videos to off set those annual fees (works on no annual fee cards, depending on the issuer too). Great use of a billiards / pool table, "put money in your pocket.".

[@MarkReese]

Haha pun _intended_ 😁👊🎱

[@fiveiron40]

I would be interested in the full video including cancelled cards. I'm about to enter year 3 of my credit card hobby journey, so I'm beginning to consider which cards to close down permanently. Also, will you do a review of the GM card? Would like to hear your take on this unique and newly revamped card.

[@MarkReese]

I'lll consider both of those videos!

[@officialnataliaroldan]

6K Annual fees Aw man. I wouldn’t pay that much hahaha. But keep up the good work! Don’t run out of $ my dude!

[@MarkReese]

I wouldn't expect others to do so 😂✌️

[@Xtremeproducts]

Let’s play pool, I mean, let’s play cards. Credit Cards that is. LOL

[@MarkReese]

Let's go! 💳💳💳

[@Xtremeproducts]

@@MarkReese lol.

[@Mr.CEO888]

Nice collection be I can’t imagine how you can use all those yourself every year to get the points. 👍🏽

[@MarkReese]

Thanks! 💯

[@docsays]

And here i was thinking i was doing something with 15 cards 🤣

[@MarkReese]

You are! 👊

[@Infinity8-8]

Make a part 2 of this video showing the order you opened them in. And if you can include the SUB you got at the time.

[@MarkReese]

I'll consider it! 😃

[@theeverydailyshow]

You didn't explain how you stay organized and maximize rewards when buying whatever. Upcoming video? Also, you mentioned you may be making some changes. Reason #2 for an update... Right?

[@MarkReese]

That may be another video ✌ I don't plan on doing an update to this video any time soon, though.

[@theeverydailyshow]

@@MarkReese Oh, ok. No worries. Do you have a video on how you stay organized and maximize your cards?

[@MarkReese]

@@theeverydailyshow - I don't yet, but that's a great idea! It's currently a spreadsheet + the MaxRewards app.

[@theeverydailyshow]

@@MarkReese would be awesome to hear how you manage so many cards with so many benefits, etc. Appreciate the replies and being so prompt. Subscribing!

[@abendiaye3330]

Wow, that’s crazy. I have 3 cash back cards. Discover, Chase Freedom Flex, and Sam’s Club. Pretty good trifecta actually.

[@MarkReese]

It sure is! 💯

[@pierce7390]

Mark I see you have the Ritz Carlton card from Chase and the Amex premium Marriott card, what’s the rule on getting the AMEX card when you have the Ritz Carlton card.

[@MarkReese]

If you have the Ritz card, you can still get the Bonvoy Brilliant, but no bonus. If you want a bonus, then you cannot currently have...or have had...the Ritz card in the past 30 days.

[@jeremymoore450]

Mark, This is a awesome video I love this buddy. I want to see a video on what you cancelled lol.. that would be cool. I have about 25 cards ranging from store cards to major cards. No Amex, chase, B of A, pnc. All are from cap one, us bank, Wells Fargo, some are secured cards some earn cashback. I do plan on getting rid of ones that have no rewards. I love cards to be honest. Can't wait to get the better big boy ones.

[@MarkReese]

Right on Jeremy! You're on your way to them big boy cards; keep at it! 👊

[@MasonsTurtle]

Wife: why are you applying for another credit card? You already have 10. Me: Mark has over 40!

[@MarkReese]

😂👊

[@Hail2th3k1n6]

I have the Discover It Miles, Chase Marriott Bonvoy Boundless, and the Amex Delta Gold (Largely for the fat sign up bonus). Hoping to add the Amex Gold to my card family about midway through the year.

[@MarkReese]

Great cards, Mat! Good luck on the Amex Gold Card whenever you decide to pull the trigger 😃👊💳

[@AtomicNexus]

How did you get around inquiry and velocity sensitivity? Especially looking at your Chase Ink Unlimited, if I'm counting correctly, you were at 8/24 when you got approved. I know the Inks themselves don't count toward 5/24, but isn't 5/24 considered when applying? Also surprised about the Citi approvals, as I've heard they're pretty sensitive to inquiries in the last 6 months when applying.

[@MarkReese]

The Chase Ink Business Unlimited was obtained back when the "Black Star Selected For You" offers bypassed the 5/24 rule 👍 Not sure if Citi's inquiry sensitivity is more recent history...I've not had denials due to inquires from them.

[@Mr.Everything]

I was approved for the Custom Cash with 4/5 (depending on exactly where the 6 month cut off is) inquiries on Experian. I’ve read some data points of people with 0 or 1 getting approved and others with more than me getting approved so they’re either looking for something else or just are random with certain applicants.

[@bfan2816]

Wow, watching with popcorn in hand!

[@MarkReese]

Enjoy! 🍿

[@Bat131Man]

Hay mark you don’t like the Amex Delta cards?

[@MarkReese]

They're great cards. However, they have 0 value to me as I don't fly Delta.

[@planetholly8]

Wow Mark…awesome video!! How do you keep track of all of the Uber and airline incidental credits since you have them on multiple cards? Don’t forget about the $50 CSP Hotel credit in their travel portal! I’ve got 2 Amex Biz Golds that will both be on the chopping block. I wish they would revamp that card. And the Biz Green... Awful card!

[@MarkReese]

Thanks Holly! I don't keep track of the Uber credits. Those are simply added as Uber Cash, so I just view the total balance in 1 place in the app. For the Airline Fee Credit, I use a spreadsheet. And I don't use the CSP $50 Hotel Credit...although I may do so solely to make an instructional video 😄

[@planetholly8]

@@MarkReese Oh I didn’t know about Uber cash. That sounds way easier. I don’t have any cards with Uber credits so that’s good to know for the future.

[@jt2428]

Question… Ur cards looks shiny and new…. Do you not put all the cards together what do you do or do u put it in plastic like each one or…? Cause my 11 credit cards are all in cruddy condition scratches and stuff and I don’t like it

[@MarkReese]

I store them all in a binder. I also use mobile wallets quite frequently so many of the physical cards may not get used that often.

[@michaelkrone1744]

Hey Mark, how come you don't use the Chase Sapphire Reserve? I just got it and am a little nervous that a credit card Guru like yourself isn't using it.

[@MarkReese]

I had it for a short while, then got rid of it once I became cash back focused 🤙 Remember: if I don't have a specific card, that has nothing to do with whether you or anybody else should avoid it too. Cards are a tool to help you reach a goal, if our goals are different, that means different cards should be involved.

[@JamesTodd1335]

Awesome video Mark! Appreciate you sitting down and going through each and every one in detail and the story behind them. It was very informative and you've been such a good guidance in my own credit card journey! But one thing I will ask, and it's the reason I don't get annual fee cards is this; if you didn't get the credit cards for the bonus/credits they give you from the annual fee, would you still actually do said activities? For example, if your card gives you $500 back a year in hotel credits, but you didn't have the card, would you still go to the hotel? If not, then aren't you essentially still paying for it? Unless it's for work or something, I don't really understand why people do things like this.

[@MarkReese]

Yep, I'd still take 4-6 trips per year even if I had 0 credit cards ✈️ So paying a $450 annual fee for that Marriott Bonvoy Brilliant card makes sense for me. Since having it, I've gotten around $700+ of value each year even without the first-year welcome bonus. So you can think of annual fee cards like getting a discount on things you'd normally pay for. That's why buying things in bulk at Costco / Sam's Club / BJs can make sense vs. buying things individually or in small quantities.

[@b566t3]

That's alot of passwords Shessh 🤪🤪🤣🤣🤣

[@MarkReese]

😁🔑🔑🔑

[@DL-1]

Have you done a video on strategies and cards to use to get 5% cash back? I spend a lot at Walmart and gas stations.

[@MarkReese]

I did back in 2021, here's the link: kzbin.info/www/bejne/bGSZh3evpKymo68 For Walmart, you'll likely want to look into the Walmart Capital One Credit Card. For gas, you'll likely want to look into the Citi Custom Cash & use it only for gas.

[@masoompatel11]

Amazing video. I love to hear about other people’s credit journeys.

[@MarkReese]

Glad you enjoyed it, Masoom! 💯

[@masoompatel11]

@@MarkReese I’ve see a few of your videos before and now I’m officially subscribed. Can’t wait to see what you come out with next.

[@MarkReese]

@@masoompatel11 - Hugely appreciated! More great videos coming your way 😃🎬

[@adamdiazzz]

I only have 4. Just got Amex gold and I think that’ll do it for me for now 😂

[@MarkReese]

Congrats on that approval for the Amex Gold Card! 🌟

[@Alex-B2357]

Wow you’re a legitimate card enthusiast not a just KZbinr slotting into a lucrative niche

[@MarkReese]

Haha yep. A big reason why I can give in-depth reviews on certain cards is because I have them myself 😃👍

[@christopherjohn5575]

Mark is a true credit card king 👑

[@docsays]

- ya, he is Boss Level

[@P.I.P.E.L.I.N.E_Podcast]

People think I have a lot of cards for my age (I’m 21 years old at the moment) even though I only have 5, and plan on getting more, they’d probably have a heart attack knowing how many mark has😅

[@MarkReese]

😎👑💳

[@trainergar6675]

Awesome video, I’m up to 11 cards. Opened up Amex Cash Magnet in January. A local FCU called me up/emailed me I was pre approved for a rewards Visa. Approved me with high limit and soft pull approval. Off to the garden for me.

[@MarkReese]

Nice work! Gotta love that soft-pull approval 🏆

[@trainergar6675]

@@MarkReese thanks!, I’m going to hold off until the Fall until applying for the Citi Custom Cash when my inquiries fall off

[@MarkReese]

@@trainergar6675 - Smart move! 👊

[@LukesPointsandMiles]

Holy Smokes, Mark!!! Thank you for making me feel “normal”. Haha. Great video, sir!!

[@MarkReese]

Any time! 😂👊

[@sergiozavala4136]

Awesome videos! One of a kind. I find this very fascinating. I hope to be there one day!

[@MarkReese]

Thanks Sergio! Do it properly, and you will 🥇

[@frederickhunter9007]

Interested in seeing how you store you cards. What type of wallet do you use for your everyday and travel cards.

[@MarkReese]

Everyday wallet = Salvatore Ferragamo Mancini wallet

[@ItsReezun]

Instant sub this is the most in depth explanation i have ever seen in an youtube video

[@MarkReese]

Thanks so much, Reezun! 🥇

[@TheTheboss175]

Wow!! I love this information! I finally subscribed to you now!

[@MarkReese]

Thanks so much! 🥇

[@kokilagunasinghe2186]

I would love to see a full timeline! I’m currently just starting my credit card journey with the Discover It, AA Barclays Red, and Amazon Prime Visa Rewards. I’d be interested to see your journey!

[@MarkReese]

Thanks Kokila, I'll consider it! Congrats on starting your journey - and for choosing some great cards, too! Well done 🥇

[@usercreated]

@mark More people need to see your videos !

[@MarkReese]

Yes they do! Doing my best to grow the channel! 😃👊

[@RemGb10]

I bet most everyday expenses are on no annual fee cards except when you are working on intro bonus spending...

[@MarkReese]

Not quite 😁 I may do another video with my actual strategy.

[@davidcohen4796]

Mark how do you justify so many platinum cards? i mean theres only so many times one can order from Uber and use the wireless credit. Did you get a second sign up for each of the 2nd personal and business cards?

[@MarkReese]

All 4 Platinum Cards had bonuses 👍

[@a3sully]

Cool looking pool table. Yes to that video and as usual, enjoyed this video. I'm at 6 cards, started in August 2020, have a bit to go to get to a pool table full of cards. With having 41 cards, have you been flat out rejected for any cards even after trying to get reconsidered? I wonder how many more cards would be on that pool table.

[@MarkReese]

Yeah I've received hard denials over the years; it happens to us all!

[@zacmitchell]

What’s better? The citi or chase trifecta? Thinking about going all in

[@MarkReese]

That will require a separate video 👍 Also, the answer will be different for 1 person to another. For a simple answer, do you want to redeem rewards for cash back, domestic travel, or international travel?

[@ronaldorr9567]

Great video. Having 11 current cards, I tend to only apply if I know I will get a high CL that pads my utilization or is a SP CLI.

[@MarkReese]

Nice strategy! 💯

[@LalitDevraj]

This is gonna be wildddd!!! 😁😁😁😁

[@MarkReese]

You know it!🎢 + 💳

[@ritacristobal1285]

Please make a video including the inactive cards. I enjoy watching it and now that gives me an idea which credit card to get in the future.😁 quick question, can you apply amex gold and pink to get both cards?

[@MarkReese]

I'll consider that follow-up video! Yes, you can apply for more than 1 Gold Card in different colors, but you'll only receive the welcome offer on 1 of them. For that reason, a better approach might be: (a) Get 1 Gold Card and then (b) Get the Green Card or Platinum Card with a bonus...followed by an up/downgrade a year later to the 2nd Gold.

[@ritacristobal1285]

@@MarkReese thank you very much. That is a very good tip. More credit cards to line up for application.😁😁

[@MarkReese]

@@ritacristobal1285 🙌

[@shawndoe6843]

Wow 🤩 I love the looks of the cards 💳 spread across the pool table it’s like an adult candy 🍭 store that’s not enough cards tho there’s way more you need to get 😅 bro where’s BMO Harris cash rewards cards there not inquiry or new account sensitive , No Truist cards , Union Bank cards , Hm Bradley , no credit Union cards Penfed , Navy , SECU , & many more We don’t care how long the videos are Keep the film 🎥 running Buddy we want to see them all

[@MarkReese]

Glad ya enjoyed it, Shawn! Now that I'm below 5/24, my focus is Chase 👊 After that I could go wild with them other banks 😁

[@shawndoe6843]

@@MarkReese 😂 I’m going to hold you to that

[@MrYourecool2]

Mark, Can you really justify all these annual fees every year? Or basically every other month depending on how your yearly rotation is lined up. Another question, what do you do for a living?

[@MarkReese]

Every year...likely not. I typically revise my card lineup only when fees come due. No need to think a year in advance for each card when you can get the fees refunded within 30 days of them posting ✌️ Regarding Question 2, I do KZbin full time.

[@eowendyl]

Well, that was a few more than I was expecting. Good stuff.

[@MarkReese]

Surprise!

[@MrRichstar89]

Hey brotha, loving the content just started following your vids the past couple months. I am starting to rack up many cards as well, unusual question: How do you physically keep or organize that many cards at home? (aside from just stacking them up into a drawer)

[@MarkReese]

Awesome to hear! I simply put them in the Romozi RFID Credit Card Holder - purchased via Amazon.

[@MrRichstar89]

@@MarkReese Perfect! This is what I was thinking of 💯

[@gilbertnicholas1582]

This is nuts You must be all over the place to use all of these cards...I have 8 cards and $1240 in annual fees right now and I'm gonna have to really think about keeping my Plat at the end of the year when my af is gonna go up to $695

[@MarkReese]

Nah...I only use 3-6 on a regular basis...pretty simple 👌

[@crimsionCoder42]

Annual fees are 100% bogus for the consumer. It's just a premium barrier to entry for exclusivity. They say it's to pay for all the benefits but they already charge the merchants you shop at a higher rate for a more premium card 4 to 5% of total sale vs 1.5 to 2% for lower end cards. That's why merchant CC processors need a business processing statements before they give a quote. They need to see at least 3 months worth to average out what kind of cards your customers use so they don't loose money on the average rate.

[@MarkReese]

😁✌️

[@nubianpwr]

Bro - you're either crazy or brilliant... can't figure out which one🤔 but that opening was off the chain😀

[@MarkReese]

Haha thank you! 👊

[@stephenwells2464]

Title of the video “why I have 41 cards” me during the intro *counting the cards

[@MarkReese]

😂👍💳

[@marvinmarshalljr]

Can fit in a wallet but those is dangerous to pull out at once.

[@MarkReese]

Haha indeed 😂

[@drrob001]

I noticed u don’t carry the AMEX Hilton card

[@MarkReese]

Correct 👍

[@rajanchauhan3279]

Hey Mark, I noticed that you have 2 personal Amex Platinum and 2 business Platinum cards. And 2 gold too. My question is did you get bonuses on all of those? My understanding is that you can only get bonus once on personal and one in business card.

[@MarkReese]

Correct, bonuses on all of them. Made sure that the Offer Terms for the duplicates did not have the 'lifetime language' anywhere, which usually says something like "Offer not available if you have or have had this card."

[@rajanchauhan3279]

Thank you! And did you apply on their website or were you targeted by them in mail or on amex portal? I know you were targeted for Gold one but what about platinum?

[@MarkReese]

@@rajanchauhan3279 - The duplicates were all targeted offers. The 'no lifetime language' does not appear on the regular Amex site.