Sadly, stay away from the list, especially if you fit it via email. What a sham. All links take you to websites that force you to open accounts with apps or bank accounts. Unsubscribed.
I did three of these; Verizon; GM; and Amex Gold. I was approved for all three but only accepted Amex Gold🎉 I’m a part of the American Express family. Thanks for your video.
The Verizon Visa by synchrony bank is a great card to have, if you're a Verizon customer. No annual fee, 4% on gas and groceries and soon to be 4% on dinning. Those are awesome rewards for a no annual fee card.
The Verizon Wireless Visa actually has an update coming. 4% On grocery store and gas purchases 4% On dining purchases, including takeout 4% On Verizon purchases 1%On all other purchases Plus, earn 1% On your monthly Verizon bill. Definitely a must-have.
That's my go-to gas card it also works in my loacl convenience store. Anything I purchased inside the store shows up as gasoline. So if you're at a 7-Eleven and it has gas pumps out front anything you purchase inside the store get you that 4%
Damn that's a pretty good list. And getting 1% back just paying their bill is decent. Don't forget to mention they still give you the Auto-Pay discount. For someone like me with 4 lines, that's $40 a month savings instantly.
i thought it was 2% for your bill currently? (i have it but i just use it for the bonus i got for $100 off over the next 24 months or whatever it was and has at costco occasionally). so will it be 4% on verizon purchases + 1% monthly bill so 5% total?
was unable to obtain a copy of Cal Barton's pre-approval master list. I entered my email per his website's prompt but no luck -haven't received it yet. Anyone have luck obtaining his Pre-approval master list?
Humm , I have a Capital One card card for over 10 years. Denied my credit line increase request due to lack of use, with a just under 800 credit score.😏
Not all Capital One cards are the same. If you had ok to bad credit when you opened that account the card may not be available for increases. If you have a 800 FICO, I would look at their Venture cards.
Capital One is a company that values use. If you have their card and use it, they will always treat you really well. Of course that's assuming you aren't overdrawn or past due or whatever.
So not sure i understand the deal with synchrony.... Are we just talking about their store cards?? Im sure most of us ( guessing) have paypal credit ... either the paypal credit account or the actual card ... Ive had this for years, they've raised my credit limits, customer service isnt the best , but no issues with them lowering or closing accounts...
I got cap one quicksilver pre-qual and discover it pre qual as well. But if they offer off of a pre qual, once you accept the offer then you get the offer plus a hard inquiry
Great stuff do you have a preapproval master list for personal lines of credit? My credit score is 800. I just don’t want it to be affected if I don’t get approved for the personal line of credit that I need. If that makes any sense.
Cal, first time landing on your page. Great information, and thanks for also mentioning the credit bureau that each card pulls from. Also, do you have any info on the US bank Altitude Go Visa signature card.
Ive been watching your channel for some time now. I was approved for a second amex card and they hard pulled me twice eithin two weeks. I spoke to customer service and i felt like i was talking to a robot. She told me every one gets a hard pull everytime they apply! I will try again
Chase is annoying me. I've had their cards for over a year 5000 limit on three cards including a sapphire and I make $70,000 a year. They're all used cards And I still can't even get a limit increase. Even the button to request on the app or website is closed off on me lol And they all my normal spend 😂😂
Do you spend enough to get close to the limit regularly? The generally idea for credit cards, is that if you reach 80-90% close to the limit every month, they will generally see that as you needing a CLI. (regardless if you hold a balance or pay the entire thing every month)
@@soapa4279 no I mean if the limit 's about $4,000 on one of them and I spent $2,000 this month on it it should be enough which is my oldest one but never 80 to 90% though Like this month I had $1,700 spend on the unlimited for example, but has a $4,000 limit. You would think that's more than enough and I use it every single month. It's my most used card like a sapphire, the unlimited and the flex. Usually my utilization is like 8% on those cards before I pay them at the end of the month
How much money do you have in bank? (Also consider debt:income) I make 63k. 2 accounts have a combine total of 62k. My Trifecta: CFU 11,200 CFF 9,200 CSR 18,000 Other: Discover 9,800 Santander UC 4,000
5/24 applies to all cards regardless of issuing bank. Keep in mind that the 5/24 is not an official policy. I am 6/24 and recently was approved for the Hyatt card...so it is possible to be approved even with being over 5/24.
@@robinbaby1 What good is that if you freeze the credit you defeat the process of getting the credit in the first place. If you just trying to see what happens then that's ok. If you need the credit this doesn't help.
Hey Cal , really nice video ! I was wondering if I could help you with more Quality Editing in your videos , make a highly engaging Thumbnail and also help you with the overall youtube strategy and growth to grow your channel ! Pls let me know what do you think ?
Stay away from synchrony, 9-10 times they will open are for you then close it w/o notice. Just beware!
Sadly, stay away from the list, especially if you fit it via email. What a sham. All links take you to websites that force you to open accounts with apps or bank accounts. Unsubscribed.
Yes avoid Synchrony Bank at all costs
@@moniquelewis7520 Yes that is true , I had them and they instantly close my card too.
I did three of these; Verizon; GM; and Amex Gold. I was approved for all three but only accepted Amex Gold🎉 I’m a part of the American Express family. Thanks for your video.
Big congrats! Happy for you.
Do you mind leaving me a testimonial here testimonial.to/cal
@@calbarton Will do
@@calbarton Done!
@@calbarton Thank you!!!!
Love your presentation! Very skilled and knowledgeable!
The Verizon Visa by synchrony bank is a great card to have, if you're a Verizon customer. No annual fee, 4% on gas and groceries and soon to be 4% on dinning. Those are awesome rewards for a no annual fee card.
So true. If someone has a cash back setup and uses Verizon then it’s a no-brainer.
I had that card. I tried to pay balance off. They refused, said I could not pay until after statement period.
@@denisesellers8244 I've never had that issue. I've made multiple payments throughout the month.
I love this card
@@denisesellers8244 Not believing that. I’ve had the card since it first came out and never had a single issue paying the card multiple times a month/
Synchrony dropped all of my credit limits without warning. I will never apply for anything synchrony
The Verizon Wireless Visa actually has an update coming.
4% On grocery store and gas purchases
4% On dining purchases, including takeout
4% On Verizon purchases
1%On all other purchases
Plus, earn
1% On your monthly Verizon bill.
Definitely a must-have.
That's my go-to gas card it also works in my loacl convenience store. Anything I purchased inside the store shows up as gasoline. So if you're at a 7-Eleven and it has gas pumps out front anything you purchase inside the store get you that 4%
Damn that's a pretty good list. And getting 1% back just paying their bill is decent.
Don't forget to mention they still give you the Auto-Pay discount. For someone like me with 4 lines, that's $40 a month savings instantly.
i thought it was 2% for your bill currently? (i have it but i just use it for the bonus i got for $100 off over the next 24 months or whatever it was and has at costco occasionally). so will it be 4% on verizon purchases + 1% monthly bill so 5% total?
@@theeliteyankee7875 The most recent site doesn't seem to mention anything about 2% on your bill. Maybe that's the change
@@MrCaptainPlanet
I don't like like any cards that I can't get 5 to 10k in cash , balance transfer etc
Amazon pre approval always gives me an error and cant pull credit.
This was great content, didn’t know about this bank 🔥🔥🔥 recommending to my whole network
was unable to obtain a copy of Cal Barton's pre-approval master list. I entered my email per his website's prompt but no luck -haven't received it yet. Anyone have luck obtaining his Pre-approval master list?
Humm , I have a Capital One card card for over 10 years. Denied my credit line increase request due to lack of use, with a just under 800 credit score.😏
Not all Capital One cards are the same. If you had ok to bad credit when you opened that account the card may not be available for increases. If you have a 800 FICO, I would look at their Venture cards.
@@rhondacommander5233 they lower my credit limit down to 6500 for 12000 9 months ago for the same reason.
Great info
Wow! 😮
Capital One is a company that values use. If you have their card and use it, they will always treat you really well. Of course that's assuming you aren't overdrawn or past due or whatever.
So not sure i understand the deal with synchrony.... Are we just talking about their store cards?? Im sure most of us ( guessing) have paypal credit ... either the paypal credit account or the actual card ... Ive had this for years, they've raised my credit limits, customer service isnt the best , but no issues with them lowering or closing accounts...
Man.. I miss them zooms. Really enjoyed this Oracle.
Which card would you choose for a higher credit limit. The chase sapphire preferred or the Amex Blue Cash Preferred?
The sapphire preferred for sure it’s a visa signature card.
I got cap one quicksilver pre-qual and discover it pre qual as well. But if they offer off of a pre qual, once you accept the offer then you get the offer plus a hard inquiry
Hi Cal great video, could you post the pre-approval chase webpage?
Great stuff do you have a preapproval master list for personal lines of credit? My credit score is 800. I just don’t want it to be affected if I don’t get approved for the personal line of credit that I need. If that makes any sense.
Cal, first time landing on your page. Great information, and thanks for also mentioning the credit bureau that each card pulls from. Also, do you have any info on the US bank Altitude Go Visa signature card.
Need this list for personal loans
Hey Cal, Qwik question? Should I UNFREEZE All My Information on the Credit Bureaus BEFORE I SEE These Pre-Approvals? Thanks
Chase Freedom Unlimited is my #1 card.
Chase reduced my SW airlines credit limit and Chase Freedom Visa card limit drastically. Ugh 😩
Please tell us:
What is the Capital One SECRET PAGE for product changing of Capital one you already have into a different card?
Why do these companies skip right over Experian?
What site to go to to product change capital one platinum card????
Ive been watching your channel for some time now. I was approved for a second amex card and they hard pulled me twice eithin two weeks.
I spoke to customer service and i felt like i was talking to a robot. She told me every one gets a hard pull everytime they apply! I will try again
Plus the hard pull stays on for 3 years not 2 like every one else
@@annemarie5273 Nope, two years. All fall off in two years.
How do u edit ur videos bro , its so dope
Synchrony is burying people 6 my clients they cut the lines and closed them
Does the freeze work for these or the Fintechs or only gm
Where can I locate this secret page? I want to product change my QS1 to a QS with no annual fee.
We are still waiting on the info of this Capital One Secret Page ...😢
Straight fire 🔥
Chase is annoying me. I've had their cards for over a year 5000 limit on three cards including a sapphire and I make $70,000 a year. They're all used cards And I still can't even get a limit increase. Even the button to request on the app or website is closed off on me lol
And they all my normal spend 😂😂
Do you spend enough to get close to the limit regularly? The generally idea for credit cards, is that if you reach 80-90% close to the limit every month, they will generally see that as you needing a CLI. (regardless if you hold a balance or pay the entire thing every month)
@@soapa4279 no I mean if the limit 's about $4,000 on one of them and I spent $2,000 this month on it it should be enough which is my oldest one but never 80 to 90% though
Like this month I had $1,700 spend on the unlimited for example, but has a $4,000 limit. You would think that's more than enough and I use it every single month. It's my most used card like a sapphire, the unlimited and the flex. Usually my utilization is like 8% on those cards before I pay them at the end of the month
Chase denied my CLI also but I called and spoke to an agent. they doubled one of my cards and gave me a 3k increase on the other.
@@Happyandfree67 I heard that hard pull on phone requests not what are you doing online
How much money do you have in bank? (Also consider debt:income) I make 63k. 2 accounts have a combine total of 62k.
My Trifecta:
CFU 11,200 CFF 9,200 CSR 18,000
Other: Discover 9,800 Santander UC 4,000
What data points do you have for Citi bank cards?
Most people can't afford to use the full limit they receive.
does chase's 5/24 rule apply to the co-branded amazon card?
5/24 applies to all cards regardless of issuing bank. Keep in mind that the 5/24 is not an official policy. I am 6/24 and recently was approved for the Hyatt card...so it is possible to be approved even with being over 5/24.
These are bussines card or personal?
Does Amex only pull Experian?…even for the second card?
Yep
American Express will do a hard pull for the initial card and no pull for additional cards including business cards.
@@randomaccount9212 Thanks!
@@robinbaby1 Thanks!
All 3 I thought
Cap 1 very good bank they never cut my limit unlike wells and Amex
How can i get the list
Do not fall 4 pre approval or pre qualified they will deny you at the last step. 💰💰
Word
After the online pre-approval, freeze your credit before you accept the offer or submit the application 😉
@@robinbaby1
What good is that if you freeze the credit you defeat the process of getting the credit in the first place. If you just trying to see what happens then that's ok. If you need the credit this doesn't help.
Not every pre approval is like that. I just got approved for a pre approval 2 days ago
@@IsoGodZyme too
Synchrony sux......
Synchrony bank sucks just get the chase amazon credit cards or the amex credit card 🧐
Hey Cal , really nice video ! I was wondering if I could help you with more Quality Editing in your videos , make a highly engaging Thumbnail and also help you with the overall youtube strategy and growth to grow your channel ! Pls let me know what do you think ?