BEST Fair Credit Credit Cards / Average Credit Cards in 2021 - FICO Credit Scores 600 - 650 - 700

  görünümler 107,368

ProudMoney - Credit Cards & Personal Finance

ProudMoney - Credit Cards & Personal Finance

Yıl önce

For the middle scores... (Support our channel? Referral links below - we get compensated if you get approved.):

- Discover: refer.discover.com/s/ADAM328
- Amex EveryDay: refer.amex.us/ADaMJrAM0?xl=cp19
- Blue Cash Preferred: refer.amex.us/JEANIGBFRX?xl=cp19
- Amex Platinum: refer.amex.us/ADaMJA68o?xl=cp19
- Amex Green: refer.amex.us/ADaMJ1fg9?xl=cp19
- Chase Sapphire Preferred: www.referyourchasecard.com/6a...
- Or, use our Amazon.com link: amzn.to/2PpQWoB (As an Amazon Associate, we earn from qualifying purchases.)
- Donate via Ko-fi: ko-fi.com/pmoney​
.
ADVERTISER DISCLOSURE: Unless otherwise noted, this channel receives compensation from our partner sites when you click through and are approved for a credit card through the links you see above. Compensation may impact how and where we place these links. While we try to include information on a wide variety of financial companies and products in our videos, we definitely can't guarantee that we've included every company or every available offer.

NOTE: Credit card information in this video is not guaranteed; we have attempted to confirm all information to the best of our ability but we could simply be wrong or the information could be outdated by the time you watch this video. We are doing our best here, but check our work!

Our site: www.ProudMoney.com
Contact: adam@proudmoney.com

YORUMLAR: 273
ProudMoney - Credit Cards & Personal Finance
ProudMoney - Credit Cards & Personal Finance Yıl önce
(Support our channel? Referral links below - we get compensated if you get approved.): - Discover: refer.discover.com/s/ADAM328 - Amex EveryDay: refer.amex.us/ADaMJrAM0?xl=cp19 - Blue Cash Preferred: refer.amex.us/JEANIGBFRX?xl=cp19 - Amex Platinum: refer.amex.us/ADaMJA68o?xl=cp19 - Amex Green: refer.amex.us/ADaMJ1fg9?xl=cp19 - Chase Sapphire Preferred: www.referyourchasecard.com/6a/K07605FF9K - Or, use our Amazon.com link: amzn.to/2PpQWoB (As an Amazon Associate, we earn from qualifying purchases.) - Donate via Ko-fi: ko-fi.com/pmoney​ . ADVERTISER DISCLOSURE: Unless otherwise noted, this channel receives compensation from our partner sites when you click through and are approved for a credit card through the links you see above. Compensation may impact how and where we place these links. While we try to include information on a wide variety of financial companies and products in our videos, we definitely can't guarantee that we've included every company or every available offer. NOTE: Credit card information in this video is not guaranteed; we have attempted to confirm all information to the best of our ability but we could simply be wrong or the information could be outdated by the time you watch this video. We are doing our best here, but check our work!
gorviv529
gorviv529 Yıl önce
Adam, are you able to do a review of the AAA Member Rewards Visa Signature card? I believe it's offered through Bank of America. Just got an email about it, and it looked interesting. Thx.
John Kim
John Kim Yıl önce
Keep up the good work. Not all of us are in the 800 club. This information will be invaluable to those trying to manage their journey up the ladder. Kudos to your acknowledgment of credit unions which are trying very hard to make a difference.
Robert Jackson
Robert Jackson Yıl önce
This is one of the best videos ever made. Thanks for all the information appreciated.
John Wade
John Wade 19 gün önce
Apple Card gave me my biggest starting credit limit at the time when I got it. Others were giving me like 1-2k starting(Amex, BOA, cap one) 700-740 credit score with exp,eqf, trans. About 70k a year. Apple was $5,500 starting. It’s a useful card though considering I have an iPhone and do use Apple Pay quite a bit. Kind of cool I done a trade in with apple with my xr for the new iPhone 13, they gave me interest free payments each month for the difference until it’s payed off.
Dalton Williams
Dalton Williams 8 aylar önce
I started with Capital One Platinum and a Credit One Platinum. When I hit a 750 credit score I canceled the Credit One card. It was a horrible card, but it played a role in rebuilding my credit. I still have the Capital One card.
ENZ PRINT CO.
ENZ PRINT CO. 7 aylar önce
Credit one is charging me interest every month. Not a lot, usually between 60¢-$1...but I make o time full payments every month, since I opened the acct. When I called to ask, they said “oh that gets reimbursed to you the following month”. She kept deflecting my question and couldn’t give me an answer. The reimbursements are not the same as the interest. It seems like they are trying to literally nickel and dime me. Anyone else? Check your statements. Thanks! :)
Chris Gaddy
Chris Gaddy 7 aylar önce
Absolutely agree with you Credit one bank is one of the worst to get. I'm so glad i closed my acct I like Merrick Bank I have a card with them as well and two with Capital One. All are decent cards to start out with.
Terry Young
Terry Young Aylar önce
After all is said and done, it is completely up to the lender to decide what is poor, fair, very good, or excellent.
Sks 18
Sks 18 Yıl önce
Excellent video as always. , I started with the Journey card after one year of low utilization and paying on time it helped me to get other cards with higher CL. 👍
MemoryOf TheFuture
MemoryOf TheFuture Yıl önce
Can two or more people using the same Prime account each be able to apply for the Signature card? Thanks and great video.
John Williams
John Williams Yıl önce
Whoa right after watching your video and reading the comments I have capital one platinum and I called an upgrade it a product change for the Quiksilver and I just got approved I have a 580 credit score
IAmMichaelLavelle
IAmMichaelLavelle Yıl önce
When you gave the status of credit score (fico) you hit the nail on the HEAD‼️
DivaintheDetails
DivaintheDetails Yıl önce
Another straightforward and informative video. Thanks. Have. Great weekend.
Michael Witt
Michael Witt Yıl önce
Excellent vid cause I fall in a grey area and you helped out alot.
Blake John
Blake John 7 aylar önce
My Fico is 740 transunion 724 Equifax 702 I had a secured discover card. That raised my limit to 1500 and I got my deposit back have had credit for 9 months so my question is what score do I scale to this video?
Travis J
Travis J 7 aylar önce
I'm in the same boat I just applied and was accepted for 2 cards the Capital One QuickSilver and the BOA cash rewards card
I AM Demetrius
I AM Demetrius 7 aylar önce
We appreciate your hard work
King Tyson
King Tyson 10 aylar önce
Can you do another update of this video for 2021 please?
charlin86
charlin86 12 gün önce
Thank you! Just got approved for the Capital One Plat with 615 credit score! On the mission to building my credit.
charlin86
charlin86 8 gün önce
@Makaya Blackman Yes it will arrive in acouple of daya.
Makaya Blackman
Makaya Blackman 8 gün önce
Unsecured?
Phillip WG
Phillip WG Yıl önce
Heya Adam, quick question & anyone else that may know - I really wanted that Walmart Capital One Card for that sweet 5% on Walmart puchases, I have good Fico credit (>700) but they rejected me on the grounds that I had recently been pending / processed for a Capital One card (I did, about a month prior & was accepted for their student card). Do you know if Capital One allows you to hold more than one card from them at a time & if there's a time window to observe between applications? Thanks!
Phillip WG
Phillip WG Yıl önce
Thanks for the replies guys, I’ll ask in a few months or so maybe if I could do a product change. Sucks to hear they relish carrying a balance, but I guess that isn’t too surprising.
Tasha Sparxxx
Tasha Sparxxx Yıl önce
I have 4 capital One cards. I have the Walmart credit card, The Cap One Journey card, The Venture One card and the Quick Silver... which was originally Cap One Platinum. I did a product change. I had this card for 2 years. It was my 1st. I didn’t use it much. I used it for Netflix, I put it on auto-pay. My CL.. is $500. I have asked for SEVERAL CL increases and they deny ME every time. Reason: recent use of this account’s credit line has been too low. I started using the card more ie.. paying cellphone and power bill. (Close to max out) But I pay it off every month. I never have a balance. I think, they want you to carry a balance. I won’t. SO, I guess it will FOREVER be at $500 credit limit. 😩😡
John Kim
John Kim Yıl önce
Capital One is notorious for passing on applicants who pay off their balances religiously. They prefer to make $$ off late fees and interest on people who carry a balance. This was a confession from a former employee who couldn’t wait to leave them for Amex whose philosophy is 180 degrees in the opposite direction. Amex makes $$ off the merchants first and members second.
Jeremy Moore
Jeremy Moore Yıl önce
I had the Cap One platinum card I kept it for 6 months and paid Cap One on time and mostly in full. I called them up and asked if I could product change to the Quicksilver card and they said yes without a credit pull. This card is normally for higher scores but I got it lower showing Cap one I could pay my bills. My wife did the same thing she product changed to the Quicksilver card. After 1 year. We are happy. Granted we don't get the bonus like if we applied for it outright. But hey shows progress. I also have the Quicksilver one card the 39 dollar one I haven't been able to product change that one yet.
Ashley C. Moore
Ashley C. Moore Yıl önce
One of the quickest and safest way is to hire a professional credit score specialist who can lawfully and economically re-establish your credit score and remove negative items. I was able to employ (Jon@creditpatchup.com) who helped me erase all bad items permanently. He was also able to remove damaging items like evictions and foreclosures from my credit file! He can provide ethical, powerful, and affordable credit repair service. Right now I have an excellent score grade and all my credit debts have been wiped off. Get on your way to strong credit again.
James Moore
James Moore 5 aylar önce
I just got the capital one quicksilver card in March and I had a bottle 580 when I got approved for it. Since getting bit my score has jumped 85 points
James Moore
James Moore 3 aylar önce
@Evolution In Disguise when I got the card it was between a 580-595 now it is a 680 across all three boards
Evolution In Disguise
Evolution In Disguise 3 aylar önce
May I ask what your score was
Alli Laschanzky
Alli Laschanzky Yıl önce
When I first got approved for a credit card I got the capital one platinum card. I was at 680 with no credit history, so I was denied a few times before getting approved for that card.
Latachia _2
Latachia _2 5 aylar önce
@Ashley C. Moore That doesn't apply to her, she said she had NO CREDIT History! Now she has one card. She obviously doesn't need any credit repair!!
Ashley C. Moore
Ashley C. Moore Yıl önce
One of the quickest and safest way is to hire a professional credit score specialist who can lawfully and economically re-establish your credit score and remove negative items. I was able to employ (Jon@creditpatchup.com) who helped me erase all bad items permanently. He was also able to remove damaging items like evictions and foreclosures from my credit file! He can provide ethical, powerful, and affordable credit repair service. Right now I have an excellent score grade and all my credit debts have been wiped off. Get on your way to strong credit again. One of the quickest and safest way is to hire a professional credit score specialist who can lawfully and economically re-establish your credit score and remove negative items. I was able to employ (Jon@creditpatchup.com) who helped me erase all bad items permanently. He was also able to remove damaging items like evictions and foreclosures from my credit file! He can provide ethical, powerful, and affordable credit repair service. Right now I have an excellent score grade and all my credit debts have been wiped off. Get on your way to strong credit again.
ENZ PRINT CO.
ENZ PRINT CO. 5 aylar önce
If anyone got approved for the Amazon prime card, under 700, could you please share the score you got approved for? Thanks! :)
devadasey
devadasey 4 aylar önce
I had a credit score of 670 and got approved for 500$
ENZ PRINT CO.
ENZ PRINT CO. 4 aylar önce
And what limit you got too if you don’t mind. :)
Shawn Vire
Shawn Vire Yıl önce
I started out with the capital one platinum .
Brian Haney
Brian Haney 2 gün önce
@Ashlee I just got instant approval for 2000 limit on capital one platinum card. My score was 675 and after that jumped to 700 I didn't have to show ID either.
Renee Simpson
Renee Simpson 2 aylar önce
When that secured card was added to my credit, the score dropped 100 points!!!
Latachia _2
Latachia _2 5 aylar önce
It was my very first major credit card. Now I have several cards.
Hayden Graham
Hayden Graham 7 aylar önce
@DemiGodQ60 around a year
iiNcNation Phone Repair
iiNcNation Phone Repair 9 aylar önce
@The Raging Ray Show that’s because you’re white
Buff Tammy
Buff Tammy Yıl önce
I got the amex everyday (non preferred version) got approved with a 700 (credit karma) and my income was 34,000 at the time and 6 months avg credit age. Initial credit line was $1000 is now $9,0000
Dream_Chaser587
Dream_Chaser587 8 aylar önce
Did they increase your cl automatically or did you have to request it? I’m looking to get mine raised too.
Stevio V
Stevio V 16 gün önce
646 FICO score, got approved for apple’s card 👍
Ragnarok
Ragnarok Yıl önce
700 score is not fair it’s in the “good” range
mnoell35
mnoell35 11 aylar önce
Yeah,but nobody’s gonna take you seriously until you hit 720+
Boss Bogan
Boss Bogan Yıl önce
FICO of 700+ is definitely considered "good" credit, even by Equifax's standards. Typically 580-650 Fair, 651 to 719 Good, 720 to 799 Very good and 800+ excellent. Though I would agree that fair should really start at 620 based on current default modeling. Good should start at 670, very good at 720 and Excellent at 770+
alfred mayes
alfred mayes 9 aylar önce
What if you’re rebuilding your credit and it’s currently in the mid 650 to 660 range and you have old charge off accounts with some of these issuers, and let’s say the charge off happened almost 4yrs ago, would you advise trying to apply for new cards with these issuers. Love to get your thoughts on this subject. Thanks
alfred mayes
alfred mayes 9 aylar önce
@ProudMoney - Credit Cards & Personal Finance that’s what I was thinking too. Last question, since the original debts are with the credit card issuers, can I dispute the collection accounts that are associated with those charge offs? Seems unfair to have two negatives on a single charge off.
ProudMoney - Credit Cards & Personal Finance
ProudMoney - Credit Cards & Personal Finance 9 aylar önce
once it is sold off they would not try to collect but they would still have you in their records and could choose not to lend to you again.
alfred mayes
alfred mayes 9 aylar önce
@ProudMoney - Credit Cards & Personal Finance thanks. would that put me in a position of re-starting the clock on the charge off? Or make them eager to want to collect on the debt, even though it’s been sold to third party?
ProudMoney - Credit Cards & Personal Finance
ProudMoney - Credit Cards & Personal Finance 9 aylar önce
Issuers don't like being burned, so you very well could be rejected. you might want to call to ask snd see if you can get a feel for the likelihood of approval before you actually apply. customer rep might tell you something that helps you decide.
twilliams842
twilliams842 3 aylar önce
Thank you for the info. Apple Card approved me. I didn’t want to go around applying card to card
Ms. Vel_13
Ms. Vel_13 Yıl önce
I got a Discover it with a fico of 579. It’s a secured card but it helps me to rebuild after identity theft. Capital one denied me. Discover has no annual fee and cash back. Thanks for your vids.
Ms. Vel_13
Ms. Vel_13 Yıl önce
GOATRODGERS12 Yes, I qualified for a Discover it card. The plum colored one with a $200 Sec deposit . And it already showed a 34 point increase and a $0 balance (obviously) since I haven’t used it. I normally pay balances in full before due date & statement dates.
Kamil Sultan
Kamil Sultan Yıl önce
Nicole Cuesta are you considering a discover card?
Ms. Vel_13
Ms. Vel_13 Yıl önce
Nicole Cuesta I have the plum color Discover It. Great perks and so far already reporting to bureaus. Got 17 points increased. Good luck to you.
Nicole Cuesta
Nicole Cuesta Yıl önce
Which discover card do u have exactly
Alex G
Alex G Yıl önce
You should do a video for credit cards that woukd do bussiness if u have a bk on file either you burn them or not. Synchrony won't accept me even tho I have a 664 with a credit limit of 15k
exusemeno
exusemeno Aylar önce
i applied for the apple card with a 650 and got denied
TimeRider762
TimeRider762 9 aylar önce
But if you're going to buy a house, FHA defines a 580 score as fair credit too. I guess they agree with Fico.
gary Causer
gary Causer Yıl önce
Remember. If your a fair credit applicant you make these companies more money than bad credit and credit card gurus....
Daisy Shade
Daisy Shade Yıl önce
Thanks to jamesocct on telegram for the fresh cc you are such a great💯 card from him
Jeanethe Tejada Batista
Jeanethe Tejada Batista Yıl önce
Hello! Thank you for sharing how can I get better credit. I'm trying to increase my credit score I get approved from capital one $300 and after that I recieved unlimited by chase $900. When can I apply for another card? My credit said I have 4 application for cards.
taylor taylor
taylor taylor Yıl önce
Just use your card pay off at the due date and keep the utilization under 30%. Also have a good relationship with the banks. They will increase you in about 6 months.. I went from 0 zero credit cards in 2014 to 10 ten in 2020. Around 25k credit limits total
Tina Taylor
Tina Taylor Yıl önce
Jeanethe Tejada Batista I have 7 cards America Express, BOA, Discover ect that how I got to 780 in 6 years keeping utilization under 10%
Tina Taylor
Tina Taylor Yıl önce
Jeanethe Tejada Batista is sit back a year an let those grow along with your credit score.
Paul Garcia
Paul Garcia 5 aylar önce
I wanna be like Nelly one day “ running credit checks with no shame now”
NoFap 2022
NoFap 2022 Aylar önce
🔥🔥🔥🔥🔥🔥🔥🔥🔥🔥🔥🔥🔥
El Indigeno
El Indigeno 8 aylar önce
I'm finally in Capital one.
gary Causer
gary Causer Yıl önce
Really impressed with Navy......
john thompson
john thompson Yıl önce
DTL ratio is also a big factor to consider, a person that makes $100,000 a year with a 775 Fico score with a high DTL ratio will get a lower limit card than a person that makes $50,000 a year with a 695 Fico score but has little DTL ratio, in another words, cant owe everyone & there brother when applying for a card, get your cost of responsibility or accountability down as low as possible,,,, cant owe $3000 a month in bills when you make $4000 a month in income, get your DTL ratio down to below 25% of your monthly income, if you accomplish that task you don't need 775 to get a good card,,, also don't expect to get open arms if you have lost homes or cars or bankruptcies, they take 5-10 years for Fico to turn the other cheek,,,,
ENZ PRINT CO.
ENZ PRINT CO. 7 aylar önce
@KidFlash maybe he meant “Debt To Limit”?
KidFlash
KidFlash Yıl önce
john thompson / To help clarify: : “DTI” = “Debt. To. Income.” Ratio. It is not - “DTL.”
Kendall Brock
Kendall Brock 6 aylar önce
Apple denied me with my 660 credit score. Didn’t get a path offer either
James Moore
James Moore 5 aylar önce
@Latachia _2 Yeah that’s what I’m a new my next card I’m gonna wait for them to be around March of next year when my newest car is at least a year old
Latachia _2
Latachia _2 5 aylar önce
@James Moore I did the prequal a while back & it was a no go. I think I'll just wait until right before I need my next phone & then try it again. By then my credit score should be much better than it is now. I'll make sure to do the prequal again first, so I don't have to take a hit on a hard pull!
James Moore
James Moore 5 aylar önce
I talk when I got recently denied for the Apple credit card And they said there’s no guarantee that you’ll get an offer for the past to Apple it just happens at random
James Moore
James Moore 5 aylar önce
I just got the capital one quicksilver card in March and I had a bottle 580 when I got approved for it
Frog 00
Frog 00 Aylar önce
Capital one always deny me with a almost 700
Shay
Shay Yıl önce
I started my credit journey with the cap one quicksilver card, @Adam what was your first cc card ?
Infamous Infidel
Infamous Infidel 8 aylar önce
Has anyone bought a house recently? What is the range for being approved? I'm rebuilding my credit, I'm around 600 and have the discover it card.
Paul Garcia
Paul Garcia 5 aylar önce
I also used a VA loan. Raised my credit 64 points in about 3 months. ,Paid off a ton of debt. Check with your lender on which things to pay off. Paying some things off wont help you if they’re really old. ,Just pay off newer stuff. Also got my friend to add me to his card as an authorized user which bumped me up 19 points over night. At the time the lender pulled my final score i had 600, 635 and 700 with the 3 companies and so the VA took the middle one and i got a 3.25 interest rate. My house is 405k. One thing that helped me is my salary is 200k.
Abraham Velasco
Abraham Velasco 7 aylar önce
Do you have a VA loan available to you by any chance? Because I had a 580 (yeah, I know) when we purchased our house (now all 3 are in the 720s) and we were approved for a home.
Scorpion Sunday
Scorpion Sunday Yıl önce
I was approved for the Mercury Mastercard with a $1500 limit with a 608 fico and a 665 transunion, I took a small hit when the hard inquire hit, but not bad
Trevor Tendaji
Trevor Tendaji 6 aylar önce
4 points?
James Son of Mary
James Son of Mary Yıl önce
What bureau did they pull?
BetterThanEmril
BetterThanEmril Yıl önce
I hate having fair credit because it’s like your approval odds can go either way where areas with bad and good you kinda have an idea what you’re getting and what not lol
James Moore
James Moore Yıl önce
I applied for the Apple credit card and didn’t get approved with a 618 experian
James Moore
James Moore 5 aylar önce
@Latachia _2 I’m gonna wait till March when my newest car is at least a year old
Latachia _2
Latachia _2 5 aylar önce
@James Moore They sent me a pre-approval in the mail. I think I had a 635 score at the time, & went on line & they did approve me. I don't remember for how much though, it's been several years ago.
Latachia _2
Latachia _2 5 aylar önce
@Daniel !! I've had mine for several years now & it's been a really good card to have.
Daniel !!
Daniel !! 10 aylar önce
@James Moore honestly I wouldn’t know the exact credit score but probably with a 680 to 700 should be fine
James Moore
James Moore 10 aylar önce
@Daniel !! What score do you recommend for the Discover it
Daki
Daki Yıl önce
Think you’ll make a updated secured credit card? Wells Fargo no longer offers the 10k card limit card its replaced by a student secured credit card.
Ru New
Ru New Yıl önce
I'm 720 and I've had bad credit and still do I haven't had a credit card since 2000.
Jon L
Jon L 11 aylar önce
I have a score of around 618, but I have some collections in my file. They are primarily medical bills. I have no late payments and tiny bit of good credit history(7 months of on time payments and low utilization ratio). Card recommendations? I seem to only get pre-approved for cards with stupid high fees or secured cards.
Shay G
Shay G 5 aylar önce
@Chris Gaddy To apply for NFCU you either have to be related, married or affiliated with the military
Chris Gaddy
Chris Gaddy 7 aylar önce
Don't get discouraged I was In the same situation Get a secured card the discover It, If you can do $500.00 deposit. I promise you that will help open doors to better cards and they will return the deposit, turn your card to unsecure and raise your credit limit. Then take that same $500.00 and open A NFCU secured card and do the same thing you did with Discover.... Make your payments on time whether the minimum or the full balance. DON'T MISS A PAYMENT!!!! and you will be getting offers like crazy trust the process.
Jon L
Jon L 11 aylar önce
@R Navarro Ended up applying for the Capital One Platinum unsecured...got approved for a $4000 CL. That was a shocker. Hopefully I can get upgraded to the Quicksilver after 6 months or so in order to start getting a tiny bit of cash back.
mnoell35
mnoell35 11 aylar önce
You have bad credit bud. You just have to take what you can get and build your way up.
James Moore
James Moore 8 aylar önce
What is the easiest card to get if I have a score on all three bureau's around 630 between all of them. With an income of $50,000
James Moore
James Moore 7 aylar önce
@Chris Gaddy I would love to get a city card but I’ve heard they’re really hard to get into just like Chase
Chris Gaddy
Chris Gaddy 7 aylar önce
You should be able to get any of the Capital One Cards, You may even be able to get a discover with a deposit of $200.00 or more. I would definitely tell you to join NFCU they will have some cards for you. I have two cards with them + checking and savings. My Income isn't as high as yours but my score is a little higher and i was approved for a more rewards card for $10k. Give em all a try you never know who may take a chance on you.
Brittany B
Brittany B 3 aylar önce
I don’t understand because when I login on my experian account it says 671 equifax is 620 and transunion is like 640 something. Yet I still get declined for credit cards
Korey Paul
Korey Paul 3 aylar önce
@Brittany B No problem! My scores are around where yours are so I totally get it
Brittany B
Brittany B 3 aylar önce
@Korey Paul I’m not sure which cards exactly but it’s not the really nice ones just the basic ones I’m sure that doesn’t help but my debt to income is 14percent I don’t have any real debt just student loans and I paid off my two items in collections so it’s not there anymore and my credit card utilization is zero. But I really appreciate your feedback
Korey Paul
Korey Paul 3 aylar önce
For one: it's key to know which credit card issuers pull from which credit bureau. Secondly, which cards are you applying for? They might call for a higher score. Also, you may get denied for other reasons. Aside from your score, they look at debt to income ratio (how much you owe), how many recent negative items (collections/unpaid charge offs), and then are you carrying a high balance/utilization on your cards (>30%)....
Ashley Knight
Ashley Knight Yıl önce
I have a 730 credit score with a account with capital one secure card. I really want to apply to another card with a high limit more benefits etc.
Latachia _2
Latachia _2 5 aylar önce
Call them up & ask them to do a product change. You could probably get changed to one of their better cards with your good credit score. If you can get the product change, there probably wouldn't be a hard pull. Even if there was, it would just be a few points . Just tell them what you are interested in getting & I'm sure they'll be able to hook you up with a much better card than the one you have now!
Rob C
Rob C 9 aylar önce
Petal 1 Visa ... it's time for the next step!
Levi Woods
Levi Woods Yıl önce
You cute
Paul Maul
Paul Maul Yıl önce
The last time I checked 680 to 739 is Good Credit and 740 to 800 is Great Credit
Nia Lia
Nia Lia 10 aylar önce
Yep but over 700 is much better odds than upper 600'ss
Lillian S.
Lillian S. Yıl önce
Exactly!!
yallipop
yallipop Yıl önce
I have the Capital One secured card for about 9 months, I am hoping to be graduated. I honestly could’ve applied for the Platinum unsecured card they have.
yallipop
yallipop Yıl önce
blkbeauti05 yep i just found out today after a year...waste of time
blkbeauti05
blkbeauti05 Yıl önce
Cap one does not graduate. Discover certainly does.
HarlemHoney0506
HarlemHoney0506 Yıl önce
Cap one secured does not graduate any more
taron larke
taron larke Yıl önce
I had a 300 credit score when I started building my credit and got the Capital one platinum unsecured car in March 20 20
alex mederos
alex mederos 8 aylar önce
So how come i got approved for the amex green but not the apple card
Azan
Azan 5 aylar önce
Maybe because of the annual fee for the Amex
mostmost1
mostmost1 Yıl önce
I started with a montgomery wards credit card that was bought out by Walmart.
Latachia _2
Latachia _2 5 aylar önce
@Nickcoe Birdsong Me either. Everything at their website still says Montgomery Ward . There is no place that says anything about Cap One buying MW. I was just at the website today, as a matter of fact!
mostmost1
mostmost1 Yıl önce
@Nickcoe Birdsong Their credit division was bought out a long time ago.
Nickcoe Birdsong
Nickcoe Birdsong Yıl önce
I didn’t know that I have both and they haven’t said anything to me about it,Now Capital one is working with Walmart but I never heard of Montgomery wards getting bought out by Walmart
J Blackmore
J Blackmore 26 gün önce
Just got Amex gold and Amex platinum Delta skymiles with 652 FICO
J Blackmore
J Blackmore 8 gün önce
Paying your credit card bills in full before your statement date, revolving credit lines, low utilization, installment loans and keep your hard inquiries to below 4 every 6 months
Makaya Blackman
Makaya Blackman 8 gün önce
How?
Kevin Marquez
Kevin Marquez 17 gün önce
What how ?
royland walker
royland walker 8 aylar önce
👍🏾
javier changking
javier changking 3 aylar önce
Got approved for apple card with 3k cl and petal 2 with a 500 cl but they dont mail it to po boxes so I closed the petal card they dont help much so I have a free hard inquiry
darren perez
darren perez Yıl önce
I need help. .. I can't decide from capital one platinum or secured capital one. I have 590 fico score.
Latachia _2
Latachia _2 5 aylar önce
Why do that when you can do the prequal & find out which one you can qualify for.? That's what I did & I qualified for all 3 of them, so I went with the Platinum card with no annual fee & NO DEPOSIT!
Latachia _2
Latachia _2 5 aylar önce
You can do a product change from the Platinum to the Quicksilver after you have had it for a while. You don't need any money up front with the platinum & with the secured card you would need a deposit. They have a prequal & you can find out which card you can qualify for first, that way you would know which one you could apply for ahead of time without the hard pull. And if you can get pre-qualified for the Platinum or the Quicksilver One, that would be the way to go.
shawn sullivan
shawn sullivan Yıl önce
If I could do it over, would do platinum unsecured. Secured card no longer graduates to unsecured, and cannot be product changed, where platinum can be product changed to a different card if you want. $49 can get you secured, but not best option long term. Only way to get money back is cancel the card and take a hit to your credit score.
darren perez
darren perez Yıl önce
So I ended up with the platinum. With a credit score of 595.
James Son of Mary
James Son of Mary Yıl önce
I would go for the Platinum (unsecures) I got it with multiple derogatories and below 600.
Clipp Diaz
Clipp Diaz Yıl önce
Discover denied 728 FICO Score: too manny inquiries in past two years.
Latachia _2
Latachia _2 5 aylar önce
@Clipp Diaz That's probably why you got approved, because you are already one of their customers.
Clipp Diaz
Clipp Diaz Yıl önce
@John McKinstry I have 10 inquiries on my experian and I still get approved from Discover. Also I have both savings and Checking from Discover.
John McKinstry
John McKinstry Yıl önce
I think Discover is inquiry sensitive when deciding to extend credit. I know someone who applied for the Discover Secured card and had several inquiries in a 6 month period and was denied.
Clipp Diaz
Clipp Diaz Yıl önce
Experian and Trans Union
Clipp Diaz
Clipp Diaz Yıl önce
Actually I just get a new discover card 5k limit......
Jimmy Vila
Jimmy Vila 23 gün önce
Avant gave me 0 annual fee
TheKidRod
TheKidRod Yıl önce
why is my credit wise score and my experian score and my credit karma completely different they all have a different number
baimba conteh
baimba conteh Yıl önce
You have to take into consideration that it depends on which credit scoring model is being used like fico, fico 8, fico 9, vantage etc etc. Scores are retrieved from different credit bureaus so your cc score may vary across all the cc bureaus. Also consider the time your credit report was pulled also plays a factor because it may or not have yet reported the bills you've paid.
MR Make A Deal
MR Make A Deal 10 aylar önce
I didnt know you can take cash off a credit card
MR Make A Deal
MR Make A Deal 7 aylar önce
@Chris Gaddy I see they charge you interest for that, well it's good to know in case of emergency 💯
Chris Gaddy
Chris Gaddy 7 aylar önce
Yes you can but I never borrow against my card for cash.
Mitchell.
Mitchell. Yıl önce
OllO looks like it should be owned by Jeep.
Jacob Arbizu
Jacob Arbizu 4 aylar önce
08/30 Bank of America 6000 line of credit 708 Experian Pull
Asian Sensation
Asian Sensation 9 aylar önce
Can anyone help me out? I have a really good score and have no loans but every time I apply for the Apple Card, they always deny me bc I have too much debt obligations. Anyone know what’s up with that?
Latachia _2
Latachia _2 5 aylar önce
Maybe you just need to pay down some of your cards. They may think that your utilization is too high. Or the other thing it could be is, you have too many credit cards for their liking. I'd go ahead &call them & ask them what it means. That way you will be able to work on what ever you need to do to get the card. & who knows, may when you talk to them, you might be able to get a reconsideration from them. I'd Google the recon line for them, as I hear the recon lines have better success getting recons.
Ziggyraw
Ziggyraw 8 aylar önce
You are my super hero lol
FD C I
FD C I Yıl önce
Mi crédito esta en ( 520 / 550 ) 😞😞😞
Ardent Ram
Ardent Ram 3 aylar önce
I hope the best for you! I was also in the same situation with my credit! Good luck! !buena suerte!
Milly Delgado
Milly Delgado 10 aylar önce
Capital one todavia alluda asi yo empese y con open sky no te daña wl credito empiesas con 200 pero alos 6 meses sube y tu credito tambien.
FD C I
FD C I Yıl önce
O si ok muchas gracias muy amable por la información👍👍👍👍
Harold Johnson
Harold Johnson 5 aylar önce
1.5x speed... you're welcome
Twin-Nick
Twin-Nick 5 aylar önce
Ben Shapiro?
T MG
T MG 5 aylar önce
Amazing! Thanks 😊 lol
KD9JLZ
KD9JLZ Yıl önce
Wal-Mart is now Capitol one
Ct Bt
Ct Bt 7 aylar önce
They need to remove Chase from this list and probably Amex also.
Latachia _2
Latachia _2 5 aylar önce
Yeh, because of the 5/24 rule with Chase!
GodLikeMike
GodLikeMike 5 aylar önce
@ENZ PRINT CO. $3700
GodLikeMike
GodLikeMike 5 aylar önce
@Kevin Beckley my bad, I didn’t see this comment until now. I got $3700 limit. Which was very surprising because I only had secured cards of $500 & $400.
ENZ PRINT CO.
ENZ PRINT CO. 5 aylar önce
@GodLikeMike I’m curious as well :)
Kevin Beckley
Kevin Beckley 6 aylar önce
@GodLikeMike I have the same FICO score, If you dont mind me asking, what type of credit limit did they start at? Im only wanting to apply for cards with 1k -2k limit as i need to get my debt ratio a little higher.
Yung Grampa
Yung Grampa Yıl önce
Can I double like this video. Gosh.
John Doe
John Doe Yıl önce
That a lie I applied for apple card with 690 fico and got denied
Latachia _2
Latachia _2 5 aylar önce
I checked the pre-qual & it was a no go for me! I won't apply for a card that the pre-qual says it's a no go!
James Moore
James Moore Yıl önce
I know I applied for the Apple credit card and I didn’t get it either
Tina Taylor
Tina Taylor Yıl önce
John Doe I have a 780 score an approval odds for this card for me says ok not excellent like the others
Mega Brain
Mega Brain Yıl önce
John Doe LOL I was approved for Apple Card with a 578 ! I have my real time credit rebuilding journey on my channel.
Jose Rodrigues
Jose Rodrigues Yıl önce
Yea I don’t get how some people are saying it’s easy to get approved that people below 700 would get the Apple Card
Jeanethe Tejada Batista
Jeanethe Tejada Batista Yıl önce
Something that have me confuses is my credit score by credit wise capital one is 628 and in Experian I have a credit score 656(wich I paid) to check my credit. So wick credit is the correct?
Paul Garcia
Paul Garcia 5 aylar önce
I have 600, 640 and 700 score with the 3 bureaus so my lender picked the middle one, it depends on who you’re working with and which score they pick
John McKinstry
John McKinstry Yıl önce
Both scores are probably correct, however, the Credit Wise score uses the VantageScore 3.0 scoring model and the Experian credit score is calculated using the FICO scoring model. Most banks check FICO scores when making decisions on extending credit. Fewer banks use the VantageScore model.
blackeye5370
blackeye5370 10 aylar önce
Skip to 4:00 for the list of Cards
blackeye5370
blackeye5370 10 aylar önce
@ProudMoney - Credit Cards & Personal Finance True, but ppl tend to skim through videos so I might as well give them a clue haha
ProudMoney - Credit Cards & Personal Finance
ProudMoney - Credit Cards & Personal Finance 10 aylar önce
Hey, those first 4 minutes are important! 😀
Peter E
Peter E Yıl önce
Surprised you didn't mention any Discover cards. They're target market is average America with fair/average credit scores.
pizzaslice8302
pizzaslice8302 Yıl önce
Blair Group That’s not true. I was approved for Discover with a 580 FICO
Peter E
Peter E Yıl önce
@ProudMoney - Credit Cards & Personal Finance Ah...must have missed it. Thanks!
ProudMoney - Credit Cards & Personal Finance
ProudMoney - Credit Cards & Personal Finance Yıl önce
Discover was mentioned for sure in the sort of big 640-700 score zone.
2021 Increase Your Credit Score FAST! (Boost FICO Score to 800 or even Perfect 850?)
18:18
ProudMoney - Credit Cards & Personal Finance
görünümler 41 B
2022 BEST CREDIT CARDS - Best Cash Back Credit Cards + Best Travel Credit Cards + New To Credit ...
22:17
Durum Çok Acil
3:41
Sinan Akçıl - Topic
görünümler 65 B
İLK DEFA FIRIN TEMİZLEDİM ! Mutfak Temizliği #1
26:01
Allame - Yalan
2:36
Allame Official
görünümler 49 B
2021 Best Unsecured Credit Cards for Bad Credit - How to Rank Poor Credit / Bad Credit Credit Cards
13:18
What credit score do I need to buy a house / mortgage? (FICO Scores for Standard & FHA Home Loans)
13:13
Which credit card companies have highest credit limits in 2021? (Highest starting line + increases)
13:35
Which credit bureau has the highest score? Lowest credit scores? Equifax? TransUnion? Experian?
8:44
Credit Limit Increases - How to Get Highest Credit Card Lines from Amex, Chase, Capital One, Citi...
17:33
How long should you wait to apply for a credit card after being declined?
10:35
ProudMoney - Credit Cards & Personal Finance
görünümler 23 B
Which American Express Credit Card has easiest approval (and hardest)? *Amex cards easy to difficult
10:00
Zımba Makinesinin Bu Özelliğini Biliyor musunuz? #shorts
0:20
Dedex55 Easy Tabii Ki De
görünümler 2,6 Mn
Sai do nosso carro agora
0:21
Spider Slack
görünümler 24 Mn
Üçüz Kardeşler "Meksika Tatilinde" @Reynmen @Modo
17:53
Lifehack #shorts
0:11
Matt The Cat
görünümler 19 Mn
Help😱omg a4#shorts# mitrushina
0:58
JANNA_Sega
görünümler 10 Mn