3 Credit Card Hacks That QUICKLY BOOST Your Credit Score
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- čas přidán 21. 08. 2022
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Advertiser Disclosure: This video may contain links through which we are compensated when you click on or are approved for offers.
Petition to make Cal's content a mandatory part in public schools. Very valuable information!
haha, i appreciate that Leeon!
That will never happen they purposely don’t teach you certain stuff in school so that you stay dumb it’s honestly the truth but it’s unfortunate
They don’t want to educate us on what’s important. They want us to comply with what they teach us in schools. We need to educate our youth ourselves through example! Just my opinion
Appreciate this!!!
The only thing with balance transfers is to watch the fee they charge for the transfer. I caught the fine print and calculated the math and the transfer fee was more than the interest I would pay for nine months. I had plans to pay the card off in four months. So, I saved money by not doing the transfer.
First tip I had no idea! I’ve been paying ALL my cards off in full and I’m stuck at the high 700’s! Not bad I guess, but I wish I was in the 800’s 😅
I have been paying down to 99 cents by statement closing date past few months. Maxed out and paid back a few times each billing cycle. Just tried and finally approved from $500 to $2,000.
Congrats!!!
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I have 3 cards, but only use 1. I keep my utilization down to 2% and pay the remainder of my balance before the due date and my score went down 21 points, but when that utilization is 0% it goes up 21% Why is that and it's happened twice.
Now how can you have 5 plus cards without that being 5 or plus hard inquiries? Don't make sense and is not a good thing as far as getting hard inquiries from the extra cards.. Make that part make sense.. ✍
Hard inquires fall off in 2 years. So you will still have the cards, but no longer carry the hard inquires. Also sometimes you can obtain multiple cards from same bank on one inquiry.
What card will accept you for a balance transfer under 3000.
No matter how many CCs u have....ITS NOT YOUR MONEY ! Unexpected things happen in life. It's not a crime against humanity to have a balance. Do not have multiple CCs if you don't have THE 💰 to pay it back.
ive been paying off my credit cards every week for over a year and im stuck at a 699, they refuse to let me go over 700 no matter what i do..i dont understand it..
My due date in on 9/15/2022 but my statement is from July 20th to August 19 what should I do
Same
What would you recommend for someone to do if they filed for bankruptcy a year ago. Before the bankruptcy I had a 803 score and had to file Jan 2021 due to wife losing her job.
Now it is Sept 2022 and my FICO score is 650 and currently using chime credit builder to slowly raise my score.
Any other suggestions? Chase denied me due to the bankruptcy so trying to see what other routes to get back in to the credit card game.
You need a starter card. Capital one Platinum or Discover it. Once you established on time payments for at least 6-12 months then you can apply for a Chase or Citi card. Keep reported utilization below 10%.
Capital one is great for building credit. You can do a secure card where you pay a deposit. Also, open a savings account with your local credit union. After 6 months of making deposits, you can open a credit card. Credit unions tend to give higher credit limits.
So I was approved for the Capital One Savor One with the "excellent" category, don't know how but I will take it!
@Benjamin Wolf I have that card! Got it in May this year. I used it for everything instead of using my debit card. I pay it down every month to under 10%. I just requested and received a credit limit increase and it's now double the original limit.
Hey, I would like to use the balance transfer method. will I automatically be approved for the credit card with 0% Apr for 15months? If so, which cards are they? My credit card history is risky because I opened a card in 2020.
Hey I'd recommend the Discover IT card. Just go to my website calbartoncashback.com/ and click on Cashback cards.
@@calbarton thanks
What about the interest you'll be charged by not paying your statement balance in full before the due date?
Hey there, when i say "pay the statement balance by the due date", i mean before the due date.
You’ll be hit with a high utilization
Who have 803 😅
Funny
1:50 is poor advice. The ‘benefit’ of leaving a utilization rate between 0% to 7% is meaningless. It would require a lifetime commitment from you to keep a perfect utilization rate of 1% consistently. And this has to be done in an industry that yearns and salivates at the idea of you slipping from this behavior and getting to carry a balance.
We are humans, not machines, and as humans, we need to be simple in our habits. It is way better to pay off your balance compulsively as soon as any charge is made, keeping these companies hungry at bay. The mental health benefit of seeing a zero balance week after week is priceless by itself. Your credit score will be extremely high even with a zero balance reported.
You have absolutely no clue what you are talking about 😂
Your hacks don’t work
All boof advice
Hi there first off you arr awesome! Thank you sharing your knowledge! I got an email this morning saying: This is yours for the taking, Maria: a special 0% promo APR on balance transfers. Respond by 11/22/22. Details inside.
Promo APR 0%
Duration 12 mo.
Transfer Fee 5% then says : Your standard variable purchase APR, currently 25.24%, applies to remaining balances after the promo ends.*
This is with discover it and i owe a lot on my capitol one but im having hard time paying it since the intrest is $44 a month! Payments of 75$ is not helping me at all. What can i do?
I have great Credit score and i am just needing to pay off that capitol one CC as soon as possible