4 Credit Cards That GUARANTEE Your Starting Limit BEFORE You Apply
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- čas přidán 25. 07. 2024
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With the X1 card do you have to provide proof of income
No, they ask you to link your bank account using PLAID so they can see your monthly income.
@@calbarton Fnbo is trash, check out the wallet hub reviews. They are bad and the only good ones are from new account holders. They gave me a high limit and then 2 months later dropped it to almost nothing, horrible bank. They constantly monitor your credit and look for reasons to screw people over with excellent credit.
The X1 card. I’m telling all my friend. Gonna get you a couple more subscribers my friend! Thanks again
Hey. Forgot to mention. No hard inquiry. 29.5k approval. Got my card in the mail yesterday. Thanks again!!
Great information! Thank you!
great vid Cal for those needing cards with great limits & easy approval.
Your videos are very informative and helpful for someone like me that is building my credit
This is great information! I will tell people about this channel. Many people are trying to start a business.
Awesome video!! Lot's of great information
Awesome video, Cal, thank you so much!
You're welcome. If you like this one then check out the updated version also. czcams.com/video/fzlyXAyhwsA/video.html
Great work
I got the X1 card, no complaints so far. I’m going to try the Apple Card.
I was initially approved for $6.5k (Apple) then waited 6 months and asked for a credit limit increase and got $10.5k then after a year of good solid spending and payment history they automatically increased my limit to $15.5k current 💪🏾
Should you wait 3 months or 6 months
@@brentlee6616 I ask for CLI every 6 months until they tell me no 3 months is way too quick UNLESS you make and spend it like that then yes every 3 months if that’s what you can realistically do.
I just don’t want to over do it I have several cards that do CLI with no hard pulls so I only request those every 6
Damn
Awesome congratulations. I had a similar situation but with much smaller limit.
@@nicholasbrown982 they put me at 250 and after months i am still at 250
Hello there, I applied for the apple credit card on my IPhone and got instantly approved for a good credit limit
Great info and got X1 approval for 25k Thx!
You have amazing knowledge. A fast speaking ability without a single flaw. Full of good advice. Excellent advice.
Thank you so much.
For the Dover federal, did you have to establish a saving/checking first to sign up or did you just pre apply for approval?
Great video. I'm a new Apple Card holder, 3 months. Have been using my account for shopping often, paying balance to zero multiple times a month. My current balalnce is $0 (credit line is $2500). Can I apply for a credit line increase (it's been 92 days since I received my card)? I've heard some say you have to wait 120, 180 days or more. All three credit bureau scores are 700+. Is there any downside to apply for a CLI now? Thank you for your advice.
A little weary about the X1. What about their customer service with no contact #? How do you make a payment?
Thanks 👊🏾
Do you have to be from Nebraska for the Evergreen card?
Just got off the phone with Dover and I wasn't giving a high starting limit with the soft pull it was in a range of 500-20k. ??. My score is near 800. So idk. Told I'd think about it bf hard pulling.
J.P. Morgan reserve has the highest limit 200k usd lines are available
Gr8 vid, Cal. 2 out of the 4 cards I have =) U should definitely take the offer with X1. Keep shrinking ur utilization =) And oh, I finally got approved for the Amex Business Prime card =) Ya boy is extra happy today =)
Hey Dannee congrats 🎉 on getting the Amex business card.
@@calbarton - Thanks, Cal. Finally got that card, but they gave me $175 giftcard :) LOVE IT!!!
Big problem, of the 3 banks I use, none of these "link to your checking account" cards look at either of two credit unions or one bank I deal with, sadly this region has no big banks less than a hours drive away.
New subie, great info
If you have bad credit, like I am talking like a 520-535, Is there any chance of getting any of the CC you spoke of?
What about in the uk
Where are the links for the credit freeze?
FNBO gave me a preapproval, but I got denied after manual review 😂 I just went to PenFed instead.
FNBO was goofy for my experience I did everything and verified my information only to get the 7-10 day message after the soft pull getting a 13.2K on their evergreen card they wanted me to verify my income wanting tax returns sent them everything in and was good to go eventually it was just crazy all the steps and hoops you had to jump through with them
Hi there, where do I go to apply for the X1 credit card
The X1 card gave the run around and I know my credit is good enough because I have several other cards with ZERO problems, said they couldn’t verify my income because I have my paycheck is split between 3 banks, they really SUCK!!!!!
I just got a $5G M1 card & a $2G savior card this morning 🤷🏼♂️
My first limit was $3000 now after a year i have 15,500 and thats enough for me. I never ask for credit limit increase. Overall, with my nine cc (all in good standing 😎) I have 48,500 limit.
Which was 3000?
What's the easy way to join Dover credit union
wow, you are the most professional CZcamsr on bad credit I’ve seen in a very long time next one gentleman
I’m going to subscribe to you
I also like the visuals and how you explain step-by-step how to do things excellent !!
I like the breakdown of each card
Also, like how you show us each card with benefits not just throwing a car that is with approval
Thank you!
I would have loved to know your annual income & score when you applied for these so that I may gage if I should apply based on what I may get without going through multiple pre approvals.
How did you get approved for Dover Credit Union?
X1 not available if you live in Puerto Rico. Disappointed.
That’s how it used to be!
I didn’t have this with Apple
Thanks for the video. I was denied the apple card with a 620 score, and they used transunion. I have 0 debt but a thin file.
Add trade line to your ssn
@@williamboyle5809 Hey what are good trade lines you recommend
The X1 card won't accept me as have a old late payment
I want this card, but i don't own a apple product. My husband does have a iPhone and gas the apple card. I am not able to be an authorized user. How did you get a apple id?
I was pre-approved for $37,200 with Dover. The process was a whole headache and stretched over the course of a month. After submitting all documents I was approved for $29,000 @ 6.99% interest for life. Love the terms but the process was grueling
Wow that's huge. Congrats 👏🏾 and Thank you for sharing your experience with them.
Wow! Wonder what ur score has to be for that interest rate
@@apriljones6230 it was pretty high at the time like 770.
Cool if I want another cc I might give this one a try
@@apriljones6230 if your score is in the right place I definitely recommend! They had 0% balance transfer at the time.. I’m not sure of they’re still doing that
Dover federal is not for self employed, they will only count your profits and if your a smart business owner you will have “no profit” if you get me. It’s not tax evasion - it’s a write off. If your tax returns show no income due to write offs or reinvesting they will deny you. Can’t put employed - occupation: CEO either😂 they want paystubs then and will deny you if you have none.
Try mission lane pre approval instead. Shows your credit limit up front as well.
Mission Lane is a subprime lender... Get out of here 🤣🤣🤣
I already had the Apple Card. Just applied for the X1 on 10-14-22 and got approved for 13,500. Credit score is around 730-750.
Hey that's a nice limit, congrats 🎉👏🏾
I love my X1 card. It has some really generous limits.
I have a 700 and got denied 🤷♂️ idk
I got 9k with x1 card. Love them
Awesome. By chance, Did you try to freeze your reports before you processed the acceptance? Just like Apple Card trick basically…. I’m wondering if there are others out there like the Apple card. I heard truist works exactly like Apple Card for many….
I got approved for $40K with the Apple Card when I applied for it. Goldman sacks is extremely generous 😁🙌🏾
U wanna clear your Apple Card?
Max it 😎
...to you they're generous. I just applied and was awarded...."$1500". 🥹
Just know that if your credit score ever dips for reasons completely unrelated to your Apple Card, they will randomly cut your credit limit down. Even if you’ve been with them for years and always make your payments on time.
with the X1 YOU MUST HAVE CERTAIN AMOUNT MONEY IN ACCOUNT TO GET HIGH LIMIT
Won't this lower your score with a new accout...hurting your accounts age?
How do you freeze your credit report? What are the steps? Please help.. Ty
Hey I have a link to each credit bureau at the bottom of my website calbartoncashback.com/
Apple made me do the program even tho I had okay credit. I had almost a year of no negative impacts to my credit. After doing the program they started me at 1500$, then after 45 days about they up me up to 3,500$
that's great news Joe. I like hearing about those wins. congrats
Thank you my dude. Just got approved for 30k
Wow really! Congrats 🎉👏🏾. Which card did you get?
Apple Card is way harder to get than most cards right now
I wouldn’t recommend FNBO. Although it seems easy to get their card. What they do is after they give you a card with a high limit. 6 to 8 months down the line they come back and decrease the limit significantly. This happened to me with a $10,000 limit. I had a small balance on it. And I was making my payments on time every single month. They came back and decreased my limit almost $9450. Which left me with a credit limit of $550. Because my credit score to go down due to the decrease. When I called for an explanation. No one can give me that sufficient one. If you look up their actual reviews many customers have had this issue with them. Sometimes decreasing their limit extremely low while they had a balance higher than the limit after the decrease. Which causes their credit to be completely affected. So I definitely would never recommend FNBO credit card to anyone. Being that this seems like a consecutive practice with them. Just an FYI.
Hey thanks for informing me
@@calbarton No problem. This is my first time visiting your channel. Great job. Just wanted to let you know the scam that FNBO does to their customers. It’s really almost a normal practice.
Wow that’s crazy!! Thanks for that great information.
Just happened to me today. Had $7500 opened for 8 months and paid on time. Today my balance went down to $550. 😢
@@JimLinger really. I think it’s really a practice of theirs. It sucks because I can hurt your credit score all round the board.
I had a 688 score nd still 😮got denied for the Apple Card it’s not that been easy 😫
Lol you know that Will Slapping Chris was just wrong in the video clips lol
Links?
Hi, X1 user. So the experience is as follows. They heavily restrict what you can buy. PayPal purchase may not go through, certain merchants will automatically get declined with no reconsideration. Customer service is all digital there is not a phone number to call. Be careful.
Thanks for the warning Adam. I'll make note of that when I discuss the X1 card again. You're not the first person who's mentioned that.
I agree with Adam. Check on Reddit about the X1 card. There’s stories about X1 reducing peoples limits by thousands just months after getting the card. Or not allowing large purchases on the card when it’s still well below the credit limit issued.
For the people that want another card other than the Apple card Goldman also issues the newer GM MasterCard that Capital One use to have for years and it does the same way with showing you what you're gonna get before pulling the trigger if someone has a GM vehicle or wants to buy a GM vehicle it has some pretty good rewards and a gas rebate of a $100 statement credit after you spend $1,500 in yearly gas spend as well as earning 4% on every purchase towards buying, leasing, servicing, and paying for OnStar on your GM vehicle as well as earning 7% back on GM dealership and OnStar spend
Thank you Larry you're absolutely right. I just checked for myself.
Sigh… but can you do the “freeze hack” like the Apple Card? Freeze ur reports before processing the acceptance , thus avoiding a HARD pull, but able to accept anyway. THANK U FOR INFO!
Got pre approved for 10k for all 3 cards. Which out of the 3 is best to have?
I prefer the Apple Card
For the X1 what credit score is safe?
I was wondering if you have a video on how to lower your apr on credit cards youve already opened, my current score is around 720 but most of my cards are 20% and above
Not yet, I'll have to do some research on that topic
I applied for Apple and FNBO and neither showed me an offer prior to hitting apply.
You mean accept or apply?
Apple states on their website that you have to wait 4 months after opening the account before requesting a credit limit increase. Did anyone have luck requesting before then?
I was able to get a credit limit increase I believe 3 months after I opened it, it was originally 1,500 when I got approved and then I asked for a credit limit increase and got 3,250
No, and now they just raise it to six months. My limit is on that one is the lowest out of all of my cards.
Hi, thank you for creating this presentation - very informative. Q to you: Dover FCU sounds impressive. I'm currently with Navy Federal CU; how would you compare the two credit unions, in terms of credit-limits and products?
So x1 and apple card it is 😁
Got pre approved for 32K limit on X1 card after watching this video
That's awesome 👍🏾 congrats
Hi doe they use trans experian or equifax what minimum score needed thx
Where’s the credit-freeze hack video??
I couldn’t see it in your million links. 😀
I have a savings account with Goldman, do you think that will help get an Apple Card?
No I don't think so.
@@calbarton just to circle back, I did a pre-approval for the Apple Card and got a high starting limit. I know that Apple Card users are going to be able to start high yield savings accounts with Goldman so I think being in that network helped me because I have have a hefty savings account with them. But then again who knows really haha!
I just got approved for an Apple card w/ a $3,500 limit. I declined the offer b/c I didn't want the hard pull on my credit, and because I don't know if I should get another card since I'm looking to try and buy a house in 6 months.
Good call if you buying in 6 months.
Buying a house in 6 months? Definitely want to avoid inquiries now if at all possible, but I personally expect a longer housing market since affordability has been heavily impacted by rising interest rates
why didn't you do the credit freeze hack??
Damn just got denied at a 620 credit score 😔
I was approved with FNBO for 4.5k
Nice! and it's totally your choice to take the offer or not.
Where’s the link to credit freeze ?
calbartoncashback.com/ in the useful links section
Wow just got A Dover credit card for 20K I'm not even in the 700's credit score yet thanks for the info
That's amazing. Congrats 👏🏾 I'm happy for you
@@calbarton you right you better have that paperwork right to get it they not playing lol
I'm very unhappy with fnbo. I had a $14,000 credit limit 0% interest for 12 months. I've had the card for 6 months I'm taking advantage of the 0% had about a $10,300 balance on it. Not a big deal right I still had 6 months to pay it off. I used some some of it to invest in my business. Well last month they lowered my credit limit to $11,000. Always on time payments I paid way more than my minimum. Like I would make $2,000 a month payments. That put my utilization on that card at 95%. It tanked my vantage score 90 points. Drop my FICO score about 20. I'm done with them I'll have it paid off before my 0% is over and the card staying in the sock drawer
Damn son. Well I spent 6,000 out of 32,000 two months ago and that fucked my score down 40 points
@@tayetiwoni exactly it sucks lowering my limit like that out of the blue. I could see if I was late on payments. Just think all that possible interest they could be missing out on. Especially if I don't pay my balance down by the time my 0% ends. Why give me 0% for 12 months and then penalize me for taking advantage of it. It's not like any of my other cards are maxed out or even above 10% My overall utilization is about 13%. 126k total credit limit
@@sinned96 did you call them and ask why?
@@deehart yes they said I would get a letter explaining why and basically what it said they didn't like seeing $10,000 charged on a $14,000 card.
Length of time since account opened
Utilization of existing credit line
Current balance as % of recent balances
@@sinned96 smh that’s messed up! N they just randomly sent a denial letter or did you apply for something?
I love credit cards. I have 8
Apple is stingy. Chase and navy fed have me at at 25k and 30k and apple (Goldman) has me stuck at 11k
Navy federal give out very high limits
You wanna pay off your credit card debt?
I love me some discover. I got nearly $40k from 2 of their cards.
I also like synchrony cards. Between Paypal, Amazon & Lowes i have almost $50k.
I also picked up the FNBO business. I know others have had issues with them, but so far so good 🤞🏻
Synchrony sucks
@@lashoncoleman4924 - ya i've heard some people dont like them. But i've never had any issues with them. I also like that i can check pre-quals before applying & do soft pull CLIs on all of their cards.
I thought Amazon used Chase cards.
@@Lenron-B06, I think the Amazon Visa is Chase and the Amazon retail card is Synchrony.
I once had 25k with Lowes even though I never made a single purchase on it. I forgot about the account and they closed it at some point.
The will smith slap 😂😂
I know this video is a little old, but that suggestion for the Apple Card has been nothing but a joke for me. I have 9 other cards, and I’ve applied twice now for Apple, close to the release of this video, with a score in the upper 600s to lower 700s with zero late payments, and had been rejected both times.
With the second rejection I signed up for their path to Apple program, and at the end of it, they said my credit utilization was to high. The amount that the path to Apple wanted me to be at was either below 12 or 13% utilization. Maintaining a sub 30% utilization was NOT enough.
Accept the offer bruh
Any so called creditor asking you for your social security card is violating you .
SSN doesn't identity anyone .
And honestly noone should be denied extension of their own credit.
Everyone needs an Amex. As long as you pay on time, you can request an increase every 6 months.
You can ask for an Apple credit once a month
What amex card? Should I apply for? Without getting the platinum or the gold charge card?
Did you actually get the cards?
I got the X1 card
Great content. Please look into getting a better barber.
Brother when your credit score is 850++ no bank will deny you a credit card infact, they'll Beg you to accept their credit card..
U mentioned that same comment above. And what’s ur point? If you get off on the 851, then one would think you would really be down with the info in this vid , as even with an 851, if you do a preapproval/accept or application for any credit related card, loan, etc your 851 ain’t gonna be 851 anymore for atleast a month
Atleast.
LOL This isn't necessarily true. You obviously have a poor understanding of how credit and issuers work.
I got denied Apple Card
Same here- they claimed by credit score with trans union is 573. I have daily credit alert and it has been at 650 for over a year- not sure where the inaccuracy came from. At least I did not get a hard pull on my report. Try applying for X1 - I was instantly approved.
Stop recommending Dover Federal Credit Union. There are pending complaints against them at NCUA, the independent federal agency that regulates federal credit unions!
X1 blows me I just get the im sorry message with a 720 credit score and annual salary of 95k😂😂
Wow
Not to say you have any but they have a zero collections / no bankruptcy requirement AFAIK. I had a $210 medical bill that messed me up.
Damn, got a $41k limit after watching this video from X1.
Wow that's amazing. Congrats 👏🏾
@@calbarton Thanks for the informative video. Another 41k I can use to invest and increase my utilization. Also, no hard pull, which was even better lol
@@sjames916 hi, so when you applied for the x1 there was no hard pull
@@diamondprincess8517 nope. I have a credit freeze on my profile and I applied and got approved. Had to link my bank account and that’s what the approval came from.
@@sjames916 AWESOME! that’s what I was wondering if anyone had luck with or tried to freeze or block the hard pull upon acceptance but still was able to accept/get the card? Did you have any freezes on? 🙏 UPDATE: JUST SAW UR REPLY TO ANOTHER’s COMMENT ABOVE. Thank u. One more thing tho..DID U HAVE FREEZE ON WHEN U ran THE PREAPPROVAL ??
Should I believe anything you guys say.? In my opinion GS who issues the Apple Card have always been strict. Even to get employment with them and these are facts. Apple denied me twice, and my score is higher than the # stated.
Mine too but I think they count utilization more
If your credit score is 850++ banks will beg you to accept their credit cards and offer you the World with $50,000 as initial credit
Is that right ?
How can you achieve an 850 score ?
Well its not just the score. You will also need a thick credit profile & high income.
@@docsays and don’t forget a good credit mix and low utilization
@@lebisque9194 - oh most definitely!
I wish i didnt have to own iphone to be able to apply.
Idk why I keep getting denied for the Apple Card 😢 when my Rico score is over 600/ 650 to be exact
they most likely want to see you over the 680 mark
Can I get a Apple card without an iphone?
Yes you can. I'm a Droid user & got approved. U have to have or create an Apple Id because you need that when applying. Do the pre-approval then freeze yur Transunion then accept. No hard pull. The only drawback is that you're going to need to know someone that has an iPhone so that you can use your Apple ID to sign in to request the physical card. Then add it to yur Samsung Pay & get the same benefits (3%) as an Apple user..
@@kristophe1667 Thanks for the info. How do I create an Apple I'd?. My wife has an Iphone that I got access to.
@@kristophe1667 how do you freeze your Transunion
@@kristophe1667 thanks a bunch... how long do you leave it freeze for before you unfreeze it.
@@diamondprincess8517 GOOGLE OR CZcams IT
Just did it got denied
I’m so tired of these videos saying you will get approved it never happens I have a 657 score been on my job 16 years can’t get nothing
Don't be mad at him because your credit sucks lol
it’s okay man. just a bit more time on that credit and you’ll be golden
Sure
@@retiredtidepodeater3339 nah, that’s not why they are getting denied if they truly are. That’s high enough to get and do some stuff for sure
Credit score doesn’t matter, its more so about your credit profile
I have the GM card, Marcus by Goldman Sachs, and I seen my pre-approval and I accepted the card, so I did apply for the Apple Card, I got $4k, I seen the amount before hand and I accepted it. The Apple card is also managed by Marcus by Goldman Sachs.
I'm so fkd
Like
I wouldn't mess with any of these, 50,000$ credit line means you could possibly be 50,000$ in debt....ill gladly pass on this...
It's so easy to grab the card and use it on things you normally would not buy when you have high limits.
Then move on, and ur comment can go with u