Exposed! Discover is Better Than Capital One
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- čas přidán 7. 04. 2024
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Such good information. Thank you!!!
Love and appreciate your videos brother.
great youtuber. his advice really works!!
Great video! Thanks
I had a 200 dollear secured that they changed to unsecured and upped the limit to 450. Moving right on up the ladder,nothing can hold me back now😂😂😂😂😂😂😂
Good analysis!
How do the other card companies know when you receive a credit limit increase on one? I'm not seeing a bunch of soft inquiries on my reports from any of my card issuers...
So capital one wants to buy discover? Will they behave the same way they so with capital one, of so I'm out !
So after discover it would savor one be a good option or
I love your videos, very informative. I have good, not excellent credit. I do however have the Savor One card and plan on getting the Venture X eventually. In the meantime I'm going to give my hard inquiries time to fall off and increase my credit score.
Valid issues but how many cards are people applying for at a time….i just think you should ask for the increase
My discover it graduated in 6 months, but I don’t get the 5% cash back like the unsecured card. Also I heard with capital one you have to use use over the limit of the card to show you need an increase. Example like if your card have a $200 limit. Spend $400 to $600 or more to show you need a bigger limit. I don’t know how true that is but will try that approach and see
Worked for me! I actually spent over the limit not to much just a few dollars to trigger the massage that I'm over the limit and paid it back it should not be on the statement
@@yossibraver5330I think that is the key to getting a capital one increase. What’s the point of giving someone an increase if they’re not using the small limit they already have.
This worked for me as well. I kept maxing my card and paying it off in full on the statement date to keep my utilization at 0% and I got increased in 5-6 months
It works…
My one Discover card CL is double my 2 capital one cards....
Great video.
Glad you enjoyed it
Got a capital one secured card about 7 yrs ago $300 out of the blue the offered me a venture one card to graduate to and increased to $3300 but my platinum card has been the same $500 8yrs no matter how much I use and Walmart has only increased a few hundred dollars starting at $1500 ! I only use Walmart
so interesting i hear people griping about Capital One but they have been so easy to deal with from the start. Started with a 10k limit, 3 months later asked for 20 and got 15k. I applied at discover and got 3k starting limited, ive asked 4 months in a row and no increases ( paid off balances). just got a second card with capital one and that one had a starting 10k limit as well 🤷♂️. I can't speak to the secured cards situation
My oldest account with capital is still at 750 almost 6 years later pretty pathetic
I've got a capital one from $500 to $3000 within a year after bankruptcy.
Is Affinity Credit Union a good bank to start off with for higher limits? Also why for the CB card only offering a 150 bonus? I could just get $200 back after spending $1,500 vs $150 after spending $3,000 from Citi??? What makes Credit Unions good tho? I’d like to hear back and maybe I’ll make a video on it! Thanks!!
The one about the chickens clucking in the BG just killed me. Whoever that person was talking to with C1 is probably a phone scammer. I dealt with that years ago, the person claimed to be from Publishers Clearing House (PCH) saying that I won some $$ and I asked them why I hear chickens in the BG, then that person hung up.
idk man, i got my first credit card the past 3/2023 with CO was the platinum, with 500CL , right now i hav 7 cards, 36k total CL , and CO gave me 3.5 CLI on december, right now, my lowerst credit card is in chase with 1000CL and i got it at the same time, and i just hav 1 year and some moth of credit history
My Quicksilver secured card graduated in 10 months
Hey, my name is Lee I got capital one credit card from 20 years and my credit limit is $750. What do you think about that?
I got my Cap One Venture card in May 2023, $3k limit, in October 2023(after 2 denied CLI requests) they gave me a 1.5k increase, then in Feb 2024 I applied and received a Savor One card with 3k CL, TODAY I received a $5k CLI on it. Go figure.
Never was a big fan with Capital One. Since they give you a small limit I usually do small purchases anyway.
Discover has given me the largest amount of credit limits. C1 has me on a bucket.
I would argue that so called “soft” credit pulls hurt you too. Although, they supposedly don’t hurt your credit score they still show up as who vote
Sorry dude you're wrong about credit limit increases with capital one. I've gotten increases as early as 6 months after I opened my mastercard. I've asked for increases and I've gotten them. I have several credit cards with capital one, and I've had no problems. I have a William's sonoma visa with a $5000 limit, and a Cabelas mastercard with a $5000 limit.
He's not wrong. Did you pay attention to the video? Capital One deals with the subprime market and a lot of their customers have poor or no credit at all. So when they get approved from Cap1 they get small limits that also get very small increases. And it stays that way for many years because the cards are BUCKETED. I had no credit history almost 7 months ago, got approved for an unsecured Platinum Mastercard and got a $300 CL. After 6 months of heavy use and on-time payments I got a $100 increase.
So pay attention to the video before commenting on how Cal is wrong.
Yep
I've had the capital one quick silver since 2016. They gave me a couple of credit increases in the beginning up to $3,000 but that's it. I've requested more credit and they denied me based off of no activity on the card. They offered me a pre approval for the savor one but I'm not interested lol.
Both trash bin credit cards. Go for amex blue cash everyday I got 3 increases in a year from 3k to 5k to 8k to 10k
I got discover it same week not one increase even when I did use it. Capital one was worse they thought a $100 cli was gonna stop me from canceling. Its a bucket company you will never claw out of it unless you treat it like a dead end job and go elsewhere
I’ve gotten more increases with capital one than discover
Wow you must be the only one 😂 my very first offer from Discover was a $7k limit
Preach 👌👌
Meanwhile my first capital account is still at 750 years later
@@freddyboss7iv einky beenbreoauding my credit for 6 months and discover is my first unsecured credit card and they approved me for $2500. My daughters credit is 810 and capital oneninvites her and she applied and they deny her and have no explanation. My fathers has cards with $20 k and his capital one card been $2k for 6yrrs. No way !
same here I have 2 capital one cards with 2 k each but discover has not given me CLI it 2 yrs and I am still at 500 with them and I got both cards at the same time
Once I let my capital one card do what I want it to do. I'm closing it. I'm not gonna lie it's really helping my credit score.
Don't close it as it will hit your credit hard. Keep it open and just put $10 on it every months then pay it off 2 to 3 days before the due date so it will keep your score raising
Didn’t Cap1 acquire Discover?
Hi have a friend that has a Capital One Quicksilver and he has a $40,000 limit
I just activated a targeted Discover 9-month 0% APR promotion on my Miles 1.5X card.
Very nice!
Oh yeah, and they're the same company now😂😂
Capital One is buying Discover Card. Rather than compete, they'll just eat the company that treats customers better. Once they get regulatory approval, will have same policies by end of 2024 or early 2025. Try protesting merger to your legislator and see how that goes.
I had the discover card and was totally disappointed. Had the capital one card as well and both cards closed my account with on time payments. Now I have the off brand of capital called credit one and love that card, recently received an offer of another card with a low limit but I'm enjoying the card.
Credit One isn’t a Capital One “off brand”. It’s a completely different company. You got scammed by shifty marketing.
Oh wow. This is interesting. I think I will wait before applying for a major well known credit card. Thank you.
Oh yeah baby let’s keep this CrapitalOne hate train going I’m loving it
Capital One will be discover hope not
Any card that I can ONLY use in the USA or has foreign transaction fees is of NO USE or interest to me at all! Doesn't matter what bank it is.
Discover owns the Diner’s Club network, in addition to their own. Discover is accepted in about 25% more countries than Amex and is also accepted at more merchants than American Express.
But aren't they about to become one?
Regulators will never let it happen. Even Discover and CapOne entered into talks knowing that. This is Wall Street’s first acquisition deal in many years without a breakup fee, which is shocking and very telling of how little faith they have it will go through.
BUYER BEWARE: DISCOVER AUTOMATICALLY SIDES WITH THE MERCHANT IN A DISPUTE
How bad is your credit? I just got approved for my Capital One venture X and they immediately gave me a $40,000. Limit it’s not that hard
This is relative, not very helpful, but the video editing is clean!!
the thing is discover denied more than 5 times with a score of 765 no way
Yeah I hate Cap 1…..and I’ll say by far DISCOVER has THE👏🏽BEST👏🏽 customer service…ever! Amex is next best
Discover is no good in Asia
We all know that LOL
🧢
I'll have to disagree with you 💯 percent...Here's why. Discover Credit will be Capital One very soon . Capital One winner 🏆
Regulators will never allow it and both Discover and CapOne expected that. The deal is one of the only merger and acquisitions (M&As) in many years without a breakup fee.
Advice is all heresay
What's your advice?
@@calbartonget into capital one & chase if you are just starting out or post bankruptcy. Discover is great but just as good as any prime lender. Experiences with lenders are relative, and one cannot say discover or capital one is better than the other.
I have discover, chase , capital one, and so many credit union cards I needed a binder like Pokémon cards. They all treat me great, and all have given me limits close to 20K or more.
Depending on your lifestyle you might find that one card is more resourceful than the other
0:31 I’m sorry what, are you serious? $1,500 is unusable? You gotta be a spoiled rich person to think that. $1,500 is a fuck ton of money.
PLOT TWIST CAPITAL ONE BROUGHT DISCOVER
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