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47 comments
1) Emergency Fund. 2) Watch Ask Sebby
Hi Sebby, I'm confused about cancellation waive. We booked a nonrefundable reservations for IHG hotels in the Maldives since beginning of the year because for sure we were going. Does this mean if we cancel, we can get a full refund due to Covid-19? Just wondering if you knew anything about this. Lines are super busy at this time.
I’m a simple man. I see a new Sebby video, I give it a thumbs up. It’s honest work.
Might have to cash out my points if this situation gets worse :/ let’s hope for the best. Stay healthy everyone
hey guys it’s Sebastian from ask SEBI
question. Applied for CSP in the branch but said they missing info which make no sense. Should I wait 30 days to apply again. This was 2 weeks ago. Good thing the removed the hard pull. Plus using your site to apply. If ppl listen and what to get max point on what they can afford you are the man thank you for your advice
I'm new to the channel thank you for the advice my finances are all over the place but with your tips I'm sure I can turn it around be safe everyone and thank you sebby
The outro is back! I feel complete again.
Should it be a good ideal to wait, got a discover card 3 months pay it on time. Was going to get the citi cash card, until all this chaos going on… also, after want to get the wells Fargo card getting into a habit in travel a little bit. My goals in to to earn cash for what I spend and travel a little
I took the time and planning to get a stable ground of no annual fee cards. (Propell, double cash, and BOA rewards)
Thus is business as usual for me.
Hey Sebby, do you know if Chase has any sort of auto deny if you have a Secured card from another company? I remember someone saying that Capital One does that I can't remember. I've had Chase bank for 10 years and never applied they added an offer in the (just for you) credit portion of the app and it shows good approval odds on the Freedom Unlimited. Should I wait till my secured card graduates, or given the current world situation apply now and see what happens? Maybe others might be in a similar situation..
I just got an instant approval for the Barclaycard Aviator Business! This card keeps me under 5/24 and the 75,000 AA miles I'll earn will prepare me for the nice flash deals once all this is settled. I'm an optimist, and confident we WILL get through this. Just stay strong, everyone! It's only a matter of time! 💪💳✈
As per Bloomberg the chances of recession has claimed to 53%. Double punch from Corona virus and Oil war
The chase is offering 70k points instead of 60k this month
Quick question if i do a product change on a card that has annual benefits do the benefits reset??
During this pandemic crises is this the perfect time to apply for credit cards cause I’m thinking about getting AARP chase credit card and the chase sapphire preferred?
VIX still going to 100.
Personally I'm shorting oil via DWT… I think oil could go to $20 (or lower).
Sebby – thank you to you to you and your player 2 to keep on keeping on. Keep on helping out the peeps!
I'm going to use the recession to get onto the property ladder. I've decreased my credit utilisation a lot more, and started to use my debit card and cash more and am saving my credit cards for the essentials. I'm worried about my BA Amex card, I hope BA doesn't go bust like Flybe and Thomas Cook….
What are the chances airlines will cancel mileage programs when they’re facing bankruptcies?
I have the Amex Business Platinum, love it. The problem is, I am earning double the MR points beyond my travel use. I'm considering dropping it before renewal, and picking up the Charles Schwab Platinum for decent cash back from my Gold and BBP cards.
Thank you
I am somewhere between Group 2-3. Also I may not have any new application for the time being for #1 don't want any extra annual fees, #2 maybe buying a house in the next 4-6 months. I will keep an eye out for airline travel deals when this calms down!! Stay safe in the SF Bay area Sebby!
When you say “Chase, American Express & other big issuers” can you elaborate on other business cards that dont report to personal credit?? I have all 3 chase ink cards & American Express Blue Business Plus card.. i need to move a big balance and all those cards are off the table right now.. i have plans for the blue cash everyday business card but not sure about other business cards beyond that. If anyone could help me out it’d be greatly appreciated!! Thanks Sebby!
Off topic but do you have any stocks that you like right now on clearance? Some are just getting destroyed like travel stocks.
So if I have 6 accounts n close 2 n wait 3 to 6 months do you think I could get a chase card
i hope everyone has been taking advantage of the past couple of weeks to drop their cost basis on some great blue chips! I know i have!
awesome video; thanks for sharing all of this credit card information! thumbs up!
Was originally planning on using my Preferred welcome bonus to transfer to Hyatt. But now with travel up in the air in and the market down so much, might get cash back and throw it into some stocks
Sebby, can foreigners open bank account in America? If yes, can you guide me to the best banks and accounts to save in please.
❤💛💚
✌🏾🇹🇹
Thinking about getting the Schwab Platinum to cashout and invest
what do you mean potential recession? We're officially in a recession currently.
I love my Apple Card
I was going to apply for some credit and lines of credit how is this affected new credit
As someone who's been well over the 5/24 Chase limit for some time now and is running out of options, I have dreams of some of these credit card companies lifting their rule restrictions a bit. But I realize that's likely just wishful thinking. (A girl can dream though right? lol)
I'm running the same setup, so I'm good turning my points into cashback. After a year, go back to travel focus.
– Charles Schwab Amex Platinum
– Amex Gold
– Amex Blue Business Plus
– Chase Amazon Prime
Hey sebby do you have or know where the amex green card 50k welcome bonus link is?
I recently applied for a freedom card and a credit increase on my freedom unlimited at the same time I guess trying to play chase hoping for just the one inquiry on Experian . I got approved for the freedom card and when I called up for the increase they said they would send me something in the mail lol I no that’s never good and so the following day I got an email saying it wasn’t approved.. what are your thoughts Sebby? I no it’s always better to open a new account than ask for an increase but i wanted to try my luck
Good tips – thanks! Particularly about the possibility of points specials for airline tickets – I'm going to watch that over the next few months.
Sebby never asks for them, but comments also help his algo score. Leave a comment if you can to help this channel.
My current set up. Chase- CSP and Freedom. Amex gold and Hilton aspire. I have a trip to hilton in orlando in May. lets see if that happens SMH. Question i was thinking of upgrading my gold to the plat amex and downgrading my aspire to the free hilton. Trying to justify holding the apsire right just for the status for my trip in May.
中国大陆如何申请美国信用卡呀？
as a chinese in china,how can we apply for those cards？ tks a lot
Here is my strategy for credit cards:
1. Pay cash for everything
2. Keep all credit card balances at $0
3. Repeat steps 1 & 2
Here is a bonus strategy:
4. No matter what industry you are in, keep minimum 6 – 12 months of expenses (if not more) stashed away just in case of job loss.
Quick question, can your credit score still go up even if you have a collection account on your credit report??
in the last two weeks I have actually paid off all my credit cards and started inventing in stock market and plan on holding my shares for long term
I’ve been seeing some pretty good deals with points. But I think I’m going to wait before I use them
So right now I am at 4/24 I applied for the chase Sapphire and got the 2week notice I want to get the propel should I wait until I am actually approved or can I apply now
Business as usual; the week of 5/24, I was able to get two Chase cards (my first non-cashback cards) at the same time. I might have to adjust for windage for the Ink Cash, since others are reporting that Chase raised the bar for business cards, but aside from that, I'm "gardening" 🌱🌱 anyway until Feb '21 since I'm at 5/24.
Ha, mentioned 5/24 in two different contexts in the same paragraph. 😁