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22 comments
Didn't know about the credit crunch – I work for the federal government as a mechanical engineer. Got the Sapphire Preferred & the Freedom Unlimited approved minutes apart the week of 5/24, so that's a vote of confidence. I am already late to the points game, so FOMO is the default.
The risk of waiting on the sidelines is that they'll raise the bar higher after the COVID-19 crisis.
WHY NOT?
i just applied for an american express gold card . got approved and it’s coming in the mail in a couple days ! you made very good valid points for people thinking about applying for one , especially since it’s a pandemic & if they don’t have a essential job . great content
so I majorly screwed up my credit (medical bills I couldn't afford and student loans i never paid because I was just dumb) and the only cards I can get are secured credit cards and I am fixing my credit slowly, but what credit score do I need before I should start applying for unsecured credit cards?
I applied for IHG card last week and got approved.
too late – applied for another AMEX and got denied :(((
Applied for the Discovery it cash back card and the chase sapphire reserve. Only got approved to the Discover, I'm pretty sure it was the order of applying. I should have done the Chase first.
Applied for the chase freedom with the $200 bonus and got approved 5 days ago. 1% overall utilization always.🥳
Bank of america cash rewards or chase freedom? Others ?Already got the chase freedom unlimited. I like the BoA rewards with higher limits
I'm waiting until after August to apply for a new credit card since a few hard inquiries will be dropped off of my credit report by then. I've never had issues getting approved for decent to good cards even when my credit score was bad for some reason
Sebby, I'm looking to get the Amex Blue Cash Preferred to my arsenal. My score is in the above 670 and I'm waiting till my score is above 700. This will be my 1st venture into Amex. Do you think waiting till my score is in the 700s is the "right move?" I have a card with my credit union and Cap One now but want to seek better cash back options.
I applied for the chase freedom unlimited and got approved with my credit at 553 now it’s 620 a month later I was hella surprised and honestly I was just applying to see what would happen and I was terrified to address my credit in the black community credit is like a scary thing but it’s really not that bad if you face your bad credit
Hello, I filed for bankruptcy in 2013, should drop off in 2022. Is it true I can remove it earlier?
Applying for chase business as a sole proprietor is really tight right now. I got denied for CIC. I already have 5 chase personal CC including reserve and one business ink with 830 Experian credit score. I usually got instant approval when applying. I'm currently on 3/24.
I recently got the CSR mostly because of the opportunity cost of not earning the points on purchases I’m already going to make and all the points I can rack up ( and won’t be using because of the Rona!) and use at a later time.
Just got denied for Discover student card 😔 maybe wasn’t the best time to apply with no credit history
Applied a few days ago for the AMEX BEC and got approved 15K balance. Good SUB for Amazon
Mr sebby do you have any videos of amex in pay over time is it worth it to use it. ?
Shoutout to the building/rebuilding their credit crew who ain’t got nothin to lose when getting a secured/starter card! 🤣
Great advise.
I just got 18 . I want build my credit, what card should I ply…I’m student. Thank you
I am thinking about getting a new card to cover my taxes this year, are there any really good cashback 0 APR offers out there?