These are the new upcoming changes to your credit score and credit cards - and what this means going forward, enjoy! Add me on Instagram: GPStephan - Click show more to view ad disclosure
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My ENTIRE Camera and Recording Equipment:
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Favorite Credit Cards: https://oc.brcclx.com/t/?lid=26662102
FIRST CHANGE: Thanks to ASKSEBBY for covering this earlier!
Credit Card companies are becoming more strict about approvals, and might be verifying your income by requiring a 4506T form which allows them to view your tax return with the IRS.
SECOND CHANGE: Credit Limits are being decreased with no advance notice
Credit limit DECREASES during this time - from a credit card companies perspective - make sense. If someone loses their job, or begins using up their savings - then typically, credit cards are next in line. And, if people don’t soon get jobs to be able to repay those cards - the payments will then go into default, and that hurts the credit card companies bottom line.
HOWEVER…the downside of this, to you as the consumer, is that - if your credit line decreases, so could your credit score. That’s because 30% of your credit score is made up of your “Credit Utilization,” or - in other words - how much credit you have available to you, versus how much you actually use.
THIRD CHANGE:
Credit Cards are offering new different rewards. We’ll start with the American Express Platinum, one of my all time favorite credit cards…and they’re EXTENDING the deadline for the signup bonus by 3 months. In addition to that, the American Express Platinum card is adding a $20 per month streaming credit from May 1st until December 31st when you pay for those services with your credit card. That includes Netflix, Hulu, Spotify, and even YOUTUBE PREMIUM.
https://www.americanexpress.com/us/rewards-info/retail.html
The Platinum BUSINESS card will also include an extra $20 per month SHIPPING credit, as well…which comes in handy if you don’t have amazon prime, which…you probably should have Amazon prime.
ALL BENEFITS:
https://www.reddit.com/r/churning/comments/gbhf6v/updated_american_express_benefits_and_credit/
Another change to a popular card out there is with the Chase Sapphire Reserve which is now offering 5x points on Restaurants until the end of the year.
https://www.doctorofcredit.com/chase-cards-to-earn-3x-5x-points-per-1-spent-at-grocery-stores/
So, all in all…looks like some credit companies are shifting around their resources to make the user experience better…or, make it so that you’re less likely to cancel something with a high annual fee, because you’re stuck at home…so, for people who have these cards already, it’s just a nice little bonus to get while we’re home watching YouTube and smashing the like button.
TOP 3 PICKS:
The Chase Freedom Unlimited - NO ANNUAL FEE! AND, they’ll give you BACK $200 when you spend $500 in the first 3 months. So, for anyone who was planning on spending $500 within 3 months, anyway…this is a no brainer.
The Bank of America cash rewards card - NO ANNUAL FEE! And you get a $200 bonus when you spend $1000 in the first 90 days. Plus you’ll get 3% cash back in the category of your choice, 2% back at grocery stores, and 1% cash back on other purchases.
The Citi Doublecash is also a REALLY great 0% interest card, and even though there’s no bonus…you DO get 2% cash back, unlimited, on all purchases…and 0% interest for 18 months.
For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness @gmail.com
*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.

By Stock Chat

where the coffee is hot and so is the chat

24 thoughts on “New major changes for anyone with a credit card details”
  1. Avataaar/Circle Created with python_avatars Harikrishnan Chandramohan says:

    Are you doing a voice over dude?

  2. Avataaar/Circle Created with python_avatars Donald Steward says:

    Just like y'all recommended, that's how I met em. @Darkphate1 on telegram is doing a good job. Cc, dumps with pin, CashApp flip and PayPal money transfer very legit, his transparency is top notch 💯

  3. Avataaar/Circle Created with python_avatars Donald Steward says:

    Just like y'all recommended, that's how I met em. @Darkphate1 on telegram is doing a good job. Cc, dumps with pin, CashApp flip and PayPal money transfer very legit, his transparency is top notch 💯

  4. Avataaar/Circle Created with python_avatars ProVoidCloak says:

    Aren't all of your "favourite credit cards" in your least favourite banks?

  5. Avataaar/Circle Created with python_avatars First Man says:

    Trading with *alexascard * on telegram is the best thing that has happened to me on dark web.go trade with him man is so fucking real ✊🏼❤️

  6. Avataaar/Circle Created with python_avatars Jones Valentino says:

    I bought my banklog from *Dumpscardingg* on telegram with the easiest cashout method which worked 100% no red flag at all he own me a lot,I also bought some credit card from worth the balance I requested which actually works fine the dude helped me alot with his stuffs work with him guys, I’m earning much already ✅

  7. Avataaar/Circle Created with python_avatars Jones Valentino says:

    I bought my banklog from *Dumpscardingg* on telegram with the easiest cashout method which worked 100% no red flag at all he own me a lot,I also bought some credit card from worth the balance I requested which actually works fine the dude helped me alot with his stuffs work with him guys, I’m earning much already ✅

  8. Avataaar/Circle Created with python_avatars Martsh Larry says:

    All thanks to Starvendor for the valid credit cards I got from him I got a very high balance on it $300 for $3000 was amazing

  9. Avataaar/Circle Created with python_avatars Janelle Hannah says:

    Got real card from @Darkbolt1 on telegram and he helped me load more on it , it still working no security issues so far that guy is good for the card job

  10. Avataaar/Circle Created with python_avatars Janelle Dawakins says:

    Buy your credit card with high balance from @Darkbolt1 on telegram dumps with pin that comes with MSR i got mine from him 💯 he has been the one always been there for me I can only vouch for him here cause they are a lot of scammers here but have found the right vendor here

  11. Avataaar/Circle Created with python_avatars Wyatt Cody says:

    Thanks Dumpscardingg on telegram I got my dumps†pin from him with good balance on it thanks so much bro imma still come back for more business bro

  12. Avataaar/Circle Created with python_avatars Rose Mary says:

    Dealing with *Jackdumps*ontelegram is the best thing that has happened to me I just got a working cc from him at cheaper rate

  13. Avataaar/Circle Created with python_avatars El_Chero says:

    That happens to me. Capital one went from 15k credit limit to 5k “because I don’t use it” wtf so they screw me because I used my credit limit smartly?

  14. Avataaar/Circle Created with python_avatars Dave Willams says:

    Wow!! I just got my bitcoin and working on cc’s from michesliver on telegram, he is honest, reliable, and trustworthy. Thanks man

  15. Avataaar/Circle Created with python_avatars Recruit Sales force says:

    Deeply happy I come across this trustworthy vendor been a second time of getting CC from him michesliver
    On telegram much love I have for you 💯✅

  16. Avataaar/Circle Created with python_avatars Captain Comical says:

    YouTube should just develop a better algorithm – ideally one where Graham’s videos are given so much priority he pops up before advertisements.

  17. Avataaar/Circle Created with python_avatars Sharon paul says:

    I got PayPal transfer from michesliver on telegram he’s reliable and trustworthy

  18. Avataaar/Circle Created with python_avatars awfaf afwaf says:

    I saw several reviews about how people got their credit score boosted but I was deeply touched about how Mr. Sam of Samhackstechnology LLC helped a single mother moved into a nice apartment within short time. And I was desperately in need of improving my credit score back to 800’s after going through so many surgery for years with low disability check and I couldn’t be able to catch up with some of my bills anymore until I got in touch with this great man who really improved my FICO Score back to 842, deleted the eviction and every other negative collection items on my credit report within 24 days. Just get in touch with him through his website I found on Graham Stephan videos….
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  19. Avataaar/Circle Created with python_avatars Carlos Perez says:

    A lot of Americans suffers credit errors because they haven’t met the right one to help them out, so they go ahead falling into the wrong side. I was once a victim of that scandal but after I made the right choice by contacting Sam Hacks Technology LLC to fix my credit which he did exactly what I was expecting he got all the items in collections, hard inquires, loans, medical bills, bank judgment out of my report and boost my score from 510 to 785 plus and everything is now working perfectly on my credit and I got approved for the capital one credit card I applied for. He is also good in fixing of Chex Systems. If you need to reach him out please kindly contact him now with the following details. Samhackstechnology⏹Net

  20. Avataaar/Circle Created with python_avatars Daniel James says:

    My husband and i had state tax liens in New York that were listed as joint Responsibility. We both did a lot of try to get this off out credit but all effort doesn't yield result. so we decide it was best to go online in search of a reliable Credit agency who understand the credit system to come o our rescue and just after a deep search i came across Sam Hacks Technology LLC. I told him about withdrawing our tax liens from my credit report and he explained to me the process to help me solve this. After some days we both got an agreement tax liens were completely gone after running his credit improving processes and my credit score being raised to golden score. He sent me verification of good work he had done on my credit he sent and i found on 3 credit bureaus… I couldn't have imagined my life so good fast , thank you so much Samhackstechnology⏺net

  21. Avataaar/Circle Created with python_avatars Ashleigh says:

    For people who don't have credit and is seriously thinking about getting a credit card to build credit really soon (within a few weeks), would these changes that credit card companies affect these people as well? Disregarding the proof of income bit because well…I'm not entirely an idiot. lol Should I and others like me just fall back your Best credit cards in 2020 video?

  22. Avataaar/Circle Created with python_avatars Higgins Fred says:

    But your creditcard with high balance from Scottdeller on telegram dumps with pin that comes with. MSR I got mine from him💯has been the one always been there for me I can only vouch for him here cause they are a lot of scommees here but have found the right vendor here….he’s the best ✌🏻✌🏻✌🏻

  23. Avataaar/Circle Created with python_avatars Higgins Fred says:

    May you be bless whoever that posted about SCOTTDELLER on telegram on here , I chatted him up and ask for a deal, he actually sent me the digital card that I wanted and it works perfectly thanks to you…. bro you are the best here💯

  24. Avataaar/Circle Created with python_avatars Higgins Fred says:

    I received balance of $1200 CC from scottdeller on telegram thanks to you guys make you deal with him…they are the best vendors guy I trust him here

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