So about a year ago, I did a video on how to get approved for your first credit card. You want to check that video out I'll put that in a description, make sure you check that out, because this goes definitely with this video so check that video out after you see this one. Today's video is going to be for anybody who just really wants to know how to get approved for any credit card. Ok, so let's get right into this video, let's see, if that's even possible, to get proof for any credit card.

Let's get right into this video. Now I'm going to be straight to the point, I'm a very straight to the points of a person. I don't like to waste time. There is not a possibility to be approved for any and every credit card.

I am so close to 800. I can touch it now, I'm not that tall. But if I was tall you know I could touch it actually, I could still touch it and I'm sort. Okay, I'm so close to 800 credit score, that's not to brag at all, because we've augmented a place where we were ghosts, credit, which means you have none and you're trying to establish you've had some hiccups and maybe you're in the four is the fives, the threes.

The low sixes or, if you just want to improve your score, we've all been somewhere and we can always get back to there. So it's not to brag that I'm almost at 800, that's just to say no matter what you have or who you are. It's. Never a 100 % pull through rate.

With these credit card companies. I did a video a couple months ago. I was declined for capital one card because I had too many credit card accounts open within a last, I think 24 months, which was ridiculous, but because all my utilization is crazy, I don't have any delinquencies collections has never been. You know in my history and I'm thankful for that, because you know people have those situations and I haven't had those I've been blessed enough not to have those in my lifetime.

So you know, even if the credit score is not the issue, these banks are getting more risky, more less risky, they're, getting really savvy they're getting really strict, and they really really want to make sure that you have their best interest and a lot of travel hacking Happens things like that so they're really getting smarter and savvy or as time goes on, so it's not always about your credit score. Sometimes it's about. Maybe they just don't like you've had too many credit cards in the last 24 months, or maybe you have too many inquiries in the last X amount of time. It really depends, but again that's just goes to show you that's not possible.

I really don't care what the other youtubers tell you and I love you know my friends, my other fellow youtubers, that you know educate, but there are some out there and I say you can get a proof for any credit card in the world. If you do this right now, if you do this before five minutes, if we do this, that's not possible, it's not and if it is YouTube reason you're watching this video. Let's have a discussion put it down in the comments, so we all can have a discussion about it. Let's do let's see who's right and who's wrong.

You know, I love my viewers. I love my subs and I want to give them accurate information, not possibility to prove for every credit card and unless you are mr. perfect or mrs. perfect and nobody, here's perfect.

Okay. So that's just scratch that out right now, but I will show you in this video a couple of tips on how to make sure your pool to rate is as as high as it can be, or even better, and I'm going to also call it. My fellow youtubers and my fellow credit experts who have talked to when a daily basis, I've had the opportunity to speak to hundreds of hundreds of people to definitely put your opinions. Put your facts.

Put your experiences in the comments below we are a community. We help each other here, alright, so let's get into number one on what I think it's good for you to really make sure you pull through it with the credit card is going to be awesome. Number one is to know your score know. What's on, you know what your credit score is know.

What your report is what's more important than a score, is your report? A lot of people say hey. You know I got a seven hundred credit score, that's awesome, but what does your report look like? Is it flimsy, is it no very short, you can have a seven hundred credit score and be denied for something, because you only have seven eight months of credit history, alright or maybe you were authorized user' and you've never really actually had anything in your name per Se, besides the authorized user account, so no your credit score. No, your credit report. If you know there are a thing again, you can get your free.

You can get your credit report every year for free I'll, give you guys a screenshot of the website right here. You can definitely go ahead and get your credit reddit report. I mean get your credit score from you know some banks, credit Karma's, a good one. Credit Karma doesn't give you your accurate one.

It gives you maybe a good estimate, I would say, maybe take 10 to 20 points off of it, and that may be your score, maybe even closer than that. But I say get 10 20 points to have a score just to get an estimate of where your score is. So you know how to improve. You can't get anything or know how to improve it.

You don't know where you are. You got to be real with yourself and you know so that's number one making sure you know your score know. Your credit report to your credit report is super important. Your score means nothing if your history does not back it up.

Keep that in mind. Perfect example. 700 credit score eight months in, but you have nothing else. You have no other established accounts or you just haven't been established long enough.

Maybe you just haven't had time to fail. They want to see longevity, these credit companies. They want to see longevity with you. They want to make sure you are trusted, not just for eight months, not just for a year a couple years: five, ten fifteen, the longer your history, the better.

So your score is important, but your report is even more important if you were somewhere where you know. Maybe getting a credit card is just not possible right now. This is still number one, maybe some credit repaired. Maybe you know if you have some collections things like that, you maybe want to get off your report to really improve your pull through rate collections, bankruptcies.

Things of that nature, medical bills, whatever it is, you really want to make sure you get those things taken off, so maybe disputing those things paying them to get them removed. You know you don't just want to pay them, because that doesn't help that's another video for another time I pay to get. Those are moved off of your credit report. Things of that nature to really help you with your credit score and those things coming off, will obviously get your score higher alright.

So you definitely want to make sure if you are not where you want to be, if you're into fours or something like that or maybe 5s and you're, just not where you want to be or there's a certain card. You want sorry about that noise. It's like a truck or something, but if there's a certain card you want it you're. Just not there make sure you're helping your report by paying things off to get them removed disputing them.

If they're not accurate things of that nature, all right. So, let's get into step number two: how to make sure just put the Rays good for you, after your credit, is where you want to be. As far as your report is concerned, you want to make sure we are now building we're rebuilding we're building. This is easy, pay your bills on time, pay them on time.

That's even if you have to set up auto payment cause. You forget it's 2020. We all have these phones in our hands. We have these iPods, iPads, Wolf's, iPads in our hands.

There is no excuse for not setting a reminder in your phone or on your iPad on paying your bills on time, maybe having a notepad if you're old, school writing them down on a calendar, put them on your fridge. Whatever you got to do make sure you are paying your bills on time and also because paying your bills on time is also, you know, and again I'm not talking about pay your cell phone bill, because that has a hoppy report. I'm talking about paying your credit card bills, paying your mortgage, your loans, your car insurance, I'm sorry, your car loan that your car's rent, your car, note things like that things that are reported on a monthly basis to the credit bureaus make sure you are paying those Things on time also, when it comes to credit cards and things like that, make sure your utilization is below 20 to 10 %. Everybody says that typical is 30 %.

I always suggest people to be better than average if you're in a room full of average people, who's gon na stand out of your all average nobody, the person who's above average, is gon na stand down, so I'm challenging you guys to be 20 percent utilization, 10 % utilization the lower to zero, the better one percent utilization or a 30 % utilization. If I'm a lender, I'm going with the person who got one percent utilization, I'm going to give them better, even a better chance and things like that, because they show less of a risk to me. That's mom lighting that I'm giving to them and I want to make sure I'm you know being smart, so the closer to zero. The better 30 % is a good place where you can be, but again in a room full of average.

If everybody always says 30 and a room for the average, you need to be better 2010 five, one percent the lower to zero, the better so again, once you've already gotten to where you want to be. As far as a reporter is concerned, you know what your score is: you've been working on it now, let's pay your bills on time, make sure utilization is low. Let's bow that history, all that good stuff. So now we can actually get into the point where it comes to appliance.

So, let's get into the next step before we apply for anything we have to do our research and what the bank is looking for. Some banks are more outspoken, outspoken than others, and some just don't say anything. So what I mean by that is, if you have a bank well I'll, give you a screen shot of a bank right here. This Bank right here is telling you for this credit card, which are typically looking for, doesn't mean that they're going to automatically decline you because they cannot steer that they cannot steer you away from a product that is against so many laws when it comes to the Fair Credit Act and all that stuff, you know, being a fair lender, so they can't tell you're going to be declined if you're not fitting this criteria.

But this is what they're looking for typically so they're saying hey, you know this is typically. What are you know? Customers have or what we're approving off of so make sure you are doing your research when it comes to lenders, especially those are specific things that you like, or you maybe want to do business with. Maybe you ready to have a bank account with them call their customer service up. Sometimes there may they may be able to tell you what it is sometimes may be on that website.

Sometimes you know and again is 20/20, so they're quicker for me, the better. If I can go on the website and see what the average is okay, I know my credit score needs to be in this average to really increase my pool to rate I'm getting his credit card know what you're applying for know. Your product know the bank that you're going after do your research. That one is very simple: do your research once you've again you've done the work on getting things off of report? They need to be improved.

Let's say you have nothing when you report now, you've done no work on getting things in your report as far as utilization is concerned. As far as one-time payments, things like that, that third step is now we're doing our research before we go out there and make a banking decision right. This is a big decision or a life. So now we have to see with these companies.

One is credit scores like that and once you've kind of been in that, let's say they looking for 680 to 700. Okay, I see the my credit scores about 720 perfect, I'm above that now, let's get into applying for these cards. So, let's get into step number four step number four just to be safe, rather than sorry check for pre-qualified offers. I love American Express that pre-qualified offers there's actually a tab on there.

If you're, not a customer already you can click pre-qualified offers. Put your name put your social. It is a soft inquiry, which means it does not affect your score. Okay, so that a hardened creates a soft and they'll.

Tell you hey, you know, you're pre-qualified, for this card describe this got this card does not mean the cards on there, you're going to be approved for, and it also doesn't mean the cards that aren't on there. You won't get proof or either so you know it's pretty much this pretty much saying you maybe have a better chance of getting approved for these specific cards. Okay, so it's always really good to utilize. That online, I believe, Chase.

Has it to prequalify offers a lot of Bank a lot of banks? Have these pre-qualified offers? You put your social, you put your name, your address, all that information and they'll give you a list of cards based off of you know what they pulled softly from your credit report. Maybe we should qualify for it and you know if it happens to be one of the cards are gone for perfect. That's increasing your pool to rate now. You know you're pre-qualified for this card.

Let's actually get into step number five step. Number five is applying. Okay, so making sure you know you've done your research step, one you see where you're at you know you want to be, and at that point in time, you're also getting things out there again. You're, improving your report, you're getting things remove, you're, getting things paid to get removed now, you're, putting yourself back up.

You are or building yourself from the beginning, you're getting utilization you're, getting things you know, you're, just starting to get things in your name. Maybe things like that, but now we're actually applying for stuff right, so step number five is apply and let's say you are just not you're still not getting a pull-through rate. You've been applying you've been applying you've been applying you're saying, look Walter, I've applied for things. Things is still not working that you know, because this was me.

Actually. I had no credit right and it's hard when you have no credit to get credit. If you have none right, so if you don't have any credit and you're trying to get some the best way to do it is to get - and this is my favorite method - secure credit cards. I love secured credit cards because it's safe for you and it's safe for the bank.

What a secured credit card is and how it differs from an unsecured credit card secured credit card. Is you give them a set amount of money all right? So let's say you are gon na give me $ 500 and for you giving me 500 dollars, I'm now gon na give you a credit card for $ 500. You still have to pay on it. Monthly.

I'm gon na hold your $ 500. For, however long I choose to took about a year to two years, I'm gon na monitor you very closely see how you use the card, see if you're paying every month on time promptly no lates or anything like that. If you decide you don't want to pay the credit card. Well, I got your final dollars.

You're not gon na get it back. Hopefully, that's not the case, because I really want to trust you and I give you your money back. I give you your five hundred dollars back and now I offer you a credit card without any collateral down any money down. So that was my situation.

I didn't have anything on my credit report good or bad, so I had no score and I had to go to secure credit card now again, if you feel as if you go apply for credit cards, you have no credit history. You don't have anything in your report, you don't have bankruptcies collections or anything like that. Skip those steps you see where you really need to be. You know you've applied for some credit card, so don't go crazy in the plaque 420.

If two or three credit card company said you have no credit, they're, not accepting you. This is why I stopped secure credit card and my favorite secured credit cards. You know I didn't video all those as well. One of my favorite secured credit cards is to discover it secured credit card, so definitely make sure I'll put the description in the bio.

For you guys it's my favorite, because you get cash back still and they match you at the end of the year on the cash back. A lot of secured credit cards. Don't give you a lot of perks because you're not really established, and they want to take advantage of that Discover, still gives you that unsecured feel of letting you get cash back and then matching you all your cash back after year, one so guys. I hope these steps have helped you.

I hope I did not confuse you too much if you guys have any questions or concerns. Let me know my credit experts, my credit gurus anybody, or even people who've. You know just maybe not an expert in credit, but they just had life experiences. Make sure you say your experience down low, I'm sure people will appreciate it if you're doing this channel and you liked it share subscribe.

Give me a thumbs up all that good stuff. Again, if you have any questions, make sure you, let me know I'll see you guys in another video take care.