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[Music] you [Music] how would you know the video this video is gonna be about combining credit cards now it's just a little quick strategy you can use in order to you know maximize money on one of your cards as well as it might even help your total average number years of history so let's say for an example you got a Capital One car two years ago and you got a capital one card maybe a month ago the one limit you had was $1000 on the first card the second card gave you $700 all right your average history down but say you had only two cards for example I could have more well say you had two cards so it's the average of both your credit lines together so one is two years old one is right now so I'm basically looking at a one year history combined okay what you can do is that once you combine those cards you want to combine the newest one with the oldest one that way that actual extra money of limit goes on that car so you go from a thousand of $1,500 in the credit limit as well as now you're back to a two-year history and you're not at a 1-year history because of those two accounts all right now you only have one account with two years of history now you know of course having a lot more accounts as good it's great but if you can get that card back you know basically you're basica like giving that card back almost so now you could apply for another card maybe get some authorized users on that account and now apply and you get a bigger amount with a different credit company okay you know you can also get that inquiry delete it from us and you know now you got more buying power to get more cards all right I know Capital One does that there are other countries that do it as well just call and just add to see if you can combine cars so make sure you're doing it properly on Capital One copy do you have more than one car in just three cards you combine all three together you can do that all online yourself just make sure you're specifying it you're trying to combine the new ones with the old ones and not the other way around so doesn't mess up your credit history okay it's also a good way to be able to get more or bigger credit line increases so if you only get $100 increases or you're only getting say you're only getting you know sometimes you know $50 $200 or it won't even give you an increase once sure once your mountain goes up they start giving bigger increases so instead of getting 100 and I give you 250 to 300 the $500 increases every time instead of just giving you that you know a little bit of an increase all right so that helps that area as well okay so just something to keep in mind just a little quick strategy people don't know that I did help about two or three people combined credit cards yesterday just out the blue and I was like why don't I make a video about that so that people would know that you can combine credit cards and it can't help you can't be for the good alright so I hope you enjoyed that information there I'm gonna come back with some more information as well I'm trying to make sure I have videos out if not every day every other day at least one every three days I'll have the live video coming up as well with some more information for everybody out there that they can apply to their credit right now or on a monthly basis just some little things you can do with your credit now another thing about Capital One if you're thinking about applying for a capital one card I will suggest you don't do it the reason why I always suggest that is because they're gonna pull all three credit bureaus instead of pulling one Bureau so let's say you want to get funding from me or for yourself or anything like that alright a lot of companies will pull what most companies will pull one Bureau some will pull two most pull one so if you understand the actual credit algorithm and you know what happens when people apply for credit you will know that you know you want to apply for companies that only pull one bureaus let's say you're trying to get five credit cards okay now you can get five credit cards with one credit bureau so that means you can just go and just run in your transition up or run your Experian up but your Equifax and TransUnion could be totally clear of crease so you just got five credit cards with this credit grill now you want to get a car you know you might go to your credit I was just that - don't go to the bank I'm sorry don't go to the car lot go to your local bank and get pre-qualified before you go into the bank because they will run your stuff into the ground they will run your credit so many times sometimes and I've had a friend he went there they ran his credit like seven times he didn't know until two days later he takes my man what the world leader in my credit same jobs and I'm like bro that's what they do like if you don't say nothing you want to call it oh they'll get you in the car just gonna bring you for a lot of increase so to help that go to your local credit union get pre-qualified before you go you can always take your pre-qualification letter or how much money you have to you no way trying to buy a car from that way you get one inquiry and not you know so many so it's just a strategy on you know how to play with to play with that so now you got another beer let's say Equifax got that Equifax bureau now has you know one inquiry that you got for your car so now you have the five you have five lines of credit on experience you got one inquiry you got your car on Equifax you know now you decide you want to get some more cards you know now we can go use some hickeys on your Equifax and use your transgene to get more cars or more funny or personal only something like that but with Capital One they're gonna pull all three every time so if you did you know a car loan with them you got two credit cards from them you got three inquiries on every bureau's now you got nine increased totals if you want to get those removed by us right now we're doing special for you dollars per inquiry but that could be up to $50 per entry that's my normal charge $50 per inquiry and so if you can have a whole lot more enquiries I can lower that price even from 40 if you have a crap-ton you know I'll make it you know worth your while you know I'm saying I would still lower even from 40 but you know you don't want to have a lot of increase if you don't if you don't have to have if that makes sense so I wasn't just staying away from Capital One I'm applying for other people now if your credit is just really bad and you think the captain won't be the only person that'll give you a start-up credit card as far as you know a main one and not one of the primary ones I have in my primary videos where it talks about you know those ones that are not you know visas Masek are that they are primaries if you want to get one that is if he's a massive car that's the your only shot I would suggest you know getting that I'm definitely just getting the Quicksilver card over any other card just because you get that 1.5% cash back somebody told me the other day that a has some other platinum cards that do give cash back as well but I think the Quicksilver has the best interest rate is what after the introductory and you know but they won't give you they don't really give a lot of big limits for their cards even if your credit score is pretty good this their their limits compared to other cars it's just it's just way low way lower than most so it's what make sure that you know that so yet you can't combine credit cards you can get other ways to I said there are a lot of other ways to you know spruce up your credit but I would say that you know that is just one little small technique that you could use to apply to your credit but you know not knocking capital one anyway and I want to make it seem like that but they do do a lot of small a lot of small limits you know if you can testify to that leave a comment about that if you have a capital one card and you want to draw some information about your capital one card and what your scores were when you applied you know let people know that hey they don't give a lot of big limits now for other cars so some of your top tier cards you know yeah you know they might give a decent amount but for the most part you know they don't really give a lot of money up front so if you need any suggestions on what cars to apply to or if you want me to apply for credit cards for you I'll let you know if that few years to do that I hope you would funding if you want that and tell you what the fees are on the funding as well you know and if you have any question about this video just leave a comment or question leave a comment I'll respond to the comments here on this page and also of course on this video so hopefully y'all enjoyed everything about this video wish I didn't leave anything out for you all to know oh I do have a 1-800 number coming so y'all can contact me there I do have a way for y'all to schedule appointments as well so you'll be able to see how the scheduling appointment you can click on it you know put your name your information and you can schedule that appointment for a consultation if you want a consultation you can do consultations right here from YouTube clicking on the link I make sure my posted on every video that I've ever created that way that way any video that you watch should be able to find how to make an appointment you'll also see links on how to start getting credit repair if you need to get traditional credit repair you see links for that in every video you're gonna see links for how to do the credit suite if you wanna do credit suite because he links for that in every video you also see links for a lot of the credit cards that I personally have that I have referral codes forward down and if you want to contact me first that's fine if you're writing your credit is good enough to get those cards then go ahead and apply for those cards you can both get a benefit from you applying for those cards they'll give you more bonus money they'll give me a little bonus money as well just for you applying through my referral link so you'll see those as well these are cards that I'm gonna even lie scars are in my funding my funding list just because they are very good very easy to get for most people even if you'd only have you know a a few a use and one primary so I just make it very easy for people to you know go ahead and start getting you know 5 K credit cards with these companies so you'll see that link as well but yeah it is a it is right now today is Saturday it is January 2 2010 a don't know if y'all are having brunch right now you know saying it enjoy that brunch you just got a church or we know whatever you whatever your religion is um you know celebrated today if you went out with family if you did some shopping you know hope everybody have fun but this is Janos credit your favorite guy in the hoodie don't forget credit is Queen cash is king [Music]