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welcome to trade line TV my name is Mike every single day I come to you about education and learning the credit game we're gonna talk about a topic I've never talked about but very very interesting and a lot of people are asking I actually got this video from a gentleman who asked me to do a video on it which is how I create most of the videos so you guys know exactly what's going you're like hey might do a video on this so I do a video on it I give my own video experience meaning everything that I tell you today is and can be different for each person because when I talk about the four credit cards that give the highest credit limit it's all on personal experience only and reason is everybody has a little bit different of a credit algorithm right you're five hundred and twenty four things that make up a credit score so you're never gonna find out the algorithm and beat the algorithm you're never gonna know exactly what credit cards do this and what do this and what max this and you'll never figured out right there's five hundred twenty four different ones so what I'm doing is based on experience okay I did a video recently on filling out an application right and understanding what to put on the application that may benefit you a little bit more then saying I make six thousand dollars a year I live under a bridge and I'm unemployed if you put that chances are you probably are not going to get great credit limits but I'm gonna talk about the top four in my opinion of the highest credit cards the best limits that cards will give you and coming in at number one is chase now I'm gonna give you two for chase because specifically Chase has been very friendly they tend to give out very high limits initially they're not somebody who's gonna give you a lot of like you know credit line increases but they want to see activity but they are typically a card that will give you the best credit limit right up front okay and coming in number one is chase but I'm gonna give you two parts that Chase freedom in my opinion gives the highest credit limits right off the RIP and then number two also coming in with Chase is the Sapphire okay the Chase Sapphire card in fact the Chase Sapphire card you have to have a pretty high score to get but I believe that the credit limits are somewhere around eight thousand maybe ten thousand or a higher okay but the freedom card actually gave me a better credit limit then that as well so that is coming in at my number one choice for the highest credit limit cards out there that are most friendly with the initial credit line okay not saying that you can't go back every couple months and get credit line increases from different companies but chases if you're looking for something that's a little bit higher upfront that would be my first pick coming in at number two and that is the capital one card okay now Capital One has a couple different cards I'm gonna give you a number one also and then I'm gonna give you a number two pick for Capital One in my opinion the Capital One saver card would be my first pick for Capital One that is the sov so our saver card another food card made by Capital One we are seeing a lot of positive you know response from it a lot of our clients are saying that that card has done very well as far as the initial credit limit they're also pretty good about line increases as well Capital One but then coming in number two right behind the saver card is going to be the capital one platinum card okay so Capital One is pretty on the relatively easy card to get but also at the same time they tend to give a little bit higher credit limits in my opinion now there's gonna be some controversy here because people are gonna say you're missing American Express in my opinion okay and I've got 45 cards American Express did not treat me like those cards okay not saying that people can't get higher cards with American Express obviously American Express is one of those cards where you know you you're dealing with a higher clientele okay but in my experience that has not been the most friendly to me okay I mean maybe somebody else gets a higher you know American Express than Capital One okay because it is more of a prestige card but again this is personal experience but you know as far as the capital one goes tends to give out pretty high credit limits right off the RIP okay and then coming in at number three in my opinion is Barclays okay so Barclays and I'm gonna give you one in two of that as well which I think are really good and that is the Barclays Carnival Cruise Line card okay so Carnival Cruise Line the bank behind it is Barclays tends to give out pretty decent credit limits right off the RIP as well and then also my second would be the JetBlue card okay so that's a flight card you know flying for Airways JetBlue Barclays Bank is the bank behind the JetBlue right so you would contact Barclays and let them know you want to apply for their JetBlue or their Carnival Cruise Line that would be my third pick as far as best credit limits right up front the highest credit limits okay and then number four would be Bank of America rewards cards okay so they have like a red card if you guys see it's a Red Bank of America card that card we've gotten a lot of great response from not as well don't be wild and your you know like you're gonna get a twenty thousand dollar credit limit but that's why I did a top four for you guys and Bank of America rewards cards tends to be lending right now I try to keep you guys up to date with all things that are happening the news the buzz the clients are saying this client saying that but Bank America is my top made it to the top four okay now cool trick I'm gonna share with you guys actually gonna give you two bonuses because I never leave without a bonus number one bonus is this I applied for asynchrony Bank MasterCard okay Dick's Sporting Goods now the cool thing about sinking the reason I went with synchrony recently was I know they don't give great credit limits upfront but the trick and the tip to synchrony bank is that they give credit lines instantly okay so if you do this right okay my highest credit limit cards is over 40,000 okay but synchrony gave me 4500 okay but I wasn't upset normally if I applied for something and you know I've got forty fifty thousand dollar credit limits and then I get a synchrony in forty five hundred I'm gonna be you know or any card I'm back but I knew it synchrony okay so the cool thing about synchrony and this is a tip you guys can take away is immediately okay number one they're gonna report to your credit bureaus in two days okay so sooner you apply literally by the time you walk out and exporting goods that's on your credit I mean it's that fast right so once it's on your credit as soon as the post you're gonna contact synchrony Bank and say look I'm trying to redo my kitchen I'm looking to do X X X X X whatever and I need more right so they're not initially gonna give you a pretty high amount but what I'm gonna ask for is fifteen thousand Ralphie so if I got 4500 I'm gonna say look you know I got a 4500 ollar credit limit I was expecting to be able to do redo my kitchen I need to get stainless steel and granite countertops xxxxX I need $15,000 to do this okay now synchrony is very very lenient what credit line increases okay so what I did call him up 1715 boom right over the phone okay so they gave me 4500 and then credit line increase to 15,000 within two days okay so that's a cool trick with synchrony another tip and I'm gonna leave you guys with this number one what I said was chase and number four Bank of America okay here's two tips that you can do to get better increases on getting the actual cards to do this as a prerequisite number one is open up a checking account okay so go into Chase open up a checking account or go into Bank of America open up a checking account first okay get in your system three to five business days open up a checking account go back three to five days later you're already in their system they are relationship banks what that means is they want to see that you're you know open up a checking account fifty bucks you know whatever it is then go back three to five days later you're ready in their system they got your name in there you're ready in the system okay now when you go back in okay you're gonna say look I'm looking to expand my relationship with you guys and I would like to get a credit card from you guys and that significantly increases I mean we've heard clients for four years saying this significantly increases the chance of actually getting approved and for a higher limit so a little prerequisite first go up in the checking account then go back three to five days later say won't apply for your Bank of America Awards or I won't apply for your Chase Freedom or your Sapphire card and that will not only increase the chance to get it but because their relationship bank you'll get higher credit limits as well and while we're on it let me talk about the two worst cards in my opinion the worst card is going to be well let me tell you second or worse first second worst probably is going to be discover okay the i.t card tends to give lower credit limits most people will see somewhere between that you know fifteen hundred you know fifteen dowels in write smaller credit limits they tend to lend a little bit less upfront you can call back every couple months and actually get a credit line increase wit discover but the initial credit limit in my opinion is you know it's it's it's relatively low they want sure that you can use the card and you can pay it back and my opinion the number one worst card to get in terms of initial credit limits is going to be the Wells Fargo card they are very reserved when it comes to credit limits and so typically like I said 1500 2500 at the most to start for most most people not saying that somebody else can't get you know higher credit limit but in my opinion even with over an 800 credit score 2500 our card is very very low so guys don't want to share with you my top 4 best picks for highest credit limit cards to get and then the two lowest would be the Discover and Wells Fargo going up with number chase capital one for number two number three wouldn't be the Barclays at number four being Bank of America so I hope this helps good luck on your applications and remember this when doing an application okay it is all stated so you want to be careful what you put you don't want to over embellish and put that you make three hundred thousand dollars a year if you make one hundred you certainly don't want to put a hundred if you're making thirty but because it's stated filling out the application making sure that your employment history is on there making sure that you're a rental or your you know your mortgage how long you've been living in a certain place is definitely something that you can you know kind of puff up a little bit income obviously you can go slightly higher they're not going to ask for tax returns typically unless you put you know million dollar earner they're gonna want to see some documentation but for the most part you can puff it up a little bit and stay within realm and this will certainly increase your chances of getting better credit limits they want to see security you want to make sure you can pay back remember that if somebody's gonna loan you something if you were a bank would you loan to you right ask that question would you loan to you so if you put you've been staying somewhere for a month and you know you make you know seven thousand dollars a year and you're unemployed would you give a credit card to this person probably not right so think about that when you're applying okay anytime that you can do an application over the phone is doing it through the computer your chances increased significantly and then one up from there would actually be going into the location itself okay so worse chances of getting approved or actually doing it online not talking to anybody next best chance is actually doing your credit card application over the phone with a live rep and your best chance of getting approved is going to be actually in the bank if possible like a Chase Bank America so and so forth okay and the reason for that is because with how many crimes are out there with these people that are committing fraud you take that one element away by being in person because you can show your ID right so you can't show your ID through the computer or talking to a personal in phone so in most cases when you walk into a place they're gonna ask for ID they're gonna see it at you and you're gonna take that one element of fraud off the table cuz it's you and you're showing your application okay guys listen first time on the channel make sure you hit the subscribe button for you guys that are already subscribed thank you so much for being part of our team but it means a lot to me to subscribe because this is how we grow our channel and I'm the only person doing it every single day Monday through Friday so you guys can learn to educate yourselves on the credit game make sure you hit a thumbs up if this resonates with you I appreciate the thumbs up smash that bad boy and and then guys listen turn all the bell notifications this is a simple thing right take the time for a second turn on the Bell notifications so that way every day you're seeing the videos coming in you're learning right credit is a game and the better you get the more you practice the better you get anything so learn it every day become a master at it and change your financial future my name is Mike with wholesale trade lines and until tomorrow take care [Music] [Music] you