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what's up youtube welcome to the credit plug channel where we talk about how to build credit how to establish relationships with banks and financial institutions and most importantly how to get you access to high limit credit funding if you're new to our channel or if you've been checking out our content make sure you hit that subscribe button as well as smash that like button it helps our content reach a wider audience and we greatly appreciate the support so for today's video we have a very special topic we're going to be talking about so in today's video we're going to be talking about credit card stacking and double dipping now some of you may have heard of credit card stacking previously now i have a different interpretation and definition when i'm using that particular term but you may have heard this when it comes to certain companies that quote-unquote provide funding for people and basically what they do is that they shotgun people's applications to different banks usually major banks like american express chase discover bank of america wells fargo and they see what sticks and then they charge you a 10 back in fee so that's not what i refer to as credit card stacking uh when i'm talking about credit card stacking i'm talking about getting multiple credit accounts using the same inquiry now this strategy doesn't necessarily work when it comes to major banks now this double dipping strategy usually works best with credit unions now the reason why credit unions are so special when it comes to acquiring multiple credit accounts is because certain credit unions allow you to get multiple accounts using the same inquiry within a certain time window whether that's 30 days 45 days 60 days or in some cases as long as 90 days now not every credit union allows this for example navy federal does not allow double dipping meaning that if you apply for a credit card today you're going to get hard pull if you apply for a loan tomorrow you're going to get hard pulled again but there are certain credit unions and i'm going to share with you a handful of them where you can get multiple credit accounts using the same inquiry now the reason why this is so effective is because you're limiting the amount of inquiries that you're acquiring and you're maximizing the number of accounts that you can get as well as you're maintaining your approval odds because as you get more inquiries the chances of you getting approved greatly diminish now i would say you're usually good for about three inquiries within a short time window after three inquiries is looked at as credit seeking now a couple things you want to be mindful of right so every institution has what's called a maximum exposure so the maximum exposure is the most that they're willing to extend to you across all different products so a maximum exposure might...