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$1,000 First digital Credit Card Approval | Rickita

Mar 17, 2022
hey beautiful people it's ricky and i'm back with another video so in this video i want to answer a comment i actually got so they asked me if i know anything about

first

digital

and i was thinking wait i don't know anything about them but let me do some research because you know I always want to do research on these companies so I can see what

credit

card

they're looking at and then I can give you my opinion on that account or that

credit

.

card

now if you want to make your personalized video definitely let me know in the comments i'll make sure to make you a personalized video and always remember you all when i make these different videos um i hope you guys take my suggestions but at the same time you know if you ask for a card credit, there is a chance that you will get a chance that you will get a hard pull and that will be up to you if you make the decision to get a hard pull. and applying for that credit card now i did some research on t your credit card let me start by saying this credit card here has very high fees so i always told you guys if a credit card has high fees like this you better get a secure credit card get a credit card with fees like this so the APR on this credit card is 35.8 and that's for purchases and cash advances so ya it's high um another thing they have a high annual fee so for the

first

year you're going to pay 75 and then you'll pay 48 annually and then in addition to paying the annual fee you'll also have a one time program fee after you they approve it and it will be 95 so could you also say you have to um you have to pay a hundred and seventy dollars the first year you also say the annual fee if you think about it you have to pay 170 dollars that first year and then you have to pay 48 dollars per month is really the same to me now if you guys do a cash advance than for a credit card like this you guys shouldn't be doing cash advance and i really don't suggest it for a lot of credit cards. everybody does but for this one they're going to pay ten bucks or three percent whichever is higher and that's going to be for cash advances if you want a full rundown you can definitely see the full rundown but here's everything related with the car so far if everyone was thinking about getting this credit card then maybe there are other credit cards you can sign up for so you don't have to worry about paying these high fees and I'm going to go over those credits on those credit cards those options that I think you should take after going over something that I want you to look at with this credit card so you can see if other credit cards have the same thing that offer the same thing so I have to do some research on this card and you know that i went to the walla center and saw that they said they were charging a program fee of 95 we went over that 75 yearly fee for the first year and then it goes down to 48 which is basically six bucks and 25 a month so you know that's a lot when I looked they said you probably um you won't get approved for more than the 300 to start with but they say right here um you can get at least 300 so that's good, if you were to get the credit card I don't really suggest it but if you were to get the credit card at least you know that 300 isn't like the fixed amount you'll get. we can get more than that now we go through april we go through all these different things right now this is what i want y'all to see because i want you to see if other companies have the same thing so someone asked how do i get a first credit limit increase of the massive

digital

master card? astercard credit limit increase online or by calling them properly it is important to know that each credit limit increase comes with a fee that is 25 of the increase amount which means if they increased your credit limit by 400 you are going to they have to pay a hundred bucks for that increase that's crazy that's really crazy and then you guys also limit the increases are available after the account has been open for 12 months and they have six consecutive months of on time payments now the 12th thing of a month so you have to wait a year to get an increase you have to pay for that increase but many accounts have the same some accounts wait six months but this account here they have to wait 12 months and six months of consecutive payments I don't like that basically say if they give you a raise then everyone has to pay a fee that's why i don't like that so guys i just want to do a review on this someone actually do a review if you need th is a credit card then there are other credit cards you could possibly get um you guys don't have to get these credit cards if you want me to look at your credit reports which is really what I suggest let me look at your credit reports let me tell you what you might get approved for.
1 000 first digital credit card approval rickita
Tell me what you want to get approved for and then we'll work towards it. comments and click the link and schedule a call with me and then I can go over your credit reports and then we can talk about what you can possibly approve personally but take these other tips I'm about to give you in case you don't have time to schedule a call and he wants to go ahead and do everything on his own so they have the option to do a mission lane now what I like about mission lane is I recently made a video that will actually give you boosts which is well if you s go to credit karma and see if they can have that as an offer like credit card i suggest you apply there because someone said they were able to get approved with no annual fee when they applied through credit card so you might want to look at that but first see if you can go ahead and get approved so you can click here and see if i get approved now michelin is going to pull r your transgender credit report you don't have to have the best you don't have to have amazing credit to get this credit card but it's an easy credit card that everyone can go ahead and get and can pre-qualify you without a heavy hit to your credit now if you accept that offer and start applying then it's going to be quite a blow i understand you're going to get a heart query on your credit reports now the next company i want to talk to you about is aspire card i'm pretty sure you saw me do a video on this card now what i like about this card is you can prequalify for this credit card so you can click here and click and prequalify for this credit card and you can choose which card and what credit card do they want to apply for and I like the point that you can get pre-approved and this is not secure so they don't have to put down a deposit. to like it's a secure credit card so if they don't have the best credit go ahead and apply for this credit card and see if they can actually pre-qualify you if they can pre-qualify you and you need a credit card then go ahead and get this credit card because they don't have an annual fee or hopefully you won't get the annual fee but check and see if they will charge you their fee when they prequalify you now the next three companies I want to talk to you guys are like the easy ones I'm like drilling the y'all head just get these different credit cards they're so easy um to see if you can get pre-pre-approved and they have so many different credit cards you guys can apply for um so the first company is to find out to find out what really can um see if you're pre-approved for a credit card offers like here all you can see if you can be pre-approved for your credit card and it's not going to be a hard hit to your credit it's going to be a soft bunch so you won't get the hard inquiry and your credit score shouldn't drop from seeing if you're pre-qualified and pre-approved now there are multiple companies that you're not multiple companies there are multiple credit cards credit that you possibly can get approved have your credit card secured have regular credit cards zero percent rate on purchases zero percent zero percent rate on purchases is really good for those people who know that they have some purchases that they want to make and then they want to pay for it but they don't want to, um get to collect any interest that is a really good deal for you.
1 000 first digital credit card approval rickita

More Interesting Facts About,

1 000 first digital credit card approval rickita...

You need to really like the cash back that they offer and I also like your secured credit card because with your secured credit card um you guys have the option of having to graduate so the secured credit card you have to deposit the money right so if you deposit 200 in about seven months they will go through your account and make sure you don't have any new stuff no new bad account or bad things happen. to their credit reports and they're going to see if they can upgrade this account to a regular credit card so I always tell people to try and see if they can get their secured credit card because they're graduating and then when they graduate guys if you put that 200 down for the secure card then you get that money back so i definitely like um find out go ahead and see if they can pre-approve you for any of their credit cards Now, the next company.
1 000 first digital credit card approval rickita
I want to talk. for you guys about is capital one now i'm going to talk to you guys all the time about these three companies you would like to know if you watch my channel all the time because they are simple credit cards that everyone can get and when they get these simple credit cards, so they can start building from there and get more credit and more credit and more credit but you have to start by just making sure you have the four basic credit cards telling the credit bureaus that you're paying on time and then that will allow you to get extra credit cards now i just have these easy credit cards that came out with the fair and build credit cards.
1 000 first digital credit card approval rickita
There are other credit cards that you can definitely apply for but I see a lot of people building their credit so I want to stick to this because I wanted to be close to that digital first so you have to secure credit cards that you can actually get and then you have two unsecured credit cards and you have the platinum um which doesn't have an annual fee and then you have the mercury which has an annual fee but at least you guys will get one and a half percent cash back on every purchase every days so you can definitely click here to see if you're pre-approved for any of the capital one credit cards if you mess up capital one and um and you owe them you can't get another credit card with them um you won't be able to get one credit card with them until you pay off that balance and then hopefully they'll forgive you and let you back in but if you can't get a credit card with capital one check out the navy federal um website because this credit union offers several credit cards again and they can prequalify you so they can prequalify you um for these cards and then i like that you can freeze these cards and unfreeze them so lets say yes um lost her purse can you freeze these um credit cards right away say if it's late at night or say if you just don't want to um, anyone who uses your debit card um, not your debit card, your credit card, you're in trouble , you can freeze your card um just to make sure no random transactions and when you want to use it you can unfreeze it so i really like the navy federal credit union and they have multiple credit cards they got approved i will let you all know about that already now the secure credit card we are not talking about that now with the secure credit card this is another credit card that is going to graduate ó and I didn't tell you everything except Capital One credit cards.
Graduate to your secure credit cards. In fact, he's graduating in six months and they have it right here on their website. two $49.99 give you a two hundred dollar initial credit limit will automatically be considered for a higher line of credit in as little as six months so make sure you pay your bills on time with that really that's the most important thing and you guys you should be able to get that increase now with them um if you make a deposit of 200 with the federal secured credit card from the navy then you might be able to increase um your credit limit to two thousand dollars in about six months or after six billion of cycles and you just have to make sure you are paying your credit card on time. um graduated to a regular credit card a regular unsecured credit card now again look at these rates when you're looking to get these credit cards check out the rates and if you have any questions set up a call with me let me see what's up Continuing with your credit reports let's see what you have to do if you need help buying a house I'm helping a lot of people with that definitely let me know I'm here for everyoneyou guys i want to help you all and i am only accepting so many people into my home b buying program this year so if you are looking to buy a home be sure to join my home buying program but i will have you link in the description for all of you too but i'll see you in the next video there are so many people with so much debt they can't even get a car they can't get a mortgage they can't even get a credit card like i mean a 200 credit card some people can't even get a secure credit card that's why I created my exclusive credit membership and it's only a dollar guys so my exclusive credit membership guys I'll actually get the letters to eliminate bankruptcies collect the recoveries from any negative accounts you have on your credit reports. letters but say if you don't want to do all that work I have it so you can get free credit repair which means I'll really start working to help you get these accounts off your credit reports and look here look at all the results my cl Clients are getting so definitely remember you can join my exclusive membership for just a dollar and I'll have that link below or you can text 21 000 score and you'll have that link so i will see you in my exclusive membership

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