5 Credit Cards That Won't REJECT You! (Instant Approval)

Hey guys name here so in today's video I'm not going to show you five

credit

cards

that won't turn you down and these are the easiest

cards

you can get no matter where you are in your

credit

journey. you are starting from scratch or you are a student or you have never had any type of credit before or you are simply an individual who made some mistakes in the past and you are looking to repair your credit having little or no credit is nothing extra fun when you apply for more credit cards and If they deny you, that only sets you back even further, as your credit will drop a few points.

We all know that credit is something that is necessary nowadays, there are naysayers who say Credit doesn't matter and pay everything in cash, but the truth is that most people don't have enough money to buy a car or a house. Having a good cash credit score will allow you to get a better rate on your car loan. your mortgage and also if you're looking for a place to rent, the better your credit, the easier it will be to get approved for that place, so at the end of this video I'm going to show you the easiest cards you can get. and for some magical reason they don't approve any of these cards I'm about to share with you.

I'll give you some other tips at the end of this video as a bonus before I start listing all the Cards None of these credit card companies pay me to talk about these cards. These are just my personal recommendations based on experience and research, so the first card we'll talk about will be figuring it out. Secure credit card. I should say that depending on your credit history, if you have no credit, what are you trying to repair? This should be the first card you should try to get. The main reason I say this is that this is one of the few cards. that they can get started with and that gives them any type of points or rewards, this card is a secured credit card if you're not familiar with what that means.

I didn't make a video on this particular topic which I will post at the link in the description below, but in a nutshell, a secured card is a type of card that requires a deposit, which is the amount you put down will be your line of credit. . Most people are probably familiar with traditional unsecured credit cards, such as when you listen to someone. get a travel credit card like Chase Sapphire or Chase Freedom those credit cards are traditional credit cards this is where banks look at your credit history and then approve you for a certain amount of credit on the other hand secure credit cards They require a deposit guarantee which limits the risks of the credit card issuer, so imagine if you wanted to stay at a hotel, they usually want a small temporary fee that is applied to your card in case of any type of expense, but once you are done with your stay, if there are no damages or drinks taken from the minibar, then B+ is fully refundable.

This concept is basically the same but with a card, so this card requires a minimum deposit of two hundred dollars and a deposit is 100 percent refundable whenever you decide to close your account or upgrade this card to a traditional line of credit, the The amount of money you deposit will be the amount of money you can spend, so if you deposit $200, the maximum balance you can have on this card will be $200. Please also note that in the event we are not approved for this card for any reason, the security deposit will be refunded immediately. If this card does not have an annual fee and this card is treated like a real credit card, which means it can build credit. history of the three major credit bureaus, which are TransUnion Equifax and Experian, so now let's dive into the good part: the benefits: You can earn 2% cash back at gas stations, restaurants, up to $1,000 in combined purchases every quarter, plus you can earn unlimited 1%.

Cash back on all other purchases automatically and as a bonus offer. Discover will match any cash back you earn at the end of the first year. Any points or rewards you earn will also not expire, as this card is treated like a regular card. credit card, it has zero fraud liability security alerts and the ability to freeze your account in case you lose your card and also with this card Discover will automatically start reviewing your account eight months after you have had this card just to see if they can transition you to a regular line of credit and, if you are eligible, they will refund your $200.

The nice thing about this card is that if you go to the discovery website you can apply for pre-

approval

, which means you can find out if you can't even get approved for this card without having negative effects on your credit score, but there are some requirements. Minimums you must have: have a job that generates money in your bank account and not have a pending non-chapter 7 bankruptcy in your account. credit report, so the next card we'll talk about would be the Capital One Journey Student Credit Card. Let me put this out there. You do not have to be a student to apply for this credit card, although this credit card is geared more toward students, but anyone who is not a student can still get approved for this card.

Capital One is one of those credit card issuers that is more lenient on credit history and credit scores, so with this card you have a direct rewards system and you earn 1%. cash back on all purchases you've made with this card, plus when you pay your bills on time every month, you earn a 25% bonus giving you a total profit of 1.25 percent. This is a big problem because most cards that are aimed at students or people looking to get credit, never offer any type of rewards, plus, this credit card has no annual fees or foreign transaction fees, so If you are studying abroad or traveling abroad, this could be a great travel companion and with this card, if you pay your first five monthly bills on time, you will be eligible for a line of credit increase.

The higher the line of credit, the more money you will have at your disposal, just keep in mind that just because you have more credit doesn't mean you should always max it out, this just gives you the freedom in case you want to make large purchases. Some other features of this credit card is that they give you a zero on our liability, which means that if this car is lost or stolen, you will not be responsible for any unauthorized charges. You also have this access to what's called a car lock, which means you can lock your card from a mobile app if it ever gets lost because this card is like a ride.

With the card, you get all the travel benefits that come with it, like travel accident insurance, car rental, damage waiver, extended warranty, and travel assistance, so the next credit card we'll talk about will be the Capital One Platinum card. There are two versions of this card. There is a traditional unsecured credit card and also a secured version, so if your individual has a limited credit history, like if you were starting from scratch or your student, I would just apply for the regular Capital One Platinum credit card, but if you are an individual who has defaulted on several loans or been declined for credit cards in the last three months and is now simply going the safe route, so if you decide to go the safe route, a $49 security deposit is required, 94, current deposits are when they do.

Take a look at your credit, they already determine how much money you will have to deposit, so the best case scenario is $49. The worst case is $200, so let's say you have the best case, which is $49. They can still give you a $200 line of credit, but the more money you deposit before your account waits, the larger your line of credit will be, so if you decide to go with a secured card or a traditional traditional credit card, everything They will review. your credit within the next six months to see if they can't increase your line of credit.

The sad thing about this card is that they don't offer anything spectacular, like no rewards points, cash back, it's pretty basic and is meant to help you build or rebuild. credit, so like the Capital One card above, security features and benefits are also included. You can also receive security alerts about any potential fraudulent activity. Zero liability for fraud. You can also block this card if you lose it and can access your credit report as well. There are no foreign transaction fees on these cards and you get all the travel benefits such as extended warranty, travel accident insurance, and collision damage waiver on car rentals.

The next card I will talk about will be the Open Sky Secure Visa Credit Card, one of the key differences with this card compared to the other cards I recommend is that this one has a $35 annual fee. I rarely recommend cards with annual fees because the benefits they have outweigh the costs. What makes the Open Scot Secure Visa special is that it does not check your credit when you apply, meaning there is no negative effect on your credit score. One of the main requirements is to be at least 18 years old or older and have enough income to pay a deposit of $200 along with an annual payment. 35 dollar fee, so if all the cards I mentioned so far, this will probably be the easiest car to get on the list, unfortunately this type of car does not have any type of reward system, it is pretty basic, just using it to build or rebuild credit if you are a student who wants to study abroad or someone who likes to travel outside the country, do not carry this cart with you because it has a 3% foreign transaction fee as this card is intended for build and rebuild credit, did you report to all three credit agencies?

I recommend after keeping your car for about six months. Sorry to be a credit score from sites like Credit Karma or from your bank, sometimes they will have it just to see where your credit score is before. the annual fee increases. I will try to get a credit score of around 650 or better and then we will close our account to open a number five traditional credit card from your personal bank or local credit unions, no matter who you are, if you have a bank account anywhere and If they also offer credit cards, this would probably be one of your best odds.

I personally, when I was in the military, I had a military issue bank called Pacific Marine, which is now called Front Line, but they gave it a first credit card since I. I was with them and knew I had a steady income. It was a basic card. There was really nothing special about it. There were no cash rewards or anything like that. There were no travel protections. It was just a basic card. But this basic card helped me build my credit from scratch, so, for example, if you bank with Bank of America or any other local bank or credit union in your area, you'll have the best units if you go in person and talk to Woofle, a real human being really helps, the reason why it's so much easier.

Getting proof at your local bank or credit union is that you already have accounts, they know how much money you have there and they have direct access to your checking account, so now let's talk about some additional steps. The first additional tip is to always try to accept the pre-

approval

offer. Some credit cards like that, find out, will allow you to get pre-approved before you apply. Pre-approvals or never are 100% accurate, but they are pretty close, they have no effect. on your credit and they give you the best boats to determine if you will be approved or not, but now let's say you can't get approved for any of these cards or secured cards listed, you received denial letters and your bank won't even tell you will give a credit card.

This is what you should do next. You need to find someone who has an excellent credit score. The best place to start is with your family members, be it your parents, your siblings or cousins, are you honest or You can ask an uncle or someone close to you, but usually mixing friendships with money never ends too well, so What you need to know is if they have an excellent credit score, i.e. above 760, or a credit card that they have had for more than a few years, the longer the better, so let's say you have an Uncle Don and he has tried the Freedom Card for five years, what you have to do is ask them if they can add you as authorized. user, whether notWhether you have credit or bad credit, this is how you should approach it, ask your Uncle Don if he can add you as an authorized user, but you won't have access to that credit card.

This is the safest and fastest way to do it dramatically. increase your credit score The reason this works is that if your Uncle Don has a very high credit score, it basically takes his credit score and integrates it with yours for a dramatic double by telling your Uncle Don that You will not have access to that credit. card, this will give them peace of mind that you won't ruin their credit and spend it on a bunch of random things, of course this probably isn't ideal if you want to have a credit card that you can actually use, but this is the perfect way to improve your credit score in the shortest time possible.

In the meantime, I want to check your credit score, either from a credit app or from your bank's website, just to see if there is any effect on your credit score once you get a crash course. I quite like 650, this is when I'll start applying for basic no annual fee rewards credit cards, such as Bank of America Cash Rewards, Chase Freedom, or a regular Discover it card, so this is basically your last resort if it is not. You can get any of the cards on your own. If any of these cards and tips I mentioned don't help you get a secured card or one of those starter cards, then your credit needs a different approach if you've had a recent bankruptcy.

It is going to be very difficult to get any type of credit and if you are under 18 you will not be approved unless they add you as an authorized user and also if you have no income no credit card issuer will give you a line of credit Guys, so that's enough for me, make sure you give this video a like because that really helps support the channel. Subscribe. Want to learn more about credit cards or just personal finance in general. Come spend some time with me about videos here.