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In this interview with @Ralphmeansbiz, we uncover what CHASE BANK representatives don't like seeing when people apply for multiple credit cards! Ralph reveals how he intentionally dropped his credit score from 788 to 647, shares credit card strategies that could BACKFIRE, and explains why banks may DENY you even with good credit. Discover how to build stronger banking relationships, avoid costly mistakes, and leverage business credit the RIGHT way!
#ChaseBank #CreditCards #BusinessCredit
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📚 Chapters:
00:00 Intro and the intentional credit score drop
01:47 Why Ralph chose to tank his score on purpose
02:29 $20K mentorship on personal credit and the utilization hit
04:11 Investing in yourself vs college and segue to real estate
06:02 Using business credit to fund real estate rehabs at 0% APR
08:44 Treating rentals like a business and keeping spend off personal
10:40 Top cards for business growth Amex Blue Business Plus, Chase Ink, Bilt
13:15 Cards to avoid or outgrow Capital One and Discover
16:18 Chase essentials reporting glitch, relationship banking, and multi-card strategy
20:44 Amex Platinum when the $895 fee is actually worth it
25:18 Denied with a good score profile factors, relationships, and reapply timing
29:05 Navy Federal great for building personal, limited for business rewards
32:40 Transfer partners 101 turning points into flights and hotels
35:19 Winning the credit game use benefits, avoid interest, pay in full
36:09 Closing thoughts and final advice
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Disclaimer:
The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Calvin Russell is not a financial advisor. This video is for entertainment and educational purposes only, it is not financial advice.
This page contains affiliate links, meaning that I may earn a commission if you click through these links and sign up or buy the product or service mentioned.