Sam Correia

speaker

112 appearances 1 recordings 1 series first heard May 2025 last heard May 2025

Sam Correia’s voice in public audio — every appearance, attributed to the second.

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The Level Up Podcast w/ Paul Alex · How to buy a Rolex with Credit Card Points In 2025 · 17 May 2025 podcast

So top three reasons, it's the biggest reason, which baffles me every day, is when I tell them the game plan and they do a part of the game plan. Got it. So they'll pick and choose. They're like, oh, I'm going to go for an Amex really quick. And then they come, hey, I got an Amex just so you know. I'm like... You ruined it because Chase has a 524 rule. And now we're stuck in a jam.

I can't get you no more funding. Oh, why? I'm like, because Amex was fourth in line. I just gave you the game plan for full transparency. So you're not seeing inquiries like, oh, why'd I get this? You know what we're doing. That's a big reason, it's like, if you're hiring us for funding, let us do the funding. So believe it or not, that happens quite a bit, which is still baffling to me, right?

But that's one of the biggest reasons. Another thing is gonna be cars. Everybody, they're eager, they wanna buy a car. I'm like, delayed gratification. Let's get you funding first, get you the car. Hey, Sam, guess what? I got a car, though. I'm like, dude, which car? This one. That's not even the one you wanted. We could have went for the one you wanted after the funding.

So little things like that, they make a huge difference because new credit, banks hate. They hate new credit. So there's something called setting up for funding. Hence, a perfect example, I run a funding company, but I haven't done funding for myself in over eight months. But in June, why not May? Why not right now in April?

In June, I'm doing funding for me, a little bit on my personal side, and more on my business. Because I'm setting myself up for funding in June for best qualifications and scenarios.

Yeah, so that's a thing.

Absolutely. So...

increase after six months they're there but they don't hurt you as much but we rather have them a year old so like anything from you know April of 2024 right that's fine so I'm waiting for that to happen right so less increase utilizing my cards strategically one thing that I like to do is max out my cards every month pay them off max out pay them off that shows the bank that it's not enough

Like Bank of America. People watching this will probably know. I don't know what's wrong with them, but Bank of America, you could have 80 grand on one card at Chase and 150,000 at Amex, they'll give you 5,000. You could have a business with them generating 200, 300,000 a year and they see that, they'll give you five grand. So they're notorious.

So I'll max out that five grand every single month setting up. So what's gonna happen in June? I'm gonna go to Bank of America. It's been nine months of maxing out 5K and paying it off. Guys, maxing out sometimes twice a month, 10, this is a pain. I'm wasting time having to pay off my card, waiting for available credit to reuse. You know what I mean?

I'm setting myself up for June, most likely about a 90% chance they're going to up the five to about 15 or 20. Interest free. Yeah. You see what I mean? Yeah. So little things like that, right? A year goes by, your interest free is about to expire. There's a way to do a retention offer. There's a way to extend it for another year, six months, a way to move your credit lines.

So little things like that.

So... One of the biggest things is retention offer, right? So it doesn't always work, but the second scenario always works. But the first one is you always want to try the retention offer, right? You're going to let them know, hey, I've loved this card as you can see, so you've used a lot of it. You want to use as much as you can. And, you know, I always pay it off.

I love the card, but it's not going to work for me. It's not interest-free anymore. What they'll do to retain you because you're going to threaten them that you're going to close it. without saying you're gonna close it. But they're gonna get the gist of it, right? So what they're gonna do is they're gonna most likely extend you six months. Sometimes you get lucky a little bit longer, right?

It's happened before. Another way you do it, which is a little bit more tedious, but it works, is you could keep revolving this Three, four, five years is, let's use Chase as an example, interest-free for 12 months, you get another LLC, and you apply for that one before your 12 month mark. Now you have a new 12 month, right? That credit limit you have here, you can move it over.

So now you have a bigger limit on a card, interest-free for another 12 months.

That's the more tedious part. So it's like, you know, for entrepreneurs, you know, when you're an entrepreneur, you know, one LLC is not enough for many, many reasons. You know, trust account, S-Corps, LLCs, you want to have that. Even if you're not using them, they benefit you in many different ways, right? Number one, funding, right? I could do funding for Next Level Funding.

I could do funding for Prestige Pulse Agency, all my other companies, Next Level Ventures, which is our real estate that we have. So I'm able to move everything in a strategic way. You know what I mean?

We do. So out of every 500 leads we get, believe it or not, about 450 are credit repair. Wow. They say they're not, but it's like they are.

Late payments.

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