Sam Correia

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

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

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.

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.

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?

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?

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.

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.

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 little things like that.

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.

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.

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?