Credit Repair

Is 756 A Good Credit Score – Why I Stopped Applying For Credit Cards

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Is 756 A Good Credit Score – Whats The Best?

In this video I’m going to break down, should you apply for a credit card right now or should you be staying away temporarily ( because after all, when you apply and you get rejected then you Ding, which lowers your credit score).

Why I Stopped Applying for Credit Cards

1. Here Are all the Red Flags
– As we all know the pandemic put about 36million People on unemployment ( maybe even more by the time you’re watching this video)
– And there are around 191 million Americans with credit cards ( that’s 58% of Americans, more than half of the population)
– But most anyone can get forbearance If they try hard enough by calling ( I called for a video and they said yes don’t worry)

Credit Cards Response:

No Payment Required if Affected or if you call: ( Discover)
– Now this makes sense if you really need the help and the assistance
– It’s better to request for help than to have bad remarks on your credit report
– However, some people are taking advantage of this, and not making payments and still maxing out their cards

Con: When things go back to normal, the interest will be the same ( it’ll cost you money), and if you been maxing out the card then the minimum balance will also be hired. ( also bad because your income won’t increase you might even lose your job. )

Application Changes: Income Check, I’ve heard even tax check
– When I applied for my first credit cards, I think I was 19 or 18
– I was making $1000 at the time, a month
– And I reported I was making 2k or 3k and I got approved with a 3k limit ( no one doubled check my credit score)

However today: credit cards are started to double-check your income and request for prof if it sounds fishy, and they might even request a tax return.

Pro: Basically credit cards can be more careful about who they give credit too, but also means if they keep this up, they’ll have fewer people qualifying. ( unless they give lower limits)

Lowering Limits: to Existing Users and Also New Users
– So if you had a limit of 5k and now all of sudden it went down to 3k, its because they are adjusting the limits to prevent users that may be a high risk into going into massive debt
– Usually, credit cards want you to go into debt so you can pay interest for a long time
– But now the risk is too high, because of the economy and also employment.

This is Proof: That credit cards give you a higher limit even if you don’t qualify for it really, and now they are making adjustments because It might hurt them.

Overall:
– All of these responses I think will be temporary unless it’s the new norm
– However, credit companies are creative so if they cant approve you for a high limit
– They’ll most likely start accepting applications with low limits and then raise your limit.

2. So Should you Apply or Not apply
– the answer it depends on your situations
– and why you want your credit card
– for example

Building Credit Card History:
– apply for a secured card instead ( capital one, discover and open sky if you have really bad credit) are all good options and you’ll have a very good chance of getting accepted with capital one so do that one first.

Just want a Card for the Points or any other reason:
– be truthful about your income
– make sure you’re credit score is good
– and also make sure your credit utilization is also good

: If you already have high credit score balances, and already seem risky, the odds of getting rejected are higher.

Video: https://www.youtube.com/watch?v=SEa22qSQMZQ

3. What I think
– These all just minor adjustments
– And that will either become the new norm or be temporary
– So the key is to make sure to use your credit card correctly.

And:
– I won’t be applying currently
– I’ve already built my credit score to 756
– And all I’m doing now is maintaining it

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*Some of the links and other products that appear on this video are from companies in which Tommy Bryson will earn an affiliate commission or referral bonus. Tommy Bryson is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. I’m an Accountant but I’m not your Accountant, always review information with your Accountant/CPA and your Financial Advisor.

Thanks for watching the Is 756 A Good Credit Score video!

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28 Comments

  1. TommyBryson
    August 1, 2021 at 7:24 am

    Here's what to do if you get rejected by a credit card ( Step By Step)
    Link: https://www.youtube.com/watch?v=SEa22qSQMZQ

  2. Kent Strong Concrete
    August 1, 2021 at 7:24 am

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    contacted our lender who advised us to let them know before the
    interest-only on our loan came to an end, we did this 6 weeks before
    that date and we were advised by the bank that we were given another 2
    months on interest only, but now they have taken full payments for
    interest and principal and said we have to apply for funds to finish our
    home which has now been taken over by another builder, we had contacted
    them and thy want us to pay rent of this mortgage, all due to no fault
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  13. Jarvis Meredith
    August 1, 2021 at 7:25 am

    I had 12 inquiries I would like removed, 3 are from leasing companies for apartments I did not get, and 9 others are from 4 credit card companies that pulled my information twice each that I applied to months ago but just now showed up, I didn't get either card, My credit went from a 740 to a 612 in a matter of a week. I got referred to Goldensurvey. 0RG by few trusted clients and I can say they're the best because all the 12 inquiries got deleted and my score was raised to the 800's ……

  14. Jarvis Meredith
    August 1, 2021 at 7:25 am

    I had 12 inquiries I would like removed, 3 are from leasing companies for apartments I did not get, and 9 others are from 4 credit card companies that pulled my information twice each that I applied to months ago but just now showed up, I didn't get either card, My credit went from a 740 to a 612 in a matter of a week. I got referred to Goldensurvey. 0RG by few trusted clients and I can say they're the best because all the 12 inquiries got deleted and my score was raised to the 800's ……

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  17. Nixon Myrthil
    August 1, 2021 at 7:25 am

    Hey Tom/Tommy my score is @ 725 right, I got a Discover iT card, a Self Lender account, both are are in good standing but I have one inquiry on my credit profile from November of last year when I tried to apply for the Citi Double Cash card but got denied. My question to you is (as of right now) is it safe for me to apply for the following cards
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  18. Cüneyt Kuzu
    August 1, 2021 at 7:25 am

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  19. Cüneyt Kuzu
    August 1, 2021 at 7:25 am

    My spouse is a doyen. We have really done a few good on our credit reports. We have been trying to raise our scores to mid-800 his score is 519 while mine is still in the high 500’s. (I think is 536 currently.) I also have a judgement against me for a credit card. The judgement doesn’t appear anymore on my credit report, I assume because it’s over 6 years old. I’m pretty sure it didn’t just “go away”. All effort to increase my credit score and eliminate all the negative items on my report proved abortive until I saw good remarks of how this credit expert “HENRY” had helped people. Here is his contact markenstech911. com ] . He did a monumental job by helping us raise our credit score to 816 and 804 respectively and removed all the negative items replacing them with beautiful tradelines. Just a couple of days after, we fixed agreement. Thanks am highly indebted Henry

  20. Cüneyt Kuzu
    August 1, 2021 at 7:25 am

    My spouse is a doyen. We have really done a few good on our credit reports. We have been trying to raise our scores to mid-800 his score is 519 while mine is still in the high 500’s. (I think is 536 currently.) I also have a judgement against me for a credit card. The judgement doesn’t appear anymore on my credit report, I assume because it’s over 6 years old. I’m pretty sure it didn’t just “go away”. All effort to increase my credit score and eliminate all the negative items on my report proved abortive until I saw good remarks of how this credit expert “HENRY” had helped people. Here is his contact markenstech911. com ] . He did a monumental job by helping us raise our credit score to 816 and 804 respectively and removed all the negative items replacing them with beautiful tradelines. Just a couple of days after, we fixed agreement. Thanks am highly indebted Henry

  21. Sidney Zighem
    August 1, 2021 at 7:25 am

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  22. Sidney Zighem
    August 1, 2021 at 7:25 am

    Due to a lot of hardships and circumstances beyond my control, my scores were in the ditch. I was served with an eviction after I broke my lease, they swore the information was sent to my current address but I never received the eviction because of being gone from my previous address and never wrote a letter stating why I was moving. I basically moved from house to house to have a roof over me and my family’s head. They stated on each case that I had an eviction although I’ve paid the last due balance. It will literally take way too long for me to try sending 3 letters to the 3 credit bureaus and waiting for the eviction to be removed. However, I decided to dig online for credit repair solution and I came across a review on Quora and Youtube here about Markebnstech911 CLUB LLC and I must admit I was impressed. I quickly contacted him on; Markenstech911▪Org asking if he could help me and how much he would charge. He replied after discussing the process, we moved on and guess what? He removed the eviction, fixed my credit history and raised my score to 800. He deleted the student loans, medical bills and the bankruptcy filled 2017. I eventually bought a home with his help and we are happy, may God bless him.

  23. DEBRA ZEE
    August 1, 2021 at 7:25 am

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  24. DEBRA ZEE
    August 1, 2021 at 7:25 am

    I have about 2500 left on my car loan and credit card is around 6800 because I didn't realize that I was using it for fixing my car (new tires, several inspections, small little fixes) before a got a firestone card. I'm a truck driver and make around 54k a year. So roughly around 3k a month. But now the last 7 checks only have been around 950, so can't pay jack so I reached out to Leo via GOLDENSURVEY.ORG for help, he didn't only clear my debts in auto loan, credit cards and student loans but they also remove all negative items from my reports which makes my credit profile looks perfect , you can text him on +18042510422

  25. 3dabrams5
    August 1, 2021 at 7:25 am

    I filled bankruptcy on a vehicle and when i did they put my motorcycle in with it since i was still paying on it but just found out it still shows on my credit that my motorcycle still has an open account with the finance company and says ive missed payments since last April, but its suppose to be under chapter 13 bankruptcy, I've went through some really tragic moments that damaged my credit but after meeting Golden Survey ( Goldensurvey ⏺org ) , every negative items were deleted along with my BK Chapter 7, this changed my life and I am now in the 800 club with a clean reports and debt free. contact them using their website above for any credit problems. thanks a lot to this team Golden Survey …

  26. 3dabrams5
    August 1, 2021 at 7:25 am

    I filled bankruptcy on a vehicle and when i did they put my motorcycle in with it since i was still paying on it but just found out it still shows on my credit that my motorcycle still has an open account with the finance company and says ive missed payments since last April, but its suppose to be under chapter 13 bankruptcy, I've went through some really tragic moments that damaged my credit but after meeting Golden Survey ( Goldensurvey ⏺org ) , every negative items were deleted along with my BK Chapter 7, this changed my life and I am now in the 800 club with a clean reports and debt free. contact them using their website above for any credit problems. thanks a lot to this team Golden Survey …

  27. 3dabrams5
    August 1, 2021 at 7:25 am

    I filled bankruptcy on a vehicle and when i did they put my motorcycle in with it since i was still paying on it but just found out it still shows on my credit that my motorcycle still has an open account with the finance company and says ive missed payments since last April, but its suppose to be under chapter 13 bankruptcy, I've went through some really tragic moments that damaged my credit but after meeting Golden Survey ( Goldensurvey ⏺org ) , every negative items were deleted along with my BK Chapter 7, this changed my life and I am now in the 800 club with a clean reports and debt free. contact them using their website above for any credit problems. thanks a lot to this team Golden Survey …

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