5 Credit Cards To Get Without Using Your SSN

[Music] [Music] um welcome to the credit game my name is mike thank you guys for being part of our channel thank you for being here thank you for all your thumbs up all your subscribes thank you for being part of the largest credit channel in the history and the fastest growing one at that it's all because of you sharing your my videos um and again doing your your uh your thumbs up and making sure that you leave a comment good bad or indifferent we appreciate everybody that's on here it's the only credit channel that we do multiple times a day not just once a day we don't just like come to you once a day we want to say hey we want you to learn credit so well and that's why i come to you every day and that's why i come to you twice a day sometimes even three times a day you guys will see videos because i know how to promote promote and promote because i know if i promote you guys are going to be listening now one of the most important things before we get started is if you would take a second there is a bill i would like for you guys to turn on your bell notification if you would just take a second if you see in the top right corner's little bell click that and then it's going to bring a little drop down box i want you to select the word that says all and the reason for that is because if you're not watching the videos if you're not getting notified when the videos are coming in how do you know when i'm doing them so i want to make sure that when the videos come in you guys are getting notified you're on the video you're watching it and you're learning everything you need because i'm keeping all of our videos topics up to date and things that are relevant to what our clients are asking my videos are not based on things i make up they're based on what our clients need and want from me to do a video on so today i want to talk about business credit and personal credit the combination and really what is going to help each and every one of you guys really put in perspective of how you can change your life uh by using the business side of things as well so the first thing i want to share with you is this business credit personal credit two separate entities if you don't have a business it is very simple guys just get onto your government website and sign up to be an llc this takes approximately 15 minutes okay it's gonna ask you some basic questions create a business name right maybe it's rockstar llc whatever just check it it'll say if it's available or not if it's available in the state of florida we have what they call sunbiz.org it's 137 and then within a few days you are a legal business if you've ever sold lemonade back when you're a kid you're a business if you have ever uh sold your mom that you wanted candy at um the supermarket you are a business remember you are a business you don't necessarily have to own a business that is profitable from the standpoint of capital to be a business that being said everybody could be a business owner so go on to your local government website find out what it is in your state pay the little fee get yourself a business because here's why you can start building the business credit and essentially getting business credit cards the one greatest tip that i'm going to give you today and i was going to wait to the end is this business credit cards will give you higher limits than personal business credit cards do higher limits because they trust in a business more than a person because it's a business so if you've set yourself up an llc get yourself a business credit card build your way up to getting and i'm gonna share with you some of the things you can do but build yourself up to start getting business credit cards i have a couple business credit cards that are very high limits some are six figures some are unlimited okay but i want you guys to know that if you just stop focusing this on the personal credit cards for a minute and do what i'm telling you you can actually expand to get more credit cards today i have 43 credit cards 17 of those are from my business okay and i'm going to share with you some of the things that you can do what i did to build my business credit fast and then was able to get business credit cards and then build off of those one cool thing about business that i want to note is that it's not going to affect your utilization on your personal which is one of the best and strongest things by having your business set up is that when you get business credit cards you can use the business credit cards and your score does not change at all on the personal side because the business side of things does not affect the personal side because it's not reporting a personal you can literally max out if you wanted to the whole business credit card i could take my american express platinum card my gold max that bad boy out put 50 000 on it and my credit score my personal side doesn't move one point now that's cool okay so on top of all the other benefits okay late payments you don't get late payments on business after after 180 days they'll put a late payment on personal every 31 days so what are some things that we can do immediately to build business well the first thing i already told you start your llc then you're going to get a thing called the articles of organization that's going to come to you via email takes about five to seven days once you get that paperwork in your email you're gonna take that to the bank and you're gonna go to a regular bank could be bank america we could chase could be citibank could be td bank could be your local credit union navy federal pen fed open up a business checking account all you have to bring in is your driver's license your ein number which as soon as your articles of organization comes in you guys are going to watch it want to watch this video 50 times as soon as your articles or organization comes in and you can even do it before that is apply for a e i n number it's a nine digit number that is used for taxes on the business side of things where your social is used for your taxes on your personal credit so get yourself an ein number it's free okay irs.gov to where you can get your ein number absolutely free doesn't cost you pain takes about 15 minutes as well first step sign up in the state of florida 137 dollars you get an entity go to sunbiz.org boom boom boom fill it out great create your name takes 15 minutes boom about five to seven days right now because the code it's a little slower five to seven days later they're going to send you articles organization into your email once you have that then i want you to go to irs.gov and apply for your ein number it is absolutely free now you have ammo because what you have is your ein number you have your articles organization form and your email now you can take that with your driver's license go to a bank account any bank like i said any major bank or any credit union walk in open up a business checking account now you're on fire okay because now you're a legal business from there okay here's what you need to do the first couple things you want to do is what you want to call the net 30s okay so a net 30 account is basically like a business account you can go granger you can go uline you can go staples you can go um you can use office max home depot lowe's these are accounts that you'll open up and essentially what they're doing is they're trusting you by giving you a line of credit that you don't owe for 30 days after you use it it's called a net 30. i want you guys to at least have three of those on your so take the ones i just mentioned and i want you to get those onto your business so what you're doing is you're saying you're going to uline.com boom fill it out fill out your information it's going to ask for your ein some of the information about your business okay it is going to report to your ein number it is not going to report to your social okay you can check your business credit at any time by going to nav.com that's nav.com where you can check your business credit okay obviously in the beginning if you just opened up a business you don't need to check it but maybe 60 days later after you're doing what i had to share with you you can actually check your business credit business credit is based on your paydex score you want a paid x score between 80 and 100. to keep your paydex score high here's what you need to do make your payments on time okay remember they give you 180 days before they put a late payment on your business credit there's no such thing as utilization when it comes to business okay and so the more likely that you are to make your payments on time through your business the higher your paydex score goes it's ranked from zero to 100 you want between 80 and 100 and you can start getting some real business cards really like the amex cards right your capital one inc uh your chasing excuse me your capital one spark card there's all kinds of different citibank has a bunch of different credit cards these are the cards you want for your business that you can use guess what here's the cool thing just because it's a business credit card doesn't mean you need to use it for business you can use it anywhere let's say you wanted to go shopping and you wanted to go christmas shopping do you think that you couldn't use your business credit card to go shopping of course you could but guess what it's not going to affect your personal credit at all so i highly recommend and implore you guys to start a business start using the things i just shared with you to do after you get your net 30s reported to your business credit now we're going to go into business gas cards okay so i brought my my little notes in here because there's a lot of details but i want to share something with you guys on some of the business gas cards that you can get okay one of the ones you can get is called arco business solutions gas card here's the cool thing it's a mastercard you don't even have to use the thing at the gas station you can use anywhere anything that has a visa or mastercard logo you can use to go to grocery shopping buy a pair of shoes whatever whatever it is you're trying to do okay mother's day whatever you can use it anywhere has a visa mastercard logo on it it can be used anywhere in the united states okay so arco a rco business another one is called bp okay bp uh business solutions and guys you're getting these cards we're talking about are giving you like six points uh per gallon right six points like here arko is 15 cents off per gallon 15 cents off per gallon when you use the card awesome reports to your dmb experian and equifax the bp reports the dmb and experian as well it's six cents off per gallon um now the ones i just mentioned to you also have store cards as well where you can only use them there okay if you are getting a business credit card that is going to be a visa or mastercard they will need a pg which is a personal guarantor that means they're gonna pull your social security number for you to be able to get the credit card okay so if your credit's not strong you're gonna get like a basic store card same thing like lowe's it's a store card walmart has two they have the regular card okay if your credit's weak you're gonna get the regular card you can only use a walmart walmart also has a mastercard so you can use it anywhere and walmart that means that you've you've been approved for a higher uh quality tier where you can actually use them everywhere not just the store okay best buy is backed by citibank they have the store card you can only use the best buy but they also have the visa card that best buy visa card you can use it anywhere okay how about uh a to b fuel card visa card now they claim no pg reports to dmb and no fees okay and then lastly there's a card called wex okay w e x fleet that's a dmb card um accepted at 95 percent of gas stations um phenomenal right and uh let me mention one more of these net 30s you can actually put on as well it's called the uh national tire and battery card that's also a net 30 discount tires maintenance we have a lot of truck drivers that are students of ours or people looking to get into trucking or people looking to start a trucking company this is certainly a card that you would like to get it's called a national tire and battery okay so if you're driving a lot or you're thinking about starting a trucking company you certainly want to get gas cards for people that are like look i'm just trying to build some business credit yeah maybe get one i actually started with a the first credit card i ever had was called a chevron texaco card they gave me a 300 limit i could only use it there at this at the gas station but it was a way for me to build business uh build personal credit i got that for my business as well the chevron card it was the first card i got for my business so you gotta start with business unless your personal guarantor meaning your social is strong enough to where you can bypass the business credit from the gas card section and go straight into regular credit cards so let's say you have a 775 let me be clear let's say you have a 781 or higher because remember a1 credits 781 or higher 781 to 850. your personal credit to the 793. well more than likely because your personal guarantor meaning your socials has a high score you probably don't need to do the gas card you can bypass the gas cards and go straight to american express straight to barclay straight to city bank straight to chase straight to capital one business credit cards instead of going to the gas card section okay navy federal has a phenomenal business credit card um almost every one of my businesses i have the navy federal credit card as well and they also do a line of credit definitely definitely recommend um if you're going to go business get into name fiddle right now navy federal has given money away i want you guys to know that um it's just a phenomenal card right now take advantage of navy federal in a in a good way because they're willing to give money for loans first-time home buyers um literally i mean they got so many different programs that's going to benefit you and to get into naval right now it's very simple tell them that you live with somebody who was in the military or tell them your grandfather was a world war one vet um and that you would like to start a checking account that's how simple it is right now guys okay it used to be very very difficult to get in now they're accepting a lot of people all right so check this out here's another cool thing um once you guys like if you drive a lot if you drive a lot blue cash preferred credit card phenomenal card gives you uh three percent back on uh this is an american express credit card right three percent back on gas zero percent uh zero percent on your uh apr you have a pen fed right pen fed has a credit card right now it's called the pen fed platinum rewards card five points for every dollar of fuel that you spent phenomenal for someone who travels a lot and does a lot of driving okay that's a pen fed by the way pen fed same thing it's a public company anybody can get a pen fed credit card and lastly the sam's club mastercard these three that is mentioned are good for people who travel a lot who would benefit from using gas cards okay if you don't use you don't travel a lot probably don't get those credit cards okay so for people are like starting a trucking company or or just in general they travel a lot i'm gonna do some metro this is called a sam's club mastercard this is also five percent cash back on gas anywhere up to six thousand dollars okay so here's a little metrics for you guys the average american drives 1100 miles per month 1100 miles per month average miles per gallon a car is about 25 miles so when you think about a gallon 25 miles per gallon is an average that you'll get okay average price of gas right now is about three dollars per gallon that means that if the average person drives 1100 miles per month at 25 gallons per uh 25 miles per gallon that would equal 44 gallons per month times that by three dollars for each gallon of gas would mean 132 is the average person spending the gas on a per month times that by 12 that would equal and eighty four dollars is probably what you're spending right now on gas per uh per year fifteen hundred bucks so if you travel more than that then you might be looking at a gas card go back to this video and look at the gas card you're like i travel three times more well then look at some of the gas cards you're getting five points back or check out arco because arco business solutions gas you get 15 cents off per gallon you travel a lot that's the card to get guys i say all that to tell you this right i wrote this note down because i wanted you guys to think about it this way all right uh think about if it's if you've got low personal credit think about you're probably going to get approved for the store cards if you've got better credit personal credit you're going to be able to get not only the store cards but the ones from the stores that actually have a visa or mastercard logo and if you got excellent credit you can bypass store cards altogether and go straight to real credit cards now let me just tell you one thing as well a lot of people don't know this gas cards with visa logos okay they're not going to give you the highest limit okay it's not going to be like an american express or a citibank double cash or a barclays where you're going to get 40 50 000. however for you guys that are just starting out or like you're trying to build credit they are much easier to get than a regular credit card let me give you example citibank is the bank behind best buy they have a visa card the requirements of getting a citibank best buy card are much lower than if you went straight to citibank so if you're like okay cool i'm getting denied for other credit cards from major banks try to go a store card that has a visa logo and that is one of them that uh i would recommend it is called a best buy credit card and they got a visa logo still citibank is the bank behind it but much easier to get than going straight to uh citibank or another major bank to get a credit card guys that's your tip of the day right there all of this is going to require you to have great personal credit remember in life a three-digit number dictates your freedom it dictates what you can do in life it dictates whether you can get the car the credit card the house i know a lot of you guys are looking to get a house there's so many members and students that i talk to they're like i'm i'm ready to buy my first house we had four people in our company in the last 60 days purchased the first house four people in the last 60 days i won't tell you how many people bought a new car so being part of the credit game you guys have to understand this entire system was not built for you it was not built for the public it was built for mike it was built for me when i was at a 515 credit score so anyone who disputes the fact that it works is just being ignorant i went from 515 to 829 using the same system that right now i offer to america so they can change their life as well for themselves and their family it's the same simpsons how did i go from 515 well i documented process it's called documenting the process it's called the journey of documentation i just did it and kept writing it down what do i do here what do i do here but studying 10 000 hours to be the best i could be in a craft of credit learning every nuance and thing in between what do i do here what do i do here let me survey 50 people with the highest credit scores what are you guys doing how are you doing it what are some things i can teach and today we have the credit game everything that i'm talking about today i'm talking to me you guys just happen to be hearing it i want to help you just like i was able to help myself i want to be able to help you change your life because i know the quality of your life is going to increase dramatically when your credit score goes up anybody who tells you different gave up on themselves or has a low credit score anybody who tells you that money won't make you happy or your credit is not going to make you happy to have a high credit score give up on themselves they don't have any money or they have bad credit and the reality is when people give up on themselves you're listening to that stuff because you're surrounding yourself i tell you this all the time right share with me let me know who your five friends are and i'll show you your future tell me your five friends that you hang out with and i will show you what's going to happen in your life why because you become a victim of surroundings if you're hanging out with people that are successful with high credit scores every single day guess what's going to happen what do you think happened to the people my company when they're constantly around me and i'm talking about credit how to raise your credit what to do here and what to hear my team has went from the fives most of them were in the fives today they're in the seventh some of them are over 800 already why because you're surrounding yourself with people that are talking credit telling you what to do and you have a mentor that is in credit it's the same thing with finances you keep hanging around people that are broke you're going to be the next broke person hang out with people that are making money that are successful guess what you'll be the next one because you adapt to your surroundings so you guys that's why i say i'm doing two videos every day i'm spending my time doing the videos every single day so you guys can learn credit but it requires one step past just saying hey i'm watching mike's videos it requires taking action this is great to watch my videos every single day and i appreciate you guys but there's one step past that that goes you know what i've been watching mike's videos for a couple days or a couple weeks or a couple months some of you guys watched me for a couple years and then it's that one step which is known as a phone call that changes your whole life because you go you know if he's putting this content out for free right here's the psychology he's putting this content out for free every single day i can only imagine if i actually invested in myself and paid for something what do you think you're going to get you're going to get the results that everybody on my team's been getting and you're going to get the results that i got that's the difference watching videos is great you guys can learn a lot but there's an action step where you're able to connect with not only this platform and be inside the platform and start getting 75 off a trade line start getting the whole education course that you can watch on your time no time limit that you'll have in your email box forever and you'll have access to the number one credit repair agent in the world number one the fastest credit repair that was ever created done by software not letters you guys have access to that guys just get in the game if you get in the game you'll you'll start to see why my team went from the five to the mid sevens and some of them already over 800 that fast because they took action they watch my videos they're required to watch my videos every day but the next step is to go you know what i'm ready to change my life and now i'm going to make a phone call to mike and his team because i'm ready to see results guys i'm telling you this is a game changer we have over 500 five-star reviews of people that said you know what i'm ready i'm ready to change my life i'm sick and tired how sick and tired of you of having bad credit you know what bad credit does it stops you from doing everything literally everything is cash yeah credit's not important until you go to buy a car credit's not important until you go to buy your first house credit's not important until you want a credit card then it becomes important how about stepping ahead of the curve and say you know what i'm going to be proactive instead of reactive so when i go do my things that i'm looking to do my credit is in place and i'll have to sweat it and then wait months you see if you try to credit yourself 18 to 24 months you use a a repair company generally anywhere between 12 and 18 months because it's a monthly fee they don't tell you how long you're going to be on they just tell you it's going to be 150 a month but what the credit game does is takes you from point a where you're at today all the way through the process even to funding so we take you from where you're at your credit repair gets done by the vendor you start putting on your positives because you're getting 75 off age trade lines then we help you with getting a funding source so you can get a zero percent credit card from 5 000 all the way to 71 000 and i've partnered with car dealerships and home dealer mortgage brokers so you guys can actually get the best rates on vehicles and on getting your first house or maybe a rental house first step is taking is going like this i'm ready to change my life i've made decision i don't want bad credit anymore my family deserves better if you or your family deserves better call me right now and i'll change your life 904-420-7772 my name is mike from the credit game this is what you need to do get your business started as well i want to help you with that and help you build your business credit up so you can start getting some business credit cards as well i'll talk to you in a few minutes let's [Music] rock

Channel: The Credit Game

Views: 78,978

Rating: 4.9384508 out of 5

Keywords: 5 Credit Cards To Get Without Using Your SSN, business credit cards, how to get credit cards without using your social security number, gas cards for business credit, how to build business credit in 2021, bp gas card, bp business solutions, arco business solutions, atob gas card, business vendors that report, paydex, how to boost business credit scores, best gas cards, credit cards that report to business, how to get business credit cards, build business credit, credit game

Id: D-APd8d1-zM

Length: 25min 39sec (1539 seconds)

Published: Mon May 10 2021