How To Get Approved For Any Credit Card

it is called the reconsideration line [Music] alright guys welcome to trade line TV today I have got something really special for each and every one of you guys for watching I appreciate it or the only credit channel that does this every day not just once a week like the boring other companies every single day Monday through Friday I come to you to bring you the credit game the inspiration what do I do when to do it how to do it when you need to do it you better know what you're doing if you haven't subscribed yet there's a little red button over here please it means a lot to us to give us a thumbs up and hit that subscribe button the more viewers we have the more people we can help our goal is to help 8 million people in this earth we will do it that being said today's topic is an absolute game changer ok I have helped not exaggerating 12,000 15,000 people with this one nugget okay so when I bring out gems I'm bringing them out but this one here is going to help you guys get more credit cards that being said the topic is how to get approved for any credit card regardless of your credit score credit worthiness how many accounts you have how often how many enquiries there is going to be one trick that you guys can do that will help out a lot in terms of consideration it is called the reconsideration line here's why did you do when you apply for credit cards okay do you guys know when you apply for credit cards whether it's over the phone whether you do it online generally speaking most credit card companies will say this ok mr. Jones we appreciate your your offer we will get back to you in about 7 days with our decision ok sometimes you get an instant approval most of the time they need to check they need an underwriter look at it guy it is a credit card company that has metrics so like when you apply right notice when you apply for a credit card okay there's guidelines that were put in by humans to say either declined or accepted as an approved okay but in the event that they say either declined or they say hey we need 7 days and we will send you something in writing now what you think is that when they send that to you that you're toast but most credit card companies are going that way so here is one tip with four little sub tips that I need you guys to to really buckle down and watch this video because this right here has helped thousands of families personally I've helped thousands of families do this one trick it is called the reconsideration line and what I want you to understand is that when you have that situation when you apply for a credit card and they say to you hey we need a week or we need you know 7 to 10 days whatever the case is I immediately want you to contact the bank I want you to get ahead of the curve not behind the curve I want you to be proactive not reactive meaning you're gonna call the bank and you're gonna say listen here's the step first thing you need to know is you better learn how to build rapport if you don't I'm gonna give you some tips how to build rapport remember that these companies are getting calls like crazy from negative people this happened if charges on here can you remove this charge can you do this can you fix my interest rate can you move my late payment but here's what you need to do very very important build rapport and some of the things I do when I call if I'm calling a reconsideration line okay they tell me 7 to 10 days I don't wait this 7 to 10 days I pick up the phone and I say hey most of the people are gonna be right South Asia that's typically your demographic from that standpoint you're gonna be real nice to them how's the weather how's your family what area are you in you're gonna make real small talk real powerful the more rapport you can build to get somebody away from being negative the better shot you're gonna out of this how persuasive can you be okay we're going to about their family we're gonna talk about their kids we're gonna talk about the country they're in we're gonna talk about the weather we're gonna really really really make them feel like you care okay and you better care because it's the consideration of your credit card or not so you can ask those questions okay build a lot of rapport first that's gonna be trick that's number one subtopic that I want to talk about today is get yourself familiar with building great rapport with this person when you call okay the second thing do you want to do is you want to know the cards benefits before calling okay cash back is it a rewards card is it a card with low interest is it a card with 0% interest for 12 months no the card very well before calling in I'm gonna tell you I if you call and you know the card you can say things like this after you built rapport then you're gonna go into step number two listen I am looking to redo my kitchen this is the best card for redoing my kitchen I want to get stainless steel kitchen I can't want to get granite countertops I want to do my floor and you guys have the absolute best interest rate in fact it's a zero percent interest rate for the next 12 months so instead of putting on one of my other cards I really like your cards I really really want to start this relationship with you guys would you please reconsider the application I know it said seven to ten days or I know it said declined but what you get to do when you call in by knowing the card and building rapport if you're having a human look at your credit card application not just a computer the computer may spit out a denial or may spit out at seven to ten day window because it doesn't like some things that it says when you get them on the phone you can do a reconsideration over the phone and a lot of the times again building a rapport first and knowing exactly what the benefits of the car that you're applying for before calling your you're way ahead of the curve now you call them up and you're like you got a great rapport with this person and now you're saying hey I'm wanting to redo my kitchen you guys got the best interest they think that you know what you're talking about and your consideration goes up significantly okay tip number three is you always want to be looking at spending money not receiving money so let you know how these cards have like cashback or bonus signups and all of this you don't want to call up and say you know hey man I'm looking for you know check out my credit report you know she what you guys can do man I know you guys did a hundred dollars when I sign up thing you know I mean can you get me up can you get me a proof like that's not gonna work okay I know exaggerate a little bit but build rapport know exactly the kind of car that you're using it for and the benefits of that card to what you're trying to do okay do that first then you'll know the benefits right so that's so that's some tips right there that you're gonna want to know those couple things to start with now number three is you always want to look to spend money so when I say spend money instead of received money is instead of saying it like that where you're trying to get money back from them you want to make it like you're about to put a lot of money on the credit card okay so for example I'm looking to do my kitchen or I'm looking to go on vacation vacation is not a great one all right but I'm looking to redo my kitchen I'm looking to start a business I'm looking to you know I got a bunch of family coming in and you know we're throwing this huge party for a graduation or wedding something like this and I'm I've really like your card because it offers X X X okay but if they feel like you're about to put money on the card think about this psychologically what do you think they're thinking wow this guy's about to spend money on the card okay what does that mean for the bank the more money you spend on a credit card is that better or worse for the bank better for the bank why because it's more interesting okay so the perception to spend money you're telling them you're about to put a big balance on it so they can say oh make sense give the guy a shot you know we're about to put fifteen thousand dollars on this car we're about to put ten thousand our card oh my god right they they like that okay now tip number four is if you already have a credit card from the same Bank you can actually go apply for the same Bank again use all three tips I just shared with you and let's just say you have a chase card and maybe you're going for a chase freedom card for the second card you already have chase you already got a relationship with them and you want another credit card you applied for it they gave you a seven-day window or they said denied you call them up you get a reconsideration you're like how you build rapport boom you're feeling really good you've got you know all your benefits you know where the money's going you're like hey I want to spend a lot of money would you reconsider me for this other chase card as I already have one with you it increases your chances by using the same card dramatically instead of going you know to a discover from a chase right so think about that using the same card if you already have it on your file it makes sense to go with the same credit card again now in a lot of cases if they don't want to extend more credit what you can do is you can ask them to open up that line of credit and to move the credit limit over to the next card now I don't recommend closing the first card but what you can do is say look I've got you know X amount of dollars open over here would you consider opening up this freedom card and moving over you know three $5,000 whatever the cases of open credit over here they can open up the new car without extending any more credit and you end up with two credit cards that you can start raising credit limits on step one okay so you can always move the credit limit over to another card they'll open up that credit card if in the event that if you went through all these steps and they still did not want to open up another card you can always go that route as well then you'll have two cards from the same company okay now here is a tip because I always leave you guys with tips here's a tip if the report and you'll notice right off the RIP if the report is not going good step number one hang up the phone say look I gotta go I'm sorry I gotta go got another call call right back and get the consideration line get somebody on the phone that will reconsider the application and start the process over the reason I say that is because if you miss step number one and the rapport is not there the chances of them reconsidering it are gonna be very low hang up the phone restart again in fact you'll be a much better the second time because you just went through it so think about that recall again now if you don't have any credit cards here's another tip I always want to leave you guys with a couple tips right if you don't have any credit cards at all and this is your first credit card let's say that you're calling up discover okay call up discover and I recommend as a first card that discover IT is actually a really really good card for starting credit okay but maybe you got denied or maybe they said seven to ten days you call them up you do your reconsideration you go through all the tips I'll just share with you and then you say look I want to start building credit and I really really like your benefits and I like your interest rate and I would love to have the relationship with you guys to start my new credit I've never had a credit card I'm looking to be to my first credit card I've got you know great job yada yada yada here's the key what they are thinking instead of you going to American Express or are you going to another bank they're thinking they have a long term relationship with you so they would rather have that with you that you go to another company because they're looking at the long term no credit cards Discover I t's a great starting card or Capital One platinum cards another great starting card that being said just remember let them know you'll love the benefits you want to start this business relationship with them you want to start building your credit with this company and this company only always go through one steps one through four and we'll leave you guys with that go back to this videos many times you need but make sure you have it down pat this will dramatically increase your chances of getting credit card approvals and also being ahead of the curve when they give you that 7 day window thank you guys for watching tree line TV my name is Micah and until tomorrow take care [Music] [Music] you

Channel: The Credit Game

Views: 357,461

Rating: 4.8129907 out of 5

Keywords: how to get approved for any credit card, how to get approved for more credit cards, get approved for more credit cards, credit card, credit card tips, credit card hacks, credit card tricks, how to boost my credit score, how to boost my credit score fast, get more credit cards, use credit cards to create wealth, how to play the credit game, reconsideration line, tradelinetv, wholesale tradelines

Id: Bj2hiRtEPHU

Length: 13min 48sec (828 seconds)

Published: Wed Aug 07 2019