Uploaded August 2024 | Updated September 2026, 2 weeks ago
My first credit card my limit was about $1000 dollars, then after watching some videos and taking coursing on credit, I got about 13 credit cards and got access to a little over 70k in credit before I turned 23 years, I think it was. I had pending limit increase of companies offering me 3x my current limit.
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1. I Did these three things
- Responsible for current Debt
- Accepted Offers
- Then I asked for what I want
The goal is simple:
- Become picture-perfect of the profile customers that they want
- It's not that complicated
- It's like when you like someone and you try to do things to please them
2. Responsible with the Current Debt
- My goal was to use credit to make me more money
- So I would be very responsible with the credit I was giving
- I did not borrow more than I could afford to pay off that same month and I always paid on time and never paid any interest
The idea is this:
- If someone borrows money from you and is paying you on time
- Are you going to give them more money
- Most likely yes
Result in doing this:
- My credit score went up as high as 811
- When this happens
- You become like a blond girl in a bar, everyone wants to talk to you
- So you have options
Ps. The only way to maintain credit is to constantly be in debt
3. Accepted Offers
- I applied for some credit cards I really wanted
- But the majority of my credit cards were offers that I got
- And for me personally, that made sense (because the offer was to get a lot of cash and pay no interest for 18 months and I wanted that )
However:
- If your goal is to increase your limit on select cards, then you may want to be more selective with the companies you apply to
- Don’t apply and hope, you apply and know that if they don’t accept you then it’s a mistake on their end
Credit profile:
- Good credit score
- Good income
- You spend money
- Not desperate ( credit utility shows this )
Think about this:
- Guy is applying for a credit card, so he needs it, you look at his credit and he borrowed a ton of money and still hasn’t paid it
- Look desperate
- But let's say I apply to Chase Sapphire which I got preapproved for and offered, and I have good credit and don’t owe a lot of money
- More likely to approve
Ps. These offers we often get, are like hooks, if you're not careful you may get caught
4. I ask
- I applied to Discover and got rejected and I called in and asked what happened
- They asked me a few questions and boom they accepted me
Here is the idea when asking and the reason you give
- I want to see if I qualify for a higher limit
- Because I have other credit cards with higher limits ( comparing )
- Depositing cash and having the money there ( trust )
- I plan on going on vacation in the future and want access to more cash ( opportunity )
- Then I think I’ll be looking into other credit cards ( fear and threat )
5. Why I don’t play this game
- I decided to be debt-free
- I decided I didn’t want to play a game where risk could be me losing everything
- I was spending a lot of money ( even though it was money I would have spent anyways – I think that’s a lie we tell ourselves )
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Disclosure & Educational Disclaimer:
Some links in this video may be affiliate links, and I may earn a commission. Content is educational and accurate as of posting; offers may change. I’m an accountant but not your accountant; always consult your own accountant/CPA or financial advisor. No income or results are guaranteed.
My first credit card my limit was about $1000 dollars, then after watching some videos and taking coursing on credit, I got about 13 credit cards and got access to a little over 70k in credit before I turned 23 years, I think it was. I had pending limit increase of companies offering me 3x my current limit.
💲Patreon Exclusive💲
patreon.com/tommybryson
😎Call Me😎: bit.ly/30IBr0i
😎Second Channel😎: bit.ly/3c4sVPS
👨🏽💻Financial Freedom Course👨🏽💻$100 OFF CODE: LONGTERM
Link: longtermteam.teachable.com/p/financial-freedom-steps-from-nothing-to-freedom
1. I Did these three things
- Responsible for current Debt
- Accepted Offers
- Then I asked for what I want
The goal is simple:
- Become picture-perfect of the profile customers that they want
- It's not that complicated
- It's like when you like someone and you try to do things to please them
2. Responsible with the Current Debt
- My goal was to use credit to make me more money
- So I would be very responsible with the credit I was giving
- I did not borrow more than I could afford to pay off that same month and I always paid on time and never paid any interest
The idea is this:
- If someone borrows money from you and is paying you on time
- Are you going to give them more money
- Most likely yes
Result in doing this:
- My credit score went up as high as 811
- When this happens
- You become like a blond girl in a bar, everyone wants to talk to you
- So you have options
Ps. The only way to maintain credit is to constantly be in debt
3. Accepted Offers
- I applied for some credit cards I really wanted
- But the majority of my credit cards were offers that I got
- And for me personally, that made sense (because the offer was to get a lot of cash and pay no interest for 18 months and I wanted that )
However:
- If your goal is to increase your limit on select cards, then you may want to be more selective with the companies you apply to
- Don’t apply and hope, you apply and know that if they don’t accept you then it’s a mistake on their end
Credit profile:
- Good credit score
- Good income
- You spend money
- Not desperate ( credit utility shows this )
Think about this:
- Guy is applying for a credit card, so he needs it, you look at his credit and he borrowed a ton of money and still hasn’t paid it
- Look desperate
- But let's say I apply to Chase Sapphire which I got preapproved for and offered, and I have good credit and don’t owe a lot of money
- More likely to approve
Ps. These offers we often get, are like hooks, if you're not careful you may get caught
4. I ask
- I applied to Discover and got rejected and I called in and asked what happened
- They asked me a few questions and boom they accepted me
Here is the idea when asking and the reason you give
- I want to see if I qualify for a higher limit
- Because I have other credit cards with higher limits ( comparing )
- Depositing cash and having the money there ( trust )
- I plan on going on vacation in the future and want access to more cash ( opportunity )
- Then I think I’ll be looking into other credit cards ( fear and threat )
5. Why I don’t play this game
- I decided to be debt-free
- I decided I didn’t want to play a game where risk could be me losing everything
- I was spending a lot of money ( even though it was money I would have spent anyways – I think that’s a lie we tell ourselves )
* PRO TIP*
INFORMATION IS EVERYTHING
💲Patreon Exclusive💲
patreon.com/tommybryson
👕Merch👕
teespring.com/stores/tommybryson
✅2 FREE AUDIOBOOKS✅
amzn.to/2Enayo8¬¬¬
🎁ACORN FREE $5🎁
Link: acorns.com/invite/38EYSU
⚡FREE KINDLE UNLIMITED⚡ (traditional reading)
Link: amzn.to/2VGbxt9
👨🏽💻DISCORD PRIVATE GROUP👨🏽💻
discord.gg/EcZEHpA
My Camera Gear: amazon.com/shop/tommybryson
✔ Help Us Reach 600,000 Subscribers: goo.gl/0wvm6w
😎All My Social Media😎
Link: https://linktr.ee/tommybryson ---
Disclosure & Educational Disclaimer:
Some links in this video may be affiliate links, and I may earn a commission. Content is educational and accurate as of posting; offers may change. I’m an accountant but not your accountant; always consult your own accountant/CPA or financial advisor. No income or results are guaranteed.
