Soft Pull Credit Cards: 5 Best Pre-Approved Credit Cards - YouTube

Welcome everybody back to the radical marketing  YouTube channel where we teach you how to leverage  

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without further ado let's just jump right into  the video. These are five credit card companies  

that you can get a soft pre-qualification for  meaning you can know. If you're gonna be approved  

for these credit cards before you actually  get a hard inquiry on your credit report.  

Okay I've had a lot of people ask me hey do you  know companies that I can reach out to or cards  

that I can see. If I'd be approved for before I  actually apply because the biggest annoyance is  

applying for cards not being approved for them.  When you think that you're gonna be or because  

your favorite youtuber says they're gonna be  and you find out completely different. Okay, so,  

I've done some research I've done some digging.  Um, I've actually had some experience with  

prequals myself and going to the site to  see what cards I'd be pre-qualified for  

and I have gathered five different companies. That  you can work with to get a pre-qualification for  

all right so the first one is gonna be capital  one okay. Now I don't know how many people have  

capital one. If you have capital one put in the  comments below. How your experience is! Okay I had  

the capital one venture card I no longer have  it anymore um but they're really really solid  

about pre-qualifications okay. So, uh, if they say  that you're gonna be pre-qualified for the card.  

You're pretty much gonna be pre-qualified for  the card okay. Uh, the issue that I wanna tell  

you guys that I have ran into with capital one  because you know I'm very transparent on this  

channel. I'll tell you the pros I'll tell you the  cons. I'm actually uh not a capital one affiliate  

or anything like that but I want to let you guys  know uh my experience with capital one. Okay,  

now there's two tiers when I actually got um  approved for capital one I was in my credit repair  

journey. So, I was repairing my credit and I kind  of got classified as high risk or prime lending.  

Okay, I'm no longer that anymore but the issue  was approved for a five thousand dollar limit  

when I got the card and I had the card. I don't  know two years two and a half years and I'd always  

try to get credit limit increases. I was using the  card but for whatever reason I was classified as  

high risk or prime lending and I never got a  credit limit increase bottom line is I ended up  

closing the card and I know that a lot of people  don't want to close cards. But I didn't want a  

bunch of low limit cards in my credit report and  I had a very high limits on my other one. So, I  

said let me just get rid of this because I don't  need it okay. Now, I don't recommend that you  

close credit cards in your credit repair journey  or your credit building journey. Uh, but in my uh  

my situation I was just ticked off a capital one.  I just said hey I divorce you all right so number  

two uh company is going to be discover okay. Now,  discover is very solid like capital one if they  

say that you're gonna be pre-qualified for the  card you're gonna be pre-qualified for the card.  

You don't have to worry about the bait and switch  like a lot of these different companies online  

just trying to have. You see what you qualify  for run your credit and then hey you either  

get approved or you don't get approved okay with  discover that's not the case discover is also very  

good about credit limit increases. Now, I will  tell you this with discover you want to have a  

higher limit I mean a higher score like around a  720. You can get a proof in the low 700s but for  

what I've seen 720 is a good good starting point  sometimes. They do pull from all three credit  

bureaus so be aware of that okay but you don't  want to double check based on when you're watching  

this video or not okay one thing. I do like  about discover um as I have to discover it card  

is they do give credit limit increases.  If you're using the card they will give  

you an increase on the card okay and the one  thing. I can really tell you about discover is  

they have an incredible customer support line.  Okay, they are all based here in America I love  

the world but I love it when it's based here in  America giving America jobs I love that. Okay, no  

matter how you feel that's irrelevant I just love  being able to call somebody talking to somebody in  

phoenix or salt lake wherever the case is but it.  I love discover okay discovers a great card now  

my qualms would discover is they don't really  give high limits at all especially starting off.  

You're gonna get a very very low limit you have  to earn your way up with the with the card. Okay,  

um but they do give credit limit increases and  that's why I've kept the card the app is really  

good. I like the card um the rewards and I'm not a  big fan of that but I really like how they manage  

customer support. They give the increases and if  you do that with me I'm pretty much happy. Okay,  

the third company is gonna be a company that not  everybody can apply for okay well yeah the third  

and the fourth I'm gonna cover them both right.  Now, it's gonna be regions bank and also bbt okay  

both of those are regional banks. Um, so  if you're in that area um you can be um  

you can do business with them. Okay, this is  not nationwide so number three and for bbt  

and regions bank. They're not for everybody but  they are for somebody especially for you texans  

out there regents is right up your alley.  Okay what I love about regions is when you  

apply you're going to know exactly what the  credit limit was that you were approved for  

so before you even move forward with accepting  the credit line and having a hard pull. Okay, so,  

it's a very very nice credit process uh unlike  the other two with capital one and discover  

you they'll you know you'll you'll know if  you're gonna be a qualified with the prequal  

but you won't know what your credit line  will be okay but with regions you will so  

regions you do the prequal. They'll tell you hey  congratulations you're probably five thousand,  

ten thousand, twenty thousand whatever the  case is you're approved for this would you  

like to accept it. Once you accept it  that's when the hard pull happens okay  

big fan of regents. I wish here in nevada  that I could have regions but I can't  

okay but I've heard phenomenal things about  regions and I would check out regions. I'm not too  

familiar with bbt but I've heard a lot of  people talk about that with the prequal  

double check my research on that I would just hate  to give you inaccurate information. You know how  

I'm really tedious about making sure I'm  giving you all the right information here  

at the radical marketer channel. All right make  sure you smash that subscribe button and the like  

button shameless plug right all right and then  the last and final card. Okay many of you guys  

have heard of this some of you guys love this  card some of you guys will hate this card. Okay,  

I'll tell you my opinion about it I saved the best  for last the apple card from Goldman Sachs. Okay  

let me go over this card because I do use it  and I do like it but I like it for reasons I  

also hate it for reasons. Okay the apple card is  Goldman Sachs okay now you have to have an apple  

id to even apply for this card. You don't have  to have an apple device you don't have to be an  

iphone user right. But you have to have an apple  id, now how can you get an apple id well you go  

online google, how to get an apple id and then  you can apply for an apple id it's free. Okay,  

but once you have an apple id then you can apply  from any apple device using that apple id. So,  

your spouse has one your girlfriend your boyfriend  cousin whatever say hey can I borrow your phone  

real quick. You log out of their apple id you  sign into your apple id and then you go apply for  

the the apple card. Okay really cool thing about  this card is it's going to be just like regions  

where it's going to tell you exactly what you're  approved for and do you want to accept the credit  

line. I love that right I think that that's how it  should be okay. Once you apply once you accept the  

credit line you'll instantly have the the uh the  credit line available to you in your apple wallet  

okay and then they'll send you like a metal  titanium looking card that sounds really cool.  

When you drop it and all these youtubers drop the  cards and all that it's cool whatever but you'll  

get that card in the mail now what I love about  the card is this okay um, it has the virtual card  

aspect. So, if you're subscribing to software  online which a lot of you online entrepreneurs  

are whether it's click funnels whether it's you  know promotional upsells and things like that  

you can use your digital virtual card number and  you can change that card number. If you want to  

unsubscribe to these different things so sometimes  it's really hard unsubscribing to different cards  

and services. You can literally just change  your virtual card number within the app  

and then they can't charge your card anymore  right um as far as credit limit increases. Okay  

um, I've had one increase since I've had the card  I've got the card back in late November. Okay,  

right now recording this we're in late uh march.  Okay so that's pretty reasonable um doubled my  

credit limit. Okay I heard a lot of people talk  about the apple hack it hasn't worked for me after  

60 days. Now the one thing that you guys got to  know about the apple card is this an algorithm  

no humans really looking at this card even. If you  call in or you go through the app and you chat in  

it's all an algorithm it's like a bot okay. So,  there's really no credit review things like that  

it's all digitized there with Goldman Sachs okay  now those are the five pre-qual cards okay. So,  

you don't have to go ahead and see am I going to  be approved am I not going to be approved and you  

can save your inquiries. Because those inquiries  are valuable as you are rebuilding credit  

as you are starting your credit journey right  and as you're looking to get high business  

funding okay. Because the last thing banks want  to see is you apply for a ton of cards and say  

hey you just applied for like six to ten cards  within six months what's going on with that.  

Okay, so, check those cards out I'll have the  link in the description below like I said go ahead  

and smash that like button, smash that subscribe  button I'll be releasing a ton of content here uh  

that you don't want to miss out on you guys have  a great day and I appreciate you take care peace.