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Video Summary:

In this video, I discuss the pros and cons of two credit cards: the Discover It Card and the American Express Blue Cash Everyday Card. The Discover It Card offers 18 months of zero interest on balance transfers and 6 months of zero interest on purchases. The average credit score required for this card is around 670. Discover typically pulls your FICO 8 score when considering your application. To increase your chances of getting a higher credit limit, it's important to include your spouse's income and keep your rental payments below 15-20% of your income. If you have other open revolving accounts, it's recommended to pay them down or consider alternative lenders like Up Rover or Andy Land.

On the other hand, the American Express Blue Cash Everyday Card offers 15 months of zero interest on purchases and balance transfers. The average credit score required for this card is around 660. American Express may do a pre-qualification check before a hard pull on your credit report. Once you have an American Express card, you can apply for other cards without a hard inquiry. Additionally, American Express business credit cards do not report on personal credit.

Overall, I recommend the American Express card for its potential for higher credit limits, the ability to apply for multiple cards without hard inquiries, and the option to have a business credit card that doesn't impact personal credit. For more information on credit and funding, click the link in the description to schedule a consultation.

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DISCLAIMER:
The content of this YouTube channel is provided for informational purposes only and is not intended to constitute legal advice or financial advice. You should not rely upon any information contained on this YouTube channel for financial advice. Viewing this YouTube channel is not intended to and shall not create an client relationship between you and Houston Mcmiller or Business Credit America, Inc, or any of our associated websites. Messages or other forms of communication that you transmit to this YouTube channel will not create an client relationship and thus information contained in such communications may not be protected as privileged. Neither Houston Mcmiller nor Business Credit America, Inc, or any of our associated websites makes any representation, warranty, or guarantee about the accuracy of the information contained in this YouTube channel or in links to other YouTube channels or websites. This YouTube channel is provided ""as is,"" does not represent that any outcome or result from viewing of this channel. Your use viewing of this YouTube channel is at your own risk. You enjoy this YouTube channel and its contents only for personal, non-commercial purposes. Neither Houston Mcmiller, Business Credit America, Inc, or any of our associated websites, nor anyone acting on their behalf, will be liable under any circumstances for damages of any kind.

Houston Mcmiller, Business Credit America, Inc, or any of our associated websites, may be compensated for the links we share with the public audience.

*QUICK DISCLAIMER: I AM NOT A TAX EXPERT. I AM A RANDOM GUY ON YOUTUBE MAKING VIDEOS IN A SPARE BEDROOM. DON’T LISTEN TO ME. CONSULT A QUALIFIED PROFESSIONAL FOR ANY TAX ADVICE.*"

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