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.

I have helped, not exaggerating, 12,000-15,000 people with this one nugget.

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, creditworthiness, how many accounts you have, how often, how many inquiries.

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 what I need you to 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, “Okay, Mr. Jones. We appreciate your offer. We will get back to you in about seven days with our decision.”

Sometimes you get instant approval.

Most of the time they need to check, they need an underwriter to look at it, okay.

It is a credit card company that has metrics. So when you apply, notice when you apply for a credit card, there are guidelines that were put in by humans to say either declined or accepted: is it approved?

But in the event that they say either declined or they say, “Hey, we need seven 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 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 7-10 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 going to call the bank, and you’re going to 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 going to give you some tips. How to build rapport.

Remember that these companies are getting calls like crazy from negative people.

This happened, this charge is on here, can you remove this charge, can you do this, can you fix my interest rate, can you move my light 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, they tell me 7-10 days, I don’t wait the 7-10 days. I pick up the phone, and I say, “Hey …” Most of the people are going to be, right, South Asia that’s typically your demographic.

From that standpoint, you’re going to be really nice to them. “How’s the weather? How’s your family? What area are you in?”

You’re going to make real small talk real powerful.

The more rapport you can build to get somebody away from being negative, the better shot you’re going to have at this. How persuasive can you be?

We’re going to talk about their family.

We’re going to talk about their kids.

We’re going to talk about the country they’re in. We’re going to talk about the weather.

We’re going to really, really, really make them feel like you care.

And you better care because it’s the consideration of your credit card or not.

So you can ask those questions.

Build a lot of rapport first.

That’s going to be … 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.

The second thing that you want to do is you want to know the card’s benefits before calling. Cashback. Is it a rewards card?

Is it a card with low interest? Is it a card with 0% interest for 12 months?

Know the card very well before calling, and I’m going to tell you why.

If you call and you know the card, you can say things like this. After you build rapport, then you’re going to 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 a stainless steel kitchen. I kind of want to get granite countertops.

I want to do my floor, and you guys have the absolute best interest rates.

In fact, it’s a 0% interest rate for the next 12 months.”

So instead of putting it 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 7-10 days, or I know it said declined, but what you get to do when you call in, by knowing the card and building rapport is you’re having a human look at your credit card application, not just a computer.

The computer may spit out a denial, or it may spit out a 7-10 day window because it doesn’t like some things that it says.

When you get them on a phone, you can do a reconsideration over the phone, and a lot of the times, again building rapport first and knowing exactly what the benefits of the card that you’re applying for before calling, you’re way ahead of the curve.

Now you call them up, and you’re like you’ve got great rapport with this person, and now you’re saying, “Hey, I’m wanting to redo my kitchen.

You guys have got the best interest.” They think that you know what you’re talking about, and your consideration goes up significantly.

Tip number three is you always want to be looking at spending money, not receiving money.

So like you know how these cards have cash back or bonus signups and all this.

You don’t want to call up and say, “Hey, hey, man. I’m looking for … I just want to check out my credit report, see what you guys can do, man.

You guys do that $100 when I sign up thing. Do you know what I mean? Can you get me proof?”

That’s not going to work.

I know I exaggerated a little bit, but build rapport, know exactly the kind of card that you’re using it for, and the benefits of that card to what you’re trying to do.

Do that first.

Then you’ll know the benefits. Right?

So that’s some tips right there that you’re going to 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 receiving 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.

So for example, “I’m looking to do my kitchen,” or, “I’m looking to go on vacation.”

Vacation’s not a great one. But, “I’m looking to redo my kitchen. I’m looking to start a business. I’ve got a bunch of family coming in, and we’re throwing this huge party for a graduation or a wedding.

Something like this, and I really like your card because it offers XXX.”

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? “Oh, 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 interest.

So the perception is to spend money.

You’re telling them you’re about to put a big balance on it so they can say, “Oh, that makes sense.

Give the guy a shot.” You know, we’re about to put $15,000 on this card.

We’re about to put $10,000 on our card. “Oh my gosh,” right? They like that.

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 that 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’ve 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, “Hey,” you build rapport.

Boom, you’re feeling really good.

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 to 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 x amount of dollars open over here.

Would you consider opening up this freedom card and moving over three, five thousand dollars, whatever the case is, of open credit over here?”

They can open up the new card without extending any more credit, and you end up with two credit cards that you can start raising credit limits on instead of one.

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 could 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 is a tip.

If the rapport, and you’ll know this right off the rip, if the rapport is not going good from step number one, hang up the phone say, “Look, I got to go. I’m sorry, I got to go, got another call.”

Call right back and get the reconsideration 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’s not there, the chances of them reconsidering it are going to be very low.

Hang up the phone, restart again.

In fact, you’ll be 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 of 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.

Call up Discover, and I recommend as a first card the 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’ve just shared 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 a relationship with you guys to start my new credit.

I’ve never had a credit card. I’m looking to getting my first credit card. I’ve got a great job,” yadda, yadda, yadda.

Here’s the key: what they are thinking instead of you going to American Express or you going to another bank, they’re thinking they have a long-term relationship with you.

So, they would rather have that with you than you go to another company because they’re looking at the long-term.

No credit cards, Discover IT’s a great starting card, or Capital One platinum card’s another great starting card. That being said, just remember let them know you 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 steps one through four, and I’m going to leave you guys with that.

Go back to this video as many times as 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 seven-day window.

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