Well, what's up guys? So in this video, I'm gonna show you what came in the mail. Yeah, let's go. What's up guys? It's Jay and Wilk and Flashpoint. We're all about credit, credit cards and other finance tips. If you're new to the channel, please consider subscribing. Also, be sure to smash that like button for that YouTube algorithm. It's gonna help me out a lot. I appreciate it. And comment down below with your thoughts on this video. Yeah, and don't forget about my $100 American Airlines gift card giveaway for once I hit a thousand subscribers. So if you're new to the channel, subscribe, like the videos, and comment on the videos. And that'll enter you. So guys, before we get into this video, I just wanted to let you guys know, uh, I wear my jerseys because I'm a bears fan and it's football season. So that's why I wear my jerseys in the videos for now. Uh, I have received a little bit of constructive criticism, but it's no big deal. Anyways, I just wanted to bring that up to you guys. And also my daughter's birthday is coming up. She's gonna be turning one on October 21st. So if you guys can do me favor, just drop a comment down below wishing her happy birthday. And, uh, you know, since, you know, dad's got jerseys had to get, had to get her a little kaleal mac, you know, so yeah. So again, guys, you know, we're gonna be rocking these on Sundays. So, you know, daddy, daughter time right there. So anyways, guys, uh, yeah, I'd really appreciate that a lot. If you can just wish your happy birthday down in the comments below. Yeah. But all right, let's go ahead and go. So, uh, I know I said, like if you guys keep up with my channel, I know I said I'm done with applications and all this stuff, but uh, I like, uh, yeah. And so I just, I couldn't help myself normally again. It's not normal practice of me. I haven't applied for a card since probably July. Well, two cards I applied for in July and I applied for them on the same exact gay. And this is the same scenario I applied for, uh, two cards on the exact same day. I got to prove for both. One of them came in because it was expedited. The other one was not. Um, they weren't able to do it. And I'm not going to reveal what card that was. Actually, I won't reveal it at all in this video. But, uh, I am going to get into why I applied for this card. And, uh, yeah. So as you guys know, I got approved, obviously. And, uh, let's go ahead and it's an MX card, right? Now, you're probably wondering what card it is, but I'm just going to tell you guys. It was what it is the Charles Schwab investor card. Okay. So, and it's by American Express. And I applied for this card because, uh, I thought it had a decent signup bonus. I know it is only a cashback card, but I'd like to, you know, throw a few extra dollars towards towards investments. And so this card's going to help me, uh, do that. So this is kind of like a unpackaging and boxing, whatever you want to call it. And I'm just going to go ahead and reveal the card. The thing is, is that it does have the numbers on the front and the back. So I need to take off the sticker so you guys can see it. And, uh, yeah. So this is what the card looks like. Nothing too crazy, right? Again, like I said, it has the numbers on the front. Uh, it is a decent looking card, like, uh, just having something that says Charles Schwab on it is nice. Now, most people are so infatuated with the platinum card, but in reality, uh, I don't see that as a, you know, reasonable option for the majority of people, right? Because a lot of people like to throw the idea to apply for the Charles Schwab platinum American Express card. So that way you can get $500, um, which is basically the 50,000 point sign up bonus and use that towards investing, but you also are going to have to pay a $550 annual fee. And if you're not a frequent traveler, like if you don't fly that often, then there's, it's really pointless to get the card at that specific point in time. So I always suggest to get the Charles Schwab investor card. If you do have a relationship with Charles Schwab, uh, you have to apply for this card through your, uh, login account, right? And so they have to send, you know, you have to go through some measures just to be able to get to the application, but, uh, it's worth it in my opinion. So this card comes with no annual fee. And it's a 1.5% cashback card that gets directly deposited into your brokerage account, right? Now the bonus for this card until November 16th, I believe, is $200 cashback, plus whatever you end up getting back for your 2000 and spend, um, to get that bonus. Now the 2000 is over the course of three months. So you have three months to hit that 2000, uh, minimum spend to get that $200. A lot of people don't like it. Um, they think it's too much to, you know, have to spend over the course of three months, but I'm literally going to hit that sign up bonus, you know, by the end of this month. It's, you know, and like I said, I'm not saying go spend money that you're not going to spend already, right? Like there's no need to because you can cover your monthly expenses and be able to reach that without having to fill any type of pressure, right? And the benefits of getting this card is that you're going to get that $200. That's $200. You didn't have to put towards investing and you just, you know, that's free $200. Why not? You know, so I think this is a great card to get. And that's the reason why I got it. Now I did get another card, and I'm not going to mention it, but it is a chase card. And the reason why applied for that card was because this particular card right here would have put me at 524. And I wouldn't have been eligible again until next year around this same time. So I didn't want to wait just to be able to apply for this specific card that I'm speaking about that I got to prove for. And the approval process was pretty quick. Since I do have alerts on my credit profile, like fraud alerts, I wasn't approved in 30 seconds. Like most people are with the American Express applications. And so what I did was I just went to their application status. Then I gave them a call and asked them, you know, hey, I would like to check the status on my application. And then they just went through some security measures to verify that it was in fact me who applied for the card. I had to give them, you know, like so security, just, you know, my address, everything like that. And it had to match obviously what was on my account. So that day that I called, you know, they were able to verify and they pushed forward my application. And I was approved on the spot just for calling and, you know, checking my application status. So surprisingly though, I was not approved for very much. And that's odd because I do have, you know, some pretty high limits on my cards. The amount I was approved for was $5,400, which is not bad. I mean, I don't necessarily need that much line of credit. But since it is a personal card, $5,400 extra is nice to have added to my credit profile, right? That makes it look like I'm a good borrower and I'm a trustworthy borrower, right? The more accounts that I have that people you know, extend to me lines of credit, that's, that looks good on my credit report. And that helps my credit score, you know, boost up. Now this card did come with an introductory APR of 0% for 15 months. Now I'm not sure if that was, I didn't, I don't remember seeing that on the offer when I applied for the card, but that's what was given to me here on the terms. The cool thing too is that if you have Apple wallet, then it will show you guys right here on your Apple wallet. So this is what the card looks like without exposing all of my information, right? So that's a solid thing. And yeah, so it's, I mean, it's a nice looking card, whatever, but I'm really more looking forward towards, you know, getting those cashback rewards deposited directly into that brokerage account. So I feel like this will now be my most used non-bonus category spending card. So like I was saying in a previous video about the investor card, it's similar to a capital one quick silver card. It's also similar to a chase freedom unlimited and a chase ink unlimited, which are 1.5% cashback earning cards. Now I like this card, obviously, like I said, because it goes directly into your brokerage account and the investing wouldn't necessarily be for me. It would be more towards just trying to put plan for the future, you know, my daughter. She's going to be turning one on the 21st of October. So that money that I spend on that card will mainly just go to, you know, accounts that I open for her. So that's basically it. So that's why I think this is a great card. And I always think that it's never too late to get into it. And it's a great card to get, you know, after my introductory APR rate expires, my APR after that will be 15%. So that's not too bad. But I never recommend paying interest. So always pay your balances off in full every single month. So that way you are not negating any rewards that you get, you know, in the future or just in general. There's no point in giving the banks extra money out of your own pocket. That'll conclude today's video. Guys, for more video updates, hit that subscribe button. If you found this information, be helpful. Give this video a thumbs up. I really appreciate it. Share it with your friends. To Rob comment down below to let me know what you think about the Schwab investor card. I know I did a previous video on it. But hey, let me know. It's another one. Some boxing. So let me know what you think about the look, whatever it is. Would you consider getting it? Yeah. Don't forget to hit the bell notification down the bell of course. That way you guys can stay up to date for whenever I drop my next video. Be good person. Be safe. Be smart. And remember credit is your life. And I will see you guys on the next one. Peace.