What customers say

The testimonials for Cal Barton's credit advice and resources are overwhelmingly positive, highlighting his expertise and the practical, transformative impact of his guidance on personal and business credit journeys. Many users express gratitude for how his videos and information led them to successfully apply for and be approved for various credit cards and limits, with some even seeing dramatic increases in their credit limits. Users appreciate Cal's thorough explanations, actionable tips, and the supportive community he has fostered through his channels. While a few mentions of skepticism exist, the general sentiment reflects excitement and achievement, making Cal a trusted resource for anyone looking to enhance their financial confidence and credit acumen.

Review highlights

Transformative guidanceTestimonials of successActionable tipsExpertise in creditCommunity supportAffordable resourcesSome skepticism present
Video Poster

Brian

A.B.A
I highly recommend Cal for helping me raise my credit limit from 12k to 30k. After watching your video "Increase Your Capital One Credit Limit Twice In 60 DAYS," just for kicks, I logged in to my Cap One account and proceeded to request the credit increase. Prior to this I've only requested (and got approved) a credit limit on the card once for maybe 3K or so, can't remember cause it's been so long. However, they've automatically increased my credit limit several times over the years but with just like 1.5K to 3K. Two things I got out of the video were, 1) "Don't be shy to shoot for the moon and request the max limit you need, which in my case, I went for 30K, 2) The reason for requesting an increase, which was that I expect my expenses to increase the next few months or so. Long story short, I asked for a credit limit of 30K and got approved for it. The limit went from 12K to 30K, an 18K increase. Plan to do the same with the rest of my actively used cards. Cal, for private reasons (don't wanna give the ex wife any crazy ideas about my income), I'm not using my real name but just my initials, feel free to contact me if you have any questions or want to know more about me or whatever. My credit journey dates back to the mid 90's. Currently, I have the Delta Amex Platinum, Citi AAdvantage Platinum Select World Elite, Chase United Quest, Discover IT, Chase Amazon Prime, USAA Amex and Visa Signature (haven't used those in years but both have significant credit limits), and some other ones I don't use. I'm planning to downgrade the Delta Amex Plat. cause the annual fee increase is kinda ridiculous now. I got it specifically for the TSA/Global entry benefit (yeah, I travel a lot internationally; live and work in the middle east) but both the United Quest and AAdvantage cards offer that benefit. your thoughts on downgrading? Sorry for the essay :) Thanks. Regards, ABA
A.B.A
I highly recommend Cal for helping me raise my credit limit from 12k to 30k. After watching your video "Increase Your Capital One Credit Limit Twice In 60 DAYS," just for kicks, I logged in to my Cap One account and proceeded to request the credit increase. Prior to this I've only requested (and got approved) a credit limit on the card once for maybe 3K or so, can't remember cause it's been so long. However, they've automatically increased my credit limit several times over the years but with just like 1.5K to 3K. Two things I got out of the video were, 1) "Don't be shy to shoot for the moon and request the max limit you need, which in my case, I went for 30K, 2) The reason for requesting an increase, which was that I expect my expenses to increase the next few months or so. Long story short, I asked for a credit limit of 30K and got approved for it. The limit went from 12K to 30K, an 18K increase. Plan to do the same with the rest of my actively used cards. Cal, for private reasons (don't wanna give the ex wife any crazy ideas about my income), I'm not using my real name but just my initials, feel free to contact me if you have any questions or want to know more about me or whatever. My credit journey dates back to the mid 90's. Currently, I have the Delta Amex Platinum, Citi AAdvantage Platinum Select World Elite, Chase United Quest, Discover IT, Chase Amazon Prime, USAA Amex and Visa Signature (haven't used those in years but both have significant credit limits), and some other ones I don't use. I'm planning to downgrade the Delta Amex Plat. cause the annual fee increase is kinda ridiculous now. I got it specifically for the TSA/Global entry benefit (yeah, I travel a lot internationally; live and work in the middle east) but both the United Quest and AAdvantage cards offer that benefit. your thoughts on downgrading? Sorry for the essay :) Thanks. Regards, ABA

Jul 19, 2024

Jul 19, 2024

C. Lee
C. Lee
Cal helped me get approved for my Amex Gold card. I watched his videos on YouTube several times and applied for three of the nine cards he listed. I followed all his steps and was pre-approved (no hard pull) for all three Verizon; GM; Amex. I accepted the Amex and only after acceptance was there a hard pull on my Tranunion.
C. Lee
C. Lee
Cal helped me get approved for my Amex Gold card. I watched his videos on YouTube several times and applied for three of the nine cards he listed. I followed all his steps and was pre-approved (no hard pull) for all three Verizon; GM; Amex. I accepted the Amex and only after acceptance was there a hard pull on my Tranunion.

Jul 13, 2024

Jul 13, 2024

Video Poster

Jmike Carter

HH
He helped me answer many questions that I had
Great work from him I really enjoyed his help
HH
He helped me answer many questions that I had
Great work from him I really enjoyed his help

Jun 15, 2024

Jun 15, 2024

Darren Crawford
Darren Crawford
Good info to learn and apply pre qualified route is the way to go I see now
Darren Crawford
Darren Crawford
Good info to learn and apply pre qualified route is the way to go I see now

Jan 27, 2026

Jan 27, 2026

T
Thomas
I applied for the Expedia One Key card. I have a 592 credit score & got approved for $3500 credit limit. I applied for the one with no annual fee. thank you Cal for putting the hard work into creating the list.
T
Thomas
I applied for the Expedia One Key card. I have a 592 credit score & got approved for $3500 credit limit. I applied for the one with no annual fee. thank you Cal for putting the hard work into creating the list.

Jan 19, 2026

Jan 19, 2026

CB
Cindy Brown
I love this verified list. Thank you so much for helping out your community. I found you on YouTube.
CB
Cindy Brown
I love this verified list. Thank you so much for helping out your community. I found you on YouTube.

Jan 13, 2026

Jan 13, 2026

Laura Appling
Laura Appling
Thank you so much! I was approved for a Care Credit Card … I asked for a $500 limit but they gave me a $1,300 limit instead! Thank so much for your help 😇
Laura Appling
Laura Appling
Thank you so much! I was approved for a Care Credit Card … I asked for a $500 limit but they gave me a $1,300 limit instead! Thank so much for your help 😇

Oct 3, 2025

Oct 3, 2025

Estelle Crayton
Estelle Crayton
I really appreciate how Cal helped me get a credit card with no annual fee and it's my highest limit so far. I just obtained another card today with a $5000 limit, no annual fee, and no hard pull. The interest rate is very high, but I use my cards responsibly.
Estelle Crayton
Estelle Crayton
I really appreciate how Cal helped me get a credit card with no annual fee and it's my highest limit so far. I just obtained another card today with a $5000 limit, no annual fee, and no hard pull. The interest rate is very high, but I use my cards responsibly.

Nov 8, 2025

Nov 8, 2025

S
sharon
Watching Cal explain credit limits and what to do and how to do it has helped me raise my limits by 30,000$, I never understood how the system worked and thanks to you I'm finally learning bit by bit. A thousand thanks.
S
sharon
Watching Cal explain credit limits and what to do and how to do it has helped me raise my limits by 30,000$, I never understood how the system worked and thanks to you I'm finally learning bit by bit. A thousand thanks.

Jan 2, 2026

Jan 2, 2026

SC
Sharon E Cullen
Your advice helped me raise my cards up to $10000 and got 2 cards at credit limit of $15,000. You are the best. Thank you.
SC
Sharon E Cullen
Your advice helped me raise my cards up to $10000 and got 2 cards at credit limit of $15,000. You are the best. Thank you.

Dec 21, 2025

Dec 21, 2025

SC
Sharon cullen
After watching his videos, I have learned a lot. For the first time I requested a credit increase and it was approved. 3000 increase to 12000. His advice is spot on
SC
Sharon cullen
After watching his videos, I have learned a lot. For the first time I requested a credit increase and it was approved. 3000 increase to 12000. His advice is spot on

Dec 14, 2025

Dec 14, 2025

C
Chris
Thanks Cal. I was waiting until my score got to 720 to increase my odds before I applied for the Amex Blue Business Cash Card but then I came across your video and you stated you can apply with 660, so I applied. I was approved for $9,000.00. They pulled form Experian lie you said. I have a card with Amex Hilton, I opened a checking and savings account with Amex about 6 months ago to build a relationship. THANKS FOR THE INFO CAL.
C
Chris
Thanks Cal. I was waiting until my score got to 720 to increase my odds before I applied for the Amex Blue Business Cash Card but then I came across your video and you stated you can apply with 660, so I applied. I was approved for $9,000.00. They pulled form Experian lie you said. I have a card with Amex Hilton, I opened a checking and savings account with Amex about 6 months ago to build a relationship. THANKS FOR THE INFO CAL.

Dec 7, 2025

Dec 7, 2025

D
Dana
Yes! I just tried it to see what would happen and I was approved for $5000 with a 643 credit score. Thank you for sharing your list with us.
D
Dana
Yes! I just tried it to see what would happen and I was approved for $5000 with a 643 credit score. Thank you for sharing your list with us.

Dec 3, 2025

Dec 3, 2025

 @tanyatee5951
@tanyatee5951
Hey Cal!!! Anthony is great!!! I'm so glad to see him & others using your pre-approval list because it's PRICELESS!!! Thank you for providing this for us. I've gotten at least 6 cards because of that list! 🙌🏾💯❤️
 @tanyatee5951
@tanyatee5951
Hey Cal!!! Anthony is great!!! I'm so glad to see him & others using your pre-approval list because it's PRICELESS!!! Thank you for providing this for us. I've gotten at least 6 cards because of that list! 🙌🏾💯❤️

Oct 3, 2025

Oct 3, 2025

J
Jr
After watching less than 2 hrs of Cal's videos, he helped me identify a few credit building cards and got approved for a Capital One Quicksilver card ($2,000 limit), a Paypal card ($1800 limit), and a mission lane card ($500 limit). Really appreciate what you do!
J
Jr
After watching less than 2 hrs of Cal's videos, he helped me identify a few credit building cards and got approved for a Capital One Quicksilver card ($2,000 limit), a Paypal card ($1800 limit), and a mission lane card ($500 limit). Really appreciate what you do!

Sep 8, 2025

Sep 8, 2025

D
Dennis
Hey Cal, Got your e-mail and decided to give it a shot. Now I had upgraded my Capital One Platinum to a Quick Silver years ago, so I have 2 Quicksilvers and a Savor One card. 5k on the Savor one, 2.9k on the Quicksilver, and 700 on the other Quicksilver. So I used the 2.9k Quicksilver for the Upgrade with your link. Got a Venture One Card with no annual fee. (mind you I was paying a annual fee on the Quicksilver) So all considering I came out ahead with the soft pull. Thanks for all you do. Been following you for years and thanks to you I was able to get out of the Capital One bucket stuck with a credit limit under 3k (for years) and now have over $60,000 in credit. Cal you are the brother like no other! YOU ARE THE MAN! Appreciate You!
D
Dennis
Hey Cal, Got your e-mail and decided to give it a shot. Now I had upgraded my Capital One Platinum to a Quick Silver years ago, so I have 2 Quicksilvers and a Savor One card. 5k on the Savor one, 2.9k on the Quicksilver, and 700 on the other Quicksilver. So I used the 2.9k Quicksilver for the Upgrade with your link. Got a Venture One Card with no annual fee. (mind you I was paying a annual fee on the Quicksilver) So all considering I came out ahead with the soft pull. Thanks for all you do. Been following you for years and thanks to you I was able to get out of the Capital One bucket stuck with a credit limit under 3k (for years) and now have over $60,000 in credit. Cal you are the brother like no other! YOU ARE THE MAN! Appreciate You!

Aug 20, 2025

Aug 20, 2025

L
Lionel
I found the database extremely helpful, and in my opinion, it makes running a sequence a no-brainer.
L
Lionel
I found the database extremely helpful, and in my opinion, it makes running a sequence a no-brainer.

Aug 19, 2025

Aug 19, 2025

Robb Sullivan
Robb Sullivan
I really appreciate how Cal gives solid advice backed up with actionable steps (do it yourself) and has a program for those that need it, Love his his straightforward content and teaching
Robb Sullivan
Robb Sullivan
I really appreciate how Cal gives solid advice backed up with actionable steps (do it yourself) and has a program for those that need it, Love his his straightforward content and teaching

Jul 23, 2025

Jul 23, 2025