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[carrgrienier]

If you have a bunch of depth on credit cards banks will not give you a personal line of credit because of your dept to income ratio it’s hard. You will need to use your credit card as the line of credit I think more examples need to be shown with using credit cards instead of ploc. Alot of people right now that are wanting to do velocity banking are in debt and can’t get any more credit cause of low credit score.

[myauntnelly]

I’ve been making smaller payments 4 times a month and my credit score has gone up 50 points in the last month! I’ve been doing vb for about 2 months.

[tcmqm]

Christy, you are awesome, and truly a blessing to me and my family! I've been praying for financial guidance. I thought I found it when we were approved for refinancing, but then 4 days into the refinancing process I found your video. I literally thanked God, called the mortgage lender and canceled our refinance application, called our credit union and applied for a HELOC. We were approved! The whole process took 3 weeks, we're closing tomorrow. And one of the most exciting thing: our home was appraised at 4 times the current balance! We can payoff all our debt now. Thank you, Christy! You are so blessed and so are we! I will keep you in prayer. Btw, I just can't get enough of your videos, and I love your humor! Your sister in Christ, Claire Q.

[tcmqm]

And by the way, I'm an 80's kid too and I have 3 young adult daughters. I already got my oldest daughter excited about velocity banking, we're working on her debts too. We thank you! ❤🙏🏻

[mariannaryan]

Wouldn't the income of $9005 be reduced by the $1540 and $630 to cover the credit card expenses?

[MarcusCosten]

Food=$450, HAIR!!!=$380!!!! I'm glad I'm a guy. It seems cheaper to at least identity as one until her debt is down.

[ChristianmamaG]

Thank you Christy! I learn something new every time I see you do these. Blessings to you!

[tynkrbel]

Thank you Christy! Thank you for praying for us and our financial freedom! 🙏🏽☺️

[marcialee]

Thank you !! Love your videos, and this one describes my situation. So nice to know there is a way out!! You are a blessing to me and so many!!

[joselima]

Christy, I'm a traveling nurse with two properties. One at less than 3% and one that I bought last year at over 7.5%. As you can imagine, the mortgage for the recent home is killing me. Can I please give you my financial information so you can break down my numbers? I only have one personal credit card that's always paid off and I make decent income so it should be straightforward.

[jefffaulkner]

Such a brilliant strategy. I’d like to see some videos on using lines of credit to build wealth rather than pay off debt.

[Wabbit]

I enjoy watching your videos. I understand the principles you are applying. But I cannot get a personal line of credit. You also assume a monthly income. While I can estimate that, I get paid bi-weekly, not monthly. How do I apply my bi-weekly paycheck to my debt with your system every two weeks?

3 credit cards with $3, 000 limits (not maxed out but close to it)
3 loans -
1 motorcycle loan ($179/month)
2 personal loans @ $5, 000 each
$84 monthly phone bill
$1800 total monthly rent (2 properties)

Gas and food are perhaps a few hundred dollars a month. I'm single and I do not splurge.

[eggchinx]

how can i get you to do mine? I couldn't find it on the site!!

[elinalall]

I love your videos with examples! I recently subscribed but I seem to be having a bit of brain fog with this example. If in month 12 after using all the income of $ 9005 leaving a balance of $ 337, then wouldn't there be expenses of $8006 for month 12 that have to be charged to the loc since all the income in month 12 was already applied to the loc? I'm confused because I don't know where the money is coming from in month 12 to pay the expenses so the car loan of $ 15395 is completely paid off along with $ 4000 to credit cards in less than 13 months. Everything before month 12 makes sense but any help in understanding would be great.

[tebellothapeli]

But you won't pay off in 12 months because you have to take out the expenses again, and that will take you back to $8000 balance.

[amberphillips]

What if our defeceite is 1, 000 with one credit card and one store card both maxed out and our mortgage can only be paid through a bank? Our total card debt is 4, 000 we still owe 16, 000 on car 485 payment a month mortgage is 2, 091 a month

[smartasafox]

Thank you for all that you do Christy. I have turned around my situation much quicker than I ever thought possible. I would like to get a PLOC but don't know where I should go. There are so many scams. Same with credit cards. I have 2 and would like a 3rd but all the offers just make me wonder. I don't want to apply to something that will do a credit check and bring down my score only to get rejected or decide against it. Any suggestions on how to shop for a PLOC and/ or credit card?

[getupeta]

Hey Christy, using my credit card to pay bills. Would there be any advantage after depositing funds the first of the month and pay all/most bills by 26th or 28th of the month?

[cynthiacampbell]

Don't you still have to make minimum CC payments monthly in between the 1000 chunks into them?

[jakeyvelasco]

Hiya Christy! I can’t wait to start Velocity banking next month. However, my credit union charges me instantly when I move/transfer/draw cash from my PLOC to my checking account aka no grace period for cash transfers. For example, my PLOC is at 11.90% APR if I draw $5000 cash from the PLOC to the Checking account, the credit union will charge interest at $1.63 per day. Do you recommend that I still park cash for daycare, students loans, car loans, other credit card debt payments, and rent in my checking account?