Great advice here about maximizing cards to the best of their ability, travel protections etc. Pay in full ALWAYS haha. Great video, 14 cards at 21 is killing it in my book, I think I just got my first card at 21.

@NikoKatsuyoshi1

11 ай бұрын

Appreciate you!

Another hot credit card KZreadr! Welcome 😉😊

@NikoKatsuyoshi1

11 ай бұрын

Hahaha

I hope you get to balance them out because banks in this country is 50/50 at the moment. It was fun watching this vlog

@NikoKatsuyoshi1

11 ай бұрын

Thank you for your kind words!

I need to get more credit cards

Hey niko, hope ur day is going good, I’m starting high school today who’s is the beginning of my journey to get into Stanford and work as an aerospace engineer for SpaceX, with me luck!

@NikoKatsuyoshi1

11 ай бұрын

Good luck sir!!

If u pay rent you might wanna consider Bilt

@NikoKatsuyoshi1

11 ай бұрын

Thanks! Currently subletting, so wouldn’t be able to earn points, but definitely a card I’d open once I have my own lease signed!

Great credit card journey for being at your young age.. question about those credit cards that waive the first year for the annual fee of $95. For example for U.S. bank business altitude credit card waives the first year annual fee, then $95 the following year. Can I cancel or product change it right before that $95 hits on the following year?

@apdavid619

11 ай бұрын

I think the answer is "it depends..." meaning if you get value from the $95 card and can offset most if not all of that AF with the credits/benefits then it would be wise to keep. But if it doesn't have the value, then downgrade to a free version

@NikoKatsuyoshi1

11 ай бұрын

Hey! If you cancel before the first annual fee hits, they’ll probably take back your sign up bonus, so the play would be to wait for the annual fee to hit, cancel the card, and the fee will be refunded. Beware losing your points/rewards if you cancel a card and it’s the only one you have in a company’s ecosystem. You can likely also product change after the fee hits and get it refunded or also ask for a retention offer to incentivize you to keep the card another year! Definitely something to look into

@vcosino

11 ай бұрын

@@NikoKatsuyoshi1 thank you!

Hey Niko!!

@NikoKatsuyoshi1

11 ай бұрын

hiii :)

Did u have a checking account with US Bank and what was your credit score when you applied?

@NikoKatsuyoshi1

11 ай бұрын

I did, but it only had $100 haha. Sometimes it’s good to seed an account with a bank with a tiny bit of money so you have some history and are more likely to get approved! My score was probably around 700-720 at the time I was approved

Is the Amex Platinum Flower design too feminine?

I couldnt sit here for 18 minutes because i barely know anything about credit cards

@NikoKatsuyoshi1

11 ай бұрын

Hahah, good to learn!

Do a what’s in my wallet video

@NikoKatsuyoshi1

11 ай бұрын

🫡

@terrelmoss1444

11 ай бұрын

@@NikoKatsuyoshi1 Video Suggests -Best No Annual Fee No FX Fee Cards -Best Credit Union Credit Cards -Best Card for Each Category 2023 -Best 5% Cashback Cards 2023 -Best 6% Cashback Cards 2023 -Best Catch All Cards 2023 -Best Card for Mobile Wallets -Product Change Rules from Each Issuer -Best Beginner Business Cards

Do you have a written guide

@NikoKatsuyoshi1

11 ай бұрын

Not currently, but will look into it!

2:45 I thought something was here

@NikoKatsuyoshi1

11 ай бұрын

video broke hahaha

@StudyFae

10 ай бұрын

@@NikoKatsuyoshi1that’s a normal thing as a content creator

what was the carrot card?

@wholeeawn

11 ай бұрын

I think it's a content creator friendly card

@NikoKatsuyoshi1

11 ай бұрын

Karat is a card catered towards social media creators ! It gives cash back in a lot of areas content creators would spend their money like equipment, software, etc!

@NikoKatsuyoshi1

11 ай бұрын

@@wholeeawnright on, thanks!