I'm 20 and don't know anything about what I'm doing. Glad I've been listening to my parents by paying my bills on time and in full though lol. I'm glad to hear that's one thing I've luckily done right.

@CorneliusJones-ic5kb

10 ай бұрын

You have 200.00 that

@OmarHernandez-iu2zc

4 ай бұрын

Pay everything on time bro , I'm 30 now and I'm finally building my credit I wish I had a head start in my 20 but I wised up lol Thur the years lol 😅

@maximusandr

4 ай бұрын

​@@OmarHernandez-iu2zcall good bro, now you know. Keep in mind the technological advantage people rn have starting out I'm 19 rn tryna get early to this info

And i thought card games were hard..

I didnt understand a single word. This is why i aint in finance man

@detectivehawk4976

Жыл бұрын

Learn it

@user-of5ge6ns7w

11 ай бұрын

it's not rocket science lol

@tesla82111

11 ай бұрын

Lmao what? How?😂

@lilllamaboi

11 ай бұрын

I have a basic card, I’m a mechanical engineer, I worry more about having a good time and enjoying the little things in life than credit card points

@Chubbies34

8 ай бұрын

@@lilllamaboiyou are a mechanical engineer yet you can’t understand basic English ? He wasn’t even talking about how credit works or anything just basic words lmao

I have a quicksilver card and discover it card both great cards :)

New Quicksilver cards are World/World Elite Mastercards depending on the Credit Limit associated with the account

@LebronJames-ug4ef

8 ай бұрын

I didn’t get approved for the regular quicksilver for 1st credit card

@hostileaks4495

7 ай бұрын

​@@LebronJames-ug4ef I got a card from capital one. Ita designed for people with no credit. I had to deposit $200 then they mailed me the card with $351 credit limit and I just used it first time today. It's the only one to allow me to get a card I had no credit history. I plan on getting a nother in a few months

@daciasdiy1861

6 ай бұрын

@@LebronJames-ug4efwhat is your credit score ! I’m afraid to apply bc i know if you don’t get it your credit takes a huge hit and can’t afford that right now .

im 21 and this is still so confusing…

@chucomartinez1920

9 ай бұрын

Nawww bruh same. I need some credit

@Chubbies34

8 ай бұрын

Let me make it simple, use your credit card as if it were a debit card. If you buy something with a credit card make sure you have enough to buy it with your debit card. Then after 2 days when it processes pay it off so you don’t forget. This is the easiest way to make sure you don’t get any debt (using the card wrong) that you can’t pay off

@Chubbies34

8 ай бұрын

Eventually once you’re good at managing your costs you can start paying off once a month before you have to pay the bill so you don’t get charged any fees. You can even set up auto pay so you don’t have to worry about this just worry about the balance you’re putting on the card

@Wild1KY

8 ай бұрын

Try “Self Lender” to get started if u have zero credit. IE; u take $200 minimum & give to self lender. They then give u a card with the Exact Spending limit as u gave them CASH. It’s a deposit. $200 up to $3k… Now, take that card, buy a full tank of gas ⛽️ & Pay Off Fully! One time per month & after 3 months, BAM! 💥 Great Credit Score ✅

@carryeveryday910

8 ай бұрын

@@Chubbies34This^ I tell everyone exactly this unfortunately many people lack the discipline it takes. Personally I pay all my bills on my credit cards and do not touch my debit account. At the end of the month I pay everything in full and reap the benefits.

Glad to see some without foreign transaction fees, which is hella necessary for me lol

I don’t know anything about points and rewards on cards . All i know is use and pay ontime .

First like and comment! Also great videos man!

@johnsfinancetips

Жыл бұрын

Thank you for the comment and the support!!

Sending a heartfelt thank you to the card vendor who consistently goes above and beyond cash out on blank card

is the capital one card good for college students ?

I have over 25 cards and my main card is the quicksilver! It’s a no brainer

@louiskwizera

Жыл бұрын

How did you manage to get all of them? Like, do you even get to control the whole of them

@skatergirl1759

3 ай бұрын

Do you think the quicksilver capital one is better for a complete beginner or the platinum capital one?

@Alonzo422

3 ай бұрын

Quicksilver will get you 1.5 cash back on all purchases. It adds up quickly. You can redeem anytime. Once you establish a good track record capital one will upgrade you to a signature version of the card.

@skatergirl1759

3 ай бұрын

@@Alonzo422 Bro thank you so much for I hope ur not sponsored or something 😭😭 but genuinely this was a big help. Do you have any other advice? cuz I need all I can get.

@alexcarran7747

2 ай бұрын

​@@skatergirl1759I have Capital one, it’s true, I like it

Hey ya’ll I am 25 and looking into doing the whole credit thing I currently have zero never had any yet… should I start on my own or go on say my mom’s she is willing to start me on hers and she has 750+ would it put me on a certain card or would be all of hers or just one obviously I wouldn’t use her cards anyway so I wouldn’t be screwing up her credit either…

How do you choose it's like what do I make for dinner something that's going to blow me up or go healthy it's so annoying 😮

Dear , I will tell you super finance tip We indians use credit card and pay at 49 day and credit card company don,t make a penny like in America

@Education-gf7tb

7 ай бұрын

Your credit cycle is of 50 days

Thank you sir

whats the likelihood of getting denied on the base level cards? is that a thing..

@CK-ec8kz

Ай бұрын

Yes

@CK-ec8kz

Ай бұрын

You have to meet minimum requirements, which always vary

Looking at the quicksilver, it does have an annual fee. $39

@diamondmagma7071

8 ай бұрын

Ikr he lied

@michaelhorgan9525

7 ай бұрын

Only for the QuicksilverOne. I have a regular quicksilver and have not paid an annual fee.

@ashtonphoenyx

4 ай бұрын

You're thinking of the Quicksilver One card. He's holding the Quicksilver

@alexcarran7747

2 ай бұрын

There are different quicksilver! So, look at the no annual fee!

@pollythomas790

2 ай бұрын

The Capital One Secured Quicksilver One has annual fee $39 and The Quicksilver unsecured card No Annual Fee

About the chase trifecta, it sucks you cannot transfer your points to a travel partner only if yoy hsve a preferred card, so they making yoy het it anyways kinda

this the same ninja that do the ER nursing vid? or am i trippin

So when you say move on to the next one, do we cancel some of them and lose that credit? Do we keep them open and occasionally use them a bit to keep them active or what? Or does it depend, maybe some are good to close and some a worth keeping

@Octaviomm213

2 ай бұрын

I suggest keeping the cards active and using them monthly, I advise you use about 10% of the credit limit because you still want to use it to build credit. Especially if they are beginner to mid tier cards more than likely there are no anual fees also closing a line of credit can effect your credit score to an extent but if you keep watching more videos and take the time to learn it’s actually very easy :)!

My quicksilver is a Mastercard when did they change it?

I didn’t know Chase was considered a beginner card lol

@glickstar1023

11 ай бұрын

fr. u need 12+ month credit history and a chase acc for it

@Cloggerr

10 ай бұрын

@@glickstar1023you don’t need a Chase account for them

@StrafinJr

9 ай бұрын

@@glickstar1023 i just applied with 0 credit history first card ever and got it, doesn't hurt to try!

@carryeveryday910

8 ай бұрын

Those specific cards are beginner level chase cards but yes being able to even get a chase card is a pretty good start.

Love it😊

You can hold a balance if you need to , as long as you pay on time and aren’t getting hit with fees it’s fine

@slickbill9488

6 күн бұрын

No its not fine, that’s how idiots get into debt

What about the Chase Freedom student card? Is that any good in comparison to Unlimited and Flex?

@shomariboulet

10 ай бұрын

very mid comparison

What is cash back!

Top three *holds up 4*

@BenB21

Жыл бұрын

That's cause 2 of them were Chase and were basically the same thing

@qrowgaming4207

Жыл бұрын

@@BenB21 true!

ok but how am i gunna sign up when i have no money and im not allowed to leave my house so i have to get a secret job online, online jobs need credit card, paypal needs credit card both needs phone number, which i dont have so wth am i suppose to do?

@tesla82111

11 ай бұрын

Get a job. Show a couple paystubs to a bank in person. Get a starter card.

@captains_badonk3553

11 ай бұрын

@@tesla82111 great advice..if i could get a job.

@beefinwiththatog9221

11 ай бұрын

I’ve had a boa card since I was 16 I do believe I had a job at the time…my first credit card was with capital one and I didn’t have to put money on it…it was a 500 credit limit

I need help please!!! So my credit score is at 750 and I have a Quicksilver by Capital One card and I make all my payments on time and I just received a letter to apply for a Pink Discover it card and I want to know if I should apply for it or not? Can anyone please help???? Thank you so much in advance!

Thanks

DON'T BORROW MORE THAN YOU CAN PAY OFF!

God bless my credit ! I wanna work towards good credit and get good credit card line, i need that AMEX GOLD and BLACK CARD HAHAHA IM COMING FOR THAT BUSINESS CREDIT CARD TOO 🗣️🤺

My credit score is at 670. Can I go to Chase bank and apply for a credit card ?? Please help

If I use my card do I just pay it the next or wait for the last days of the due date??

@ShawnFX

2 ай бұрын

its much better to pay it off as soon as it is processed so that you don't forget about it. Or you can set up auto pay to make sure you don't miss any payments :)

The names are flipped I can't read them

What about in eu ?

If anyone needs referral link for the discover student credit card so we both get 100 credit when u sign up and use the card in the first three months please reply!

Ive tried applying for discover multiple times and every time they’ve denied me because i have no credit history. How tf do i get credit history if i cant get accepted for a credit card because i have no credit. Makes 0 sense.

@Lucid_XP

7 ай бұрын

It's frustrating, but the simple solution is to get a different card. Preferably with no annual fee so you don't have to be hung up on breaking even. That's the beginner logic from what I've researched

@leilasmommy7365

7 ай бұрын

Apply fir the secured credit cards only

@anthonygarcia3922

7 ай бұрын

You don't need to have a credit card to get credit history....that isn't the only way to start credit

@jesusa1328

6 ай бұрын

I'm 22 with no credit and just applied for the discover secured card. It took like 10 min and says I should get my card in a couple weeks. The idea is to graduate to an unsecured card after like 7 months of making payments on time.

@pettbudd5681

6 ай бұрын

You can start from CHIME credit builder… it’s not actually a credit because you will fund your credit card and use it for purchasing, but the catch is it will build your credit score… Once your credit score is build.up, you can then apply for credit cards with perks… like rewards/points/miles…

how do i get accepted to one of those credit cards since my credit is at base and my income isent high

@Intrepid_Sloan

Жыл бұрын

I got the Discover card he mentioned second. I absolutely love it. Credit Karma recommended it to me and I was able to apply on their app. The card came quickly and discover’s customer service is very quick to act if there’s a suspicious charge

@albertosanchez-9319

Жыл бұрын

Discover is specially for beginners and or to rebuild bad credit

@ninevanillaninjas1018

8 ай бұрын

Discover IT also has a secured version that you can start with to build your credit

Quicksilver has 60$ annual fee as of 2023

@fuckyodig325

7 ай бұрын

No it does not. I have it for almost 2 years and it never charged me for annual fee. Or of this year in particular. Where you heard of this?

@michaelhorgan9525

7 ай бұрын

Quicksilver one has an annual fee but that card is for less than ideal credit. I have a quicksilver and have not paid any annual fee.

. i have a none credit score ?? like no number at all and im grown ive had credit before but my medical had always brought my score down but it seems theyve been taken off leaving nothing to base a score on since i have no other debt . can someone please help me

@mrkey500

11 ай бұрын

@@Aby-zy4ku credit karma’s

Which chase card should we start with?

@Nosirt

8 ай бұрын

Get the chase freedom unlimited card for your daily driver.

Can you still get the proffered with no annul fee do they still have that card Available

@KingGreen78

11 ай бұрын

No,you have to get the preferred and downgrade after 1 yr

❤❤❤❤

Im 20 with a 733 its not hard once u understandable it

I don't know how your Quicksilver is a Visa mine is a MasterCard

spend 500 get 200 what kind of backwards deal???

@Quafuple_Bonjular

6 ай бұрын

It’s a great deal. You could easily spend that amount on gas and groceries, so you’re basically getting a $200 discount in that time frame. If you’re spending $500 on non essentials it’s a bad deal though.

@Assfetti

6 ай бұрын

I got that card, payed my rent with it once and got 200 dollars for free, it’s a great deal

@ShawnFX

2 ай бұрын

the thing is you were going to spend the $500 regardless so why not get $200 back you know

Can you get a discover it card even if you dony have an account with that bank?

@mannym.7624

9 ай бұрын

Yes

My Quicksilver is a Mastercard not Visa

I have a debit card trying to learn about credit cards but it’s kind of confusing

@pettbudd5681

6 ай бұрын

What part is confusing?

What abt 2024...any specific cssh back cards for business owners?

@amonsblade

5 ай бұрын

definitely, look up Charlie Changs channel he has good videos about business credit cards

Discover? You’ll be waiting almost a month for a debit card

I heard discover card was valid

Is the quick silver card that you’re talking about the secured or the rewards

Wait the quicksilver is a visa signature how come mine is a mastercard. Not complaining to much though I love it

@Sky-xt6kz

Жыл бұрын

They recently switched over to mastercard, i also had the same question as u lil bit ago lol

@m.mickeypayne9811

8 ай бұрын

The quicksilver one is a Mastercard and the Quicksilver is visa. The Visa has no annual fee and the Quicksilver one does.

if you had 50 i imagine you cancelled some as well ,did that affect your score?

@amonsblade

5 ай бұрын

yes canceling effects your score. if it has an annual charge, you can always ask to downgrade cards to avoid the fee. also you have to use them like 1 or twice a year to keep them from being listed as inactive. (you can literally buy a pack of gum) and as long as your autopay is turned on for all each if your cards, you’re all good.

What is best Mastercard for Cash back with no Annual fee?

@CorneliusJones-ic5kb

10 ай бұрын

Food

That’s my literal starting lineup

Don’t get credit cards use cash or debit. Stay out of dept

How long before you can move to your new credit card?

@kritic5436

Жыл бұрын

Applying for many credit cards at once is not good

@naomim585

Жыл бұрын

If it’s your first card, I’ll 12 months

Quicksilver!

which card would you recommend after the ones on this list

@vashantiwoodley

8 ай бұрын

Discover is pretty solid for beginners! I have discover as my first credit card and I had 0 apr for 15 months which is a LIFE saver

@zBMatt

8 ай бұрын

I’d say go for discover it or quicksilver depending on what best suits your needs. Then get the chase beginner cards on this list once you have 700+ FICO and 1 yr+ of history. After that get the Bilt card to cover your rent but you’ll need 4 more purchases to qualify for its rewards. Then grab the Chase sapphire preferred or reserved, again based on your needs, and you’ll have completed the chase trifecta which is the most powerful (I think) trifecta out of AMEX, CapOne, and Chase. After this if you dine a lot it’s worth grabbing the Amex gold and then using the rewards to transfer to partners shared between it and the chase cards.

Hmm

Hmmm, was Quicksilver a Visa back then? Because I just got my Quicksilver credit and it's a MasterCard 🤔

@fuckyodig325

7 ай бұрын

No it was always a Mastercard

@fuckyodig325

7 ай бұрын

Actually I may be wrong cause when I first had it in 2021 it was a Mastercard. Don’t know about prior.

What are the best 3 credit cards for cash back?

@albertosanchez-9319

Жыл бұрын

The very good one is the American Express blue cash preferred!!!

You kinda look like sean

Is it good to have multiple credit cards?

@Killercupcake100

3 ай бұрын

Yes, when you want to apply to things like loans for cars they will look at your credit file. You could have a high credit score with one card and they wouldn’t approve you for a loan bc you don’t have multiple lines of credit/ large credit history.

@xamiennn

3 ай бұрын

@@Killercupcake100 thank you, This helps a lot👍

S energy’s 😂

😂😂😂😂 don’t apply for discover always decline for many people and you get hard inquiry

got declined by all 😡grrr

Algérie

What is a beginner card? Or what makes a card a beginner card?

@anthonygarcia3922

7 ай бұрын

All credit cards have different benefits. Beginner cards are good for people trying to build credit with "less" responsibilities. For example, majority of credit cards have APR% interest. A beginner/student credit card would offer you credit cards with no APR interest for up to a year and a limit of maybe $1500-$2000. So you can learn how a credit card works without so many factors in the way. The more experience you get as a credit card holder, the more limit you can get. Like for me, my first credit card had a limit of $1800, Now 4 years later I have my 3rd credit card with a limit of $15,000. Basically, the more you earn their trust and prove you can manage your credit card, the more they are willing to give you.

@roadrunner40

7 ай бұрын

@@anthonygarcia3922 thank you for your reply. I know there are levels to most things. I've seen KZreadrs call Chase Freedom Unlimited, Citi Custom Cash, Amex Blue Cash Everyday & SoFi, beginner cards. I disagree. With lower income and credit scores beginners cannot even qualify for those cards. A beginner card to me would be secured cards and crappy cards like Bilt, Mission and others that are very easy to get approved, have very high apr and charge lots of fees.

I'm 20 and about $50k in debt with credit cards from taking advice from youtubers. Welcome to my ted talk.

@phillipboesen9961

Жыл бұрын

Now, who’s fault is that? You spent more than what you had. That’s entirely on you buddy

@Hero_Akiko

Жыл бұрын

Who told you to spend 50,000$ which you didn’t haev

@911eVoX

Жыл бұрын

@@phillipboesen9961 These credit card influencers who say you need to spend $15k in 3 months for a sign up bonus

@phillipboesen9961

Жыл бұрын

@@911eVoX literally use your brain. you spent 15k you didn’t have

@911eVoX

Жыл бұрын

@@phillipboesen9961 I can balance transfer at 0%

I have no credit score at all, no one wants to give me credit lol, neither those, that aren’t for beginners then. 😢

@Shamnez7367

5 ай бұрын

Discvr doesnt check your actual income… shhhh

@Shamnez7367

5 ай бұрын

Because even if you lie on your application it doesnt matter to them, youll still have to pay on the card anyway

what does bro need 50 credit cards for

@billlanagan2320

11 ай бұрын

credit churning is a pretty low effort tactic to get paid by credit card companies. open a card before you make some planned purchases, get the sign on bonus. boom free $200, free $500, whatever the offer is. rinse and repeat. just don’t play yourself buying a bunch of stuff you don’t need and go into debt

@tekkaufman3111

11 ай бұрын

@@billlanagan2320is it legal?

@chase turn on your comments to all your videos why are you even a bank creator and making videos about the bank just to prohibit those that are clients and in general to comment !?

Lies on the quick silver, there's a $39 annual fee and a 40% APR trynna get beginners to go straight into max debt

@autobotdiva9268

10 ай бұрын

WIH ONE BECAUE I DONT PAY FEE

@swifty339

9 ай бұрын

Agree, neither do I

The quicksilver card does have a annual fee of 39$ now sadly

@ShawnFX

2 ай бұрын

i think you're thinking about the quicksilver one, because the quicksilver currently on the website says no annual fee

with credit cards u take a kind of a loan from bank. thats why u must pay the bills in time, and if not or u cant u are fked. thats why debit is better

Paid advertising…

There’s 4 different ones. Which was is he talking about.

@BenB21

Жыл бұрын

The first 2 were Chase cards, they were pretty similar that's why he put them together

@CorneliusJones-ic5kb

10 ай бұрын

How u call this cand