How to Climb The Credit Card Ladder in 2024

แชร์
ฝัง
  • เผยแพร่เมื่อ 29 ต.ค. 2024

ความคิดเห็น • 184

  • @damonbrown363
    @damonbrown363 2 หลายเดือนก่อน +99

    Never been this early, just wanted to thank you for all of your Credit insight you’ve given us. I just turned 21 and I already have the Amex Gold card among other cards with a 758 credit score. I appreciate the videos.

    • @Daniel_Braun
      @Daniel_Braun  2 หลายเดือนก่อน +17

      Thanks for the early view and comment, Damon! Much appreciated - and great to hear that you're off to such a great start with things at 21 🔥

    • @ItsOnPaper
      @ItsOnPaper 8 วันที่ผ่านมา

      Hold your L

  • @bobevans2867
    @bobevans2867 2 หลายเดือนก่อน +53

    thanks for the content man. i’m a student that was using credit cards wrong and have been able to see my score increase by over 100 points since watching the channel!

    • @Daniel_Braun
      @Daniel_Braun  2 หลายเดือนก่อน +8

      Love to hear that! Congrats on the credit score increase, and thanks for watching my videos!

  • @mingyuwang6638
    @mingyuwang6638 2 หลายเดือนก่อน +26

    most unbiased credit card content TH-camr

    • @Daniel_Braun
      @Daniel_Braun  2 หลายเดือนก่อน +2

      Always my goal! Thanks so much!

  • @Jokillah24
    @Jokillah24 2 หลายเดือนก่อน +18

    There’s a lot of people that talk about credit cards now a days & you by far go in depth in the best way possible, you explain the credit cards and even your personal opinion, kudos to you sir!

    • @Daniel_Braun
      @Daniel_Braun  2 หลายเดือนก่อน +1

      Thank you so much! I definitely try to go in depth and provide as much of my personal thoughts as I can, so I appreciate that feedback and support 👍

  • @jurasicpark1911
    @jurasicpark1911 หลายเดือนก่อน +9

    It makes a huge difference when you speak in a measured way, clearly. So many other TH-camrs speak too fast, ambiguously and don't explain what they are referring to. You did an excellent job for the the rest of us to understand the topic.

    • @lorettaknoelk3475
      @lorettaknoelk3475 หลายเดือนก่อน +1

      Yeah, he still speaks *a little fast* for me. But he is wise. I think the channel Water Your Soil speaks at a more learners speed.
      Also the channel SmartMoney Bri. He actually used to teach 7th grade. So he speaks at a very good speed and repeats important parts.

  • @vineetgangadharan1764
    @vineetgangadharan1764 2 หลายเดือนก่อน +18

    This man has absolutely NO IDEA how many lives he’s changing. We need educators like you in our world🙌 thanks you !

    • @garlicnaan1
      @garlicnaan1 หลายเดือนก่อน

      But the leaders of the system won't allow this they don't want you to be knowledgeable

  • @melissahwhitney
    @melissahwhitney หลายเดือนก่อน +3

    Man I just subscribed.. I wish I would’ve seen this video 10 years ago, but it’s never too late. Thank you

    • @stafa5568
      @stafa5568 2 วันที่ผ่านมา

      I just discovered his channel today, and I am glad I did. Because, I will be getting my first card soon.

  • @xconnor759
    @xconnor759 2 หลายเดือนก่อน +17

    Amex gold + Venture X combo = 🔥

    • @Daniel_Braun
      @Daniel_Braun  2 หลายเดือนก่อน +1

      2 very popular cards! Venture X works incredibly well for almost anyone, and as long as the new Amex Gold credits fit well into someone's spending habits then it's a great card potentially as well

  • @JKnKC
    @JKnKC 2 หลายเดือนก่อน +3

    I'm sure you won't see this, but LOVE your channel. Started playing the credit card game because I found your channel so thank you so much for that! The one thing I'm really struggling with is searching other airlines, like British Airways to book flights on American Airlines for my home airport of MCI (Kansas City) I'm not sure if I'm doing something wrong, or if it's not possible, but if you ever need a video idea. I'd love to see a video of finding/booking flights through other sites that aren't large city airports, if it's possible. Thanks for doing what you do

  • @Jonathan_Youngs
    @Jonathan_Youngs 2 หลายเดือนก่อน +5

    I like staying at level 2. No annual fee cards are the best, especially for cash back team which I’m currently on. We’ll see what the future holds for me! 🙂

  • @carlosnavarrete7400
    @carlosnavarrete7400 หลายเดือนก่อน

    Hello my good man, my parents are immigrants and know the basics of how to get around but never were able to explain to me in depth how things work in the U.S, I’m so glad you help people who are looking to help themselves, thanks again for the content! ❤️

  • @CheapGodiva
    @CheapGodiva หลายเดือนก่อน +2

    These are so useful. Thank you for making these so comprehensive. Excellent editing as well.

  • @Sanc7tus
    @Sanc7tus หลายเดือนก่อน +2

    My guy has the Omega Mooonwatch! A man of class!

    • @Daniel_Braun
      @Daniel_Braun  หลายเดือนก่อน +1

      Haha good eye! My favorite watch that I bought for my recent wedding, so had to start wearing it in my videos too

  • @Rhaegar7504
    @Rhaegar7504 2 หลายเดือนก่อน +1

    Daniel, thank you for mentioning the Altitude Reserve in the premium category. Nice to see the big guns start to give it the love it deserves.

  • @veerapetchpetchger5371
    @veerapetchpetchger5371 2 หลายเดือนก่อน +4

    This video couldnt have come at a better time for me thx Daniel 🙌

    • @Daniel_Braun
      @Daniel_Braun  2 หลายเดือนก่อน +3

      Love to hear that, thanks for watching!

  • @sjg6158
    @sjg6158 2 หลายเดือนก่อน

    I think you nailed it, but the most important tier is tier 1. That's what sets one up for either success or failure. You need that water under the bridge and good start to get it going. Well done Dan

  • @edsonmata4765
    @edsonmata4765 หลายเดือนก่อน +2

    Thanks for all your insight in the credit card work Daniel! I have been debating into jumping into the Venture X and putting aside the AMEX Gold with the fee increase

  • @iFrankie.
    @iFrankie. 2 หลายเดือนก่อน +33

    Amex gold is basically a coupon book 😂😂😂.
    Also Chase is creating a new card that will compete with the Black Centurion Card from AMEX soon

    • @colehammack9682
      @colehammack9682 2 หลายเดือนก่อน +4

      They already have JPM Reserve. Do you think they’re going to have another like that?

    • @iFrankie.
      @iFrankie. 2 หลายเดือนก่อน

      @@colehammack9682 from what I’ve seen so far from some reputable sites I honestly forgot what it was called but the name sounded cool and from what I also read it’s going to be hard to get kinda like centurion. Also Sapphire lounges are way better than centurion lounges

    • @jason-dj7nf
      @jason-dj7nf 2 หลายเดือนก่อน +4

      i feel like amex gold is overhyped just because it looks cool and people think it makes them look "rich"

    • @iFrankie.
      @iFrankie. 2 หลายเดือนก่อน

      @@jason-dj7nf yea but it’s cheap and anyone with a pulse can have one. It’s not bad to have tho. I have it and only use it for groceries & restaurants. CSP > AMEX gold. Csp is better for travel imo

    • @Daniel_Braun
      @Daniel_Braun  2 หลายเดือนก่อน +6

      Yeah I don't love that the Amex Gold is now more of a coupon book as well. If the credits easily fit into someone's spending habits, then that's all good! But only $220 of the credits fit into my habits personally.
      Would be interested to see if Chase launched a card like that, so we'll see!

  • @MobileSMSLocal
    @MobileSMSLocal 2 หลายเดือนก่อน +10

    Congrats on the Marriage DB! Awesome to see that your channel has GROWN SO MUCH....I've been a Sub for a few years now. Thanks for the content as well Bro!

    • @Daniel_Braun
      @Daniel_Braun  2 หลายเดือนก่อน +2

      Hey thank you so much for saying all of that and for being a subscriber for so long! Support like that makes all of this possible, so I truly appreciate it!

    • @ron1061
      @ron1061 2 หลายเดือนก่อน +1

      ​@@Daniel_BraunMarried now? No video? I knew you were engaged but when was the wedding? Congratulations, my friend! Good man and wish you and your beautiful wife the absolute best and happiness. 🎈🎈💙💙

  • @ronaldhu3zo
    @ronaldhu3zo 2 หลายเดือนก่อน +6

    My GF was Pre selected with a 90k SUB via mail (only has one credit card and no chase relationship ) I told her that is the best offer yet 😂 so now we’re almost done with the Minimum spend bonus !

    • @Daniel_Braun
      @Daniel_Braun  2 หลายเดือนก่อน +4

      That's awesome! For the Sapphire Preferred I'm assuming?

    • @ronaldhu3zo
      @ronaldhu3zo 2 หลายเดือนก่อน +2

      @@Daniel_Braun yes! I just noticed that haha.

  • @ron1061
    @ron1061 2 หลายเดือนก่อน +1

    Excellent video, Daniel! You always produce wonderful and very helpful videos and this one was cool with the great graphics and content! ❤❤

  • @basmo6803
    @basmo6803 2 หลายเดือนก่อน +5

    I'd like to see a video on the mathematics of why pursuing travel cards that get devalued regularly is better than cash back

    • @Daniel_Braun
      @Daniel_Braun  2 หลายเดือนก่อน +3

      Good idea, I'll break it down with the math in a video! Cash back has a floor value and no upside (can still be good though when optimizing the spending categories at 3-5% back). Cards that earn flexible bank bank points have more upside if you know how to redeem them and can be flexible in travel plans (but not everyone wants to do this or learn this which is understandable).

  • @kelyn346
    @kelyn346 หลายเดือนก่อน

    This is really interesting.. I love this content keep grinding man💪🙏

  • @Bangpaulxu
    @Bangpaulxu 2 หลายเดือนก่อน +2

    Appreciate your videos man! 🙏🙏🙏

    • @Daniel_Braun
      @Daniel_Braun  2 หลายเดือนก่อน +1

      Thanks for watching, appreciate the support!

  • @Willy_yumm
    @Willy_yumm 19 วันที่ผ่านมา +1

    I am a Bank of America preferred platinum rewards member. I couldn’t help but notice no mention of BofA cards. I am in the midst of a transitional period in my financial career. I haven’t used a credit card or line in over 6 months but am obviously very ready to jump back in. Is it worth pursuing a beginner level card with BofA with better cash back perks from my Platnum rewards membership rather than taking a lower one with Chase to start pursuing that path? Or would it be smarter to start getting in bed with chase now rather than later?

  • @CallMeLani
    @CallMeLani 2 หลายเดือนก่อน

    Great strategy breakdown

  • @delias17
    @delias17 2 หลายเดือนก่อน +2

    Hi Daniel, I’ve been watching your videos for a long time and you’ve helped me out tremendously throughout the past year.
    I currently have the Amex Gold and was also wanting the Venture X, however I did not get pre approved for it. I make all my payments on time and have a 750 credit score.
    Any idea why I got denied for the Venture X? I’ve heard a lot of people have the same issue.

  • @michellelam6561
    @michellelam6561 2 หลายเดือนก่อน

    New sub here. I am enjoying your content. Discover was my first card some 30 years ago (currently it is my supplemental card). Currently, I am looking for a card with better multipliers. Thinking about either the Chase Unlimited or Flex to start the Chase trifecta. Somewhere down the road I will probably get the Preferred since I want to travel more.
    Thanks for information.

  • @Sakurasan2023
    @Sakurasan2023 2 หลายเดือนก่อน +1

    Great video 📹 👍

    • @Daniel_Braun
      @Daniel_Braun  2 หลายเดือนก่อน +2

      Thank you!

  • @vvgman
    @vvgman หลายเดือนก่อน

    should you spend across all credit cards you have or should you use just one for everything? i have about 15 credit cards but i use maybe 2 or 3, i pay the balances off every month. love your channel and your info is the most logical i have viewed.

  • @wesleywilliams1186
    @wesleywilliams1186 13 วันที่ผ่านมา

    Chase needs to update their multipliers. I want to get chase but it just doesnt make sense for me. I may fly 1-3 times max a year. I need some other rewards/incentives than just flying. as of right now im just wanting the citi trifecta. That strata premier is awesome.

  • @iStorm-my5fp
    @iStorm-my5fp หลายเดือนก่อน

    Thank you

  • @chandellemarie4882
    @chandellemarie4882 2 หลายเดือนก่อน +2

    I love how well you explain this so succinctly. Perhaps you should start doing investment videos. 😂 I need help in that area, I feel like you’d be great at that as well.

    • @Daniel_Braun
      @Daniel_Braun  2 หลายเดือนก่อน +5

      Thanks Chandelle! I'm actually going to start making more personal finance videos as well, so stay tuned!

    • @chandellemarie4882
      @chandellemarie4882 2 หลายเดือนก่อน +1

      @@Daniel_Braun So happy to hear! you're my fav TH-cam educator.

    • @stafa5568
      @stafa5568 2 วันที่ผ่านมา

      @@Daniel_Braun Sure man, we need videos on investements especially.

  • @thiefmat
    @thiefmat 5 วันที่ผ่านมา

    Thoughts on the Ritz-Carlton?

  • @gruhby9546
    @gruhby9546 2 หลายเดือนก่อน

    What watch are you wearing? Looks very clean

  • @kamflo8981
    @kamflo8981 หลายเดือนก่อน

    @daniel I’m trying to teach my parents how to reach the level 3at least. They only use starter cards and max them out. Which level 2 would be good for them to increase credit limit and how to I approach them with the idea of having a higher limit card without them going crazy on spending?

  • @sjg6158
    @sjg6158 2 หลายเดือนก่อน

    Off topic about the Bilt Card, but I am very curious if it does eventually come through that we can use it for mortgage payments and earn if nothing else, points for transferring out to Hyatt, etc. Of course, if the answer is yes, some other benefit likely will go. I am very interested in seeing what happens.

  • @gonzaloriquelme5216
    @gonzaloriquelme5216 หลายเดือนก่อน

    Do you know anything about car refinancing.. would you be able to do a full breakdown video on this?

  • @Jmurcia91
    @Jmurcia91 หลายเดือนก่อน

    Can you jump from a level 2 to a level 4 credit card? I want to take advantage of the SavorOne - Venture X combination. Have the SavorOne now just want the Venture X. Unless I have to apply for the Venture first?

  • @coachanthonyburgos3971
    @coachanthonyburgos3971 หลายเดือนก่อน

    For active duty military members and veterans a good beginner card would be the Navy Federal n Rewards secured card

  • @giovannydeleon7191
    @giovannydeleon7191 2 หลายเดือนก่อน +1

    Amazing video I wish I saw this earlier I just turned 19 not that long ago and I was applying for chase but before hand I applied to other places and I wonder why they denied me.

    • @Daniel_Braun
      @Daniel_Braun  2 หลายเดือนก่อน

      Thanks for watching! Yeah it just takes some time to build up a solid foundation to climb the ladder

  • @jreyking17
    @jreyking17 2 หลายเดือนก่อน +1

    I've only had the Amazon/Chase credit card for the longest, how would I actually go about trying to move up to a new level? Just apply to a higher level credit card?

  • @nickhayzz
    @nickhayzz หลายเดือนก่อน

    I have had the discover card for like 3-4 years now and never got a new card, I buy on amazon all the time, plus gas and order food a lot. but im not sure which cards to get, simplified options but still hard to narrow down.

  • @gphysco
    @gphysco 2 หลายเดือนก่อน +2

    Question , can I get the Amex blue cash later on if I were to pay off all my charge account balances and one collection and continue building on time payments which I have ?

    • @nycc_uchiha
      @nycc_uchiha 2 หลายเดือนก่อน

      you should be able to get it later on if you pay off everything, but amex also has a apply with confidence so you’ll know if you’re approved or not without catching that hard ding

    • @Daniel_Braun
      @Daniel_Braun  2 หลายเดือนก่อน

      Definitely focus on paying off all account balances and collections before getting any additional credit cards. Build up an emergency fund of cash savings first as well - but once you're score is doing good then you can look into the Blue Cash Everyday

  • @M_att
    @M_att 2 หลายเดือนก่อน +1

    Daniel do you recommend for me to go for the capital one venture? My last card was the amex blue and bilt but I’m not feeling the amex gold

    • @Daniel_Braun
      @Daniel_Braun  2 หลายเดือนก่อน +1

      I think the current offer on the Venture card is great to go for right now if you're in the market for a new card!

  • @yitzinussbaum2831
    @yitzinussbaum2831 7 วันที่ผ่านมา

    Getting married soon about to spend 40k at a Hyatt for destination
    Currently have Amex Platinum business
    Chase Saphire prefered
    Would u recommend doing hyatt card or what crard to use ?

  • @erikk1242
    @erikk1242 2 หลายเดือนก่อน +1

    Me currently I’m currently on a beginner card I have a secured card with my local bank and got recently approved for the CFF and am looking into getting the CFU when I can. I really want to utilize the chase trifecta for traveling to help with a few of the expenses. I’m not sure if going for the BILT card once I get the CFU or wait and get the CSP? I rent so I feel like it would be more beneficial but I am also looking to travel next year in the summer. So I don’t know what would work better.

    • @Daniel_Braun
      @Daniel_Braun  2 หลายเดือนก่อน +3

      I'd look to go with the CSP first because you can get the sign up bonus of at least 60,000 points after $4,000 of spend. If you're rent was $2,000 per month, you'd have to pay rent for 30 months to earn the same 60,000 Bilt points (obviously the higher your rent, the more valuable Bilt becomes). So Bilt is a nice card to add after going for Chase cards - but I'd prioritize Chase and Capital One first in my opinion

    • @glatt1817
      @glatt1817 หลายเดือนก่อน

      Is BILT even going to be offered next year? Let me know if I fell behind on the news, but it wasn't that long ago that everyone was talking about how the card was going to go away due to it costing WF so much money.

  • @patrickcreel6690
    @patrickcreel6690 2 หลายเดือนก่อน +1

    I have the venture x and savor one duo. What should I add on after as a 3rd card? I don’t rent so Bilt isn’t really worth it for me.

    • @coachmbbrown
      @coachmbbrown 2 หลายเดือนก่อน +1

      I’ve personally explored options in expanding my card setups in different bank/transfer partner ecosystems. So maybe getting the Amex Gold (very strong for groceries/dining) or the Chase Sapphire Preferred (decent amount of spending multipliers) to expand your options for transfer partners since you’re only in Capital One’s right now.

    • @Daniel_Braun
      @Daniel_Braun  2 หลายเดือนก่อน

      I'd say to move to Chase while still under the 5/24 rule to take advantage of that value next. Capital One and Chase are great to start with early on!

  • @Jnerys99
    @Jnerys99 10 วันที่ผ่านมา

    I'm having difficulty getting approved for "Beginner Cards" since I'm still a student with no income. I do have a FICO score of 766 atm with my 5 year Discover It card. Do I need to wait until I have a job with income in order to get approved for these? I want to climb the ladder as well but seem stuck. I would appreciate any feedback. Thanks for the videos!

    • @stafa5568
      @stafa5568 2 วันที่ผ่านมา

      I think you should email him directly, since he is not really active with replying comments on youtube.

  • @TimeEnthusiast
    @TimeEnthusiast 13 วันที่ผ่านมา

    I’ve had the same Wells Fargo credit card for atleast 5 years, how can I upgrade?

  • @connorstecher531
    @connorstecher531 หลายเดือนก่อน

    What would you say the credit range is for each type of level of credit card.

  • @sergioramirez1693
    @sergioramirez1693 2 หลายเดือนก่อน

    I’ve been getting offers from chase sapphire preferred an the business ink, capital one to get the venture and Amex offers for their gold/platinum/rose gold cards. Right now i have a chase freedom unlimited and an old capital one platinum card, idk what i should get next chase trifecta, Amex card or capital one venture card 😅

    • @Daniel_Braun
      @Daniel_Braun  2 หลายเดือนก่อน

      Chase cards make sense to get first while under the 5/24 rule. Then you can try out that setup for a year to see if you like it while getting those bonuses - and later on you can expand to other issuers like Capital One next and eventually Amex if those cards make sense with their credits

  • @drewconway7135
    @drewconway7135 2 หลายเดือนก่อน

    Which program do you use to make your videos, and do you have a referral link? 🙂

    • @Daniel_Braun
      @Daniel_Braun  2 หลายเดือนก่อน

      My editor does all of the work here! Not sure what programs he uses to get these visuals and effects

  • @ryanbrilliant6793
    @ryanbrilliant6793 หลายเดือนก่อน

    Which is the best credit card to build up air miles.

  • @coreyw5981
    @coreyw5981 2 หลายเดือนก่อน

    Im still sad C1 will never let me have a venture x because i have too many accounts (im on card 9). They only offer for me to apply for the venture one 😒

  • @JS49614
    @JS49614 หลายเดือนก่อน

    Why would I have a 7k limit on a Venture Rewards card but then just yesterday only be approved for a Savor One card with a $300.00 limit? Seems horrible

  • @ahmadshehadeh3705
    @ahmadshehadeh3705 2 หลายเดือนก่อน +1

    I have discover it since 11 months and capital one platinum since around 7 months, my credit score is 745 and im planning to get amex gold card what do u think?

    • @deployable
      @deployable 15 วันที่ผ่านมา

      If you can get it, get it lol

  • @HoLyDMaN333
    @HoLyDMaN333 หลายเดือนก่อน

    You forgot the Discover Miles card with 1.5x points per dollar. No fee. Thoughts?

  • @favianromero7023
    @favianromero7023 2 หลายเดือนก่อน +1

    How long should I stick with the card until I apply for next one

    • @stafa5568
      @stafa5568 2 วันที่ผ่านมา

      3 to 6 months

  • @jok280
    @jok280 2 หลายเดือนก่อน +1

    Only too me two years but I’m at the top

    • @Daniel_Braun
      @Daniel_Braun  2 หลายเดือนก่อน +1

      Great to hear! It doesn't take too long which is good

  • @janetwhite8374
    @janetwhite8374 2 หลายเดือนก่อน +7

    Venture x keep telling me to kick rocks with credit score 800 + and 6 figure income 😅

    • @jacobmontes5000
      @jacobmontes5000 2 หลายเดือนก่อน

      lol

    • @AgalmicAutomata
      @AgalmicAutomata 2 หลายเดือนก่อน +1

      Sounds like they dont want someone who wont rack up interest debt

    • @soapa4279
      @soapa4279 2 หลายเดือนก่อน

      That’s what happen to me. Getting denial for a Venture X while having good credit and a high income is now a compliment 😂
      Congrats, you’re financially responsible!

    • @Daniel_Braun
      @Daniel_Braun  2 หลายเดือนก่อน +5

      Yeah it's honestly starting to get pretty annoying with how the treat approvals. I've got a good video idea to talk more about stuff like this!

    • @lrnasigo1
      @lrnasigo1 2 หลายเดือนก่อน

      I have similar stats and I haven’t applied yet. Showing some love to the Savor One, hoping to bring some favor my way.

  • @LesterOsorio-b7c
    @LesterOsorio-b7c หลายเดือนก่อน

    im 16 right now, how would i start my credit ?

  • @griffielliott279
    @griffielliott279 2 หลายเดือนก่อน

    How come Navy federal cards don't fit the list?

  • @ishaqhalimi5296
    @ishaqhalimi5296 หลายเดือนก่อน

    chase sapphire referred or venture x

  • @edwindejesus4670
    @edwindejesus4670 2 หลายเดือนก่อน

    Are citi thank you points different from like 5x reward or cash back?

    • @Daniel_Braun
      @Daniel_Braun  2 หลายเดือนก่อน +1

      The Citi Custom Cash earns 5x Thank You Points which can be turned into cash back at a rate of 1 point = 1 cent. Or they can be combined with the Citi Strata Premier where you can transfer points to redeem at potentially higher values if you know how to book award travel with different hotel and airline programs

  • @fiftysixscgex
    @fiftysixscgex 2 หลายเดือนก่อน +1

    this is my super bowl.

    • @Daniel_Braun
      @Daniel_Braun  2 หลายเดือนก่อน +2

      Me too, I love making videos like this haha

  • @gsand2892
    @gsand2892 2 หลายเดือนก่อน

    How many months should I build up my credit history with while using card 1 (my Discover It), before I apply and get card 2??

    • @jaircaro5806
      @jaircaro5806 2 หลายเดือนก่อน

      Usually is recommended to get another credit card after 6 months of use with your first credit card. Your credit history would then average between both credit cards.

    • @Daniel_Braun
      @Daniel_Braun  2 หลายเดือนก่อน

      I'd say 6-12 months, whatever you're comfortable with. Focus on building good habits with card 1 more than anything else, and then eventually move on to better cards in year 2

    • @gsand2892
      @gsand2892 2 หลายเดือนก่อน

      @@Daniel_Braun Okay thank you for the advice! I’m actually in my third year with this discover card and no missed payments. Could I make the move? Would it hurt my credit?

    • @Daniel_Braun
      @Daniel_Braun  2 หลายเดือนก่อน +1

      @@gsand2892 yeah you can definitely go for the next card if your score is good with that credit history! Applying will lead to a hard inquiry and a temporary small drop in your score that goes away very quickly, and I’ve got some more video about credit score on my channel that you can check out about that 👍

    • @gsand2892
      @gsand2892 2 หลายเดือนก่อน +1

      @@Daniel_Braun thank you so much!

  • @masonbaker7128
    @masonbaker7128 2 หลายเดือนก่อน +1

    🐐

    • @Daniel_Braun
      @Daniel_Braun  2 หลายเดือนก่อน +1

      Thanks for watching Mason!

  • @fps197
    @fps197 2 หลายเดือนก่อน +1

    I just got upgraded automatically to chase freedom unlimited after being on the beginner freedom rise for a year, what’s next? I care about cash back, not much travel. This is the only cc I hold. Any suggestion would be greatly appreciated!

  • @lukejones1780
    @lukejones1780 หลายเดือนก่อน

    What if u only have debt and no negatives

  • @tamarakopteva7483
    @tamarakopteva7483 2 หลายเดือนก่อน

    Can anyone confirm if the cards that have multipliers on gas and grocery work at places like Sam's Club and Costco? From what i've read, I don't think those places are eligible.

    • @erikk1242
      @erikk1242 2 หลายเดือนก่อน

      Most cards that are grocery stores don’t work on superstores like Walmart and target but most work on supermarkets. It really depends what they categorize their business as. For gas I use Sam’s and it does work as long as you have the cc linked to the sams mobile app and use it at the gas pump I don’t have Costco but I imagine it’s the same

    • @Daniel_Braun
      @Daniel_Braun  2 หลายเดือนก่อน

      Ususally wholesale clubs don't code as grocery stores - not sure about gas for Sam's Club specifically

    • @tamarakopteva7483
      @tamarakopteva7483 2 หลายเดือนก่อน

      @@Daniel_Braun What do you think about the Sam’s Club Mastercard if I can’t get good returns from this retailer with other credit cards? Doesn’t seem bad with 5% back on gas and club purchases, just wanted your input.

  • @Fredoom1473
    @Fredoom1473 2 หลายเดือนก่อน

    Why did not you mention the Citi Costco Card?

    • @Daniel_Braun
      @Daniel_Braun  2 หลายเดือนก่อน

      A fine Level 2 option to add for Costco members! I can't mention every card, and this is also a cash back focused card so there's less options with it compared to flexible point cards. Still a great card for gas, dining, and Costco!

  • @XxZIMBxX
    @XxZIMBxX 2 หลายเดือนก่อน

    Does Amex gold work at Costco?

    • @Daniel_Braun
      @Daniel_Braun  2 หลายเดือนก่อน

      No you can’t. Costco also counts as a wholesale club and not a grocery store, so it wouldn’t earn 4x points anyway

    • @iFrankie.
      @iFrankie. 2 หลายเดือนก่อน +1

      Costco does not accept Amex.

  • @akidataylor7377
    @akidataylor7377 2 หลายเดือนก่อน +1

    Net worth 1,000,000 or 850 credit score??

  • @billwright2176
    @billwright2176 2 หลายเดือนก่อน

    Why is the platinum rated above others??? It's not prestigious or a good card for most the people who have it

    • @Daniel_Braun
      @Daniel_Braun  2 หลายเดือนก่อน

      It’s not rated above others - the annual fee is just higher and there’s more potential benefits. Thats sort of the idea with the credit card ladder and this video - as the annual fees increase, so do the potential benefits and value. But also the potential market gets narrower because not everyone will find the card good for their situation, like you said

  • @CalebKendrick-ok3dj
    @CalebKendrick-ok3dj 2 หลายเดือนก่อน

    With the recent data breach, are you concerned about your ssn getting stolen and your credit messed up? Should we freeze our credit?

  • @Justin-tg3jp
    @Justin-tg3jp หลายเดือนก่อน

    I heard chase isn’t that good of a bank

  • @swampbiketeam8794
    @swampbiketeam8794 หลายเดือนก่อน

    Hello will doing this help me that I have $14000 in Credit Card debt

    • @zionacho7702
      @zionacho7702 หลายเดือนก่อน

      The method yt videos pointed to isn’t really working for fixing your credit, finance and approvals.. Credit Backdoors is the solution to all bad credit reports, negative items, finance & approvals 👌

    • @zionacho7702
      @zionacho7702 หลายเดือนก่อน

      Their abilities to swiftly resolve issues with credit distinguish them from those well known companies. You’re the best credit backdoors keep up the good work and thanks for fixing people’s credit.

  • @raywang3572
    @raywang3572 2 หลายเดือนก่อน +1

    How to get black card

    • @Daniel_Braun
      @Daniel_Braun  2 หลายเดือนก่อน +3

      I really hope someone can send me their black card to unbox and review for the channel! Would love to make an in depth video on it

  • @Just_Stevo
    @Just_Stevo 2 หลายเดือนก่อน +1

    Chase multipliers are complete trash. All they have is Hyatt.

    • @Daniel_Braun
      @Daniel_Braun  2 หลายเดือนก่อน +1

      Long term, yes I agree the multipliers are better on some other cards. Sort term, it makes sense to at least try out Chase cards because there is a ton of value on the table.
      Hyatt is definitely an advantage that Chase has - without Hyatt, a lot would change for the way the Chase Trifecta is viewed

  • @Anonymous-do8jg
    @Anonymous-do8jg หลายเดือนก่อน

    My advice would be to stay away from Chase credit cards because they have the worst categories.

  • @SOXGATORS
    @SOXGATORS 2 หลายเดือนก่อน +1

    👍🏻

    • @Daniel_Braun
      @Daniel_Braun  2 หลายเดือนก่อน +1

      Thanks as always for stopping by and watching!

  • @joshuawilliams6800
    @joshuawilliams6800 2 หลายเดือนก่อน

    Yeah, none of your followers are going to end up with a Centurion card.

    • @AJ-ew7kr
      @AJ-ew7kr หลายเดือนก่อน +3

      LMFAO you def won’t 🤣🤣🤣

  • @AhmadKhwajazada
    @AhmadKhwajazada 2 หลายเดือนก่อน +2

    First

    • @Daniel_Braun
      @Daniel_Braun  2 หลายเดือนก่อน +1

      You got it! Thanks for the first comment 🥇