Update: Sadly the unlimited cash back match from Chase is gone. The new non public offer for an additional 1.5% for up to $20,000 in purchase is decent assuming you’re able to capture the spend. Best of luck and the link for the offer is above!
If I applied during the promotional period, and got approved before the offer expired where would I be able to find out if my application is part of the promo if my perks just show the standard benefits?
I got it like around the first time you started talking about it does it end at the end of your first year or is it ended for everyone? Idk something doesn't seem right
Got approved for the discover it card! I’m 22 now and my only line of credit is my car, so having this card should be able to get me to mid 700s in no time
@@Ecstasy_Hadesyes it’s very easy. I initially applied for Discover It as my first credit card 2.5 years ago. Started with a $500 credit limit, now after 2.5 years of good spending habits my credit limit’s $11,000
Your videos like this help me get my first credit card and grow my credit 3 years ago. Now next year I’ll be able to take a trip to Tokyo Japan free with one of the travel credit card you recommended with the cash back. Thank you 🙏🏻!! Now I’m helping my sister to get her first credit card with this video 👍🏻
Thanks for the feedback!! The CS is hard due to a variety of factors but for the most part its 670+. However, just by having the crowd score does not guarantee approval.
@@newagain9964 1 about 2 months prior. They denied me because of -lack of chase internal products - lack of credit history (less than 6 Months on my personal cards)
@@Playerone3 The offer is already over men... :( sorry It has been over for a couple of days... Now there is one that is an extra 1.5% on everything... not. As good but good non the less
This was a month ago. Now what’s crazy. Is got approved for the unlimited at. 650 credit. Now at equfax I’m at 720 and transunion 749. I have about 26k in points so far. Just waiting to get pre approved for the freedom.
None of these cards you’re going to get approved for. Get the Capital One SavorOne for good credit you will get a 500 CL and then get the chase freedom rise with a 500 CL and then discover it with a 500 CL but discover will require your tax return for proof of income.
I ended up going WF Autograph as the card for some 3% categories on the chance they transfer partners are solid. QS over S1 due to simplicity and WF over S1 due to potential at transfer partners. All that said Savor One is a great card
@@johnsfinancetips If someone was to have a S1 along side a Venture 1, would you be able transfer your cash back from your S1 card to miles on your V1 card and use travel partners from there?
Damn man just realized you put a picture of quicksilver one when you said that and i applied for that one instead of the one you actually said. Im a visual dummy :(
@@johnsfinancetips Hi, i have no credit score or credit history. Just 2 month ago opening my account. I got rejected by Bofa Credit Card. Try to apply for discover it but they ask for deposit. Do you think it’s good?
My parents and I are in the process of getting me my first credit card as I'm getting ready to live on my own for the very first time. I'm still a bit nervous about credit cards because I want to stay debt free and want to make sure that my first credit card is the right one for me.
American Express has been pretty good to me. The Blue Cash Everyday is probably the best one for someone not traveling via plane all the time, especially as a beginner. 3% back on gas, 3% back on supermarket groceries (Walmart and Target don’t count, think ALDI/Food Lion) I’m currently having to wait another year if I want a Chase Card because if you open 5 credit accounts in the last 2 years you get auto declined. And a tip, use it only as you would your debit card. Don’t spend extra just because you can pay it later. That’s how you get into debt. I have never payed credit card interest and don’t intend to.
Just use it when you have the money and pay it immediately and you should be ok and debt free. The credit card doesn’t really matter as they all will build your credit however if you’re looking for perks then that may depend on who you are as a person and what you’re looking to benefit from as in travel, dining, flight, travel, gas, entertainment, and free services (DoorDash, music, streaming, etc) or insurance that these cards may offer.
Dam, I am kind of sad that you didn't mention the CFU Public bonus also gets 5% cashback on Grocery and Gas on up to $12,000 in spend, one has to spend at least $13,333 before that 3% Catch all actually out earns the $200 + 1.5% Catch all OR $6,666 in Dining/Drugstores when the 6% categories beat the $200 + 3% Dining/Drugstores
I received the flex during this offer period and did not receive the 5% bonus on groceries. I called chase and they wouldn't do anything about it either -- make sure the link you click explicitly offers it, as some links may not carry the offer even if it's running in most other places.
I have been thinking about this nonstop for the past week. His vids make me feel like I needa jump on the CFU bonus asap but I've been doing the calculations n idk if it's that worth it for me compared to the other SUB of $200 + 5% gas/groceries (CFF has this same SUB too btw)
Hey brother I have a questions in regards to the freedoms chase card . What exactly do you mean by all the catch up coming in after the first year if we get the elevated bonus?
They wont give you the bonus, (cash back) every month, instead they will add up all the bonuses each month and give it to you all at once at the end of the year.
Hey John! I used your referral link to apply for the CFU a few weeks ago, and I just got it! My question is: I can't see anything about the CashBack Match offer on my account, so how do I know that I got it?
I’ve been binging your videos all day, and I have a question about the correct time to make a monthly payment on your card. When you say “pay your card off in full,” you mean what is owed, right? On the statement date, however, wouldn’t it look bad to the bureaus if they see that you’re “not using the card” by not having any debt? Should I pay half on the statement date and the other half before the due date? Or just pay the full amount before the statement date?
Heyo! Quick question. I started with the quicksilver one and I've been managing it pretty well and paying in full. Nearing the mark for 6 months soon and i was curiosity if any of these would make a great second credit card? Kinda looking at the discover it card
Discover it student card was my first, I would recommend. They even forgave my first late payment after I forgot a couple years in and being on time entirely beforehand.
What credit score you need to get these cards? Chase offered me their new Freedom Raise 5 months ago and I’m not sure when to apply for my next credit card nor if I have the right credit score to get approved.
Do you think the discover it is good for me. I make a good amount and often eat out for lunch and other essentials during work. Would there be a better card to help me maximaize savings.
Card is trash anyways. They only report once a month on payments.. But they will report every day when you use it. almost 2024 and its like computers and the internet just came out
@@SpaceRanger187 I have the Citi secured card for like 8 months and then out of nowhere they closed my account for suspicious activity. Probably cause I was maxing it out every week and then paying it off. But that’s on my other credit profile.
Have any relations with any bank? I had long chequing and savings relations with chase, and was able to get my first card with them because of that. I then got a Discover card which gave me miniscule limits for a credit history of 2 months. I suggest trying out your local branch through an appointment first, and if that doesn’t work then go with Discover. In 6 months to a year, you can get other cards much more easily
Do we know how long this hidden chase offer may stick around? i’m not quite ready for another card (expecting to be around summer) hoping not to miss out on this offer.
No, average length of total credit history helps keep your credit scores high, older cards help the average more, you will still want high scores to open the higher tier cards, meaning it is advantageous to open cards you don't have to get rid of
So I applied for the chase freedom unlimited card and got declined despite having a credit score of 717, is there a reason for this or is there something im missing?@@kura_bot
@@Black-eHanma, I wish I could tell you but I don't know, Some banks will auto deny if they don't like your debt to income ratio, or the amount of cards you opened recently, or if they simply don't see you as profitable, they don't give exact reasons just general directions like that because if people knew the exact numbers for thresholds they would game the system
Hello John, I’m very new to credit and I was wondering if I’ll be able to get cash back with Chase credit cards instead of miles or is it only miles(points)?
I just got approved for the CFU, even though it’s my first card and I have no credit score! However, I only seem to have the $200 intro offer, where can I also apply the cashback matching?
Yo have you ever tried the credit card method in a way that when you pay off one card you that credit card pay off the next one and the next one pays off the next ? What’s your opinion on it ?
I would like your opinion on everyday cash back card with a 660 credit score. I will no longer use my DEBIT card, will be using BILT for rent. Can you suggest my best way.
Me personally I went for the Discover it student card, I got accepted with no credit and im still using it. Chase denied me for the unlimited card despite having a credit score of 717 but I think its because my credit history is still only 6 months. So if you dont wanna be denied id say go for the Discover card.
Yes at the base level it's 1.5% everywhere, plus the Chase eco system. However, directly out of high school, you might have a limited credit profile and getting approved from Chase might be difficult
Benefit you actually you never want to close an account so downgrading won’t close your account it will just be downgrading to a non annual fee membership.
I have to update to the most recent. Unfortunately COSTCO is 1.5%. Based on last statement. I need revisit cardholder agreement as they might add an extra 1.5% at the end of first year. At least they clearly stated that Target and Walmart not eligible for 3% promo grocery. So pay attention!
Thanks John, just signed up for the CFU using your link! How do we know if we received the match offer? There isn't anything noted or called out regarding this when I log into my Chase account page or credit card page
TD has a standard 2% cashback card, most people end up talking about them because the cashback is just cash back it's not playing with any of the big bank ecosystems. Other 2% Cards, like the Wells Fargo reflect in the Citi double cash give you better points Potential
@@johnsfinancetipsis that the same for the TD REWARDS Visa? I was pre approved and looking to build my non existent credit so I just grabbed that one. It will help me build a history correct? I realize it's not that great but needed something
I know that you want your credit card utilization under 30% when the statement date ends… my question is does it matter how much you spend on the card if you pay it back down before the close date? $800 limit Say I spend $400 (50%) If I pay $200 on it prior to the statement ending and I pay the remainder off on the due date will the keep me in the clear or is that a red flag of any sort?
If you pay it back before the close date then it doesn't matter, however I did see a datapoint earlier today in an unrelated topic, that mentioned the bank itself might flag that as suspicious behavior even if they don't report high utilization to the credit agencies, suspicious behavior is grounds for the bank to shut down your card if they so chose, which is what happened to the person. I would err on the side of caution and just avoid maxing it out too much even if you intend to pay early
@@kura_botman i got my first credit card recently and got $500 limit been using it and making multiple payments to have more balance available lol. didn’t know it could be seen as suspicious. i guess i’ll just keep it below 30% and then start using my debit 😅
Bruh i just wanna know what card i should get to build my credit up more and when i should pay it to get the most out of my score bumping up. All these other numbers are just confusing to us actual beginners lol
@michaelhorgan9525 oh okay thank you so much, I'll start talking to my mom about it because I wantbto move out as soon as possible and I have like 7k saved up and I'm 16
Chase will also open an unsecured line of credit if you have a long term bank account with them. They also have the freedom rise which only needs $250 in a checking account as long as you are not rebuilding credit.
what credit card would you recommend someone with a 750+ credit score ive only had 1 credit card my whole life and it was a union member credit card i dont use it anymore its most likely closed out now, in a search for a credit card with great benefits in a long term use
Depends on what you want in terms of rewards, and if you are okay with an annual fee/travel a lot. With that score the American Express Blue Cash Everyday with no problem. No annual fee, 3% back on groceries from supermarkets (not Walmart. Think Food Lion/ Piggly Wiggly) 3% on gas, and 3% for online retail purchases. 1% everything else
Are those cards available to apply for in italy (EU in general) ? Because every time I search for a card application they always mention that you need to be a US citizen/resident in order for you to get it. And also what are the best cards you can get in Europe if anyone have some info it would be appreciated.
Ive already saved thousands with my chase account but it says to qualify for the freedom unlimited card, I would need excellent to good credit and i have neither??? So can i still qualify ?
If you're asking if it's good, it's pretty good. A above tier imo since it has 3% cash back on gas and groceries and that's what I spend a lot of my money on
I just turned 19 years old can I talk to you personal one on one about cards and loans I don’t have any knowledge about it my parents are always saying that credit cards are bad but I know you can use the cards in your favor
Update: Sadly the unlimited cash back match from Chase is gone. The new non public offer for an additional 1.5% for up to $20,000 in purchase is decent assuming you’re able to capture the spend. Best of luck and the link for the offer is above!
With that change do you still think it’s at the top of the list?
If I applied during the promotional period, and got approved before the offer expired where would I be able to find out if my application is part of the promo if my perks just show the standard benefits?
Where’s the link I can’t see it
I got it like around the first time you started talking about it does it end at the end of your first year or is it ended for everyone? Idk something doesn't seem right
With this change would you still recommend this for #1? If not, who would take it?
Got approved for the discover it card! I’m 22 now and my only line of credit is my car, so having this card should be able to get me to mid 700s in no time
Is it easy to get approval.?
@@Ecstasy_Hadesyes it’s very easy. I initially applied for Discover It as my first credit card 2.5 years ago. Started with a $500 credit limit, now after 2.5 years of good spending habits my credit limit’s $11,000
I’ve been using my car payments as a way to build up my credit and people look at me funny for it lol
@@Ecstasy_Hades yes it was my first card at 19 and got approved easily
@@Ecstasy_Hadesit’s not hard at all. I barely had any credit at the time and got approved for 3k.
Your videos like this help me get my first credit card and grow my credit 3 years ago. Now next year I’ll be able to take a trip to Tokyo Japan free with one of the travel credit card you recommended with the cash back. Thank you 🙏🏻!! Now I’m helping my sister to get her first credit card with this video 👍🏻
Which travel card?
I think you should start putting average credit score required per card. Thanks for the vid
Unfortunately it’s not so much the credit score more so your credit history. I’ve gotten denied from chase twice with a 764.
Thanks for the feedback!! The CS is hard due to a variety of factors but for the most part its 670+. However, just by having the crowd score does not guarantee approval.
@@Embrxceyourdemonshuh? How many new cards did u open in last 24 mos at time of app?
@@newagain9964 1 about 2 months prior. They denied me because of
-lack of chase internal products
- lack of credit history (less than 6
Months on my personal cards)
Same!!@@Embrxceyourdemons
That freedom offer is crazy. I just applied! I REALLY hope a get accepted! Thanks a lot for the video. LIKED and SAHRED with my family.
Hey my names Emanuel also brother so you gotta help me out where is this link I’ve been trying to find it
@@Playerone3 The offer is already over men... :( sorry
It has been over for a couple of days...
Now there is one that is an extra 1.5% on everything... not. As good but good non the less
This was a month ago. Now what’s crazy. Is got approved for the unlimited at. 650 credit. Now at equfax I’m at 720 and transunion 749. I have about 26k in points so far. Just waiting to get pre approved for the freedom.
Any update lol
whats your update
This is perfect, been looking at credit cards turn 18 in the next month
me too! what day?
None of these cards you’re going to get approved for. Get the Capital One SavorOne for good credit you will get a 500 CL and then get the chase freedom rise with a 500 CL and then discover it with a 500 CL but discover will require your tax return for proof of income.
@@1stBNDeathWalkers6thMarines would it be easier to get the savor one student or the fair credit (for a first card with no history)
Best luck with your first credit card!
Pllllease don’t slack on starting it!! I’m turning 20 this month & all my friends already getting nice shit because their credit is 760+ 😭
I like chase but honestly prefer a no foreign transaction fee like the silverone, especially because i travel a lot.
The Chase Sapphire Preferred and Reserve both have no foreign transaction fees. I use it all the time abroad
Kinda crazy how the Quick Silver made it over the Savor One card from Capital One
I ended up going WF Autograph as the card for some 3% categories on the chance they transfer partners are solid. QS over S1 due to simplicity and WF over S1 due to potential at transfer partners.
All that said Savor One is a great card
@@johnsfinancetips If someone was to have a S1 along side a Venture 1, would you be able transfer your cash back from your S1 card to miles on your V1 card and use travel partners from there?
And the V1 card also has no Annual fee so intern it’s a free no annual fee combo for 10% Ubers 3% dining, entertainment, etc… and travel partners
How come the website says that the quicksilver capital one credit card has an annual fee of $75???
@@ryanfrausto897if you have a lower score you can get the quicksilver one. I have the standard quicksilver and do not have to pay an annual fee.
Damn man just realized you put a picture of quicksilver one when you said that and i applied for that one instead of the one you actually said. Im a visual dummy :(
I was actually thinking of getting the chase freedom as my 2nd card. Discover was my first
Haha me too! This would be good to get into the chase ecosystem
Haha I went Discover IT then Chase Freedom as my 1 and 2
I just got the freedom unlimited as my second card😂
@@johnsfinancetips Hi, i have no credit score or credit history. Just 2 month ago opening my account. I got rejected by Bofa Credit Card. Try to apply for discover it but they ask for deposit. Do you think it’s good?
My first card ever was the freedom rise.
That makes sense
My parents and I are in the process of getting me my first credit card as I'm getting ready to live on my own for the very first time. I'm still a bit nervous about credit cards because I want to stay debt free and want to make sure that my first credit card is the right one for me.
American Express has been pretty good to me. The Blue Cash Everyday is probably the best one for someone not traveling via plane all the time, especially as a beginner. 3% back on gas, 3% back on supermarket groceries (Walmart and Target don’t count, think ALDI/Food Lion)
I’m currently having to wait another year if I want a Chase Card because if you open 5 credit accounts in the last 2 years you get auto declined.
And a tip, use it only as you would your debit card. Don’t spend extra just because you can pay it later. That’s how you get into debt. I have never payed credit card interest and don’t intend to.
Just use it when you have the money and pay it immediately and you should be ok and debt free. The credit card doesn’t really matter as they all will build your credit however if you’re looking for perks then that may depend on who you are as a person and what you’re looking to benefit from as in travel, dining, flight, travel, gas, entertainment, and free services (DoorDash, music, streaming, etc) or insurance that these cards may offer.
Dam, I am kind of sad that you didn't mention the CFU Public bonus also gets 5% cashback on Grocery and Gas on up to $12,000 in spend, one has to spend at least $13,333 before that 3% Catch all actually out earns the $200 + 1.5% Catch all
OR
$6,666 in Dining/Drugstores when the 6% categories beat the $200 + 3% Dining/Drugstores
he definitely didn't mention cuz dude's gotta make his money when you use his link haha
I received the flex during this offer period and did not receive the 5% bonus on groceries. I called chase and they wouldn't do anything about it either -- make sure the link you click explicitly offers it, as some links may not carry the offer even if it's running in most other places.
I have been thinking about this nonstop for the past week. His vids make me feel like I needa jump on the CFU bonus asap but I've been doing the calculations n idk if it's that worth it for me compared to the other SUB of $200 + 5% gas/groceries (CFF has this same SUB too btw)
🎉🎉🎉 and I’m building my credit still
Hey brother I have a questions in regards to the freedoms chase card . What exactly do you mean by all the catch up coming in after the first year if we get the elevated bonus?
They wont give you the bonus, (cash back) every month, instead they will add up all the bonuses each month and give it to you all at once at the end of the year.
Great question! It just means that all the bonus cashback match points will be deposited in month 12
Hey John! I used your referral link to apply for the CFU a few weeks ago, and I just got it! My question is: I can't see anything about the CashBack Match offer on my account, so how do I know that I got it?
Me as well. I was wondering the same.
I’ve been binging your videos all day, and I have a question about the correct time to make a monthly payment on your card. When you say “pay your card off in full,” you mean what is owed, right? On the statement date, however, wouldn’t it look bad to the bureaus if they see that you’re “not using the card” by not having any debt? Should I pay half on the statement date and the other half before the due date? Or just pay the full amount before the statement date?
Before statements ends if you want to build credit. Keep the amount to 10% or under.
Just applied for the Amazon card for my first credit card. Thank you for all the great info
Hey man I’m looking for my first card! Did you get it? And how do you like it
@@novak4130 unfortunately I didn’t, however I got the discover student one card and it’s fantastic.
can you do a review on Cheapoair credit card .Is it a valid good card to have in the arsenal ?
Heyo! Quick question. I started with the quicksilver one and I've been managing it pretty well and paying in full. Nearing the mark for 6 months soon and i was curiosity if any of these would make a great second credit card? Kinda looking at the discover it card
Discover it student card was my first, I would recommend. They even forgave my first late payment after I forgot a couple years in and being on time entirely beforehand.
What are the penalties like for cancellations or what is the safest way to cancel a credit card
I would say it’s better to lower your credit limit to not use as much
What credit score you need to get these cards? Chase offered me their new Freedom Raise 5 months ago and I’m not sure when to apply for my next credit card nor if I have the right credit score to get approved.
Most around 670+ and Freedom Rise doesn't have a credit score requirement
Can you do a review or comparison to a chase setup vs a wells fargo setup? Since WF just announced their new journey card
Do you think the discover it is good for me. I make a good amount and often eat out for lunch and other essentials during work. Would there be a better card to help me maximaize savings.
You gotta have a FICO score for any citi cards was denied for that and called recon and said they couldn’t over turn it due to no fico score
Card is trash anyways. They only report once a month on payments.. But they will report every day when you use it. almost 2024 and its like computers and the internet just came out
@@SpaceRanger187 I have the Citi secured card for like 8 months and then out of nowhere they closed my account for suspicious activity. Probably cause I was maxing it out every week and then paying it off. But that’s on my other credit profile.
Have any relations with any bank? I had long chequing and savings relations with chase, and was able to get my first card with them because of that. I then got a Discover card which gave me miniscule limits for a credit history of 2 months.
I suggest trying out your local branch through an appointment first, and if that doesn’t work then go with Discover. In 6 months to a year, you can get other cards much more easily
Do we know how long this hidden chase offer may stick around? i’m not quite ready for another card (expecting to be around summer) hoping not to miss out on this offer.
For my second credit card, as a college student with no job but good credit, will I get approved for the chase card?
If I am climbing the credit card latter when do you recommend getting rid of previous cards from lower tiers in the latter?
No, average length of total credit history helps keep your credit scores high, older cards help the average more, you will still want high scores to open the higher tier cards, meaning it is advantageous to open cards you don't have to get rid of
Never, set up auto pay on something, pay the bill and if it’s got an annual fee downgrade
@@hypechris8879made the mistake of getting one with annual fee, would you mind to explain the downgrade thing?
So I applied for the chase freedom unlimited card and got declined despite having a credit score of 717, is there a reason for this or is there something im missing?@@kura_bot
@@Black-eHanma, I wish I could tell you but I don't know, Some banks will auto deny if they don't like your debt to income ratio, or the amount of cards you opened recently, or if they simply don't see you as profitable, they don't give exact reasons just general directions like that because if people knew the exact numbers for thresholds they would game the system
Is capital one premium good? I got that
Hello John, I’m very new to credit and I was wondering if I’ll be able to get cash back with Chase credit cards instead of miles or is it only miles(points)?
If I have no credit history would the discover it student card be a good pick?
Yeah that's a good start 👍
I just got approved for the CFU, even though it’s my first card and I have no credit score! However, I only seem to have the $200 intro offer, where can I also apply the cashback matching?
congrats on the card!! that's huge as a first card. Unfortunately you can not get both cash back match and $200 offer
If you have a Chase bank account you can get a credit card from them.
You sound just like Jimmy Wong from Game Nights/VGHS
thats crazy
For the chase card , is it easy to get approved?
Can you do a video about the Discover travel credit card ?
Yo have you ever tried the credit card method in a way that when you pay off one card you that credit card pay off the next one and the next one pays off the next ? What’s your opinion on it ?
I would like your opinion on everyday cash back card with a 660 credit score. I will no longer use my DEBIT card, will be using BILT for rent. Can you suggest my best way.
What card can I get with a 600 score? Do I go with the cards I’m getting told on Experian?
Don’t, more often than not it’s not a good company especially credit one that is the worst card you can get
For someone that has basic spending and is about to get out of high school the chase unlimited will be the best card to use?
Me personally I went for the Discover it student card, I got accepted with no credit and im still using it. Chase denied me for the unlimited card despite having a credit score of 717 but I think its because my credit history is still only 6 months. So if you dont wanna be denied id say go for the Discover card.
Yes at the base level it's 1.5% everywhere, plus the Chase eco system. However, directly out of high school, you might have a limited credit profile and getting approved from Chase might be difficult
What's the best credit card to sign up for with no credit history? @@johnsfinancetips
I have the chase sapphire prefered and I was thinking on down grading to freedom unlimited. Would that benefit me or hurt my credit
Benefit you actually you never want to close an account so downgrading won’t close your account it will just be downgrading to a non annual fee membership.
Unlimited at least for me has more value taking into consideration 5% grocery cashback as the only VISA accepted by Costco.
I have to update to the most recent. Unfortunately COSTCO is 1.5%. Based on last statement. I need revisit cardholder agreement as they might add an extra 1.5% at the end of first year. At least they clearly stated that Target and Walmart not eligible for 3% promo grocery. So pay attention!
What does cash back and the percentage means?
New year new cards list let’s goooooo
I currently have the Venture X and the Chase Freedom Unlimited. I’m waiting for that 80k offer for the CSP. What card should I get next?
I’m hoping next big Chase sapphire line welcome offer is at least 90k. CSP or CSR, I’ll take it.
which one of these are the best for a first time credit card in the UK? I'm at university so will be paying accommodation which is 2300.
Thanks John, just signed up for the CFU using your link! How do we know if we received the match offer? There isn't anything noted or called out regarding this when I log into my Chase account page or credit card page
Do he response
Do you know anything about the TD bank credit cards? I've never heard anyone talk about those
TD has a standard 2% cashback card, most people end up talking about them because the cashback is just cash back it's not playing with any of the big bank ecosystems. Other 2% Cards, like the Wells Fargo reflect in the Citi double cash give you better points Potential
@@johnsfinancetipsis that the same for the TD REWARDS Visa? I was pre approved and looking to build my non existent credit so I just grabbed that one. It will help me build a history correct? I realize it's not that great but needed something
I know that you want your credit card utilization under 30% when the statement date ends… my question is does it matter how much you spend on the card if you pay it back down before the close date?
$800 limit
Say I spend $400 (50%)
If I pay $200 on it prior to the statement ending and I pay the remainder off on the due date will the keep me in the clear or is that a red flag of any sort?
Anytime you spend more of your overall credit limit on that line than 20 to 30%, It ding your credit a little bit, i think
If you pay it back before the close date then it doesn't matter, however I did see a datapoint earlier today in an unrelated topic, that mentioned the bank itself might flag that as suspicious behavior even if they don't report high utilization to the credit agencies, suspicious behavior is grounds for the bank to shut down your card if they so chose, which is what happened to the person. I would err on the side of caution and just avoid maxing it out too much even if you intend to pay early
@@kura_bot thank you!
Yup thanks to @kura_bot for the reply, they nailed it!
@@kura_botman i got my first credit card recently and got $500 limit been using it and making multiple payments to have more balance available lol. didn’t know it could be seen as suspicious. i guess i’ll just keep it below 30% and then start using my debit 😅
I have no credit history at all will that effect my approval chances?
I am 18 looking the best card to use after graduation highschool in like 4 months 💯
Would u do chase sapphire or amex gold😅
bros blinking in Morse Code
Is the capital one premium a good card?
No rewards or cash back which kind of sucks but it is possible to product change to a quicksilver or savor one.
Not possible I can’t get approved for any credit cards
Which link is the link for the chase card to get the second sign up bonus offer?
Bruh i just wanna know what card i should get to build my credit up more and when i should pay it to get the most out of my score bumping up. All these other numbers are just confusing to us actual beginners lol
Hey I really love your videos but what are some great card credits for teens under 18 years old
Best way would be an authorized user on a parents card. Then once they are 18 they would have built up enough credit to get an unsecured credit card.
@michaelhorgan9525 oh okay thank you so much, I'll start talking to my mom about it because I wantbto move out as soon as possible and I have like 7k saved up and I'm 16
Are the extra 1.5 % on everything still available.?
Does all of these cards accept people that doesn’t have a credit score
You can get a chase card with no score if you have a banking relationship with them. It all depends on your bank.
bro i fuck with you, keep dropping hella knowledge dawg keep it up. You got a supporter in me
Can you sign up for the freedom unlimited if you have no credit history?
If you have a banking relationship with Chase you can.
Yes with no banking history or anything.
You didn’t mention the minimum credit score required to get these credit cards. Chase has a minimum requirement of 710 credit score
Chase will also open an unsecured line of credit if you have a long term bank account with them. They also have the freedom rise which only needs $250 in a checking account as long as you are not rebuilding credit.
what credit card would you recommend someone with a 750+ credit score ive only had 1 credit card my whole life and it was a union member credit card i dont use it anymore its most likely closed out now, in a search for a credit card with great benefits in a long term use
Depends on what you want in terms of rewards, and if you are okay with an annual fee/travel a lot. With that score the American Express Blue Cash Everyday with no problem. No annual fee, 3% back on groceries from supermarkets (not Walmart. Think Food Lion/ Piggly Wiggly) 3% on gas, and 3% for online retail purchases. 1% everything else
Hi, when I try to click on the chase card link that it doesnt lead back to a card? Is that offer now gone?
YOU'RE THE GOAT
Are those cards available to apply for in italy (EU in general) ?
Because every time I search for a card application they always mention that you need to be a US citizen/resident in order for you to get it.
And also what are the best cards you can get in Europe if anyone have some info it would be appreciated.
European cards are not as good due to EU capping merchant fees. :(
Ive already saved thousands with my chase account but it says to qualify for the freedom unlimited card, I would need excellent to good credit and i have neither??? So can i still qualify ?
You can get a chase card if you have enough assets in an account from them.
What do you think about United Gateway credit card? No AF, with 30k sign up bonus
Eh, get it only if you have good use for United miles but I wouldn't keep the card
Make this dude president
Is the American Express blue everyday credit card
If you're asking if it's good, it's pretty good. A above tier imo since it has 3% cash back on gas and groceries and that's what I spend a lot of my money on
Do you need a job to be able to apply to a credit card ?
I just turned 19 years old can I talk to you personal one on one about cards and loans I don’t have any knowledge about it my parents are always saying that credit cards are bad but I know you can use the cards in your favor
Use credit cards to pay off what you can afford on them. Don't use money you don't have.
@@kie4585this always pay off a cc in full to avoid accruing interest.
Did anyone try getting the CFU special offer while being at the 5/24 rule?
Hello there
😂😂😂😂 cash back cash back 5 hot dog every day cash back 4 ice dream every year cash back and cash back
Lol nothing about drawbacks
High interest l won't recommend it it😂