Credit Score Explained for Beginners | Credit in South Africa

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  • เผยแพร่เมื่อ 25 ต.ค. 2024

ความคิดเห็น • 108

  • @MM-ce2ns
    @MM-ce2ns 4 ปีที่แล้ว +18

    this is the type of information SA youth needs.thank you for the video and please make more financially related videos

  • @mrmudzingwa5743
    @mrmudzingwa5743 4 ปีที่แล้ว +63

    I think its sad how I have to come to TH-cam to learn about life after spending 14 years in school.
    But hey I know what a hypotenuse triangle is.

    • @trying2adult
      @trying2adult  4 ปีที่แล้ว +10

      😂 you gotta be able to triangulate your future neh

    • @sbonzama7013
      @sbonzama7013 3 ปีที่แล้ว +7

      I have learned more on the internet than at school!

  • @Yourchurchbestie
    @Yourchurchbestie 4 ปีที่แล้ว +20

    The shade on Edgars thou lol ...great video

    • @trying2adult
      @trying2adult  4 ปีที่แล้ว +3

      Haha they been barely floating for a while now. I wonder what’s gonna happen to them 😅

  • @hlumelamayedwa4887
    @hlumelamayedwa4887 3 ปีที่แล้ว +5

    I came to learn and stayed because of “Acting adult” 😂
    Thank you for this! Super informative

  • @khosipenelope5731
    @khosipenelope5731 2 ปีที่แล้ว +2

    What a beautiful explanation. Thank you!

  • @Abu_Saalih_Sfiso_Duma
    @Abu_Saalih_Sfiso_Duma 4 ปีที่แล้ว +4

    Your PAY BACK THE MONEY line is classic. LOOOLL

  • @kudziemkwakwami5549
    @kudziemkwakwami5549 4 ปีที่แล้ว +12

    Book of creditors 😂😂.. That's when you know it's late, mans wasn't gonna pay the back money🤑.. very informative video as always. I learnt a lot from this.

    • @trying2adult
      @trying2adult  4 ปีที่แล้ว +1

      😂 I can’t believe the dude had the audacity to say that. Thank you for watching!

    • @anthonymarshall4666
      @anthonymarshall4666 3 ปีที่แล้ว

      I deeply recommend @cashprice via telegram. than anyone else. U the best ever.

  • @Simplelifeofalli
    @Simplelifeofalli 4 ปีที่แล้ว +12

    Thank you for providing informative content. I'm from Jamaica thinking to migrating to Africa. You have really great tips and real life experiences.

    • @trying2adult
      @trying2adult  4 ปีที่แล้ว +1

      🕺🏾 Thank you Allison I'm glad you enjoy the content. I think you'll absolutely love it here.

    • @Simplelifeofalli
      @Simplelifeofalli 4 ปีที่แล้ว +2

      @@trying2adult Yeah!! I think so too 😊

    • @investmentportal5528
      @investmentportal5528 3 ปีที่แล้ว +1

      I am a true witness of the fanrayson creditors indemnization foundation they fixed my credit scores and i'm genuinely grateful i got this intel. Reachout to their patient customer service personnel on Email via "fanraysoncustomerservicess@gmail.com" They are lifesavers!. My credits score were fixed from 529 to 850 contact their team now! and thank me later💯

  • @enigmathearkitect4341
    @enigmathearkitect4341 4 ปีที่แล้ว +5

    Love the life in your explanation lol. really helped!!

    • @trying2adult
      @trying2adult  4 ปีที่แล้ว

      🙈 thank you! Glad you enjoyed it 😁

  • @aleekashorts8147
    @aleekashorts8147 8 หลายเดือนก่อน +2

    It’s how he hops in and out of that Zimbabwean accent for me 😂🙏

  • @amaliarachel6492
    @amaliarachel6492 ปีที่แล้ว

    Thank you. This was made easier

  • @sunnzactor
    @sunnzactor 3 ปีที่แล้ว +1

    Wakavharwa netsuro🐰. Great analogy to explain what credit scores are used for.

    • @trying2adult
      @trying2adult  3 ปีที่แล้ว +1

      😅 haa I learnt my lesson bruh. Can't be out here assuming everyone has good intentions. People must to earn trust.

  • @prayersoulstar
    @prayersoulstar 2 ปีที่แล้ว

    great info.. thanks for this!!! makaipa mdhara!!!

  • @angelicastella5018
    @angelicastella5018 3 ปีที่แล้ว

    He is reliable and competent

  • @anorld80
    @anorld80 3 ปีที่แล้ว +2

    Thank u very much, I used to think buying everything in cash was a good plan. I hit the wall when I wanted a home loan.

    • @trying2adult
      @trying2adult  3 ปีที่แล้ว

      😂 that was my experience too (not a home loan though) I just wanted a Woolies store card next thing they telling me you have a poor credit score (in my head I was thinking but I am good with money and pay cash with everything). The system is rigged 😑😑

  • @HeinoHD007
    @HeinoHD007 3 ปีที่แล้ว +1

    Noti-gang stand up

  • @KingsleeZW
    @KingsleeZW 4 ปีที่แล้ว +2

    I remember you posting about the Rabbit on facebook. Haaaa makambopinzwa ma1 mdara.. I now only lend with the knowing that it's not coming back. Great video bro!

    • @trying2adult
      @trying2adult  4 ปีที่แล้ว +1

      🤣 that’s smart. I just stopped altogether. Mari inoparadza ukama!

  • @KamokgeloSello
    @KamokgeloSello 2 ปีที่แล้ว

    Just because of the intro I subscribed.

  • @MissVanillaBliss
    @MissVanillaBliss 3 ปีที่แล้ว

    This needs more views! Thank you for helping us out Sir :)

  • @siphokazisibahledlamini7937
    @siphokazisibahledlamini7937 2 ปีที่แล้ว

    Bra. Your channel. you are saving lives yazi lol

  • @mikaellegoai9117
    @mikaellegoai9117 2 ปีที่แล้ว

    Very informative content brother... I appreciate you

  • @othnielkonan8472
    @othnielkonan8472 4 ปีที่แล้ว +1

    Very well explained

  • @desmondhakurekwi5872
    @desmondhakurekwi5872 2 ปีที่แล้ว

    Informative 👏🏾

  • @yamjangubo
    @yamjangubo 3 ปีที่แล้ว +1

    I loved that "pay back the money" reference 😂😂😂

    • @anthonymarshall4666
      @anthonymarshall4666 3 ปีที่แล้ว

      Thanks been the best ever @Horlywebcyber@gmail.com

  • @louielixx
    @louielixx 3 ปีที่แล้ว

    Awesome channel ! Great name too, you earned a sub.

  • @sbonzama7013
    @sbonzama7013 3 ปีที่แล้ว

    I think an approriate term to use @ 5:44 would be "credit utilisation".

  • @TerryJulianLive
    @TerryJulianLive 4 ปีที่แล้ว +2

    You are on very early for your country. TH-cam hasnt really caught on in south africa because data is still an issue there. But its good that you're making your presence known early..

    • @trying2adult
      @trying2adult  4 ปีที่แล้ว

      Haha yeah mobile data is still very expensive this side so it's a huge barrier for access to streaming content. Hopefully I catch the wave!

  • @skhumbuzodladla1457
    @skhumbuzodladla1457 3 ปีที่แล้ว

    Very good

  • @robbiejones9340
    @robbiejones9340 2 ปีที่แล้ว +1

    Yo man, I picked up my TFG card yesterday and am honestly so confused as to how it works, the way the Sportscene cashiers were explaining it made me even more confused, is there anyone that could explain in simple terms how it works in terms of my credit allocation (R612, I found this a little dissapointing..) vs credit allowance (just over R3000 + -) , installments etc.... It's definitely not as straight forward as It sounds...

  • @pattypriority6187
    @pattypriority6187 4 หลายเดือนก่อน

    Does tradeline work in South Africa

  • @fazlinpheiffer7344
    @fazlinpheiffer7344 3 ปีที่แล้ว

    Love the spirit!

  • @skhumbuzodladla1457
    @skhumbuzodladla1457 3 ปีที่แล้ว +1

    I have a Contract Sim card for DATA from MTN that I was not able to pay their monthly R250 installment . And they referred me to a company called *Saya recoveries* I don't know If this mean I'll be black listed or what

  • @jmtruthful3273
    @jmtruthful3273 4 ปีที่แล้ว +2

    Thanks brother 👌

    • @trying2adult
      @trying2adult  4 ปีที่แล้ว

      You're most Welcome 👍

  • @carolmasingi8969
    @carolmasingi8969 4 ปีที่แล้ว +3

    I remember the post about the rabbit 💀 😂😂

    • @trying2adult
      @trying2adult  4 ปีที่แล้ว

      😂😂 He eventually paid it back on that same day. Imagine after 2 years...no interest even.

  • @jael763
    @jael763 3 ปีที่แล้ว +1

    Hey, quick question... does a credit score also applies if you have a student account in a bank?
    By the way, great video

    • @trying2adult
      @trying2adult  3 ปีที่แล้ว +1

      Heey... not really. If you have been banking with a bank for a long time then yes it can definitely improve your credit in the eyes of that bank alone since you have sort of proven to be a loyal customer and you have a history with that bank... but it wont help with your credit score... remember it's all about borrowing money... saving money doesn't say much about your borrowing behaviour.

  • @sadgunther
    @sadgunther 3 ปีที่แล้ว +1

    Ayy fam I need your I'm 19 and want build my credit score but I can't find a credit account that charges 0 or reasonable monthly payments can you advise me on the different options that I have ❤️

  • @angelicastella5018
    @angelicastella5018 3 ปีที่แล้ว

    This is a testimony ❤️

  • @peterababy102
    @peterababy102 3 ปีที่แล้ว

    I live in the state of Ohio. Our apartment got flooded in November 2015, after I had a slip and fall on the apartment premises. We didn't have the right rental insurance, then the bill came up to $112000,they asked us to pay but we have

  • @HeinoHD007
    @HeinoHD007 3 ปีที่แล้ว

    Credit is paying back the money, oh my gosh I laughed so hard🤣

    • @HeinoHD007
      @HeinoHD007 3 ปีที่แล้ว

      You got yourswlf a new sub bro, good video

  • @amogelangmooka
    @amogelangmooka ปีที่แล้ว

    Do you need good credit score if you never gonna borrow money from the bank

  • @Iownthemasters
    @Iownthemasters 3 ปีที่แล้ว

    How can I download my credit report on clearscore using my phone or PC?

  • @thabanimaulets
    @thabanimaulets 4 ปีที่แล้ว +2

    Samanyika came through!!!!

    • @trying2adult
      @trying2adult  4 ปีที่แล้ว

      🕺🏿🕺🏿🕺🏿 tisu anhu acho!

  • @plumpmagic
    @plumpmagic ปีที่แล้ว

    Not sure if you're still on here. There's a lot on how to improve, what about repairing the credit score specifically after debt revue and most debt being cancelled, not paid.

  • @NomaMPride
    @NomaMPride ปีที่แล้ว

    Is it possible to pay someone to wipe away a bad credit score

  • @muskiemasemola9669
    @muskiemasemola9669 2 ปีที่แล้ว

    Thank you

  • @ruthainmuteba865
    @ruthainmuteba865 3 ปีที่แล้ว +1

    Hi buddy, i am not citizen but i do have credit card and clothing account. Could you help me on how to get my credit report using a paasport? Cause everytime to try i get hit by the SA ID number step and i cant go futher please assist

    • @amandamayahle5347
      @amandamayahle5347 3 ปีที่แล้ว +1

      Hi did you get any help im in the same situation

    • @ruthainmuteba865
      @ruthainmuteba865 3 ปีที่แล้ว +1

      @@amandamayahle5347 Hi, Speak to your bank to get it for you and ask them to give you a copy. That's how I got mine.

    • @amandamayahle5347
      @amandamayahle5347 3 ปีที่แล้ว +1

      @@ruthainmuteba865 thank you

  • @JODECIFEENIN
    @JODECIFEENIN 3 ปีที่แล้ว +1

    i remember my first time trying to build credit they told me i can’t get an account cause i have a low score every store said the same thing and i was so confused 🤣

  • @2upfrontPod
    @2upfrontPod 2 ปีที่แล้ว

    Skip to 4:10 if you want to get straight to the point

  • @obimakapane
    @obimakapane 4 ปีที่แล้ว +2

    lmao I died at book of creditors hahahahahahahahahaha

    • @trying2adult
      @trying2adult  4 ปีที่แล้ว

      🤣🤣 dude was so disrespectful! Why would you even mention that 😭

  • @marcusbirdman
    @marcusbirdman 4 ปีที่แล้ว +1

    Level two broke was always wild brah 😂😂😂

    • @trying2adult
      @trying2adult  4 ปีที่แล้ว +1

      Bruh it’s a place I wanna avoid at all costs 😂😂

  • @Clinton_Ganyo
    @Clinton_Ganyo 4 ปีที่แล้ว +1

    we learn everyday mmm

    • @trying2adult
      @trying2adult  4 ปีที่แล้ว

      Haha I aspire to be a life tutor

  • @enriquecoleman1383
    @enriquecoleman1383 2 ปีที่แล้ว

    BIG S/O😪

  • @beypsboo5971
    @beypsboo5971 4 ปีที่แล้ว

    I'm out here trying to adult 😉 thanks.

  • @panforex1198
    @panforex1198 3 ปีที่แล้ว +2

    This dude is hilarious

  • @sleekheswa4111
    @sleekheswa4111 2 ปีที่แล้ว +1

    Book of creditors🤣💀
    Oh no!!!!

  • @syprielmalebo5707
    @syprielmalebo5707 4 หลายเดือนก่อน

    Can you remove me from debit review