When I was 25, I had 12 credits. My 1st card was discover. I’m now 31 yrs old and have 25 credits. 524k total and 3% uralization…thanks for sharing my guy.
Awesome! Thanks for watching and commenting Noah! Yeah that’s been a pretty common card to start with. Glad to hear you’ve got some Amex and chase cards now!
My first credit card was also Wells Fargo. I’m kind of naive when it comes to credit cards so I let my partner manage my accounts and I now have 10 credit cards and have an excellent score. Now I’m trying to learn about the benefits and I’m enjoying your videos.
That’s awesome, I’m glad to hear you like my videos! Hopefully they are helpful because there’s so much stuff to cover with credit cards. Let me know if you ever have any questions or have a video idea that you’d like to see!
Great job Daniel! I had zero idea about credit and credit cards at 25 and I know the majority of people are like me. You’re already miles ahead my friend!
Thanks man! Haha I feel like I got into credit cards late sometimes even though I'm only 25. I didn't start until I was 20 but I know others that literally start as soon as they turn 18! Always good to start as soon as possible I guess!
My first was the BOA cash unlimited, and the discover was my 4th. They've been so amazing to me though, I wish I'd have gotten them earlier over capital one
I am so glad I have your videos for credit card tips. I worked and got alot of income in my early 20s and at that time, I didn’t consider having a credit card and just used my bank account savings to buy things because in my country, having a credit card is not recommended because the term “credit” scares them but really, its a struggle in their later lives when wanting to buy a house and need a loan for it and banks knowing that you have no credit to back you up, wont approve you for anything. So, thank you for providing these tips. hoping to build my way into AMEX!!
Yeah I love seeing what cards other people have! Awesome, a lot of people start with student cards just like we both did. Thanks for the comment Kevin!
Sweet video Daniel! My first card was the Discover it Student Cash Back card. After my first card, I focused heavily on Chase Ultimate Rewards as well but recently I've been broadening my horizons. The Chase Ink Cash was my first business card too! Great video 🙌
Thanks Ryan! Yeah that Discover It Student is a really popular first card for so many people, I wish I got that one first. Sounds like we had a similar start with our cards. I focused a lot on Chase at first too. And yeah, that Ink Cash card is great! Appreciate it man 👍
My first credit card was/is the BoA Cash Rewards that I got two years ago as a sophomore in college (not even the student version, the regular lol). I now have the Chase Freedom Flex and I'm eyeing the Sapphire Preferred next. Thanks for the reminder that credit cards are a long-term thing and there's no need to rush into getting a bunch of them, because the more cards and rewards I discover the more I get tempting into getting them lol
Nice video Daniel! I'm currently a college senior and my first card was a BoA Cash Rewards card that I got during freshmen year. It was pretty nice since I could put my 3% category on dining which was (and still is) where most of my daily spendings are.
Thanks so much! That's a good card to have for that. I really wish I would have done something similar because I left a ton of cash back on the table by using a debit card for the majority of my college spending in similar categories. Glad to hear you are taking full advantage of credit cards while in school! 👍
My first (and only) credit card I got just 6 months ago now, the discover it student cash back! So far I’ve improved my fico score from a low 600 to 729! I’m going to wait until I’ve had my discover card for a year before applying to my next card which if things stay as they are now will either be the sofi credit card or the chase freedom unlimited. I want to start with chase over citi or Amex as the chase trifecta looks so appealing for me and the life style I hope to have one day!
I’m 22, my first card I ever got was a Wells Fargo platinum secured card when I was 18. I just got my 2nd card at 22 & it’s the Capital One Savor metal card, pretty happy :]
Is there a reason you waited four years to get your second card? Im 19 and im on my second card and by January of next year I’ll be getting another but I was curious if there was a reason you waited before getting another card.
First credit card was the Apple credit card for just the basic 2% back on Apple Pay since almost everywhere accepts that now. I also have an AMEX gold as well, love the dining credits while being in college and other benefits as well. Having to pay that off in full each month also keeps my spending in check. Also great vid!
Thanks Logan! Nice, the Apple Card has become another popular beginner credit card to get. Glad you're enjoying the Amex Gold as well, its one of my favorites!
Very impressive Dan. Good work. My first credit card (back in '02 a a freshman in college) was simply the BoA Student Card. It had no benefits or awards.
Thanks, appreciate it! Nice, there's a lot of simple student credit cards out there from banks like BoA and Wells Fargo like I got. I wish I got the Discover It card first now because that's a really popular one
Yayyy nice to finally see that Ink Business Cash! 🎉a lot of hard work went into getting that card. This is just the beginning for you! 👏🏼 Can't wait until your "The 37 Credit Cards That I Have...." video to be released soon.
Yeah man super excited to have business cards now! Lol for sure, maybe I should get a ton of new cards and make that video in exactly a year. Would be a pretty catchy title: “I Got 30 Credit Cards in 1 Year” 😂
Thanks David! I got the Canon M50, a pretty common camera for TH-cam. Still learning how to get the most out of it and the quality should get better as I ply around with the lighting too
I have six cards, first one got it at 18 in 2017. Here's the order: 1. [2017] Liberty Bank Max Cash Preferred (was a secured card at first, then I upgraded and now it's basically the US Bank Cash Plus) 2. [2019] JCPenney card (I was a noob) 3. [January 2020] Amazon Prime Rewards Visa 4. [April 2021] Chase Freedom Unlimited 5. [July 2021] Citi Custom Cash 6. [Today, August 2021] Chase Freedom Flex
Great to hear, thanks so much for watching a bunch of my videos Deborah! 2 cards is a great place to start, so take it slow and if 7 makes sense for your needs then you can get there eventually!
I have 17 cc and mainly just use 3. My first cc was a capital one secured credit card that helped me build up my credit. My favorite is my Amex trifecta Gold, Platinum, and everyday preferred. Haven’t been using my chase cards as much lately at all
That's awesome! Always good to have plenty of credit card options! I've been focusing a lot on Amex over Chase lately as well. Thanks for watching and commenting Alex! 👍
I was just watching a video explaining the history of amex and wanted to know the benefits of the platinum card. Your one video was the first pop up. Now Im about 5 videos in and I love them. I only 20 and have only 2 credit cards. I have an Bank of America Travel rewards card(the same one my dad uses so helped me get one) and a Capital One Bass pro club card(I worked at bass pro and the points+employee discounts was a nice bonus, also I love the outdoors and was spending there anyways). Im loving the vids and hoping when I graduate college Ill be able to use the knowledge gained here to be at least half as financially savvy as you.
Been following your videos for a bit, just hit the sub button because you always have good info. It is good to watch someone with a similar mindset as my own. I have the United Explorer Chase Card, AMEX Hilton card (both for travel), similarly the Chase Sapphire Preferred, Capital One Venture X, Capital One Quicksilver (for cash back), Citi Costco and the AMEX Platinum. Keep up the great videos, trying to make the decision on the next card and will probably use your advice.
Thanks so much Brian - I really appreciate you watching my videos! And nice cards - I'll be making plenty of more videos so hopefully they will be helpful!
Thank you, glad to hear that you like the videos! Yeah if you get under 5/24 then definitely try to take advantage of that in branch offer on the CSP because they also waive the first year annual fee
Nice video! I'm on the same boat with the WF college credit card as my first. I actually upgraded recently to their new Active Cash card from the basic (useless) platinum they upgraded me to after college. I don't use it besides a few dollars per month but hey the 2% back is better than what it was before 👐.
Thanks Christian! Yeah that’s a smart move, I’m thinking of doing the same but I just haven’t gotten around to it yet. I’d rather have that card than the one I have now!
Technically my first card was a Citi card that I was an Authorized user on my mom's account when I was in high school. My first real card was Discover. Now I have almost a dozen cards! Amex Gold is my main card.
Being an authorized user is the way to go at first, like a cheat code to get started with credit cards! That’s great, you’ve got a lot of good experience then! I love my Amex gold, one of my favorites. Thanks for sharing Joseph!
I appreciate you sharing! I’ve been getting quite in the credit cards as well the last Few years You were making very excellent TH-cam videos I’m so glad that you were able to monetize and start making money off of it Kind of a weird thing but it’s very easy to tell what you were saying and looks very professional that you open up your mouth very wired I appreciate it and everything you do thanks!
I just got my freedom flex this month how long do you suggest do you recommend before applying for my next chase car more specifically the freedom unlimited or should I go for reserved/ preferred?
I personally waited a few months just so I didn’t rush Chase and risk getting denied. As long as your income is good and credit score is good, then you could go straight for something like the preferred. The reserve may be tougher depending on your credit history. But you should have no problem getting the freedom unlimited if you already got the freedom flex. Hope that helps!
The discover it cash back was my first card for my journey. I never really took advantage of what benefits cards offered and did not really know how strict chase was with the 5/24. I currently have 7 cards and will have to wait for awhile to apply the chase saffire preferred.
Haha that's the one word I've noticed myself say like I'm from around Philly too haha. And I'm very familiar with that area - that's where I grew up! More around North Wales/Lansdale for me but small world, thanks for watching and commenting Milo
Ok Friend- there is so much information on credit cards. What credit card would you recommend for someone that is interested in luxury travel meaning: access to priority pass lounges and a little bougie behavior when we pull out a card when paying for thigs? + international fees waived would be nice too. thank you!
Haha yeah I was planning another video for this week but this was a great idea so I moved it up on my list. Thanks for the idea, I had fun making the video!
That’s a great strategy with to start with those cards like that! If I could do it all over again, I would have gotten that Discover card as my first card
Currently 18 but i started off with a discover card with a 500 limit and after 6 months of fully paying it off, got an increase, and a fico score of 743 and applied for an apple card
Nice video Daniel, I'm looking to get my first credit card and researching around but that chase Trifecta seems ok. I've watched your other videos and juggling between Chase or that discover it. Being my first card, choosing what's right for me is somewhat scary. Any pointers?
The discover it is going to be your best option as a first card! Whether it’s the student version or a secured version of that card, depending on what you can approved for. Once you have that first card, just get used to it for a while before looking at other cards. Best of luck!
That’s definitely going to be one of my upcoming videos! August will be my first full month of being monetized so I’m going to make a video in September about my experience so far
Great video as always 😁 To some 7 may sound like a lot, but I have 11 myself 😅 just make sure you pay it off in full every month and you’re good to go!
I just for the platinum and I am terrified of using it- I am a normal hardworking person. How do I benefit from those “credits”? Will the credit be given at the end of the year? Immediately in the next holing cycle? Thanks for all the information
It’s interesting you went with the gold card when you did because the flex was giving 5x back of groceries. Was that because that benefit is temporary?
Yeah I was mainly getting the gold for the long term. I think I still managed to use up most of my freedoms 5x on groceries then. But the Amex gold is my long term grocery card
I’d love to do something like that! If I can find a way to make it related to credit cards and my own financial decisions that I go through in a day or a week then I think I can definitely make a video like that for this channel 👍
Graduate of 2018?! I'm 2017😀 congrats man! Awesome video, my first credit card was a Navy Federal Credit Card, my max at first was 500😅 now its 35k🙃 some good habits helped. I have a total of 5 Credit cards.
My first card was a Discover It card in college (which I ended up closing because I never used it and didn't know about longest trade line effect lol) but now I have two store cards (express and Williams Sonoma) as well as an Amex Gold and Platinum, Chase Sapphire Reserve and a Bank of America Custom Cash card. I travel for work a lot so the Amex's and Chase are used a lot, and the BOA card is used for purchases while at home.
Thanks for watching and commenting Eric! Sounds like you've got some good experience with credit cards. That's nice that you get some good use out of those cards when traveling for work! 👍
Yeah, I use BOA custom cash for 3% online purchases! Best return i can get from any of my cards on that aside from 5% quarters on discover it (PayPal and Amazon quarters)
Thanks so much, glad to hear that! Right now I am saving them because I plan to potentially do some international travel when stuff opens up a little more. I’m really just looking out for good value for the points on flights mostly
Hey Daniel! I recently found your channel and am really enjoying your videos! I got the discover it student card about a year and a half ago and have a total credit history of about 2 years (I'm an authorized user on my parents' credit card). I have a relatively low utilization and have never missed a payment. I applied for the capital one savor one card in December and got rejected due to my not having a long enough credit history and having too high utilization (found out this was due to my parents' card and they were able to decrease their utilization on that specific card by a lot). I was thinking about reapplying for the same card in April, but it seems like you stick more to Chase and Amex cards. Is there a specific reason for that? The savor one seems really good for dining and groceries, which is what i spend most of my money on as a college student. I don't really spend much on travel either. Should I still reconsider or go for the savor one again in a few months? (I am also looking to get the wells fargo active cash card within the next year or so so I can get 2% on everything not dining/groceries/whatever the discover category is)
He just likes chase and amex, everyone is different. New cars and benefits come and go, there is no best card. When you're starting out stick to cards that have no fees and give decent cash back/rewards. Try your best to get off your parents account, as their cards are going to drag you down, you build up credit history overtime anyway. I would try a card that gives you perks with no fees, but doesn't require credit history. My first card was a US Bank signature Cash+ card, which I got with zero history or credit score. Might have helped that I banked with US, but helped me skip the annoying secured card that most people have to start with. So try to find a decent card, possibly one from the bank you hold an account in.
Is it bad to have many credit cards? Because I think on some I won’t use them anymore, just getting them for the sign up bonus and to increase my credit limit.
I have had my chase sapphire for 4 months now and I’ve been looking into Amex I have a excellent credit score so not worried about that. Just wanted to know if it’s worth applying for the Amex gold ?
Hello, I got a Deserve EDU card when I didn't have a SSN, but I'm planning to close it now because my other cards are much better than that. Current Cards: -> BofA Unlimited Cash Rewards(Oct 2021) : $1500 -> Deserve EDU Card(Jan 2022): $800 -> Discover IT card(Feb 2022): $500 -> Chase Freedom Flex Card(March 2022): $800 -> Chase Sapphire Preferred(June 2022): $5000 Credit Score is about 710. Is it a good idea to close the Deserve EDU card now or should I wait for a few months? Also, CSP is my primary card now, but I'm looking into taking any Amex cards in the near future, maybe after a year. Which amex card would you recommend for me? Please help me with my queries. Thank you!
Looking to get a card for Walmart. Deciding between Chase Freedom Flex and Capital One Walmart Rewards. Capital one has a introductory offer of 5% cash back for the first 12 months. Chase has 5% for this quarter with $200 welcome offer. Which would you suggest would be best for me?
Great question Mitchell! I'm going to be calling American Express in just a few weeks when my Platinum card annual fee is due in February to see what they will give me. I've heard of people getting decent offers around 40k points by doing that. I plan to document the whole process for a video!
That’s the way to do it! The discover it card is such a great first card to get and then completing the chase trifecta after is probably the best strategy to do
I was approved for a rose gold Amex (for points) last week. I love the unique color and prob won’t let it go. CFU sent a pre-selected invitation today. Should I wait before applying?
Meh you don’t have to be that patient,I just got my first chase card went right for the sapphire preferred, I hit the welcome bonus in one week and got the first Amex gold a few days later, i think if you have about 3 years of Credit history and high spend with low utilization your good to go,but that’s just my experience.
True, you can get a lot of cards very quickly but I really wanted to manage my spending and had to reason to rush it. All varies for different people but I'm happy with the pace that I get my cards at. Glad to hear that you were able to get some really good cards there!
1st card was the Discover Student Travel card. I probably should've waited until I graduated to capitalize on that miles match they did but oh well. Now I have the Freedom Unlimited & the BofA Custom cash card
Wow I have exactly 7 right now; no Chase cards though I will be getting the trifecta in 2022. for total 10 cards I am good next coming year. Gardening right now.
My first one was capital one silver one. First $700 after 6 months they automatically increase it to $3.5k. They said thank you for making payments on time.
My first card was from Core States, which became Wachovia then Wells Fargo. I’m old lol. Chase Freedom was my second card and last week I got my 3rd credit card, the AMEX Blue Cash Preferred. The only other cards I want are the CSP and AMEX Gold.
My first credit card was actually a Bank of America Cash Rewards card; not even the student version, just the regular one! I somehow had a 700~ credit score which probably let me get approved, and man I maxed that thing out 😂 I now have 6 credit cards and 3 charge cards--Delta Reserve, Delta Platinum, Hilton Aspire, CSP, Prime Rewards, Apple Card, and the Amex Green, Gold, and Platinum. I had a couple of BoA cards but closed both when I moved my business to Chase. Should I do a video? lol let me know!
Nice first card Paul! Wow man, yeah you've got some serious credit card experience with that collection there! Haha yeah you might have to do a video sometime to go through all of them
Hi Daniel. Such wise and practical advice for people entering the credit card world. Wish you had been around to help me get started! Hope all is well.
Hey Anthony! Thanks so much! I know I learned a ton of valuable information from others here on TH-cam when I was starting my credit card journey so I'm glad you think this video has some good advice too. Thanks as always for the support 👍
First CC on my own (not using one linked to my dad) was the Apple Card at 19 years old. Currently 21 almost 22 and I'm looking to get a more premium card with better points and big welcome bonus. The best welcome bonus im seeing right now is the CSP at 60,000 points. It really frustrates me that it was 100,000 points just a few months ago. Do you think I should wait to see if they increase the points bonus, or should I just go for it and get the 60,000 now?
Good to hear that you're looking for some better cards now with bonuses! The CSP is one of my favorite to have. Its a tough call because its really hard to time those welcome bonuses perfectly and I've definitely left some points on the table because of it. If you are getting the CSP like I have, I would also recommend having the Freedom Flex and Freedom Unlimited as well for those welcome bonuses and the way they earn points. Then those points can be combined with the CSP to get great value. Totally up to you if you want all of those cards, but what I would probably do in your situation is get those 2 no annual fee cards first over the next few months while waiting to see if Chase increases that CSP offer to higher than 60k points. Then after waiting a few months you could go for the CSP. It all depends on where you are with the Chase 5/24 rule too and what you prefer to do, but I hope that helps!
Hey I’m beginning my credit journey my first card was discover secure card I’ve had it for a couple months I was wondering when it’s time to to upgrade to unsecured card should I close my secured one or keep it and have two to balance out credit history length?
Definitely something you could do. But I would suggest applying for the platinum card separately because otherwise you will miss out on earning the welcome bonus that it offers which is very valuable!
So I completed My Chsse Trifecta and Amex Trifecta In a month and a half, people are saying I’m insane for that, But My credit score Is about 788 Right now. Those welcome bonuses are amazing. I Will always use the cards as well. Don’t know If I should wait on getting another one.. 😬😅
Awesome lineup Daniel, oh sorry, credit card portfolio. I love the sound of that. Slow and steady, great advice. I am currently in the credit card "garden" as I was a little too aggressive in building my "portfolio". My first card at 18 yrs old was from a local credit union (local to the Air Force Base I was stationed at the time). I had to go in for an interview with the vice president of the credit union before getting it. Sounds crazy now. I like cash back with no annual fees. What's your next card? Stay safe brother!
Thanks Eric! Lol yeah "credit card portfolio" is just me trying to sound smarter 😂. Wow yeah that's crazy that was the process that you had to go through to get that first card! Cash back with no annual fees is a great way to go for so many people, I'd like to make a video some day about cash back vs points cards and no annual fees vs annual fees. I'm probably going to get the ink business unlimited next as long as I can make the minimum spend work. Its $7,500 to get 75k points on that card as well so that's worth it to me. Then I'm trying to figure out where I want to go from there. I'll be making plenty more update videos of the cards I get! Thanks as always for watching and commenting, hope all is well!
i’m 20. first card was discovered it secured. 2nd card was apple card, 3rd card was amex gold. 4th card was amex plat. 5th card was a card i didn’t know i applied for while buying a matress. 😡
When I was 25, I had 12 credits. My 1st card was discover. I’m now 31 yrs old and have 25 credits. 524k total and 3% uralization…thanks for sharing my guy.
That’s awesome, you’ve got a ton of credit card experience! So many people start with Discover. Thanks so much for watching and commenting!
@@Daniel_Braun You’re welcome..👍🏼😎.
Amazing
Do you use all of your credit cards?
@@1pCarlos Yes I do.
The WF College Card was my first one as well! After about 2 years, I moved to the AMEX Gold and now working my way through chase. Great video!
Awesome! Thanks for watching and commenting Noah! Yeah that’s been a pretty common card to start with. Glad to hear you’ve got some Amex and chase cards now!
My first credit card was also Wells Fargo. I’m kind of naive when it comes to credit cards so I let my partner manage my accounts and I now have 10 credit cards and have an excellent score. Now I’m trying to learn about the benefits and I’m enjoying your videos.
That’s awesome, I’m glad to hear you like my videos! Hopefully they are helpful because there’s so much stuff to cover with credit cards. Let me know if you ever have any questions or have a video idea that you’d like to see!
Great job Daniel! I had zero idea about credit and credit cards at 25 and I know the majority of people are like me. You’re already miles ahead my friend!
Thanks man! Haha I feel like I got into credit cards late sometimes even though I'm only 25. I didn't start until I was 20 but I know others that literally start as soon as they turn 18! Always good to start as soon as possible I guess!
Getting a bunch of credit cards can happen fast haha. Always better to start late than never!
First Credit Card was the Discover It Student card! Great card with an easy transition into a full card after graduating. Same benefits too!
My first card was the discover it! Nice overview of your cards
That’s a great card, I wish that was my first one but I didn’t know much about it back then! Thanks Avery, appreciate it
My first was the BOA cash unlimited, and the discover was my 4th. They've been so amazing to me though, I wish I'd have gotten them earlier over capital one
I am so glad I have your videos for credit card tips. I worked and got alot of income in my early 20s and at that time, I didn’t consider having a credit card and just used my bank account savings to buy things because in my country, having a credit card is not recommended because the term “credit” scares them but really, its a struggle in their later lives when wanting to buy a house and need a loan for it and banks knowing that you have no credit to back you up, wont approve you for anything. So, thank you for providing these tips. hoping to build my way into AMEX!!
Always interesting to see others' credit card journeys! My first card was a student card!
Yeah I love seeing what cards other people have! Awesome, a lot of people start with student cards just like we both did. Thanks for the comment Kevin!
Sweet video Daniel! My first card was the Discover it Student Cash Back card. After my first card, I focused heavily on Chase Ultimate Rewards as well but recently I've been broadening my horizons. The Chase Ink Cash was my first business card too! Great video 🙌
Thanks Ryan! Yeah that Discover It Student is a really popular first card for so many people, I wish I got that one first. Sounds like we had a similar start with our cards. I focused a lot on Chase at first too. And yeah, that Ink Cash card is great! Appreciate it man 👍
My first credit card was/is the BoA Cash Rewards that I got two years ago as a sophomore in college (not even the student version, the regular lol). I now have the Chase Freedom Flex and I'm eyeing the Sapphire Preferred next. Thanks for the reminder that credit cards are a long-term thing and there's no need to rush into getting a bunch of them, because the more cards and rewards I discover the more I get tempting into getting them lol
The Chase Trifecta +the travel multiplier seems like a great move! Thanks for sharing as always Daniel!
Absolutely, one of my favorite credit card setups! Thanks JP, appreciate the support as always!
Nice video Daniel! I'm currently a college senior and my first card was a BoA Cash Rewards card that I got during freshmen year. It was pretty nice since I could put my 3% category on dining which was (and still is) where most of my daily spendings are.
Thanks so much! That's a good card to have for that. I really wish I would have done something similar because I left a ton of cash back on the table by using a debit card for the majority of my college spending in similar categories. Glad to hear you are taking full advantage of credit cards while in school! 👍
My first (and only) credit card I got just 6 months ago now, the discover it student cash back! So far I’ve improved my fico score from a low 600 to 729! I’m going to wait until I’ve had my discover card for a year before applying to my next card which if things stay as they are now will either be the sofi credit card or the chase freedom unlimited. I want to start with chase over citi or Amex as the chase trifecta looks so appealing for me and the life style I hope to have one day!
Great video! Im impressed that you’re so responsible with your credit- I wish I had been. I’m working on that now and am enjoying the benefits!
Thanks so much Laura! Appreciate the support. That’s awesome that you’re doing good with credit cards now, love to hear it!
I’m 22, my first card I ever got was a Wells Fargo platinum secured card when I was 18. I just got my 2nd card at 22 & it’s the Capital One Savor metal card, pretty happy :]
Is there a reason you waited four years to get your second card? Im 19 and im on my second card and by January of next year I’ll be getting another but I was curious if there was a reason you waited before getting another card.
First credit card was the Apple credit card for just the basic 2% back on Apple Pay since almost everywhere accepts that now. I also have an AMEX gold as well, love the dining credits while being in college and other benefits as well. Having to pay that off in full each month also keeps my spending in check. Also great vid!
Thanks Logan! Nice, the Apple Card has become another popular beginner credit card to get. Glad you're enjoying the Amex Gold as well, its one of my favorites!
Very impressive Dan. Good work. My first credit card (back in '02 a a freshman in college) was simply the BoA Student Card. It had no benefits or awards.
Thanks, appreciate it! Nice, there's a lot of simple student credit cards out there from banks like BoA and Wells Fargo like I got. I wish I got the Discover It card first now because that's a really popular one
Yayyy nice to finally see that Ink Business Cash! 🎉a lot of hard work went into getting that card. This is just the beginning for you! 👏🏼 Can't wait until your "The 37 Credit Cards That I Have...." video to be released soon.
Yeah man super excited to have business cards now! Lol for sure, maybe I should get a ton of new cards and make that video in exactly a year. Would be a pretty catchy title: “I Got 30 Credit Cards in 1 Year” 😂
Great video ! I was wondering what camera did you purchase and how are you liking the camera for TH-cam ?
Thanks David! I got the Canon M50, a pretty common camera for TH-cam. Still learning how to get the most out of it and the quality should get better as I ply around with the lighting too
I liked how straightforward and clear you were throughout your video.
Thanks so much Kevin! Those are 2 things that I always try to focus on when I make my videos so I’m glad to hear it
I have six cards, first one got it at 18 in 2017. Here's the order:
1. [2017] Liberty Bank Max Cash Preferred (was a secured card at first, then I upgraded and now it's basically the US Bank Cash Plus)
2. [2019] JCPenney card (I was a noob)
3. [January 2020] Amazon Prime Rewards Visa
4. [April 2021] Chase Freedom Unlimited
5. [July 2021] Citi Custom Cash
6. [Today, August 2021] Chase Freedom Flex
Nice! You can see the trend as you went from secured card to store card and then some of the more popular rewards earning cards
My first credit card was a Deserve edu Mastercard. Did the job while I was in college before I went over to Chase.
I been binge watching your videos lately i have 2 credits cards right now i’m still a beginner hopefully i can get up to 7 soon.
Great to hear, thanks so much for watching a bunch of my videos Deborah! 2 cards is a great place to start, so take it slow and if 7 makes sense for your needs then you can get there eventually!
I have 17 cc and mainly just use 3. My first cc was a capital one secured credit card that helped me build up my credit. My favorite is my Amex trifecta Gold, Platinum, and everyday preferred. Haven’t been using my chase cards as much lately at all
That's awesome! Always good to have plenty of credit card options! I've been focusing a lot on Amex over Chase lately as well. Thanks for watching and commenting Alex! 👍
I was just watching a video explaining the history of amex and wanted to know the benefits of the platinum card. Your one video was the first pop up. Now Im about 5 videos in and I love them. I only 20 and have only 2 credit cards. I have an Bank of America Travel rewards card(the same one my dad uses so helped me get one) and a Capital One Bass pro club card(I worked at bass pro and the points+employee discounts was a nice bonus, also I love the outdoors and was spending there anyways). Im loving the vids and hoping when I graduate college Ill be able to use the knowledge gained here to be at least half as financially savvy as you.
Been following your videos for a bit, just hit the sub button because you always have good info. It is good to watch someone with a similar mindset as my own. I have the United Explorer Chase Card, AMEX Hilton card (both for travel), similarly the Chase Sapphire Preferred, Capital One Venture X, Capital One Quicksilver (for cash back), Citi Costco and the AMEX Platinum. Keep up the great videos, trying to make the decision on the next card and will probably use your advice.
Thanks so much Brian - I really appreciate you watching my videos! And nice cards - I'll be making plenty of more videos so hopefully they will be helpful!
Love the videos bro, still waiting to be under 5/24 so I can some of those UR points, my local branch is still offering 100k points on the preferred.
Thank you, glad to hear that you like the videos! Yeah if you get under 5/24 then definitely try to take advantage of that in branch offer on the CSP because they also waive the first year annual fee
Nice video! I'm on the same boat with the WF college credit card as my first. I actually upgraded recently to their new Active Cash card from the basic (useless) platinum they upgraded me to after college. I don't use it besides a few dollars per month but hey the 2% back is better than what it was before 👐.
Thanks Christian! Yeah that’s a smart move, I’m thinking of doing the same but I just haven’t gotten around to it yet. I’d rather have that card than the one I have now!
You got a lot of buying power with those 7 credit cards. Great vid!
Haha yeah a pretty good total credit limit here. Thanks!
Technically my first card was a Citi card that I was an Authorized user on my mom's account when I was in high school. My first real card was Discover. Now I have almost a dozen cards! Amex Gold is my main card.
Being an authorized user is the way to go at first, like a cheat code to get started with credit cards! That’s great, you’ve got a lot of good experience then! I love my Amex gold, one of my favorites. Thanks for sharing Joseph!
Thanks for all of your insightful videos Daniel. What was your focus of study in school if you don’t mind me asking? Thanks again.
Thanks so much Valentin! I majored in Finance and graduated college in 2018
I appreciate you sharing!
I’ve been getting quite in the credit cards as well the last Few years
You were making very excellent TH-cam videos I’m so glad that you were able to monetize and start making money off of it
Kind of a weird thing but it’s very easy to tell what you were saying and looks very professional that you open up your mouth very wired I appreciate it and everything you do thanks!
I just got my freedom flex this month how long do you suggest do you recommend before applying for my next chase car more specifically the freedom unlimited or should I go for reserved/ preferred?
I personally waited a few months just so I didn’t rush Chase and risk getting denied. As long as your income is good and credit score is good, then you could go straight for something like the preferred. The reserve may be tougher depending on your credit history. But you should have no problem getting the freedom unlimited if you already got the freedom flex. Hope that helps!
The discover it cash back was my first card for my journey. I never really took advantage of what benefits cards offered and did not really know how strict chase was with the 5/24. I currently have 7 cards and will have to wait for awhile to apply the chase saffire preferred.
I can tell you probably grew up around Philly by the way you said “bad” haha. I live in the North Wales/Blue Bell area if you’ve ever heard of it.
Haha that's the one word I've noticed myself say like I'm from around Philly too haha. And I'm very familiar with that area - that's where I grew up! More around North Wales/Lansdale for me but small world, thanks for watching and commenting Milo
I love these types of videos - I might have to make one now too. Love seeing how you set up your system.
Yeah you should definitely make one, I’d like to see your setup too!
Bank of America change round up feature in about 2009 was awesome
Ok Friend- there is so much information on credit cards. What credit card would you recommend for someone that is interested in luxury travel meaning: access to priority pass lounges and a little bougie behavior when we pull out a card when paying for thigs? + international fees waived would be nice too. thank you!
20 years old now had my first discover secured card at 18 then to the cash back discover card to gold Amex now platinum 💪
oh wow you did this way earlier then expected. Thank you so much for this vid
Haha yeah I was planning another video for this week but this was a great idea so I moved it up on my list. Thanks for the idea, I had fun making the video!
@@Daniel_Braun No thank you it was great video and great card selection. I started with the discover student and now working on the chase trifecta
That’s a great strategy with to start with those cards like that! If I could do it all over again, I would have gotten that Discover card as my first card
When combining all of those benefits from each card, you basically have a cheat code in life haha🔥
Solid video, Daniel ✅
Haha absolutely! Credit cards are like a small financial cheat code. Thanks Max!
my first card was capital one quick silver. i am now 22 with roughly 770 credit score. actually just started the chase sapphire preferred card today!
Nice, that's a great start for being 22!
Yep! I got the Chase Freedom student card, as my first card in college!
Nice, that's a great card to get in college to start your relationship with Chase! I wish I got that card in college
Discover IT card for me. Just got into the chase card game with the freedom flex, will be getting sapphire preferred within the next year or so
Nice, the Discover It card is great! Sounds like a good plan for you 👍 Thanks for watching Kevin!
First credit card was the savorOne🤙, debating on whether or not to get the Savor 🤔you should cover these cards
I’m a simple guy, I see Daniel post a new video, I click like, and enjoy the content.
That’s the way to do it! Why can’t more people think like that? 😂 Thanks as always for watching and commenting man!
Currently 18 but i started off with a discover card with a 500 limit and after 6 months of fully paying it off, got an increase, and a fico score of 743 and applied for an apple card
That's awesome, happy to hear that! You're off to a great start with credit cards at 18! 👍
Nice video Daniel, I'm looking to get my first credit card and researching around but that chase Trifecta seems ok. I've watched your other videos and juggling between Chase or that discover it. Being my first card, choosing what's right for me is somewhat scary. Any pointers?
The discover it is going to be your best option as a first card! Whether it’s the student version or a secured version of that card, depending on what you can approved for. Once you have that first card, just get used to it for a while before looking at other cards. Best of luck!
Love to see a video about your YT journey. And how much making with 1500 subs.
That’s definitely going to be one of my upcoming videos! August will be my first full month of being monetized so I’m going to make a video in September about my experience so far
Great video as always 😁 To some 7 may sound like a lot, but I have 11 myself 😅 just make sure you pay it off in full every month and you’re good to go!
Exactly! Haha yeah, only 7 right now but I should be up there in double digits at some points early next year. Thanks Daniel!
Good collection, Daniel. That Gold card by Amex was one of my favorite cards. Cheesecake factory or Shake Shack every month.
Thanks man! Yeah that’s a great way to use that dining credit!
I just for the platinum and I am terrified of using it- I am a normal hardworking person. How do I benefit from those “credits”? Will the credit be given at the end of the year? Immediately in the next holing cycle? Thanks for all the information
It’s interesting you went with the gold card when you did because the flex was giving 5x back of groceries. Was that because that benefit is temporary?
Yeah I was mainly getting the gold for the long term. I think I still managed to use up most of my freedoms 5x on groceries then. But the Amex gold is my long term grocery card
if you can, would you consider doing a day in a life video, that'd be cool! 🤙
I’d love to do something like that! If I can find a way to make it related to credit cards and my own financial decisions that I go through in a day or a week then I think I can definitely make a video like that for this channel 👍
Graduate of 2018?! I'm 2017😀 congrats man! Awesome video, my first credit card was a Navy Federal Credit Card, my max at first was 500😅 now its 35k🙃 some good habits helped. I have a total of 5 Credit cards.
Discover when I started college, the Capital One, Apple Card, and now Sapphire preferred.
My first card was a Discover It card in college (which I ended up closing because I never used it and didn't know about longest trade line effect lol) but now I have two store cards (express and Williams Sonoma) as well as an Amex Gold and Platinum, Chase Sapphire Reserve and a Bank of America Custom Cash card. I travel for work a lot so the Amex's and Chase are used a lot, and the BOA card is used for purchases while at home.
Thanks for watching and commenting Eric! Sounds like you've got some good experience with credit cards. That's nice that you get some good use out of those cards when traveling for work! 👍
Yeah, I use BOA custom cash for 3% online purchases! Best return i can get from any of my cards on that aside from 5% quarters on discover it (PayPal and Amazon quarters)
Loving the videos! How are you planning to spend those MR points?
Thanks so much, glad to hear that! Right now I am saving them because I plan to potentially do some international travel when stuff opens up a little more. I’m really just looking out for good value for the points on flights mostly
Hey Daniel! I recently found your channel and am really enjoying your videos! I got the discover it student card about a year and a half ago and have a total credit history of about 2 years (I'm an authorized user on my parents' credit card). I have a relatively low utilization and have never missed a payment. I applied for the capital one savor one card in December and got rejected due to my not having a long enough credit history and having too high utilization (found out this was due to my parents' card and they were able to decrease their utilization on that specific card by a lot). I was thinking about reapplying for the same card in April, but it seems like you stick more to Chase and Amex cards. Is there a specific reason for that? The savor one seems really good for dining and groceries, which is what i spend most of my money on as a college student. I don't really spend much on travel either. Should I still reconsider or go for the savor one again in a few months? (I am also looking to get the wells fargo active cash card within the next year or so so I can get 2% on everything not dining/groceries/whatever the discover category is)
He just likes chase and amex, everyone is different. New cars and benefits come and go, there is no best card. When you're starting out stick to cards that have no fees and give decent cash back/rewards. Try your best to get off your parents account, as their cards are going to drag you down, you build up credit history overtime anyway. I would try a card that gives you perks with no fees, but doesn't require credit history. My first card was a US Bank signature Cash+ card, which I got with zero history or credit score. Might have helped that I banked with US, but helped me skip the annoying secured card that most people have to start with. So try to find a decent card, possibly one from the bank you hold an account in.
Mine was a Wells Fargo college card. Got it in 2017 and since then wells upgraded it to there active cash card.
Nice, that's basically what happened with me too! My WF college card is an Active Cash card now
Is it bad to have many credit cards? Because I think on some I won’t use them anymore, just getting them for the sign up bonus and to increase my credit limit.
I have had my chase sapphire for 4 months now and I’ve been looking into Amex I have a excellent credit score so not worried about that. Just wanted to know if it’s worth applying for the Amex gold ?
Hello, I got a Deserve EDU card when I didn't have a SSN, but I'm planning to close it now because my other cards are much better than that.
Current Cards:
-> BofA Unlimited Cash Rewards(Oct 2021) : $1500
-> Deserve EDU Card(Jan 2022): $800
-> Discover IT card(Feb 2022): $500
-> Chase Freedom Flex Card(March 2022): $800
-> Chase Sapphire Preferred(June 2022): $5000
Credit Score is about 710.
Is it a good idea to close the Deserve EDU card now or should I wait for a few months? Also, CSP is my primary card now, but I'm looking into taking any Amex cards in the near future, maybe after a year. Which amex card would you recommend for me? Please help me with my queries. Thank you!
1. Wells fargo active cash, 2. Chase freedom, 3. Chase freedom unlimited, 4. Chase Sapphire Preferred, 5. Chase Ink Business
6. Amex Gold, 7. Amex Platinum
Man I need to get some more credit cards ahaha great video my man!!
Thanks man! There’s plenty of great options out there for you! I’ll be getting a few more to add to my wallet later this year too
Looking to get a card for Walmart. Deciding between Chase Freedom Flex and Capital One Walmart Rewards. Capital one has a introductory offer of 5% cash back for the first 12 months. Chase has 5% for this quarter with $200 welcome offer. Which would you suggest would be best for me?
Not a student Wells Fargo but my first was also the wells 1% cash back rewards card
Have you tried on any of the cards for retention offers Daniel?
Great question Mitchell! I'm going to be calling American Express in just a few weeks when my Platinum card annual fee is due in February to see what they will give me. I've heard of people getting decent offers around 40k points by doing that. I plan to document the whole process for a video!
What’s the average credit score needed for the Chase Flex Card? Great video! 😄
Thanks so much! As long as you've established your credit history then a score of around 700 should be good enough for most applications
@@Daniel_Braun Okay thanks. I’m almost there😄
i just turned 22 i have 6 looking to get more. using them smart dont worry
my first card was the discover it card while i was in college. am now in the process of completing the chase trifecta
That’s the way to do it! The discover it card is such a great first card to get and then completing the chase trifecta after is probably the best strategy to do
First Credit card was from USAA not sure what it is exactly but still use it today.
Nice! First credit cards usually aren’t to big on benefits but are still good to use. Thanks for watching and commenting Bart!
I was approved for a rose gold Amex (for points) last week. I love the unique color and prob won’t let it go. CFU sent a pre-selected invitation today. Should I wait before applying?
Thanks for sharing, my first credit card was from capital one 😀
Nice! Thanks for watching and commenting!
Im 18 and my First card was the BMW amex now i own the amex platinum
Meh you don’t have to be that patient,I just got my first chase card went right for the sapphire preferred, I hit the welcome bonus in one week and got the first Amex gold a few days later, i think if you have about 3 years of Credit history and high spend with low utilization your good to go,but that’s just my experience.
True, you can get a lot of cards very quickly but I really wanted to manage my spending and had to reason to rush it. All varies for different people but I'm happy with the pace that I get my cards at. Glad to hear that you were able to get some really good cards there!
My first credit card was the Capital One Platinum Credit Card. I got it when I was 30 years old.
1st card was the Discover Student Travel card. I probably should've waited until I graduated to capitalize on that miles match they did but oh well. Now I have the Freedom Unlimited & the BofA Custom cash card
Nice! Discover is a great place to start with credit cards. And those other 2 cards that you have now are good as well! Thanks for commenting, Jason 👍
Capital one quick silver was my first
Thanks a solid card to start out with!
Wow I have exactly 7 right now; no Chase cards though I will be getting the trifecta in 2022. for total 10 cards I am good next coming year. Gardening right now.
Nice! Love to hear a good strategy like that. That'll be nice to get the Chase Trifecta next year! Thanks for watching and commenting 👍
My first one was capital one silver one. First $700 after 6 months they automatically increase it to $3.5k. They said thank you for making payments on time.
My first card was from Core States, which became Wachovia then Wells Fargo. I’m old lol. Chase Freedom was my second card and last week I got my 3rd credit card, the AMEX Blue Cash Preferred. The only other cards I want are the CSP and AMEX Gold.
My first credit card was actually a Bank of America Cash Rewards card; not even the student version, just the regular one! I somehow had a 700~ credit score which probably let me get approved, and man I maxed that thing out 😂 I now have 6 credit cards and 3 charge cards--Delta Reserve, Delta Platinum, Hilton Aspire, CSP, Prime Rewards, Apple Card, and the Amex Green, Gold, and Platinum. I had a couple of BoA cards but closed both when I moved my business to Chase. Should I do a video? lol let me know!
Nice first card Paul! Wow man, yeah you've got some serious credit card experience with that collection there! Haha yeah you might have to do a video sometime to go through all of them
Navy Fed Red, AMEX Plat, Navy Fed Green, and then Chase Marriott.
Nice collection of cards there! Thanks for sharing 👍
Hi Daniel. Such wise and practical advice for people entering the credit card world. Wish you had been around to help me get started! Hope all is well.
Hey Anthony! Thanks so much! I know I learned a ton of valuable information from others here on TH-cam when I was starting my credit card journey so I'm glad you think this video has some good advice too. Thanks as always for the support 👍
First CC on my own (not using one linked to my dad) was the Apple Card at 19 years old. Currently 21 almost 22 and I'm looking to get a more premium card with better points and big welcome bonus. The best welcome bonus im seeing right now is the CSP at 60,000 points. It really frustrates me that it was 100,000 points just a few months ago. Do you think I should wait to see if they increase the points bonus, or should I just go for it and get the 60,000 now?
Good to hear that you're looking for some better cards now with bonuses! The CSP is one of my favorite to have. Its a tough call because its really hard to time those welcome bonuses perfectly and I've definitely left some points on the table because of it. If you are getting the CSP like I have, I would also recommend having the Freedom Flex and Freedom Unlimited as well for those welcome bonuses and the way they earn points. Then those points can be combined with the CSP to get great value. Totally up to you if you want all of those cards, but what I would probably do in your situation is get those 2 no annual fee cards first over the next few months while waiting to see if Chase increases that CSP offer to higher than 60k points. Then after waiting a few months you could go for the CSP. It all depends on where you are with the Chase 5/24 rule too and what you prefer to do, but I hope that helps!
Not sure if it's too late now, but if you sign up in the Chase branch I believe you can still get the 100k bonus
I got my first card when I started college. I got the Discover IT Student Card (pretty much exactly the same as the regular Discover IT card)
Hey I’m beginning my credit journey my first card was discover secure card I’ve had it for a couple months I was wondering when it’s time to to upgrade to unsecured card should I close my secured one or keep it and have two to balance out credit history length?
I've been contemplating upgrading my gold card to the platinum
Definitely something you could do. But I would suggest applying for the platinum card separately because otherwise you will miss out on earning the welcome bonus that it offers which is very valuable!
56 seconds for the Nittany Lion shout out lmao ;) Thats a Dan B record lol :)
I started with a Discover secured card.
Awesome! That’s a great card to start with!
So I completed My Chsse Trifecta and Amex Trifecta In a month and a half, people are saying I’m insane for that, But My credit score Is about 788 Right now. Those welcome bonuses are amazing. I Will always use the cards as well. Don’t know If I should wait on getting another one.. 😬😅
Do you just not use some cards and leave them open? Have you closed any cards?
My first was chase freedom student, which became freedom unlimited
Chase freedom unlimited was my first one as a freshman in college
Awesome lineup Daniel, oh sorry, credit card portfolio. I love the sound of that. Slow and steady, great advice. I am currently in the credit card "garden" as I was a little too aggressive in building my "portfolio". My first card at 18 yrs old was from a local credit union (local to the Air Force Base I was stationed at the time). I had to go in for an interview with the vice president of the credit union before getting it. Sounds crazy now.
I like cash back with no annual fees.
What's your next card? Stay safe brother!
Thanks Eric! Lol yeah "credit card portfolio" is just me trying to sound smarter 😂. Wow yeah that's crazy that was the process that you had to go through to get that first card! Cash back with no annual fees is a great way to go for so many people, I'd like to make a video some day about cash back vs points cards and no annual fees vs annual fees. I'm probably going to get the ink business unlimited next as long as I can make the minimum spend work. Its $7,500 to get 75k points on that card as well so that's worth it to me. Then I'm trying to figure out where I want to go from there. I'll be making plenty more update videos of the cards I get! Thanks as always for watching and commenting, hope all is well!
Good information!
Thanks man, appreciate it!
Great video man. New sub here
Thanks Jonny, appreciate it man! Welcome!
How do you know when to use what card? That’s a a lot to remember
I guess I just talk about credit cards a lot so I sort of just know because of that haha
i’m 20. first card was discovered it secured. 2nd card was apple card, 3rd card was amex gold. 4th card was amex plat. 5th card was a card i didn’t know i applied for while buying a matress. 😡
Thanks for sharing - I love the Amex cards!