Thank you. I still prefer just two cards because that’s about all my brain can handle with all the other stuff I’ve got to be on top of too. That’s just me. Anything over two and they stress me out
And that's good. Credit cards are a financial tool, so as long as you use them properly you should be fine. If you feel you can't handle more than two cards, great. If you feel you can handle more, also great. Do what's comfortable for you!
Dear Missbehelpful, I recommend using the Apple calendar for tracking credit cards. You can set the closing date and balance due date and so much other stuff. I also track all my bills with it. Mortgage, auto loan, utilities etc...
On the other hand it's not a good idea to set up automatic payments because some banks don't allow you to make a second payment within a certain period of time.
If you don’t know how to manage your card even if you pay you still could mess up your credit utilization exemple:one report on February 24 and one report early March 10 if you go and pay in full on the 25 the credit bureau will not see it and on the 10 of April the second report another balance the credit bureau will add up and put your utilization high while you pay and don’t owe no money.
I use excel spreadsheets. Easy for me and no errors on adding up categories. I usually rotate between two cards every month for spending. Then i have a couple cards i use only for certain categories.
I use 2 cards, cash back and gas, the other 54 cards, I use at the first of the month, either a dollar of gas or a dollar on an Amazon gift card with a dollar. Set up the payment for 20 days after the charge, since grace period is 21 days. Sleep like a baby and leave spreadsheets for nerds that have no life. Dormant cards without 45 days usage don't help your score.
Hi, can you tell me what the best utilization would be for two cards? One is $500 and the other card is $200. Do you keep each card under 10% or do you add the cards together and stay under 10% from the total of both cards? This is so confusing to me having two cards. Thanks!
A* • add both together then divide by ten that would be 10% .... she also says subtract a couple $$ so you can be at 9% and it would report as excellent
thanks for the TPG app recommendation. Downloaded it and seems the same as the Wallaby app, searche dand found that wallaby and tpg partenered to launch the tpg app. Funny enough the tpg app seems more responsive as pulling the account info and recent transactions. Will check YNAB
I want an app that I can put all my cards on which will show active balance, due dates and minimum payments do and are updated automatically without human input. I have like 9 cards and it's a pain going into each app to get the information.
I’ve watched many of your videos and love the content. However, I have to say that unless I’m in a dead-quiet room, your audio makes it extremely difficult to hear even at max volume.
Couple things here GREAT INFORMATION! You’ve been really helpful I’m enjoying your videos and you’ve got a new sub! People saying that you audio is low have cheap phones! Lastly, you are so beautiful it’s distracting lol sheesh I’m trying to learn here!
Why would you use a credit card for something based on 5% back that particular credit card is only $500 and charge is a $100 When in fact you have another credit line that's $10000 and provide you a lower credit utilization???
Thank you. I still prefer just two cards because that’s about all my brain can handle with all the other stuff I’ve got to be on top of too. That’s just me. Anything over two and they stress me out
And that's good. Credit cards are a financial tool, so as long as you use them properly you should be fine. If you feel you can't handle more than two cards, great. If you feel you can handle more, also great. Do what's comfortable for you!
Same here. That's why my limit is two girlfriends at a time. Anything more than two stresses me out
Agreed!
Yup - I could definitely understand that! It does take a bit of time to manage!
The only real vendor I found on here is *mikeskyler* on telegram, that man is good for real 😳 I got my credit card from himb
I simply use my calendar app on android to remind me due dates and reporting dates.
I have 8 credit cards and i set all on same due date and auto pay. No problems
The only real vendor I found on here is *mikeskyler* on telegram, that man is good for real 😳 I got my credit card from him
I didnt know you could do that , im doing that now
I applied for my 3rd card today. I got approved in 60 seconds. I always wanted a Discover card.
The only real vendor I found on here is *mikeskyler* on telegram, that man is good for real 😳 I got my credit card from him
Dear Missbehelpful, I recommend using the Apple calendar for tracking credit cards. You can set the closing date and balance due date and so much other stuff. I also track all my bills with it. Mortgage, auto loan, utilities etc...
The only real vendor I found on here is *mikeskyler* on telegram, that man is good for real 😳 I got my credit card from him
I always learn a lot from you. Congrats!
Thanks - I appreciate that!
On the other hand it's not a good idea to set up automatic payments because some banks don't allow you to make a second payment within a certain period of time.
If you don’t know how to manage your card even if you pay you still could mess up your credit utilization exemple:one report on February 24 and one report early March 10 if you go and pay in full on the 25 the credit bureau will not see it and on the 10 of April the second report another balance the credit bureau will add up and put your utilization high while you pay and don’t owe no money.
Very useful content. Thanks for the spreadsheet. Very helpful. :)
The only real vendor I found on here is *mikeskyler* on telegram, that man is good for real 😳 I got my credit card from him
I use excel spreadsheets. Easy for me and no errors on adding up categories. I usually rotate between two cards every month for spending. Then i have a couple cards i use only for certain categories.
Makes sense! Whatever works, right!? Thanks for the comment!
Jamesthacoolcat99 what's spreadsheet?
MissBeHelpful can you please add the link to the google spreadsheet you were talking about? Great video, very informative!!!
Added it! Also linked here: docs.google.com/spreadsheets/d/1hI9mxgPMNbISfsB7xbyWJbr-ObmLsUIb7Rual-pzpvA/edit?usp=sharing
The only real vendor I found on here is *mikeskyler* on telegram, that man is good for real 😳 I got my credit card from him
I use my brain on which credit card to use at the merchant place. sometimes I also use cash..
The only real vendor I found on here is *mikeskyler* on telegram, that man is good for real 😳 I got my credit card from him
I have 6 credit cards this was very helpful.
Glad to hear it!
@@missbehelpful can I buy something with these credit cards or free trails?
The only real vendor I found on here is *mikeskyler* on telegram, that man is good for real 😳 I got my credit card from him
Madina Dia The only real vendor I found on here is *mikeskyler* on telegram, that man is good for real 😳 I got my credit card from him
Your my new favorite youtuber
The only real vendor I found on here is *mikeskyler* on telegram, that man is good for real 😳 I got my credit card from him
Brilliant!
THANKS so much for recommending the Mint and TPG apps. I'm going to use one or the other since I have more than 6 credit cards.
Hey Anthony, did you ever fine that TPG app? I cant seem yo find it on Google play store.
@@WeComingToGetYouBarbara I found the app. They are updating it so it is currently unavailable. So, I signed up to receive the newsletter.
The only real vendor I found on here is *mikeskyler* on telegram, that man is good for real 😳 I got my credit card from him
CadeCrash BrowieOreo The only real vendor I found on here is *mikeskyler* on telegram, that man is good for real 😳 I got my credit card from him
Awesome video's
Good Stuff
Your so beautiful, that hair looks so great on you chiquita 💜
I hope you have good weekend !
The only real vendor I found on here is *mikeskyler* on telegram, that man is good for real 😳 I got my credit card from him
Need to take a easy to credit cards
Is it possible to combine reward points from different Bank credit cards ? Like capital and citi
Nice and informative
Thanks! Appreciate the comment!
The only real vendor I found on here is *mikeskyler* on telegram, that man is good for real 😳 I got my credit card from him.
Very helpful vid 😁
Glad you think so! Thanks for the comment!
Vgood video thanks!
The only real vendor I found on here is *mikeskyler* on telegram, that man is good for real 😳 I got my credit card from him
Can you please put the names of the apps in the description or on the actual video spelled out. I couldnt really understand
Mint App, TPG App, YNAB App!
The only real vendor I found on here is *mikeskyler* on telegram, that man is good for real 😳 I got my credit card from him
Your eyebrow game is on fleek
The only real vendor I found on here is *mikeskyler* on telegram, that man is good for real 😳 I got my credit card from him.
I use 2 cards, cash back and gas, the other 54 cards, I use at the first of the month, either a dollar of gas or a dollar on an Amazon gift card with a dollar. Set up the payment for 20 days after the charge, since grace period is 21 days. Sleep like a baby and leave spreadsheets for nerds that have no life. Dormant cards without 45 days usage don't help your score.
Whaat?
only 30K subscribers?
Alotta youtubers are missing out on this great ladies channel
Dude, there are dudes with over 100k subscribers providing the same info
The only real vendor I found on here is *mikeskyler* on telegram, that man is good for real 😳 I got my credit card from him
CastrejonHDTV The only real vendor I found on here is *mikeskyler* on telegram, that man is good for real 😳 I got my credit card from him
Its not 10% or less, it's under 10% if you charge 10% then is gonna put you at a higher level of not getting the highest credit score. .
Hi, can you tell me what the best utilization would be for two cards? One is $500 and the other card is $200. Do you keep each card under 10% or do you add the cards together and stay under 10% from the total of both cards? This is so confusing to me having two cards. Thanks!
A* • add both together then divide by ten that would be 10% .... she also says subtract a couple $$ so you can be at 9% and it would report as excellent
What does the points guy app look like? I can't seem to find it on the play store.
The only real vendor I found on here is *mikeskyler* on telegram, that man is good for real 😳 I got my credit card from him.
Me encanta tu maquillaje, natural and fresh
Now a days most girls on TH-cam are using like 8 layers of makeup and fake eyelashes
The only real vendor I found on here is *mikeskyler* on telegram, that man is good for real 😳 I got my credit card from him
Are these apps safe to use and won't be hacked?
I can’t figure out my cycle. I know when the statement end and when it’s due that’s it and on my credit statement doesn’t say when it starts
Have you tried calling up your credit card issuer and asking them exactly when your cycle starts and ends?
It should be a date range at the top next to the due date somewhere like 1/28-2/27. Look for that or just call up the card issuer and ask!
MissBeHelpful yeah it doesn’t say I’m going to have to call
If you know what date it ends, it starts the next day. If closing date is the 5 th, your cycle is the 6 th to the 5 th.
The only real vendor I found on here is *mikeskyler* on telegram, that man is good for real 😳 I got my credit card from him.
thanks for the TPG app recommendation. Downloaded it and seems the same as the Wallaby app, searche dand found that wallaby and tpg partenered to launch the tpg app. Funny enough the tpg app seems more responsive as pulling the account info and recent transactions. Will check YNAB
The only real vendor I found on here is *mikeskyler* on telegram, that man is good for real 😳 I got my credit card from him
I have 5 and I handle them very good it’s not hard to me to manage had all due dates and statement cut dates all set the same time.
The only real vendor I found on here is *mikeskyler* on telegram, that man is good for real 😳 I got my credit card from him.
I can't find the Google doc link??
Added it and linking it here: docs.google.com/spreadsheets/d/1hI9mxgPMNbISfsB7xbyWJbr-ObmLsUIb7Rual-pzpvA/edit?usp=sharing
Thank you so much
The only real vendor I found on here is *mikeskyler* on telegram, that man is good for real 😳 I got my credit card from him
You only get a late payment if its 30 days late.
True!
Lol this girl just be talking knowing she cute as heck...
I want an app that I can put all my cards on which will show active balance, due dates and minimum payments do and are updated automatically without human input. I have like 9 cards and it's a pain going into each app to get the information.
Have you tried Tally App? I have not heard from ppl using it but saw ads for it a few times.
The only real vendor I found on here is *mikeskyler* on telegram, that man is good for real 😳 I got my credit card from him b
I have 7 credit cards tell me how to manage Billing cycles?
Easiest thing to do is call them and ask them to change your billing cycle dates so that they all match. Then you only have one billing cycle LOL
issa wifey
The only real vendor I found on here is *mikeskyler* on telegram, that man is good for real 😳 I got my credit card from him
Thank you
The only real vendor I found on here is *mikeskyler* on telegram, that man is good for real 😳 I got my credit card from him
I’ve watched many of your videos and love the content. However, I have to say that unless I’m in a dead-quiet room, your audio makes it extremely difficult to hear even at max volume.
Strange! Are you listening on the computer or on a phone?
I use both my computer and phone. I binge-watched through your channel in the last week or so.
Same here, I heard her say that she uses a mic but if she boost the audio levels in her software, that would be awesome for us
@@missbehelpful I think you sound perfect.
Great Video but the audio is low.
Couple things here GREAT INFORMATION! You’ve been really helpful I’m enjoying your videos and you’ve got a new sub! People saying that you audio is low have cheap phones! Lastly, you are so beautiful it’s distracting lol sheesh I’m trying to learn here!
That’s funny I do the note reminder on each card too lol
It works!
What such a pretty and smart lady....
The only real vendor I found on here is *mikeskyler* on telegram, that man is good for real 😳 I got my credit card from him
Got damn girl I love your voice I would not mind hearing that everyday to nag about taking out the trash lol.
Killersentra right? Thought it was just me.
Marvelous0622 Don't mind me I'm a freak.
Killersentra haha
I thought it was just me. I can listen to her all day.
Hey there miss, miss you visiting my school
The only real vendor I found on here is *mikeskyler* on telegram, that man is good for real 😳 I got my credit card from him
You fine
The only real vendor I found on here is *mikeskyler* on telegram, that man is good for real 😳 I got my credit card from him.
Looking like an emoji
The only real vendor I found on here is *mikeskyler* on telegram, that man is good for real 😳 I got my credit card from him.
Guau, chica, te ves linda! tu piel perfecta y tu acento, me gusta todo 😍
Why would you use a credit card for something based on 5% back that particular credit card is only $500 and charge is a $100 When in fact you have another credit line that's $10000 and provide you a lower credit utilization???
I just want a free Netflix trail😅
The only real vendor I found on here is *mikeskyler* on telegram, that man is good for real 😳 I got my credit card from himb
Your talking way to fast. Thanks for the information.
Fatima Bey Oh you’re welcome! Sorry I know I do talk quickly! You can hit 0.5x in the speed settings and hear it more slowly :)
MissBeHelpful lmfao 🤣
😊I didn’t know...Thanks
☺ I love it when a woman talks credit to me
Please marry me. Your face is a symphony of beauty and your voice is a cadence fit for God's own ears.
Great video but honestly it's too long work on making shorter videos max 10 min
You are gorgeous!!! Are you married???
Sorry babe five credit is nothing. Step up your game and get an Amex Platinum Card. Get 25 cards then you’ll be on your way
I wish I could leave my credit cards at home but Apple Pay is just so convenient 😝