Title | : | 5 Lessons Credit Card Beginners NEED To Learn |
Lasting | : | 13.40 |
Date of publication | : | |
Views | : | 189 rb |
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Having accumulated a balance of 9k on my credit cards I had to spend a year and a half of my life saving every dollar I made paying that off It’s a position no one should be in Pay off that balance every month or you’ll have to spend years digging yourself out of that hole like I did Comment from : @JebadiahYT |
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🔥🔥🔥 major keys in this video ! thanks for the information ! 💎 Comment from : @Everythingsitchy |
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Do you have any guidance if your already in Credit Card debit and I am enrolled with the National Debit Relief Comment from : @MonikaMullinsMbratz123 |
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i know this is a dumb question but if I pay off my balance, will I be able to use that credit again or is it a one time use lol Comment from : @Lorenzopdesign |
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Oh wow, the credit utilization is so important I had no idea about that Comment from : @mclovinlife4018 |
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This video has just changed my life! Thanks Daniel Comment from : @jancalderon4071 |
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This helps me alot man Alot Comment from : @Cameronkolls |
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Thank you for providing us with this type of information I feel like this is the information that should be tough in school When I got my credit card I felt so lost and embarrassed to ask how do I used this credit card With time I got more comfortable to as for help one of you videos also helped me Comment from : @nancysalgado5027 |
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Thank you! Comment from : @jrose1143 |
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This video answered all my questions! Thanks! 🫡🫡🫡 Comment from : @hak3739 |
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you did an amazing job explaining the minimum knowledge we need as beginners definitely nice to have a parent who knows and has good credit too Thanks Daniel!! Comment from : @laineymay8072 |
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slow down on talking, thank you for the video Comment from : @billcarter4670 |
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Working with bCREDITFIXFIX/b has been nothing short of a life-changing experience Their tailored advice and brilliant strategies helped me raise my credit score faster than I could have ever hoped Their excellence in financial coaching is truly inspiring Comment from : @HelksHồngBích |
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The transformation bCREDITFIXFIX/b brought to my financial life is beyond words Their trailblazing approach helped me achieve a credit score I once thought was unattainable Their team’s guidance, encouragement, and expertise are invaluable Comment from : @IrinaPhươngLinh |
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Credit recovery can seem impossible without the right tools, but bCREDITFIXFIX/b makes the process seamless With their guidance, I turned my credit around in record time, achieving financial stability that once felt unattainable They are truly the game-changers of the industry Comment from : @ArtairThànhNguyên |
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i keep an emergency fund / savings, in gold and silver keeps me from spending it like cash, but still liquid enough that i can easily dip into it and take some to a gold and silver dealer and sell it at about spot, and it appreciates faster than cash or a savings account usually Comment from : @toadamine |
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Thank you for these tips I’m definitely a beginner This video helped cleared up any confusion I had on this subject Your instructions/advice were very easy to understand and I appreciate it!❤ Comment from : @janellemccumber6805 |
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0:54 Comment from : @prsuir1926 |
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What if I made a bill payment like a say before the due date Comment from : @pokesuko |
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i always pay mine in full on the 17th of every month (payment due on the 22nd) how does that affect my utilization 😭 Comment from : @booboointhetootoo |
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Thanks to 👉Cardmanager01cc 👈 I got my cc and cashapp log from him I really appreciate ❤ Comment from : @sanyeri_official9950 |
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Thanks for making this, never had a credit card and knew nothing about using it Comment from : @arcane3877 |
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I’m getting my first credit card and it only has a $200 credit line Is it better to use my card more and just pay off most of the balance before the statement closing date or to just maintain a low credit utilization percentage the entire time? Comment from : @viv0002 |
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Thanks Dan I found this really helpful You just gained a follower Most of my questions were answered Comment from : @seunmustapha6102 |
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Thanks bWHITEDUMPS/b teledude 4 keeping it straight forward with hitting methods you pmo Got d mailed blank card & cash out easily, You're realest destination Comment from : @SilverlaneKriginski |
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Thank you so much! I appreciate the time you have taken to explain I just got my first card, I’m 63 There is another young man who explained how to use your credit card, and I feel so very grateful to both of you guys It gave me a better understanding the bank that I applied with were very gracious, and I’m so thankful that they took their time to help me get started, but I couldn’t understand everything These videos have helped God bless you and thank you again😊🙏🏽 Comment from : @blessedand4givenipress570 |
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He goes too fast for us beginners😵💫 Comment from : @LorenRod |
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Is the capital one quick silver a good first card? Comment from : @samhoffer |
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"tip #1 - just have a bunch of money laying around " 🙃 Comment from : @rustyjeep2469 |
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Forgive me if this was already answered but dumb So if I use $20, I have to pay back $15 before the end of the month but before the monthly pay thing? So I got to put $5 less of what I wasted? Can I do that the same day I use the card?brBut I have heard that you should always pay your monthly fee in full So is that ok?brThis has me stressed 🤣, I've only had it for a little while Comment from : @UniLlama418 |
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How to know the date when credit bureau estimate your balance? Is it on Due date? Comment from : @agtyu |
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Very good tips Nice video 👍 Comment from : @mekasotropstar352 |
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I'm 33 years old and am about to get my first credit card and pay while this video helped, it also made me realize how stupid and ridiculous the entire credit system is The fact that if you have a 1k max and use 500 and pay that off it hurts you credit score makes no sense and is bullshit I hate that I need to get a credit card in order to get a house Comment from : @patriotismxkills |
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must be great to make enough money to save a bunch in the bank for expenses If I could do that I wouldnt need a credit card to trap me in debt Comment from : @kevinravenklarson1969 |
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I’m gonna start my credit journey I’m trynna learn Comment from : @lucianok7731 |
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AMEN 🙏🏾🙏🏾🙏🏾 Love This ! Comment from : @BritannyDuhh |
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Thanks to 👉Dumbsmark👈 I got my CC and cashapp log from him I really appreciate ❤ Comment from : @ClintonDaniel-xj7dq |
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Great video,thanks men Comment from : @savoknezevic5554 |
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So in order to lower your credit utilization do you have to pay the card off before the closing statement or before the payment due date? Comment from : @darlensloiis5958 |
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I only use my credit cards for my rent and a bill It’s on auto payment and I just for get about it I get the points and the cash back without the head aches Comment from : @TheMFStudios |
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Great video Comment from : @TheMFStudios |
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I was thinking of paying each item from my bank account right after purchase, but now not so sure that is wise So are you saying that I shouldn't prepay the full amount but allow my auto pay to pay $10 on a card with a $1K credit limit at the end of the month? Comment from : @NewYork10280 |
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You talk so much Comment from : @BayAreaMusicVideos |
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Here's some advice DON'T FREAKING DO IT! Don't buy things you can't afford Put together an emergency fund to draw from it there's a rainy day Comment from : @firefighter0585 |
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How can you build credit if you pay the due balance in full? Doesn’t that mean nothing is being reported? AKA they don’t know the card is actively being used? Please reply Comment from : @MoneyManDubz |
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It’s a hassle of engagement tactic, but not having time stamps and the tips listed is such a disservice Comment from : @graret4520 |
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Ok so I’m a visual learner and u putting the picture up really instantly helped me kuz I’m not going to lie I didn’t know what u was talking bout but u help a lot dude thanks Comment from : @kalyiaslife9062 |
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So if I want my utilization to be 10 of my $35k limit I should only spen $350 max? Comment from : @stephanieh5478 |
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6:27 HUGE TIP!!! Comment from : @Athithan_2000 |
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Sounds like credit cards are more trouble than they are worth I have lived the last 20 years without credit cards and been totally fine Comment from : @scienceMicroguy77 |
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I appreciate your honesty gracias daniel Comment from : @Rafa-wf1ex |
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Lesson 3 is a very good tip Comment from : @presidualist4587 |
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I just know da credit card I bought with the guidance make it so easy to use, thanks to this dude called…TRENCHGLITCH could have made few mistakes under fake bot Comment from : @Frank_reinhard |
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I need help Daniel! I have 4 credit cards Been paying them all at $0 PRIOR to statement closing date and my credit score still goes down Should I report SOME type of usage on ONE or ALL of them prior to statement closing dates? OR just keep balances at $0 prior to statement closing? I've tried both and credit keeps going down 😔😔 I'm so confused! Comment from : @blezz3d |
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How long does bad utilization stay in your credit history? Comment from : @jesusowoo390 |
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Does anyone know how to pre pay a balance on a credit card? Comment from : @jeffreyandre8 |
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How does a low utilization help anything? It’s a score which will change once you get a higher utilization Boosting a credit score does nothing If you don’t have real cash money to back up that credit spending On your high interest cards Comment from : @MrCbell57 |
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So basically you need to make money In Order to have and use credit It’s great to have a high score but if you can’t back it up with cash money it’s worthless Comment from : @MrCbell57 |
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I'm 18 and I'm looking to start building my credit score, I've tried applying for accouple of credit cards and have continuously been denied, my guess is that its because I don't have a credit score? what are some credit cards I can apply for as a beginner? Comment from : @BtrSwtReiyah |
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So I just got approved for a credit card if I spend 100 on my credit card and pay it back immediately that’s positive on my credit card? Comment from : @jackboy9636 |
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Great video Comment from : @investingissimple1642 |
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A secured card is how I got started I put $200 on a Discover It account, one of the best reviewed beginner cards I researched I've been very happy with them from the start I only used it for purchases under $20 and it definitely helped boost my score For me, it was a great way to start as a beginner, so best of fortune to anyone who may find this advice helpful Comment from : @adamn78 |
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I have a major expense My girlfriend Comment from : @ivanhernandez7395 |
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Daniel - have Walmart rewards card, capitol one sent me offer for QUICKSILVER, is that any good ? Comment from : @dbest4755 |
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Wow, #1 is a MAJOR tip that I barely thought about, and I'm a college student who's been using credit cards since early 2020 Thank you for this right here Comment from : @javianjohnson8746 |
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NEVER miss a payment ! True Comment from : @chiefexecutive |
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Charge cards are rarely talked about Can you make videos about how charge cars works and bust myth about how its bad for your credit? Comment from : @arielreyes7835 |
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I always tell people to set up autopay for the minimum payment You should definitely pay off the balance in full but just set the autopay for the minimum as a fail safe, just in case you forget about it and don’t have quite enough in your account to pay it off in full it will only take the minimum which will save you from an overdraft fee AND more important save you from a late or missed payment Comment from : @princesskkay221 |
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You give great advice The only huge issue I’m reminded of when I watch your videos is you had the benefit of staying with your parents and saving up Not everybody was able to save up extra money and comfortably move out when you wanted, and any extra cash saved gets quickly used up when things pop up But regardless, your tips can help anyone who’s responsible get back on track Thanks for keeping us updated with the cc game 💯🤝 Comment from : @GetOffMyy |
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Can I keep my credit utilization 0? Comment from : @lgzbr7684 |
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Treat every credit card like a charge card except with a preset spending limit and pay it off immediately My mistake was not keeping my oldest credit card and letting it close due to inactivity Never doing that again Comment from : @Th33Vultur3 |
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Dumb question but if you pay it off in full before the end of your closing date do you have 0 credit utilization? And is it good to keep it at like 1-2 to show that you've used credit, just not a lot? Thanks for any insight! Comment from : @ronburgundych4634 |
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Thank you so much Dan this is a wonderfully informative video! I'm about to open my first ever credit card and I'm just wondering that if I do pay early to avoid credit utilization, would I still be able to earn the same amount of points/benefits the card offer? Comment from : @daffaadraghifari8266 |
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When I first started my credit card journey I definitely overlooked credit utilization; I didn't know about it Comment from : @CalbyNg |
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keep my balance low as possible using my platlium card 🙃🙃 Comment from : @princessmeganelsa1901 |
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Just showing support Comment from : @GUAYO1996 |
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I started 6 months ago but yea still watching these with 4 cards I have 75k Comment from : @BubbaSnipe03 |
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Can you make a video on the Bilt card Comment from : @steezyking8031 |
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Does credit utilization refer to the average of all your cards or per individual card? If i use 25 on one card but 1 on on another, do they look at the 25 or the 25 and averaged out? Comment from : @coreyw5981 |
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Do a video with airlines please!! With chase sapphire !! Comment from : @Jordan-dm2ug |
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This man’s cheek bones so defined he looks like heath ledger’s joker Comment from : @andreyscumpieru1371 |
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I have another question, if I pay the balance right after making a purchase there will be no credit utilization reported if it’s before the statement date right? So is that good or bad for my credit score? Comment from : @Abbyonice |
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