5 Lessons Credit Card Beginners NEED To Learn

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Information 5 Lessons Credit Card Beginners NEED To Learn

Title	:	5 Lessons Credit Card Beginners NEED To Learn
Lasting	:	13.40
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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

🔥🔥🔥 major keys in this video ! thanks for the information ! 💎
Comment from : @Everythingsitchy

Do you have any guidance if your already in Credit Card debit and I am enrolled with the National Debit Relief
Comment from : @MonikaMullinsMbratz123

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

Oh wow, the credit utilization is so important I had no idea about that
Comment from : @mclovinlife4018

This video has just changed my life! Thanks Daniel
Comment from : @jancalderon4071

This helps me alot man Alot
Comment from : @Cameronkolls

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

Thank you!
Comment from : @jrose1143

This video answered all my questions! Thanks! 🫡🫡🫡
Comment from : @hak3739

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

slow down on talking, thank you for the video
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Comment from : @ArtairThànhNguyên

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

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

0:54
Comment from : @prsuir1926

What if I made a bill payment like a say before the due date
Comment from : @pokesuko

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

Thanks to 👉Cardmanager01cc 👈 I got my cc and cashapp log from him I really appreciate ❤
Comment from : @sanyeri_official9950

Thanks for making this, never had a credit card and knew nothing about using it
Comment from : @arcane3877

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

Thanks Dan I found this really helpful You just gained a follower Most of my questions were answered
Comment from : @seunmustapha6102

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

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

He goes too fast for us beginners😵‍💫
Comment from : @LorenRod

Is the capital one quick silver a good first card?
Comment from : @samhoffer

"tip #1 - just have a bunch of money laying around " 🙃
Comment from : @rustyjeep2469

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

How to know the date when credit bureau estimate your balance? Is it on Due date?
Comment from : @agtyu

Very good tips Nice video 👍
Comment from : @mekasotropstar352

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

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

I’m gonna start my credit journey I’m trynna learn
Comment from : @lucianok7731

AMEN 🙏🏾🙏🏾🙏🏾 Love This !
Comment from : @BritannyDuhh

Thanks to 👉Dumbsmark👈 I got my CC and cashapp log from him I really appreciate ❤
Comment from : @ClintonDaniel-xj7dq

Great video,thanks men
Comment from : @savoknezevic5554

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

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

Great video
Comment from : @TheMFStudios

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

You talk so much
Comment from : @BayAreaMusicVideos

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

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

It’s a hassle of engagement tactic, but not having time stamps and the tips listed is such a disservice
Comment from : @graret4520

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

So if I want my utilization to be 10 of my $35k limit I should only spen $350 max?
Comment from : @stephanieh5478

6:27 HUGE TIP!!!
Comment from : @Athithan_2000

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

I appreciate your honesty gracias daniel
Comment from : @Rafa-wf1ex

Lesson 3 is a very good tip
Comment from : @presidualist4587

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

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

How long does bad utilization stay in your credit history?
Comment from : @jesusowoo390

Does anyone know how to pre pay a balance on a credit card?
Comment from : @jeffreyandre8

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

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

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

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

Great video
Comment from : @investingissimple1642

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

I have a major expense My girlfriend
Comment from : @ivanhernandez7395

Daniel - have Walmart rewards card, capitol one sent me offer for QUICKSILVER, is that any good ?
Comment from : @dbest4755

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

NEVER miss a payment ! True
Comment from : @chiefexecutive

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

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

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

Can I keep my credit utilization 0?
Comment from : @lgzbr7684

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

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

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

When I first started my credit card journey I definitely overlooked credit utilization; I didn't know about it
Comment from : @CalbyNg

keep my balance low as possible using my platlium card 🙃🙃
Comment from : @princessmeganelsa1901

Just showing support
Comment from : @GUAYO1996

I started 6 months ago but yea still watching these with 4 cards I have 75k
Comment from : @BubbaSnipe03

Can you make a video on the Bilt card
Comment from : @steezyking8031

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

Do a video with airlines please!! With chase sapphire !!
Comment from : @Jordan-dm2ug

This man’s cheek bones so defined he looks like heath ledger’s joker
Comment from : @andreyscumpieru1371

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