I got my credit cards. :)

10 min before the video, beatthebush dragged her in, hand her the notes and said “Read this or I will jack up the interest on the money you owe me”

Beatthebush, I don’t think she was there to learn about credit cards...

That's an awkward date

This is the best speed dating video ever, but without the speed part.

Want to do a collab? :)

This video is great when you just get out of high school and start your credit history. My parents did not teach me this stuff, I had to learn the hard way. Thank you friends

you are such a playa @BeatTheBush

"Frugal dating tips"

“How do you get out of being ruined?” 😂🤣 She’s so cute!

Hey, your friend popped into my mind randomly because I remembered her from one of your videos and now you're doing one featuring her. Cool! This was fun to watch.

24:05 "just do your thang" - swagness lvl 10! haha

And I thought I was awkward.

Really good video! pretty sure its the first time I've actually seen someone else in your videos!

Nice to have a guest on the show. This could be an awesome start to a pod cast and I got the review of the plushies I wanted yaaas. Icebat is a solid 8 and T-Rex is a 10. Don't let all the shipping comments stop you from having more guests. It was an awkward start but a start is a start.

Btb, you found a girlfriend good job buddy! ❤️ is in the air

Good questions and pretty funny back and forth. Don't pay attention to creeps commenting negative things.

Ok I get she's a friend but this is like your take on the boyfriend does my makeup trend. It's like... "Boyfriend answers my finance questions" Haha Can't wait to see what's next!

When your dates end up becoming a finance consultation.

What’s up BTB, pls, can one still get charged interest on a credit card purchase after paying off the previous balance that was owned?

18:30 I think she has a crush on you ;)

Why am I laughing? Brilliant! :)

Great interview👍🏾

Her affirmation to your "does that makes sense?" ....Priceless : )

Great idea having guest once in a while, today learned what’s APR stand for, she is cool I like her Thank you for this video

You should've used analogies to explain better. beginners don't use the same terminology we "experienced" cc users comprehend

kitty in a cup 😂 that part had me dying 😂

This sounds awkward

Francis, you are so wonderful at what you do. I love this humorous take on a subject that can be difficult for many people. I have learned a lot from you this year.

How did you 2 meet, Francis? Great interview! Encore

LOL I;m not sure why this was so hilarious to me. I'd faint if icebat blinked

Now teach her about investments.

This is sooo sweet:)

Hi do you think there’s and pro/con to doing auto redemption of cash rewards vs letting the rewards to accumulate and redeeming less frequently? I have the boa cc

A girl with glasses asking what is credit. Hmmm. Playing dumb huh

so is that the same friend that you had along with your other friend that you did a video a while back on what it's like to be Beat the bush or hang out with Beat the bush in that outdoors video? when she got her first credit card did she get a secured credit card? did she start out with a local bank like the bank of California or did she go straight to Chase? I would assume with an empty file she wouldn't be able to get a Chase or American express that's for people who have 700 or above? I would think a local bank not Citi, Bank of America, Barclay's Capital 1 . local bank would mean banks that are only in your area. would be the way to start out? does your friend have any thoughts about getting any charge cards to stores? the cards that you can only use in the store and store credit cards that can be used in the store and out?

Super Great Video.

Cool Video 👍 I would love to see more videos with your friend asking for investments, stocks, financial independence... etc ....

Beatthebush So is it better to open an account with a credit union and having one of their credit cards vs opening a big bank account and having one of their credit cards?

BeatTheBush where did you find her, i can't stop laughing this was a good watch! Have her on more often

Lol, this was great, funny and informative

CQuat's sense of humor is great! I enjoyed this video.

That was informative n suggest u do more bc this is a great way of answering our ques it seems like it focusing on everyday ppl n hitting the right ques answers Really enjoyed it n answered good topics n points Plus ur friend is too cute of a gal. Great gal

Why does this remind me of Sheldon's Fun with Flags :D :D! Great video Beat The Bush

lol this is so funny. can't believe cquat's never had a credit card

Hey BTB, I have some credit card questions. What’s the best way to increase chances of getting approved for a credit card? I know there is an optimal way to apply for a credit card I just don’t know what they want to see. 1.Do CC companies prefer if you have own a home, rent, or no payment for rent or mortgage? And do they prefer it to be a smaller amount or a bigger amount? 2. What travel CC do you prefer? I don’t have a single travel credit card and I’m looking to get one. 3. I want the highest amount for a credit card possible, how often can I request an increase and what is a good amount to increase by? Do I have to have a larger salary or can it be the same? Thanks, Brent A

Haha, I love this episode! CQuat is so cute! Icebat is not "cute," it's derpy! that makes it cute.

I like the idea of this video. She had some great questions and a great teacher.

lol - a good q&a video :-)

I applied for US bank cash+ 2 days ago with credit of 743 and no job. They sent me an email. "Your application may be subjected to further verification. You will be received additional information in 7 to 10 days". Do you think they rejected me? Also I have got one more hard enquiry.

Can you give some examples of what expenses credit card company will charge you a fee when you make a purchase?

How Asians date... talk about numbers.

I have an Amazon card and a secured card. Any recommendations for a second real card so i can kill the secured card? I heard there was some 5% back gas card. I have to look into that, but any other good cards? Amazon card is interesting. I don't have prime cause i don't think it's worth it, but if you spend $5000 a year on Amazon, it's automatically worth it just for the cash rewards +2% bonus

Question is it possible to use your credit card every once a month for 12 months if u pay them full?

I have used the 0% offers to reduce debt. If I get close to the critical date where the APR will go up, I move the balance if I cannot pay it off. Sometimes, there are no transfer fees. This used to be the case often in the 90s. Recently, DISCOVER had an offer for 0% interest with a 0% balance transfer fee and a 14 month term for the 0% interest. I set auto payments to pay off the debt asap or at least within 13 months to be safe.

BeatTheBush how do i Contact you? I have some info that might benefit you.

Sounds like two robots talking to each other.

15:40 Wow I got both those cards lol. By the way, Discover keep sending me crap invitations in the mail about the IT card then when I go to apply they turn me down! "Too many recent inquiries," bastards lol. I don't need/want another credit card right now but for future reference how long before I can apply for the IT card?

Can someone tell me how you pay off a credit card? With another credit card?

Enjoyed the video she was super nervous lol. Would you do engineering videos?

lol she's going to make it rain lol. Awesome video!!! Super funny! Icebat is 5 in cuteness.

you’re pretty awesome! Thank you!!! 🤙

He's trying to Beat the bush I see !!!!

BTB, do you have a link to the credit card documentary?

So what is your take on paying off the total balance before the statement is issued verses paying the total balance before the due date? I first encountered this issue when I tried paying off my first credit card. Then later a friend encountered the same issue. Let’s say your credit card statement gets issued on the 10th of each month but you get until the 25th to pay for it. If you decide to pay the total balance off on the 20th then on the 10th of next month even though you didn’t use the card at all there will be a balance of interest accrued from your old balance from the 10th-20th. I felt that it was a cheap shot from the credit card companies to screw people over because if people think that they had already paid off that credit card in full and decided not to use that card anymore yet if they didn’t notice that last bill then they end up hurting their credit if they don’t happen to check that last balance and miss that payment.

I liked the video but I like your solo vids more too :) your friend is cute :D

When it zooms in on you and the background in a yellow tent, it looks like you're getting triggered by her question. LOL!

@BeatTheBush. How long does your credit history typically have to be in order for and idle credit card too close and not affect your credit score?

all you need is a slick spreadsheet and missing a payment never happens

Hey is your friend again. What about the girl that likes you?

I'm so mad, I only have a few payments left so I made a double payment, to get the balance down. They still hit me with interest on the next payment. I guess I didn't read the fine print.

Mrs.Bush?

interest is charged at *whatever* rate on the ORIGINAL balance monthly - not on the balance that is $10 less after you paid the minimum - and the same rate is applied ( on the original balance each month) *until* you pay off the original balance- read the fine print....if you use a credit card consider it the same as cash - do I have the cash to pay this? ( ie- pay the balance in full ) - if not don't buy it...

My fav part is 17:19

Cuuuuuute!

Which card is spending $500 and get $200 rewards in 3 moths?

Somebody smashed! Congradulations on your achievement. Lol

This was really helpful, I’ve never had a credit card but have been thinking about getting one because I think one would be helpful when I travel. For instance, most Hotels expect credit cards, and if you don’t have one they make you pay a deposit and won’t let you charge things to your room. I’m gonna look for one with no annual fee.

Did you buy a trail camera to see what your stuffed animals do when you are not home?

What if you close the account yourself that's one year. old with a 95 a year fee but you never used the card ??? Thanks for your answer ( anticipated )

This is great but I like your solo shows more

I also never owned a credit card. It was a great video !

Have you thought of writing a book? I’d buy it.

I just subscribed to CQuat.

I never had a credit card so, should I get one just to buy stuff I need and pay it off right away to improve my credit score. Then once I graduate college would I have an above average credit score? Thats how that works right lol

"Let's do some role playing. I'll be Harvey Weinstein, and you play an actress who wants to get a major part in one of my movies..."

BtB, this stuff doesn't really apply to me (on the other side of the pond) but I'm still glad I spent this half hour on this video because now I understand better why some people in the US struggle with credit and I also understand what you do for your patreons. I imagine that minimum fee is the greatest catch of a credit card because that's how usually people think, "oh, I only have to pay that much". And I imagine it takes a while for that minimum amount to become painful.

OMG this went well

You’re on the money bro hahaha..

My score it's 600 now, but I do got 4 medical collection , these collection affects me from getting a unsecured card, my score it's improving tho. Thanks

I think its great to have a guest on the show

Too cute interview

0 income... how do you save in this case?

Is that your wife?

I also have never had a credit card. I don't think you explained it very well at the start. They are financial debt products used for day to day financing of small to mid size expenses (vs. larger personal loans), with the intention of being paid off under a few years. They are not necessary if you 1) don't care about your credit score and 2) have a good cashflow. Overall good video I learned something. You should maybe cut out the chit chat so it would be a more concise video, but overall it was helpful, thanks.

She seems like that cool friend that doesn't mind if you don't call/text in over a month cause ya'll understand each other's introverted tendencies

Credit card is okay as long as you set up a direct debit/ACH to pay off your monthly amount...

these guys watch Rick and Morty is what I am thinking.

Just pay whatever you spend like when you used to use your debit card directly but here you take advantage of cash back... 👍👍👍👍

Ah bud siding love