bless your soul, woman.

My credit score was stuck at 796 trying to get 850, now I see what I was doing wrong, paying too fast on the credit cards payments.....thanks for the advice

just got a capital one $300 limit quick silver card with a 586 credit score. last month spended $51 dollars and paid it all off 1 day before my due date. trying to rebuild my credit. awsome vid love the advice and humor. keep it up!

I love your videos!! I am obsessed w/ credit and I'm going back to catch up on all of your videos! Thanks for sharing ❤️

I've been looking for a solid channel to improve my credit score, by someone who is honest and trustworthy. Look forward to learning and applying your knowledge. Thanks for taking the time and energy to make these videos.

The way you explain things make it more interesting then it should be. Probably because your so cute😩😍

Very important to owe 1% to 9% of your credit card limit on every bill statement. But one day after your first upcoming bill statement is printed pay that amount in 100% in full right away or before the due date.Some bill statements are not printed on the same date every month due to weekends, so make sure your bill statement has been printed before you pay your credit card in full.Rinse and repeat every month.this is a great video she explained things in an easy way to understand.

Wow you are sooo good! I didn't know about that minimum credit rule! Wooowww...

im new to this credit card thing, gotta say I enjoy your videos they're really helpful , keep em coming 👌💳

You should put up a video for when it's ok to cancel a credit card. The biggest one being is if you have to pay an annual fee for it, if it has a huge APR such as over 20%. Either way great video!

I’m a 24 year old single mommy who didn’t care about my credit until I found out I was pregnant. Honestly I am so grateful to have found you on this channel. I just got approved for a 300$ cc so from my understanding the most I can use is $26-27$ to keep my utilization down. I’m learning so much from you!

Problem is the local store isn't making any money because of what they get charged by the credit card companies when you use your credit card for a little 5$ purchase. You're making prices rise in the stores and hurting small businesses. Just use cash for a small purchase!

I use my credit card daily but I ensure I have a direct debit set up and pay it off monthly. I learned this the hard way. Well Miss you have serious credit card knowledge.

Excellent explanation! The banks love seeing balances on accounts while processing closing statements. Make it a great day!

Tell me why my credit card company couldn't give me the answer myth 4 for me...lol. Thanks a lot! I've been trying to get the answer to that for a few days now. No one seems to know haha

That's good to know, the $10.00 minimum on credit card purchases.

Awesome advice really helpful and your bringing genuine value.

Fact number 3 is the most interesting.. thanks a bunch!!

Educational... Thank you!

Myth 1. You don't need to use your credit cards all the time for them to remain active. As long as they're used once every 1 or 2 years, you're fine. Myth 2. Closing a card doesn't hurt the average age of your accounts. Credit cards will continue to report on your credit reports for up to 10 years, meaning by the time they fall off, the rest of your accounts will have aged 10 years as well. Totally true on the utilization part though. =] However, there are ways to use your credit cards right up to the limit, and still maintain low utilization. Myth 3. Totally true Myth 4. There's nothing wrong with paying before your statement generates. This will keep your utilization low. Reporting balances isn't required. Ideally you want to report between 1-9% utilization on one card, and 0% utilization on the rest of them. Myth 5. This can vary by state, as can service charges for using credit cards. You can file a merchant violation with the network (visa, mastercard, Amex, Discover).

Most helpful! Love your vids.

You been on your grind I’m so Happy for You..

I've used my amex for a $2 grocery purchase at Kroger ha ... another thought would be to perhaps ask the credit card company when they report to the bureaus so that way you'll know when they see what they see in terms of your credit usage - perhaps

The 301 number to report works all in the USA... Because is a couple stores by my house..

This video is very educational.

my cs jumped up to 687 fico. and i got approved for a bank of America rewards card. 3 credit cards in total. all paid on time. thanks for your advice.

Thank you for tip #4!!

Question, I'll be getting my first credit card this month... Is there a such thing as auto pay with them? & will that have a negative effect on my credit report?

Great video thanks for sharing

Subscribed... why oh why people think they have to carry a balance to build their credit , I will never know... 0 % interest is the way to go...

thanks for the info and thanks for not wearing a ton of makeup like most KZfaqrs.

Amazing Video. Keep doing your thing. I've learnt alot from this one video x God Bless

Thank you for your credit card knowledge I am not very knowledgeable when it comes to credit cards

I love your non-mainstream mentality/theme

Initially,I just wanted to know about creditcards but after watching all of your videos i'hv gained the confidence and now i got my first credit card...nice work i enjoyed it.if u know how to invest in stocks using credit cards then post it,it will be very helpful ....

You make cool informed videos thanks

I pay it down to 3$ to let a statement generate. Then pay the rest.

Awesome.. Thank you for the info.

Love ur intelligence. So helpful and true.

Very Informative , thanks.

Wow. Minimum for credit cards that too $20?? ... Well in Japan .. They will take card even for 1 Yen (1 cent) .. Its kind of weird to set minimum amount.

Your welcome! And thank you for the information its pretty helpful and you seem very knowledgeable on the subject. I'm on credit karma and the information seems accurate but the credit score seem to be off. Do you know by how much points if off relative to the actual credit or fico score?

great video!

Great information... Thanks

Soooo helpful!

thanks you really helped me out

funny end.I like !!!!!

Thanks for sharing, I find you authentic.

Could you make a video on your opinion how to pay off the credit card?

yes I would like to see a video on how to pay down on credit card debt.

Your face is so alive lol. Love it

since it's there store they have the right to set a minimum on credit card purchases. yes it can be 15.00 , 20 whatever they want. just like when you go into a gas station or local drugstore and you see gift card center they have a right to say for those cards it's cash only. I have no problems with a 20.00 minimum or 15.00 either 1 is fine.

Thank you for this video. It opened up my eyes to something I thought I was right about, but I was wrong about. I'm going to send you an e-mail cuz I do have a question.

“Mmhhmm Yeah”” lol

Thanks for your video, I am done with credit cards. I always pay my bill as soon as it posts to my account. If that’s not helping my score then I really don’t need the card. I’ll just use my debit card and call my bank and see if they give cash bank. I have Bank of America do they might. Thanks again for the video

Watching this as a teenager that never used a credit card,not even his parent’s one

If I pay in full before the statement closing date and it shows a 0 balance does that show the lenders that there’s no activity in the account? I know that it will show no activity to the bureaus, but will it affect the way the lenders see it?

So true!

great TIPS

So I have a question i had a maycys card limit 300 I got it about a year ago and I just canceled it about 2 days o and that same day I opened a card also maycys American expres my question is will it hurt my credit if I close the other one

thanks

Wow, did you go back to the wine store to see if they changed their sign?

thnaks you help alot.

ok if MY credit is $500 how much I Need to expend each month? and how much I need to pay?

if I don't use my credit card for a whole month, is there some kind intrest i have to pay, or intrest will only be added if i don't pay in due time?

Do you need to make a bigger purchase and pay the minimum amount for a few months until it is paid off? I have been told that this is the way that you build credit. Because it shows that you make your payments on time.

What about the clubs. They be having a $30 minimum sometimes for card. Is that legal?

By dialing 301 you can report stores?

Why does this video appear like a credit card commercial to me?

Hello miss helpful. I have 3 credits, are you suggesting that I use all 3 cards once a month on low cost purchases?

off the topic but i was wondering if you wear makeup when you record? cause it seems like you don't but I think you have really good skin and dont need makeup.Have you ever though about doing skin care videos?

Subscribing as off right now that was truly Helpful.

The best 😂😍

Hi I have a question. I just recently because of my credit which poor/not great I got approved for secured capital one credit card which no anual fee. I then got approved for a quicksilver one capital one credit card with a $300 limit with a $39 anual fee. I confused as to which one to go with.... thank you.

what if I pay the minimum 25 on the due date and the rest a day later because that's when I get my paycheck. what happens then with the interest rate

would closing newer accounts if I have older accounts help my credit age. My newer accounts have small limits $200 and $300, I do not think they would affect my utilization much

hello, love you! my question is...Am I liable for credit inquiries that I physically DID NOT SIGN FOR? Example is my wife has applied too many times on-line for credit cards in my name without me knowing about. I'm only now seeing this as I look at my reports. Thanks so much!

I don't know if you are still active in this channel but I have a question similar to myth 4 I just got my first credit card a discover it card for students and they say that my first statement closes in August 11 and my due date is september 6 im very confused by this do I pay my full balance by august 11 or do I have to pay everything by september 6 before i get charge interest and will it affect my credit score if I pay let say all my fees in September 5th or will it be better to pay early, what would you say would be the best time to pay (date wise). Question 2 : why do I have to pay so early I have only have had this card since august 2nd less than 10 days why do I have to pay the full balance by august 11th doesn't make sense , card I'm using : discover it chrome

Pause 0:16

Just found your channel! So helpful! Your wonder! Thanks for sharing! Jesus loves you!

Love her accent and her skin tone

I use my credit card for everything, and pay it bi-weekly when I get paid. I always leave a balance owing, but here's the deal I leave my money in my savings account or put it into my mortgage saving me money while using the banks money to buy my weekly shopping, I could pay off my balance right now. if I was stupid. or I could just keep using the banks money to buy stuff and use my money to work for me.

Brought to you by the credit card industry.

You are so smart indeed a sister or a wife like her to help me stay financially stable 💪🏽

I wouldn't use credit cards..screw it. save money...

What do you think of merrick bank

What if i move out of state? I plan to move to texas (currently in CA) should i close my bank account/ 401k or transfer it...will the taxes be taken from CA or the state i will be resident in?

Cuuuuuute

Please remind me to not mess with you!

#5 what is 301?

Great video...😍😍😍 i have a question it bothers me a lot hehe.. it says on my statement "payment due date Feb 11.2016" so when exactly should i pay my credit card. thanks it helps me alot.

Hola Yanely

because it's there store. let's say you need to buy some food or drugstore medicines either are essential we'll use your price 10.00 at a local grocery store or local drugstore correct me if I'm wrong since it's there store don't they have the right to say for credit card purchases there's a 15.00 or 20.00 minimum? Now I know your saying to yourself I'm the customer I'm paying you that's true but think about how the merchant feels when a customer walks in pays by credit card and they have to pay a 3to5 % swiping fee? for 10.00? what about this idea if your buying something for 10.00 why not use your debit card if it's only 10.00? I rember growing up grocery stores didn't take credit cards, ice cream places didn't, movie theaters didn't fast food restaurant's also didn't , hair salons too. Think about it this way if you had a family of 4 back in the 80's and you went to the movies, people got paid less in those days, I think movies cost about 5.50 per person and then add soda at 4.00 popcorn at 4.00 depending upon the size yes you can share the popcorn but soda at 16.00 add in the movies think about what it was like to pay cash in those days movie theaters didn't take credit cards? also with ticket master when you walked into certain locations for the longest time if you wanted to see a rock concert or a Hockey summer baseball game think about how much it would cost in those days walk ins you weren't allowed to use a credit card. if you called on the phone then that was a different story. I know back in 1989 you weren't allowed to use a credit card for walkins. Now to answer your question if you needed to buy food or drugstore medication and it cost 10.00 you don't have alot of money and you want to use your credit card but the merchant has a sign up saying a 20.00 minimum on credit card purchases Yes it's certainly unfair to you. you could always go to a big chain market like Shoprite krogers, Acme ect for drugstore you could go to a cvs , wallgreens , rite aid , Duane reade ect. we have a sit down restaurant in my area called Kinchley's they don't take credit cards I have no problem with that, now a days places have atm machines so you could always use your debit card to get the money that you need. Think about how long sit down restaurant's took credit cards a real long time and this place doesn't. MissBeHelpful yes your 100% correct it's unfair.

Why do want to have a credit score to be high, isn't it just proof that you are willing to be in debt ? In fact, why do want to have a credit score ?

she's prettier this way! NO MAKE UP, beautiful baby girl.

Great Skin

shes smart

what's up with these weirdos disliking videos?

i want a date

i hope my question didnt come off ofensive but it's good to know that there are still women out there who belive in being natural. have you ever thought about making natural skin care videos along with credit. your skin looks about 15 years old.