Ultimate Credit Card Hacking Guide
Рет қаралды 1,688,128
Күн бұрынBrian Jung is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as Milevalue.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.
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Video Outline:
0:00 Intro
0:23 Breaking the Myths
3:17 The Benefits
6:49 The Basics
8:31 Avoid These Mistakes
12:09 The Ultimate Guide
12:55 Secured Credit Cards
14:12 Beginner & Starter Credit Cards
19:18 Most Optimum Plan
23:34 Mid-Tier Credit Cards
29:47 God Tier Credit Cards
32:26 Business Tier Credit Cards
32:41 Reconsideration Line
33:27 Unlocking Your Card's Full Potential
41:27 Outro
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Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. The content of this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
Disclaimer: I am not a financial advisor. Brian Jung does not provide tax, legal or accounting advice. This material has been prepared for entertainment purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. You should consult your own tax, legal and accounting advisors before engaging in any transaction.
@humphrey Жыл бұрын
a lot of value in this one, thanks Brian
@mobankz9698 Жыл бұрын
MYSTICFLIP is young. Holding almost anything mentioned here is a good hold because the VHS or Beta will only show in time. I want to hold them early. Its sad that most dont think of these things as good future holds instead of being out of the market and bottom hunting. Are we the adopters or are we scavengers? surely one of these layer ones will become the standard and i dont want to sell any of them too early.
@vincenttrovato Жыл бұрын
I might be weird but I have zero bills on autopay, and I just use my calander app and a spreadsheets to remind me when due dates are. I just pay all my bills on the 1st of the month for charges due through the next month. Then I know exactly when money leaves my account and when it goes into my account. I prefer the control of this method over having random payments flying out different times though the moth.
@matthewjackson5325 Жыл бұрын
Problems come when something happens where you can't make the payments. If you get sick or injured. But congrats on keeping everything so organized. It's impressive.
@futureprodstudios6760 Жыл бұрын
Man, I’m the same way! I feel like it gives a much more clear picture on your finances! Get rid of all the over head in the beginning so you can budget correctly.
@interestingcommentbut....7378 Жыл бұрын
@@matthewjackson5325that’s why you keep a rainy day fund
@Daze3Daze Жыл бұрын
Dragonfly 😊
@kgzdelivery Жыл бұрын
👍🏼
@DuyPham-on5cv Жыл бұрын
Thank you Brian for a tremendous info you pack in this video! Love the tip about calling the credit card company that you want to cancel and end up getting money just to keep the card open for years to come. Nice visual work and sound effects. Keep up the good work my man!
@Jungernaut Жыл бұрын
Thank you Duy!
@seanwong6475 Жыл бұрын
Just applied for the Chase Freedom, got denied because of my BK from 7 years ago, called the reconsideration line and got approved! There is hope and I’m definitely super thrilled finding this channel. Thanks Brian!
@diablox_youtube Жыл бұрын
Awesome video! Explains all the questions I had over the past couple of months. I was very skeptical about getting credit cards but if used right they are one of the best financial tools. Will watch this video a couple of times.
@jayntash1214 Жыл бұрын
I just got declined from Chase and got approved through the reconsideration line! Thanks!
@carmulcurlz90 Жыл бұрын
What is the reconsideration line? Sorry if it’s in the video. Just found him and a little bit “antsy” lol
@AsiaticWorldTv Жыл бұрын
Really???
@kimquero6723 Жыл бұрын
DAYUM
@lowhy4919 Жыл бұрын
Dragonfly! Subbed and finally found a video that didn’t bore me to death, well thought out and so easy to understand. Thank so much for this.
@mikebarnes2294 Жыл бұрын
Regarding the reconsideration lines - I've had experiences with Chase where they initially deny and you have to call the reconsideration line to re-allocate some of your existing credit lines from other Chase cards onto the new card.
@EthanPatrick_CreditCards Жыл бұрын
Same. Chase can definitely approve you even if they initially denied. Did this just last week.
@malec8517 Жыл бұрын
A tip too, if you have kids depending on the bank and lender. You can add them to your credit line as early as 13 I believe. So you can start helping build their score before 18.
@ivonnecarreras9294 Жыл бұрын
Dragonfly!! Very good video- I used to do all my travel booking with Amex travel- and had stopped- definitely getting back to that. Thank you!
@Et0ny97 10 ай бұрын
Dragonfly! Thank you, Brian, for making this 43 minute video accessible and free. I imagine the amount of filming and editing to create the final product was immense. Again, thank you!
@denisciobotar4480 Жыл бұрын
I am looking into upgrading from my Discover Student Card that Ive used for over a year and this video cant be any more perfect. Thank you!
@bradyharville9438 Жыл бұрын
I’ve watched countless hours of credit card videos over the last year while I’ve been starting my credit card journey in this one video it sums up all the information I’ve gotten from everyone of the videos I’ve watched that your average person needs to know I know most people that are just getting into it are probably not going to watch a hour long video on it but I think it is perfect for them or even people that are already in the game but might have missed a few things on the way thanks a lot for the video
@Jackyliu009 Жыл бұрын
Thank you for this video Brian, I really learned a lot and I am going to give this to my friends. I can't wait to continue expanding my travelling adventures and exploring more public transportation agencies out there.
@edwinhernandez2727 Жыл бұрын
Dude I've been scared to open a credit card bc of fear of debt but the way you explained it it really put me at ease I really do appreciate it.
@nathanorr1001 Жыл бұрын
@@machinesnmetal if you have self control the only thing a credit card does is benefit you and create opportunity.
@johnbenz4301 Жыл бұрын
Don’t be scared of debt. The rich use debt to build wealth and avoid paying taxes just get educated…
@Chicocrypto735 Жыл бұрын
Tʜᴀɴᴋꜱ Fᴏʀ Wᴀᴄᴛʜɪɴɢ... Sᴇɴᴅ ᴀ Dɪʀᴇᴄᴛ Tᴇxᴛ Oɴ Wʜᴀᴛꜱᴀᴀᴘ Wɪᴛʜ Tʜᴇ Nᴜᴍʙᴇʀ Aʙᴏᴠᴇ .....✍️✍️
@Dreadboi1990 Жыл бұрын
Just make sure you have cash flow that out weigh that debt you create
@ismailadiaby8524 Жыл бұрын
Financial education is the best way to be rich . How , where and when to use credit and take advantages . Thank you 🙏
@jeanwoodhouse6456 Жыл бұрын
I like how American Express lists the year you actually initially were granted the card. I have had and closed AMEX over the years. Just got a AMEX for Hilton and it shows I have been a member since 1987! Never really paid attention. Will be keeping this card as it will help in the length of credit area for credit score.
@ebenezeryankson 11 ай бұрын
❤
@sasalwayssmiles Жыл бұрын
Dragonfly! So informative and hopeful - I feel prepared and ready to take the next steps
@sallyragab7165 Жыл бұрын
This video is gold! I have been watching a lot of credit card videos and I couldn't quite get the hang of it but this video oh myy! I now completely understand every bit of detail. Subscribed!
@Fl3xJr Жыл бұрын
Dragonfly! You are amazing man! Thank You for being so informative. You definitely opened my eyes to bigger and better things in life.
@seriouspepe5301 Жыл бұрын
Bro, my old friend recommended me to get started with credit cards. Got me hooked up with intial Amex and discover. I’ve used them non stop for almost 5 years and have always made my payments on time. I’m sitting with an almost 800 credit score and just got an exclusive invitation to a Mastercard black card (approved) Makes a whole world of difference Thank you for the extra info, definitely should be useful to people! :)
@thuluxa Жыл бұрын
Amazing video Brian. Lots of information here. Thank you very much!!
@roswellmiller8216 Жыл бұрын
Dragonfly
@imurked1878 Жыл бұрын
So glad to be seeing one of these…. Much needed for people now n days 💯👍🏽
@GokuBlk Жыл бұрын
Great video bro keep it going, you’re blessing the viewers with your knowledge
@GetOffMyy Жыл бұрын
It's like you're answering all the questions I've been having at the perfect time. Appreciate you.
@Jungernaut Жыл бұрын
Happy to help!
@Yvng__KG Жыл бұрын
Seriously
@mfsusanoo7238 Жыл бұрын
Lowkey
@xxsurajbxx Жыл бұрын
welcome to the youtube algorithm (at its best)
@chrisp7110 Жыл бұрын
I agree with Brian. Some people would say you should invest in something first, then get your car, but if you can pay it off early, you won't need to do that. You should also consider time: when you are younger, you will enjoy that sports car the most, whereas when you are 30 or 40, most people will be more concerned with convenience and luxury features.
@gold9994 Жыл бұрын
True, my dad went from a ford enjoyer into a full-on lexus enthusiast (not that much enthusiastic, there's not much to be proud of a lexus -_-).
@ViincenttB Жыл бұрын
@@gold9994 dude, Lexus is the highest customer rated car manufacturing brand in the world
@gold9994 Жыл бұрын
@@ViincenttB There's only so much to be admired out of lexus.
@DYNOLIUM Жыл бұрын
@@gold9994 Well, an LFA on the other hand though ;)
@gold9994 Жыл бұрын
@@DYNOLIUM That's one. Where're the others?
@AaronC8319 Жыл бұрын
One of the best videos on youtube, more people need this information. Thank you for putting everything together.
@Stonkmaster00xd Жыл бұрын
Wow man, well done. Thank you so much for making this high quality info just free for everyone
@Universe.444 Жыл бұрын
Dragonfly! You are right. I have a Chase college checking account from my college years where all my direct deposit goes, Chase approved me (not pre approve) for 3 cards and a car loan. All I had to do was accept whichever I wanted. I chose the freedom flex and they gave me a 14K limit. I already had the Amex platinum 4 years ago ( got the delta Amex first)
@fahimquicklife8 Жыл бұрын
Heyy Brian, thanks for making this amazing video. I applied for chase freedom flex immediately and got waitlisted at first, probably because I didn't have any relation with them. However, upon calling the reconsideration line I was approved!
@luistobar7 Жыл бұрын
Dragonfly! Thank u so much for taking the time to make this video, very informative 🙌🏻🙌🏻
@chasingjonrankin Жыл бұрын
Bro, thank you for all of the great content that you create. Love the channel and wish you nothing but the best. Stay safe
@Jungernaut Жыл бұрын
Thank you, I will
@djime083 Жыл бұрын
Damn. I missed the credit cards videos. Thank you for always keeping us updated with everything about crypto and finance. Looking forward to any topic you'd like to share in your KZfaq!
@Jungernaut Жыл бұрын
Thank you so much!
@gunnazaki Жыл бұрын
@@Jungernaut the first thing that uuid’s am
@Monk_Mode_Master Жыл бұрын
Dragonfly - I always thought it was bad to have a shitload of credit cards but you changed my perspective on this if used properly. Thanks 🔥🖖🏾
@hiawathanapoleon6946 Жыл бұрын
Awesome video, I've never really paid attention to the benefits of using a credit card especially when you have the cash to pay them off monthly. Thanks for sharing!
@DavidEstrada5336797 Жыл бұрын
Dragonfly- Amazing advice! I always get asked questions when it comes to credit cards and finances by my friends and co-workers and I always recommend they check you out. I am only 18 and have already got my chase trifecta along with my Amex gold card. saving up the points so that when I turn 21 I can travel somewhere outside the country for the first time in my life.
@solace9500 Жыл бұрын
You changed my life. Thank you!
@ashleytrannn Жыл бұрын
You are a real one Brain. Free education at its finest. Thank you for this valuable information!!
@Jungernaut Жыл бұрын
Glad it was helpful!
@shawna.7753 Жыл бұрын
Appreciate the knowledge your always dropping Brian...💯💯💯
@ibistuero3339 Жыл бұрын
Dragonfly…your presentation was very informative and helpful. Looking forward to additional content soon. Thank you for all of your hard work!
@Jungernaut Жыл бұрын
You're very welcome!
@isythnic7574 Жыл бұрын
Just imagine the face of a waiter standing there and watching someone open up not one but two huge books of credit cards😂 anyway great video, before I was complaining clueless on credit cards and now I’ve got a lot more understanding from this video❤
@vcazaresramos Жыл бұрын
I’m always scared to apply for credit cards especially since I’m like an average person with an average job. I don’t want to get carried away with credit cards but this video gave me some knowledge that I want to put into action. Time to apply for the chase flex card… soon 😅 still nervous. Dragonfly !
@cyionz9559 Жыл бұрын
Thank you Brian for this. Really answer all the questions I had.
@Bloodybutterfly888 Жыл бұрын
Thank you so much for taking your time and teaching this. Much appreciated !
@returnnofthemac Жыл бұрын
Great video 👍🏿. When I first got into cards I started watching a bunch of your videos. Eventually I ended up banking with chase and they've been great so far.
@arey256 Жыл бұрын
You rocking the trifecta?
@returnnofthemac Жыл бұрын
@@arey256 No, I forgot about 5/24 so I'm stuck now lol.
@arey256 Жыл бұрын
@@returnnofthemac ooh that sucks. I’m at 4/24 and I want some cards but I haven’t gotten any due to the 5/24 rule
@returnnofthemac Жыл бұрын
You should consider their cards while you're at 4/24. Maybe a business one , I think if you go that route the business one won't take a slot since it won't show on your personal credit. Brian does have a video on how to get their business cards.
@lessonstiff7425 Жыл бұрын
@@returnnofthemac 5/24?
@evanjohansen Жыл бұрын
back to the basics! love the credit videos again brian!
@Jungernaut Жыл бұрын
Glad you like them!
@TheKentanthony Жыл бұрын
Daym brian the quality on the videos are going up allthe way to the moon
@PujiatiSari Жыл бұрын
This is the first time I watch video 40ish minutes straight... Very interesting! Thanks for sharing without any courses offered at the end haha
@anibalnikaplay Жыл бұрын
I wish I knew all this back in 2016. I definitely learned a lot. thank you
@Scoping_coach Жыл бұрын
I just want to thank you for this. I’m autistic and have ADHD. I used your video to “body double” and finally apply for a card. Instant subscribe.
@groundcontrolstation1131 Жыл бұрын
Great video. I am seeing it twice :) Quick question: Is cash-back and reward points the same at the end in terms of benefits?
@Ubiquitous_1 Жыл бұрын
I appreciate this content Dragonfly. Wish I knew about this stuff years ago!
@JacobGoldstein Жыл бұрын
Great video, I would love more detail on the business credit topic. Do you need an EID number or LLC to apply for biz credit?
@markplymale Жыл бұрын
He’s back! This should be good 🍿
@j.m.rsrthelli1767 Жыл бұрын
Legend
@Jungernaut Жыл бұрын
@@j.m.rsrthelli1767 I appreciate you guys
@alliec6264 Жыл бұрын
🫠🥹🤘🙌🤘🙌🤘🙌
@FinancialMaintenance Жыл бұрын
I saw the title of the video and I was like thank goodness. I was getting so sick and tired of stimulus videos.
@vivi1976 Жыл бұрын
Dragonfly
@gaber.1465 Жыл бұрын
Dragonfly! Awesome video! Anyone at any level with their credit can learn something from this. I definitely need to maximize the American Express travel reward perks.
@valki7712 Жыл бұрын
Great info and easy to understand! Now I just need to decide to apply for chase! Thanks!
@IAmCarterAnthony Жыл бұрын
dragonfly! I'm extremely happy I came across your page. Very detailed and explained in normal terminalogy for beginners. Going to check out more content now. Keep up the great work Brian 😁
@Jungernaut Жыл бұрын
Glad it was helpful!
@trapgeezus40 Жыл бұрын
Thanks Brian for the knowledge & information 💯
@troyallen8223 Жыл бұрын
Brian is the truth. Haven't commented in a while but I'm back please follow your life and understanding of financing will only improve👌🥳 Happy New Year Brian
@Nmswill618 9 ай бұрын
Ended up back to this channel for my 2nd time it’s definitely time for a change and now I’m finally in a position to do it 🙏🏾
@Jungernaut Жыл бұрын
Join Our FREE Facebook Group of 34,000 members & Download the full PDF to this video here: brianjung.org/start
@CRUSHENKOV Жыл бұрын
I can see Brians passion to credit cards! Very good video and informative!
@Jungernaut Жыл бұрын
Thanks for watching!
@EthanPatrick_CreditCards Жыл бұрын
There's a lot to love!
@LionsDad. 9 ай бұрын
I appreciate the work in this video, the value… those tips are very useful!🙏🏼
@Timothy-Walker Жыл бұрын
Brian man, this type of content is game changing! I remember watching a video like this from you back in 2020. I just need to apply it.
@bigloudandnoisy3601 Жыл бұрын
I’ve never heard the term “dream apartment” ever before in my life. Didn’t know people preferred apartments
@kevinrodriguez-ju6ij Жыл бұрын
Great video Brian , it was very helpful, thank you for sharing it.
@MasterJamz6 Жыл бұрын
Dragonfly, great info, glad I saw your post! Look forward to watching more, soon!
@davidhawes. Жыл бұрын
Great humor and honest help. If the world had more people like you my brother! Liked and subbed!
@elitepctech Жыл бұрын
What binder do you use to store your CCs? I have not found one that will hold up for more than a few months. Most common problems is that the inside pages tear easily. I currently store my unused CCs like a deck of cards. One stack for personal cards, the other for business cards.
@wh1ppy 5 ай бұрын
Go to like any hobby shop or store that sells trading cards
@todayu Жыл бұрын
A return to form! Glad to some CC videos back in the mix :)
@geraldinegaviola1534 Жыл бұрын
Dragonfly! Thank you for this. You're like my older brother teaching this intimidating world of cc. More power! :)
@BLocksLPYT Жыл бұрын
Loved the video! Why would you switch from the Chase Saphire Preferred to the Amex gold? Is the Chase Saphire Preferred mainly for the sign up bonus? Great content and every time I had a question in my mind it got answered a couple of minutes later. Keep up the great work!
@bradleymikon1435 Жыл бұрын
Can you do a video on when and how to use a credit card to purchase assets that provide cash flow?
@Rudebwoy64 Жыл бұрын
I was just going to ask him that
@giannialvarez_3328 Жыл бұрын
Opened my first CC after this video, I appreciate the info you just gave out!! You got the like and subscription!!
@Jungernaut Жыл бұрын
Awesome! Thank you!
@erikarussell7354 Жыл бұрын
Dragonfly very good tips signed up for your email list. glad you addressed not canceling your first card and what to do about it. my first card is literally the worst and don’t like it.
@Slomotion-ws4od Жыл бұрын
Great content, thanks for sharing and you’re appreciated!🐐💯🤑
@gavdev12 Жыл бұрын
My mom has piggybacked me since I was in high school and been meticulous about paying off the card. Now as a fresh college graduate I was able to easily pass the process for getting an apartment, which was such an incredible gift. Really appreciate that it was something she was thinking about
@Francisco-Danconia Жыл бұрын
That's very kind of her. In the right hands that's great, but I'm uncertain that it's the right thing to do for my kids. Good thing they are still young, so there's time to think about it
@EthanPatrick_CreditCards Жыл бұрын
That's a good mom right there. Thinking about the same for my kids. I'll at least help them understand how credit works early on.
@dex5998 Жыл бұрын
just finding this video! Thank you for the info. BTW, great watch!!!
@oui.monsieur Жыл бұрын
Thanks Brian I've only been asking for this content for months I'm an OG subscriber. I love the crypto market talk as well.
@janvidb4377 Жыл бұрын
So, what are the levels of income associated with the higher tiers of cards? I'm 23 and seeing those numbers really seems a little out of hand. I only have like 2 credit cards... discover and best buy... I pay in full, and my credit score is 700+, but I only have less than 2 years credit history... do you necessarily need more income to get to those credit cards?
@bellamarquis8753 Жыл бұрын
just got approved for my (22f) first credit card today! lol scared but I've been binging your channel today and I feel prepared and informed! Excited to start my financial journey
@Jungernaut Жыл бұрын
Congratulations Bella! 🥳
@blairactive6283 Жыл бұрын
This was top tier. Thank you! 👏🏾👏🏾👏🏾
@SkilledRBL Жыл бұрын
The start of my journey. Thanks Brian!
@amirleung-tat7068 Жыл бұрын
Id like to correct something, Room upgrades are not guaranteed. As someone who works in the hospitality industry it’s based off availability. Having a high status or booking through AMEX travel will help very well but it’s based off of what the hotel has available.
@Kingolimar354 Жыл бұрын
It literally says when available
@shadiahmad4848 Жыл бұрын
That seems to go without being said.
@1620rx Жыл бұрын
Prices are dependent on availability as well. 🤷
@Growyourether Жыл бұрын
Quarter mil loan is crazy!!
@fkr787 Жыл бұрын
Nice video Bud. This was a refresher for me.
@DesmondCleaver Жыл бұрын
The parent I always needed. Everyones so Jaded when it comes to this "Talk"
@KevinnPOV Жыл бұрын
such an informative video. appreciate u man!
@Jungernaut Жыл бұрын
Thanks man!
@talatipolamalu9315 Жыл бұрын
Hey Brian! I’m a college student, have a 754 credit score but don’t have a full time job. Would you recommend getting a credit card that charges a annual fee? I have the discover student card, Apple credit card, and a Amazon credit card. What would you recommend for my next step? Thank you so much and god bless!
@anupamar426 Жыл бұрын
Hi Just saw your documentary on Netflix so I'm here and subscribed. Thank you for all your ideas.
@Jungernaut Жыл бұрын
Welcome aboard!
@PrincessVicari Жыл бұрын
Thank you so much for this video. I will be doing alot better with credit cards from now on.
@mrflores6327 Жыл бұрын
I think the video could have benefitted from being s multi series of 10 minutes videos. Like Mr Beast said; make an outlandish statement like we are going to give an island to a lucky contender in the first 2 minutes; that way retention is kept. You are probably asking why retention is needed but as someone who wants more people to learn; it's now your responsibility to game the system and get seen to as many people are possible. This video outlandish statement could have been you just need this three steps to generate great credit reports and scores.
@kkomzz6144 Жыл бұрын
W video
@Jungernaut Жыл бұрын
Appreciate you fam
@just_boxy9139 Жыл бұрын
I enjoy that, great video. Have you got a video which cover the UK Market?
@techn9ne7777 Жыл бұрын
Thank you for doing this! So much value in this video
@Jungernaut Жыл бұрын
You're so welcome!
@danielp4972 Жыл бұрын
Found you on Netflix. Please please don't be a get rich quick scheme. I don't wanna be rich just financially stableeeee.
@ghostarmor87 Жыл бұрын
I want crypto updates!!!!!!!
@Jungernaut Жыл бұрын
Friday I got one coming for you! Stay tuned
@Kody-Smith Жыл бұрын
So glad I stumbled upon this video opened up, so many ideas and opportunities love the video man!
@Jungernaut Жыл бұрын
Glad you enjoyed it!
@user-yk8kw1zy8z 8 ай бұрын
After watching all the way though I’d like to thank you for the game you’re dropping. A lot of knowledge you are giving the ppl. From and 19 yr old without much guidance, I thank you for the new understanding✊🏾 Took to nerd wallet to continue my search into obtaining my first “God tier” card and play the game how it’s meant. Thank you bro💯
@soleadorelax Жыл бұрын
Great video and great content. Thanks, Brian.
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