Jacob tyler discover it card perks are great but good luck when you have an issue with anything discover is always making excuses for there mistakes

Menachem Shilcrat never had a problem with them so far. I always get someone on customer service right away if I have a question or issue.

Discover is awesome and super understanding...I highly recommend them.

If your credit score is good enough for the Chase freedom you should change your Quicksilverone to the regular Quicksilver. The rewards are the same but the Quicksilverone has an annual fee while the Quicksilver does not

Depends on what you mean by "manage" lol I put everything on auto charge and auto pay so I don't manage much.

Good point

Most of my cards have these - I didn't mention it though.

Iggy Jr I literally just did a video on that stuff ;)

cybern9ne I have discover it card and it sucks because when an issue comes up where a merchant needs to be disputed they do not have ur back this company has major issues and only make excuses for why things go wrong

cybern9ne this is a good idea, but when I compare them often there are repeat categories and/or the freedom ends up the better of the two overall category wise. However, for 5%, I find the nusenda Platinum Cash Rewards to be a great pair with the freedom. This year I had groceries, gas, and movies twice and restaurants 3 times between these 2 cards. Then the us bank cash+ let's you pick 2 categories from a list, and the vantage west connect visa let's you pick one out of its own list. Lastly, there's a fort Knox credit union card and an NRA card that offer 5% on gas, but the NRA also has 5% on sporting goods stores. Personally, after the freedom, I'd get any or all of those cards before the discover it, simply because its categories are nice but not as nice as those other cards for me.

Agree!

Thanks!

You're welcome!

Thanks for watching and commenting!

You're welcome - thanks for commenting!

supremeobliterator that must be nice!

Nice! Good luck!

I love following Ramit Sethi's job hunting tips! He's awesome!

True! Thanks for watching and commenting!

Donna J. Richardson Thanks! Glad to hear that!!

You're welcome!

LOL yass girl!

Credit cards are never right dumbass...

@@usa_dobson8967 aaaaannddd there's the Dave Ramsey fanboy.

Nice!

Thanks for watching and commenting!

Thanks! I appreciate your comment :)

Around 650?

And you got 15k? I got 5k and have a 720credit score

luis gutierrez goes by income as well. More income, more credit.

Jonathan Saunders thanks! I’m happy they are helpful for you!

Cool! I love our name! Thanks for watching and commenting!

Nope! Same credit limit!

Hmm - seems like it only makes sense for people who eat at restaurants a lot!

Thanks for the response :)

SAVOR is great for dining (3%), gas & Groceries (2%). Amex gives me (3%) on groceries, (2%) on gas (Blue Cash Everyday card) and I have a different gas card that is like 3%.. Just find a card that meets your needs, I'm not a fan of capitol One.

Thanks! NYC

Talia VG many cards offer no interest for a year from opening the account. You pay with the card and then it's up to you to make sure it's paid before your 0 percent runs out, the monthly payments can be whatever you want

They put the total amount on the card at once. But I had nO interest for a year so I only paid back what the laptop actually cost me.

I knew that eventually the annual fee would get charged and I don't want to pay annual fees for my cards, personally. I only have one card with a fee. I didn't want to get another card with BoA and I wanted to try out Capital One!

you could have down graded from the Venture to the Venture 1. so after the first year is up and the annual fee kicks in then you could have down grade to the Venture1 and transfer all the miles from the Venture card to Venture 1 and you would have more miles. You made a mistake opening up the Venture1 before the Venture card.

Nope only bank with BoA!

The best credit card i prefer that,s discover giving best promotions, offers and long life 0% if any one want to know how to pay off your balance with 0% get in touch with brandan cruz

saddam chaves navarrete she has the capital one venture card

Alfonso No, All banks let you get their cards without any other banking. HOWEVER having an account with the bank is a big plus when you apply for their cards.

Alfonso - no, you don't.

I had the same as you - only accounts with BoA and opened cards with Chase - so nope!

My score was like 35 points lower and I paid it off in 12 months.

I went ahead and got it. Conversion was not an option, but I applied for a new one and got approved. They only gave me barely enough to cover the purchase, but I moved some credit from my CashForward card to give my utilization some headroom. Barclays makes moving available credit between cards super easy. Thanks to that, the hit to my score after the purchase is hardly noticeable. The deferred interest terms on the Apple rewards card are worth a careful read. They calculate interest from the day the purchase is made. If I'm late on a payment or if I don't finish paying it off before the end of the term, all that interest gets added to the balance. That's a pretty big incentive to stay up to date on maintenance of this account.

I have lived in NYC my whole life and a car here is a luxury. I take public transportation everywhere because it is super reliable. But if I lived somewhere else that would probably change idk!

mybetterfilms Only cash back!

Best thing for travel points (in my opinion) is to get the Chase Sapphire Preferred AND the Chase Freedom. The Sapphire Preferred has a $95 annual fee, but it's waved the first year. Plus, you can transfer any points you get from the Freedom into your Sapphire Preferred account and then use the points for travel redemptions. We're in year two with the CSP and we've already had a free hotel stay and a free flight with tons of points to spare - well worth the $95 fee!

When paired with the preferred or reserve it makes a great travel card because u can transfer your cash back to travel points in Chase’s reward program on those cards.

@@danilaselva so it's ideal to apply for chase freedom then maybe a year later apply for cap? Or apply for both at the same time?

*IF YOU HAD A CREDIT CARD FOR A YEAR AND YOU'RE UNDER 5/24, YES.*

Definitely call the collection agency that is showing up and settle it with them - they are the ones that will report it as closed with the credit bureaus.

MissBeHelpful thank you! Also, is opening a new credit line when you have bad credit a good idea to help raise it up? I would be opening a capital one card

TheOfficialCV yes it's a bad idea because it will create a new hard inquiry which lowers your score AND it will bring down your age of credit which will lower your score even more

MissBeHelpful I don’t have any open credit cards at all, the ones my parents opened without my consent and later ruined for me so I naturally started with bad credit :/ I was honestly thinking of opening that up and then slowly paying off all the debt I have (but making sure they charge it off and erase it from my credit history) also, it’ll it’s a few years left should I wait or pay it off?

Then about 25 years ago you should of contacted the card company as well as the other bureaus to have it reported

Tyran Bibbs depends on what perks you want! Do you have a back account with them?

Hi. I have the Discover IT credit card which one on great things about this card is that it has a 5% cash back reward. So it’s recommended to spend 30% of your credit limit. How the cash back reward works is that whatever amount you spend you’ll get 5% back from that amount. For example if I spend $100, 5% of $100 is $5, and 5% of $500 is $25. The more you spend within the 30% of your credit limit the more cash back. Mind you the higher the credit limit, the more you get to spend but still within the 30% of your CL. You can see the cash back you earned on your monthly statement. You can choose to use the cash back you earned to help pay off your current balance. (Which is what I do) Or you can choose to get gift cards with the amount you earned from the cash back. It really depends on your credit card. Hope this helps 😊

SimplyMalayshax Thank you for that explanation, you were helpful 👌🏿👌🏿👌🏿

I agree.

Just Moni if you buy it cash they won't run your credit. And even if they do run your credit it will only lower by a few points. You should be alright

pay with cash for a car soo not worth it to pay on credit

Honestly if you insist on getting a car get one that is between 2 to 3 years old less than 30,000 miles. Also if your credit score is problem I would improve your credit to in the low 700s that way you will be more likely to get approved with a lower interest rate.

I use my iphone!

As long as you have good credit history and a credit score.

I have zero debt!

Congratulations. Banks play with your money. You will understand that when you reach 50 years old. Have a great day!

Cancel it after you get approved for another card with a better bank. Stay far away from First Premier.

U should cancel it u only had the card for about a year so u wouldn’t be hurting your credit score that much. Try and apply for the capital one platinum card is very easy to get and it has a low annual fee. If your credit isn’t there yet then I recommend get the Capital one secured card. Stay away from first premier and credit one they have way to many fees and no perks. Good luck

agreed go to capital one first and pay for a secured card to rebuild your credit and then cancel the card

I would def cancel that card. As some of the comments below pointed out you may want to get new credit in the amount of the card you're cutting so your utilization doesn't change too much!

LOL really? I live in NYC so yeah. Thanks for watching and commenting!

What exactly do you mean? Having credit cards for long periods of time is extremely helpful. It helps establish your credit history.

@@ValenNitto like how long should i wait until i apply for a second card?

@@Sasan_Guitar it depends how long your credit history is. Short credit history, it'll bring down your score but it'll eventually bring it up. Long credit history, it'll barely do anything. I applied for 3 cards recently and it barely dipped 5 points.

Depends which one. Google the score they usually accept and see if you're in that range . Thanks for watching and commenting!

Thanks! www.patreon.com/missbehelpful