DO NOT get credit cards unless you are going to pay them off in full. Making minimum payments on your cards, along with interest rates, will be harmful for your wallet and your time!
@kilquik886 жыл бұрын
You need the discover it in your life. 10% cash back your first year on rotating categories is unmatched
@michaels32056 жыл бұрын
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
@kilquik886 жыл бұрын
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.
@k.s.alexander94274 жыл бұрын
Discover is awesome and super understanding...I highly recommend them.
@JoseRamirez-rp4db3 жыл бұрын
Hi, came across your channel. So far, good info on credit cards. It's good to educate people on that topic, so many people don't understand how to use credit cards to your advantage. I don't see a video on other card benefits like Cell Phone Protection, Rental car waive insurance, etc. Also, how to use credit and rack up points and never pay APRs. One thing I recommend friends is to always check in on new offers on your existing card for another 0%. Just some suggestions. Great job though!
@alexis48226 жыл бұрын
My first card was also the BankofAmerica CashRewards Card. I opened CapitalOne QuickSilverOne just to improve my utilization. My next card will also be the Chase Freedom, which I will use to finance my laptop. Great videos!
@suezotiger6 жыл бұрын
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
@HonestFinance6 жыл бұрын
2 Cards is good enough for me. Anything over 2 and they a little annoying to manage
@missbehelpful6 жыл бұрын
Depends on what you mean by "manage" lol I put everything on auto charge and auto pay so I don't manage much.
@HonestFinance6 жыл бұрын
Good point
@anastasia40015 жыл бұрын
Thank you girl for making these videos, i just applied for my first credit card:)
@ivjr16 жыл бұрын
What about Card features and benefits like No foreign transaction fees, Extended warranty, Travel protection, price protection, etc.?
@missbehelpful6 жыл бұрын
Most of my cards have these - I didn't mention it though.
@HonestFinance6 жыл бұрын
Iggy Jr I literally just did a video on that stuff ;)
@akin2420024 жыл бұрын
If you live in the Northeast coast, the JetBlue card is Gold. Great card to have because you can fly to Las Vegas, LA, San Francisco, ATL, or the Carribian directly.
@journey2credit845 жыл бұрын
Did you got any new credit cards since this video?
@cybern9ne6 жыл бұрын
Interesting that your choice in credit cards follows your education. I'm curious why you haven't chose to apply for the Discover IT card to take advantage of 5% categories and rotate spending with the Chase Freedom card.
@michaels32056 жыл бұрын
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
@roberttaylor89066 жыл бұрын
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.
@missbehelpful6 жыл бұрын
Agree!
@XxAlex530xX6 жыл бұрын
I like how you talk. Great video! really made it easier to choose :) Thank you!
@missbehelpful6 жыл бұрын
Thanks!
@dianagonzalez54494 жыл бұрын
you give me fellow Dominican vibes! love ur videos
@ladyblue32556 жыл бұрын
I love your tutorial. Thks so much.
@missbehelpful6 жыл бұрын
You're welcome!
@djtruedomination5 жыл бұрын
You have a nice card lineup. The only card similiar we have is the Venture card. I have the one where I pay an annual fee. It is the card I use when I can't use another card. It is very versatile.
@EILA11256 жыл бұрын
and 2 years after here I am learning about credit , really good video BTW 👍🏼👍🏼
@missbehelpful6 жыл бұрын
Thanks for watching and commenting!
@danilaselva6 жыл бұрын
Have you ever considered product changing some of your older cards that you don't use anymore? If you product change, you don't get the signup bonus, but you do get to keep the original line of credit. I agree, canceling an older card is a bad idea, but if there is another card in their line that you think you would get more benefits from, it may be worth inquiring about a product change.
@TheTyson356 жыл бұрын
Great vid as always, thanks
@missbehelpful6 жыл бұрын
You're welcome - thanks for commenting!
@supremeobliterator6 жыл бұрын
When I first started experimenting with credit card bonuses and such it was about a year and a half ago. My first card "Other then the card for the bank I was with" was the Bank of America cash rewards card that you have. Now that I am a commuter living in Alaska I spend about $200.00-$250.00 per month on gas, I love the 3% cash back on gas, it helps a lot.
@missbehelpful6 жыл бұрын
supremeobliterator that must be nice!
@mahmoodhussain246 жыл бұрын
Beautiful financial advice
@qves303016 жыл бұрын
Thanks for sharing ... great video
@SourRudy6 жыл бұрын
thank you so much for this video, i'll be consideringgetting an barklays apple rewards card when i'm ready to purchase a new laptop
@missbehelpful6 жыл бұрын
Nice! Good luck!
@nataliegarcia21996 жыл бұрын
Love the vid. Was wondering if you had any job hunting tips.
@missbehelpful6 жыл бұрын
I love following Ramit Sethi's job hunting tips! He's awesome!
@dbla244 жыл бұрын
Thank you for your videos!!! I work for Alaska airlines.... i get lots of tickets i can hook you up with tickets!
@DominicanNfly2 жыл бұрын
Hola, me gustaría saber si todavía piensa igual o tienes nuevas opciones para este ano. 2021
@brandonzamudio95616 жыл бұрын
They really need to teach this stuff in HS. “ADUTLING” I Recently have two credit cards. One with care credit and my other one just came in today with capital one pretty pleased with what I have for now. Maybe in a couple months I’ll apply for discovery it !
@missbehelpful6 жыл бұрын
True! Thanks for watching and commenting!
@ladyblue32556 жыл бұрын
You're welcome. I 've learned so.....much. My score is Good.
@missbehelpful6 жыл бұрын
Donna J. Richardson Thanks! Glad to hear that!!
@stanjackson69076 жыл бұрын
Thanks for the info...helpful :)
@missbehelpful6 жыл бұрын
You're welcome!
@cristi2586 жыл бұрын
Yo though, how do I have 3/5 cards you have? I must be doing something right!! BWAHAHA
@missbehelpful6 жыл бұрын
LOL yass girl!
@usa_dobson89674 жыл бұрын
Credit cards are never right dumbass...
@multimeter28593 жыл бұрын
@@usa_dobson8967 aaaaannddd there's the Dave Ramsey fanboy.
@dbrowng13 жыл бұрын
Why not product change your Bank of America card to something that works better for you?
@DannalizCouture4 жыл бұрын
I recently opened the Chase Freedom card and only use it for the rotating merchants/categories am looking forward to the $200. The Cap One Venture is my oldest card.
@missbehelpful4 жыл бұрын
Nice!
@larrygruyereee6 жыл бұрын
What is your opinion on secured credit cards?
@NelsonR0016 жыл бұрын
nice vid, you look a bit nervous, you kinda relaxed a lot at 2:23 when you remembered your college, you project your self a lot better when you seem relaxed :)
@missbehelpful6 жыл бұрын
Thanks for watching and commenting!
@swanstorybooks6 жыл бұрын
Thanks for sharing. You're a very smart lady.
@missbehelpful6 жыл бұрын
Thanks! I appreciate your comment :)
@kellyknuth12475 жыл бұрын
I have 3 credit cards that I use for different purposes. My oldest one is almost 12 years.
@quickdubbs3284 жыл бұрын
Nice. I do have a bank of america 💸 rewards as well chase freedom unlimited. I wanted chase a freedom! Looks like its on the same principle, as my discover it 💸 back!
@malikshaheed39176 жыл бұрын
What was your credit score when you opened up chase freedom
@missbehelpful6 жыл бұрын
Around 650?
@16luisg166 жыл бұрын
And you got 15k? I got 5k and have a 720credit score
@FlashPBallin6 жыл бұрын
luis gutierrez goes by income as well. More income, more credit.
@wejustplayinggames20476 жыл бұрын
Very helpful videos I really appreciate these...
@missbehelpful6 жыл бұрын
Jonathan Saunders thanks! I’m happy they are helpful for you!
@itsyanneirym6 жыл бұрын
My name is just like yours yanneiry but it isn't prounouced with a j it's prounouced with a y spanish it's sounds the same
@missbehelpful6 жыл бұрын
Cool! I love our name! Thanks for watching and commenting!
@jamesthacoolcat99266 жыл бұрын
Nice video. Did the jet blue card change from amex affect the credit limit with the other barclaycard?
@missbehelpful6 жыл бұрын
Nope! Same credit limit!
@playlistiphone87436 жыл бұрын
If you don't mind dear, can you please post a video about the SAVOR card by Capital One? I've seen the commercials lately and wanted to know your thoughts.
@missbehelpful6 жыл бұрын
Hmm - seems like it only makes sense for people who eat at restaurants a lot!
@playlistiphone87436 жыл бұрын
Thanks for the response :)
@heavymechanic25 жыл бұрын
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.
@King_Maxx74 жыл бұрын
How do you know the perfect time to apply for a credit card. Is my credit profile going to get me approved or denied? Please advise
@supercool5916 жыл бұрын
Very informative!! Where are you from?
@missbehelpful6 жыл бұрын
Thanks! NYC
@anzonix6 жыл бұрын
Yeah. How much is the combined annual fees with those?
@taliavg73886 жыл бұрын
Hi! With the Barclay Apple Rewards card, did they split up the cost of your laptop into the months for you as though they were a purchase each month? Or did they put the total amount on the card at once and you had to pay interest each month? Thanks!
@suezotiger6 жыл бұрын
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
@missbehelpful6 жыл бұрын
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.
@emarin2006ftw6 жыл бұрын
Favorite part @ 6:56 :} sassy
@marksantucci42306 жыл бұрын
There not in your wallet? if you don't drive how do you get around like restaurants , best buy , the mall , hair saloon , your job? I have a question because you made a big mistake. being the first year is free why would you apply for venture1 which only gets 1.25 miles per dollar when you could have gotten the Venture card which gets 2 miles per dollar and waves the annual fee? what made you pick this card over the Bank of America travel card?
@missbehelpful6 жыл бұрын
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!
@marksantucci42306 жыл бұрын
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.
@brootal42346 жыл бұрын
I was wondering, when you got the Chase Freedom card, did you already have a Chase bank account?
@missbehelpful6 жыл бұрын
Nope only bank with BoA!
@akaribhussain10424 жыл бұрын
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
@212dls3 жыл бұрын
What is your credit line limit on the Capital One Venture card ?
@saddamchavesnavarrete98596 жыл бұрын
It is very interesting you do not have any cap one credit card
@ziich15 жыл бұрын
saddam chaves navarrete she has the capital one venture card
@alfonso60126 жыл бұрын
Hey do I have to open an account with chase to get a credit card from them? I have the Bank of America cash reward right now and have all my money with BOA
@MegaBallPowerBall6 жыл бұрын
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.
@roxcyn6 жыл бұрын
Alfonso - no, you don't.
@missbehelpful6 жыл бұрын
I had the same as you - only accounts with BoA and opened cards with Chase - so nope!
@mrdisco996 жыл бұрын
I've actually been thinking of converting my Barclay CashForward card to the Apple Rewards card to finance a new MacBook. I've just been so averse to carrying a balance on any of my cards or reporting any significant utilization that I feel a bit squirmy about it. 0% for 24 months is really attractive though. How did it affect your credit when you did it? And how long did it take to pay it off?
@missbehelpful6 жыл бұрын
My score was like 35 points lower and I paid it off in 12 months.
@mrdisco996 жыл бұрын
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.
@juniormedina76526 жыл бұрын
What's your major?
@cocodakilla6 жыл бұрын
how come you don't drive? :O I'm questioning whether to learn or focus on making more money...
@missbehelpful6 жыл бұрын
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!
@mybetterfilms6 жыл бұрын
Does the chase freedom give you travel points? Or just cash back? I don't care about cash back but I want a good travel points card, thanks
@missbehelpful6 жыл бұрын
mybetterfilms Only cash back!
@danilaselva6 жыл бұрын
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!
@zacbryant73446 жыл бұрын
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.
@realtalkjanedoe4 жыл бұрын
@@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?
@srenesca156 жыл бұрын
I have a 726 credit score.. Do you think that I will be qualified for a Chase Credit Card?
@Jesus-kt5dc5 жыл бұрын
*IF YOU HAD A CREDIT CARD FOR A YEAR AND YOU'RE UNDER 5/24, YES.*
@casewhite50486 жыл бұрын
Year or 2 later triple black card
@oanhnguyen-ex6jd6 жыл бұрын
Discover IT!!
@TheOfficialCV6 жыл бұрын
Hello!!! I’m not sure if you can reply on here, but If you can.. I have a question/advice on what to do, I remember when I was 18 I opened a credit card with Old Navy but the catch is. I never got the card, and they never provided me with any type of mail or whatsoever. So in total, over time, (it’s been about 4 years) it went to collection (now that I revised my account) but the amount is 0 and everything else is 0. I don’t know what to do? Should I dispute to get it taken off? Help!!
@missbehelpful6 жыл бұрын
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.
@TheOfficialCV6 жыл бұрын
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
@missbehelpful6 жыл бұрын
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
@TheOfficialCV6 жыл бұрын
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?
@deborahanderson42116 жыл бұрын
hello, new subbie...I've had my first credit card for twenty-six years.It's only showing on my equifax report?
@GhostPlaysGames5 жыл бұрын
Then about 25 years ago you should of contacted the card company as well as the other bureaus to have it reported
@Sarasdad915 жыл бұрын
Wow. Sounds like you're living the American dream. Wish I was having that much fun. Have you heard anything recent on FICO Ultra? Wondering when we can opt in...
@IonNeedAName6 жыл бұрын
Do you recommend Citi ?
@missbehelpful6 жыл бұрын
Tyran Bibbs depends on what perks you want! Do you have a back account with them?
@kilo72086 жыл бұрын
Can someone explain how cash reward card work?
@SimplyMalayshax6 жыл бұрын
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 😊
@kilo72086 жыл бұрын
SimplyMalayshax Thank you for that explanation, you were helpful 👌🏿👌🏿👌🏿
@richardsanchez91905 жыл бұрын
So are you part of the 6 percent of Americans that are actually getting something out of your rewards credit cards?
@paoloalfante38016 жыл бұрын
Your next cards should be the Chase Trifecta family.
@BeANicePerson_5 жыл бұрын
I agree.
@justmoni11116 жыл бұрын
I heard your credit gets hurt every time an auto company runs your credit and this worries me because I’m looking for a car but have a fair credit score at the moment. I don’t want my score to go back down to a poor score just because a company runs my credit... Is there any way to avoid this? How much does your score get affected by? How can I do enough research on the vehicle I want so my score is not affected by too much? What should I be looking for in terms of car and dealers so my score can get affected as low a number possible or is it all the same? Is this inevitable?
@suezotiger6 жыл бұрын
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
@michaels32056 жыл бұрын
pay with cash for a car soo not worth it to pay on credit
@jamalhodges-jackson20586 жыл бұрын
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.
@king69king16 жыл бұрын
I’ll buy that for a dollar 😂😂😂
@deanrebuyon30466 жыл бұрын
What camera you using for this video?
@missbehelpful6 жыл бұрын
I use my iphone!
@HenReviews5 жыл бұрын
freshman year of college in 2007?!! Jesus Christ you're gonna be one of those Spanish women 50 looking 30 lol
@mirandabuckland79965 жыл бұрын
If you have a credit card then you have a good life
@ValenNitto5 жыл бұрын
As long as you have good credit history and a credit score.
@SniperKills1006 жыл бұрын
Looking good
@smrtzttspanishenglishtutor676 жыл бұрын
Very smart to have 100s of debts!
@missbehelpful6 жыл бұрын
I have zero debt!
@smrtzttspanishenglishtutor676 жыл бұрын
Congratulations. Banks play with your money. You will understand that when you reach 50 years old. Have a great day!
@shakarsoltani20816 жыл бұрын
Hi beautiful! I have a question. Regrettably, I got my first credit card with First Premier Bank May of 2016. I have a $400 a month limit on it, and when I asked for them to increase it, they charge. Also, I get charged a $10 a month fee every month and an annual fee. I only got this card to build my credit, and now that I have my credit where I want it, I want to cancel this card because it has no benefits and the fees get expensive. Should I cancel it even though I have already had it for so long?
@unlimiteddj39086 жыл бұрын
Cancel it after you get approved for another card with a better bank. Stay far away from First Premier.
@Steven-cu2et6 жыл бұрын
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
@michaels32056 жыл бұрын
agreed go to capital one first and pay for a secured card to rebuild your credit and then cancel the card
@missbehelpful6 жыл бұрын
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!
@nebralester13685 жыл бұрын
You dont drive?
@Kissmycrown6 жыл бұрын
You must live up north nobody accepts Amex down here
@missbehelpful6 жыл бұрын
LOL really? I live in NYC so yeah. Thanks for watching and commenting!
@FRND234 жыл бұрын
WOW! Necesito una Dominicana como tu! Tan bella! Can you make an update to this video please?
@Sasan_Guitar5 жыл бұрын
How long is considered too long when having only 1 card for about a year?
@ValenNitto5 жыл бұрын
What exactly do you mean? Having credit cards for long periods of time is extremely helpful. It helps establish your credit history.
@Sasan_Guitar5 жыл бұрын
@@ValenNitto like how long should i wait until i apply for a second card?
@ValenNitto5 жыл бұрын
@@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.
@6bat6manz6thesh1t6 жыл бұрын
What score should I wait to have to get airline card
@missbehelpful6 жыл бұрын
Depends which one. Google the score they usually accept and see if you're in that range . Thanks for watching and commenting!
@reinaldocruz17876 жыл бұрын
How about a date
@mrmoldremoval6 жыл бұрын
Amazing Vidio.. yes I want to donate to you .. you have always help me .. :-)). Its time to donate. How? P.O Box address or paypal ? thank you for all you do do for us. P.S Write a book.. I will buy it..