This is the girlfriend your mother told you to have. Her. Right here. Grandma approved. Certified Auntie approved. Dad approved. Everything. Great vids
@Djuane
7 жыл бұрын
Edwin Anthony i agree
@nthnprice
7 жыл бұрын
A girl with 5 credit cards is the last girl you want to be with
@edsensation
7 жыл бұрын
You need good credit which means good money management to obtain such a good credit ratio. You're prob thinking about a hood chick
@edsensation
7 жыл бұрын
Now that I have better credit I looked at this video I'm against her first point in regards to credit annual fees. Some cards with no fees are great. However, the Chase Sapphire Reserve has a annual fee with very high reward system so you can Fly for free. So basically you have to measure the Annual fee against the rewards to see if it's worth applying. But to generalize and say "Why lay for a service when you can get it for free?" Is a bit of an overstatement.
@Ruben321496
7 жыл бұрын
She was suggesting for those who have not yet established their credit to start of with a credit card that has no annual fee. @edwinAnthony
@vengeance4927
3 жыл бұрын
Four years old and still relevant when it comes to learning about credit cards in Sociology. Nice. More entertaining than the other videos we've had to watch, too!
@smellieC
7 жыл бұрын
I want KZitem to bring back the Five star thing just for this girl. Do you know how many videos I had to watch to even know to ask half of these question? And here she is putting it all upfront.
@missbehelpful
7 жыл бұрын
Thanks for watching and commenting!
@studentuser101
4 жыл бұрын
1. Annual fee 2. Interest rate 3. Penalty interest rate/ late fee 4 how long is grace period, 25-26 is good 5. Billing cycle type, single cycle billing is good
@shermaljones5561
7 жыл бұрын
i just turned 18 and i'm going to try and get my first credit card, this helped alot thanks!
@missbehelpful
7 жыл бұрын
Glad to hear it! Thanks for watching and commenting!
@zadaberry2313
4 жыл бұрын
don’t get a credit card! get a debit car or just pay in cash
@abyde
7 жыл бұрын
This comment section is thirstier than George eating pretzels on Seinfeld.
@isaiahtrek9
7 жыл бұрын
abyde Hahaha This comment had me laughing like a mad man!
@leonardovazquez3065
6 жыл бұрын
THESE PRETZELS ARE MAKING ME THIRSTY!!! Lmfao I seen this in 2017 and you won best comment for this year for all I know haha
@kevinivey4471
7 жыл бұрын
I am 28 almost 29, I have never owned a credit card in my life, but slowly over time through bank loans, furniture loans, 1 vehicle loan, engagement ring loan, and paying all of my bills on time I built my credit score to the low 800's. I just applied for the Bank Of America cash reward card, and was instantly approved for 5000! Thanks for posting this video. What are the five credit cards that you currently have?
@rachaellj5781
5 жыл бұрын
I LOVE YOUR VIDEOS! I’ve never felt more financially literate in my life. Thank you 🙏🏻 this information is VERY important!
@JoeBidenIsMyDaddy
2 жыл бұрын
why are you naked? cheaters get caught - kzitem.info/news/bejne/2Jukn4WocGJihmU
@rachaellj5781
2 жыл бұрын
@@JoeBidenIsMyDaddy because, why not be?!
@IvyANguyen
8 жыл бұрын
Beautiful voice & accent!!
@matthewbird9255
7 жыл бұрын
you're so positive I love it!
@missbehelpful
7 жыл бұрын
Thanks for watching and commenting!
@KoleenB
7 жыл бұрын
Nice advises. I never knew about billing cycles
@missbehelpful
7 жыл бұрын
Thanks for watching and commenting!
@Sarasdad91
5 жыл бұрын
Another great video filled with great advice. I've learned to use my credit card like a debit card. Instead of using my debit card, I buy with the credit card, never spending more than half my limit, then I pay off the whole ballance once a week. It's working too. Scores are increasing and should be offered a credit increase soon.
@stevenandry5122
8 жыл бұрын
Thanks for the positive information.. Keep rolling the great videos..
@missbehelpful
8 жыл бұрын
+Steven Andry Thanks for watching!
@fallondavis747
7 жыл бұрын
Great information. I'm getting my credit back on track after not using them properly in college.
@missbehelpful
7 жыл бұрын
I feel you! Thanks for watching and commenting!
@teruorama5932
7 жыл бұрын
I was trying to clean up my monitor not realizing the dirt is on your wall 😂😂😂
@trevorheartnina
3 жыл бұрын
Lmaooo 😂
@elliecasas7803
7 жыл бұрын
isn't double cycle billing banned? effective Feb 22, 2010.
@missbehelpful
7 жыл бұрын
Elideth Hernandez You're right, Elideth! Good catch. I didn't know it was banned since my card in college def had this but that was back in 09. #feelingold
@JuanBarrera-ip8fo
4 жыл бұрын
Where is the SJHA Econ squad at?
@JV-dg5pu
4 жыл бұрын
Sup bro
@evieparada
4 жыл бұрын
Damn girl, 40,000 in total for 5 credit cards that’s really high! Do you have a video on the types of credit cards you have?
@Davo-jd7ey
7 жыл бұрын
Every bank credit card has different features and ways they bill the best thing you can do is talk to your banker.
@michaelspitalieri5254
7 жыл бұрын
Thank for the information how to get good credit I appreciate the video.
@missbehelpful
7 жыл бұрын
Thanks for watching and commenting!
@ixchel_creativemoon
6 жыл бұрын
Very informative and helpful. About to take the cc leap!
@redshimmy5334
8 жыл бұрын
Can you explain the daily average balance you talked about? I just don't really get what you mean about how the two cycle one is more interest than the single cycle. Thanks! Keep up this great work... super helpful!
@missbehelpful
8 жыл бұрын
+Red Shimmy Thanks for watching, Red! (DISCLAIMER: I recently found out that this is no longer allowed in the U.S.) With two cycle billing, if you'd always pay your balances in full then it wouldn't affect you. It would only hurt those who carry a balance. If a balance was carried for one month, it would end up costing interest on the month after that too!
@MrDevil510
8 жыл бұрын
since you signed up 5th credit card if your limit on each one is 5000X5= 25k meaning when somebody will issue a loan they will think twice. 2nd I have good credit score without having so many credit card who told you that you are required to havemany credit cards in order to have good score. 3rd Regarding Grace period as long you gotta autopay and you putting enough money into your bank account should not matter. 4th Common sense don't spend the money you don't have just because your credit limit is 10k or 15k does not mean you go to mall spend 10 to 15k 5. From www.creditcards.com/credit-card-news/too-many-credit-cards-credit-score-impact-1377.php Closing any of the cards will have very little impact if your utilization ratio is low, but a major impact if it's high. It works like this: Say you can borrow up to $100,000, but only owe $3,000. In that case, you'd be at 3 percent, and that's great. However, if you were to close most of the cards and reduced the combined limit to $5,000, you'd be over the halfway mark and thus overextended. So yes, that would hurt your credit score.
@missbehelpful
8 жыл бұрын
Good points. Thanks for sharing!
@kennyith6951
6 жыл бұрын
Thanks for the info . Brows on fleek 👌🏽
@CreditCardJunkie
5 жыл бұрын
Thanks for sharing!
@mandmgirlHeidiK
7 жыл бұрын
Loved these videos.I subscribed to your channel.
@missbehelpful
7 жыл бұрын
Thanks for watching and commenting!
@dimitrydimitry6180
6 жыл бұрын
Thank you so much this was very helpful I was able to get a credit card with knowing exactly what to look for thanks to you...thank you very much
@missbehelpful
6 жыл бұрын
Thanks for watching and commenting!
@quatikiamctizic3523
8 жыл бұрын
which card would be best for a newbie?
@missbehelpful
8 жыл бұрын
+Quatikia McTizic I recommend a VISA or MASTERCARD! Thanks for watching!
@Aekif
8 жыл бұрын
+MissBeHelpful That's not a credit card. That's a network. Good credit cards for starters would be something like the capital one quicksilver card, or store cards issued by Synchorny bank (walmart, old navy, gap, stuff like that).
@Wandererbane
8 жыл бұрын
If you're a newbie, dont get a credit card. Dont live your life in debt
@missbehelpful
8 жыл бұрын
Jared Ungarten Haha, true but those are networks that more widely accept people who are new to credit. Thanks everyone!
@jgwalling
5 жыл бұрын
I would recommend a credit card from a credit union instead of a bank. Interest rate is usually lower in a credit union and it is in a bank
@giloquendo
6 жыл бұрын
I have only one credit card a 720 credit score clean record low 10% utilization and 3 years credit history stellar payment history and still get denied for a loan .😪😪😪😪😪😪
@rohitsardar4553
7 жыл бұрын
Nice and beautiful information keeping going 👍
@missbehelpful
7 жыл бұрын
Thanks!
@MzVan21
8 жыл бұрын
great video keep them coming! so helpful
@missbehelpful
8 жыл бұрын
+MzVan21 Thank you, thank you! I'm glad they could help out! :)
@richardvoltigous4867
8 жыл бұрын
+MissBeHelpful I like ur eyes
@jackhammer8364
3 жыл бұрын
Maybe you can give some tricks to build credit faster?
@whyistheresomanyhate
7 жыл бұрын
Great advice!
@mr.kalagh9879
3 жыл бұрын
Thanks for this information!
@thewizardbrand
6 жыл бұрын
FINALLY A VIDEO THATS ACTUALLY WORKING
@mrmoldremoval
8 жыл бұрын
Thank you .. Your Energy is Very Helpful. Viva Visa Cards
@jns1930
6 жыл бұрын
Great presentation Miss Be Helpful :)
@asdfasdfa4630
8 жыл бұрын
yo, thanks for these videos
@missbehelpful
8 жыл бұрын
+asdfasdfa You're very welcome!
@1thelastmystic
5 жыл бұрын
Informative. Thank you
@ankitpatel-fy5qn
8 жыл бұрын
Wow, you're awesome, thank you for the Great info
@elbozo5723
3 жыл бұрын
i’d like to hear about rewards but good video besides that
@nizal1
8 жыл бұрын
great video, what about rewards cards and all the benefits?
@missbehelpful
8 жыл бұрын
+nizal1 Oh yes Nizal.... That's a whole other video! Stay tuned ;)
@raeguwapo
3 жыл бұрын
I just watched the vid and she’s so fine this was 5 years ago she only got more fine
@echo_playz_melly
5 ай бұрын
WHATT.
@T-DogGamingofficial
5 жыл бұрын
rip jah
@T-DogGamingofficial
5 жыл бұрын
bruh
@mikem9270
6 жыл бұрын
Isnt double billing cycle banned? Im looking for my first credit card and I stumbled on a page saying it has been banned but im not sure its the same thing youre talking about
@missbehelpful
6 жыл бұрын
Yup it has been banned - thank goodness! it made no sense anyway!!
@Wowed45
6 жыл бұрын
Having a high APR and not having a annual fee VS Having a low APR but not having an annual fee
@asdfasdfa4630
8 жыл бұрын
maybe do a video on the relationship between debit cards and credit score?
@missbehelpful
8 жыл бұрын
+asdfasdfa Good idea. Lots of people think that debit cards and credit cards are the same but they really aren't! Debit cards have NO impact on your score at all. Thanks for suggesting this!
@TJ-ww5tm
7 жыл бұрын
so helpful!
@missbehelpful
7 жыл бұрын
Thanks for watching and commenting!
@talibakhidr6158
7 жыл бұрын
What? I was lost,,, in your eyes
@bedlamtactical2495
7 жыл бұрын
Yanely! I have a question about utilization. I have five credit cards with a combined limit of $15,200.00. I would like to pay all my bills with one card so I can leverage automatic payments and maximize rewards. My monthly expenses are between $1300-$1500. So, can I use my card with a $5000 limit to pay the $1500 (30%) and still stay under 10% usage overall? Or must I distribute the bills among my credit cards so that each card stays under a 10% usage? I still plan to pay in full each month any balances.
@missbehelpful
7 жыл бұрын
Good question! You can use that one card - I do this too. I also use the other cards for tiny purchases every few months to keep them active - so I buy toiletries or other essentials every few months with my cards that go unused. Thanks for watching and commenting!
@xmiguel20
4 жыл бұрын
She gives great credit card tips and she is gorgeous
@mtnmotoadv
7 жыл бұрын
Soooo... what the hell is the purpose of having a credit card then? Why pay interest on something when you can just buy it straight up?
@missbehelpful
7 жыл бұрын
You don't need to pay interest unless you don't pay it back on time. You can earn free rewards for using credit. That's something that using cash does not get you. Many people feel it is not worth it for them. I feel it is worth it for me. Just a personal choice!
@thewaldissilent
6 жыл бұрын
Super helpful!
@switchiq21
7 жыл бұрын
you look like natalie portman.. damn!
@missbehelpful
7 жыл бұрын
Wow! I don't know about that but thanks! Thanks for watching and commenting!
@ivetteu87
8 жыл бұрын
Can you explain more about the APR?
@missbehelpful
8 жыл бұрын
I will make a video about APR very soon! Thanks for the request!
@Jeggz-wk9pt
8 жыл бұрын
Can you make a credit card review on the Amex cash card? And how do u know what's your APR after you get approved on the card?
@missbehelpful
8 жыл бұрын
There are a few AMEX Cash rewards cards. Your APR will be written in the terms and condition of your credit card which are mailed to you with the credit card when you get it. If you don't have the papers you can just call and ask the credit issuer for your APR!
@michaelstoll6167
4 жыл бұрын
delta squadron six, come in
@Nlovexo
7 жыл бұрын
Why would one need so many credit cards? Or a credit card in general? If you want something - pay cash. If you don't have the cash, you shouldn't purchase it (not you particularly just in general). The whole "I need credit to buy a house" is insane and false. I love to hear your thoughts though!
@missbehelpful
7 жыл бұрын
I use credit cards to pay for everything and then I pay the cards back on time so I don't get charged interest. It also helps to start early to build up a high credit score for the future. I agree that people should live within their means in general on a day to day basis. But in life there will be investments that you may want to make in yourself that you cannot finance in the moment. Here's an example - If I want to move to a neighborhood that has excellent schools because I have school aged children and the school only accepts kids from the same zip code then I buy a house in that zip code so my kids have a good education option, right. But the cheapest house there costs exactly the amount that I have in the bank. it is not smart to put all your money on the line because you will be left with nothing. In this case, with an excellent credit score you could get a very low interest rate on a loan and you could pay for the house in a few years without putting a financial burden on your family or sacrificing your child'd education quality. Other examples that come to mind are, if you get in the best school in the country like Yale, Harvard, or Brown but you can't afford tuition, with an excellent credit score your family could take out low interest loans to pay for school and pay it back slowly over a few years while you're in school. Hope this helps! Thanks for watching and commenting!
@Nlovexo
7 жыл бұрын
I love this! Thanks for responding so well. You mentioned high credit score, but why would one need that? You can rent a car, or buy a house with debit, and old fashion cash lol. Banking companies put so much false focus on people believing they can't save cash. My friend told me "I have a credit card for emergencies" I told her, just have cash in your savings for that. To your examples, if I had a child and I wanted them in a good school district, I would save for that too. Children don't come out of nowhere (some may not be planned) but still. As a parent, you need to make sure all your ducks are in a row to avoid having to take out a loan. Low interest rate is still an interest rate. You're paying more for something you can not afford. If you can't afford tuition then you have to work lol. AND again, as a parent start saving. The best investment someone can do for themselves when it comes to finances is to invest their money. Start early and watch your money grow :) I'm still educating myself on this topic. I don't think I'm a professional, but I do understand owing money to anyone makes you a slave. You have no say in your check when it comes in. The banks you took loans from, and Visa made that decision for you.
@missbehelpful
7 жыл бұрын
I understand that perspective and that may make sense for your situation. I think it's important to just consider though, that people are in a diverse number of situations for all different reasons. You can't assume that the child's mother (from the example) is not already working multiple jobs and still can't afford private school or that the student who got into Harvard is working multiple jobs on campus to pay tuition but it is simply not enough. Is it fair to the child that they have the potential to succeed but simply because their parents don't have a large sum of cash on hand, they get lower quality opportunities? I mean maybe someone out there thinks so, I personally don't. Even if you feel that you never need a loan in life it is a good idea to establish excellent credit just in case. Emergencies like unforeseen medical procedures or your home burning down would require a lot of cash that people may not have expected they would need to save. In that case you'd need to take out a loan and if you have no credit or low credit you'll definitely be paying the highest interest fees available. Thanks for writing these thoughts - I like this conversation and agree with your points but I also just understand from how I grew up that life isn't always simple. We do the best we can!
@Nlovexo
7 жыл бұрын
I enjoy this convo as well. You have wonderful insight. I definitely understand everyone comes from a different situation. This is why we must educate ourselves. Any bank regardless of "how many points you get back" or "cash back" they are in the business to benefit themselves. They are not set up to help people win. That is just false. Actually there are studies that show, people spend more when they are using credit cards. It's probably because these people have the mind set "if I spend X amount, I could get something for free". I had a credit card, I always paid it off before the bill, until I forgot. Then I owed 3,000. My credit limit went from 5k to 15k, why? because it doesn't seem like you owe so much when your limit is that high. The higher your credit score, all it means is you owe money, but you're consistent paying. Putting a child in a private school is a luxury, not an emergency. Especially when the parent can't afford it. If your child has the ability to succeed, they will. Regardless of the education. I have SO MANY friends who have masters degrees, they are not in their field, and owe thousands of dollars. All in the name of showing off. "oh, I graduated from yale" "oh, my child is in private school" "oh, i shop at whole foods" haha okay, the last one i'm joking - but thats another conversation. We need to stop comparing ourselves, and our lives to the next person. We have health insurance, so any medical procedure will be covered - if not 100% a large amount should be. In addition when you purchase a home, you have home insurance for that exact reason. In your case, you may be extremely responsible with credit cards. Many people are not and the saying is "you play with snakes, your bound to get bit". I still will always suggest for people to have some cash in their savings. At least a month of their expenses.
@missbehelpful
7 жыл бұрын
Yeah - definitely. I suggest 3-6 months of their monthly expenses in the bank for sure and anything else should be invested. I totally agree with you and I hope to be an example for people of how it is really in YOUR CONTROL to defy statistics. You don't have to be one of those people who doesn't understand how credit works or how interest works and gets taken advantage of. Learn all about it early so that YOU are in control. It takes discipline, but I am proof that it is possible. Thanks again! I really respect and appreciate your input!
@PennyPincherdotcom
8 жыл бұрын
I'm new here in USA and I applied for a secured credit card which is coming within this week. From what credit score you've had to begin with when you were building your CS? And how long did you build your score? Peace out :D
@missbehelpful
8 жыл бұрын
Thanks for watching, Penny Pincher! I love your name haha! The minimum score you can have is 300 but if you have bills that you pay and other accounts in your name then you will build some credit fairly quickly. Biggest thing to remember is not to ever make a late payment!
@devender0007
6 жыл бұрын
Beautiful Isha negi... nice information provide by you
@bunni189
8 жыл бұрын
Nice video
@missbehelpful
8 жыл бұрын
Thanks!
@HuskyRuski
4 жыл бұрын
You help kids that don't have parents.
@ivanestrada7993
8 жыл бұрын
Could you do a video for recommended credit cards?
@missbehelpful
8 жыл бұрын
Good idea! This really depends on your credit situation. I'll look into some of the best cards for the year and share them here soon! Thanks :)
@Teech_
7 жыл бұрын
I never used a credit card before so I don't think I have any credit at all I've only used debit. I have a steady income. I want a good credit card and I have one in mind. is my chances of getting approved low or good enough?
@missbehelpful
7 жыл бұрын
That depends on your credit score and credit report! I recommend checking out your profile on Credit Karma for the details! Thanks for watching and commenting!
@vinylsquad7776
6 жыл бұрын
I'm 19 and scared to get a credit card.
@missbehelpful
6 жыл бұрын
Vinyl Scratch HBC oh don’t be scared, just learn as much as you can before opening one!
@edsensation
7 жыл бұрын
Yikes. I'm sorry I have to add some things here. Why should people be concerned about APR% unless you intend to carry over a balance on your card. Which then what that means is you're already making bad decisions on your credit card. You should spend no more than 30% on your limit and pay it all off on time. Next. Penalty fees? Why consider this when applying for a card? It's like you're saying "Choose the right card because you're guaranteed to mess up on it. Therefore choose the one that slaps the least. ". What???!!!
@missbehelpful
7 жыл бұрын
Well, right now you may not care about these things but if you lose your job or have a disability or emergency come up then you will regret that you got a card without thinking about those things. Always have to prepare for the worst! Thanks for watching and commenting!
@edsensation
7 жыл бұрын
I totally understand that. However, I save money for those emergencies and insurance to cover emergencies. I own several businesses and have several passive incomes so the whole losing job thing is never a concern. Its always important to save money for rainy days so that you dont go over your credit utilizations which have a higher impact long term.
@chickpe
6 жыл бұрын
You look like Santiago from Brooklyn nine nine!
@davidlee3703
6 жыл бұрын
40,000??!! Wow. Nice mami. I'm def climbing the ladder
@richardtaylor3836
7 жыл бұрын
thanks for replying to my question, good information thanks again.
@missbehelpful
7 жыл бұрын
No problem! Thanks for watching and supporting my channel!
@nayaneshnagdive1172
6 жыл бұрын
What if we make payment of Life Insurance by Credit Card......is there any extra charges... Taxes or any.....
@kanimozhi1750
5 жыл бұрын
Can u explain detaily about stardar d chartered credit card and usage of this. Which is useful or not
@almodz_3335
8 жыл бұрын
hello by the way I love you videos lots of good information I have a question for you I'm new to the credit card world I looked at my credit report and my utilization was 38% I paid down all my credit cards when would my utilization percentage go down how long would it take thanks for your help thumbs up
@missbehelpful
8 жыл бұрын
Thanks for watching and commenting! This depends on your credit issuers, actually. Some report it right away but others take a few weeks to report it. I would safely say 4-6 weeks.
@dilvendrasinghnathawat8693
5 жыл бұрын
Thanku 👌👌👍👍👍
@linuxuser2858
7 жыл бұрын
miss you are really helpfull ......Thacker
@missbehelpful
7 жыл бұрын
Thanks for watching and commenting!
@Ronelltamayo
7 жыл бұрын
MissBeHelpful 9
@lastseen20trillionyearsago69
8 жыл бұрын
Thanks for sharing
@missbehelpful
8 жыл бұрын
Thanks for watching!
@allison-kayruddock3855
7 жыл бұрын
If you don't mind me asking; which credit cards are they?
@samuelchoi1432
7 жыл бұрын
Is it possible to have more then one credit card ?? And if so is it better to have more then one credit ?
@luisyepez3831
7 жыл бұрын
Is a Wells Fargo secured card a good way to start building up your credit ?
@missbehelpful
7 жыл бұрын
That depends on the offer and if it's the best deal for your credit situation! Thanks for watching and commenting!
@MaritsaG
6 жыл бұрын
hello your videos have been really helpful to me.. I do have a question or want your suggestion about applying for a credit card. I am starting my credit and was wondering if i should get a credit card with cashback and perks or a credit card they have been offering me with a credit line of $2,500. Like i said i am trying to build my credit but i am stuck with the cashback credit card that seems very exiting or with a higher credit line that will perhaps open doors ...i dont know which one is best for the future thanks
@SLTravel11
6 жыл бұрын
you remind me of Mina kunitz
@hershpatrice2482
4 жыл бұрын
I’m considering getting my frost credit card. But idk if I should? I guess having a credit card scares me but I know I need to build my credit.. what tips would you suggest for a 25 year old with no credit at all? I was thinking about just getting a credit card from a store I always go to as a started but I’m not sure?
@christina1073
6 жыл бұрын
thank you !
@user-vc9or5uc4x
7 жыл бұрын
Having 5 credit cards is that good? I thought it was advised from others that we should only have three cards total.
@missbehelpful
7 жыл бұрын
You can have as many as you want!
@kingzooant8249
6 жыл бұрын
I gotta question, can I use this card for everything, I mean not over paying on it cuz I barely spend any money and I'm trying to get one of them credit cards
@Papalevanvao
7 жыл бұрын
is it better to have fewer cards but with each card have a high limit?
@charity0009
7 жыл бұрын
hi. what I have heard is that you should not apply for a credit card if you think you will be denied because that negatively impacts yr credit score. true?
@missbehelpful
7 жыл бұрын
Yes - this is true actually. The application is going to make the credit card people check your credit report and score and each time someone does that it is called a Hard Inquiry. Those hurt your score by a handful of points never more than 10 unless you apply for a lot of cards or accounts at the same time which is a really bad idea. Thanks for watching and commenting!
@sherryleeperdue9576
6 жыл бұрын
Can you offer me advice on which 2 credit cards you think is best ? Is Discover IT a good choice for a first time credit card? Thank you
@DS-tg4si
6 жыл бұрын
Citi double cash is great for all spending since its 2% and you don't worry about keeping track of 5% quarterly categories, but I own both the discover it and citi double cash, chase freedom, amex blue cash (groceries 3%). Just pay off the balance in full.
@sherryleeperdue9576
6 жыл бұрын
Thank you very much for the info. I have another question, please. If my payment is due on the 28 of month, when is the best time to make a purchase on the card? The ending date is Dec 2. I'm a first time credit card user. Any info is helpful. Thank you
@AyannaCarrington
8 жыл бұрын
Great vid Yanely! My boyfriend suggested that I have my credit line with my bank increased but they do charge an annual maintenance fee. Should I stay away from getting that increase? Also, is it true that you should only utilize, at most, 30% of your credit card limit.
@missbehelpful
8 жыл бұрын
Hey girl! Thanks :) I know it's long, but you should watch the utilization video that I put up about this. I think it's called "How to Improve Your Credit Quickly!" Also, I would check your credit score and if it's above 700 then I would say it's safe to ask for an increase. That may count as a hard inquiry though, so call them and ask about the inquiry first.
@AyannaCarrington
8 жыл бұрын
MissBeHelpful I called my bank and they do conduct a hard inquiry. I will hold off on it and wait out the year because I purchased a home last year. Thanks for your response! Please continue to make more videos because this stuff is very important.
@RafDBiker96
7 жыл бұрын
What’s the best credit card for someone that has no credit history?
@mdsultan6271
7 жыл бұрын
thanks
@missbehelpful
7 жыл бұрын
You're welcome! Thanks for watching and commenting!
@tonyd.6957
7 жыл бұрын
I have a credit score averaging 653. I have a good "mix" but no credit cards. Should I apply for a credit card to increase my credit score? If so, should consider a secured card or unsecured? - Thanks for your informative videos!
@missbehelpful
7 жыл бұрын
That depends on your credit score honestly. If you recently opened new credit then I would advise against opening a card right now. Maybe wait a few months before another hard inquiry. I suggest you check out the recommendations on Credit Karma if you have an account. If not - then you should open one. Thanks for watching and commenting!
@tonyd.6957
7 жыл бұрын
Thanks for responding. I have not opened a new credit card, yet? I was just wondering if I did, could I possibly get bump in my score since I currently have NO CREDIT CARDS. (I do have home and auto loans.) - BTW, I am a member of Credit Karma. Thanks for that info. It's a very helpful site.
@missbehelpful
7 жыл бұрын
You would get a bump after a while but at first you would see a drop of a few points due to the inquiry. The addition of a new type of credit is worth 10-15% of your score so you'll see the bump after 60-90 days for sure!
@tonyd.6957
7 жыл бұрын
Ok, thanks again.
@budgetto
6 жыл бұрын
You would want to get a credit card that will help your credit score. 653 is good enough to possibly qualify for an unsecured, would suggest capital one they have a prequalify link online.
@livaayrita3212
7 жыл бұрын
Which credit card company should I stay away from? I never had a credit card and I'm looking out to apply for one so I can start building up my credits. Which credit card comp. should I apply for?
@missbehelpful
7 жыл бұрын
I suggest starting by asking your bank what you prequalify for. Then research cards based on your score and what perks you want to earn.
@cybern9ne
7 жыл бұрын
Ritz Blitz: Stay away from credit one. They're fee harvesters.
@VR_Layno
8 жыл бұрын
You're so great explaining there, and nice hair by the way
@missbehelpful
8 жыл бұрын
Thanks for the compliments!
@shanawilson7863
5 жыл бұрын
MissBeHelpful quick question... what if I buy something with my credit card and pay it to a 0.00 balance before my reporting date...? ( hopefully I'm asking this right) is it better to buy something and pay off credit card balance to 0.00 balance or buy and leave the 9% there to report?
@missbehelpful
5 жыл бұрын
Shana Wilson leave the 9% to report and then when you get the bill you pay it off in full by the due date
@shanawilson7863
5 жыл бұрын
@@missbehelpful thank you so much
@Blaze-if4no
3 жыл бұрын
why done people use their credit card to make money, buy and resell stuff
@ZevWunder
7 жыл бұрын
hi i just fixed my score but i got declined for a card, where do you suggest who will give me a credit card, should i go to macy's?, thanks
@waragainstmyself1159
5 жыл бұрын
I dont work for anyone i buy and flip stuff can i still get a credit card?
@jeffreybrijohnson
6 жыл бұрын
I’m sorry what did you say LOL
@andrewtexas3318
8 жыл бұрын
YOU are the hottest person in KZitem giving credit advice
@VeezyOnTheBeat
7 жыл бұрын
Andrew Texas 👌🏾🙇🏾
@evan-lewisevans6098
5 ай бұрын
Bru 💀
@YourHostAishaPrendy
7 жыл бұрын
I am considering to apply for a credit card. Is AAadvantage a good option?
@missbehelpful
7 жыл бұрын
Not sure. I've never done business with them myself!
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