WHY DO WE NOT LEARN THIS IN HIGH SCHOOL??? I'M 23 and just starting to learn about money and cards.
@mr.serenity7203
5 жыл бұрын
Same dude
@pspox9
4 жыл бұрын
Vminhope Yeah! everyone wants to know about credit apr's while there's a fight in the locker rooms😂
@SDrastapanda
4 жыл бұрын
I'll be 28 in 2 weeks and I'm just learning this! High school needs to teach this stuff
@letsgoalready5515
4 жыл бұрын
22 and same! They should have taught this in economics..
@SpeakUp2000
4 жыл бұрын
I could not agree more!!!!!
@demetriarule
3 жыл бұрын
This was like, APR for Dummies: straight to the point and extremely simplified. Thank you!
@stonernailtech
17 күн бұрын
No cause fr!😂 exactly the video I needed
@Mezgo420
5 жыл бұрын
You DON'T HAVE to pay your balance in FULL in order to avoid paying interest. Pay the STATEMENT BALANCE and you won't get charged any interest. It's never a bad thing to pay in full, however you don't necessarily have to, to avoid interest charges.
@l4lo678
3 ай бұрын
Really good advice, been asking around but nobody gave me a good answer. Thanks
@michaelm232
5 жыл бұрын
This was straight up the easiest most understandable video on this that I have ever watched; Thanks!!
@jacquelinekaybloom3904
3 жыл бұрын
Ain’t gonna give testimony, but I’mma tell you to work with *@Darkjacob* on *telegram* if you want a real vendor 💯
@72sh
3 жыл бұрын
Lol no. This is not the most understandable video. This explanation is vague without any examples.
@Gohan1988
7 жыл бұрын
Freeloaders all the way!! Although that doesn't seem like the best name for people who pay on time every time. There has to be a better name for responsible people right ?! This channel rocks!🤘🏻
@missbehelpful
7 жыл бұрын
Agreed! Haha! Thanks for watching and commenting!
@DaveLeComte
7 жыл бұрын
Wonder why they call it freeloading. I thought the credit card company get 3% of the purchase from the store you buy from.
@arieldelazerda3713
6 жыл бұрын
question: I have heard other advice suggesting to not be labeled as a freeloader. Instead, the strategy is to payoff all of your debt save $1 or so so that you pay MINIMAL interest, but is that more beneficial (in the long run) than paying in full?
@TheAbenunez
6 жыл бұрын
Transactors?
@FluffyHawk13
6 жыл бұрын
Gohan335i7 Responsible Contributors! 🤣
@keatonfischer7455
5 жыл бұрын
Simple explanation, no waisted time, none of the usual complex annoying filler material that you tubers usual put in. You are of a divine origin missbehelpfull!
@genesisaguilar3583
7 жыл бұрын
Thanks to you I'm saving for retirement and building credit at 20 years old, I love your channel!!
@missbehelpful
7 жыл бұрын
YASSS! Go off, Genesis! You are my hero! Haha! I wish I was like you at 20!
@vminhope3040
5 жыл бұрын
Most of us don't even think about retirement until we are 40. lol We are just college students trying to survive each day working minimum wage jobs. I can barely afford food.
@jacquelinekaybloom3904
3 жыл бұрын
Ain’t gonna give testimony, but I’mma tell you to work with *@Darkjacob* on *telegram* if you want a real vendor 💯
@pastordes3677
3 жыл бұрын
You so wonderful *@Darkblack19* on *Telegram* I can’t believe there still real vendor after all scam, you’re the only one I’ll be trading with, and you make it real to me by sending working cc load with high balance of 10k you’re the best bet 💯
@badgalexxx
6 жыл бұрын
Omg you're AMAZING! I just received my first credit card im currently trying to build my credit Im a junior in college, I've never had a credit card. I've always heard the horror stories of my friends with their credit cards so I was so scared to get one at first 😭. I was really confused on how this whole thing worked but you have helped me so much! Thank you!!! 😊
@missbehelpful
6 жыл бұрын
Congrats! Glad to hear that! Thanks for watching and commenting!
@Kyuubert
Ай бұрын
I wanted to say I followed your advice 4 years ago right before the pandemic. My credit went from low 500s to 760+! Thank you!
@mirceastaicu4131
4 жыл бұрын
Good explanation, but it could use an example to drive the theory home
@kexantus
4 жыл бұрын
Agreed. I was waiting for her to use example numbers to plug into the formula, but still a good video nonetheless.
@9thwardneezy861
4 жыл бұрын
My thoughts exactly
@carmenwilliamson195
4 жыл бұрын
@@9thwardneezy861 Agreed, this guy does a great job explaining in details kzitem.info/news/bejne/sXyqu4t_bmmphKg
@carmenwilliamson195
4 жыл бұрын
Yep... found it here kzitem.info/news/bejne/sXyqu4t_bmmphKg
@mirceastaicu4131
4 жыл бұрын
@@carmenwilliamson195 Nice! Thank you!
@QuoixYanni
3 жыл бұрын
4 years later and still the best video!!! I'm 24 and just now understanding this in addition to getting my first credit card 🖤🖤 thankyou so much for the video !!
@joselinsanchez7120
5 жыл бұрын
I have been asking my friends and looking online about what APR really means and you out of everyone explained it right to the point. Gave it a like. Thank you so much.
@lehjyj
Жыл бұрын
Girl this is amazing! I literally could not understand this before I saw your video! I wish everyone explained this like you
@qtippyyy
2 жыл бұрын
Thank you! I just turned 18 and finally someone was able to answer this question clearly enough for me to understand! Thank youuuuu!!!!
@lor3999
5 жыл бұрын
While I understood the concept of paying interest on borrowed money, I never understood how that interest was calculated. Thank you. Schools should teach personal finance.
@Miguel-ng5wm
6 жыл бұрын
She reminds me of Amy Santiago. Even the voice. She is very beautiful
@startenderspacebar
4 жыл бұрын
Headass
@ss87935
5 жыл бұрын
This girl gets a LIKE for getting right to the point and answering my question within the first minute!
@serioulysam123
3 жыл бұрын
that first 34 seconds was all i needed thanks
@shereegreen1816
Жыл бұрын
This was so good (as always) and made it much easier to understand the daily cost of credit
@gregdrake9377
6 жыл бұрын
Thank you so much for this video! I was having a hard time understanding APR and now I understand it perfectly! On the bright side I won’t have to worry about it because I will be paying everything off each month. Thanks again :)
@g_dub
5 жыл бұрын
Hello and Thank you for the good advice. Keep em comin!! And to all my peoples just a friendly reminder that if you like a video help the KZitemr out by watching the ADs because they only get paid if we watch the Ads. Think of it as your way of paying it forward. I try to watch as many as possible for the channels I appreciate. Thanks yall and have a great night.
@IsshmanGarcia
Жыл бұрын
For those wondering, I believe when she says pay your balance in full, she's referring to your STATEMENT BALANCE. Obviously, paying the whole total balance would benefit you, but as long as you pay your STATEMENT BALANCE in full each billing cycle, you won't carry over any debt from that month's balance, thus you won't accrue any interest- that applies to ALL CREDIT CARDS. Learn how to work your credit, don't let it work you!
@olivervasquez1576
Жыл бұрын
So.. what's the difference between the full balance and the statement balance?
@CButler4223
11 ай бұрын
@@olivervasquez1576 Your statement balance is the amount due that you spent last month. Your full balance is the total amount you've spent. For example: Let's say you set your due date for the 20th of each month. You spent $200 in January. Your statement and full balance are both $200. Let's say within that 20 days in February you spent $150. Your full balance is now $350. Your statement balance is still $200. Once you pay your statement balance, your full balance is $150.
@dianalepe8040
6 жыл бұрын
I watched another video before yours, also talking about the APR, truth is.. I finished the video and still had lots “????” Around me. U did such a great job explaining this! Thank you!
@jazlynbell8202
7 жыл бұрын
Love your channel! I'm in high school and nobody teaches me this stuff, haha :)
@missbehelpful
7 жыл бұрын
Seriously Jazlyn! You're lucky for starting to learn all of this so early!!
@jacquelinekaybloom3904
3 жыл бұрын
Ain’t gonna give testimony, but I’mma tell you to work with *@Darkjacob* on *telegram* if you want a real vendor 💯
@flybushdame6164
2 жыл бұрын
Been rocking with you for a while, had to subscribe. Thank you
@theartistFKAjudge
5 жыл бұрын
Really appreciate this video! I’m a college student and trying to improve my credit score so I can get a place soon and this really helps! No one really taught me this stuff growing up!
@ALLOVA917
Жыл бұрын
I was in HighSchool Learning this and still didn't understand A.P.Rates, ((STILL dunno how I graduated 😅lol)),.... I remember thinking then, I would never need it, I never like to borrow anything, and paying interest, just sounded like a nightmare, and well it still is!!!................ It's 2023, and I realized I can't make a good credit score without a silly credit card. At least to help my standing , thank you from the bottom of my heart, this information was like a SUPER DUPER, "OOOOOOO NOW, I GET IT!!" , video of clarity!!!!!!! So Informative and just understandale! My heart and soul thank you❤❤❤❤
@itwillbe508
Жыл бұрын
This video would be🔥 with an example Anyway good job
@MisSaLiMaRi3
7 ай бұрын
So simplified and SUPER helpful thank you
@missbehelpful
27 күн бұрын
You're so welcome!
@Dbone69420
8 ай бұрын
Straight to the point! Thank you!
@haashbaz3661
3 жыл бұрын
Thank you a lot!!!!! I have been visiting many websites and watched few videos but nobody explained it this good. you did it in first minute. Bravo!
@infinite5oul578
4 жыл бұрын
Thank you SO MUCH for answering the question in my head inside of 30 seconds!! SUBSCRIBED with a THUMBS UP!!! You Rock MissBeHelpful!!!
@Jeggz-wk9pt
7 жыл бұрын
Thanks for posting that really helped to understand it a lot better. Hope you can continue your blogs. Love to watch them. Thanks again
@missbehelpful
7 жыл бұрын
Thanks!
@vp100
2 жыл бұрын
Ty for clearing my confusion about APR. Like the last year APR was the only thing I was confused about on how the credit cards worked. I thought APR was like annual fee that you have to pay annually, so 4-5% of whatever you spent that year. Now I know that APR & Interest rates are the same thing in credit cards. If you pay off your debt monthly than No APR for you
@KiaraIrie
7 жыл бұрын
Yes yes Yes! Thanks for this. I've been on a credit related video binge because I want to learn and this video was perfect!
@missbehelpful
7 жыл бұрын
Glad to hear it!
@epramatarov
6 жыл бұрын
This is what banks should put on their website - for people like me who have no idea about what they are doing - this was really helpful. Thanks
@lolacharel
Жыл бұрын
Helped me a lot for sure. They need to be teaching this in high schools 💯
@needtorealize1573
3 жыл бұрын
Thankyou you make it so simple unlike these other people
@Torchman-
5 жыл бұрын
Oh my god, this is the real-life version of Amy Santiago (Brooklyn Nine-Nine), if you know you know.
@onpoint7727
4 жыл бұрын
True
@painandpyro
Жыл бұрын
Thank you so much for simplifying this! Im coming from parents of the Dave Ramsey school of finance (which did actually work them), so suffice I didn't know a single thing about credit cards. I ended up needing one, as I'm about to travel to a few different countries, and after reading a few online articles about APR, all I had was more questions 😄 This helped a ton!
@wildcoolorange
3 ай бұрын
straightforward answer, i like it!
@fattimmy2829
2 жыл бұрын
Thank you so much! I wish I learned this in high school. I'm just now getting a credit card and building credit!
@paulgeetv
2 жыл бұрын
BEST APR video! Thank you
@SpeakUp2000
4 жыл бұрын
Just subscribed. WHAT A HELPFUL VIDEO! THANK YOU SO MUCH!
@nakedmoney_5762
4 жыл бұрын
I agree! This was so helpful!
@MoneyandLifeTV
7 жыл бұрын
Great video. thanks for presenting the APR formula. This a good reminder of why APR is important and how other areas of your credit may impact it :)
@missbehelpful
7 жыл бұрын
Indeed it is! Thanks for watching and commenting!
@MoneyandLifeTV
7 жыл бұрын
No problem. Glad I found your channel. Keep up the good work. :)
@pastordes3677
3 жыл бұрын
You so wonderful *@Darkblack19* on *Telegram* I can’t believe there still real vendor after all scam, you’re the only one I’ll be trading with, and you make it real to me by sending working cc load with high balance of 10k you’re the best bet 💯
@lawrenceparker2419
3 жыл бұрын
Great stuff - as always. I like "freeloaders" (except it seems a bit derogatory!) and "revolvers" but use "convenience user" and "borrower" in my classes.
@zinadottonwealthandsuccess2569
Жыл бұрын
Thank you so very much for your video I was able to get a better understanding on How Credit Card Companies Charge you for Interest ❤❤😍😍😊😊
@livelife1197
3 жыл бұрын
Oh wow your about to become my childs new home schooling teacher.👌🏾👌🏾👌🏾Great video.
@hypopastel22
Жыл бұрын
Thank you for this vid it was very helpful, I'm new to the credit card game. now I get it.👍
@cathyconey3273
Жыл бұрын
yeah my APR is 30 but it's my first credit card and I pay it off every month don't go over a certain amount! thanks for the explanation
@stylez914
7 жыл бұрын
Always great information love this channel
@missbehelpful
7 жыл бұрын
Thanks so much! I appreciate this!
@KL-bg8fi
7 жыл бұрын
MissBeHelpful I just got My first credit card and this video is so helpful. My APR is high but I don't have established credit yet. I'm working on building it.
@SnakeCIA1
5 жыл бұрын
@@missbehelpful Smart & Beautiful!
@jacquelinekaybloom3904
3 жыл бұрын
Ain’t gonna give testimony, but I’mma tell you to work with *@Darkjacob* on *telegram* if you want a real vendor 💯
@pastordes3677
3 жыл бұрын
You so wonderful *@Darkblack19* on *Telegram* I can’t believe there still real vendor after all scam, you’re the only one I’ll be trading with, and you make it real to me by sending working cc load with high balance of 10k you’re the best bet 💯
@raeanimations1358
3 жыл бұрын
Thank you so much!! I didn't quite understand in my high school class what it was, but you made it much clearer
@arielnorman8753
5 жыл бұрын
Ohhhh mmyyyyy goshhhh thank you!!!!! All I needed to know was in the first 46 seconds lol thanks again!!!
@nicholasnations541
Жыл бұрын
Thank you so much. It was so simple to understand.
@Kon3ko
2 жыл бұрын
The simple explanation I was looking for, thank you
@karinamatos4253
4 жыл бұрын
I liked how you explained it. Very good.
@TopFlightSecurity415
5 жыл бұрын
applying for my first credit card so im doing all type of research and this was very helpful
@mehrdad1065
2 жыл бұрын
Thank you. Nice and simple explanation. That was what I needed.
@DashiellAvery
3 жыл бұрын
Its so easy to pay attention to what you're saying 🥰🥰🥰🥰.
@Ceessss562
2 жыл бұрын
This was very helpful, thanks !
@gavinkaufmanworld
2 ай бұрын
Great video - really helpful 😁 Thanks for sharing ✨
@Rando-yg2jf
3 жыл бұрын
Thanks Miss. Appreciate the drop on the knowledge.
@Creukelen
7 жыл бұрын
Thank you. You explained it the best. Got straight to the point.
@missbehelpful
7 жыл бұрын
Thanks for watching and commenting!
@lindseydennis1588
Ай бұрын
This video is 7 yrs old (still helpful) and i wish 15% was standard! All I’m seeing is about 25%+
@missbehelpful
27 күн бұрын
Ah thank you! Yeah right now with such high interest rates set by the Fed (just dropped .5% this week) we’ll keep seeing higher APR but slowly it will go back down as the Fed keeps lowering rates!
@singleslidepresentation1525
2 жыл бұрын
Well explained sister. Pay your full bills, then APR doesn't come in to play! ❤
@christiancarey8430
5 жыл бұрын
Very informative. Thank you so much. I feel like every time I asked a question to myself, you answered it with the next topic you went over.
@BboyRacing
7 жыл бұрын
I always have to watch your videos twice. Once for the hotness, once for the infos.
@TheRealMattyRay
5 жыл бұрын
ahaha right !!!!
@heyitsjuliangames
5 жыл бұрын
Coogi King GET THIS MAN SOME PUSSY
@tanyaa5655
3 жыл бұрын
It’s not the compliment you think it is 😐
@pastordes3677
3 жыл бұрын
You so wonderful *@Darkblack19* on *Telegram* I can’t believe there still real vendor after all scam, you’re the only one I’ll be trading with, and you make it real to me by sending working cc load with high balance of 10k you’re the best bet 💯
@jessii1321
7 жыл бұрын
So if you get a high APR at first because you have no credit but you make sure to pay on time will this lower your APR? or would that only help your credit score?
@missbehelpful
7 жыл бұрын
Good question - only helps your credit score. But you can call your credit provider and ask them to lower your APR!
@lejandrofortuna3427
6 жыл бұрын
most likely the credit card provider will give you a lower apr overtime or only for a limited time.
@og.rippa3056
4 жыл бұрын
@@missbehelpful. So I should have no worries if I'm never late right
@jamesesther178
3 жыл бұрын
Buy your credit card with high balance from *@Darkblack19* *telegram* dumps with pin that comes with MSR i got mine from him 💯
@pastordes3677
3 жыл бұрын
You so wonderful *@Darkblack19* on *Telegram* I can’t believe there still real vendor after all scam, you’re the only one I’ll be trading with, and you make it real to me by sending working cc load with high balance of 10k you’re the best bet 💯
@nokemasiva6359
3 жыл бұрын
This was a good video, most other videos didn't explain the free loader part
@henniganwyatt
4 жыл бұрын
Good thing my economics teacher is making us learn this, pretty helpful to be going into college with this info.
@nakedmoney_5762
4 жыл бұрын
Good teacher! I wish I got some personal finance education in high school or even in college!
@techdemeanour892
Жыл бұрын
Schools don't teach this so we are here!
@Sarasdad91
5 жыл бұрын
I guess the credit card companies have a different meaning for freeloader then everybody else, because I never carry a balance, and my credit card companies love me. Credit utilization rate is 6%, and Pat on the backs just keep coming. Just got a great credit increase to my limit and to my score.
@kadenatkinson7662
2 жыл бұрын
Very helpful video! My only question and the part I’m confused on is the part where people keep talking about the percentages they use/ charge for everyday use? I don’t even know if I explained that right but you literally don’t have to worry about any interest or anything if you pay your balance in full every month. Is that correct? 😳😅
@butterfly.2020
7 жыл бұрын
Very helpful! Simple & to the point breakdown. Thank you :)
@devin07ful
3 жыл бұрын
Informative and straight to the point, loved it
@akollyogar6436
5 жыл бұрын
Great video! Very clear and Helpful. Thank you!
@KIP22
3 жыл бұрын
This was so easily understood.
@chrismunoz4994
Жыл бұрын
Thank you I can’t believe it worked
@burgundy4583
9 ай бұрын
Thank you MissBeHelpful , sincerely
@kaileybatiste2315
2 жыл бұрын
Thank you so much, you made it so easy to understand!
@michaelculver2871
4 жыл бұрын
Great video. "Brevity is the soul of wit."-Polonius
@jacquelinekaybloom3904
3 жыл бұрын
Ain’t gonna give testimony, but I’mma tell you to work with *@Darkjacob* on *telegram* if you want a real vendor 💯
@BennyParcher
3 жыл бұрын
Dang you made this so much more understandable.
@zaprese
Жыл бұрын
Very informative for a woman. Thanks darling.
@giovanichavez1730
3 жыл бұрын
Thank you so much, it was super informative!!!
@BoxCatKeys
2 жыл бұрын
I always believed that APR was calculated and rolled over to the next billing statement on a dime. Sounds like interest instead increases each day it isn’t paid off 🤦🏻♂️😅👍🏻👍🏻 thank you for a better understanding!
@smarteranna24
4 жыл бұрын
You explained this wonderfully. Thanks!
@VernB314
7 жыл бұрын
You should do a video on "Pre Approved" credit cards and how they work.
@missbehelpful
7 жыл бұрын
I will soon! Thanks!!
@dggd
4 жыл бұрын
Thanks very much. You were so clear and helpful.
@WaRDc85
6 жыл бұрын
Thank God for this channel😁 Thank you.
@julhippo
6 жыл бұрын
short and to the point - thank you
@janoaroberson1917
3 жыл бұрын
Just found your channel! Great video!
@BlueberryBoogie
7 жыл бұрын
Thank you!!! This is so helpful. I truly love your channel. Thanks to you I have been saving so much money/ managing myself a lot better
@missbehelpful
7 жыл бұрын
Thanks Hildita!
@tustazowiowao
3 жыл бұрын
You will be good math teacher.simple explained!
@heyheyhadlay222
3 жыл бұрын
this is super helpful thank you very much!
@Boc3phu5
3 жыл бұрын
Is paying the full amount the same as paying the statement balance? Good vid! Keep it up.
@hazeleyezluv
3 жыл бұрын
Great explanation! Thank you!
@isaacinternet
4 жыл бұрын
She may be the cutest person I’ve ever seen...also this was very helpful.
@simonkc
3 жыл бұрын
Why didn't I wash to this years back. Very clear . Thanks
@lpdomalper5054
7 жыл бұрын
Great content Yanely! Do you think you can make a video on how to increase your credit limit? Thanks.
@missbehelpful
7 жыл бұрын
Sure! I think in general though you just gotta call the company and ask for an increase. Don't take "no" for an answer!
@JuliusSDeLaCruz
4 жыл бұрын
Hi! Thanks for the great overview of APR. I think it would've helpful to actually input some numbers to show how to calculate. Do you have a video of that?
@nakedmoney_5762
4 жыл бұрын
APR is so hard to breakdown and understand!! I loved her explanation. So simple.
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