Holy COW - This is LITERALLY EXACTLY WHAT I BEEN LOOKING FOR! Amazing. Nobody tells you all those stuff when you get the card! Especially the store credit cards man they always telling you that you could save 20% to buy the stuff that day with their credit card and then you end up doing to save but you don't save nothing because you never could understand these things they send to you in the mail. Thank you for doing this video!
@missbehelpful
8 жыл бұрын
I understand that frustration! So glad this video was helpful to you!!
@jessinicole7998
5 жыл бұрын
I just got my first credit card at 33. I felt confident to take the leap after watching your videos for a couple of years and saving money with your tips. My credit line was 6,000 due to your tips on being smart with money. Now I know about Utilizing my limit and wont go over 10%. Thanks so much.
@lisachavis6095
8 жыл бұрын
Glad you made another video, great information as usual!😃
@missbehelpful
8 жыл бұрын
Thanks Lisa!
@thehermitinvestor8079
8 жыл бұрын
Another classic video from you! Don't go on anymore long breaks lol keep em coming!
@missbehelpful
8 жыл бұрын
I know! I was traveling and training this past month but I will def be posting more often! Thanks for watching and commenting!!
@thehermitinvestor8079
8 жыл бұрын
Definitely I've learned so much from you and I see you're taking your channel to the next level :_
@braydencarsner3404
3 жыл бұрын
I’m learning this
@colbystrickland
8 жыл бұрын
Very informative as always; thanks MissBeHelpful!
@missbehelpful
8 жыл бұрын
+Colby Strickland You're welcome! Thanks for watching!
@vixenchild168
8 жыл бұрын
awesome I'm looking at my statement as I'm watching your video
@missbehelpful
8 жыл бұрын
That's awesome! So glad it's helping you with your own statement :D
@Amit-pj7vf
3 жыл бұрын
Thank you.
@pipez112
7 жыл бұрын
New fan! Thank you!
@missbehelpful
7 жыл бұрын
You're welcome!
@Maggie71286
8 жыл бұрын
Thank you so much for your very helpful videos! I was wondering what your opinion is on paying off your credit card debt in full each month. I have been working hard to use a little less than 10% of my total limit (as you instructed in a previous video), but I have heard differing opinions on paying off the full balance each month. I am really trying to increase my credit score because it is not good. Again, thank you! Your videos are wonderful.
@missbehelpful
8 жыл бұрын
The BEST thing you can do for your score is pay in full each month on time! Thanks for asking!
@PhenomenalViper2007
8 жыл бұрын
I have certain cards for different things I don't put it all on one card and I put A limit on how much I spend on each card, all but 2 are cash back cards
@LAUR3N86
8 жыл бұрын
Can you make videos on first time homebuyers or what to do to increase your credit score if you don't have any derogatory marks?
@albabriceno3879
7 жыл бұрын
Loving you videos. Very helpful. Can you make a video explaining how interest is calculated?
@missbehelpful
7 жыл бұрын
Yeah - Great idea! Thanks for watching and commenting!
@josephneal1787
8 жыл бұрын
Very helpful info! Thank you!
@missbehelpful
8 жыл бұрын
+Joseph Neal You're welcome!
@jakereed8282
4 жыл бұрын
Your utilization will only be high if you dont pay the balance down to 30% or lower by the statement closing date.
@destinosyviajesporlalaymig6329
4 жыл бұрын
Good explanation
@sal7777777
8 жыл бұрын
I got a new credit card not to long ago. My question is how long should I wait to apply for a new one and not get rejected?
@missbehelpful
8 жыл бұрын
Good question! I suggest waiting at least 6 months before applying for new credit again!
@sasa-wb2ej
4 жыл бұрын
cool thanks
@curtisdavis8594
5 жыл бұрын
Great video!!! But you did not talk about Late Fee/Late Payment ... could be 50 point drop??
@angiemack5194
8 жыл бұрын
Hey hope all is well, out of all the videos I've watched I'm rating you number 1!! 🙌🙌🙌😆😆😊😊
@missbehelpful
8 жыл бұрын
+Angie Mack Thank you, Angie! I always appreciate the feedback so much!!
@lando6486
7 жыл бұрын
Thanks
@missbehelpful
7 жыл бұрын
You're welcome!
@quickdubbs328
4 жыл бұрын
Only issue I have. You not next to me, talking, this valuable experience 🤝
@ab00781
7 жыл бұрын
2:00- According to this sample sheet, if the total credit limit is $2,000 they should have only spent a little UNDER $200 on their credit card; to stay within the 0-9% spending area, for an excellent credit score. Correct?
@avburns
7 жыл бұрын
Her latest video sort of addresses this but to stay within the 0-9% spending area for an excellent credit score the person should have paid enough of their balance by March 22, 2012 (the statement cut-off date) to get within that 0-9% range which is what would have been reported on their statement and to the various credit card bureaus. Then once they received their statement they could pay the balance off by 4/20/12 to avoid paying any interest.
@missbehelpful
7 жыл бұрын
Thanks - you answered that like a pro!
@missbehelpful
7 жыл бұрын
Yup - you got it! For a more advanced way to remain between 0-9% without limiting spending watch the new video called "How To Get Rewards Without Hurting Your Credit." Thanks for watching and commenting!
@JohnDoe-qq8et
7 жыл бұрын
avburns So the goal would be to pay off just enough of what's owed on the due date before the statement closing date so that you have a remaining balance between 1-9%, then after the closing date, pay off the remaining 1-9 %, which could be the next day? If this is accurate, what happens when the due date comes? Will it be clear and you don't have to worry about it?
@jeremycbarnhart2305
3 жыл бұрын
Great vid. But more confused than before.
@asdfasdfa4630
8 жыл бұрын
Your videos are so cool
@missbehelpful
8 жыл бұрын
Thanks! I appreciate it :)
@Monkey_money1
7 жыл бұрын
helpful..thanks
@kiddough1984
8 жыл бұрын
Hello MissBeHelpful What's the difference between a credit & FICO score? Credit Karma uses a credit score & my credit card provides my FICO score each month & they are different.
@missbehelpful
8 жыл бұрын
This is a good question! Here's an article that helps explain that. The top one used in FICO score which comes from all the information that the 3 credit bureaus combine. www.nerdwallet.com/blog/finance/comparing-credit-scores/
@certifiedkings2126
4 жыл бұрын
I spent 57$ on my credit out of 1000 but minimum payment and amount due says 0.00$ I don't understand
@missbehelpful
4 жыл бұрын
Probably has not been process yet. purchases take several days to clear and show up on your credit card.
@UliSwag
6 жыл бұрын
my credit limit is $300. if i use all $300 of my available credit in a billing cycle but i pay it all off before the billing cycle ends. will my utilization rate be 0% ??
@joeblow1328
7 жыл бұрын
Hello I just came across your video you're very helpful, I have a few questions to ask you. Ok I use 1% of my 200$ credit limit Because of the previous video I seen from you, well it helped and I have my credit card since May of this year. The question is how do I generate monthly so I can get my credit score up faster for an example my most recent statement July 24-August 23. I didn't have a balance for July but I use my card in August but that's due October 20? I don't know where I went wrong can you please explain how do I get a monthly charge so I can get my credit score faster, like what day should I use it because my due date is the 20th of each month the closing date is the 23rd and my report date is the 26.
@ashrose9229
4 жыл бұрын
I wish my credit cards would be two months before the due date.
@jimenatalavera5488
8 жыл бұрын
Even if you pay everything at once before the due date is it a bad idea to use almost all of the money (credit) available in one card? what if you have other cards that you are not using as much and your overall credit available is way higher (your overall utilization rate is low)? I guess what Im trying to say is, is it better to distribute how much money you use in a lot of credit cards or is it ok to put way more than the rest in just one?
@missbehelpful
8 жыл бұрын
Good question Jimena! Your utilization is calculated based on your overall credit available so it is ok to use mostly one card. Just remember that you don't want to go over 10% of your total credit available across all cards regardless of how you distribute it. Also don't get in the habit of only using one card for everything and not using the other cards at all. You should use the others once every few months to keep the accounts active. Hope that helps and thank you SO much for watching and supporting my channel :D
@mrmoldremoval
8 жыл бұрын
Thank you Little miss Helpful.. Your Hair is Very Pretty. I'm always looking to Increase my Fico Score.. When is the best time to Pay my credit card Balance ?
@missbehelpful
8 жыл бұрын
I always pay the balance in full by the day before my due date just to be safe.
@mrmoldremoval
8 жыл бұрын
MissBeHelpful OMG Thank You.. I would pay it after the Due Date.. I had it Wrong. Thank MissBeHelpful. I am learning as I go
@missbehelpful
8 жыл бұрын
That's the way to do it! Keep learning and don't forget to share what you learn with others. There are way too many people who don't know this information - it's crazy! Thanks!
@aeromedical6750
4 жыл бұрын
The best time to pay your cc balance - NEVER! Pay cash or don’t buy it. Anyone who uses something forwhich a bank charges interest rates that a loan shark would blush at needs to have their head examined.
@babypenguin6014
7 жыл бұрын
Thanks for the video anyway my husband and I just got our credit card we put 200 on it then our credit limit was 301 so how much we need to spend to have a good credit score?
@jamnao8813
6 жыл бұрын
I tried to fix everything with paypal but I acsedenticly send my bank moneys to my email adress and dont know how to get it back
@marksantucci4230
8 жыл бұрын
what about if you go to a bagel shop or out to eat then do you save your receipts?
@missbehelpful
8 жыл бұрын
I don't save receipts but I know lots of people who do save them. I keep track of my spending on my apps on my phone.
@benalexender3046
7 жыл бұрын
thanks
@missbehelpful
7 жыл бұрын
You're welcome! Thanks for watching and commenting!
@10GolDenHeaRts
5 жыл бұрын
What if it doesn’t have a billing cycle start date only end date ?
@missbehelpful
5 жыл бұрын
Maria_Rey Call and ask but usually it’s the day after. So if it ends on January 3rd then the next cycle starts January 4th and ends February 3rd.
@marksantucci4230
8 жыл бұрын
I got my first credit card statement somewhere around 1989. do you go that many places and use your credit card or do you once in a while use cash? example fast food restaurants use cash, drug store cash, hair salon cash, sit down restaurants credit card , electronic store credit card? do you save the receipts that the merchant gives you? or do you tell them that you don't need the receipt?
@missbehelpful
8 жыл бұрын
Everything is online now - so I rarely collect receipts. That's just me, though! Thanks for watching and commenting!
@srreal4821
7 жыл бұрын
I try to keep my utilization high, because it gives me a reason to increase my credit limit. Once it's high enough I'll go for a 0% utilization
@missbehelpful
7 жыл бұрын
You don't need a reason to increase your utilization. Just call and ask them to increase it and if they say "no" just ask to speak to a manager and don't take "no" for an answer. High utilization really hurts your score so it isn't worth it in my opinion!
@metasprite5648
7 жыл бұрын
How long does it take to get the credit card statement in the mail?
@metasprite5648
7 жыл бұрын
***** thanks but I already got it in the mail. plus can't check it online cause its my dads
@missbehelpful
7 жыл бұрын
If you get a paper copy it usually takes about a week after the statement closing date. Try to change to online banking though - much faster and more convenient!
@metasprite5648
7 жыл бұрын
MissBeHelpful a little late but thank you :)
@missbehelpful
7 жыл бұрын
Hah! Sorry! I missed this update before. Hope it helps either way!
@jeezimeeta4100
3 жыл бұрын
Thanks for the recommendation of *Dumpsgang* you’re the best vendor of credit card dude no issues on my cc💯
@edyfinance2993
7 жыл бұрын
great video. probably better to use real credit card statement. I made similar video with real credit card statement.
@jetthey146
7 жыл бұрын
i dnt see bcz i need credit card info i see bcz ur face expressions simply click on my heart 😍
@kevywilliams3304
10 ай бұрын
This does not tell you how to read the transactions.
@hlubmos2chah945
3 жыл бұрын
You're very helpful n' insanely beautiful n' smart!!! No offense.
@Srayuda
6 жыл бұрын
Mujer mas bella! ❤️
@terrellsimmo.s7271
4 жыл бұрын
God she is gorgeous‼️
@sarahmarshall7523
4 жыл бұрын
facebook is not that great!!
@DanielSmith-tn8un
6 жыл бұрын
She moves around to much in her video's it makes me tired just to watch her video
@aeromedical6750
4 жыл бұрын
I know exactly how to read my cc statement. Wait a minute - I don’t have one of those blood sucking things. I digress ......
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