Credit Score: How to get From 0 to 720 in ONE YEAR!
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- čas přidán 11. 07. 2024
- How I got my credit score to 720 only one year after getting my first credit card
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I have an 802 credit score, and these videos are still showing me things I didn’t know. Thank you!
just to confirm i recived the same capital one platnum 3yrs ago with a 300 dollar limit and now i have a 8000 dollar limit
Dam...
+POPJack1717 No step on snek
Vernon Petterson damn, do you also have other credit cards or just been using that one
Vernon Petterson so if I spend 10 dollars on a card, I have to pay that exact amount back at the end of the month?
Since there is no cash back, do you even bother using it (besides the free $0.99 every month)?
Holy shit, in 13 minutes you answered questions iv had since i opened my first checking account when i was 15. seriously this video should be manditor in schools. fuck finger painting and gym.
i cant thank you enough m8,
SAS_muffintop right!
If you want to learn how to improve your credit score fast then visit this website here to find out how: HootCredit. info
Agreed! 👍
I just got approved for my secured credit card with Citi, with a limit of $300. This video is insanely informative!!! I should've learned this stuff in High School lol....
You have started well. Just make sure that you pay on time and never spend more than 30% of your credit limit always. Very soon your score will rise to 700 and 800 levels
@@wu2277 So if I get a secured card with a $500 monthly limit, and spend 100 dollars monthly (20% of $500 limit) .... I will build credit this way?
NothingXMuch101 ... Yeah! It’s so sad that they don’t teach important stuff like this in high school & college. Instead they force you to take courses that are absolutely irrelevant!!
NothingXMuch101 *I'm now free of credit cards any banks debt, ruma_telecom on Instagram cleared my debits charge no upfront fee for it*
@@mostblessed6032 Majoring in gender studies, I am offended! 300k in debt!
Im 16 and I dont know why im watching this but I find this interesting. 👍
You should learn all you can about getting & building Credit. Actually, I believe Credit and Banking should be taught thru all 4 years of high school.
Omar Bojorquez trust me. As soon as you hit senior year, the credit card offers will rain down. You'll be glad you saw this video.
Good...im 39 and I wish i could go back with what I know now...lm coaching.my little brother now 17 to be mistake free with his credit. Money. So on...Good luck young brother
Omar Bojorquez learn everything you can and soak it up. If i knew then what I know now, id have an 850. Listen and learn.
Shidd, you should get your friends on this. Things will get better when WE get educated ✊✊✊
No reason why they shouldn't have taught us this at school
Fucking right?!
But by God I learned how to write out a check and file my taxes. Schools don't bring up entrepreneurs, they bring up a labor force.
I'll be showing my students this video today!
There is a reason lol...
Or at home by fiscally responsible parents. I for one could have greatly benefitted from it during my college days and later 20s.
Oh there’s a reason! Thank you CZcams university
Love this! I'm a realtor and I've seen so many people struggling with their credit score in order to get a mortgage to buy a house. Your channel is amazing!
Messed up my credit 8 years ago when it was at 760 and I had knew nothing about credit. Started this year in Jan at 494- July it’s now 620... I know it’s low but feels like a big jump in 6 months, hope I can get close to 700 by dec.
What is it now?
@@KevinMitchellsubscribe I have a 780 right now.
@@Mr_P_Rockzz did you hit 700 by December?
@@KevinMitchellsubscribe yes looking at my records “screen shots” November 12 is when I hit 702 so that year I went all they way up past 700
I was able to do 740 my first year using a lot of videos from you and other similar credit CZcamsrs.
Brandon Galdamez *I've been in debts for a while now and almost lost my car and house due to my loan and credit card debts, ruma_telecom11 on !g helped me clear my debts and funded my account, the dude is Awesome*
Next: How to go from $0 in the bank account to a 720s.
I've spent so much time figuring out whether this is the 郝毅博 i know, so amazed to see different style of vedio from you! So versatile!
What a detailed video that you make. It is so easy to follow with your specific story. I have done research for this credit world and still very much confused how to build credit. Other people just say "You should do ABC". But you gave such an amazing example. Now I know what to do. Thanks man!
Thank you so much for this, you're my only reliable source for learning about credit
Lessons I should’ve learned ages ago. Thank you for uploading this
This is very resourceful I'm 30 and currently have a credit score of 832 and it took a lot of my time getting here but you really don't need to wait for a year because it took credit streamers about 25 days before I started seeing positive changes.
just got a capital one platinum and discover it card, this channel has been so helpful, thank you for all the helpful info!
Super helpful video, thank you for taking the time to upload this!
I DID IT TOO!!!! After watching your channel for a year my score topped at 722. It's dumped a bit after accepting the invitations from 4 great cash back cards. If you told me a year ago I would decline a pre-approval for Citi double cash card or an Amazon prime card . I would say Crazy! Just not fitting in to a 6 card plan. The best part of the last year was the the Discover secured chrome card. $250 cash back at years end. They gave me my secured $300 back and increased my limit to $2000. Also upgraded me to the IT 5% Categories! My regret Capitol one secured. After 6 months they increased my limit from $300 to $601. After that no love! After 15 on time payments they say there is no upgrade for this card. If I want I want my $300 back I have to cancel my oldest account! I don't need the $300 back so they can reside in the sock drawer and $10 a month it will be thru their no frills card. lol THANK YOU SO MUCH TO MY JOURNEY TOO 700!!!!
Great video, I like the way you walked us through the process. All the things you talk about is very important ie: secured cards, paying on time & credit utilization.
Hey man ! I'm very thankful for this video because it showed me it was possible to go from nothing to good credit in a small amount of time. But I'm happy to say I beat you by following your and other youtuber's advice. I got from 0 to 750 in about 7 months. Thank you for the great content!
As a 24 year old i have finally been approved for my first credit card (late) with a 300 dollar limit, this video really informed me on what i need to do and i thank you for that. I feel like ive asked countless people for their advice on building credit and they've never had any solid answers. They should've taught us this in school!
levi james I started at 23 bro no worries 🤙🏾 better late than never let’s keep our scores clean
I didn't start till 49
I like this guy he really knows what he's talking about thank you
my husband and i are moving from China to US this year. I feel well prepared after watching this video! Thank YOU soooo much!!!
Amazing Ben .. Love hearing your story ! Thank you for sharing I also took my score from the low 500's to over 770 within 1 year by obtaining all 3 credit reports review them for errors, disputing any incorrect info. I too keep my balances very low ! Keep these video's coming Ben !! Jose P.
Thanks for this video! Followed this as a student getting my first card, I now have a credit score of 737 after exactly 1 year.
That is impressive! What was your card limit, how much did you spend monthly and how long did it take you to get that score? Also, do you know anything about Capital One secured card?
Metti Na card limit was $500 and I would spend $100-300 a month. This was a non-secured card, and capital one quickly increased my credit limits every few months. It’s been about 2 years and it’s at $3000 now.
I got approved for Discover It card of $1250 credit, how much should I be spending monthly? I have no credit at the moment, I’m waiting for my card to arrive in the mail. Please help
Melody Juan well 30% of that is like 375, try not to spend over that amount and always pay on time/early and you’ll be fine. Good luck
@@justus4331 i normally use abt 30% and pay it off every 2 weeks and repeat that. The best advice i can personally give is just rewatch this video and take a deep breath. Very simple stuff
I got my first card almost exactly a year ago. I just checked my score and I'm at 722.
This so good to know! I watched with my fiancé who knew most of this and said it was a great video. We also learned that you can downgrade a credit card rather than closing it! Awesome information! Thank you so much!
Thinking about getting my first credit card, this was the first video of yours I've watched. Will have to watch more!
I learned more about credit from this one video than any other single source. Thanks for sharing your success story and making it so easy to understand. Woohoo!
Thanks for the nice comment
If you are watching this you ARE Generation Credit
Awesome tips. Just got approved for my first credit card thanks to you!
Thank you Credit Shifu!
I raised my credit score to 738 in 9 months by just following your steps!
A high score, regardless of income means you’re going to be paying less interest on loans for vehicles, homes, etc.
Not that lenders won’t lie to you to get that extra .125 out of you. You have to be smart and live within you means.
This is interesting tho. I was on my way to 720+ but a divorce sent me back to a 690. I’ll be using Shifu to get it back up again.
Downgrading chase cards.. would that work with American Express "charge cards" as well? My primary card used to be the AMEX gold, now I got the AMEX platinum and the gold is of no use to me anymore. I was going to cancel it but would that be the best idea? I live in Canada so I do not get the 99 gold cards with no annual fee as offered in the US.
Awesome testimonial, Ben. Appreciate you sharing your story. I'm on a similar path but more so of rebuilding. You've been helpful. Cheers.
Great video. I'm about to apply for my first credit card as I recently moved to the US. So all your advice is very useful to me.
This is a great video, as I had no credit 1 year ago. During September 2017, I applied for a BoA Secured card with a 300 dollar deposit, and after 6 months of on-time payments, they gave back my deposit while doubling my credit limit. As of this month, I have a 736 FICO score and was recently approved for an AmEx Blue Cash Everyday.
koreajong did you see a credit score increase after the first month
I started with BOA secured 4 years ago. I'm up to 10,500 limit an I only make 770 dollars a month
I'm 20 with a score of 704. It's easy if you don't spend above your means :)
Started with a Discover it card, secured.
GlobalGaming101 what card do you have now? I still have mine and only use it for gas and Chipotle. I got mine when I was 18 and I'm 19 with a 670.
TheDougTechCrew I only have a Discover.
sorry if this is a dumb question, but how much do you spend per month on your credit card? I have a limit of 1500 and this is my first card.
Nala D My limit was $200 a month at first. It was a secured credit card. I could spend more if I payed off a purchase right after I bought something: normally spending $300-500 a month in transactions. Now, after about a year, they upped my limit to $1200. Congrats on your nice credit limit! :)
Extremely helpful video!! Also, congrats on your credit!
This is really good advice.
I open my first CC with BoA around Aug 2018. After six months my score finally got posted and I astarted at 665. 10 moths in and I'm at 699, with a CL of 2500 for BoA and 500 for citi double cash.
I just got my first credit card with a $250 limit its small but I feel like a real adult
Just hit 700s! At age 20 I’m at a $2.2k limit between 2 cards! This taught me so much. Thanks credit shifu!
Im 20 as well with a 700+ credit score with one card. Ive heard its good to have multiple credit cards, but how do manage or decide what you spend on which card?
Jonathan Torres it’s pretty simple. Just add up the total of the cards get 30% of the total limit and then either split it between cards however you want
Jonathan Torres I’m a college student so I got the discover student card and they gave me 1k and the other card I have is my capital one play which was my first. Started around last sept
Thanks for the informative video man. God bless you!
Thanks for doing this video.
Great job although the biggest thing you did right was being married and becoming an authorized user on your wife's accounts lol. Not to take anything away from you, what you did was really impressive but it is much easier to start from nothing and get to over 700 in a year than it is to go from 700 to 800. The good thing is once you get to 740 there's really no huge advantage to being any higher. At 740 you're getting the best interest rates and are able to get almost any card you want just like the guy over 800. I was in the financial business and we use to say the only advantage to being over 750 was for your ego.
Yes, I agree with all that
I actually managed to get to 720 in 6 months without any history. Did a short 6-month internship in the States and got a Bank of America current account. Deposited my salary there and applied for a credit card, but was obviously denied. After two months and 4 direct deposits, I tried again and got approved for their Travel Rewards card (even got the 20k bonus after asking their social media team). Then used it for 4 more months as my daily card and made sure I always made on-time payments (at one point I always had negative balance on my creditcard, effectively using it as a debit card).
I moved back to Europe after 6 months, and score was 720 at that time. From time to time I still use the card here to keep it active (no conversion fees or other annual fees anyway) - and the score is still slowly climbing. Now- 1 year after initial application I'm at 735.
how about credit limit dont they give you more money the higher your score if your income is high
Bet, so I don't have to worry about my credit being any higher lol
@@thatdude1354 I make 750.00 a month an have one card with 10,500 balance
Love the vids!
Love your channel! Thank you for all of the great information.
You moved from the UK to the US... I'll be heading the other way in about 6 months. Any advice on the best ways to get started building credit there, since it seems that nothing will transfer?
Great Video. I followed your advice and started on my journey in December of 2019. My score was 621 at that time. My first card was Capital One for $300, after 5 months it went to $500.
2nd card was Discover it, $1000. My score was 665. It also added self credit lender account and now my score on Friday was 706 in about 7 months. Thank you
I am based is Australia and just received my Amex Platinum. I was also told I can get the Amex Platinum reserve at no extra cost to go along side the Platinum charge card. I can't find many videos for the AU Platinum features and perks 😭
So I've never had a credit card in my life, I'm 19 and just applied for the Discover It card and they ended up give me a $1000 credit limit?
Thanks you for your Information i watched all your videos with a credit score of 500 and got 3 secure cards from the ones you showed opensky,discover it,cap one and in 3 months I managed to raise my score to 600 now
Nice information! Just found out I'm barely under 30% but know that I know I'm just going to ask for a bit more on my credit limit.
I got the Discover student card 2 months ago and I'm at 700. My utilization is about 2% (I buy gas/ food and pay it off every 2 weeks) my income is about 7k/ year (part time restaurant job and student)
I'm new to this and I don't know much but I feel like I'm doing well. 0-700 in 2 months seems good right?
Wow... that's like.... really good seriously
You had no score before. Which is DIFFERENT than 0. 0 doesn’t exist and if it did and you had that score that would suck. No score isn’t a good thing and it’s not a bad thing. Just means you’re new to credit, or you’ve abandoned credit for some length of time.
Excellent!
BelowMinimums nice
Nice, but 300 is the lowest.
I opened my first CC one and a half years ago.
In one year I got all the way to 840 credit. I might as well share how here.
1. Had a 55k salary job.
2. Born in the us, may be harder for foreigners.
3. Carried a balance under 30% of my limit and paid it off always.
That was all I did! I didn't even apply for other cards. I used the paypal extras master card which has decent rewards (need to redeem them through gift cards for the best rewards though) and no fees. I think my salary had a lot to do with it too.
Currently using the double cash card from Citibank. I have other retail specific cards that give 5% cash back too. Have a 5% grocery card but man are companies fickle about what they classify as! Most are supermarkets even if they only have food.
Don't believe it. The only way to get a score that high is to have an account open for atleast 10-15+ years.
Creditkarma stinks
max points your fico goes up is 8 points per month per credit card. what magical 50k credit limit card did you get?
Thanks a lot for the tips man! God bless you :)
Wow. Thank you for the great advice.
His explanation isn't as simple as he makes it seem.
The letter of recommendation he is referring to is called a Reconsideration form that the banker just simply prints out. There are two reasons why the banker would submit it. 1. Applicant does not have a social security number and 2. The most common is the declined applicant has $10,000 or more with the bank (checking, savings, investments etc.)
I did not have 10k in the bank here in the US, but I had a record of about a year's worth of salary going in to my account every month. That gave the banker an assurance. I think basically they are looking for something to show you have the money to pay it off or you are responsible. Are you referring to a policy at a specific bank?
The Credit Shifu Chase, the bank that issued your freedom card.
Thanks for that clarity.
@@JasonBryantGreenI wish I could convince a banker to break policy for me LOL
From 0 to 720+
Keep making your videos!!!
new sub but fell in love with your videos like 3 seconds in. can you make a video about how getting a mortgage and having credit cards/ open accounts affect you.
can you please make a video on what chase cards do not count towards 5/24. thanks In advance.
Elaborate?
J.R. Brooklyn None.
SoCalBorn Chase's 5/24 rule states you will be rejected for any chase account if you've opened more than 5 accounts in the last 24 months.
Any business credit card by chase. Most personal cards apply towards 5/24
will credit limit still rise if you keep a low utilization? Won't credit companies assume a rise in credit limit is unnecessary since only a small percentage of the credit already given is being used.
+Alex German that can happen, it depends on the company. Sometimes they raise your limit automatically, sometimes you need to ask for it, especially if you have low utilization
This is so helpful! Thank you!!
An excellent video. You are spot on right 👍
It is odd because I thought the Americans use Equifax and Experian? Don't we use those in the UK??? Our information doesn't transfer at all to the USA (seems unfair;)???
It doesn't transfer at all, but one thing that might be of use to you is if you have had an American Express card in the UK, you can apparently call up and get them to transfer some of your credit limit from the UK over to the US so you can open a US card. They told me I could do this on the phone, but I didn't do it in the end.
The Amex thing-- good to know! Thanks.
I'm not sure but ,if anyone else trying to find out drowning in debt try Magonsi Credit Magic Expert (just google it ) ? Ive heard some super things about it and my neighbor got great success with it.
REPLY
I received the same capital one credit card ($300 limit), I just recently passed the 5 month mark and now have $500 limit. During those months I would use 100% of the card and pay it off COMPLETELY the next day (or whenever the transaction stopped pending). This is my only card still and at this 5 month mark I currently have a 700 credit score. I think the reason this works for me is because I only purchase on my card to show usage and never buy outside of my means. At the end of the cycle my balance is always at $0. I will update at my one year mark!
You use the whole 500 ? You say 100%
Terrencify obviously
Update
Where the update, u go bankrupt?
Update or fake😂
Great video.......keep sharing your experience.
Fantastic story and advice!!!
its not hard to get 720 i went from 0 to 749 in like 7 months by just paying everything off on time
Simon C with how many cards?
i started with a capitol one secured for 2 months and then got my credit up from 0-610 then they upgraded me to a reg credit card with 750$ limit and at the same time Discover IT sent me an invitation with 1500 limit. Used them both and payed on time for the next 2 months or so and got score up to like 710 and got a chase unlimited and used that and the other 2 for exactly 3 more months and @ 7month few days i was at 749 equfax and 746 transunion thsoe where on credit karma. On discover it FICO i was at 746 also
All this was done in 7 months i tracked it. Also my credit was shit and i mean shit from student loan and some unpaid stuff that went to collections. Oh and also i never had a credit card before my first secured card only a debit card. Capitol One turned me down 2x on the secured card before they said ok lolol.
So 3 cards in total but probably could of done with 2. All i did was pay 1 week before due date on all the cards which is easier if you have a few cards. If your only working with 1 or 2 then your credit limit is probably very little like when i had capitol one and discover it. My chase unlimited which was my 3rd card at the time gave me 8300.00$ limit which blew my mind becuause i got so little with the other 2 and it was only my 4th month in.
With the Cap One secured how much would you say you were spending per month or how much would you recommend to spend looking back looking to get my first cc very soon
Simon wait this doesnt sound right.... I thought your first card doesnt generate a credit score until youve been using it for at least 6-8 months?
@@ScotchTapeMafia It does sound right. I pretty much got to a 748 credit score from a 600 by doing similar things to what he did. Secured credit cards are a lifesaver and force you to pay everything on time. Student loans don't really add to your credit score, it's all about revolving credit. But his story is 100% plausible with secured cards and discipline.
When you say paying "on time", do you mean on time and in full? Thank you.
Daniel Marin yes, on time and in full. You should leave no balance each month.
It means paying your monthly minimum due, better when you pay a little more than the minimum due.
@@aaronmatz1586 I think it's okay to leave a balance each month, provided your statement balance is paid in full by the due date. People conflate "Statement Balance" and "Current Balance". Statement balance is just a snapshot of your current balance at that particular cut off date, and as long as that is paid in full by the due date, current balance doesnt matter (putting more charges on the card AFTER the statement cuts)
Yes
I’m 17 I turn 18 in May thanks for this video I’ve been with regions bank for almost a year now so I will open my credit card through them I have a good paying steady income to pay back what I spend hope I can get to 700 by 1 year
Good vid. I mad a lot a mistake in the past which I regret, due to not knowing how to deal with credit cards. I've learned a lot the pass year, as of now I can see 700 in the next two months.
What's your opinion on the discover it cash back credit card?
Joseph Fernandez im considering them for my first card too, the chrome version
Joseph Fernandez that was my second credit card, and it now has the highest limit.
Hugo Lizardi what's the credit limit on it? I currently have a 710 credit card have an idea what credit limit i Get? im trying to get my credit utilization up
I recently applied for my first credit card with discovery it was a discover chrome for students in college I'm 19 and I haven't gotten it yet but I'm sure I'm excited
Hugo Lizardi what do you mean ? When I was applying for it online they had different colors cards I picked the light blue .
_I'm thinking of a number..._
Thanks man great vid.
I’m 37 years old and have never had a credit card. Every purchase I have ever made using my debit card. Basically, if I didn’t have the money, I didn’t buy it. And I’ve always been proud of that. Even bragged about it here and there. But now my wife and I want to buy a home. and guess what? No credit. No bueno.
So thank you so much for the info! I’ve watched at least 15 videos, with this one being the most informative! Wish me luck!
So it doesn't hurt your credit score if you have a card but never use it? Or should you always try to make some sort of purchase on each card so that it shows that you're still using them?
Your card can be cancelled after non-use for 2 months with some card companies.
Use it every month. Buy a bag of Doritos or something.
Make small purchases, such as buying a candy bar and then paying that purchase off when the bill arrives.
Quick question, my FICO was 714 and 726. I looked at my Credit Karma and it went up to 751 and 795, this was Friday 9/22/17. Why are the 2 credit reports have different numbers and where is the 3rd one. I haven't seen it in such a long time, I forgot its name, lol. And would you be able to see that score without a hit? By the way, this was because you, Sebby and Mandy.
C3H5NO33HO3 Credit Karma isn't a reflection of your fico. The answer you seek is in the credit karma faq
Credit Karma calculates a score called VantageScore. A FICO score is the score banks and CU's use to give credit. VantageScores' are good for finding out about your overall credit usage but are not accurate. FICO scores can be found on your credit card statement through certain banks and through your free annual credit report.
Credit Karma is good for daily (or to save you some anxiety, weekly) checks on your overall credit health and to potentially catch any fraudulent activities. But to get your accurate FICO score, you need to get a proper FICO rating, which many credit cards give you for free annually if you ask.
There is no hit when you check on your own credit by yourself
Those are not accurate that's why. Only look at the FICO credit scores provided by your bank for free (Discover and Paypal Mastercard have a good FICO score) or the credit scores on your annual credit report. Credit karma gives you a very loose look at where your credit score might be, but it's not accurate enough
I have just turned 18 1 week ago and I am a high school senior soon to get my first job in the next weeks hopefully I can progress my credit and this video is helpful for me I shall check in on this video after a year or so
Great video and info thank you.
I got a EX 750 in 6 months from 0
Isac King How?
Isac King please due tell. It took me 1 year and 2 months with 2 cap one credit cards to climb to 743
Gladys Lam, 1 card with a $300 limit and a balance of $11, then it when down because I applied for a amex and a Discover card, If you what a good credit score you need 3 card with good credit limits (it can grow over time) but only report balance in one card, the other 2 keep it in 0 (pay it before the balance reports)
nobody starts from 0.....
Yo Yo is a example, he even said it on the video
How bad is it if a company (Credit1) specifically has zero grace period. And a stinking $99 a year membership fee. it had been $75 but the slime balls increased it after one year of having their hwy robbery account. HELP please
Cancel your account with them immediately! They are junk and a scam. NEVER use them. Go with a secured card at your local bank or one of the ones Credit Shifu recommends. He has a video on them.
Yeah I don't recommend Credit One. They have a lot of fees. Their one advantage is that they report to all three credit bureaus, but you could still do better getting a secured card.
The Credit Shifu Thank you. You know I had asked C1 for an increase, but even after 12 months they said sorry no. Lol But with them they most likely will charge you a fee for accepting the CL increase. Now that's just NUTS!
JuxtaGenesis Thank you.
That's just plain NUTS!!! I felt bad applying for a Capital One Platinum secure card. No annual fee. I use the Capital One Wallet app. I can pay instantly from my Chase Bank account. Capital One is far better, in my opinion. I read the Customer Reviews at length of any card I am considering. I Google news stories and/or any reliable source. Cap One is very well funded & I would certainly consider applying for a non-secure card.
Thanks your very direct and helpful
Thank you for that information
Hypothetically speaking, if i have a $1000 limit card, and utilization must be under 30%, can i spend $950 as long as i pay it back in FULL before the statement due date so that it doesn't collect interest?
Or Should i spend under $300 to stay under the 30% Utilization limit, and pay that back in full?
Spend under $300. Or if you make a big purchase, like $800 for example, pay it off immediately.
Pay it off before they send you a bill. (for utilization they only account the utilization that would show up on your credit card bill because that is when they report to credit bureaus)
Credit Shifu, thank you for your videos. Quick question: Should I prior to bill posting even if I use >30% utilization? Or should I just keep the utilization until bill is posted and pay it?
Thanks in advance!
Keep the utilization until the bill posts.
2Awesome thank you for that answer
I went from 4 to 714 in 2 months, how? idk
Thank you for this
Excellent video. Didn’t think about the benefit of increasing credit limits in order to lower credit use.
this shit is like pokemon
solstice addictive
best credit card with no credit history?
Hugo Lizardi platinum by capital one for sure
javierpineda71 isn't the discover it better?
Without credit history, you wont be approved for discover it.
Thats not true. I just got mine three weeks ago with no credit history
Cap One Secured. Absolute best deal out there.
Thanks for the info...!!!
Good Information!
i am native amrrican but i always check Caucasian on my loan apps and i always get the sweetest deals lol
Kevin Key smh
So you committed a felony? Fraud.... And you just admitted to it on the internet.......Good for you.
POPJack1717 The point is he's getting good deals because he checked that he's white..that's bullshit
I'd think that minorities would get more benefits. lol
POPJack1717 it’s not fraud if you want to get the same perks that caucasians get.
So im supposed to trust your advice with a haircut like that? Yeah okay
thank you, good video . very helpful
Thank you very much for this information. This helps me a lot and truly appreciate you ! Hugs
Who Mexican watching this
Use your credit card to get a good chair, please
+Peter Gao you don't like my chair?
Nah, WD-40 works fine
Good for you!
Very well explained. Thank you ole chap. Xoxo