The Top 3 Best Credit Cards for Beginners: Learn How to Get the Best Deal
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- Опубліковано 1 чер 2024
- After watching this video you will be able to build credit fast and get the credit score that you always wanted. The three credit cards shown in this video are free and have high approval ratings!
#creditscore #bestcreditcardsforbeginners #freecreditcard
Don't Click - bit.ly/3n5xbk6
0:00 - Intro
0:50 - Discover it Secured Credit Card
2:40 - Chime Credit Builder Secured Credit Card
4:32 - Capital One Mastercard Secured Credit Card
6:21 - Which is for you?
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First: Discover it Secured Credit Card
Link - discvr.co/37K1etf
Discover app download:
iPhone - apple.co/3pzM403
Android - bit.ly/3pqXd39
The Discover it Secured Credit Card requires that you do a security deposit of at least $200. After about 8 months, Discover will evaluate you to see if you are a risk taker or not, and if you pass, you will get your security deposit back and a non-secured Discover it Credit Card.
With the Discover it Secured Credit Card, you will also get 2% cash back on purchases that you make for gas or any purchases that you make at restaurants. For any other purchases that you make you will get 1% cash back. You will be able to qualify for at most $1,000 of cash back returns on a monthly basis.
Next, with the Discover it Secured Credit Card you will have no annual fee, fraud protection, you will be able to freeze your account, no credit check, 22.99% APR and free overnight shipping to replace ant card that you may have lost or had stolen from you.
Lastly, the Discover it Secured Credit Card rewards you with a dollar for dollar match for all of the cash back that you have received from your first year with the card.
Second: Chime Credit Builder Visa Secured Credit Card
Link - bit.ly/38wSshC
Chime app download:
iPhone - apple.co/3hgZTNH
Android - bit.ly/3phzrGs
The Chime Credit Builder Visa Secured Credit Card has no interest rate (APR), no annual fees or any other fees, no credit check and technically no minimum security deposit.
In order to be able to establish a credit limit in the Chime Credit Builder Visa Secured Credit Card is by opening a Chime spending account. The Chime spending account does require you to deposit at least $200 within the last 365 days. This means that in order to open a Chime Credit Builder account, you do need to deposit $200 into the Chime spending account in order to be eligible. Lastly, you will be able to transfer funds between the Chime spending account and Chime credit builder account; the amount that you transfer to the Chime credit builder account will establish what your credit limit will be.
Third: Capital One Mastercard Secured Credit Card
Link - capital.one/3aCDbyd
Capital One app download:
iPhone - apple.co/3ptgqBj
Android - bit.ly/3mJ3JjL
The Capital One Mastered Secured Credit Card may be convenient for you if have capital one bank branches near you and you prefer the traditional way of banking. Also, within the Capital One App, you will be able to monitor your checking account and credit account at the same time and you will easily be able to make payments between them.
The Capital One Mastered Secured Credit Card offers $0 annual fee and $0 foreign transaction fee (convenient for those who are fond of traveling). Lastly, in order to establish a credit limit you do need to deposit between $49 to $200, this is contingent on whether you have credit history or not. Any deposit amount that you are prompted with will grant you with a $200 credit limit.
How to use any of these cards to get a great Credit Score:
Based on the credit limit that you are given, do not waste more than 30% of the limit. Next, make sure that you use the credit card every month, do not over do it, just buy cheap snack or utensil that you need and pay it off right away, it is important that you use your card every month because it makes you seem like a trustworthy person with credit. If you follow these two simple steps for a little more than half a year, then you will be delighted when you see how high your credit score has gone, start off strong!
Do Note:
That some of the links in this description are affiliate links that will provide Jelfri Torres with affiliate commissions. The content given in this video does not include all credit card companies or all credit card offers. The content of this video is accurate as of 12/25/2020. Some of the offers mentioned may no longer be available after the posting date of 12/25/2020.
Attribute for background:
bit.ly/3hjz37O - Background vector created by vector_corp - www.freepik.com
Disclaimer:
Please consult with a professional before taking any financial decision, I am not responsible for any financial decision that you take after you watch this video. This video and its contents is for entertainment only.
lol "say that 3 times fast"
Ultimate challenge
I like how you break things down, well done!
I try my best!
Fire!! Keep it going!
Thanks! Will do!
excellent information thanks
I'm glad you found it helpful!
Very informative! Thanks for the video
Glad you enjoyed it!
Well said, look forward for more like this
Will do!
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I will!
Good to know
You got it!
Great video!
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I’m happy l found this
Thank you so much!
HI JERFY ITS ME ALBERT
Hey, how are you? Welcome to my channel!
Thank you for that information now I know what card to get next.
Let me know if you have any questions!
Jelfri muchas bendiciones en tu proyecto
Muchas gracias!
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It was a tongue twister for me too!
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