I am 19 and have been scared of getting a credit card for a while, since I felt like I can somehow pay for everything with debit. However I realized that I can use credit just fine as long as I handle it responsibly, so I am studying credit cards a lot to make sure I don't make any mistakes. Responsibility is key. Awesome video, concise and informative, I subscribed.
If you want to check out budgeting for food, come check out the channel. I plan on doing an adulting video to help people who would like some adulting pointers. If you think you'll enjoy make sure you subscribe to get content!
I just hate how this is rhe only source ive found so far that explains this wothout fluffing things up. They are easy to understand, if the person explainibg doesnt ramble about what happens instead of how it happens.
Am so thankful I searched knowing one person would definitely explain it well and that was you. I seriously want to keep on liking ur video so it gets more but I can't, I actually just started working in telesales selling credit card but I didn't know how it actually went I was only behind of knowing those simple points and I finally understood them so once again thank you!!!!
What’s good Jason! New to the channel! Im so stoked that I paid off my second of six credit cards! I can’t wait to stop seeing my interest incurred on my cards! Working ok being debt free! Great explanation bud! 👍🏽.
Well I am also new to credit cards but basic point to remember is: Use ideally 30% of your overall limit (e.g. my credit line limit is 4500€ so I set my credit line to 1500€ which I can use). From this 1500€, ideal credit utilization is 30% so around 450-500€ which I can easily pay off in FULL. Full payment is best option. I got my card to pay for gas and usual stuff, not to spend money I dont have. I just wanted something to build my credit but I did not want to buy some depreciating electronics on financing. Do not change your spending habits (if so, decrease them). Credit card is not your money.
This was a really helpful video. I work as a customer service representative at a bank and this really helped me understand the basics of how credit cards work!
lmao im 21 and im thinking of getting one soon. However im lost on how it works, like even if I dont spend any money on my credit card do I still have to pay off a fee? Also im assuming you can pay off the credit card bill online by connecting it to the bank account?
What about how the credit bureau only looks for available credit? They don't care if you've used the card at all as long as you keep 70+ percent of you available credit open and unused. Interest is the least of your worries. If you spend above 30 percent of your available credit and leave it as a remaining balance the next statement period, your credit score goes down, regardless if you make the minimum payments on time. This is why so many people have low scores even though they pay on time on a balance that remains. That's an important key to the game. They think you have to actually spend on a credit card for your credit to grow. That's not how revolving credit works. That's how installment credit works.
Hey so when I buy something with credit card does it mean I pay the same amount back or do I have to pay a fee on top of what I bout if it's before the due date
Right now, I need a new laptop after using this old thing for 8 years (soon will be 9). But I cannot afford paying for a new one all at once. So yeah, thinking of getting a credit card for getting a better one.
I used to pay the outstanding balance in fear, also not understanding why my credit score was so bad but then I started only paying a little over the statement balance only because I quit my job at the time and BOOM my credit score became so good lol
So if I purchase something at $1000 on a credit card, the statement balance is the minimum amount to pay off before getting interest eg $100. Then the outstanding balance is the $1000?? So confused haha
So if I have a $500 credit line and I use $150 or less, would that be 30% utilization? And also if I use $150.. I would pay the $150+ any fees or interest if applicable?
Yes spending $150 would be 30% of $500. You’ll only pay interest if you don’t pay off the statement balance in full by the due date. So if it came to $150, then pay off $150 by the due date and you’re good to go
wait do we HAVE to spend money and pay with the credit card , i really just want to build credit before i move out my parents house. so theoretically speaking what if I don’t use my card at all but pay my statement balance am i still building credit or do i actually have to pay for things with it and Pay that back plus the statement balance to build credit?
@@queenbri5534 You for sure need to spend money using your credit card in order to build your credit. There won’t be a statement balance since you did not use any money using your credit card. Let this be an example: You spend only $500 using your credit card for a month. You now owe $500 to the company that you’re using the credit card for and that is your statement balance. You pay the $500 in time and now your credit score increases gradually. If you do not spend money at all, there is no way for you to pay back money that you owe... since none was spent. If an account becomes inactive for too long (time length can depend on who you choose) the company will close your account, thus, will hurt your credit. Important Rule: DONT CLOSE YOUR ACCOUNT!! It will hurt your credit score, so only do this when you already have a plan in mind. Don’t do it soon after getting an account. Hope this helps, good luck :)
Just to confirm by due date, does this mean the balance had to be paid of (in your case the 31st of each month) so say you owed £100. Does this mean that to be interest free, you have to pay it off before the new cycle starts? Please get back to me. Its driving me mad 😂
The credit card company gives you a billing due date, but you can change that date. I have discover card and can view and change my billing date online when I sign into my account. Call the phone number on the back of your credit card to find out how you can view and change your billing due date. My billing date is the first of every month, which means whatever I spend from December 1st to December 31st on the card, I have to pay all of it back before or on January 1st in order to avoid interest.
I was advised to pay a majority of my statement balance and leave only like $25 for the next pay period, was told that it’s supposed to raise my credit score faster? Thoughts?
So I opened a credit card and the bank app lists the balance as $0. Am I overthinking it. And we start at 0? Since technically it is credit which is i.o.u. So do I start spending with 0? Sorry if this is a stupid question
So, If I use $65 of my credit card balance in a month, and my minimum payment due is $23, if I pay the $23 (rather than the full $65 that I spent) will that amount accrue interest?
"You could do multiple payments before the due date period" - newbie here, confused, help pls. Say I owe(today is Dec 1)... 1000$ And my due date is 30 Days from now (say Dec 30) You mean to say I can pay this 1000$ in any increment from today until december 30? and not over? If I understand correctly. Basically this means, anything you spend on credit - you must pay within a given time limit for no interest to be incurred?
Ya. If the statement bal was $1,000 and you had 30 days until it’s due, then go ahead and make multiple payments to lower it during the month. As long as it’s paid in full by the due date, interest won’t be charged
It sounds like the outstanding balance is just all of your statement balances combined...right? so how can you say to always pay your statements, and your outstanding just if you want. is it not the same thing. what am I not getting, how is the outstanding not more imperative?
Something I'm unable to understand here...maybe I'm too young for this😂💔but...what If I have a credit card and I have $1000 in my saving account(Debit Card) and...if I use my credit card to buy something worth $500...How I'm gonna pay the state balance??...like...The bank cuts $500 in my saving account or something automatically?...how does it work😂...
So does the credit card have money that is not yours (from the bank)? And then you spend it you have to pay it back by transferring money from your debit card etc?
The bill statement confuses me. So if I have 100 dollars in my account and buy something for 40. At the end of the month I have to pay off that 40 dollars? So I’m basically paying 80 because of the thing I bought and now I have to pay it off?
So I think I messed this up somehow because my credit score dropped after my first month 15 is because I spent the limit and paid it then spent it again before my first payment it just freaks me out.
You’re only suppose to spend 9% of your spending limit per month to boost your score. You do not want to use your credit card that much otherwise your credit utilization score will be too high and it can hurt your score. So if your credit limit is 1500 a month 9% of that would be 135 a month
So if I just make it a habit to pay off my outstanding statement balance by the due date every month I should never have to worry about any of the other crap?
So if my statement balance is $100 but I only pay $50 i would be charged interest on that $50 and not my 1,500 outstanding balance im confused 🤔😂😂 please spread your knowledge jajaja
What about finance deals? Suppose If I buy a guitar which will cost around 800GBP and i want to pay that over 24months . But I also have a credit limit of 1000GBP.. Then how can i avail this deal without incurring interests on mothly installments?
You could look into getting one of the credit cards with 0% intro sign up bonus. Usually you can get 15 months with 0% interest. If you want to learn more, make sure to subscribe!
The thing I don’t understand is all this charges are done IF I borrow money from the bank, like overdraft etc... Or by using My OWN money stored in this account?
Benjamin Hanson you can only put your own money on a debit card usually. A credit card is when the company gives you money that you can use until you’re able to pay them back. So none of the balance or money on the credit card is your own money. it’s like a loan from a bank where you only have to pay back what you spend
hi i need help pls any pls, so my outstanding balance was $1273.15, i paid the bank full $1273, But the bank app is showing me statement balance needed to be paid which is $1281, i dont understand why i have to pay extra $1281 when i have already paid off the outstanding balance which was $1273 please help me as i dont understand. i dont want to spend another $1273 from my hard earned savings :(
The outstanding bal includes the statement bal, so I’d check back a couple days later and see if the info updates. If you over pay, you’ll end up with a credit on your account
@@HonestFinance thank you so much, the video helped me. cause i was afraid to pay extra money. the statement balance got updated and every thing was fully paid ! thanks for helping !!
So if you spend $45 in a month, you should pay back that $45 before the end of the month. If you only pay the $20 minimum payment, then APR will be applied to the difference (45-20=$25). So $25 will accrue interest. But if you pay the $45 for the month you spent it, there will be no interest charged. I wish this video would’ve explained that more because that’s the most confusing part to me.
I am 19 and have been scared of getting a credit card for a while, since I felt like I can somehow pay for everything with debit. However I realized that I can use credit just fine as long as I handle it responsibly, so I am studying credit cards a lot to make sure I don't make any mistakes. Responsibility is key. Awesome video, concise and informative, I subscribed.
Feel u man I’m 21 and I haven’t touched credit cards it’s be fine as long as you stay on top of the money coming/going.
Going through the same and learning it makes me feels at ease as i feel i can be responsible about it.
Thank you for this !! I never got taught in school and I’m becoming an adult and I’m like yikes !
If you want to check out budgeting for food, come check out the channel. I plan on doing an adulting video to help people who would like some adulting pointers. If you think you'll enjoy make sure you subscribe to get content!
Dang same as me mads
Facts school don’t be teaching us shit
@Darkteckh on telegram is a real vendor I can’t believe my eyes that man too real Go on his telegram He sell credit card with high balance💯
im in 4th grade
This is the type of shit we should be learning in school, not how many apples Bonnie has.
holy shit this makes so much sense. ty!!!
This was much less complicated and easier to understand then every other place I tried to learn from.
Hey thanks
@@HonestFinance No man, thank you
I just hate how this is rhe only source ive found so far that explains this wothout fluffing things up. They are easy to understand, if the person explainibg doesnt ramble about what happens instead of how it happens.
Am so thankful I searched knowing one person would definitely explain it well and that was you. I seriously want to keep on liking ur video so it gets more but I can't, I actually just started working in telesales selling credit card but I didn't know how it actually went I was only behind of knowing those simple points and I finally understood them so once again thank you!!!!
thank you so much, I learned more in this 3min video then I did in my financial class in high school the hole year
I will never understand how people cannot like this man. Looks and personality wise.
He is almost unreal.
Say that you paid off the entire amount that you owe before the due date, would that still help increase you credit score?
Yes it will
Thanks. I needed a refresher on this and had to come see my boy Jason on the basics!
What’s good Jason! New to the channel! Im so stoked that I paid off my second of six credit cards! I can’t wait to stop seeing my interest incurred on my cards! Working ok being debt free! Great explanation bud! 👍🏽.
Welcome!!
I’ve got a credit card video on how they charge interest and another on the grace period. Check them out!
And great work paying off the cards!! They are rotten and so expensive
CONGRATS! thats huge!
Well I am also new to credit cards but basic point to remember is: Use ideally 30% of your overall limit (e.g. my credit line limit is 4500€ so I set my credit line to 1500€ which I can use). From this 1500€, ideal credit utilization is 30% so around 450-500€ which I can easily pay off in FULL. Full payment is best option. I got my card to pay for gas and usual stuff, not to spend money I dont have. I just wanted something to build my credit but I did not want to buy some depreciating electronics on financing. Do not change your spending habits (if so, decrease them). Credit card is not your money.
hows the credit going
Thank you! I'm 19 and starting to feel like an adult now!
I’m 37 and I still don’t feel like an adult 🤷♂️
Thank you! I just got my first credit card a few weeks ago and I've been having trouble 😅
This was a really helpful video. I work as a customer service representative at a bank and this really helped me understand the basics of how credit cards work!
Thank you. Glad it helped
I’m 21 and just received my credit card today.
lmao im 21 and im thinking of getting one soon. However im lost on how it works, like even if I dont spend any money on my credit card do I still have to pay off a fee? Also im assuming you can pay off the credit card bill online by connecting it to the bank account?
@@Supernova-lc2yf if you don’t use it there’s nothing to pay, and yes hook it up to your account to pay your credit card
I still got a few years till I get my credit card, but that's not too early is it?
Hope you like the video. Give it a thumbs up if you feel the urge :)
Watch more credit card videos: ua-cam.com/video/KyA_RygVbYg/v-deo.html
What about how the credit bureau only looks for available credit? They don't care if you've used the card at all as long as you keep 70+ percent of you available credit open and unused. Interest is the least of your worries. If you spend above 30 percent of your available credit and leave it as a remaining balance the next statement period, your credit score goes down, regardless if you make the minimum payments on time. This is why so many people have low scores even though they pay on time on a balance that remains. That's an important key to the game. They think you have to actually spend on a credit card for your credit to grow. That's not how revolving credit works. That's how installment credit works.
so use under 30% of your overall limit then credit utilization 30% of that?
30% or less of your total limit. That’s your utilization
15 years old. Finnaaa Get rich rich
Hey so when I buy something with credit card does it mean I pay the same amount back or do I have to pay a fee on top of what I bout if it's before the due date
No fee if you pay it all back by due date
Right now, I need a new laptop after using this old thing for 8 years (soon will be 9). But I cannot afford paying for a new one all at once. So yeah, thinking of getting a credit card for getting a better one.
I still have no clue..
easiest explanation in youtube. thank you!
Thanks. I try to make understanding easy
Omg exactly what I needed! Should have clicked this video first.
Not clear yet 😂😂
*Fundsauce* !!!! Thanks for your working and hitting sauce 💯💸
Thank you for the information
This was helpful. Thank You.
Is it better to pay it back all on the exact date or a day before
I used to pay the outstanding balance in fear, also not understanding why my credit score was so bad but then I started only paying a little over the statement balance only because I quit my job at the time and BOOM my credit score became so good lol
Can you explain to me how a secured credit card works and what is my min deposit really for
So if I purchase something at $1000 on a credit card, the statement balance is the minimum amount to pay off before getting interest eg $100. Then the outstanding balance is the $1000?? So confused haha
It’s always a bit confusing and hard to explain easily. My newest video on interest might help. ua-cam.com/video/1cM39wU1CF4/v-deo.html
Thanks I'm 16 but I am setting up and learning everything for when I'm older to get a good credit score
wow!!! that was soooooo helpful!! thank you!
You’re welcome
How do you pay? do you make a transaction or?
I have a debit card :/
So if I have a $500 credit line and I use $150 or less, would that be 30% utilization? And also if I use $150.. I would pay the $150+ any fees or interest if applicable?
Yes spending $150 would be 30% of $500. You’ll only pay interest if you don’t pay off the statement balance in full by the due date. So if it came to $150, then pay off $150 by the due date and you’re good to go
What if we don't use the credit card for a month?
I am too dumb for this type of things, so can someone help me?
Nothing will happen and it’ll stay active
@@HonestFinance okk Thank you so much
Yes contact *mikeskyler* on telegram, that man is good for real 😳 I got my credit card from him
wait do we HAVE to spend money and pay with the credit card , i really just want to build credit before i move out my parents house. so theoretically speaking what if I don’t use my card at all but pay my statement balance am i still building credit or do i actually have to pay for things with it and Pay that back plus the statement balance to build credit?
@@queenbri5534 You for sure need to spend money using your credit card in order to build your credit. There won’t be a statement balance since you did not use any money using your credit card.
Let this be an example: You spend only $500 using your credit card for a month. You now owe $500 to the company that you’re using the credit card for and that is your statement balance. You pay the $500 in time and now your credit score increases gradually. If you do not spend money at all, there is no way for you to pay back money that you owe... since none was spent. If an account becomes inactive for too long (time length can depend on who you choose) the company will close your account, thus, will hurt your credit.
Important Rule: DONT CLOSE YOUR ACCOUNT!! It will hurt your credit score, so only do this when you already have a plan in mind. Don’t do it soon after getting an account.
Hope this helps, good luck :)
Just to confirm by due date, does this mean the balance had to be paid of (in your case the 31st of each month) so say you owed £100. Does this mean that to be interest free, you have to pay it off before the new cycle starts? Please get back to me. Its driving me mad 😂
Just pay off your statement balance in full by the given due date. That’s all you have to do
@@HonestFinance do you provide the date when taking the credit or do they?
The credit card company gives you a billing due date, but you can change that date. I have discover card and can view and change my billing date online when I sign into my account. Call the phone number on the back of your credit card to find out how you can view and change your billing due date.
My billing date is the first of every month, which means whatever I spend from December 1st to December 31st on the card, I have to pay all of it back before or on January 1st in order to avoid interest.
Thanks, Jason!
You’re welcome
I do not have any credit card but need one
Text cardvendor on telegram I just get my credit card from him just now with high balance of 10k
Contact *mikeskyler* on telegram, that man is good for real 😳 I got my credit card from him
If you are thinking about getting a credit card, check out the Discover It Secure Card. If you want to learn more check out our videos, and subscribe!
If you would like any card recommendations, LMK!
@Isaac Montecillo who are you
Pay it off before the due date, not the statement end date. Wow they costed me another 50 bucks lol
So whatever you spend on the credit card pay it off every month in full?
Yes. Pay off the statement balance in full and you won’t pay interest
I was advised to pay a majority of my statement balance and leave only like $25 for the next pay period, was told that it’s supposed to raise my credit score faster? Thoughts?
Always pay off your entire statement balance by the due date, but leave a little in your outstanding balance (that’ll do the trick)
Honest Finance Thank you Very much😁😁😁
@@HonestFinance can you explain this ? why leave a little in the outstanding balance?
I always thought that your monthly payment went towards interest...or is interest a whole different charge on top of monthly owing.
If you’re paying interest, it’ll be included in your statement balance each month
So I opened a credit card and the bank app lists the balance as $0. Am I overthinking it. And we start at 0? Since technically it is credit which is i.o.u. So do I start spending with 0? Sorry if this is a stupid question
You start w a limit (like $1,000), and $0 balance. Then it goes up as you spend
Hello
Good vid
Thanks
Thank you!! Very nice
You’re welcome
I like this guy
So, If I use $65 of my credit card balance in a month, and my minimum payment due is $23, if I pay the $23 (rather than the full $65 that I spent) will that amount accrue interest?
Don’t pay the minimum balance ever. Only pay the statement balance
If you have a 0% APR Credit card, then you won't be charged any interest. Otherwise, you will be charged the APR on the $42
PIF PAY IN FULL (:
yes! it will - which is why it's important to pay it off in full!
@@HonestFinance so basically everything you spend you have to pay it back including the minimum payment?
I always pay off my credit bill early the better how iam even due date on 25 of july 🙃🙃
Is the statement balance how much someone has spent for the whole course of a month ? Or do they have their own process how they calculate?
Yes. Charges, credits and interest will go into the statement . Everything inside the billing cycle will turn into your statement
So would I use my source of money like my debit to pay the amount due?? If so is like on the back of the card to contact to make a payment??
You can call the number on the back and pay w your bank account , or set it up online
"You could do multiple payments before the due date period" - newbie here, confused, help pls.
Say I owe(today is Dec 1)... 1000$ And my due date is 30 Days from now (say Dec 30)
You mean to say I can pay this 1000$ in any increment from today until december 30? and not over? If I understand correctly.
Basically this means, anything you spend on credit - you must pay within a given time limit for no interest to be incurred?
Ya. If the statement bal was $1,000 and you had 30 days until it’s due, then go ahead and make multiple payments to lower it during the month. As long as it’s paid in full by the due date, interest won’t be charged
It sounds like the outstanding balance is just all of your statement balances combined...right? so how can you say to always pay your statements, and your outstanding just if you want. is it not the same thing. what am I not getting, how is the outstanding not more imperative?
I pay outstanding, but you don’t have to when avoiding interest. It’s a personal preference
How do u pay it though? How u get money into it ???
Contact *mikeskyler* on telegram, that man is good for real 😳 I got my credit card from him
Hi Samah, you would pay for the card through your institutions account, usually online. I hope this helps, if you enjoy please subscribe!
Something I'm unable to understand here...maybe I'm too young for this😂💔but...what If I have a credit card and I have $1000 in my saving account(Debit Card) and...if I use my credit card to buy something worth $500...How I'm gonna pay the state balance??...like...The bank cuts $500 in my saving account or something automatically?...how does it work😂...
You can set up autopay, but generally you’ll need to manually pay off your credit card balance w money from your bank account
@@HonestFinance like how?....I should personally go to bank for this?
No. Just use their online features and set up your bank account to your credit card
@@HonestFinance Ohh okay❤Thank you bro!...appreciate that!
Can you pay the statement back bye linking a debit card or bank account tho??
Yes you can . Just link your bank and pay off what’s needed
Okay thx ☺️
thank you!!!!!
Yup. Hope it helped ;)
so does the outstanding balance become the statement balance in following month??
So if i pay the statement balance!!? I wont be charged interest on my 1,000 balance?????
So does the credit card have money that is not yours (from the bank)? And then you spend it you have to pay it back by transferring money from your debit card etc?
Ya but I’m sure they finance the money themselves
The bill statement confuses me. So if I have 100 dollars in my account and buy something for 40. At the end of the month I have to pay off that 40 dollars? So I’m basically paying 80 because of the thing I bought and now I have to pay it off?
No. Your billing statement would end and they’d give you a due date to pay off the $40.
*Fundsauce* !!!!! Thanks for the working credit card
So I think I messed this up somehow because my credit score dropped after my first month 15 is because I spent the limit and paid it then spent it again before my first payment it just freaks me out.
You’re only suppose to spend 9% of your spending limit per month to boost your score. You do not want to use your credit card that much otherwise your credit utilization score will be too high and it can hurt your score. So if your credit limit is 1500 a month 9% of that would be 135 a month
what happens if I dont pay back my loan nor fees?
So if I just make it a habit to pay off my outstanding statement balance by the due date every month I should never have to worry about any of the other crap?
*Pays Student Debt*
Credit Score: Down we go
Huh?
Is it better to make 2 payments or 1 big one
I prefer to make two payments . Here’s a video on why you should make two payments if you’re curious. ua-cam.com/video/VWDoLyS_1DM/v-deo.html
when u said watch this video and pointed your finger up nothing showed up for me
i think YT changed their format
Subbed
So if my statement balance is $100 but I only pay $50 i would be charged interest on that $50
and not my 1,500 outstanding balance im confused 🤔😂😂 please spread your knowledge jajaja
So as long as I pay it before my due date, I’m good?
What about finance deals? Suppose If I buy a guitar which will cost around 800GBP and i want to pay that over 24months . But I also have a credit limit of 1000GBP.. Then how can i avail this deal without incurring interests on mothly installments?
You could look into getting one of the credit cards with 0% intro sign up bonus. Usually you can get 15 months with 0% interest. If you want to learn more, make sure to subscribe!
So its like a portable amscot ??
The thing I don’t understand is all this charges are done IF I borrow money from the bank, like overdraft etc... Or by using My OWN money stored in this account?
Benjamin Hanson you can only put your own money on a debit card usually. A credit card is when the company gives you money that you can use until you’re able to pay them back. So none of the balance or money on the credit card is your own money. it’s like a loan from a bank where you only have to pay back what you spend
do u need to spend a lot to be able to build credit?
No you don’t
hi i need help pls any pls, so my outstanding balance was $1273.15, i paid the bank full $1273, But the bank app is showing me statement balance needed to be paid which is $1281, i dont understand why i have to pay extra $1281 when i have already paid off the outstanding balance which was $1273 please help me as i dont understand. i dont want to spend another $1273 from my hard earned savings :(
The outstanding bal includes the statement bal, so I’d check back a couple days later and see if the info updates. If you over pay, you’ll end up with a credit on your account
@@HonestFinance thank you so much, the video helped me. cause i was afraid to pay extra money. the statement balance got updated and every thing was fully paid ! thanks for helping !!
Am impressed. Now suppose i take a credit card what will be the maximum i can spend in a month?
I’d say about 30% of the limit or below.
How much do I have in net bank
School could have taken less than 3 mins to explain this
Imagine spending money that not yours...
if I take a payment plan and pay on time before the due date, am I still gonna be charged for interest?
Just pay off the full statement balance before the due date and you’re good
So if you spend $45 in a month, you should pay back that $45 before the end of the month. If you only pay the $20 minimum payment, then APR will be applied to the difference (45-20=$25). So $25 will accrue interest. But if you pay the $45 for the month you spent it, there will be no interest charged. I wish this video would’ve explained that more because that’s the most confusing part to me.
Just pay off the entire statement balance every month and you’ll never pay any interest
Sorry it’s confusing. I’ll make more videos this year on the subject
@Darkteckh on telegram is a real vendor I can’t believe my eyes that man too real Go on his telegram He sell credit card with high balance💯
Does this mean that a 10 dollar pizza is actually 20 dollars?
Got a little rusty with credit card info thx for the simple explanation your not making sense your making dollars:)
Thank you!
The interests….the horrible interests
How frequent are the due dates is all I was here for.. and he's specified not once !?
The due date is typically around the same day each month
🙌🏾
Why don’t they teach you this in school?
Thanks so much for the delivery once again man.!!REALG4GANG💯🔥
congratulations to our schools for teaching us jack shit and letting us be devoured out there because people dont have essential information like this
Can I learn stuff that ima use in life?
School: Timmy has 4 apples
Lol I just get a debit card it's so much better
Yes you don't have to worry about paying later or debt
Thanks so much for the delivery once again man. REALG4GANG💯🔥
Very helpful thank you
*Fundsauce* !!!! Thanks for your working and hitting sauce 💯💸
*Fundsauce* !!!!! Thanks for the working credit card
*Fundsauce* !!!! Thanks for your working and hitting sauce 💯💸