I did this for years and it does work. I traveled for free for basically as long as I wanted to. It is kind of a full time job keeping track of your cards and which one you should use and which ones you've already used. My problem now is I don't spend money anymore. I'm financially independent, have no debt, and very few bills. I wouldn't have 3,000 worth of expenses to put on a card now so this doesn't work for me. I think it's far easier to just pay for your plane ticket when you want to go somewhere than work this racket. But I'm old now and just want things simple.
VERY well done ! I say this with 40+ years in mortgage finance & banking working with credit bureaus. Different models and parameters are used by different industries but *Linux tech corps* info is pretty much universal. If you're trying to max your credit scores, there is a happy medium between too many credit cards and none. Too many cards with zero balnce may actually hurt you in some cases. Even if you do not use them, you have a potential. To always pay cash & still have cards doesn't help your scores as well
@@anthonyclarke9158I know this comment is old, but I’d suggest credit karma to check. It’s free to see and they estimate your likelihood of approval based on your score :)
I watch Doug for Vehicle break down and your channel for finance breakdown and these days for background when cleaning or eating. Fire material thankyou!
After about 5 try’s I finally got accepted for my first credit card! I’m gonna rewatch all your videos and try to come up with a strategy or plan to be able to get a high credit score quickly! Thanks Graham. 😊👍
Me and my husband did this. We opened 2 travel cards before our wedding and put all our wedding expenses (money we were gonna spend anyway) on them and got the bonus and of course paid it off every month. Because of that we got our anniversary trip free.
I love you for being straight up honest. There are other youtubers who are only trying to make profit and make up lies to get views, but you are very real on the things you say. Keep it up man, very inspired by you!
name it ---- churn name it ---- model 1 (for your latest car) name it ---- cash name it ---- duplex (for double) name it ---- free name it ---- smash name it ---- algo (algo gato) name it ---- proppie (for property) name it ---- expense (spense) name it ---- fico name it ---- channel ....
Hey Graham, signed up for Amazon Prime Rewards card after your cash back credit card video. Just got my first statement and got $95.75 cash back. Thank you! Pretty sure I owe you a round of avocado toast now.
At least with Amazon, I believe you get up to 5% back on purchases? What bothers me with many of these travel card is when the only thing that's attractive is the sign up bonus. When signing up for a card, I prefer to keep it for at least 2 years. I often find that a lot of these travel cards after the bonus isn't worth it. If I have to pay an annual fee, and I'm lucky if I only spend 15,000 a year, that's like a 150 dollars worth of points. But if the annual fee is a 100 dollars, I really only made $50.00. I find that many of these travel reward cards are best if you fly or stay at hotels frequently. A secret that I found over the years, is that if you have some friends that live across the country, try to see if you could stay at their place first. Then at least you're saving yourself a lot of money which is often greater in value than what you receive in reward points anyways.
The cards with percentage rewards only aren't that great. The amazon one for example is the most you can get back at 5% and that's only on amazon related things...so if you spend $1000 on there it'll net you $50 in savings...$2k for $100 in savings...but then you have cards like the chase southwest card where after $1000 in spend you earn 40k points which is equivalent to at least $400 with the annual fee waived the first year. So the bonus is going to pay back much faster than any percentage based card like amazon. My bonus cards have saved me around $6-7k in traveling and I have a lot more points set to go for other trips. I'd never save that much with percentage only cards like amazon or discover it or something similar.
@@Determination212 Yes if you have a Prime membership you get 5% back on purchases or if you don't have the membership, it is 2% back. Also, 2% back at restaurants, gas stations, and drugstores. Then 1% for any other purchases. No annual fee. My first month had a good cash back amount because I bought my new laptop through Amazon (I was going to buy a new one anyway because the pixels in my screen were dying and it was getting super slow). I fly like once or maybe twice a year, I shop at Amazon every week!
So the issue with Amazon is that its a cashback card. People will choose a Sapphire card with an annual fee because of the sign up bonus but also because its worth. Youll earn 2x on travel and restaurants with the Sapphire Prefered, but the biggest catch is the redemption. Yeah on face value its worth 2%, but the better perk is when you redeem those points to travel partners, if you book a great redemption, many people get 6x or even 10x the value on certain redemptions. Spent $100 at a restaurant? Sure $2 in cashback is nice, but if you can earn 200 points instead and those 200points then get spend on a travel partner and booked on a flight that earns 6-10x, all of a sudden that same $2 is worth $6-$10 but on a larger scale (because these flights cost 60k+ in points). I for example have 400k in UR. Thats 4k in cashback. Sounds amazing on surface, but that same amount of points can can get be insane redemption values that are worth easily 20k
I got my first credit card in the mail today. Thanks to being a part of my dads account as an additional card member, I have an insane limit. I can’t wait to pay for some memberships to things like Apple Music and Spotify like I usually would and then just pay it off with my debit card to build credit. I’ve coincidentally been binging your videos the last few days and I’m happy I did because I have a better understanding of credit cards now. Thanks. PS sorry for the long comment.
Advanced credit card churning class: You basically have your broke college friends with no Amazon prime account send you things they want from Amazon. Then you use your Prime account and new credit card to make the purchase and have your friend venmo you the money. They get the stuff the next day, you get your points, venmo doesn't charge in between. Everyone wins.
I agree with you graham. I got a AMEX platinum (free for active military) and I spent the minimum requirement for my daily expenses. I even helped my relatives to buy stuff so I can hit my goal since I don't spend a lot. I just don't understand how and why some people don't know how they can't make it. That is always strategy etc. to meet the requirement. Just wait till you need to buy big purchase and get this card and you are golden
Thanks man you really helped me out I’m 19 years old and I’m about to get my first secured credit card to start my credit and you thought me a lot that I didn’t know and was trying to figure out 🤙🏽👌🏽💯
Correct me if I'm wrong. But annual fees are assessed every year, while sign-up bonuses are only given once. So all this "profit" Graham keeps talking about is only profit for the first year. After that the annual fees will quickly overtake any bonus you got at the beginning. And closing credit cards is less than ideal for the sake of your credit score.
I churned one last year after watching this. I leveraged it to actually get me out of debt, hilariously. I've closed it as more of an organizational thing. I'm going to churn a new one this year to travel.
I got the Chase Sapphire (150,000pts) reserved and preferred (80,000pts), the Chase ink for my business (80,000) and personal (80,000). I used them to pay corp taxes, prepay cellphones, bought a motorcycle, car repairs, and pay rent etc. After the first year, I consolidated the lines of credit to Sapphire card and converted the Ink business card to one with no annual fee.
@@JJ-ii7vz Perhaps I got grandfathered in or something. In all honesty, a coworker insisted that I apply for all of these cards since I travel alot. He made a big deal about it as if something was about to change that made that particular moment special. So even though I didn't fully understand the process I did it all within 3 months and ended up with 390,000 points.
Thank you! ☺ I think it is important to be honest about money discussions. Too many people never discuss about money in order to not offend others but no wealth can be built on ignorance.
Thank you - you explained this very well and made this easy to understand. I'm just learning about this and it can be overwhelming, but you made it much clearer.
Mom: Hey honey, how was your memorial weekend? Me: Great. Graham taught me how to beat the system by churning credit card companies out of their sign up bonuses
Graham, you're the man! I am in the same boat, haven't paid for a hotel or plane ticket in years. Travel for work and they allow me to pay up front on my Chase Saphire Reserve and then get reimbursed.
Graham, your mental and financial advice has been inspiring me more than ever before. Even though you dont do a lot of self help videos, something about my new financial mindset has really helped me come out of my shell and be the person I want to be. I just want to say thank you and I will continue to watch your videos and apply your advice. Big time fan Graham ❤
Me: clicks on RUclips video to learn how to use my credit cards better Also Me: sees cat first ten seconds and instantly scrolls through comments to find cute names
My work let's us use our personal credit for travel expenses and they pay us back in a week. Great for this system. We also get the hotel rewards points too.
@@kenyagrant1009 This is what most companies do for their sales people. At my company, what ever the sales person is paid back goes against their commission at the end of the year but if this is going to happen anyway then I hope all the sales people are getting credit card rewards for it. The main reason they are paid back rather than having the company credit card to pay for it directly is so their purchases can be approved after the trip but before they are paid back (no chance of having to catch bad spending after the fact and taking that loss). It incentivizes sales people to keep a good trail of all expenses and use it responsibly so they can get paid back.
After receiving your bonuses, downgrading cards with an annual fee to a zero fee card with the same provider might also be a good option for those looking to develop a history with that provider, (especially if it’s Chase, & they’re close to 5/24). Loved that you mentioned 2 of the coolest credit masters here on RUclips; they totally deserve the shout outs. As for a Kitten Name suggestion: perhaps, “Ming the Merciless” from Flash Gordon...only because “Panthro” from Thundercats might be a bit too expected.
I know it’s late right now, but I’m watching you on jubilee, and man I’m so glad I found your channel months ago, you’re sincere asf and give out such useful information, cheers mate, much love
Wow, I was just searching online for credit card or banking promotions today and wished that there was a video on this. What perfect timing! Thank you Graham. Please keep up the great work! Love from Canada 🇨🇦
Boom bro right on with the credit score... I raised mine from 530 to 770 in 1.5 yrs... By doing exactly what you said.. Pay it back in full at end of month... You know, spend what you actually have lol... Ju da man bro tx for all ur gr8 tips 😁
Thanks Graham for everything you do. The best way of asking for likes on RUclips. Always funny and non-forced. Also, super authentic and never trying to push affiliate links.
Man, I gotta say, I'd rather use your referral link than an ordinary link. You are providing the service of this video, and using one link or another makes no difference for me. Financially literate people will applaud you
Hi Graham, great video, as usual. Did you know that putting your business expenses on your personal credit card means comingleing unless you you doing that rarely and your business reimburses you for every purchase. This is very important if someone sues the business, they can come after all your properties even if they are titled on separate LLCs or Series LLC.
@@josejoaquingonzales3026 and that's why don't go in debt. Pay ur CC in full before the closing period don't spend money you don't have. That way you won't get charge interest. It's about being responsible not dumb.
Alex Re debt is dumb. By definition you’re spending money you don’t have when using a credit card. The responsible thing to do is simply pay cash for the item and own it. Same goes for car payments, etc
@@josejoaquingonzales3026 did you read my comment? It seems like you didnt. Yes debt is dumb, but building credit it's also good. I went a long time paying cash for everything. But without credit you can't get things, or get charge ridiculous amounts. Ur point is like saying drinking alcohol is dumb, so just don't do it. Witch it can be, if Ur not responsible . But social drinking is not bad, as long as you don't drive while drunk and do stupid stuff. Same with credit, just because you have a credit line of 2,000 doesn't mean you should use it all on random stuff. Be smart and use the system to Ur advantage. Credit is good but debt is bad, so be smart when using it.
I love your content and mindset on money. I think its amazing how you strive to spread financial knowledge to everyone who's looking for growth opportunities. Btw, you're also extremely cute! 😘
Hey dude I just wanted you to know that everything you do is necessary and thank you so much for what you do. Its more than just a recovery service, youre helping people. Youre actually the push for me to get my degree in Information Technology so that
I absolutely LOVE this video and the breakdown that youve provided that not many of us has had the privilege of learning early on . Im currently with a low score because of misuse of credit cards . And as hard as try, I cannot seem to understand credit
Congratulations on the cat. You're a good man for taking in a homeless animal. I took in a homeless cat as well and let me tell you it's much better to have a house cat than a housewife, LOL!
![Ultimate Beginner's Guide to Credit Card Points in 2024 [Updated]](http://i.ytimg.com/vi/qu47ulGpHDo/mqdefault.jpg)
![Ultimate Beginner's Guide to Credit Card Points in 2024 [Updated]](/img/tr.png)
I did this for years and it does work. I traveled for free for basically as long as I wanted to. It is kind of a full time job keeping track of your cards and which one you should use and which ones you've already used. My problem now is I don't spend money anymore. I'm financially independent, have no debt, and very few bills. I wouldn't have 3,000 worth of expenses to put on a card now so this doesn't work for me. I think it's far easier to just pay for your plane ticket when you want to go somewhere than work this racket. But I'm old now and just want things simple.
Nice!
VERY well done ! I say this with 40+ years in mortgage finance & banking working with credit bureaus. Different models and parameters are used by different industries but *Linux tech corps* info is pretty much universal. If you're trying to max your credit scores, there is a happy medium between too many credit cards and none. Too many cards with zero balnce may actually hurt you in some cases. Even if you do not use them, you have a potential. To always pay cash & still have cards doesn't help your scores as well
What do you recommend? A few dollars on each carried over? What’s too many cards?
@@garyCauseronly accept advise from a financial adviser :)
I applied for the Gold Amex card w/50k offer and got approved. Thank you so much Graham. You are a legend.
can I ask what your credit score is? mine is 668 and i dont want to take a credit hit, I'm worried ill get denied.
@@anthonyclarke9158I know this comment is old, but I’d suggest credit karma to check. It’s free to see and they estimate your likelihood of approval based on your score :)
I watch Doug for Vehicle break down and your channel for finance breakdown and these days for background when cleaning or eating. Fire material thankyou!
After about 5 try’s I finally got accepted for my first credit card! I’m gonna rewatch all your videos and try to come up with a strategy or plan to be able to get a high credit score quickly! Thanks Graham. 😊👍
CONGRATS!!
Me and my husband did this. We opened 2 travel cards before our wedding and put all our wedding expenses (money we were gonna spend anyway) on them and got the bonus and of course paid it off every month. Because of that we got our anniversary trip free.
You both opened together the same kind of card?
I love you for being straight up honest. There are other youtubers who are only trying to make profit and make up lies to get views, but you are very real on the things you say. Keep it up man, very inspired by you!
We miss the old Graham...
I love that “educational purposes only” disclaimer. Thanks for the shout out.
You got it man!!
@Graham Stephan you guys got a little finance friendship
@@sambutton5567 frinanship
Graham Stephan credit shifu and graham Stephen collab video!!! Legoooo
Hey! The Credit Shifu, was here..
credit card companies HATE him
Weiyu He LOOOL
Weiyu He lolzzzz
LMAOOOOOO
🤣🤣
LOL
Name the cat Avocado lmao
:P
@@GrahamStephan dude that's actually pretty fitting
@@GrahamStephan Please dont.
name it ---- churn
name it ---- model 1 (for your latest car)
name it ---- cash
name it ---- duplex (for double)
name it ---- free
name it ---- smash
name it ---- algo (algo gato)
name it ---- proppie (for property)
name it ---- expense (spense)
name it ---- fico
name it ---- channel
....
avacado lmao is a cool name
Hey Graham, signed up for Amazon Prime Rewards card after your cash back credit card video. Just got my first statement and got $95.75 cash back. Thank you! Pretty sure I owe you a round of avocado toast now.
At least with Amazon, I believe you get up to 5% back on purchases? What bothers me with many of these travel card is when the only thing that's attractive is the sign up bonus. When signing up for a card, I prefer to keep it for at least 2 years. I often find that a lot of these travel cards after the bonus isn't worth it. If I have to pay an annual fee, and I'm lucky if I only spend 15,000 a year, that's like a 150 dollars worth of points. But if the annual fee is a 100 dollars, I really only made $50.00. I find that many of these travel reward cards are best if you fly or stay at hotels frequently. A secret that I found over the years, is that if you have some friends that live across the country, try to see if you could stay at their place first. Then at least you're saving yourself a lot of money which is often greater in value than what you receive in reward points anyways.
The cards with percentage rewards only aren't that great. The amazon one for example is the most you can get back at 5% and that's only on amazon related things...so if you spend $1000 on there it'll net you $50 in savings...$2k for $100 in savings...but then you have cards like the chase southwest card where after $1000 in spend you earn 40k points which is equivalent to at least $400 with the annual fee waived the first year. So the bonus is going to pay back much faster than any percentage based card like amazon. My bonus cards have saved me around $6-7k in traveling and I have a lot more points set to go for other trips. I'd never save that much with percentage only cards like amazon or discover it or something similar.
@@Determination212 Yes if you have a Prime membership you get 5% back on purchases or if you don't have the membership, it is 2% back. Also, 2% back at restaurants, gas stations, and drugstores. Then 1% for any other purchases. No annual fee. My first month had a good cash back amount because I bought my new laptop through Amazon (I was going to buy a new one anyway because the pixels in my screen were dying and it was getting super slow). I fly like once or maybe twice a year, I shop at Amazon every week!
So the issue with Amazon is that its a cashback card. People will choose a Sapphire card with an annual fee because of the sign up bonus but also because its worth. Youll earn 2x on travel and restaurants with the Sapphire Prefered, but the biggest catch is the redemption. Yeah on face value its worth 2%, but the better perk is when you redeem those points to travel partners, if you book a great redemption, many people get 6x or even 10x the value on certain redemptions. Spent $100 at a restaurant? Sure $2 in cashback is nice, but if you can earn 200 points instead and those 200points then get spend on a travel partner and booked on a flight that earns 6-10x, all of a sudden that same $2 is worth $6-$10 but on a larger scale (because these flights cost 60k+ in points). I for example have 400k in UR. Thats 4k in cashback. Sounds amazing on surface, but that same amount of points can can get be insane redemption values that are worth easily 20k
$95 CB for $1900 of purchase in a month ? Not including whatever sigh up cashback you got?
I got my first credit card in the mail today. Thanks to being a part of my dads account as an additional card member, I have an insane limit. I can’t wait to pay for some memberships to things like Apple Music and Spotify like I usually would and then just pay it off with my debit card to build credit. I’ve coincidentally been binging your videos the last few days and I’m happy I did because I have a better understanding of credit cards now. Thanks.
PS sorry for the long comment.
*Churn those points!*
always!
Advanced credit card churning class: You basically have your broke college friends with no Amazon prime account send you things they want from Amazon. Then you use your Prime account and new credit card to make the purchase and have your friend venmo you the money. They get the stuff the next day, you get your points, venmo doesn't charge in between. Everyone wins.
I agree with you graham. I got a AMEX platinum (free for active military) and I spent the minimum requirement for my daily expenses. I even helped my relatives to buy stuff so I can hit my goal since I don't spend a lot. I just don't understand how and why some people don't know how they can't make it. That is always strategy etc. to meet the requirement. Just wait till you need to buy big purchase and get this card and you are golden
Thanks man you really helped me out I’m 19 years old and I’m about to get my first secured credit card to start my credit and you thought me a lot that I didn’t know and was trying to figure out 🤙🏽👌🏽💯
Man the credit card options aren't so awesome in New Zealand! Loved the video though as per usual though Graham :))
Graham your RUclips is blowing up! I've seen over 5k increase in subscribers this week alone
Can’t believe it!!
Graham is so dedicated to credit card churning i seen you in the Jubilee video great man your on the way to the top
haha thanks!!
I’m doing my part for the RUclips algorithm. Are you doing yours?
Thanks!!
Correct me if I'm wrong. But annual fees are assessed every year, while sign-up bonuses are only given once. So all this "profit" Graham keeps talking about is only profit for the first year. After that the annual fees will quickly overtake any bonus you got at the beginning. And closing credit cards is less than ideal for the sake of your credit score.
why does this only have 200k views? this is probably the most helpful video on youtube
Because he pays to offset his ratio and his videos are scams
I churned one last year after watching this. I leveraged it to actually get me out of debt, hilariously. I've closed it as more of an organizational thing. I'm going to churn a new one this year to travel.
which one did you go with and how did you do it :)
I got the Chase Sapphire (150,000pts) reserved and preferred (80,000pts), the Chase ink for my business (80,000) and personal (80,000). I used them to pay corp taxes, prepay cellphones, bought a motorcycle, car repairs, and pay rent etc. After the first year, I consolidated the lines of credit to Sapphire card and converted the Ink business card to one with no annual fee.
It was my understanding that you can only receive one sign up bonus every 48 months per Chase CC.
@@JJ-ii7vz Perhaps I got grandfathered in or something. In all honesty, a coworker insisted that I apply for all of these cards since I travel alot. He made a big deal about it as if something was about to change that made that particular moment special. So even though I didn't fully understand the process I did it all within 3 months and ended up with 390,000 points.
Karter that is amazing! I’m new to all of this now and was going off the research I’ve been doing.
I'm impressed by how solid the advice was. The title can sound very click-baity. Great share Graham!
thanks so much!!
Every Country have a different offer / package, even if it's from the same Bank.
So in your case, it only works in US.
Thank you! ☺ I think it is important to be honest about money discussions. Too many people never discuss about money in order to not offend others but no wealth can be built on ignorance.
This works! I got 60,000 miles with American Airlines, for literally 99$. And its real, I have already flown on them!
Thank you so much Graham!
Great video Graham! Your passion keeps me going with my youtube channel!:) Keep it up
You got it!
Wow man I remember watching some of your vids when you were at around 70k subs. Congrats on the growth and continue striving🙌🏼
Ryan Carrizal Shows how consistent Graham is with content quality that all of us who’ve been here since under 90k are still watching
You’ve truly opened my eyes to all of the possibilities I have now, tysm man!
Thank you - you explained this very well and made this easy to understand. I'm just learning about this and it can be overwhelming, but you made it much clearer.
AYYYYY lowkey shout-out to Doug Demuro!! I loved that 😂
:)
lol
Is graham a car guy 🤔
@@ad1ldo he mentioned another car RUclipsr I watch (AutoVlog) in his video showing how much he made from 10 million views so I would imagine so 😂
Graham score 😂
Fantastic video. Thanks for the details and wonderful travel informations. Great work.
Had to like for the Doug demuro shout out 😂
Actually liked for the lesson in financial literacy
:P
Mom: Hey honey, how was your memorial weekend?
Me: Great. Graham taught me how to beat the system by churning credit card companies out of their sign up bonuses
Mom: Oh that's nice dear
Mom: now don't go spend it on some fancy record player
Graham, you're the man! I am in the same boat, haven't paid for a hotel or plane ticket in years. Travel for work and they allow me to pay up front on my Chase Saphire Reserve and then get reimbursed.
Nice!!
Name him Beans. Get him a brother and call him Rice...
Beans and Rice.
Thanks for the shout out! :)
Oreo.....
One of my cat's name is Bean and the other Burrito. Not on purpose either.
Oh my goodness 😆
So cuuuute
Graham, your mental and financial advice has been inspiring me more than ever before. Even though you dont do a lot of self help videos, something about my new financial mindset has really helped me come out of my shell and be the person I want to be. I just want to say thank you and I will continue to watch your videos and apply your advice. Big time fan Graham ❤
Thanks so much!!
Just got approved for the Chase Sapphire Preferred. Cheers to you Graham!
@@kamilsultan1637 I was approved during the 80K promotion. Haven't redeemed it yet - I'm almost at the spend requirement.
Me: clicks on RUclips video to learn how to use my credit cards better
Also Me: sees cat first ten seconds and instantly scrolls through comments to find cute names
omg meeeee
Hahaha same
Casper. Appreciate you saving and keeping the cat. Great bid by the way Graham
My work let's us use our personal credit for travel expenses and they pay us back in a week. Great for this system. We also get the hotel rewards points too.
is that being honest?
@@kenyagrant1009 its ethical, why wouldn't it be?
@@kenyagrant1009 This is what most companies do for their sales people. At my company, what ever the sales person is paid back goes against their commission at the end of the year but if this is going to happen anyway then I hope all the sales people are getting credit card rewards for it. The main reason they are paid back rather than having the company credit card to pay for it directly is so their purchases can be approved after the trip but before they are paid back (no chance of having to catch bad spending after the fact and taking that loss). It incentivizes sales people to keep a good trail of all expenses and use it responsibly so they can get paid back.
This is so good I want to subscribe--and I'm _already_ subscribed
I paused halfway through the video because I'm just dying at Graham Demuro
haha thanks ;)
After receiving your bonuses, downgrading cards with an annual fee to a zero fee card with the same provider might also be a good option for those looking to develop a history with that provider, (especially if it’s Chase, & they’re close to 5/24). Loved that you mentioned 2 of the coolest credit masters here on RUclips; they totally deserve the shout outs. As for a Kitten Name suggestion: perhaps, “Ming the Merciless” from Flash Gordon...only because “Panthro” from Thundercats might be a bit too expected.
This channel is great! You're a great American!
thanks!
Hey graham just found your channel and I’m already a huge fan, keep it up man!
*_Is it possible to manage rental properties purely online?_*
I don't think so - possible, but might be challenging without a good team to call on.
I know it’s late right now, but I’m watching you on jubilee, and man I’m so glad I found your channel months ago, you’re sincere asf and give out such useful information, cheers mate, much love
Thanks so much!!
His name should be bageera!!! The black panther form the jungle book... !!!!
Oreo
How about Benjamin for the cat Graham because we all love Cash.
I like that name!
What about Benji for short?
why not call him Cash
Graham..you're the man! Beyond helpful! Your my financial educator man! Appreciate all your vids!
You're so smart....I think I actually love you 😂🤗🍀
Anathi Mbewu whats your ig
I love the Doug reference 😂 totally caught me off "card"
HAHAHAHHAHAHA me too!! good one!
Always love to hear to what others do with credit cards points.
🙌🏼
Wow, I was just searching online for credit card or banking promotions today and wished that there was a video on this. What perfect timing! Thank you Graham. Please keep up the great work! Love from Canada 🇨🇦
Boom bro right on with the credit score... I raised mine from 530 to 770 in 1.5 yrs... By doing exactly what you said.. Pay it back in full at end of month... You know, spend what you actually have lol... Ju da man bro tx for all ur gr8 tips 😁
Well done!!
Nice touch bringing in the kitten! Now I'm definitely listening 🤩
Kitten names:
1.mallah
2.lock
3.tesla
4.churn
5. Avocado toast
Free realestate
Credit Card Churning
Andrew Barr I like Tesla
1. Danny
2. (See 1)
Number 3
Name your kitten Cracker... Graham, and Cracker...
...okay I’ll leave now, take care.
I said the same thing!!😂
I love you G! Been watching forever but the value on this one is incredible! Subscribed.
Hahaha Holy Hell that was spot on! Doug would be proud!
Thanks Graham for everything you do. The best way of asking for likes on RUclips. Always funny and non-forced. Also, super authentic and never trying to push affiliate links.
Man, I gotta say, I'd rather use your referral link than an ordinary link. You are providing the service of this video, and using one link or another makes no difference for me. Financially literate people will applaud you
Thanks so much!!
Hi Graham, great video, as usual. Did you know that putting your business expenses on your personal credit card means comingleing unless you you doing that rarely and your business reimburses you for every purchase. This is very important if someone sues the business, they can come after all your properties even if they are titled on separate LLCs or Series LLC.
Graham’s next video: What to do with 500 credit cards...
Oreo
Lol
You're a smart young man ! love your channel
thanks!
When you say "free" travel, can this work towards international flights? Can they apply to any airline or only specific ones
credit cards can be your best friend or your biggest enemy you just have to know how to use them ;)
So true. And that thing is that if you are responsible, they will be ur best friend for ever and you get free stuff.
Dejan Mac wrong. Debt keeps you poor
@@josejoaquingonzales3026 and that's why don't go in debt. Pay ur CC in full before the closing period don't spend money you don't have. That way you won't get charge interest. It's about being responsible not dumb.
Alex Re debt is dumb. By definition you’re spending money you don’t have when using a credit card. The responsible thing to do is simply pay cash for the item and own it. Same goes for car payments, etc
@@josejoaquingonzales3026 did you read my comment?
It seems like you didnt.
Yes debt is dumb, but building credit it's also good.
I went a long time paying cash for everything. But without credit you can't get things, or get charge ridiculous amounts. Ur point is like saying drinking alcohol is dumb, so just don't do it. Witch it can be, if Ur not responsible . But social drinking is not bad, as long as you don't drive while drunk and do stupid stuff. Same with credit, just because you have a credit line of 2,000 doesn't mean you should use it all on random stuff. Be smart and use the system to Ur advantage. Credit is good but debt is bad, so be smart when using it.
My two favorite youtubers Doug & Graham.. when you said quirks and features it was like the crossover episode of Jimmy Neutron :)
Thanks!!
I swear this man explain it so much better than any other people
Good stuff, I just started watching Sebby and your stuff and Shifu have kept popping up in my feed. Keep up the good work :)
awesome!!
But see I'm only 14! I really do enjoy your videos though. I've been watching for about an year now.
ah thanks!!! look into getting a co signer and just opening up a small credit card!
S. Menachery ur ahead of the game! Glad ur watching!
I am 16, been watching many of your videos. Enjoy them a lot!
Thanks so much!!
Your the best I’m just speechless how much I’ve learned from you
Graham is definitely the only RUclipsr who gets me to consistently "smash the like button"
Nobody can do doug perfectly. Youre right!
I'd try to come up with a good comment but this section is way too competitive 😂🤷♂️
I'd try to come up with a good reply, but i'm out of ideas
I love your content and mindset on money. I think its amazing how you strive to spread financial knowledge to everyone who's looking for growth opportunities. Btw, you're also extremely cute! 😘
Thanks!!
discipline is definitely a necessity to make this works.
It's a necessity to every millionaire. At least, us self-made folks.
I'd name him Swipe since you talk about credit cards.
Swiper no swiping!!!
Uleesis Parayno 😂
Chip is a more secure name
@@datashja5747 🤣🤣🤣
Uleesis Parayno swipe the swiper😂💀
Hey Graham can you do a update video on these type of “travel free” credit cards pls hope you see this thanks.
Hey dude I just wanted you to know that everything you do is necessary and thank you so much for what you do. Its more than just a recovery service, youre helping people. Youre actually the push for me to get my degree in Information Technology so that
Cat Name "Avacatto!" :-) 👍👍👍
ha!
This has to be the name
This is perfect!
We have a new kitten! You should totally include him/her into your videos. Name him... Mortage and call him Morty for short Hahaha
Heard a person talk about this at work. Thanks Graham!!1!1
Also another question, Does Credit card churning have any negative impact on your credit score?
Mild, I address it in the video!
@@GrahamStephan Oh whoops I missed that. Watching this at work LOL
Do you have a video on what are good entry level credit cards(first credit card) with these kind perks you could point me to?
Thank you for recommending Nerd Wallet! I used it right after watching your video and it was very helpful in helping me choose a credit card.
Name your kitten Avocado!! It's on brand for you lol and it's also the name of the cat on the show Final Space.
:p
Mr. Sharp but...... if he says avocado toast then the kitten dies
@@texasowl5356 he'll just have to change it to Avocado's toast, and feed his kitten toast
Graham, when house tour ?
Idk but I would name cat Avocado
Wanted to see this for a looooong time
Thanks Graham! Always love your videos :)
Graham, amazing but what about for us Europeans?Which cards for people living in France/Belgium?
None we dont get these perks because we don't pay 20% intrest. I think by law 10% is the top
Yeah but 10% is still very very profitable for those credit card companies..
@@zz.158 Not when most people don't have dept
😍He’s precious!!!
I’d name him Sushi
:)
I absolutely LOVE this video and the breakdown that youve provided that not many of us has had the privilege of learning early on . Im currently with a low score because of misuse of credit cards . And as hard as try, I cannot seem to understand credit
I don't know the name of your cat yet but I'm hoping that you named him Oreo... for obvious reasons lol
Congratulations on the cat. You're a good man for taking in a homeless animal. I took in a homeless cat as well and let me tell you it's much better to have a house cat than a housewife, LOL!
ah thanks haha
Banger!
This man went into his indiana jones room to tell us about travelin💪😭👍
Thanks🙏to everyone who posted cardmanager01cc on telegram,he’s very fast and reliable legitimate vendor💯💯I got my card 💳
I don't know if the cat is named yet but penny would be a fitting name for your cat lol