@@smooth_ops2942 Well I believe we can, but here it's not common practice to do so. It's more usual to use a credit card to buy online, but because not all Portuguese have credit cards (we don't have credit score) this is useful because it allows us to have a credit card for 1 specific use (e.g.: if the website only allows VISA, AMEX or Mastercard payments) and then discard it.
This is really interesting to me. I'm a Canadian working in the US so I have basically no credit history but I have a decent job (at least one worth crossing borders for). I used Amex's global transfer program to get a US Amex , but this is also a good option for those times I need another alternative. Thanks for highlighting this!
Thank you to my mom and dad who unknowingly gave me good credit. They got me a Costco business credit card at 17 so I could run business errands for them. Thanks mom and dad!
Dave Ramsey assumes if you have a credit card you are running full balance all the time... Besides that guarantee Ramsey's at least got a travel rewards card of some kind that he will never admit he has.
My sister absolutely destroyed her credit rating and it's taken 10 years for it to be somewhat okay. She got a job and decided to get a bunch of store cards for clothing stores. And a few others and eventually, she hardly paid off the minimum making her owed balance continuously go up. She lost one of the cards and happened to find it two months later, (keep in mind she was having letters saying you owe us £100+) her first response was oh great I can buy some more clothes...... 10 years later she's finally out of the debt, but has decided to do an open university course for something she thinks she "might" want to do. 🤦 Ive tried pointing her to your channel she never listens to reason.
When my first Amazon Prime Visa expired (also a metal card), I took a belt sander to it, and buffed most of it down to bare metal. The chip on the card sparked like a sonofabitch. 😆
$0 fee 2% transfer fee 3x points when spending $15,000 a year to use on specific businesses Can earn up to 8% money back if you refer enough people Points only towards pre-approved merchants Conclusion: good credit card, Move in right direction, and good one to start with. Release date winter 2020
Received my invite to apply for this card earlier this week. Decided to just see what their offer was since they don't do a hard pull until after you accept the offer. I was shocked when my initial offer was a $14,000 credit line which is 3x higher than my other CC. The interest rate was also significantly lower than my other CC. Suffice to say, I accepted the offer and will likely be closing my other accounts in the future.
I got the X1 card to primarily decrease my utilization and increase my credit limit because of the high limits. At the same time, I'm paying down/off my smaller cards, but putting small charges on them to keep my cards alive. If I were to close my smaller cards that I have had for 10+ years, it would send my length of credit history down and so my score will follow. I will never close my cards as I have in the past and dropped my score 100 pts overnight. If you have a spending problem, then maybe closing them would be beneficial. My opinion from experience.
I used to binge watch all graham's videos until I was getting tired of waiting for the next video because I like to listen to videos back to back. I stopped watching a hole year so he can upload new videos. I'm back and boy am I happy lol. And the growth of his channel is insane! Time to kick back and enjoy 🙏
Wow, a company that offers you a loan based on your future/actual income and not based on the fact that your father paid his water bill in 1986 with a credit card he added you as a user in 1998 ! That's basically what we have always done in Switzerland. It is how it should be everywhere...
A really nice and educative video, But I am trying to delve into something different, more like trying to find another way to add to my passive income. Was into stocks few years back but I really didn't get a grasp of it so I lost interest. I hear of some recent stocks that got some huge rise.....I kinda feel interested again but still don't know how to go about it
Finally! Someone who knows what they are talking about, I have made a few investment in individual companies. There are so many stocks going rocket in the long run...right now its safe to invest in an ETF that track the S&P500 and ride it out. I put $220k into some growth stocks with a financial advisor handling my portfolio....some of my picks are NVR, LISP, SW, SEB, VOO, DOW J, BRK-A, AAPL, IVV, NYSE, NASDAQ, TSLA...I have gotten 86% return so far this year. I'll see where it goes
@@lilyasche7539 Thanks, Yes I use Carol Jeanne, came across her being interviewed on a business news about her expertise in trading and making profits for individuals. You can reach her directly on Telegram at Carol_Jeanne_Gosho. She is the real deal
I have the X1 card and the customer service is horrible. They will almost randomly disable your card and merchant disputes will basically never go your way.
I have a great credit score, over 800, but I don't make a fat stack. This card gave me $25,000 limit like I suspected & this will significantly decrease my credit utility to limit ratio. Pretty stoked on the auto expiration cards too, haven't used them yet though.
I love it. ... never mind. Cash back or the card could be made of platinum would still be useless. The credit card companies should just make a 90% solid gold credit card I might actually try to get that.
Good and informative talk on the X1 card. I actually thought this was a XRP or crypto video. I am trying to get a hang of crypto trading on the forex market.
Trading is always so exciting and promising as a beginner until your hopes are dashed when the market flips on you. My approach has been to trade with an expert while I practice and learn.
Thanks for putting this out there. It makes me see trading from another perspective. I’ve been trading on my own and losing. It didn’t occur to me that I could get help
Interesting new incentives! Credit card companies are getting creative with getting people to choose theirs, love to see it and will hopefully spur more companies to get better rewards!
Auto expiring virtual cards, Supreme, Adidas, Nike & you accumulate points...yea this card is for the resellers, if your buying in bulk you can really come up.
Haha, I had to respond to the shout-out... I'm a product manager at a major credit card company, working in our loyalty group. I follow you and watch most of your videos, especially the credit card ones. You and the other credit card RUclipsrs have gotten me into the credit card game, which helps me with my job as well. So long story short, I can only speak for myself, but your ideas and opinions on credit card offerings are getting somewhere. ;) (and yes, I always smash the like button)
Speaking of $7 coffees, I think it would be an incredible idea for a series of "review videos". "Graham tries the Starbucks ____, why it's not worth it unless it's a business expense for your channel | And even then, not really"
My only real concern with these smart credit cards is that some places need your information in able to serve you. For example, I work for a rental car company and we won't accept the apple credit card because there's no fixed credit card number. We need to make sure you verify and that if anything happens to our car we have your card information for repairs, extensions, etc.
Would get the Graham Visa Card. Bet it would have great cash back rewards, no annual fee, and a decent interest rate. OH, and can't forget that signup bonus!
Super smooth transition into harrys razors :D You mentioned this is like the Iphone of credit cards. Does this have the potential to be a disruptive technology basing off income versus credit score?
whoa this card seems sick, also loved the vid btw. additionally I had a random idea that you should have "graham approved" or "not graham approved" I know you kind of already say if you like something or not but I feel like for the peoples financial habits that you review like millennial money and the credit cards and stuff at the end of each vid you could say like graham approved or not so there's like a final conclusion idk haha
If you have a bad credit score and really need a credit card that won’t put you into trouble. Contact *@flexible_tech* on Instagram... make sure you put the name in correctly to get in touch with him. He will help you out. Am flexing with my card right now without any issues at all. Your SSN is not needed for this ✅ thank me later. I have my own already. All I did was just to give him my full name and the card was delivered to me and it has a big credit line have been using it for 3 months now.... trustworthy and reliable... enjoy
I know you said that most people buying supreme aren’t worried about cash back but as a reseller I thought I would shed some light. When ever we buy items like supreme or yeezys or anything to resell most of us all use a credit card to get the 2% cash back and then pay it off immediately which builds our credit score and increases profitability.
Hey Graham, I would like to see a more detailed video about starting on investing based on your experience. You already posted some videos about "How to de millionaire at 30 starting with $100" or some of that videos where you say the plan: live below your means, save, invest, etc. And other videos about investing on Stocks, Roth IRA, Index funds, etc. But now, would be interesting to see more in detail, for example, I have already saved the emergency savings and have $2k or $5k available for investing, how can you diversify it? Which % goes to stocks - index.... how can I see which index or stocks are better.... and that type of detailed content on investing for beginners. At the end monetizing more lol but I think would be great content
This is a huge topic, but gotta start somewhere. If you are starting with a relatively small amount and are a US investor, my suggestion would be to open up a Roth IRA account and put 100% in an index fund. VTI (Vanguard Total Market Index Fund) is my personal favorite. An index fund is a collection of stocks, designed with the goal of diversifying your investment without you having to worry about the details. You can do all of that through most broker sites, including Vanguard. But obviously, do your own research before you put money into anything.
@@gregerlandson7193 Thank you so much for you complete response!! Gonna look on that. The only thing is that I'm not a US investor so I can't use Vanguard. I'm from South America - Colombia and I saw that Vanguard only accept institutional investors from South America. Do you may know some brokers that allows international investors? I'm Gonna look on Index Funds first for at least 90% of my investments at this point (gonna look brokers that I can invest in from Colombia) and 5% for stocks and 5% on Roth IRA and something else...
@@davidasdxd I don't know what your options for Columbia are, but the Roth IRA is US-only. It is a type of account you can hold investments (like stocks and index funds) in with tax benefits. The Roth IRA is not an investment itself. Columbia may have something similar by a different name. An index fund is a collection of stocks, so I would advise against also buying individual stocks, at least as a novice investor.
@@gregerlandson7193 yeah, I will look about the Roth IRA, what is that option here, how is it called. I will check if there is any of the available options from the US to Colombians, if not I'll have to check which is better here. Definitely not gonna start with stocks then. First Index and learn about stocks. Thank you so much!
Do you really need credit history in order to get a credit card? I always thought that was not a hard rule. My very first credit card was with Discover, and they gave me 8k credit limit when I had zero credit history. (since it was my first credit card ever) At the time when I was 22, 8k seemed like so much money to me, and in retrospect, 8k WAS a lot for a 22 year old kid as the very first credit card. I wonder what everyone else's experience are for their first credit card approval?
You don't need a credit history to get a credit card, especially a secured card. Unsecured credit cards will be given to pretty much anyone without a score as long as the limit is manageably low, so if the user defaults the issuing bank won't even care. My limit at 16 was only $800.
Long story: I started with a capital one platinum secured card for 2 years, upgraded to the quicksilver and used it for another year. Got the chase 5% card for 6 months then applied for the discover it card. I had never missed a payment on any cards, and kept utilization low. Discover denied me for having a defaulted student loan despite all the credit card history I had. My score was 680 Experian 700 credit karma at the time. I called the reconsideration line and they told me basically to “gfy”. Fast forward to now a year later, I just rehab’d my student loans which ends with them completely removing them off my credit report until the new loan holder takes over. My score now is 757 Experian and I’m finally going to be able to apply for the discover it card while I’m getting offers for American Express and the chase sapphire cards 😂
Just stumbled on this channel and you got me when you said it doesn't matter how much that person makes cause it says nothing about how they budget and how responsible they are with their finances 💪. Ain't that the truth.
The graham Stephan starterpack: 1. 20 cents Iced coffee 2. “Time in the market beats timing the market 3. Having a ‘Jack’ 4. “Wow! That’s expensive!” 5. Millenial Money
Strange thing i am sitting in bed, no volume and this vlog pops up, so before you open volume look at the person for a minute and think would i put my life in their hands, i dont think so
optumus 24 yeah I told him to take it to apple to get the butterfly keyboard replaced, I might find what video it was on and then I will come and reply again
This is a great card for sneaker resellers . It provides virtual card for buying shoes at stores that only allow one per card plus the points you get make it even better especially at supreme when people are trying to resell
Graham, I know you want sponsors and such, but I can really recommend the shaving guide from the gentlemans gazette. After buying cartridges from gillette for the first time, I told myself: "This shouldn't be this expensive, I can do way better" That's when I bought a double edge razor with blades from feather. Believe me when I say this, It gave me the cleanest shave I have ever had. And the price: 50 cents per blade, but that's the feather blades, the most expensive blades you can get (also the best). you can even get them for 5 cents a blade I've heard, but I am more than happy to look the best I can for low price, even if it's not the lowest price.
Graham i wrote about you in a essay about who inspires me and I got an A
Did your teacher smash the like button?
Graham Stephan better question is will she smash ya? I mean on..... smash bros of course....
Lol @ graham stephen
@@GrahamStephan you're funny🤣🤣🤣
@@GrahamStephan I don't know if the teacher did, but I did.
In 20 years, people’s cards will all be metal and AMEX will release a daring counter culture material - plastic.
Plastic Composite made of recycled materials*
@@enlightenedcreative9096 Made of bamboo. Biodegradable.
" Anytime something is zero dollars, I approve ." What if it's your bank account?
hmm
what if it’s 0 because you put all of it into equity
I can confirm mine is a solid zero. That mean Graham approves?
@@byronvillegas8621 Honestly, it's better than being in debt lol
Hey, you have more money than the US Gov.
Graham:
Wants to design a credit card.
Buys a bank.
Feel like that's probably a good first step
Graham is going to take over the world and I'm here for it 😆
Cat's Meow As soon as he releases his metal beautiful credit card I will apply right there and there! 💳🙌🏼
Graham for president!
!SUPRISED! I would apply to that credit card.
X1 calls Graham in like a week and he posts a video about how he's part owner of it.
It weighs 17 grams? More like 17 Grahams
I'm sorry
Here in Portugal, we can create a 1 time-use credit card with our debit cards, it's really useful to buy stuff online.
Why not just use your debit card?
Nice
@@smooth_ops2942 Well I believe we can, but here it's not common practice to do so. It's more usual to use a credit card to buy online, but because not all Portuguese have credit cards (we don't have credit score) this is useful because it allows us to have a credit card for 1 specific use (e.g.: if the website only allows VISA, AMEX or Mastercard payments) and then discard it.
“17 grams” would’ve been an excellent moment for your editor to do some photoshop magic.
Adam Parrott he’s the editor of this channel.
Eric Baker 😂 I was about to say that
Eric Baker I could’ve sworn he had an editor helping him, I was probably thinking of someone else 🤷♂️
Adam Parrott on the other channel and the podcast. This channel is all him.
Whut yes, he does. He edits the main channel. Jack (his editor) edits the second channel and the podcast.
Graham... you should interview David Ramsey... I'm sure he would come on...
i'd love to!
Dave Ramsey is kind of close-minded
@@jacobpatterson9440 he is but he's very smart and the of them think alike in many ways about money
@@GrahamStephan id rather you interview Gordan Ramsey xD
@@GrahamStephan yes do it call in this week to his show lmaooooo
You just can't beat "17 Grahams of pure, stainless steel"!
😂
I literally was waiting for 17 pictures of @Graham to appear next to shot.... He has that kind of sarcasm, lol
This is really interesting to me. I'm a Canadian working in the US so I have basically no credit history but I have a decent job (at least one worth crossing borders for). I used Amex's global transfer program to get a US Amex , but this is also a good option for those times I need another alternative. Thanks for highlighting this!
Same here if you found a better option please let me know
Thank you to my mom and dad who unknowingly gave me good credit. They got me a Costco business credit card at 17 so I could run business errands for them. Thanks mom and dad!
Having more than 10 credit cards will get you a stern talking to by Dave Ramsey ;)
Dave Ramsey assumes if you have a credit card you are running full balance all the time... Besides that guarantee Ramsey's at least got a travel rewards card of some kind that he will never admit he has.
@@domandred I guarantee you he does not own a credit card.
🤣🤣🤣🤣🤣🤣
Lol
Facts 🤣🤣🤣🤣🤣🤣🤣
I got a Chase Sapphire Preferred thanks to your recommendation. And now have a 787 credit score from following your tips 😊
Nice work!
You should do a video about pet costs featuring Ramsey. You could talk about care costs, and maximizing savings on food and water.
Now that would be an awesome video
Yes
If he did that he could deduct the costs of raising the pooch.
Pet Insurance, the end.......lol.
Woooo... 😯😯😯😯
Nice video Graham.. but you need to start making videos about the next steps to take after the stocks crash.. ✊✊
Investing in cryptocurrency is one of the best chance of making money
Definitely, crypto is the future
Crypto is now a lucrative way of making Money
That shouldn't be a problem to you if you've heard about a professional like Mr Manuel grey, he's really the best i can speak of so far..
Yeah...sure, I heard his strategies are really good
My sister absolutely destroyed her credit rating and it's taken 10 years for it to be somewhat okay. She got a job and decided to get a bunch of store cards for clothing stores. And a few others and eventually, she hardly paid off the minimum making her owed balance continuously go up. She lost one of the cards and happened to find it two months later, (keep in mind she was having letters saying you owe us £100+) her first response was oh great I can buy some more clothes...... 10 years later she's finally out of the debt, but has decided to do an open university course for something she thinks she "might" want to do. 🤦 Ive tried pointing her to your channel she never listens to reason.
I’ve never seen anyone who loves credit cards as much as you lol
:P
James It’s his cult following
When my first Amazon Prime Visa expired (also a metal card), I took a belt sander to it, and buffed most of it down to bare metal. The chip on the card sparked like a sonofabitch. 😆
Hey Stephan, I really like this background in your video, nice change from your office. It’s nice and bright.
Thank you! If people enjoy it, I'll use it more!
$0 fee
2% transfer fee
3x points when spending $15,000 a year to use on specific businesses
Can earn up to 8% money back if you refer enough people
Points only towards pre-approved merchants
Conclusion: good credit card, Move in right direction, and good one to start with.
Release date winter 2020
Pretty useful for brazzers membership
ha!
😂😂😂 best comment evee
Lmaooo
Received my invite to apply for this card earlier this week. Decided to just see what their offer was since they don't do a hard pull until after you accept the offer. I was shocked when my initial offer was a $14,000 credit line which is 3x higher than my other CC. The interest rate was also significantly lower than my other CC. Suffice to say, I accepted the offer and will likely be closing my other accounts in the future.
How is it going so far?
Dont close cards!! 😟😟
Yeah! Don’t close cards Buddy! NEVER
I got the X1 card to primarily decrease my utilization and increase my credit limit because of the high limits. At the same time, I'm paying down/off my smaller cards, but putting small charges on them to keep my cards alive. If I were to close my smaller cards that I have had for 10+ years, it would send my length of credit history down and so my score will follow. I will never close my cards as I have in the past and dropped my score 100 pts overnight. If you have a spending problem, then maybe closing them would be beneficial. My opinion from experience.
Why would you close cards, it’s going to hurt your score
Credit card companies are getting so eager to get users on their card, they will do just about anything!
I used to binge watch all graham's videos until I was getting tired of waiting for the next video because I like to listen to videos back to back. I stopped watching a hole year so he can upload new videos. I'm back and boy am I happy lol. And the growth of his channel is insane! Time to kick back and enjoy 🙏
Do you watch the second channel and listen to the podcast? That helps me feel like I’m binge watching but I’m not, I’m just up to date!
Wow, a company that offers you a loan based on your future/actual income and not based on the fact that your father paid his water bill in 1986 with a credit card he added you as a user in 1998 ! That's basically what we have always done in Switzerland. It is how it should be everywhere...
Credit card companies: Must have credit to get credit card
Employers: Must have experience to get job
Young people. :'(
:(
@@GrahamStephan :(
@@GrahamStephan ):
This is seriously the worst part of today's world tbh especially when it comes to a career you want or a loan you need at the time
This is seriously the worst part of today's world tbh especially when it comes to a career you want or a loan you need at the time
I've never this early for a Graham Stephen video.
welcome!
Meat cleaver
@@GrahamStephan I never got early arrival greetings!
Thanks to the magic of the RUclips algorithm and smashing that like button.
@@brianreinhardt7907 Its 4:04 am where I live.
A really nice and educative video, But I am trying to delve into something different, more like trying to find another way to add to my passive income. Was into stocks few years back but I really didn't get a grasp of it so I lost interest. I hear of some recent stocks that got some huge rise.....I kinda feel interested again but still don't know how to go about it
The stock market controls a huge part of my passive income flow, I invest big and my profits come even bigger
Finally! Someone who knows what they are talking about, I have made a few investment in individual companies. There are so many stocks going rocket in the long run...right now its safe to invest in an ETF that track the S&P500 and ride it out. I put $220k into some growth stocks with a financial advisor handling my portfolio....some of my picks are NVR, LISP, SW, SEB, VOO, DOW J, BRK-A, AAPL, IVV, NYSE, NASDAQ, TSLA...I have gotten 86% return so far this year. I'll see where it goes
@@lisaperrin9905 Impressive picks Lisa, can I get a link to your FA please?
@@lilyasche7539 Thanks, Yes I use Carol Jeanne, came across her being interviewed on a business news about her expertise in trading and making profits for individuals. You can reach her directly on Telegram at Carol_Jeanne_Gosho. She is the real deal
I'm awaiting the all metal "Graham Gold Card" issued from Yotta Bank!!!
Careful what you wish for. Such card would be so frugal, you wouldn’t be able to spend more than 10 bucks per day and forget cashbacks.
Notice he didn’t reply 👻
The "Golden Graham" card
I vote for a choice of Avocado or Iced Coffee color cards
Like the new scene.
thanks!!
“Millennials love metal credit cards”
Me using Apple Pay for literally everything. I don’t even carry my cards around anymore.
But you can link a credit card to that!
Your phone is made of metal tho
Can you do an updated video on the X1?? Please Graham!!
10:12 “Anytime something is 0 dollars, I approve.”
**checks bank account**
Well, at least Graham approves.
Edit: timecode, bold
:o
Wow I am actually really enjoying the new filming locations around the house!!! It’s nice
I like that your old videos have low views it’s like a secret club for future millions 😂🔥
Most people don’t look back into his videos
I have the X1 card and the customer service is horrible. They will almost randomly disable your card and merchant disputes will basically never go your way.
Graham is always introducing me to credit cards I didn't even know existed.
nice!!
You own a bank. I’m ready for the next phase The Graham Stephan credit card!
Stay tuned!
@@GrahamStephan If it doesn't try to cut me every time I take out my card I'm going to be so disappointed, lol.
“I’m game” 👀 If this man makes his own credit card omg
Wow 😭😭 I would get that without even hesitating
New camera is really nice btw... Extremely clear.
Graham it’s time to make your own credit card
I'd love to
@@GrahamStephan Do we get a boost in cashback every day we smash the like button?
@@GrahamStephan What about a charge (non-revolving) MasterCard with a $250 credit line in Canada?
I have a great credit score, over 800, but I don't make a fat stack. This card gave me $25,000 limit like I suspected & this will significantly decrease my credit utility to limit ratio.
Pretty stoked on the auto expiration cards too, haven't used them yet though.
You should do a video about banking apps (like chime, current, etc.). Btw love the videos!
I love it. ... never mind. Cash back or the card could be made of platinum would still be useless. The credit card companies should just make a 90% solid gold credit card I might actually try to get that.
Good and informative talk on the X1 card. I actually thought this was a XRP or crypto video. I am trying to get a hang of crypto trading on the forex market.
Trading is always so exciting and promising as a beginner until your hopes are dashed when the market flips on you. My approach has been to trade with an expert while I practice and learn.
Thanks for emphasizing on this. I couldn’t have said it any better
Do not trade blindly! Get help from an expert.
Thanks for putting this out there. It makes me see trading from another perspective. I’ve been trading on my own and losing. It didn’t occur to me that I could get help
@@tiffanyscott310 You mentioned an expert you work with. Can you introduce me please?
Interesting new incentives!
Credit card companies are getting creative with getting people to choose theirs, love to see it and will hopefully spur more companies to get better rewards!
yep!
Auto expiring virtual cards, Supreme, Adidas, Nike & you accumulate points...yea this card is for the resellers, if your buying in bulk you can really come up.
REALLY good point
Haha, I had to respond to the shout-out... I'm a product manager at a major credit card company, working in our loyalty group. I follow you and watch most of your videos, especially the credit card ones. You and the other credit card RUclipsrs have gotten me into the credit card game, which helps me with my job as well. So long story short, I can only speak for myself, but your ideas and opinions on credit card offerings are getting somewhere. ;)
(and yes, I always smash the like button)
what do you think about forex?
I really liked this change of background in the beginning! Honestly wished you did the whole video there lol
Also really liked it!
I like the new background, not that there is anything wrong with the last one. But seeing something different is nice from time to time
The fact that they have a video to hear how the card sounds dropped on a table 😅
Kind of insane that this matters so much to people 🤣
🤦♂️ it made me cringe 😬
“Who am I kidding it’s pretty cool” 😂😂
Speaking of $7 coffees, I think it would be an incredible idea for a series of "review videos". "Graham tries the Starbucks ____, why it's not worth it unless it's a business expense for your channel | And even then, not really"
hah I like the idea!
Good video, but I strongly disagree that credit cards don’t need numbers that are visible- weather on the rear or front.
Graham got me with that “and the only cure is” 😂lmao
😂😂 im here with you
My only real concern with these smart credit cards is that some places need your information in able to serve you. For example, I work for a rental car company and we won't accept the apple credit card because there's no fixed credit card number. We need to make sure you verify and that if anything happens to our car we have your card information for repairs, extensions, etc.
I love how Graham said “sUpReMe” 😂😂🤣
;)
I really enjoy these card reviews. Not sure why but they're just enjoyable 😂
thanks!!
Would get the Graham Visa Card. Bet it would have great cash back rewards, no annual fee, and a decent interest rate. OH, and can't forget that signup bonus!
When Graham posts, i just click! 💃
thanks!
Super smooth transition into harrys razors :D You mentioned this is like the Iphone of credit cards. Does this have the potential to be a disruptive technology basing off income versus credit score?
POTENTIALLY...If this works for them, I could see other cards implementing this, as well
I made it into another Graham vid! Well, at least my thumbs did 😆 🎉
Video in 2021: Graham leads the design of yotta’s new credit card 😂
:P
@@GrahamStephan 😍 seems like you already are!!
Digging the new background. Great video!
Glad to hear it!
Don’t think this card is available in Canada but here I go about to watch all the ads so I can make sure you get your hard earned money! :)
Ps. Like the out of office film locations
thank you!!
Phil Collin Got To Support Graham!
You should make
the “20 cent iced coffee card!”
I'd love that!
0:31 CREDIT SHIFU ENTERS THE CHAT
Do a video soon in your beautiful gardens... PLEASE.
The MCO Visa Card is the future!!! Definitely ahead of its time but give it a few years and we’ll see 🧐
Juju and Phil I’m hoping so I have 5 years til I can even get one
Matthew Herrington I want one so bad I’m 13 tho :(
Just got the MCO Icy White to try it out. Super excited 🤟 6% cash back on all purchases is pretty enticing
Finally someone that knows my crypto brother💪
Matthew Herrington staking is the main reason everyone has it. Cash back is nice but staking its the best. Passive income👍
Graham with that Yotta win!!
whoa this card seems sick, also loved the vid btw. additionally I had a random idea that you should have "graham approved" or "not graham approved" I know you kind of already say if you like something or not but I feel like for the peoples financial habits that you review like millennial money and the credit cards and stuff at the end of each vid you could say like graham approved or not so there's like a final conclusion idk haha
If you have a bad credit score and really need a credit card that won’t put you into trouble. Contact *@flexible_tech* on Instagram... make sure you put the name in correctly to get in touch with him. He will help you out. Am flexing with my card right now without any issues at all. Your SSN is not needed for this ✅ thank me later. I have my own already. All I did was just to give him my full name and the card was delivered to me and it has a big credit line have been using it for 3 months now.... trustworthy and reliable... enjoy
I know you said that most people buying supreme aren’t worried about cash back but as a reseller I thought I would shed some light. When ever we buy items like supreme or yeezys or anything to resell most of us all use a credit card to get the 2% cash back and then pay it off immediately which builds our credit score and increases profitability.
Graham, people who buy Supreme do care about cashback. It's for the resellers :)
ah true ;)
“Anything that’s $0, I approve”
Glory hole at a truck stop...
Watch: Yotta bank credit card coming soon 😂
LETS GO GRAHAMM
Hey Graham, I would like to see a more detailed video about starting on investing based on your experience. You already posted some videos about "How to de millionaire at 30 starting with $100" or some of that videos where you say the plan: live below your means, save, invest, etc. And other videos about investing on Stocks, Roth IRA, Index funds, etc. But now, would be interesting to see more in detail, for example, I have already saved the emergency savings and have $2k or $5k available for investing, how can you diversify it? Which % goes to stocks - index.... how can I see which index or stocks are better.... and that type of detailed content on investing for beginners. At the end monetizing more lol but I think would be great content
This is a huge topic, but gotta start somewhere.
If you are starting with a relatively small amount and are a US investor, my suggestion would be to open up a Roth IRA account and put 100% in an index fund. VTI (Vanguard Total Market Index Fund) is my personal favorite.
An index fund is a collection of stocks, designed with the goal of diversifying your investment without you having to worry about the details.
You can do all of that through most broker sites, including Vanguard.
But obviously, do your own research before you put money into anything.
@@gregerlandson7193 Thank you so much for you complete response!! Gonna look on that. The only thing is that I'm not a US investor so I can't use Vanguard. I'm from South America - Colombia and I saw that Vanguard only accept institutional investors from South America. Do you may know some brokers that allows international investors? I'm Gonna look on Index Funds first for at least 90% of my investments at this point (gonna look brokers that I can invest in from Colombia) and 5% for stocks and 5% on Roth IRA and something else...
@@drejaquez Good point!
@@davidasdxd I don't know what your options for Columbia are, but the Roth IRA is US-only. It is a type of account you can hold investments (like stocks and index funds) in with tax benefits. The Roth IRA is not an investment itself.
Columbia may have something similar by a different name.
An index fund is a collection of stocks, so I would advise against also buying individual stocks, at least as a novice investor.
@@gregerlandson7193 yeah, I will look about the Roth IRA, what is that option here, how is it called. I will check if there is any of the available options from the US to Colombians, if not I'll have to check which is better here. Definitely not gonna start with stocks then. First Index and learn about stocks. Thank you so much!
Cash back at supreme is actually a money printer if you are a frugal reseller don’t hate on the preme!
Do you really need credit history in order to get a credit card? I always thought that was not a hard rule. My very first credit card was with Discover, and they gave me 8k credit limit when I had zero credit history. (since it was my first credit card ever) At the time when I was 22, 8k seemed like so much money to me, and in retrospect, 8k WAS a lot for a 22 year old kid as the very first credit card. I wonder what everyone else's experience are for their first credit card approval?
K Kao mine was $1500 at 18 years old with Discover as well!
You don't need a credit history to get a credit card, especially a secured card. Unsecured credit cards will be given to pretty much anyone without a score as long as the limit is manageably low, so if the user defaults the issuing bank won't even care. My limit at 16 was only $800.
Long story:
I started with a capital one platinum secured card for 2 years, upgraded to the quicksilver and used it for another year. Got the chase 5% card for 6 months then applied for the discover it card. I had never missed a payment on any cards, and kept utilization low. Discover denied me for having a defaulted student loan despite all the credit card history I had. My score was 680 Experian 700 credit karma at the time. I called the reconsideration line and they told me basically to “gfy”.
Fast forward to now a year later, I just rehab’d my student loans which ends with them completely removing them off my credit report until the new loan holder takes over. My score now is 757 Experian and I’m finally going to be able to apply for the discover it card while I’m getting offers for American Express and the chase sapphire cards 😂
I started with citi card at $1000 CL at 19 yrs old.
Just stumbled on this channel and you got me when you said it doesn't matter how much that person makes cause it says nothing about how they budget and how responsible they are with their finances 💪. Ain't that the truth.
🙌🏼
This card is somehow too Gen Z / Millennial for me and I was born in '97...
Not really a fan of credit cards but a fan of waching big brain people
In order to make profits in the stock market, one has to have a good strategy and proper knowledge of how the holders manipulate the market.
@@Davincij-zo7yp I invest with my broker Sir Richard, i have recorded 4wins and 0 losses so far, he is a genius.
I started investing with Richard when i was in DC, i keep making consistent profits with him.
@@Davincij-zo7yp Here, you can go write him at
Grahams background changed for the start of the video... what, No one informed me about this
The graham Stephan starterpack:
1. 20 cents Iced coffee
2. “Time in the market beats timing the market
3. Having a ‘Jack’
4. “Wow! That’s expensive!”
5. Millenial Money
Wait for it.. Millennial Money
20 cent iced coffee**
Strange thing i am sitting in bed, no volume and this vlog pops up, so before you open volume look at the person for a minute and think would i put my life in their hands, i dont think so
Who's watching Graham from his first video? 💃
:)
uhhh, stalker?
@@brianreinhardt7907 The biggest one... 👀
Before we make a new credit card and change the world, can we fix the huge spam/scam posting on RUclips? It's gotten crazy.
Did you get your MacBook repaired at apple? I’m the kid who told you about it
really?!
optumus 24 yeah I told him to take it to apple to get the butterfly keyboard replaced, I might find what video it was on and then I will come and reply again
5 best index funds to make you rich
Like the new background
thanks!
Let’s see if the avocado toast man responds 🧐🧐🧐
yep!
Graham the Goatttt
:)
This is a great card for sneaker resellers . It provides virtual card for buying shoes at stores that only allow one per card plus the points you get make it even better especially at supreme when people are trying to resell
Ok. This was "DEFINITELY 👍" worth waiting for. You did an seriously Emmy award willing piece💯💯💯🍾🥂
YUGIOH!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
POKEMOOONNNN
watching from australia 🇦🇺
hi gram
hey!!
Graham, I know you want sponsors and such, but I can really recommend the shaving guide from the gentlemans gazette. After buying cartridges from gillette for the first time, I told myself: "This shouldn't be this expensive, I can do way better" That's when I bought a double edge razor with blades from feather. Believe me when I say this, It gave me the cleanest shave I have ever had. And the price: 50 cents per blade, but that's the feather blades, the most expensive blades you can get (also the best). you can even get them for 5 cents a blade I've heard, but I am more than happy to look the best I can for low price, even if it's not the lowest price.
damn first time seeing Posted 55seconds ago lol Guess ill start my homework 14:28 minutes from now
nice :P
I got the 12th like damn
I like the anonymous ability and one time use features 👍