The TOP 5 WORST Credit Cards In 2024

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  • Опубликовано: 13 сен 2024
  • Download the Experian App or visit www.Experian.co... - Add me on Instagram: GPStephan - These are my personal 5 WORST Credit Cards Of All Time - Enjoy!
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    The views and opinions expressed herein are those of the author and do not necessarily reflect the legitimacy of these companies. Do your own research and come to your own conclusion. For entertainment purposes only!
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    *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice. Public Offer valid for U.S. residents 18+ and subject to account approval. There may be other fees associated with trading. See Public.com/disclosures/

Комментарии • 494

  • @CurtisxJacob
    @CurtisxJacob 2 года назад +732

    I miss these videos from you and not the click bait stuff. Not being a hater, huge fan but I needed a break from all the “market crash,” going bankrupt, selling everything videos. These videos really help people and helped me turn my credit around years ago!

    • @dalexc
      @dalexc 2 года назад +42

      Couldn't have said it better myself.
      Graham, been following you for a while. Think you have a fantastic platform and opportunity to really educate the next generation on the importance of financial awareness.
      You're doing great. You do not need the click-bait non-sense. That's not how you built the platform. It was never your style and that is why we love you and your videos.
      Leave that to the amateurs.

    • @DGBAntho
      @DGBAntho 2 года назад +15

      Views don't lie more people like the clickbait

    • @kevins7974
      @kevins7974 2 года назад +11

      @@DGBAntho because they got clickbaited. the like/dislike ratio is worse on those videos than the helpful videos like this one

    • @joshua.butler
      @joshua.butler 2 года назад +2

      Yeah... I agree it's frustrating. 🤷‍♂️

    • @brad265
      @brad265 2 года назад +1

      Totally agree!

  • @The_Flamekeepers
    @The_Flamekeepers 2 года назад +7

    I made this mistake of signing up for a CreditOne card, but cancelled in the first month. They are the worst!

  • @Daniel_Braun
    @Daniel_Braun 2 года назад +170

    Putting the Starbucks card number one..... maybe hinting at a future Bankroll Coffee card to beat the competition?? 🤔 I'd love to see it! haha

    • @TheBlinkisback09
      @TheBlinkisback09 2 года назад +1

      Love to see you here with the old Graham that got many of us started on our credit journies!

  • @roelsvideosandstuffs1513
    @roelsvideosandstuffs1513 2 года назад +14

    By now people should already be asking the government
    "Why are these credit card scams still allowed?"

  • @terrencetroope
    @terrencetroope 2 года назад +14

    I love credit cards. I have the Chase Sapphire Reserve and Amex Platinum. I literally use my cards for every single purchase that I make.
    The perks that I get with these cards pretty much cancels out the annual fees.
    But I will caveats that credit cards should not be used if you don’t intent on paying it off in full each month

  • @dral22
    @dral22 2 года назад +2

    This is refreshing to see, instead of that market crash, housing bubble crap you're obsessed with talking about

  • @judahlewis505
    @judahlewis505 2 года назад +54

    this video feels like OG graham videos. I've missed it

  • @Doggieman1111
    @Doggieman1111 Год назад +2

    I love how they write "BLACK CARD" on the black card and "GOLD CARD" on the gold card just in case you (or your many admirers) aren't bright enough to figure it out.

  • @caboosethemoose2070
    @caboosethemoose2070 2 года назад +7

    Graham! You should do videos delving into credit card points transfers to travel partners and tricks. Your videos would be great with the info of the points guy or Dansdeals articles. "The best card to get to travel on the most luxurious first class flight on Singapore air"

  • @PhotoDaveJax
    @PhotoDaveJax 2 года назад +18

    Great to see you on a credit card video again. I think that’s where I first found you. 👍👍

  • @dani2g
    @dani2g 2 года назад +9

    I used to get Starbucks every SINGLE day. Sometimes twice a day. I've been clean a whole month off of all sugary drinks including soda as part of getting healthy. I have the Starbucks card and now it's useless to me. Looking for a new visa to replace it so I can still get something when I shop at costco since they don't take amex.

    • @How3Kiwi
      @How3Kiwi 2 года назад

      Chase Freedom or Freedom Flex are good choices for Costco. Graham talks about both of them in multiple of his videos.

    • @Brianpeckin
      @Brianpeckin 2 года назад

      Just a waste of money up go there wtf

  • @SilverFan21k
    @SilverFan21k 2 года назад +1

    Get your Popcorn ready! 🍿 Financial Armageddon has begun.

  • @CalebHammer
    @CalebHammer 2 года назад +7

    Just give me my Citi Double Cash and Imma happy boy 🥰

  • @Good-Morning-Media
    @Good-Morning-Media 2 года назад +1

    Can you make a video of 2022 best banks?? Please.

  • @Bpstv51
    @Bpstv51 2 года назад +4

    You know what? 2 3 hundred dollars is not gonna do me anything, my personal opinion I’ll rather focus on something more game changing. I love how people sit for years to figure out which credit card is going to give them another dollar.

    • @coreyw5981
      @coreyw5981 Год назад +1

      Its doing me better than any sort of investing has in the last several years. Haven't even come up a single dollar in any of the vanguards ive invested in. Credit cards have got me free hotel stays though which is pretty neat

  • @travissmith5360
    @travissmith5360 2 года назад +1

    Time for a video of best credit cards in 2022

  • @raiden3013
    @raiden3013 2 года назад +1

    got to put 2022 edition in the title Graham!

  • @skp4nda549
    @skp4nda549 2 года назад +2

    Can you do one on balance transfer cards?

  • @WorldAccordingToBriggs
    @WorldAccordingToBriggs 2 года назад +3

    Dude watch out using that Almay photos. Those people are very litigious.

  • @Ok21111
    @Ok21111 2 года назад +4

    Yes Graham plz stick to credit card videos they’re the best👍

  • @TheCreditShifu
    @TheCreditShifu 2 года назад

    Great video graham, I may have to do a reaction to this

  • @bombaymiracle
    @bombaymiracle 2 года назад

    Huge problem with the fact that your last email didn't make one mention of the massive expansion of the IRS. The fact that you don't even think it's worth mentioning

    • @MrMiniPancakes
      @MrMiniPancakes 2 года назад

      What?

    • @bombaymiracle
      @bombaymiracle 2 года назад

      @@MrMiniPancakes his last email talks about the bills just passed and no mention of the expansion of the IRS

  • @top_goalie6519
    @top_goalie6519 2 года назад +1

    You gotta watch the caleb hammer videos on your reacts channel you would have a field day with some of those people

  • @LazyShady
    @LazyShady 2 года назад +1

    Theres an algo shift probably
    After what happen with Jermey, I barely see Grahams or Andreis videos on my feed. And all I do is finance

  • @jessicaboltze
    @jessicaboltze 2 года назад

    The ego joke! 😂😂😂

  • @DayanaPlays
    @DayanaPlays 2 года назад +1

    "is that a mermaid?" 😂

  • @davec5312
    @davec5312 2 года назад +17

    Crazy to think after all these years of watching your videos, your credit card advice was the reason I started watching. It's great you've expanded your financial advice and awesome to see how much your channel has grown since then.

    • @joshua.butler
      @joshua.butler 2 года назад +2

      Now it's a rarity that he talks about them! His growth has been wild for sure.

  • @chrislemaster2695
    @chrislemaster2695 Год назад +1

    SURGE CREDIT CARDS ARE NOT ALLOWED IN ILLINOIS.

  • @nelsonsanabria7888
    @nelsonsanabria7888 2 года назад

    Graham Stephan = Goat

  • @patrickbello8130
    @patrickbello8130 2 года назад +1

    No mention of first premier it’s like a pay day loan

  • @jimmbear3998
    @jimmbear3998 2 года назад +2

    I used to have the Starbucks Duetto card not great not horrible. I also used to have the Gap Visa card which after you charged a certain amount would send you a $25 gift certificate that could be used at the Gap once again not great not horrible. At least they had no annual fee. I will give you thumbs up for video but next for video I want to see a positive title, enough with the negative title videos and no more videos about inflation, recession, or rising interest rates. Thanks!

  • @SpencerJohnsonOfficial
    @SpencerJohnsonOfficial 2 года назад +10

    Love seeing you post some credit card content Graham. The nostalgia is real! I first found your channel when I was getting into the credit card game and now I have a whole channel all about them, so needless to say, you were an inspiration!!

  • @TheDirtyHard-Worker
    @TheDirtyHard-Worker 2 года назад

    P.S. Panera's unlimited sip club destroys the Starbucks offerings.. js..

  • @arigutman
    @arigutman 2 года назад +9

    I think having one solid card is important and ultimately needed to of course build a credit score. I keep it really simple with a capital one quick silver which gives 1.5% cash back anywhere and everywhere without any travel fees...

    • @hopederosby9516
      @hopederosby9516 Год назад

      I have that card also and love it I save my cash back rewards for emergencies

  • @masonp5
    @masonp5 2 года назад +5

    Feel bad for the people who see their credit cards on this list

  • @DamienOlsson
    @DamienOlsson 4 месяца назад

    For the city person who visits SB every morning before work. I would say this is the best card you can get. At least they erase that cost that is probably in the thousands if not having the card.

  • @judahlewis505
    @judahlewis505 2 года назад +3

    Can you please reveal your entire stock portfolio? I wonder what it looks like now.

  • @eliubfj
    @eliubfj 2 года назад +10

    I'm watching the Starbucks part.... I could care less for coffee but as a monthly treat a large yum yum free of charge for a full year and then equivalent to 49/12 = $4/month after. That's not so bad! Only problem is getting a hard inquiry for such thing.

    • @joshua.butler
      @joshua.butler 2 года назад

      A large yum yum made me lol 🤪

    • @mercyfae17
      @mercyfae17 2 года назад +1

      Starbucks already has a free rewards system within their app.

  • @DerbyMods
    @DerbyMods 2 года назад +6

    As someone with the Starbucks credit card I’m shaking in my boots, but I’m also employed by Starbucks so what do I know? The free drink reward alone makes it worth it as long as you’re getting a Iced Quad Blonde White Chocolate Mocha with light ice Vanilla Sweet Cream Cold Foam and extra Caramel Drizzle, especially if you do a milk substitution.

    • @GrandNoble
      @GrandNoble 2 года назад +2

      This comment was sponsored by Starbucks

    • @DerbyMods
      @DerbyMods 2 года назад +1

      @@GrandNoble crap, can't forget the disclaimer!

  • @BigdaddiZ
    @BigdaddiZ 2 года назад +2

    Who else is watching to see if their credit card is on the list 👀

  • @jvaldez349
    @jvaldez349 2 года назад

    Reusing your thumbnails Graham 🤨 I see you 👀. 😂😂

  • @hopederosby9516
    @hopederosby9516 Год назад

    Any card with no grace period and charges you fees just to swipe it is a terrible card to get its best to look at terms and conditions on every card before you apply for them so you know what you are getting into before you decide to apply for them

  • @clandestinerobot14
    @clandestinerobot14 2 года назад

    I am not seeing the linked video for best cards??

  • @MrSami-gk1oj
    @MrSami-gk1oj 2 года назад

    Gram you assistant did all the work?

  • @deesplash7087
    @deesplash7087 2 года назад +19

    Instructions unclear: expeditiously applied for every card listed

  • @liljo911xxx
    @liljo911xxx Год назад

    Credit one is freaking bad..I closed my account with this company..
    thought it was capital one...

  • @sagebeer
    @sagebeer 2 года назад +3

    Solid video, i like how he puts up a counter offer to almost every garbage card in the video.

  • @Kevinbaconator_
    @Kevinbaconator_ 2 года назад

    BRUH, I just got a BOA card and when i was scrolling through the video and saw it late in the timeline, I almost pooped myself. But ole Graham was recommending it :)

  • @joeymckinney
    @joeymckinney 2 года назад +46

    Oddly enough the ones that Experian recommends are often horrible cards

  • @travissousa5476
    @travissousa5476 2 года назад

    I love the random add drops. Pretty Funny.

  • @ExySmexy
    @ExySmexy 2 года назад

    Whats up graham its guys here

  • @CaseyBurnsInvesting
    @CaseyBurnsInvesting 2 года назад +4

    Looking for that 76% interest rate.

  • @ivinitmittal
    @ivinitmittal 2 года назад +1

    Ahh!! Old credit card videos!!💯

  • @Wentojail
    @Wentojail 2 года назад

    Graham make a video how to stop credit card companies to send mail to your house!!!

  • @user-ex5vp7bv5r
    @user-ex5vp7bv5r 2 года назад +2

    Now this is Value. Thanks Graham Ham

  • @lukefrazier03
    @lukefrazier03 2 года назад +9

    Been waiting on more credit card videos! Was just telling my friends about your old ones yesterday

  • @pancakes144
    @pancakes144 2 года назад

    How did I know graham was gonna hate the coffee card

  • @hasanizol230
    @hasanizol230 2 года назад

    getting the government tax fund now is a night mare,how did you all pull if off and getting paid monthly?i cant even get a grant,someone help

    • @vulcanfrost460
      @vulcanfrost460 2 года назад

      @elizabeth flynn they are on insta gram

  • @sephondranzer
    @sephondranzer 2 года назад +14

    Honestly the worst part of that Creditone thing is that Capital One is actually a good credit card company. I had to hire a lawyer to get my damn account closed with Creditone cause I kept asking them to close it and they said they did so - but didn’t do so.

    • @rosalinda612
      @rosalinda612 2 года назад +4

      Same here..I had to threaten them to close it, after fraudulent charges where made. It was odd

    • @sephondranzer
      @sephondranzer 2 года назад +4

      @@rosalinda612
      Yea I got the feeling the charges they kept citing were them randomly charging me and not fraud after a while - they should be shut down tbh nobody should have to deal with that.

    • @gaalxystar1873
      @gaalxystar1873 Год назад

      I hope captial one will crush creditone soon because I hate them with passion and loved captial one

  • @skyleglascock1901
    @skyleglascock1901 2 года назад +8

    Followed Grahams advice and rebuilt my credit at 43… Much appreciated Graham!!!

  • @brad265
    @brad265 2 года назад +1

    Credit One does NOT allow automatic payments. Why? I don't know. It's only 2022... They are the worst!

    • @joshua.butler
      @joshua.butler 2 года назад +1

      Wow, seriously??? 👀

    • @brad265
      @brad265 2 года назад

      @@joshua.butler yup

  • @mustafahgmh
    @mustafahgmh 2 года назад +1

    Where the link for best credit cards Graham?!

    • @GrahamStephan
      @GrahamStephan  2 года назад

      Here you go! ruclips.net/video/1LzGIafwgTc/видео.html

  • @Dudanation12
    @Dudanation12 2 года назад

    Nothing says "I'm Stupid" more than getting that black or gold card. WOW!

  • @Itsluis_88
    @Itsluis_88 2 года назад +1

    PLEASE bring back “Best Credit Cards for 2022” ….. enjoy all your videos.

  • @ironspider9280
    @ironspider9280 2 года назад +17

    This was super helpful and interesting. It's been so long since you've made a credit card video.

    • @joshua.butler
      @joshua.butler 2 года назад

      Perhaps he's getting back to his roots??? 🤔

  • @CowboyRocksteady
    @CowboyRocksteady 2 года назад

    is the flipside of this video coming too? what are the best?

  • @nickforman6655
    @nickforman6655 2 года назад

    Omg not sure if you remember my comment but thank you so much!!!!! You’re the best

  • @tylerhalstead255
    @tylerhalstead255 2 года назад

    Graham killing it with a diss video

  • @1FrostySlime
    @1FrostySlime 2 года назад +44

    So fun fact I've actually seen people come to the restaurant I work at with the Luxury Gold Card and they're always richer types who honestly could probably sacrifice the $1k annual fee just to have a cool looking card

    • @joshua.butler
      @joshua.butler 2 года назад

      Interesting! I've never seen one in person.

    • @edwinmedina4338
      @edwinmedina4338 Год назад

      I got the invite for it and does nothing for my use, + that annual fee 💀

  • @jrich2784
    @jrich2784 2 года назад

    I love it😂😂😂 ever since i been watching you, you hated Starbucks

  • @bleron_26
    @bleron_26 2 года назад

    I love it when Graham roasts Starbucks.

  • @michaeldiaz6060
    @michaeldiaz6060 2 года назад

    What a coincidence when I asked you last video for your opinion of the best credit card is. Coincidence I think not !

  • @mrb152
    @mrb152 2 года назад +8

    I was worried I had one of them but when we started off with that garbage Starbucks card all concerns were relieved. That’s horrible.

  • @1pwNz0mb13Z
    @1pwNz0mb13Z 8 месяцев назад

    Im sold on getting a custom 24k gold card for $190 now

  • @lawnside82
    @lawnside82 2 года назад

    im surprised first premier bank card isnt on the list... worst card ever....

  • @robby95036
    @robby95036 2 года назад

    There are retailers who can make cool looking custom cards for 100-200 as a flat fee... no need to get an expensive black or gold card

  • @Ana-bu3jf
    @Ana-bu3jf 2 года назад +1

    Please make a review for Hamster Coin (HAM) 💪

  • @GlidingPenguin
    @GlidingPenguin 2 года назад +4

    Graham! Sign up for the MasterCard gold card, make a video about it and show us what the luxury magazine is like!!

  • @hasibasim1
    @hasibasim1 2 года назад +2

    Glad you did a video like this and need a break from the sky is falling

  • @ahmadsabboura2779
    @ahmadsabboura2779 2 года назад

    Oh, no world end content? What happened? We passed world end safely yet again? Ok, didn't notice it

  • @gevurmalitr7996
    @gevurmalitr7996 2 года назад

    who upgraded your credit score for you and cleared all negativity on your account report ?

  • @TheDjgarjoel
    @TheDjgarjoel 2 года назад +1

    One of your best videos, you looked excited doing the review

  • @Truthhurts1124
    @Truthhurts1124 2 года назад

    wow wow wow!!!! smh

  • @yannchan4907
    @yannchan4907 2 года назад +5

    I was about to say that we haven't been getting credit card videos in a while now. Here we are!

    • @joshua.butler
      @joshua.butler 2 года назад

      Would love to see them thrown into the mix more often!

  • @seenso
    @seenso 2 года назад +1

    Actually just got a home espresso machine to save money on Starbucks lmao

  • @cahnrad
    @cahnrad 2 года назад +1

    Hey Graham my good man, have you or when will you do the five best and the five worst business credit cards?!

  • @logicalshri
    @logicalshri 2 года назад

    this is actually really interesting

  • @tbranson6301
    @tbranson6301 2 года назад +1

    14:21 Where is the link down below to show your favorite credit cards, otherwise good video.

  • @kamplied
    @kamplied Год назад

    0:36 this reminds me of my bio

  • @jamiewilliams3179
    @jamiewilliams3179 2 года назад +1

    Fees, fees, fees lol

  • @brawlburak4020
    @brawlburak4020 2 года назад

    A relative used my credit cards ran up to the limit maxed all my credit cards When I was able to check this out I didn't charge all these cards Had to file bankruptcy So now I have T-Mobile after me that I didn't sign for did not go in store and purchase phone with them,any organization that can get me out of this mess please will be appreciated in the comments

  • @parkour267
    @parkour267 2 года назад +1

    its impressive how terrible starbucks black coffee is. I struggle on delta flights to drink it for the free caffeine.

  • @BradBehr2707
    @BradBehr2707 2 года назад

    Refreshing. Good video, thanks for info

  • @mposey-yy8il
    @mposey-yy8il 2 года назад

    Can you update the best bank accounts video...please😁

  • @AFJojo
    @AFJojo 2 года назад

    MAKE MORE CARD VIDEOS!!!! TY

  • @ericdasilva2948
    @ericdasilva2948 Год назад +1

    Question, can I take out money from my credit card then deposit that to my debit card and then later pay off the credit card at the end of the month using the same $300 I took out?

  • @CaedenV
    @CaedenV 2 года назад +1

    Woo! Normalcy is Graham doing credit card videos... normalcy feels really good :)

  • @KDotz
    @KDotz 2 года назад

    I love you Graham Stephan

  • @alvertosb.p.9424
    @alvertosb.p.9424 2 года назад

    Good job exposing the Credit Card Corporations of human slavery.

  • @gcard2112
    @gcard2112 2 года назад +1

    Sick vid Graham, thanks