Should I Close a Paid Credit Card Or Leave It Open?
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- Опубликовано: 29 авг 2024
- Should I Close a Paid Credit Card Or Leave It Open?
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Dave's face when she says "My wife and I" 😂
Joel G wow I still can't believe it as I'm getting the sum of 10,000 USD dollars every single day just with a blank ATM CARD given to me by hacker Justus
Joel G. 😂
Yeah, that head movement!
Lol welcome to the reality of this world
Joel G. I’m weak!! 😂🤣😂
The title of this video! ...we all know the answer yet we still watch.
KidBilly he literally gives the exact same advice in every video but....
we watch for the response not the actual answer.
😄😄 ABSOLUTELY!!
@@DaringDanielletravels text him on what's app +1(206)-415 4732
@@genwunner6783 text him on what's app +1(206)-415 4732
I am writing this before watching the video. Dave says get rid of the card close it!
Close it. Only keep the two cards with longest history/points benefits/acceptability in all shops. Most importantly keep paying off the balance in total monthly. I went from 11 cards and 565 score to 3 cards and 825 score in a year.
Grumpy Greg wow I still can't believe it as I'm getting the sum of 10,000 USD dollars every single day just with a blank ATM CARD given to me by hacker Justus
Thanks so much!
Wow that has truly motivated me
You need to close all of them and get your score to zero, so you won't be tempted to get back into using them again.
Most California call ever.
😂😂😂😂😂😂
What’s that mean
they wouldnt have to do all that if they weren’t in CALI
😂😂😂😂😂
😂😂😂
@@ryanthepianoman27Means everything in California is backwards lmao.
" We moved out .... to live in our car for about 6 months." Dave's look: priceless 0:22
Caller: "We lived in our car"
Dave: "SELL THE CAR!!!"
😂
😂😂😂
😜
They live in the bus
@@SweetestGyrlSell the bus
800 credit score here, no debt, never had debt, and have enjoyed cash back totaling thousands. It's not bad if you are responsible.
How have you never had debt using a credit card
It is simple, I've just always paid my credit card bill in full, sometimes every week.
BINGO! Ramsey thinks we are ALL morons.
@@gennagresham3986 So you get into debt every single week? You definitely have debt all the time. How can you not see that?
What she means is she pays her debts quickly and doesn't pay interest. I think that was obvious to any rational person. I do the same with credit card debt.
Caller: We lived in our car
Dave: 😧
That's the norm in many parts of California unless you make over 150k per year.
Tiny home living is not as horrible as he thinks
I loved that look he gave for that!! Haha
@@RhinoXpress America*
ArtificiallyFlavord I agree
This person showed if you're motivated you can truly pay off your debt. With Dave's RUclips videos and books, I've been debt free Since 2018. Thank you so much Dave. You were a voice of reason in an unreasonable time in my life.
My Credit score is 812. I've never paid any interest on my credit card, Ever....
You must not have owed anything then.
Exactly! If you pay your last statement balance off a credit card you do not pay interest. If you have a loan for a house or car you pay interest. I think the question being about credit cards and Dave saying people pay a lot of interest to get to an 800 credit score is confusing. He had to have meant you pay interest for loans and mortgages which is true.
@@max60richyi have credit one I’m paying interest even tho my cards are paid off
We just ✂️ ours all up and collected them in a jar. It's such a nice decorative piece 😉👌
Love it!
Sorry you're not strong minded enough to properly understand and use a credit card to your advantage
@@pryme2013 Bowing down to the "Almighty FICO score" isnt very strong-minded in my opinion 🤷 Guess it's a good thing we're all entitled to our own opinion 😏
@@avocadomegs4189 so you paid cash for your home? Or do you have a mortgage? So you have a zero credit score? If you use credit properly it works for you. Problem is most people, like you it sounds like, have made terrible mistakes with money and think it's a bad thing rather than bucking up and realizing they made mistakes and moving forward. For intelligent people, credit works for them, not against them.
Mr M exactly I don’t understand how dumb people are including Dave. At least use the credit card for basic necessities such as gas and use it for nothing else. I don’t see how it makes you “spend more” if you use it on certain things like that
Woman: "my wife and I..."
Dave: "huh?!.." a second later thinks "oh yes, we live in a postmodern leftist west, nearly forgot"
hey i am critical of Dave at times, but he does not discriminate.... his focus on putting the credit card business out of business is always the same..
So true lol then he thought oh California... makes sense 🤣
Alpha Centauri I’m a liberal but appreciate your comment. We could look at Liz Cheney and see it’s not a liberal thing.
Haha!🤣
It's California, after all.
I dunno Dave having a good credit score allows you to sign up for things (utility accounts, phone plans etc.) without having to put down deposits, and also weasel your way into paying less for things as well. Not just about borrowing money.
Yeah but if you do what dave tells you to do paying a 200 dollar refundable security deposit for utilities shouldnt be some crisis for someone who is good with money
@@jaust9077 AMEN!!!🙏🙏🙏🙏🙏🙏 AGREE 💯💯💯
I don’t know man, but if you are going around worrying about initial deposits that inevitably will be reduced from your total cost than perhaps you got something wrong going on.
I am looking for an apartment to rent here in nyc. Every single person i talk to asks if i have good credit before they even talk to me about showing properties. I have no debt at all but my credit is good, i have open accounts and there is no reason to close them or damage my credit to just add an extra headache. Buy something for $20 here and there and pay it off right away. Just leave it there and keep a good credit score to save the hassle.
I agree! Control yourself first! I have 18 credit cards and they are paid off monthly. I don't spend money that I wouldn't spend if it were cash. My score is 830. No Debt besides my mortgage.
Jon I have a 400 credit score. How long will it take me to get to 600 if I’m consistent with my payments?
@@explodev2550 it depends my friend. The time frame depends on the type of debt you carry and the Credit bureau typically cycles every 6 months. It could be 1 to 2 years before you go from 400 to 680ish.
@@JonCorvin why on Earth do you have 18 credit cards. Are you going for 31? So you can use a different card for every day on the calendar?
@@explodev2550 You'll build more credit if you apply for different kinds of credit. Car loans personal loans credit cards. But I wouldn't get into debt just for a score. Just keep a couple credit cards and ALWAYS pay the full balance every monthly cycle. In 1 year you could get 600+ if you keep using it for your normal expenses
Watching with my GF. Dave Ramsey and chill
*note taking noises intensifies*
thats goals right there
Give her the rice and B E A N S
Caller: "So my wife and I..."
Dave:............... [2 second glitch in the matrix]
🤣🤪
I saw this too and had to rewind 🤣🤣
Your credit score has nothing to do with how much interest you pay. It is about the length and diversity of your credit, and making payments on time. Pay off the bill every month and you can have excellent credit without paying interest.
This video is right on time, I just paid off my credit cards but haven’t yet called and closed the accounts. Looking forward to learning more about manual underwriting when it comes time to purchase my first home
Daring Danielle..I was thinking the same thing..but I have a feeling it has to do with a lot of cash..or everyone would know about it..lol
I really really hope you didn’t close those accounts
Closing credit cards effects your credit score negatively so cut them up. Don’t use them and let them lapse naturally
Thank you. I was hoping Dave would just say what you just did, short and to the point. I really appreciate it. Working on baby step 2.
I just paid off all my credit cards!! Debt free !! I was wondering the same just let the company cancel my cards ! Because i don’t want it to effect my credit score
Good for you!! Its good to hear of someone getting out of debt, its inspirational. Keep up the great work
People are too stupid in America. 90% of people live paycheck to paycheck. Even people who make over 100k/year.
@@lilliansanders5470 text him on what's app +1(206)-415 4732
"I believe in doing away with credit." You have my attention, sir.
If you payed off your debt, don't close the account, shred your credit cards and forget about them, there is zero negatives to having a credit card with no balance on it(unless it has an annual fee).
With all that said, I think MOST people that listen to Dave Ramsey should close all lines of credit, because the average person will get into debt the moment the opportunity is presented.
The math is in favor of using credit, contrary to what Dave says, and if we were all robots we would be able to take advantage of the logical way of using credit, but we are not and emotions usually take over our dumb decision.
As long as the account is still open someone could theoretically get the account # from the bank internally and charge to your account causing you a problem.
@@davidpowell3347i was going to add cut n lock the card...all my paid off cards are 🔒
I’m in this this boat I want to close my accounts cause they have yearly fee… but I don’t want to ruin my credit…Idk what to do honestly
@@davidpowell3347 Make sure to lock the cards through their website that way you are free ;) of worry! just a little hint if the card is locked can't be charged and your safe!
@@davidpowell3347Just dispute it
LEAVE IT OPEN
Closing a credit card account or deuce is your available credit and therefore reduce is your credit score by a couple points. The only time you should close a credit account is if you have a credit card that has an annual fee. You should never be paying annual fee is for your credit card. If you treat your credit card right and you pay off the bill before it’s due and never pay interest they will pay you to use their card instead of you paying them.
100 hours a week? Lived in a car? Jesus. So sad. I hope their life situation improves soon.
FICO is like those old drug commercials. "I work more so I can do more coke,so I Can work more..."
Great advice. Cancelling credit cards off after I pay them off.
I paid off my credit cards and did not close the account. They charged me the annual fee of 143.00 while I was thinking about wether I should keep the credit card or NOT. I immediately closed that account after 1hr wait time
Yes, this is exactly why I'm closing the card I have. The annual fee and interest rate are insane.
Female caller: So my WIFE and I....
Me: *visible confusion*
Same.
Did I hear her right? 😨
Two women living in a car... I bet that smells great.
I knew I heard that right.
I’ve rarely had debt and currently owe nothing - however, I find credit cards a useful tool provided you settle the balance every month.
Rich Guest for the average person it’s just better to not get into it at all.
Exactly!
@@CorrectCrusader Not at all.. using a credit card properly and with restraint is excellent for the average, every day person, as well as what you may consider rich. Use a loyalty card for your normal Bill's and budget, do not carry a balance, and let the credit card company pay for your travel or give you cash back. If you have any questions about how, shoot me a message. I'd be glad to help.
@@YaBoyNigeMakinMoves The Average person can't use them with restraint. Is my point. Otherwise Dave wouldn't have a job.
@@CorrectCrusader True That! Unfortunately you're correct! I'm just not a huge fan of a one sided opinion becoming gospel is all. Same reason we have terrible relationship with food here in America. People aren't taught how to manage money at a young enough age, then only get one opinion, and make that the only answer.
This has got to be the most dedicated person I have seen. Kudos!
Having credit cards isn't bad if you pay off the balance each month. You only pay interest if you carry over the debt and make the minimum payments. And being debt free with a high FICO score is having the best of both worlds. Just because you have a credit card with a high limit doesn't mean you have to use all of it. You're honestly only supposed to use 30% or less.
People who are anti credit cards and look down on people who have them were simply undisciplined and irresponsible to have them in the first place. I got 8 credit cards and never carry over the balances on any of them.
Unfortunately this country and its economy revolves around credit. Most people cant pay cash for everything. But if you were going to pay $30 for gas, why not pay with a credit card, then pay the balance off withing a few weeks before the interest kicks in?
That’s a good point. I think have paid maybe $10 in total interest over 10 years and have 820 credit score and took many free vacations on credit card points. However, he is not wrong that paying on credit card you will almost always pay more.
The people who use them and are irresponsible with them are 7 out of 10 American households...continuing this trend is not a positive
@@insideoutsideupsidedown2218
They are definitely not for everyone and even though they system is rigged to where you need them at some point, you have to adapt
@@Cookieboy70
It's all about moderation. And if you dont know how to manage the money you earn, credit cards will only make things worse.
@@ad7711x I did use them, I do not anymore. Adapted.
Unfortunately, the question of whether or not it's beneficial to close a credit card account once it's paid off remains largely unanswered here. Dave's response was more of an "all or nothing" proposal. I'd really like to know if closing one of several credit cards will negatively impact my credit score.
you "stepped out of the rat race" or you used it as a tool until you didn't need it anymore, because those are two different things
Wrong, you can get a 800 score without paying interest. Graham Stephan will like a word with you
TechYK true
TechYK yup I’m at 812 and have ZERO debt. Do I care about my score? Not at this point.
You are absolutely right. I have no debt. My score is almost in the 800's, and all I have us that one credit card I pay off every month. No loans or anything like that.
He said "usually." That means not 100%. That means there are exceptions, but he isn't going to cater his advice to the outliers.
Thank you for what you do Dave...........Great public service!!
I have over 800 credit score and I’ve paid less than $1,000 in interest total. And that interest was just from a car loan that has been paid off. You don’t need to spend 100k in interest for a good score.
Young 95 I'm getting the sum of 10,000 USD dollars daily just with a blank ATM CARD given to me by hacker Justus
Young 95 text him on what's app +1(206)-415 4732
Young 95 text him on what's app +1(206)-415 4732
@Sir We Are About to Die Never said I didn't. Dave makes it seem like you have to spend 50k+ in just interest to reach an 800 score. That just isn't true.
Love these stocks on mega sale!
*Buy stocks when people prepare having toilet paper as new currency!*
Why did you say that? Went to Sam's club the other day and they had no toilet paper, and I'm wondering why...
corona virus
@@dustinwalker9932 Does it give you diarrhea?
I felt relieved when I heard you speak, as it confirmed my thoughts, you are a blessing. Thanks to the caller for them asking this question. Well, wishes to all.
Some employers run your credit score. Utility companies too. Apartment leasing offices. You better auto insurance rates too. Keep your cards open!
Even if we're not using them?
I swear I learn something new everyday from this channel..
Just leave it open. Be responsible.
Life will be much easier
Daniel Garcia text him on what's app +1(206)-415 4732
In addition to what Dave teaches, this doesn’t sound like they’re in the position to bear the risk of a leveraged investment property if they did want to go that route. If you’re not going to pay cash having a substantial savings/equity buffer is essential to not going backwards.
What is the percentage of people who can afford to pay cash for property lol
Closing a credit card is a hassle. Leaving it open with a zero balance is easy. Unfortunately.
How is it a hassle? I've never had a problem closing a card.
800 credit score and haven't paid any interest for 10 years. It's called being responsible. No one that has a credit card ever says that they will become a millionaire like dave always talks about.
I'm at 815 and haven't paid interest.
It doesn't make me happy or anything but when I goo to buy a house it'll come in handy.
I couldn't progress until I closed all cards even before they were paid off. One of best decisions I had made in my life.
"I just pay cash for my investment properties" Well Dave not everyone is a millionaire like you... If I'd had to finance a property and pay fees but still be able to make a profit why not!
you forget he was literally bankrupt at one point... meaning not a dollar to his name.
If you owe money you technically do not have profit.
@@bagamias-hula he didn't make it back by buying properties with cash, he made it back by selling the nonsense that you should do that. He's not a buyer, he's a seller.
He also made money by borrowing, he just made his situation too risky, so his loans were called. He could've done it WAY better.
Jacob Heyrend not everyone will write a book that has made him a great fortune either
@@insideoutsideupsidedown2218 If your mortgage, property tax, insurance, and set aside savings for repairs/vacancy is $2000/month... And you earn $3000/month in rental income on that property, you profit $1000. This is just an example but yes, of course you can profit even with mortgage debt. The key is buying right though.
Thank you for your words of wisdom Papa Dave. 🙏🏻
Dave didn’t dig into her debt as much as he does other calls I was surprised!
Shut Up And Eat!! ASMR probably to get her and her “wife” off the phone.
He probably didn't care anymore once he heard the word "wife".
Dave's face when she says "my wife and I" and then Dave's face even more when she says "we've been living in my car"
Use the card...just remember to pay it off when it posts...takes skill but there is power when the amount due is 0....
That's right!
Some dont have the discipline
@@Cahluvca Discipline is the real issue.
U sound dumb as 💩. Like Dave say, " keep playing with snakes, and eventually you will be bitten" meaning LIFE WILL...Broke ppl always got an opinion
@@BiggSneaddd Get Dave's balls out of your mouth. Uncle Tom mf.
Never close a credit card. Once its paid off just cut it or shred it and forget about it.
I thought cards get closed after no activity?
@@Jkisacky6 after two years of inactivity, yes.
Joel G STOP! HE is not homophobic . Hes a good christian man. He wants to help people!
Caller: we’re working 100 hours a week.
Me: work a 100 hours a week to get out of debt by 2022. 🥴
Did you do it?
Did she say my wife and I
Ray Corona
So what
@@Thekatedelaney your beautiful
It's a Christian show 🤣
Yes. Who cares?
That’s exactly why he brushed her off. Why would you listen to the gospel and literally go against nature lol
My credit score is 838 and I’ve never paid any credit card interest in my life. I’m debt free with a credit limit of 200k. My car is paid off and i have a mortgage and that’s about it
Having a line of credit, doesn't mean ur DEBT FREE. That means u still have DEBT DUHHHHHH
Been 3 years with a credit card so far and so far I have never paid a penny on interest. Just need to be disciplined and live below your means, just as Dave preaches.
If you are using credit cards you are not living below your means
InsideOutside UpsideDown Wrong! I am considering it gets paid off immediately and I never once carry a balance.
@@AxcelGamer97 if you are paying it off immediately why use it?
InsideOutside UpsideDown 1. Because I can. 2. It’s a rewards card, so I’m getting something out of it. 3. It is factually safer than a debit card or carrying around a lot of cash.
The reason those reward programs exist is because the banks bring in so much money from 7 out 10 people who do not pay off the balance and carry that balance for sometimes years on the accounts. Banks are in this game to make money and if that trend were to reverse, those "reward" programs would vanish. If you have an income where you can pay for things outright and have not use a credit card, why are you worried about a free 2 night stay in a hotel?
Dave, maybe my wife and I are the exceptions. We have a 839 credit score and have not paid interest on our credit card in more than 5 years.
ronhamm wow I still can't believe it as I'm getting the sum of 10,000 USD dollars every single day just with a blank ATM CARD given to me by hacker Justus
Everyone know the answer if you want a zero score close all the cards if that is your goal. You can’t get car loan but a house. More importantly they living in car close everything down and out!!!! In meantime go to homeless shelter.
Did I hear her say my Wife? 🤔
Dave’s face just looked more and more confused...🤣
If you're going to close the credit card after it's paid off you might as well close it now and then work on paying it off.
Leave the credit card open and just use it to buy groceries or gas for the car. Be sure and pay the card off in full each month.
I live in my van it's not bad if you don't have kids and can tough it out. Better than working all day Monday for taxes, and Tuesday-thursday for rent/mortgage. Ever wonder why people work 7 days a week.
Thanks for this video Dave be well .
Dave's reactions at 0:14 & 0:23 made the tiny home bus part reactionless. He already was too shook. LOL
😂😂😂
I have close to 800 and didn't pay any interest... Besides students loans
James myers text him on what's app +1(206)-415 4732
Yes Perfect advise! Because the lady that was living in her car can just buy a house with cash.
Yep everyone I know who lives in their car can easily afford to pay for a multi family investment property in cash. This Dave guy is a genius.
Has anyone ever don’t the mortgage underwriting thing with the company Dave suggests ( church hill ) ? If so I have questions real quick
This is a tricky process that is a lot more difficult than a traditional mortgage approval process. The odd thing is, Dave suggests this process, however the underwriter still looks to see how risky you are as a borrower and looks at payment history and credit score. It can be more expensive as well as not allow you to purchase the size property that you need for you and your family, as the rates can be higher than a traditional mortgage, due to the risk involved by the lender. When Dave suggests this process he does not mention these things. I'm not sure what state you are looking to purchase but you may always ask me and I will attempt to answer your questions. 🙏🏽
YaBoyNige Makin Moves I’m in New Jersey , in the North Brunswick area, a year and a half from now is when I’m considering , either a foreclosure, or a land with a mobile /manufactured home , or just going with a traditional mortgage
@@Fullrusher Awesome. I'm not an expert in Real Estate in the New Jersey area, but if you have questions about the process when the time comes, feel free to hit me. I can walk you through it.
You won’t every pay interest if you live within your means and pay them off at the end of the month.
I have a 780 FICO score Dave, AND, don't pay interest.
Who cares? You missed my whole point! Dave said to get a score of 700 or 800, you had to have paid hundreds of thousands of $$$'s in interest. I pointed out that is incorrect. Listen to the segment!
Close enough for all lenders though, so...
I already knew the answer before I clicked the video
Excellent, but I would say keep one open for emergency you never know, also use one that give you cash back and as soon you buy pay it.
I have one open credit card from my bank that I do not use. I only keep it around so I can say I have a credit card whenever my bank wants to beat me over the head with getting there credit card. Perhaps I should put that credit card to use one day as a drink coaster so it's not completely useless. XD
But does manually underwriting give you a higher or lower interest rate?
all it means...and now I'm taking the first step.
This is Jeopardy
I'll take "At what moment" for $1000
Answer: at the 28 seconds mark.
Question: At what point in the video did Dave completely stop listening to her?
😆 🤣 😂 😹
Cathrine: my wife and I ....
Dave: 😞
Lol
Hay Dave, I'm in the UK its different here it's better to leave cards open on £0.00 cards. + you can't get home's here on 0 credit score here, you need to have a job and have at least 5% of the home your buying as a deposit towards the morgage. There is no 100% lending anymore Banks don't do that anymore.
If you pay off your credit card and don't use it for a certain amount of time the credit company closes it, well at least from my experience.
Ms Mary contact him on what's app +1(206)-415 4732
Ms Mary contact him on what's app +1(206)-415 4732
Yes. After 2 years without activity, they will close your account.
"HER, Wife" ?
Fresh Urb text him on what's app +1(206)-415 4732
Congratulations. Your ears still work, even though you’re 80.
My skin crawls every time she says her wife, so disturbing
I have a very high credit score and use my credit cards as a debit card and haven’t paid a cent of interest in years. In this scenario is it a bad idea to have credit or close an account?
With manual underwriting, wouldn't the chances of a higher interest rate on a home be greater?
I wonder if Dave's business accepts credit card payments from people purchasing his "Peace University" courses or products 🤔
It's so much mixed emotions when it comes to this, what is it really because I want to pay my $1,600 card off and close it.
Then do it.
Like with any guru don’t do everything 100%. Evaluate your own situation and make a determination
dont you have to havefico credit to even buy a home?
It’s 2024 unless you’re a millionaire credit cards are almost impossible to avoid
Not true, it just makes it to where you can only spend what you have. I will say it’s annoying when I rent cars or hotels because they put a large hold, but that’s probably the worst part for me.
LEAVE IT OPEN, as long as you don’t use it you’re okay!
I close one credit card and my points went up 10 points!
I thought if you close a credit card your score goes down
Mine went down and I didn't care! It feels so good to know that I can't repeat my mistakes again. Thank you Dave for inspiring me.
Tonnie Beck i just paid off all my credit cards debt free !!! I shredded 2 credits
Cards iam gone to let the company cancel my cards iam gone to keep one card because you need a good FICO score just incase i want to move
@@tonniebeck8212 text him on what's app +1(206)-415 4732
I pay 0 interest, and got THOUSANDS in investments that are growing... HAHAHAHAHAHAHAH CASH DOESN'T GROW!!!
Recorded a day before the pandemic. I wonder how it played out.
If you have electric bill or any bill of any kind you have credit score will be matain.
Spell check your post please...dufus
He literally didn’t help her at all.
Wow makes sense here
You just made a lot of sense 🧐🧐🧐🧐
PAID AND CLOSED MINE TODAY!
Exactly! identify theft is real. I had a 0 balance and didn't close the cc, yet after 2 years someone charged $211 because the acct stayed open for any hacker. The lowering of FICO is BS and wrong but not worth keeping them open imo.
why did he end the call mad early
you paid a bill thats what a credit score is you paid a bill BILLSSSSSS things that people dont want to pay
he didnt answer the title of video realy