I have a Discover card, and the ease of use is great. They keep raising my credit limit without having to do anything (around $15,500 now). I treat it like a debit card, pay it off every month, pay no interest, and get 2-5% cash back on purchases. I have no idea why anyone would use debit anymore.
@@luked.48 If one has the mindset as such of, "I'll go over what I can pay now and just get the money after," it is ill advised to let said individual to wield the debt generator of his own making.
I found this channel a couple months ago, and I appreciate how his helping people by giving them information on grants and loans for their businesses, I started a trucking company over a year ago..I cannot find funding for minority men anywhere..unless I'm just missing it..can you point me in a direction to the agent that got your grant approved for you
Been waiting and trying to remove unwanted collection and a very bad score on my credit report . I hired MESSIAH HE HIS EFFICIENT removed Unwanted collection and also closed two of my credit cards with affordable price,
I’ve been watching you since last year and I have learned so much ! I opened my first credit card in 2022 and I’m so happy I did . I now have a 730 credit score !! I’m currently 23 and Now I have this crazy desire to invest and make my money grow because of you ! THANK-YOU!!
@@teresaperez2962 how many months did it take you to get to 700? And also what’s the average credit score? I’m 17 and going to get one so I’m learning lmao. Have a nice day
Dang bro, we're the same age, both got the same credit card, similar credit score, both started the credit card game in the same year lol. Waiting for Discover to send my $200 deposit back as i've been really good on my on time payments :D
Graham, even though you’ve posted videos such as best credit cards, saving accounts, stocks, etc before. I love that you update them year over year and not just post one and done. Believe that I tune in every year to see your updated list Year over year. I have opened credit cards based on your suggestions and my needs. Keep it up Graham! Bravo! 💯 I am a fan of your work!
He says that he doesn’t like doing these because these videos seems repetitive and too easy to make but I’m with you too! I always watch them to see which card I should get next!
This timing is actually insane - I was literally researching which credit card to open and was going to go back to one of your old videos that I watched JUST as you posted this!
Very happy with my (regular) Discover and CapitalOne QuickSilver card, that's the only cards I carry (no Dept. Store) and with the cash back, I am around $400 a year, which I can spend on Christmas gifts or splurge on myself. Key is to pay if off in full every billing cycle, otherwise those interest rates will KILLLLLLLL YA. Peace, out.
This is one of the most strategic,insightful videos Ive watched in years I am BLOWN away.I am working on writing an app to help people learn about surprise medical bills and how to avoid them,and I am going to site you and your tips in my app.Thank you S
Keep an eye out for auto enroll fees if you have paid off a balance and havent looked at the account for months. You may find a fee w intrest a year later. Also if not used within a priod of time you could get a close account that could neg affect credit score. Otherwise ther is some reward w work.Thank You
The Chase phone protection only applies when you buy the phone with a carrier service tied to it and paid in a monthly basis. It does not apply for someone like me who always buy an unlocked phone in full even if I used a Chase credit card to buy it in full.
I genuinely believe this will be one of the massive recovery to ever cross the platform. The difference in content compared to what other agents push out really made this service exciting, unique, and fun all at the same time. Congrats man, Bro shoutout t
another good starter credit card that i personally like is the BofA Custom Cash Rewards, particularly if you do some banking with them as well. if you have 20k with them (this includes merrill lynch) all the categories get a bonus, so personally i get 3.75% cash back on food and i think that's pretty good
The Discover it secured is a tried and true card that is hard to beat if you have no credit history. However, I always recommend that people get started as early as possible in creating their Chase trifecta so they don't have to worry about the 5/24 rule at all (this could mean starting with the Chase Freedom Student if you're in college). The most infamous rule in the credit card game never fails to annoy people, so it's best to get ahead of it! 🤣 Always love your credit card content Graham. You were one of my big inspirations in starting a CC channel of my own, so thank you for what you do!
@@michaelsanchez1000 I appreciate you! This is the path that I have found to be best, and it's set me up really well so far! That 5/24 rule can be really annoying for sure though.
The confidence you take in your work is really inspiring and amazing,special thanks The time and efforts you had put into deleting all inquiries and collections is beyond excellence.Take my cordial thanks!You are really an efficient, organized and result-
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
This man spends hundreds of thousands of time just to help us. He helps those in need while also helping us. He always puts a smile on our faces and we should appreciate it. Hats off to Him! I love you dude. Crazy Ive never payed attention to the Cognit
I just want to tell you how much I appreciate your content. I am 18 and have followed all your advice regarding credit cards. I now have a 750 score I built up with the Discover it card that I got on my 18th birthday. After watching this video I just applied and got approved for the AMEX Blue Cash card. Thank you for everything you do.
Hey Graham, I got my first credit card ~9 months ago with the Discover It card. I've been paying on time and built up a pretty good credit score. Can you do a video on cards to get for a newbie after their credit has been built up? Thanks!
@@vibez577I built mine to 780 with the discover secured,I recommend it if you have no credit and barely starting out,but now that I have 10 months with it,time to look for a new one
Graham; This video was uploaded a year ago with 2024 year on the title. It’s been a year and folks are wondering if you are going to upload a new video for 2024. Or are these credit cards still good for 2024? Thanks for great content.
I absolutely love my discover card! I am a college student and got my credit card right before I started university. There are a lot of student benefits with the discover card
I didn't need a secured card with discover as my first card I got 1k credit limit right off the bat a year later I have 3k now without putting any money down
Can you do a video on best business credit cards/best way to build business credit? Great video as always! Every time someone asks me about credit I always send them to you. Great wealth of information!
Could you do a video on intermediate cards please? After a couple years, I now have 4/5 cards and a credit score in the mid 700s. I’d love to hear what other suggestions you have.
That Amex card is an upgraded design. It use to be a clear plastic card. And now folks that have it usually get offered an upgrade to another card that has a $95 Annual Fee 🤦♂️
Thanks for the info, just got my deposit back from discovery secured card and a significant credit raise, trying to find the next one to get and keep the ball rolling!
Their firm is absolutely outstanding! He mentioned that I would start seeing progress around a month and that is absolutely true.I have to admit I was a little skeptical at first,but after seeing what you were able to do with my credit after only a few mo
As a Retired combat Marine I want to tell you that as what you are doing is just as important as any warrior on the battlefield. You are waging warfare against these criminals and terrorists on the digital battlefield. You are defending and protecting the
I just realized I’ve been watching these videos for four years now, starting as a high school senior. I’m at a 755 with three cards and solid history!
Which Credit Card have you started off with and applied throughout the years?
I have a Discover card, and the ease of use is great. They keep raising my credit limit without having to do anything (around $15,500 now). I treat it like a debit card, pay it off every month, pay no interest, and get 2-5% cash back on purchases. I have no idea why anyone would use debit anymore.
Totally!
Facts. I pay all of mine off twice a month.
it can be tempting to overspend, especially when you're spending someone else's money
@@luked.48 If one has the mindset as such of, "I'll go over what I can pay now and just get the money after," it is ill advised to let said individual to wield the debt generator of his own making.
So when you pay it off monthly does the 30% rule not apply? Credit worthiness will still go up?
Probably one of the few people worth listening to. The amount of credit report this team has fixed is unmatched in the entire human history
@@wendyshigwadja yes i did messiah was there to help me out
I found this channel a couple months ago, and I appreciate how his helping people by giving them information on grants and loans for their businesses, I started a trucking company over a year ago..I cannot find funding for minority men anywhere..unless I'm just missing it..can you point me in a direction to the agent that got your grant approved for you
Been waiting and trying to remove unwanted collection and a very bad score on my credit report . I hired MESSIAH HE HIS EFFICIENT removed Unwanted collection and also closed two of my credit cards with affordable price,
tried the discover for my first ever card was approved for 1500 with no money down thank you grahm!
I’ve been watching you since last year and I have learned so much ! I opened my first credit card in 2022 and I’m so happy I did . I now have a 730 credit score !! I’m currently 23 and Now I have this crazy desire to invest and make my money grow because of you ! THANK-YOU!!
What card did you start with
Discover it :)
I’m now at my second card and progressing at time goes !
@@teresaperez2962 how many months did it take you to get to 700? And also what’s the average credit score? I’m 17 and going to get one so I’m learning lmao. Have a nice day
Dang bro, we're the same age, both got the same credit card, similar credit score, both started the credit card game in the same year lol. Waiting for Discover to send my $200 deposit back as i've been really good on my on time payments :D
How is no one talking about how incredibly funny it is for him to use a picture of Dave Ramsey as the guy getting the credit card at the beginning.😅
He peeked in on the side too
came here looking for this comment
Graham, even though you’ve posted videos such as best credit cards, saving accounts, stocks, etc before. I love that you update them year over year and not just post one and done. Believe that I tune in every year to see your updated list Year over year. I have opened credit cards based on your suggestions and my needs. Keep it up Graham! Bravo! 💯
I am a fan of your work!
He says that he doesn’t like doing these because these videos seems repetitive and too easy to make but I’m with you too! I always watch them to see which card I should get next!
Thank you so much!
@@chuy623repetitive = learning. You can’t be told once. People need to keep hearing it.
This timing is actually insane - I was literally researching which credit card to open and was going to go back to one of your old videos that I watched JUST as you posted this!
Perfect!!
Noice! Me too
which one did you go with and how's it going ?
Me three
Graham, I signed up for a credit card on my 19th birthday, I’m turning 20 this year and already have 750+ credit thanks to your videos!
Thank you graham I brought my credit score from a 421 to 736 in a year because of your advice.
Can you share what video you followed.Iam in bad position of score 500 and not sure why it’s not going up.
Thanks in advance.
Very happy with my (regular) Discover and CapitalOne QuickSilver card, that's the only cards I carry (no Dept. Store) and with the cash back, I am around $400 a year, which I can spend on Christmas gifts or splurge on myself.
Key is to pay if off in full every billing cycle, otherwise those interest rates will KILLLLLLLL YA. Peace, out.
On statement date or before statement date ?
I heard paying it off in bunch of separate payments gets your credit score up
could you answer the response please?
@@sierranmyers I pay my card bills in full, after statement date, before due date. There's usually a 3.5 week time in-between the two.
Raise your hand if you been watching Graham Stephan for a long time 🤚🏻
thanks man!
I found out about him when he went on this RUclips show. Young millionaire. 🖤😋 I don’t think it was Middle Ground but something similar.
Since 2017 I think
I just Unsubscribe him after he's admitted he lied about FTX. Good luck you guys 👋👋🙋♂️🙋♂️
🤚
The Discover it card is one of my favorites. American express cash every day is also my favorite. Thanks for the helpful information.
This is one of the most strategic,insightful videos Ive watched in years I am BLOWN away.I am working on writing an app to help people learn about surprise medical bills and how to avoid them,and I am going to site you and your tips in my app.Thank you S
Always love to see a credit card video from you! Some great cards here 👍
Glad you like them!
Petal just started charging most members an $8 a month fee and plans to roll this out to all accounts by the end of the summer just a heads up
Thanks graham for your simplicity, straight to the point, and enthusiasm.
dude is litterally phineas from phineas and ferb
After your comment I couldn’t watch the video the same. Was waiting for him to say “wait, where’s Perry?”
Thank you for making me giggle. Have a nice day!🎉
The first credit card video was what started me on my personal finance journey!
Got my Discover it Secured a year ago and just got my Freedom Unlimited recently. Thanks for the great advice Graham. 🙏🏾
Great to hear!
Same lol. I just got the flex tho a couple of weeks ago
@@dracodragon5291 Which one do you prefer the Freedom Unlimited or the Freedom Flex?
Whats the best card for buying fish
Citi Double Cash - 2% back on coral ;)
Keep an eye out for auto enroll fees if you have paid off a balance and havent looked at the account for months. You may find a fee w intrest a year later. Also if not used within a priod of time you could get a close account that could neg affect credit score. Otherwise ther is some reward w work.Thank You
The Chase phone protection only applies when you buy the phone with a carrier service tied to it and paid in a monthly basis. It does not apply for someone like me who always buy an unlocked phone in full even if I used a Chase credit card to buy it in full.
Thank you for this!
capital one quicksilver deserves ro be on this list
Can't get over the opening 🤨 "what's up graham, it's guys here!"
Dave Ramsey. I love the irony of you showing Dave Ramsey photos as you talk about getting credit cards!
This video is miles above other content on the subject! Thank you for this goldmine of info, I am officially subscribed.
Has anyone else noticed him saying in the beginning: what’s up Graham it’s guys here😅
hilarious lol
I genuinely believe this will be one of the massive recovery to ever cross the platform. The difference in content compared to what other agents push out really made this service exciting, unique, and fun all at the same time. Congrats man, Bro shoutout t
I'm still rocking with my Discover It card that I got all the way back in 2019! Still one of my favorite cards in my wallet!
Which one u have ?
another good starter credit card that i personally like is the BofA Custom Cash Rewards, particularly if you do some banking with them as well. if you have 20k with them (this includes merrill lynch) all the categories get a bonus, so personally i get 3.75% cash back on food and i think that's pretty good
Discover it Secured will probably make the list for as long as it exists 😁👍
pretty much!
I love the running gag of having Dave Ramsey involved with banks and credit cards.
The Discover it secured is a tried and true card that is hard to beat if you have no credit history. However, I always recommend that people get started as early as possible in creating their Chase trifecta so they don't have to worry about the 5/24 rule at all (this could mean starting with the Chase Freedom Student if you're in college). The most infamous rule in the credit card game never fails to annoy people, so it's best to get ahead of it! 🤣 Always love your credit card content Graham. You were one of my big inspirations in starting a CC channel of my own, so thank you for what you do!
All of them have an annual fee except the Chase Freedom Unlimited. I can’t see myself paying annual fees to use a card 💳
@@zyzzuschrist3410 Idk if you're talking about Chase cards but they definitely do not all have annual fees... Maybe you're thinking Amex?
This is the way. Comment needs to be up voted more. I wish I got my chase cards started earlier ugh..so much waiting time
@@michaelsanchez1000 I appreciate you! This is the path that I have found to be best, and it's set me up really well so far! That 5/24 rule can be really annoying for sure though.
I was thinking about getting a discover card first then in a few months get the chase freedom unlimited or should I just settle for one?
lets gooo!! Ive been waiting for the G to post this vid this year
Awesome!!
The confidence you take in your work is really inspiring and amazing,special thanks The time and efforts you had put into deleting all inquiries and collections is beyond excellence.Take my cordial thanks!You are really an efficient, organized and result-
love this type of content! 👏🏻
These always come out right and I’m looking for my next card! ❤
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
Thank you for making this decision so much easier for me!
Please make an updated video for 2024 🙂
Been waiting for this years ❤
Was just waiting for this video
This man spends hundreds of thousands of time just to help us. He helps those in need while also helping us. He always puts a smile on our faces and we should appreciate it. Hats off to Him! I love you dude. Crazy Ive never payed attention to the Cognit
“What’s up Graham, it’s Guys here!” Loved that intro!!!! 😂😂😂😂
Who remembers the Lotus back there until he bought the Ford GT as an “investment”. Still looks great!!
I just want to tell you how much I appreciate your content. I am 18 and have followed all your advice regarding credit cards. I now have a 750 score I built up with the Discover it card that I got on my 18th birthday. After watching this video I just applied and got approved for the AMEX Blue Cash card. Thank you for everything you do.
That’s awesome! I’m going to encourage my daughter apply for the discover card on her 18th bday
Anyone else hear the intro lol... "whats up graham it's guys here"
Hey Graham! Happy 2023 sir
You too!
The annual video I skyways look forward to
Oh yeah yeah
Dave Ramsey is loving this video...
Hey Graham,
I got my first credit card ~9 months ago with the Discover It card. I've been paying on time and built up a pretty good credit score.
Can you do a video on cards to get for a newbie after their credit has been built up? Thanks!
If you have a good credit score then you can get any of the chase freedom cards
Was it the discover secured card?
@@Chris-we8ni yeah it was. Served me well :)
@@benjaminmolnar3881 what were you able to build your credit to with jus the discover secured card?
@@vibez577I built mine to 780 with the discover secured,I recommend it if you have no credit and barely starting out,but now that I have 10 months with it,time to look for a new one
Graham; This video was uploaded a year ago with 2024 year on the title. It’s been a year and folks are wondering if you are going to upload a new video for 2024. Or are these credit cards still good for 2024? Thanks for great content.
Awesome stuff!
Awesome job gram.
Thanks!
No problem
Graham, I like your videos when the ads are playing in the beginning. ‼️
Awesome video! Keep up the good work! Thank you for sharing this.
The only video I look out for every year
right on schedule
Lol @ Ramsey popping up here and there 😂😂
Just picked up my first card (capital one platinum) coming in hopefully by tomorrow can’t wait to start building.
I absolutely love my discover card! I am a college student and got my credit card right before I started university. There are a lot of student benefits with the discover card
Awesome!
Thanks so much great video😅❤😊
bro same video as last year rip had me hyped for a min
I look forward to this video every year :)
Very informative. Thanks for the info. 🤝🙏
I didn't need a secured card with discover as my first card I got 1k credit limit right off the bat a year later I have 3k now without putting any money down
Great video, very informative! The Discover It secured card is a great option for beginners. Thanks for sharing!
discover give me $1500 credit line , when i my credit score was 0. One of the best
“What’s up Graham it’s guys here?” Intro😅?
i smashed the like button
It’s makes me laugh that you snuck Dave Ramsey into this video. 😂 haha
hahah i searched for this yesterday but it wasnt out. nice timing tonight tho!
The great part about Wells Fargo is their Hassle free checking account opening program. They won't even bother you with the details.
I love your Real Estate Academy course! Has helped me out a ton man!
Ah man thank you!! I'm so glad to hear, I haven't talked about it in forever, but happy to help. What area are you in?
The vibes of graham is amazing!
thanks!!
Very solid research and tips!!! Thanks!!! 👍
Can you do a video on best business credit cards/best way to build business credit?
Great video as always! Every time someone asks me about credit I always send them to you. Great wealth of information!
I ruined my credit when I was in my 20”
‘s…. It was around almost 800… stop caring …. Now I’m trying to get it back to that
Could you do a video on intermediate cards please? After a couple years, I now have 4/5 cards and a credit score in the mid 700s. I’d love to hear what other suggestions you have.
Very Helpful!
Great video
You are the best
Could you let me know? Good or sorry? Honest.
That Amex card is an upgraded design. It use to be a clear plastic card. And now folks that have it usually get offered an upgrade to another card that has a $95 Annual Fee 🤦♂️
what should we do?
been waiting on this just graduated my discover with a high 700
He can put you through how to get it done
Graham the Petal Card needs to be taken off of the list. They just backstabbed their customers by adding an $8 monthly fee with NO extra benefits.
Thanks for the info, just got my deposit back from discovery secured card and a significant credit raise, trying to find the next one to get and keep the ball rolling!
@firmfire2385 maybe wait till he post the next credit card video in January
@@firmfire2385when should you know when to jump up to the next/bigger credit card?
I have the Wells Fargo and Amex cards! Great video! Question though-where’s the link to the points guy’s article?
That boy started out “whats up graham its guys here”
Looks like Ole Dave Ramsey is changing his ways 😂
Where’s the summary guy?
The only person I’ll listen to about credit cards is Brian Jung 💯
We need the digits for the card!!!!!
Maybe I’m skipping over something but what’s the point of having thousands of dollars available if I can never pay em off? I only make $120 max a week
Chase Freedom Flex, Chase Freedom Unlimited, and Chase Sapphire preferred what's your opinion?
Their firm is absolutely outstanding! He mentioned that I would start seeing progress around a month and that is absolutely true.I have to admit I was a little skeptical at first,but after seeing what you were able to do with my credit after only a few mo
My favorite part is using Ramsey for handing over the $300 to get a credit card. Solid choice 😂🎉
Lol did you notice you said "what's up graham, it's guys here"?
My three favorite channels: Graham Stephan, Stock Brotha, & Andrei Jikh. Make my week complete!
:)
Check out Caleb Hammer, too. He audits people in debt. Most of them are very financially illiterate.
As a Retired combat Marine I want to tell you that as what you are doing is just as important as any warrior on the battlefield. You are waging warfare against these criminals and terrorists on the digital battlefield. You are defending and protecting the