Citi Premier & Penfed 2% is what I‘ll roll, when I can get my credit score back up, been still dealing with not able to get a job at all, & I’m broke, had to use my discover it card & venture card to get food & pay my phone, now no longer have phone to continue to find jobs, & family is all busy doing their own thing so now it will take longer to pay off my cards (hurts me emotionally cuz I always paid my cards off right when it posted to the card)(I live an hour & a half away from employment, no vehicle, no license & no help rn) great video btw, very in detail. Edit: I used to have a job that paid me a decent chunk, but lost it 3 days before Christmas, a co worker lied & got me fired, been having bad luck with finding a new one especially cuz I have to ride with family or friends but everyone’s busy or moved now. (Oh- note my credit score even with my 2 cards maxed out is still 640-680, they’ve been maxed for the last couple months, which is surprising since I’m shocked it hasn’t went to 500 by now 😢.)

This is one of the tricks HYSA companies are doing. The comment below is from another HYSA member. If you have any problems with your HYSA company, you should post it online so other people can learn what to watch out for. We need to look out for each other. Thanks. "Not that it’s likely any longer(rates increasing), but be aware if rates go up, they won’t automatically bump up your rate. I started the 1st UFB acct then noticed a higher rate advertised later but my rate stayed the same. They simply renamed the newly rated product available to new customers/accts. So I just opened a new account with the higher rate and transferred the balance. Then it happened a second time. So I have 3 accounts, 2 empty and the newest. But if I didn’t happen to check periodically my money would have been sitting earning about a percent lower this whole time…"

Hey Daniel I just approved to Chase Unlimited. And I received a pre selected offer to Chase preferred with 90,000 sign up bonus. Do you think should i apply for the Chase preferred even tho i just approved to Chase unlimited?

I had my player 2 sign up for the 10x offer and she was approved, I am stoked. I have a freedom flex, freedom, and csp myself already.

Where can I get the Braun Budgeting Template 2024?

Fidelity CMA: SPAXX @ 4.96% FZDXX @ 5.14%

Hey my friend. I’ve been thinking about this one a lot. I find the dining credit at best inconvenient, and at worst a complete loss. If I have to change my plans to get to a Shake Shack, a place I rarely went before I got the Gold, then the card is driving my life - not good. I don’t live in a city, so rarely take Ubers, and Uber Eats, even if I pick up the order is more expensive than ordering directly from the restaurant. So, I’m not getting the Amex-stated value of those credits. So, I’m leaning toward canceling at renewal time. There are too many solid options out there for food without playing Amex’s coupon game. Hope your spring/summer is going great!

Store Credit Cards can be tricky with terms and conditions if you do not quite understand what all of the fine print means. A new InstaCart Credit Card offering turns out to be a charge card, with what you ever you purchased is due in full with the next statement sent to you. In two other recent incidences the store is changing out who they want to do business with as their banking partner. Since I have credit cards with those two banks already, that for me was not a good idea. In another case the store went for a Chapter 11 BK proceeding and it took awhile for them to sort out, if they were even going to have a web presence? Some one thought they would jump right in and on certain select days of the week spoof the website and collect lots of money from gullible customers. One week later... one would find these customers going into the store that was closing to complain, only to find out they had been hustled out of their money. or had been impersonated for an ID theft.

10:25 I thought that was a typo seeing those annual fees but I looked it up and my mind was completely blown lol 🤯 I can't imagine spending that much just for a credit card!

You put a travel card in the top tier? Did you research how many people can get their money's worth out of this card? Do most card holders spend $4,000 dollars in the 1st 3 months of opening the account? Do most card holders use "Capital One Travel"? Can most card holders use 2X miles instead of cashback? What portion of card holders travel enough to even get their $395 annual fee back? I use my card at the grocery store, the hardware store, at the restaurants, at car repair, at the gas pump, on Amazon, on and on. I need a cashback card with no annual fee that I can use EVERY day. A specialty card like that should be compared with other specialty cards in a separate video. Your ranking is apples to oranges.

Im digging that speed master moon watch! Watch collection video soon??👀

Thank you! Does it work in Canada please.

I just got this card and I DID receive the 5x points for 5 days in my email! This is perfectly timed as I'm moving out for the first time-- I used the point boost to buy a mattress and bedframe! Thanks for the tips!

For the corporate card credit, can you enroll for it after having an existing personal amex card?

Is it true that the Audible credit is now unavailable?

superb ..great job thanks

Gawd you’re annoying. Talk too fast. Just put it on the screen. No revelation

Why can't you just get the cards you want across multiple banks? Me personally, I like 1) Citi Custom Cash 2) Chase Amazon Visa 3) Amex Blue Everyday 4) Sofi Unlimited 2% That's my quadfecta

I got S & B

Yes I just got my Amex Blue today.😊

You didn't mention the $5 Lyft credit or the Bilt dining network. I am in NYC, there are a million participating restaurants here.

K. Anyone that can answer I appreciate the time. I’ve listened to all the videos. I am still missing something. My die are shows before the statement closing date. I also am hearing that leaving a small utilization as opposed to paying off completely is sometimes beneficial. But what I’m not understanding is how to keep a small balance to show a small utilization without that balance incurring an interest fee. Can someone explain this to me because even chat gpt isn’t making it clear. I’m not gettin it. Especially because my due date shows as the 23rd and the statement closing is on the 28th

This video was really helpful. It made me realize an additional step I need to do with my current budget. And I love the visuals. The best budgeting information I’ve seen so far.

Is there any idea when the 10x grocery category ends?

Would a 5000 down payment on a car (assuming I’m not not getting cc fees by the dealer and paying it off right away) count as a eligible purchase towards the sign up bonus?

American Express are useful 820 credit score. Only for status . You want cards with limits . They look better

Hey, do you know if these cards have a 0% intro APR

Needs time stamps to get my thumbs up. Not a bad video tho so no thumb downs

How do you guys do it for a living? You can only have so much points.. do I have to start a youtube page too? 😅😅😅

I searched around checking a bunch of browsers in incognito. Funny enough only Microsoft edge browser was able to find the chase freedom flex 10% grocery offer. All others only kept giving me the 5% with the $100 offer. So whoever is interested now you know 😊

Why would you choose to combine the chase trifecta with the capital one duo in a 5 card rotation considering many of their benefits / spending multipliers overlap each other? (Really curious to know, i have the 4 cards myself & i was considering considering getting the venture x)

9 cards no judgement brother

I had a friend who worked for a credit card company and at least once a month someone would call and ask when the balance would be "refreshed." They thought the limit was a monthly allowance. Don't be that person.

Daniel have you done a video on balance transfers? I'm in a pickle and want to know more about that option

Thank you for the video. I know I definitely wouldn’t want to deal with multiple cards and try to keep track of all this lol Honestly the thought stresses me out with them changing that I don’t want to use them at all 😅

i have $300 credit limit but i want to use all of it since i travel for work & be paying it off that same week when i get my paycheck can that affect me?? or is it a good way? im just starting out i have no credit

i have $300 credit limit but i want to use all of it since i travel for work & be paying it off that same week when i get my paycheck can that affect me?? or is it a good way? im just starting out i have no credit

I am currently gardening now but once I am done I am thinking about getting this card. I am also hoping they will have added mortgage payments by then. If not and I get this card, couldn't I still use it to pay my mortgage with a 3rd party like Plastiq?

For anyone looking for the 10% grocery bonus from the freedom flex, just keep opening and closing incognito windows and the deal will change every time. I had to open it like 10 times or so to get the offer.

Damn, now I’m salty I only got 125k 😅

I STARTED MY CC JOURNEY JUSTLAST YEAR AND UR THE GUY THAT GOT ME STARTED. THANX, I GOT A NICE HUNK BACK LAST YEAR BECAUSE OF U. IM ON A FIXED INCOME SO ANYTHING I GET BACK HELPS! ON THE CFF DOES IT INCLUDE ONLINE GROCERIES? AND WHAT CARD CAN GET ME 5% BACK ON MEDICAL? (didnt mean to yell!)

DOES THAT INCLUDE ONLINE GROCERY ORDERS?

Is there a cap of how many points you can have

Great video! Learned a hell of a lot more than I knew before.

I use PayPal's version all the time. I even have a line of credit from PayPal with 6 months no interest on $99 or more. It is not a replacement for credit cards or cash but it helps with emergency purchases sometimes and it doesn't increase your debt to credit ratio if it is a new loan and not a new balance on an existing revolving credit card. I used it to increase my credit score significantly.

If you take a cash advance, it can trigger interest on your whole balance from the date you take the advance. Be careful!

How much does hit hurt to close a card

People gwt credit to use it. Ustilize is as you wish. Just make sure to pay it down when you ask for more credit. It doesnt matter when you arent asking for new credit.

can you transfer american airlines miles?

Using it on only very select items is ok.i wouldn't use it on everything that would be just stupid.I just purchased a phone using Klarna because I really needed a decent phone for work it's fine.