it really depends how much credit you have. I have $472,450 credit with 32 credit cards so .04%-0.07% maximizes my credit score to 850. if I go under or over my score drops to 848

06872 Volkman Circle

Please make a video on investing. Where and how do I begin 😬 ( thanx/ love ya)

Glover Alley

Okay, I got a question and I see that this video is a little old so maybe I won't get a response but I have about 5 credit cards and I paid off one of them and my score dropped 47 points, which is ridiculous. It's revolving credit. I still have a good mix, so why in the world Would my score drop forty-seven points ????

934 Gabe Creek

3969 Gilbert Field

One percent better!!! 1-3%spending on each card 2000cl ? Spend 20$. Every other month. Pay off after statement report date

Girl, lemme take you to denny's 🔥

Wait, I’m confused what do you mean? You’re a first generation Latina were your parents not Latinos??? 🤷🏽‍♂️

Abel Harbors

5703 Ladarius Ways

Luettgen Flats

They taught us sh*t in school instead of this. Thank you for this

912 Torp Brooks

661 Lang Motorway

Ebert Fork

Herbert Forest

Holy cr*p that girl is absolutely beautiful

Everyday i check cibil score why my cibil score is down why

Thank you! The MOST useful & easy to follow video explaining stocks & compound interest.

Hello 👋 👋 👋 O percent so far hasn't helped, I use it, but I pay it down right away. I thought if the credit card issuers saw activity that was good enough but it seems it's not. I'm not sure if the credit bureaus are seeing that I use my credit cards? Note I use credit cards a lot. I just pay it off and don't let the balances report except for maybe one credit card and I try to keep that under 3% but overall utilization seems to report a zero consistently. Do you think I should be doing something different?

Wintheiser Parkway

I wanted to say I followed your advice 4 years ago right before the pandemic. My credit went from low 500s to 760+! Thank you!

This video is 7 yrs old (still helpful) and i wish 15% was standard! All I’m seeing is about 25%+

Very helpful, thanks!

They're going to charge you a much higher 30-50$ for insufficient funds even if you don't have ODP (and can be done multiple times), which personally I feel should be illegal. Why would it cost it more than a handful of cents for a banking system to say "no, we're rejecting this transfer because the account has insufficient funds". Even back when banking was more manual that would only take a minute of a banker's time, but obviously for many decades now banking has been thoroughly automated so that it's just a matter of milliseconds of machines pinging across each other for this same sort of effect. It shouldn't cost anything at all. Insufficient funds charges should be illegal (unless it's using something like cheques where you're promising a person money and hence they may have already given a product or service in return for it)

You cute

Very clear video

Paid off a 4k credit card that had been taking my money for years.

I never even thought about borrowing money from family or friends. I would be so embarrassed.

I have 41 active cards all on autopay Works great

Now we have 5.5% compound interest from banks, still though we were better off 5 years ago with low inflation and Trump's economy regardless if you like the man or not

This was the third video I tried, and the only one that actually had a coherent explanation for how this works. Thank you for keeping it simple.

The One and ONLY That changed my credit 💳 score FOREVER 💕😍🥰. Good to see you still making content since your utilization video you schooled me on. Thank you 🙏😊

Stunning 🥰😍

Great information ℹ️ ❤

K lol k mi loca. Lol 😂 i have never used i budget. I had a HYS but i stopped using it because i saw that i can get higher by using options trading. Lol. I live in Miami and have family in NYC also. My Robinhood account has $195k last yr i made $40k just of options. 🤷🏾‍♂️

I’ve grown sick of a “friend” asking to borrow money for the third time who lives in a 3,000 sf home with her husband and 24 y/o son and makes $93K+ alone. She’s always paid me back but it slows me down in putting money towards my HYSA. So I’ve decided that next time she asks (and there will be a next time) I’m going to tell her, ‘no, but I’ll teach you how to manage your money’. If she insists that this will be the last time, I’m going to say, ‘Fine, but I want an extra $100 as a fee’.

Awesome video, thanks for sharing.......I'm informed!!

Great video - really helpful 😁 Thanks for sharing ✨

i am looking at this video NOW (after 4 years), but it was so helpful - so thanks and keep it going...

straightforward answer, i like it!

Don't be naive they are not just taking your money but your time sacrifices you made to earn that money. If they need a loan they can go to a bank or their parents can help them, there is no room to ask friends. You are enabling them, I will guarentee if they ask you once they will ask you again

%0 utilization is a sure fire way to get either your credit limit lowered or your card closed altogether.

I wanted to learn how the nen abality worked lol

You can use cash advance to your advantage. Use the cash to pay towards your loan principals. But I get the cash advance from the bank which is Capital One Bank. Yes they do charge a fee upfront. But the fee is not high to me. Loans are worst that Lines of credits. Just saying. It's working for me

Thank you so much for help clarifying the concept of Compounding and how it works when you don’t earn interest in Stock market .

I’ve had a credit card and i’ve paid the minimum fee over the past year monthly. The interest rate just is now 29% , if i pay it off in full , will it still charge me the 29% ?

About to setup Second credit card from a 500 lim to a 6000 as have now got a new job making 1,200 monthly. I’m looking to make a purchase of 4500.. 0% for 12 months and 29%apr I’m about to do it now.. just checking that’s all fair correct ?