A credit card to build a Credit score

[@Eezow]

my credit score literally went from -1 to 654 in 4 months just by following this video alone, thank you, Bunny!

[@refiloeisrael6148]

Thank you for the testimony my brother, did you use a mixed credit facility or just one credit card?

[@Nogood_Sobad]

I'm on - 1 😢

[@refiloekobedi20]

Thank you for your comment. I am on -1 and I believe that I will significantly improve before this year ends.❤

[@Eezow]

@@refiloeisrael6148I used only one which is FNB and I used a very low limit because I didn’t want their money but only the credit score

[@Eezow]

@@refiloekobedi20it definitely will 💯

[@whitneynovela406]

I don't understand why they can't use the fact that we pay rent consistently as a proxy for credit? The whole reason for the credit profile is to show that we can pay debt without missing a payment.

[@kekethekoeng]

Yes 😭

[@ChakraZulu1]

Times have changed. Rent and certain utilities now count as a a credit boost ✨

[@siphokazibooi7375]

Rent 😂

[@itumelengmotloung88]

Or insurance 😂

[@zamaguma99]

Thanks Nicolette. This has answered so many of my questions around credit. I am no longer afraid of ruining my life by signing up for a credit facility. Credit is good! Credit is a tool!! Credit cards are a great way to earn trust to use the tool!!!

[@thandiwendwalaza7886]

This video is so awesome!🔥 Especially for me since I’m a young professional trying to ‘adult’. Thanks Nicolette ♥️

[@AndiswaMojapelo]

Nice one Nicolette! As someone who hates bad debt, I have really found comfort in this method over the years because the benefits literally far outway the costs , if you use it the way you are supposed to though. The other other benefits I enjoy are how easy it is to transfer money into a credit card when you are ready to settle ( I feel like some creditors make it difficult on purpose ). I'm also scared of debt so seeing that amount everytime I open my app is a motivational benefit on its own. Discipline will always be a factor in all areas of finances be it investments, savings or not touching your emergency fund. There's no running away from it.

[@oliviaarnold9629]

I will forever appreciate this channel "Financial Bunny". You've helped my family a lot,since the pandemic till now your advices and lessons are inspirational and helpful to us. My husband and I have been able to be minimal, conscious in spending,saving and lnve,sting wisely. We have able to earn on a weekly basis and it helps the family a lot. You're such a blessing to this generation. We all love♥️😊. I'm so happy to join you today too

[@danyloyegor6311]

She is more than a blessing to us. She has changed a lot of families and teenagers for good. We all love you ♥️

[@danyloyegor6311]

Since my colleague introduced me to this channel, I've never missed a content and I'm happy and I'm proud of myself because I've learnt and taught my kids a lot. I'm happy for you dear keep it up👍

[@penelopechloe6017]

Very happy for you dear keep it up we all know this channel help people a lot and gives us positive decision. Every individual will like to gain this

[@oliviaarnold9629]

@Russell Matthews I can share some that helped me 1. Plan towards it 2. Be frugal an minimal on spending (Don't buy what you don't need) 3. Save money wisely towards retirement 4. Save to (lnvest),it's a proven way to get richer. Very important to fina,ncial success

[@oliviaarnold9629]

@Russell Matthews There's a lot of lnve,sting options(401k,real estate,stocks, cry,pto,airbnb,ETFS) but my best advice is get the services of a professional who will lead you into a successful and profitable one

[@sbonzama7013]

Credit cards are not evil as people make them sound. It's all about discipline. I have 2 from different banks. One limit is R67k & another is R110k. As you say I use it only for purchases, debt orders go off my cheque acc. I settle it in full when I get paid. No interest since i settle it before 55 days. I know my monthly budget, hence I don't over use or spend it. I just use one, the other one is just nje for control, a back up!

[@GodAboveAll888]

Which banks are the best

[@Ctizen_sK]

Man u are brave, i got 2 as well thou.

[@preciousprecious7581]

I would never advice anyone to have a credit card,90% of people are never discipline with it like never!Why can't you save your own money and have that as backup for control

[@mellisamabhikwa2630]

Your energy is amazing Nicolette, I remember chatting with you at Wits University after your talk...you're a blessing

[@user-kz6yp1gu9e]

Thanks for the feedback, hit me up directly I've got business strategy for you

[@user-kz6yp1gu9e]

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[@mellisamabhikwa2630]

@@user-kz6yp1gu9e Please stop.Just STOP

[@thegoodgameryt]

So so so happy 😉😊 -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- After reading so many articles , reviews and suggestions I found out Mr Looper was really helping people get their scores right on excellent so I also hired him and today I'm now having 800s on all bureaus with my negatives removed totally . Thanks to [e-mail]

[@lindiwetsope919]

Thanks so much for this video and all your other content but this one especially because it speaks to us who are literally new in the game. Most content, while helpful, speaks to return soldiers and people wanting to FIX credit score and less to us starting from the ground up. Thank you!

[@godfreyjeffery1713]

The greatest glory in living lies not in never falling, but in rising every time we fall.

[@sussanletcia5144]

That is true.

[@larryleonard6406]

It's not whether you're right or wrong that's important, but how much mon'ey you make when you're right and how much you lose when you're wrong. I don't look to jump over seven-foot bars; I look around for one-foot bars that I can step over.

[@larryleonard6406]

Rich people plays the money game to win. Poor people plays the money to not lose. The goal of the truly rich people is to have massive wealth and the poor sees it as surplus opportunity for consumption instead of investing it. change your mindset and do what the rich does, which is investing, investing and investing.

[@georginabryant3558]

Everyone knows crypto! currency is not a gamble, It's an invest'ment to compete with the rich and the government. Everyone can do it no restrictions and if you get it right, it can make you wealthy.

[@saponzeruzz8341]

anyone who is nt invest"lng now is missing a tremendous opportunity.

[@siyabongasindane8478]

LOL You're a teacher indeed!!! A HUGE THANK YOU

[@boitumelonkabinde7185]

Haha I was reading the part about credit scores in your book this afternoon and now this video. Ai Ma’am I hear you loud and clear

[@ndimlo2906]

I had to browse a lot just to get your opinion on credit cards. Too much love for this soul

[@Eatsomemore]

Most major banks have a 55 day grace period if you manage your credit correctly you will be able to have 3 paydays before interest is charged. Love you content, you really helped me manage my money a lot better when I started working.

[@edwardcollins9827]

Forex

[@edwardcollins9827]

Forex

[@gracehlatshwayo2789]

Bets timing Nicolle. Thank you so much❤️❤️

[@zinhlecindi9121]

Thank you for this. I have been looking at ways of building a credit record without actually paying interest and the credit card option is really helpful. But like you said it can only be helpful if you use your own money!

[@lesegoyv]

I have been thinking of closing my credit card, but you are the second person to mention that one doesn't need to close it, instead put extra money on it and limit yourself to only using what you put in on it. Great advise for credit score fix. My credit score went down last year and I want to fix that.

[@lesegoyv]

Am here again and I am on 645 score.

[@alltechnologies7486]

@@lesegoyv how did u fix it? by doing what is said in this video?

[@obakengleseyane6493]

This got me thinking about one of Murphys Laws which states, "In order to get a loan, you first have to prove you don't need one". Great insights as always🧠

[@user-kz6yp1gu9e]

Thanks for the feedback, hit me up directly I've got business strategy for you

[@user-kz6yp1gu9e]

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[@Missmots-z4i]

Thank you 🥰

[@zeeSokhela]

I have a great credit score but no credit so bank won’t give me credit. It’s a dizzy system

[@emmanuelmadi]

Been contemplating about a credit card, I have now found y answer. Thank you a million times

[@nomondehlophe7726]

wow this video just changed my life. thank you sis😍🌹

[@the_drive]

So basically you add money to the existing limit and use that money through a credit card?

[@dominicmokgatle]

Got declined for Nedbank Gold Credit Card and Capitec with a credit score of 590 and a salary of more than R10K. Feedback I got from Nedbank was "Unfortunately your credit score did not meet the requirements for this product" 🤔 as for capitec they couldn't give me a reason yet they offered a personal loan just above 200K. I'm still not sure about the requirements they want but I'm hoping to qualify for one in the next few months.

[@zinhledlamini4587]

Try standard bank

[@treasurem2491]

Dont fall for that loan trap, the interest rates are crazy high.

[@nomthandazoxulu9830]

Thank you for this !! The biggest thing with credit cards is definitely discipline.

[@user-kz6yp1gu9e]

Thanks for the feedback, hit me up directly I've got business strategy for you

[@user-kz6yp1gu9e]

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[@user-yj2em2wi2s]

Wow I really needed to watch this video Thanks Nicolette 👍🙏

[@noluthandomadela]

Thanks Nicolette ☺☺☺

[@judasmohuba1452]

Thank you very sister I am glad I saw this..

[@princemadileng7950]

Thank you so much for explaining this💯🔥

[@paulinemahamo5150]

Thank you Nicolette...guys pls 👍 this video...it deserves more likes . You are the best 👌

[@user-kz6yp1gu9e]

Thanks for the feedback, hit me up directly I've got business strategy for you

[@user-kz6yp1gu9e]

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[@paulinemahamo5150]

@@user-kz6yp1gu9e I'm not stupid.

[@nomvanoduma9221]

You are so good at what you do.

[@charles.m.molema4758]

Simply Beautiful . . . I've come to learn that if I dont have something then why bother. Credit comes with emotional blackmail & initially used as a hold over you to justify whatever given personal agendas. From my own personal view. Applaud The Financial Intelligence 👸🏾

[@charles.m.molema4758]

Wanna be the Gin to your juice 2 in 1 combo otherwise nice spin - Not original I know - officially retired . . . Need to focus the elements aren't in my favor. Cant afford anymore screw upsups-I see them twice.

[@charles.m.molema4758]

Love those croissants with the cream filling,a very delightful bite indeed . . . There's no signature emoji so this will do ☑ - consider it a great adjustment

[@nkwenkw3zi]

Thank you!!

[@themavilakazi]

Thank you!

[@artafrica639]

but what are you saying then about those who are older who have already messed up theirs, who are trying to repair their credits ratings? are you saying they do not matter?

[@otengmogoeng2939]

🤯OMG! This is incredible. Thank you so much.

[@leratolegae1846]

I’m OBSESSED with your channel hey ❤️ thank you

[@hbooijr]

Love you Nicollet ❤️❤️❤️👌🏽

[@judithjikumlambo8173]

This has been sooo helpfull thank you sooo much..do you perhaps have a video for cheque account and what are the benefits except the rewards of launches etc.

[@nqabisatsotso7136]

🙌explanation is 👌❤

[@ClubtheAnalyst]

Great video Sis

[@mihlanondaba]

That moment am planning to apply for a credit card. Thank you so much!

[@pamellanqobilesambo115]

Well elaborated. Thank you so mych for this! ♥️

[@xolaspeelman3103]

Thanks Nicolette, this is very informative and encouraging for me to attend my debts so I can have a good credit score. It makes sense to deposit some of my money to the credit card so it can reflect as used. Credit facility now cleared to me. 🙂

[@user-kz6yp1gu9e]

Thanks for the feedback, hit me up directly I've got business strategy for you

[@smith1979]

Non related question, but I would like to know what is your view of investing in precious metals ( Krugerrands )?

[@nosip9950]

Oh my word! I was just doing some research on this! Very timely content

[@karabomotsomi84]

I did something similar for my BCOM Honours. My focus was on university students and how they could use credit cards to start building their credit scores.

[@karabomotsomi84]

Nosi, can you tell me more about your research?

[@zinesobanesigonya9196]

@@karabomotsomi84 I'm a student and sincerely haven't found a video or read upon on how can students can start building their credit score (besides opening a clothing account). Mind to share please?

[@tshilidzimagada4494]

Thank you so much definitely needed this video! Wow 🔥🙏🏿

[@cnmabona9431]

Sorry for this content non related question, where can I get the same wig as the one you have on?

[@khaya1800]

I feel u

[@noxible]

@@khaya1800 bruh

[@sspower325]

she did mention the shop on her insta page, i remember seeing it on her stories. i cannot remember the name thou but check her IG

[@cnmabona9431]

@@sspower325 Thank you.

[@lhathum]

Probably "The San hair"

[@gloriakanani1026]

Thanks for sharing love💞

[@onesimodyantyi3255]

I am a return soldier 😂😂😂😂.

[@thato596]

Guys It is better to pay for things with a debit card your own money. Credit card you still have to pay them back with interest if it's after 55days.

[@phaphamamncwango7094]

I can listen to you the whole day. Thank you so much for Financial Info

[@beaconbecay1648]

Debit: money entering the account, credit: money leaving the account.

[@gracelubisi7440]

I'm a return soldier 😂😂😂but definitely going to do this, thanks ❤️

[@user-kz6yp1gu9e]

Thanks for the feedback, hit me up directly I've got business strategy for you

[@user-kz6yp1gu9e]

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[@ryanjmarimuthu3445]

Please help me 😭😭😭😭😭😭if there is any company out there that would be able to help me.. Im in South Africa KwaZulu-Natal

[@secrets-cirilopedro7021]

Thank you very much

[@user-kz6yp1gu9e]

Thanks for the feedback, hit me up directly I've got business strategy for you

[@user-kz6yp1gu9e]

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[@secrets-cirilopedro7021]

What business you have. And where to contact you

[@user-kz6yp1gu9e]

@@secrets-cirilopedro7021 that's my number up there. You can give me a text on WhatsApp

[@gracehlatshwayo2789]

It's a fake account dude. Don't be excited

[@ThuthukaNdwandwe]

would you advise debit orders on credit cards

[@vuyokazinocuze7603]

Wow thank you Nicolette 🧡

[@terrymogashoa3880]

Does Wonga and Fasta pay day loans help build credit score ?

[@z.fzikode6132]

Hello. I'm new here but I heard in some of your videos that you have some book(s). My question is, how many book(s) do you have and which one would you recommend for newbies in property investment world?

[@lesegoyv]

I know 2, so maybe you can get yourself both.

[@z.fzikode6132]

@@lesegoyv thanks 😉, and where can I get them if it happens you know

[@novasounds2022]

@@lesegoyv please share the titles

[@thandekamogotsi9513]

Might be a personal question, but are you using a revolving credit facility? And are you using velocity banking method?

[@R3ndiersMurderer]

I love ur questiin

[@ryanjmarimuthu3445]

Hi all... I have been trying to get a credit card for this purpose for like months. Everytime I tried, I have been declined even a payday loan... Zero credit faci

[@ryanjmarimuthu3445]

Facilities * This is FNB....

[@itumelengbame4439]

Would you recommend this stratergy for people who are in one year contracts?

[@gcobisadziba2817]

Thank you so much. I finally understand why we need credit cards now through watching your video because I really thought credit was bad but it is actually good if you use it correctly. Love your content! 😍🙏🏾

[@user-kz6yp1gu9e]

Thanks for the feedback, hit me up directly I've got business strategy for you

[@user-kz6yp1gu9e]

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[@mmabathofakude9799]

LVD😜 it’s TLB, no worries, you don’t need to know everything…Thank you for schooling us.😍

[@theloungestudios]

how does someone start building their credit when in a bad space with debt

[@Cybernetwo]

hello guys i had an incident i was defrauded and had a credit card in december had to use it to pay for school fees and groceries and i blew it, and i also have a personal loan , home loan and now i cant keep up im stressed out i just like an advice on which one to payoff fast cause soon i will get bonus i was hoping to pay all of it that will be half of my credit card debt cause the interest rate is too high or should i distribute on all my debts. i just wanna live the way i used to with no stress.

[@markbomvana1668]

Great video financial bunny

[@sanelenkosi3262]

Im so curious, whats is your credit score Nicolette?

[@BrainyXStudios]

great content!!

[@thirteen37rose]

This video is goated🐏🙌🏾

[@ScissorN]

Great video but while at it please plug me on where i can get that wig 🙈🙈

[@cebsilelubisi5086]

For a second I thought,that hair is straight from your scalp

[@keabetswetjale7959]

Here 2 months later but arrived nonetheless 🙌🙌❤️

[@katlegomapaila5249]

Can you please explain to me if I have a loan from bank and credit card and now it's been six years without paying them what must I do to know their status because I want to start paying them

[@pepper_what]

Hi doll, what can return soldiers do keh Bona to rebuild

[@user-kz6yp1gu9e]

Thanks for the feedback, hit me up directly I've got business strategy for you

[@user-kz6yp1gu9e]

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[@pepper_what]

@@user-kz6yp1gu9e thank you so much hle

[@talanichauke367]

Thanks for the advise, can I use this method though I have used 20% of the credit facility on my credit card?

[@thembinxele76]

what is credit facility?

[@success7532]

I using a certain bank, I've a credit facility, I get changed interest once I use it. Then I think credit card 💳 better since you say mostly are 55 days interest free

[@user-kz6yp1gu9e]

Thanks for the feedback, hit me up directly I've got business strategy for you

[@user-kz6yp1gu9e]

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[@senzomhlanga438]

Anyone, please recommend a credit card that does not have any account management fees or monthly fees?

[@tim12in]

The virgin Money credit card has no monthly costs but slightly higher interest rates(~25% pa). I get 15% with FNB premier. I recommend you choose a card with the best interest rates rather than a free one. Avoiding that small monthly account cost will be expensive on the long term.

[@MsTuyoleni]

No wonder each time I want to apply for home loan, my credit score is quite low because I don’t have a credit record. Now I understand.

[@nomkhithas7752]

How low is low? If you don't mind mee asking

[@tarr1846]

@@nomkhithas7752 anything below 500 is considered high risk for the bank, you may not get approved, in the case that you do you're looking at sky high interest rates

[@mohammedtaariq5066]

Interesting video as usual, keep them coming!

[@user-kz6yp1gu9e]

Thanks for the feedback, hit me up directly I've got business strategy for you +=1=2=4=8=8=3=8=9=3=8=6.......

[@ramosedigivenmampuru2854]

@Financial Bunny TLB faaan!😂😂😂😂dead by sekgorapata!🤣🤣🤣

[@emaransat3972]

Hi nicolette, thank you for this video. I don't have credit card or store account. The only debt I have is a personal loan. I want to finish the personal loan then after I want to purchase a financed card. Me not having a credit card, does that negatively effect me when I want to buy a car?

[@user-kz6yp1gu9e]

Thanks for the feedback, hit me up directly I've got business strategy for you

[@user-kz6yp1gu9e]

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[@emaransat3972]

ok thank you ,I will do.

[@BexTure]

Hi doll can I apply for a credit card if my score is low, I'm really trying to build up my credit score

[@nandipenxa3274]

Great tips!

[@user-kz6yp1gu9e]

Thanks for the feedback, hit me up directly I've got business strategy for you

[@user-kz6yp1gu9e]

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[@zena3413]

I will try this

[@mpumiselemela]

This was very informative

[@crazygirl9952]

OH MY OH MY i AM SO GLAD

[@ofentsehilton1939]

Dankie aus nicco

[@ndodanne]

ABSA has a student credit card. Do you think this is a good idea to boost my credit score while I finish university? My parents find my schooling so I have a stable source of money while I finish my studies.

[@mariakoketsomoeletsi8871]

It is a good credit card to boost your credit score. I started using it in August but I only R55 every month, R30 for credit facility fee and R25 for account fee as I always make sure that I have the R2000 in the card before the 28th of every month. I use about R1000 at the start of every month for groceries and settle it before the 20th. My credit score moved from 0 to 500 in about 4 months

[@ndodanne]

@@mariakoketsomoeletsi8871 Thank you so much💗

[@khaya1800]

Nothing good about clothing accounts, credit money is better than anything else!

[@ThuthukaNdwandwe]

WHAT A WOMAN

[@letshololeoma6327]

🥳🥳

[@alien-kidlive2235]

i have a huge crush on you!!!!!

[@siyabongambonambi7448]

I have learned hey

[@R3ndiersMurderer]

Free education

[@Gaming2Hilmi]

So so so happy 😉😊 -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- After reading so many articles , reviews and suggestions I found out Mr Looper was really helping people get their scores right on excellent so I also hired him and today I'm now having 800s on all bureaus with my negatives removed totally . Thanks to [e-mail]

[@bilgi_sayarcm5175]

Very true -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- I started working on my credit 2 years ago. I didn't know where to start I had no credit. I started looking up videos and found [e-mail]