Growing up my parents always told us to stay away from credit cards because it was bad for you, but never explained why. When i turned 21 i got my own credit card. Still parents kept saying it was bad. I was able to learn more about credit cards and used it tto my benefit. My parents till this day still believe credit cards are bad. Me on the other hand 10 years later im credit card churning and looking for the next best card to get.
@yakubpk3483 Жыл бұрын
has credit made your life better or your financial situation easier to manage?
@alek7195 Жыл бұрын
@@yakubpk3483I got one a bit ago and I only got free money out of it and started building my credit score early, just don’t spend what you don’t have and you’ll be good
@inihilisme1511 Жыл бұрын
@@yakubpk3483 Probably both on little level.
@Durz0. Жыл бұрын
@@yakubpk3483just makes it so you can finance things. In all reality you don’t absolutely need a credit card but it’s an easy way to build your credit score cause you will eventually need a loan for things such as a house
@gummy5862 Жыл бұрын
@@yakubpk3483It should if you use credit correctly. It’ll open you up to a higher credit limit and eventually lower interest rates on loans (including a mortgage).
@mvp3100 Жыл бұрын
Bro literally turned his pain into his gain.
@entangledatoms71539 ай бұрын
“No pain no gain,” I guess.
@gloria72474 ай бұрын
740 credit score at 18🙌🏾
@Penislover9000and14 ай бұрын
Congrats! 🎉
@Berto-h6p4 ай бұрын
how
@idgafff00004 ай бұрын
Sameee😊
@afolliable68844 ай бұрын
Same but bought a car so it went down 🙂↕️
@ewlol4 ай бұрын
same i got 740, hopefully hitting 750-760 by 19!
@wonyounghwang8040 Жыл бұрын
Brian, I appreciate you man. I've commented before on your videos as well, but after discovering your videos about 8-ish? months ago, I started my journey of credit card churning and was able to rack up a rather significant amount of money as a result. As a 19 year old in college, I was finding some ways that I could earn money, and utilizing credit cards was one of the bigger parts of my success. Thanks to you, I've been able to gather around $10k in credit card bonuses while still maintaining a mid 700 credit score, no late payments, and a 2% utilization rate. My dream car is the Huracan, and I'm on track to getting it in about 5ish years. Hopefully I can come back in 5 years and proudly say that I obtained that goal. Much love, Daniel
@Jungernaut Жыл бұрын
I love this. You can do it- the huracan is a great car
@litzyreavaldez830911 ай бұрын
@@JungernautJung bro 😎 what best card! Jung card!
@LebronJames-ug4ef5 ай бұрын
Do you have a well paying job to get all these points?
@ohhail Жыл бұрын
If you’re just starting out like 18 or early 20s i don’t recommend a secured card. Discover or Capital One will likely give you a normal card, plus they have pre-approval tools so there’s no risk. Also if you’ve had a long relationship with a bank they may give you a credit card pretty easily too.
@TheZombaslaya Жыл бұрын
Capital One's a bit stingy
@createwolf Жыл бұрын
How about a credit union secured card
@TheZombaslaya Жыл бұрын
@jonhoffman10000 I'm 24 but got my first card in may, got the Savor One in July and the Venture X last week
@JayBstream1n10 ай бұрын
So what do i get then?
@LebronJames-ug4ef5 ай бұрын
@@TheZombaslayayup capitol one denied be but I got the discover it for my first credit card
@abigailmaturana74111 ай бұрын
man, i wish i had access to videos like this when i was graduating high school; no one ever tells you how important gaining a credit score is
@saqibajmain5 ай бұрын
Ever have a dad?
@robergarcia114 ай бұрын
@@saqibajmain Not everyone has one so shut up.
@saqibajmain4 ай бұрын
@@robergarcia11 i’ll be yours, look what i got🥛
@Xzsi_l3 ай бұрын
We’re given classes about this thankfully
@MannyCovington Жыл бұрын
So important to get a good foundation of knowledge while you’re young to build up credit as early as possible!
@litzyreavaldez830911 ай бұрын
YES KING 🤴 👑 WILL DO!! indeed obviously most important when you’re young! Because we will remember for the rest of our lives to gain money amen!
@General-74310 ай бұрын
stay strong king
@sebastiansilva2565 Жыл бұрын
It’s really nice to have someone who explains life worthy stuff
@litzyreavaldez830911 ай бұрын
Yes wish I was freaking told this in middle school!!
@spencerimre5 ай бұрын
Got my first discover student card last month. Hoping that this will be the beginning of a long and successful journey.
@n0lifing Жыл бұрын
i got denied from 3 secured credit cards but i got approved for the discover it secured card and it should be here this week been watching you and john liang
@huntertara6968 Жыл бұрын
did that card go well for you? i’m 18 gotta get my first card i don’t have a co signer on it
@zenlightss6 ай бұрын
@@huntertara6968 i have the discover it secured card and its great, they increased my credit limit, returned my deposit, and my credit is great
@wild1246Ай бұрын
Did the card go good for you
@1abdelrahmanwael8 ай бұрын
Bro is the most hated person by banks fr😂
@dannyboots5 ай бұрын
They started it
@Deadshot43964 ай бұрын
No they don’t. This system works because there will always be people who mismanage credit cards the average consumer is not this educated if that were the case, banks would go out of business.
@surprisegoblin2628 Жыл бұрын
Just got recommended this. Perfect timing too, because I am actually looking into starting with credit cards at the moment!
@PonelyPonely6 ай бұрын
how is it going so far?
@shiasm88995 ай бұрын
NOTE: if you are placed under your parent as an authorized user, everything THEY do under their account will affect YOUR credit!! So if they default on a personal payment, it will show up on your account even though you did do that.
@chi2om6 ай бұрын
I’m 25 and still don’t have one 😭 now I’m finally moving out and need credit history. Definitely need a good start here
@lolliltaco Жыл бұрын
im 20 just activated my credit card. been told to never have one. ( i am scared but hella open minded to this)so thank you for this video.
@OfficialRedNinja Жыл бұрын
Awesome video Brian! Love all the content you put out 🔥
@Jungernaut Жыл бұрын
Glad you like them!
@Cloaker293811 ай бұрын
Bro i got a credit card ad right when i clicked on the video💀
@deltaharris76277 ай бұрын
Same it’s kinda scary
@Braqly3 ай бұрын
I did too🤣
@Zaid-jw3ei2 ай бұрын
That's how ads work
@julianneackerman44972 ай бұрын
thank you for these videos Brian! you have no idea how helpful these are and I hope you realize how much of an impact you make on lives of so many stressed people. wish you and your dog well on your journey :)
@teddy92211 ай бұрын
14 but we about to hop on the grind
@biomas8838 ай бұрын
Same here
@Nathan-Million8 ай бұрын
Same 😂
@Penguinizerrr8 ай бұрын
The algorithm knows who to recommend to
@luxianolee74976 ай бұрын
16 but I'm w yall fr we starting early
@something34766 ай бұрын
Look into rami sethi iwt book. Such an eye opener
@ktm_mightgamer4861 Жыл бұрын
I NEED THIS VID IM 17 planning on doing big things this was helpful
@aliyussanda39219 ай бұрын
No one that has gamer in their user name will go on to do big things
@luxianolee74976 ай бұрын
@@aliyussanda3921no one that looks down on someone else will do big things
@chrisavila1086 ай бұрын
@@aliyussanda3921hatin not gon get u far either lil bro
@rosylagoon36006 ай бұрын
@@aliyussanda3921be quiet u were young once
@aspecttnd5 ай бұрын
Kid do not get into it yet, you can later but it’s just too much risk for the lack of responsibility teens have
@BradleyJackson Жыл бұрын
Your mom is very pretty! Thanks for sharing your personal stuff as well. Great video!
@celestialsword2146 Жыл бұрын
How does this change for people who just joined the military? There are so many unique considerations and there’s not much good information out there unless you do it yourself. For example you always assume that amex platinum has a very high annual fee but for military members there is no fee, not to mention that there are a bunch of credit cards from navy federal credit union, penfed, and USAA that are only available to military members.
@dms2331 Жыл бұрын
No point in really adding military cards here if the average person isn't in the military. Better to search for a video specially tailored towards those in military.
@litzyreavaldez830911 ай бұрын
@@dms2331more like the average male. Which applies in south Korea and North Korea for “average” males. Whom serve in the military like what? 80% or something yup
@HDino25 күн бұрын
Very important 9:22
@HayesMcCracken5 ай бұрын
I'm about to turn 16, no job, not a lot of money, what does ANY of this mean bro 😭😭😭
@mistadude4 ай бұрын
Same brooo
@Litosislit4 ай бұрын
Idk just do the authorised user thingy
@cheeman59954 ай бұрын
If you have no job or money don’t even bother thinking about credit cards until you have a stable income and at least a few thousand to your name.
@RexandAlexa4 ай бұрын
Yeah I wouldn’t recommend you getting a credit card till you have a job or more money. Since you just going to want to buy things and be like hey I have a credit card and start spending on it.
@gigachadgaming15514 ай бұрын
Get a job before you get a credit card blud 💀
@universalalisha57156 ай бұрын
It’s so funny my parents were the complete opposite the always told be to open up a credit card and finally at 19 I did after their years of begging
@raziel_malice2 ай бұрын
If you become an authorized user on ya parents card it helps boost your own score if they are 700+
@cwill2127Ай бұрын
3:30 it’s actually not lol. I had my debit get skimmed and someone cleaned my checking account - bank reversed charges and the overdraft fee obviously
@nick3006 Жыл бұрын
Not expecting an answer but where’s that brown jacket from? Been trying to up my style as well and that jacket is too clean
@Raptor-cr1se Жыл бұрын
How long should i wait before applying for a second card if i was just approved for my first card today? I’m not sure if it would be better to have two cards immediately to build credit or wait a while
@quentinkeith3654 Жыл бұрын
usually its best to wait a year inbetween credit cards!
@Deadshot43964 ай бұрын
@@quentinkeith3654for the standard non annual fee credit cards you really only have to wait 2-3 months
@ddddddd1107 ай бұрын
Real video starts at 4:50
@Amiiluv_066 ай бұрын
I personally don’t think I need14/15 credit cards as a beginner. I really just need to find a way to grow/build my credit
@panekmemes9 ай бұрын
Credit cards are simultaneously the best thing for our economy, and the worst
@CashmereChampionW4 ай бұрын
Make the rich richer and make the poor poorer
@anthonywilliams94158 ай бұрын
Thanks. Video was helpful
@anakinskywalker1509 Жыл бұрын
Jesus loves you guys so much. God is with yall through all of your problems
@HectorRamirez-ud3ec Жыл бұрын
19 Years Old. 7 Personal Cards, 2 Business Cards. Discover Student Cash Back, Apple, Chase Freedom Flex, Bank Of America Customized Cash, Amazon, Amex Gold, Capital One Savor. Chase Preferred and Amex Blue Business Plus. 300,000 Chase Points, 100,000 Amex Points. and $1250+ in cash back combined.
@JoseHernandez-nr4lv Жыл бұрын
How
@JT1698 Жыл бұрын
How much debt tho
@envypex75247 ай бұрын
Frfr
@tylerlorence62094 ай бұрын
25 and just now getting into it
@YoIntangible4 ай бұрын
The american express gold card has an annual fee increase from 250 to 325 now
@jman70000 Жыл бұрын
Do you recommend closing credit cards after you use the sign rewards and no longer need the card?
@Jungernaut Жыл бұрын
Never close a card unless absolutely necessary
@nevetsgj Жыл бұрын
I wouldnt close any unless there was an annual fee. And in those cases you can downgrade the card. The ideal is that you keep them open to gain Longevity, availble credit. Closing the card decreases your credit score as well. Just use it sparingly once a month and it will be fine.
@youngsoulproduction3613Ай бұрын
You should wright a book about fixing credit
@RealMDNGUYEN Жыл бұрын
Brian do you ever cancel any of your credit card? If so how many card did you cancel?
@mekasotropstar3525 ай бұрын
Amazing video. Thank you so much for your knowledge and experience.
@ohcrapitsxfox Жыл бұрын
So…. You recommend I don’t close my no annual fee credit card… so should I just not use it anymore and apply for another card and use that card instead?
@deeurb916 Жыл бұрын
Yes ! (I made that mistake already)
@ohcrapitsxfox Жыл бұрын
@@deeurb916 I see
@benjaminrivera21668 ай бұрын
Works in every bank sistem even in other countries
@Jungernaut Жыл бұрын
Learn More About My Favorite Cards Mentioned Here: brianjung.org/Favorites
@InterstellarML Жыл бұрын
That story gave me chills man.
@gabrieltamayo4363 Жыл бұрын
Are secured credit cards better than student credit cards?
@InterstellarML Жыл бұрын
@@gabrieltamayo4363 never use your debit card. Only Credit card.
@KzNG_FROSTY55923 күн бұрын
I’m 17 and looking for a good place to start any ideas or suggestions 📲
@ArcadeJackpotMaster Жыл бұрын
Don’t you need to wait a year of credit for Chase cards to be approvals? I already have a discover it.
@huntertara6968 Жыл бұрын
is the discover card good and if so what kind? 18 y/o i make good money but do not have a co signer
@dms2331 Жыл бұрын
@huntertara6968 You can get a Discover student card. If you aren't a student, you can get a secured card from Discover. Either one is a great starter card.
@rapschised11 ай бұрын
@@huntertara6968it’s great. They have basic rotating categories offering 5% cashback but for the first year, they double and you can claim 10% if you redeem it after one year of getting the card
@michaelhorgan952510 ай бұрын
Chase has the Freedom Rise for those without a year of credit history. All you need is at least $250 or more in a chase checking account and you are likely to be approved.
@sleepingwell4071 Жыл бұрын
What about discover student cards it that one a good choice
@dms2331 Жыл бұрын
Yes, a great starter card.
@aishaergelen65385 ай бұрын
This video's a literal gem
@DashingMikey Жыл бұрын
as an 18 year old, do you have to show a income to banks when applying for first credit card???
@Zeus0_0355 Жыл бұрын
Yes
@zeiken4021 Жыл бұрын
Thanks for the knowledge. I’ll be going places in a few years.
@Nyc.fi053 ай бұрын
757 score at 19🙏🏽
@grasssnail83484 ай бұрын
Wow, this is a really great and insightful video! I just wish videos like these would have Chinese subs so I could show my mother 😭
@Luxordolls6 ай бұрын
literally in debt as i watch this
@SpiffBanks Жыл бұрын
Yessirr, thanks mannn !!
@gabesghettoadventures2632 Жыл бұрын
Thanks man
@letyrelreel20383 ай бұрын
Literally got an ad for the Amex gold
@cyndiapasillas11374 ай бұрын
You are very inspirational! ❤
@SimoneShaw-fy2zm8 ай бұрын
Good boy I'm proud 🎉
@jade95964 ай бұрын
August 18 2024 Sunday 10:58
@vYakss Жыл бұрын
Brian not sure you’ll see this but I’ve had the flex car from chase for about 3/4 months now. My score is 710 at 19. Should I apply for the unlimited freedom next? I’d like to hear your thoughts.
@weirdmyst796311 ай бұрын
No
@weirdmyst796311 ай бұрын
But you're winning in life
@vYakss11 ай бұрын
@@weirdmyst7963 how come no bro? any reason
@Mrsbw23 Жыл бұрын
Youre amazing brian your parents raised an amazing person ❤
@alvaro1016 Жыл бұрын
Can you do this online or do you have to go to the bank ? How did u ?
@skullyinc.8 ай бұрын
You should go to the bank in person and ask to see a card provider and ask them all your questions. Hope this reply wasn't too late
@muhammedalsaady25918 ай бұрын
Thank you ❤
@AdrianToSwoleАй бұрын
780 at 18🥳‼️
@r2t-q8b4 ай бұрын
aye love the sleeve tat man
@MalachiMilanak Жыл бұрын
Got declined for a secured card because im not a college student…ridiculous
@lilyyoung10027 ай бұрын
Agreed
@stop-motionamateur1372 Жыл бұрын
Hi, love your videos, but as a european I cannot apply for any of the cards you mention.. Could you make a video on how to start your credit card journey as a European?
@carsandtools Жыл бұрын
Well, you pretty much can't. There's a cap on credit card fees in the EU, and as such the benefits on credit cards here are pretty much non-existent.
@Bartekwis8 ай бұрын
@@carsandtools Fantastic to hear that as a European teenager. It looks like my life won't be easy here. At least there are no school shootings...
@faith4disney6 ай бұрын
@@Bartekwis Bruh...
@josegaming28508 ай бұрын
I got my first credit card is the capital one silver one
@kaankayasurmeli57536 ай бұрын
This video really helped
@maxia45849 ай бұрын
This was amazing I took note of all of it thank you so much Jung.
@ganibattlebeard5 ай бұрын
This guys the credit card craftsman
@Oliver-w4yАй бұрын
thank you 🙏
@HarvickOne4 ай бұрын
good luck figuring out how much you are actually spending if you have to shuffle between 20 different cards
@truchillztv642 Жыл бұрын
How about a video on making money outside of a job.
@theclorax54462 ай бұрын
Don’t forget about the secret route where if you join the army you get the annual fee waived for amex cards
@OsmanCortes-d8k Жыл бұрын
sure it was the card and not the 1.46 MILLION subs channel, of course.
@JmediaAcademy-xp8zi5 ай бұрын
Is it possible to aquire these cards even if I live outside of America?
@Zidvr Жыл бұрын
Do you need business credit for amex if you recently just got the gold card im looking to get the amex business plus in the coming months got a good credit score
@user-ix9kw5ey7f29 күн бұрын
What if the credit card we already have had for about a year does have a fee? Should I close out the card and get a card without fees?
@HimNotThem20 Жыл бұрын
Im 20 i want an credit card which one i should grab??
@YoskioАй бұрын
The Apple card is probably the best card you can have
@geicenagramonte79 Жыл бұрын
If I don’t use the credit card for a few months, will the issuer close the card???
@jms4495 Жыл бұрын
Usually if you use the card atleast once a year you’re safe but maybe use it once every few months
@yousifhassanein85627 ай бұрын
What if I never eat out, don't care about traveling, have 800 credit score, 3k in cash, and am only 15 yrs old. What is the best card to get then? I have very low impulses to buy random stuff.
@melodawg2k2114 ай бұрын
Don’t get a credit card till your 18, just make sure ur on ur parents authorized users list
@MotivationRiddle5 ай бұрын
Is a secure credit card good for a 13 yr old?
@michaelhorgan95255 ай бұрын
No, I would not recommend a 13 y/o to have a credit card of any kind as they cannot sign a legally binding contract. You can let them become an authorized user on of your cards, but that is risky. There are options such as child accounts, prepaid cards and green light. Once they turn 18, then they can sign up for a secured or even student card.
@whiteliist4 ай бұрын
That’s why I quit credit cards, too many sweats
@StrohKamel Жыл бұрын
is the creditcard system the same if i live in germany?
@sojjjer Жыл бұрын
NO.
@StrohKamel Жыл бұрын
are you german?@@sojjjer
@michaelhorgan952511 ай бұрын
@@StrohKamelEU caps merchant fees which is what pays for these nice rewards programs.
@StrohKamel11 ай бұрын
@@michaelhorgan9525 ty
@samdockery067 ай бұрын
17 yrold here, Should you cancel the freedom flex beginner card when you upgrade to sapphire preferred it says after 15 months the flex has a APR?
@Trifolioumoose6 ай бұрын
I’m 17 too but I don’t think you’re supposed to cancel a card unless it’s critically necessary
@nicolasnogacki86755 ай бұрын
Is this actually international or just in america
@acoverdc92725 ай бұрын
Just america
@morganhill2852 ай бұрын
What happens if you had one but never used it and they closed your account?
@anonymousrhinoceros12114 ай бұрын
Crazyyyyy thumbnail bro
@su6oi Жыл бұрын
what would be an optimal strategy for someone who started with a quicksilver?
@Jungernaut Жыл бұрын
You can still follow my optimal sequence I mentioned in this video even with a quicksilver
@AUTOMATICFIX10 ай бұрын
What a great video! Very thorough
@Loveninjagolloyd_Offical3 ай бұрын
I wanna get a credit card to open up a savings account
@RvaKam7 ай бұрын
I’m 18 and I Just got my first credit card today, it is the reflect card. Am I able to get the freedom flex card at chase also, without any mishaps?
@ContractorlyfeАй бұрын
I just want to build my score i have the money now just no score
@xxvoid46 ай бұрын
From a broke college student to another, mind showing the back of one of these cards 😄
@kindacartoon4 ай бұрын
753 credit score at 21
@Purple_Lamb11 ай бұрын
So you are in debt
@bamnr11 ай бұрын
only in debt if you use the card
@Purple_Lamb10 ай бұрын
@@bamnr so its like a yugiho trap card
@damageski9 ай бұрын
I am 18 years old and looking for recommendations on the most secure bank to get a credit card.
@Joe-mamma_YYG2 ай бұрын
What about a usaa card
@Yurrr4804 ай бұрын
Why does no one use navy federal?
@michaelhorgan95252 ай бұрын
Navy Fed is popular in some circles but you need to be military or have ties to the military in order to join. Some people like their n rewards secured as they can graduate in less than a year to a cash rewards card plus no foreign transaction fees.