I FOUND THE 5 WORST CREDIT CARDS EVER...(AVOID THESE!)

Since we’ve talked about the best credit cards for beginners, the best credit cards for travel, and the best credit cards for free stuff…these are the Top 5 WORST credit cards of all time that you should avoid…enjoy! Add me on Snapchat/Instagram: GPStephan
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DISCLAIMER:
The views and opinions expressed herein are those of the author and do not necessarily reflect the legitimacy of these companies.
Many elements have been exaggerated for comedic effect.
Even though I’m not that funny.
Do your own research and come to your own conclusion.
For entertainment purposes only!
For business inquiries or paid one-on-one real estate investing/real estate agent consulting or coaching, you can reach me at [e-mail]
Suggested reading:
The Millionaire Real Estate Agent: goo.gl/TPTSVC
Your money or your life: goo.gl/fmlaJR
The Millionaire Real Estate Investor: goo.gl/sV9xtl
How to Win Friends and Influence People: goo.gl/1f3Meq
Think and grow rich: goo.gl/SSKlyu
Awaken the giant within: goo.gl/niIAEI
The Book on Rental Property Investing: goo.gl/qtJqFq

[@VinceWangCeo]

Just became a member of Graham's channel and got this cool badge thing LOL

[@GrahamStephan]

Holy crap that's the first time I've ever seen that badge! Thank you so much man!

[@masternobody1896]

Amaaaaazing video

[@masternobody1896]

How to make my credit score better? ?? Any help please

[@WorldPrestige]

welcome to the club 😂😂😂

[@CregggFerguson]

@@sinhowww To the left of the "subscribe" and "notification bell" buttons, there is a blue "join" button. Click that and it will open a pop-up that explains the membership stuff ($4.99 a month, exclusive perks, special live streams, etc.).

[@NuanceBro]

These credit cards can actually be useful. For example if you see one of these in someone's wallet it tells you that you should never have children with them

[@GrahamStephan]

😂😂😂

[@gregsomebody7247]

LMAO

[@timjohnson7034]

LMFAO!!

[@LilMermaid28]

😂😂😂💀💀💀

[@IslemTav]

🤣🤣🤣🤣

[@scott41762]

#5 Credit One 1:24 #4 First Premier 3:40 #3 Continental Finance - Reflex 7:00 #2 Master Card - Black Card 10:28 #1 Master Card - Gold Card 12:04 and.... 9:46 Graham as an evil banker

[@GrahamStephan]

😂

[@bangalgar]

Oh good no capital one

[@Sixpabs]

@@GrahamStephan Soooo I got the Mastery Card -gold card for 1 year. Here is why. Got a gold card, (Sarcasm), but mainly it was a high limit, 0% APR and 0% Fee while I was deployed with the USRA . So I payed $0 got a 0% APR card with a highlimit to cover fees while deployed. That was the only reason to get that card for me.

[@fonzie2098]

The only one I heard of is credit one and I always thought that was the worst credit card period

[@Alanaboo912]

Thanks man

[@kashfortheking]

Credit One was a good call. I kept it for a year and dropped it like a bad habit. It was just to rebuild and ONLY to rebuild.

[@zaheerahshareef7608]

I have that card and it does suck but I’m trying to rebuild and only rebuild. They call you endlessly even when you’re not late. I will be getting rid of them when my score gets better.

[@kashfortheking]

Zaheerah Shareef they won’t negotiate with you either. I tried to get them to reduce my APR or eliminate the annual fee. They said no so I told them to cancel the card. Good luck bro. 👍🏾

[@jazzycup9274]

Huh weird, personally I've never been bugged by them once. I got them about 6 years ago when I was mid 500s, and didn't end up with an annual fee. Guess I lucked out. I use my Chase SR card these days but this one still exists in my wallet as a literal "Whatever" card.

[@kashfortheking]

JazzyCup wish I could’ve received that deal. But they don’t pay rewards anyway so it’s just as well.

[@gourmey905]

Did they try to send another card like those other customers?

[@tommyfo4678]

A fun thing I like to do when I get one of these offers in the mail, take the prepaid envelop included, pack it with as much junk as possible, and send it back to them. The heavier you can make it the better. Since they have to pay for shipping the heavier it is the more they pay.

[@GrahamStephan]

This guy is an evil genius.

[@ZeroBlackfire]

I used to get those....id do the same thing...except with dog shit.....

[@Meekerextreme]

This is old, I used to do that in my 20's...

[@theamethyst93]

Tommy Fo lmao I once read a story from someone on Reddit about how they mailed an envelope full of glitter back to a credit card company 😂

[@kevinj4663]

Add a neodymium magnet to it, make it so USPS can’t even get the envelope off their weight scale.

[@robert_iacob]

Thanks goodness you’re finding the worst credit cards so we don’t have to

[@GrahamStephan]

You don't find the worst cards...they find you

[@robert_iacob]

Graham Stephan how did you come up with such a witty caption in .5 seconds? 😂 thanks to your video I will never open an account with Credit One in fear that they will send me another card after I cancel due to terrible customer support.

[@mr.he-rock-ohh2355]

@@robert_iacob its too late for me. already have one

[@robert_iacob]

Mr.He-Rock-Ohh!!! Noooooooooo

[@Madmaxxxx1984]

Graham Stephan lmfao

[@marcosbeni5875]

You missed a huge detail about the Credit One card: it does not have a grace period, so they start charging you interest from the day you make the purchase regardless of whether you pay your balance in full each month.

[@rdarrett3635]

Wow!

[@iamsean92]

I thought that was illegal

[@steffan10000]

I have Capital One and genuinely thought he was talking about my card at first. How are they allowed to get by with blatantly copying the logo and not getting sued?

[@dantewalters6952]

Believe it or not the Credit One logo has been a lucky coincidence for Credit One! The logo has been around longer than Capitol One.

[@teep2056]

I have Capitol One also I haven't had no problems

[@JStieloSoloPhysique1987]

Credit one is the older company. Surprisingly, capital one is the copycat and is more popular so a lot of ppl think it.

[@ludielijp]

I thought was my capital one too ahhaha

[@ttownfeen]

I was just like you until I learned Credit One actually predates Capital One. I don’t know about the logo though.

[@marc-arthurjralcero2156]

As someone emigrated to this country and learning painfully about credit cards I was in disbelief to learn about some of those cards years ago. luckily I didn't get caught up in them because I didn't think it sensible to get one before becoming at least a resident. You're amazing for making this video. Thank you

[@jcc277]

I love the subtle humor mixed in with the excellent finance info. Thanks for all the fine print digging. Definitely appreciate it Graham! (like button smashed)

[@PeopleofReddit66]

My brother got that credit one card, last year; long story short he’s in 2000$ in debt the apr is really off the charts! Stay far away from this card!

[@GrahamStephan]

Yikes that’s awful!

[@penisboy97]

Even if that card had zero apr your brother will still be in debt. Don’t spend money you don’t have. Only use credit cards if you can pay them

[@pedro0563]

Why is he in debt in the first place? Being in debt is his fault, not the bank's.

[@DreaminBig]

Lol what an idiot

[@BellissimaDior]

That sounds like that’s his fault

[@kolbis99]

Just signed up for each one! Thanks for the info

[@GrahamStephan]

😜😂

[@kaiserkase3462]

Same here

[@nmgyung]

Lol ok

[@alejandroperalta1982]

Your picture goes very well with your comment 😂😂😂

[@asrr62]

if the card isnt free it isnt the card for me!

[@Rinyotsu]

The Reflex card must have been inspired by Grand Theft Auto and someone just wanted to see if people would get it.

[@jamesgeisel]

Fortiva, Indigo, Credit One, Milestone, Reflex, Avant, First Premier, all for poor credit and they are expensive as well in fees and interest. Much better off with a secured card than these bottom barrel cards.

[@Warrior_Resisting_Colonialism]

Yes always keep away from that trash. If you have damaged credit just do what you did before and start over. Get a secured card and pay on it. Live inside your means, not borrowing money you don't have cus you know where that gets you. Even poorer! Close those junk cards. Get secured card and live responsibly. In a year or so when your managing money that only you have, then and only then apply for a real CC but this time treat it with great respect and use it the same way as you did with your secured card. If you NEED credit to buy something (with a credit card) your living outside your means. Never do that.

[@TactikewlRN]

Don't forget Fingerhut.....

[@T.d0T.]

@@TactikewlRN Gettington

[@marcusirobinson]

Synchrony bank, stay away

[@zaheerahshareef7608]

The one thing about it is they report to all the credit bureaus

[@jeanandrade2737]

*master card lawyers have entered the chat*

[@GrahamStephan]

😱

[@smileywelch8086]

😄

[@gluckystrong3336]

You made him scared! Lol

[@genxnomad1978]

Premier was the first credit card I ever had-way back when I really did not know much or care about credit. Years later, I fell for the Credit One card. Although my limit was only $300, once I missed a payment, my card was closed, and about a $700 debt was placed onto my credit report. Thank goodness for Capital One these days.

[@ball9502]

anyone who disliked realized they had one of the credit cards on this list

[@GrahamStephan]

😂🙌🏼

[@sebastiansamueltrevino1918]

I have the first one...

[@pseudonymshqipe854]

@@sebastiansamueltrevino1918 It's not too late. I canceled my wife's card yesterday.

[@morningmorgan6341]

Maximilian Joachim HA

[@MissEnglish123]

I had credit one back in 2006 😁

[@Arkine13]

Credit One also asks if you want to raise your credit limit (multiple times per year). This is very bad if someone doesn't know how to use credit properly as it gets them farther and farther into debt.

[@GrahamStephan]

😓

[@freerunnersunion_________90]

Very good IF they understand utilization % and how to keep them low

[@lakera6860]

I'd rather them ask than to just do it like my VS card. Still working on paying it off

[@ElenaLopez-jk7dq]

I made the mistake to apply and get the credit one credit card, I just cannot wait to make my last payment on it and close the account. Everything he said is absolutely right, they have so many charges it’s insane! I lost my card and called to for a replacement and they charged me $25 for a new card 😑

[@TheTyson35]

I once applied to credit one, got approved for $700, first bill was the annual fee $75, called the company and explained I wanted to close it immediately, try to tell me they couldn’t without paying the fee but I argued and explained that my card was not activated or charged and one the battle...they canceled my card but wanted to offer a higher limit ....I told them NO!!

[@ZacharyLaid]

Bootleg Credit One lmao 😂

[@GrahamStephan]

😜

[@raphealwood4434]

Surge and total are just as bad as credit1.

[@CorkKNIFE]

Capital One copied Credit One;'s logo. The more you know™.

[@1pyroace1]

CorkKNIFE I researched n u r correct

[@nicknoland9704]

I had no credit in my late 20's due to avoiding cards in my youth and using cash exclusively. Naturally I had no real debt other than a car payment. Upon looking at purchasing a home I realized avoiding credit was a double edged sword. I began with a Credit One card quite simply because I didn't know any better and it was easy... I qualified. I used the card minimally and paid the balance of in full monthly. After approx 12 months and a few other basic steps I was approved and purchased my home. So as bad as the card is it can be useful if you're responsible. In retrospect had I done a little research I probably wouldn't have applied for that specific card. Nonetheless it helped me.

[@antman674]

There are better ways to build credit. Best thing to do when starting out is get a secured card with no annual fees. Companies like credit one and first premier are just out there trying to rip people off.

[@gainonten4031]

@@antman674 can you expand more on what it means a secured card?

[@kobyschechter8163]

@@gainonten4031 You make a security deposit of let’s say $500 and the credit card issuer gives you a credit card with a $500 limit. I have the Discover student cash back card and I absolutely love it. Discover has a secured credit card as an option. Check out the KZbin channel named “Magnified Money.” It’s run by a guy named Brendan. He makes great videos on financial products.

[@paulo7200]

It's sad that our country will allow a shyster like Credit One to effectively build a paywall for themselves around a home purchase. I would have looked into a bank portfolio home purchase loan.

[@Letsflywithgreg]

I had the credit one card twice and the first time it repaired my credit but man this second time it destroyed mine... they hound me day in and day out for payments, (lost my job for a bit and recently got another one) and man do they keep tacking on all the ridiculous late fees, you are right about their payments...nightmare... and don't get me started on their JOKE of customer service. SO DISGUSTED WITH THEM. awful. I have been treated so much better at Capital One and will continue to have my business there. Thanks for the video !!! You have a new subbie!

[@highvibrational2007]

i'm sorry that you lost your job for a bit.... but credit one is not in the business of sympathy.... no bank is. they ant their payments. the fact that you build your credit initially because of them says that they are pretty good.

[@nicolederrickson9132]

I filed bankruptcy from medical debt, had the credit one card for 11 months, cancelled it, and it raised my credit score 100 points just from spending $100 a month and paying it off right away. I now have a chase and capital one travel reward cards with no annual fee and a credit score in the 700's all within 3.5 years after filing. They can be helpful if you have no other option like I did.

[@Bob-hi2xh]

I love my Kardashian diamond Platinum Debit Card. The 250% APR and $150 monthly Fee are worth it

[@philjames3163]

I have the Kardashian C.C. also, it's Phat!

[@daishanewsomednp6956]

What’s the website to apply?

[@troylollysaf9311]

From 2005 to 2008, i used CreditOne credit card to build my score from 525 to 750. After that i canceled it. I applied for many credit cards but got declined. CreditOne accepted me. CreditOne used to be calld Bank of Marin. So yea, thats my experience. Now my credit good enough to buy a house, im looking for a home to buy at this moment.

[@him4real262]

Troy Tanw yeah but you could of just used opensky or Bank of America secured

[@troylollysaf9311]

@@him4real262 never told about it til now. This is fd up.

[@diablochorizero6586]

So you still have creditone one credit card ?

[@troylollysaf9311]

@@diablochorizero6586 canceled after 750 credit score

[@diablochorizero6586]

Troy Tanw will do thanks...did they make a big deal to cancel was it hard ?

[@codeman99-dev]

I had a CreditOne card for a very short time. I paid it off in full. Then they changed the annual membership fee date without telling me. I then got mail (yes, snail mail) that I owned them the membership and late fee. Called them up angry, very unhappily paid them their dirty money, and force them to close the card. Yuck.

[@lynnmorgan7950]

99codemister thank you for telling me I’m dealing with them

[@thisuniquechica]

I know this is an old vid, but, can we get more of this preppy look? It’s comedy gold on so many levels!

[@InvestingHustler]

Dave Ramsey approves 👌

[@GrahamStephan]

Finally a video he can get behind!

[@Meekerextreme]

Cash is still king

[@Eddie-gb3bn]

Fuck Dave Ramsey.

[@thomasmills339]

Dave Ramsey is a fucking jesus- ed up hypocrite. He will burn.

[@ericrowan8718]

Except Dave would say no to any credit card.

[@WhiteBoardFinance]

Graham is killing the viral credit card video game right now lol

[@GrahamStephan]

Haha thanks!! They’ve done well recently!

[@UrvineSpiegel]

My first card was Credit One. I had no credit and was told lots of credit inquiries would make it worse. I researched and found Credit One approves anyone. It was between this and a secured card. I heard secured cards didn't build much credit, so I settled on Credit One. After making my payments on time for 11 months, I went to my bank to inquire on a CC. I explained my credit situation and they recommended a secured card, because my chance of approval for their basic real cc was low, but I pushed for the real CC. I was approved to both our surprise, $2000 limit with 12.5%apr. I then closed my credit one account before the next anual fee, and have been building credit with my bank cc. Credit One is expensive, but its fast no risk credit. I would do it again.

[@eveecat]

Wow credit one almost got me. I got mail from them saying that I was pre approved for a $2000 line (which was appealing because my current card is $300). I was just about to do it and then decided to check if you had a video about it. Yikes!!

[@ProfeFut]

Me too. I'm glad I watched this video

[@PlsStpHakinMefamily]

Credit one's not that bad as long as the terms and conditions are good a lot of their cards don't have fees they have horrible cards and they have somewhat decent cards you have to read the fine print on every individual card if you have middle-of-the-road credit or good credit but not that much time on the bureau's there is one or two Credit One credit cards that are not that bad I bet most people don't know this but Capital One owns Credit One it's their subprime division you can have a 750 credit score and still be subprime if you only have a year-and-a-half on the bureau and if you only have a couple credit cards like Capital One and they refuse to increase your credit limit over five hundred bucks then you have to do something in the meantime while you're stuck in the upside down

[@manictiger]

I always ignore mail offers, because, yeah, my credit is good. So why would I want to ding it with a hard inquiry from a no-name company and unsolicited junk mail? I open credit cards with companies I've established trust with, because I know that if I ask, they might do a soft inquiry or no inquiry at all (depends on a lot of factors, like whether it's just an upgrade, a credit line increase, and internal policies the rep has to abide by).

[@chrislemaster2695]

Actually Credit One had that logo first back in 2002 when they first started. The worst on is the indigo MasterCard 39.99 % annual fee 99.00 monthly billing fee 8.00. I have Credit One had no problems and 49.00 annual fee.

[@mertz313]

Just why? There are better cards out there with no annual fee!

[@codyv8737]

Bad credit... it’s the only reason I have it too.

[@LopezNewEra]

Chris Lemaster same, this card has built my credit to where it’s at today.

[@4thwardlinden]

Credit one may not be the best card in the world, but if you hm are trying to build your credit and can't get approved by other banks it is a good option. Credit One helped me build my credit from around 550 to 640 in less than a year.

[@nmelcam1]

Most credit cards are renewed every 3 years, so you will actually be paying $3000 for the 0.1 ounce or less of gold plating on the Gold MasterCard LOL

[@Hyperions92]

Happy 2019 Graham Stephan community!

[@Jen_P]

Omg Graham is stepping up his comedic game 😂🤣 when you clapped and changed your outfit hahah. Love it 👏👏👍👍

[@GrahamStephan]

Haha thanks!!

[@despairedamaryllis]

Thankfully haven't had issues with Credit One within the first year... hope it stays that way. Update: They are spamming me every hour to accept their new card offer and to raise my credit limit and I had offer notifications turned off. NOPE.

[@glennmillerfan]

Violetta Amaryllis Their American Express branded card actually seems pretty good, though it has a $39 annual fee.

[@ray-jt2pu]

I got screwed with credit one. I applied thinking I was applying for capital one . I'm pissed at my self.

[@GigiLovesLola]

Yes! I am just rebuilding. I watch my account like a hawk for unnecessary little charges, $1.09 for what? I paid the annual fee immediately and made only 2 charges, paid immediately. It stays at a 0 balance and ignore the offers.

[@jobo1656]

How does this man make personal finance interesting? It’s a miracle. Love your videos graham!

[@sherellefreeman7993]

I actually had #4. It was my very first credit card. I got it at age 18 when I knew absolutely NOTHING about credit cards except that you had to pay the money back. My meager 500 dollar credit limit was quickly ran up and over. My credit went to shit very early in life. I somehow managed to pay it and cancel the credit card. I’m 34 now with excellent credit and ALWAYS remember that Premiere Gold card when thinking about opening any new line of credit. The best thing about the card was that it allowed me to learn the wrong thing early so that I had time to fix it. I survived one of the cards on this list and lived to tell about it 😂😂😂

[@yurybeloded]

Sherelle Freeman i had similar experience with first two 😆

[@jdmcarboy64]

Got the first premier platinum and I’ve come to realize they set the bar high on fees to teach responsibility for those trying to fix their credit and not ball out with it. Most people don’t realize that you should keep a $0 balance every month and spend 30% and under. But that’s my point of view. The 36% interest doesn’t scare me because I don’t flex with my cards and keep my balance under $100 therefore they’re easy to pay off

[@ga5234]

You're giving them too much credit. They're simply a predatory sub prime issuer. They know most people are gonna be irresponsible with their cards.

[@RomeoBarnes]

These are cards you get when you’re in rough shape. Keep them for a year and close them. The idea is these cards are to be replaced.

[@nurmayantcoates9436]

Romeo Barnes I just build my credit about 7 months so after a year do you think is OK to close them?

[@freerunnersunion_________90]

Except closing cards hurts credit score

[@john_thorpe]

@@freerunnersunion_________90 It only hurts you if the age of the account is years old (i.e. more than a year to a year and a half old) and your credit to debt ratio. But if it was me that had one (not that I would in the first place), and can get an unsecured no annual fee card with a good credit limit within say the first year, I'd close the account to get rid of the fee's even if it meant taking a couple point hit on my score. But I'd open the new account first. I would not pay $99 a year just to hold onto the card.

[@loveyou-gf8op]

Never, never close an credit card account! It negatively effects your credit.

[@GLegend]

Truth is, options are limited for some people and companies take advantage of people with poor credit

[@danielferede6087]

Wow! I can't thank you enough. I'm victim of CreditOne, and I'm still struggling to get out of their trap.

[@carmeliterpeter8218]

There might be fake ones out there but real one do exist contact *@Darkjacob* on *telegram* he is the real vendor, I got my cc with high balance from him yesterday 🙏

[@patriciakristek6777]

Carmeliter Peter's please tell me what telegram is!?

[@carmeliterpeter8218]

Patricia Kristek *@Darkjacob* on *telegram*

[@Lelouch12195]

So the last two are the "Wolf of Wall Street" Credit Cards

[@carmeliterpeter8218]

There might be fake ones out there but real one do exist contact *@Darkjacob* on *telegram* he is the real vendor, I got my cc with high balance from him yesterday 🙏

[@evelynferebee1750]

I liked the idea of reviewing the worst cards because you usually see reviews about what cards to get but seldom with what you should not get.

[@dolo_c_dubb]

It was a girl on Instagram a few days ago posted that she received that Mastercard -Black Card offer in the mail & she was so happy, saying you have to have perfect credit to get the card & a few people commented saying how that card was bad & wasn't worth the annual $495 fee

[@marqb936]

I’m so embarrassed... I had these cards

[@Rick-kv3gl]

Had to start somewhere.

[@choosetoshine2610]

Nothing to be ashamed about. Falling down is part of life getting back up is living. Keep going.

[@BaileyMagikz]

meanwhile in England 49% apr for pretty much everyone with no matter the credit score

[@lancekaplan8022]

Maybe have some sort of financial literacy before playing the credit game?

[@christinamoultak6800]

When you are holding your breath to see if any of your credit cards are on Graham list

[@LilBleachThaGod]

Christina Moultak luckily I just got discover it , capital one quiksilver and PayPal credit not the best choices but defiantly not as bad as these

[@jaytwo96]

I had a bad history with poor credit. CreditOne was the only company that was willing to take a chance on me. I knew I was going to get destroyed by fees and high interest rates. I accepted that because I was starting my credit rebuilding journey, and what a journey it has been. I would never advise anyone with 700+ credit to go for this card. However, if you were like me and wanted somewhere to start building your credit so that you could move on to better cards down the line, then this was a great option in all honesty. I still have the card today, and am thankful that they took a shot on me. Moral of the story is just pay your bills in full on time and manage your money correctly, but I didn't learn this lesson early enough in life. Love the videos by the way.

[@Gwizz-1000]

I concur. same here.

[@EdgarHernandez-xj5mx]

Luckily there’s credit cards where you put a deposit so you don’t have to get a crappy offer. Also petal is great.

[@missmotives6410]

I agree. It was the same for me. I pay what I use right back and my credit has been rocking and rolling. Don't sleep on them.

[@johnsnow5305]

It's amazing the things you can get away with if you simply get someone to sign a contract. There is the assumption that you can't be taken advantage of if you agreed to it. That's simply not true. No one in their right mind would get the first 4 cards (the last one someone might get just because it's shiny). The only way they get someone to sign an objectively bad contract is through manipulation, which I would consider against the notion of a person's freedom to contract. A false 'you' is signing the contract - the 'you' that has been deceived or manipulated into a false state of mind about reality. This is no different from a person with schizophrenia signing a contract ethically speaking.

[@marcdonvito6485]

Everyone needs to learn contract law to avoid being defrauded.

[@lisacampbell6149]

I have never had a problem with Credit One. They waived my fees, including the monthly charge. I just called them and requested them to drop all the extra fees. They did. While using this credit card I rebuilt my credit scores to 826, 800 and 772.

[@wisemoneyfinance451]

Try to start out with good credit cards to begin with. I did a video on at least 12 of the best ones out right now. That should prove helpful to you.

[@tiffanymartin2480]

I actually applied for a First Premier Card and right after I got accepted I had to pay $40 to get my card or being apart of the company. Then I checked on my account and they asked me to pay $125 a year! Thank god I caught it and canceled my card right away!

[@MP-uw5nj]

Thanks do much for ALL U DO. A lot of time u out into the research for those of us, consumers can make better decisions. A personal thanks

[@GrahamStephan]

you got it!

[@gino14]

@@GrahamStephan Consider auto blocking the number or name of the scammer on your community controls Or have a scambait contest to have your viewers submit the longest and funniest text conversations to waste scammers time

[@mmitchell2428]

Awesome . . . Awesome . . . AWESOME job with this video, Graham! Thank you for all the work that you did (research) putting this together. I don't even understand why these tactics are legal. I appreciate you!

[@TommyleeATGMAILDOTcom-ws3wg]

Contact hackguru on [e-mail], text me on Whatsapp [phone] ,expert in credit score fix , credit card and bank hack...

[@pandclawson2965]

We accidentally got one of these because we mistook it for a Cap 1. Grrr! One bright side, we got a huge limit. One thing to keep in mind, they start charging interest on purchases from the day you use it. It’s really annoying.

[@traviscarey1205]

So I’m late to this video so I don’t even know if you will see this. Literally the 1st card you mentioned was in my wallet, credit one card, I had no clue because before I found your channel all I did was sign up for whatever. I canceled my card mid video, recorded the conversation, screen shot the time frame so u don’t get screwed. Thanks bro.

[@TommyleeATGMAILDOTcom-ws3wg]

Contact hackguru on [e-mail], text me on Whatsapp [phone] ,expert in credit score fix , credit card and bank hack...

[@losttownstreet3409]

Some of these cards are usefull to build a credit history if you move into the credit score system. You can't just apply for any card. You may be better of if you go to your old bank (which have offices in the US) and apply for their card, but it takes time as they need to manually convert your old credit score to your new credit score.

[@ga5234]

There are better options of you're just starting out.. the Discover secure card, or even capital one.

[@55418und]

I had capital one for a few years. My credit score went to 765 then I switched to CITI Bank for a much better card.

[@claudettedoyley9056]

Wise choice.

[@philrodrigues9270]

I try not to use my credit cards and if I do I pay them off quickly so I don't get nailed with the interest

[@GrahamStephan]

Nice! That’s the way to do it!

[@frankiejoseph5043]

Why don't you pay everything with your credit card and just pay it off right away so you get the benefits while building credit? Even if I you don't care about building credit (I guess you plan on buying your home in cash or renting your whol life) You should still buy with your credit card assuming there are no fees And you pay on time otherwise you are literally and I do mean LITERALLY lol giving money away ...why? I get thousands of dollars in rewards this year and every year and have great credit....

[@frankiejoseph5043]

If you have self control USE your credit card...

[@philrodrigues9270]

@@frankiejoseph5043 buddy I own multiple house already have great credit take your own advice

[@frankiejoseph5043]

What's good credit?

[@JayCeeMax]

Personally, I like the Citi Double Cash card.

[@crazyjoe91682]

I had Credit One for about eight months. Got an offer from Capital One, approved for a $1000, called credit one to cancel the account and the rep ask me why I’m canceling the account. Simply flat out told him because the bank you guys tried to rip off from, approve me $1000 limit.

[@GshockBeats]

I love your comedic and informative finance videos so much. I am hooked!

[@GrahamStephan]

Thanks!

[@AllTerrainGuy]

Wow! Just wow! Nothing but scammers!! Love the vids👍🏼

[@GrahamStephan]

🙌🏼

[@vidform]

This is why I love KZbin. I hope these credit card issuers are watching this video and realizing what they've done is bad and need to do better. Thank you.

[@aaronmelson2887]

This is why I work SO HARD to keep my credit 100% so I can apply to the REAL PREMIUM cards like American Express and Chase.

[@GrahamStephan]

🙌🏼

[@beedee9534]

Have Chase not so great

[@agentchaos9332]

I mean..when you have awful credit and “ nowhere else to go to build credit” isn’t that what secured cards are for?

[@michaelduncan2995]

I wish I had this knowledge years ago. The worst thing is how all these companies take advantage of people who were or are having issues. It seems unfair for people but when you feel you dont have a choice to be able to live it can look good at first. The worst part to is it trying to get out of the situation when you realize too late that your even in it. Thanks Grahm for the info, wish I knew things sooner!

[@ThaiIsland]

To discuss financial topics, in such a funny and clever way, is refreshing. 👍🏽🙏🏼

[@finalbox4416]

At this point I may as well make a v-bucks-only credit card with 40% APR

[@GrahamStephan]

😜

[@Zeljia]

I love you dude. Thanks for all this info

[@GrahamStephan]

you got it!

[@cheddarcheese]

CreditOne actually had the swoop logo first, while CapitalOne's marketing team was too far down the road making pretty much the same logo. Kinda unfortunate

[@alexandrarivera2326]

Your humor is everything, so amused by it

[@Ninjakitty0198]

Accidentally got the credit one card because I thought it was a capital one card, they really got me and now I'm paying for it smh

[@dozerviper4707]

That’s why when I went to build My Credit, I got the Capital One Platinum Card with No annual fee. It has been A Savor for me , I was interested in the Black Card till I saw the fee and was like nope .

[@coltengarrett3956]

Dozer Viper same!

[@JustinY.]

well these cred cards suck

[@GrahamStephan]

These cards make the other worst credit cards look great

[@smug_slime]

Great to see you Justin.

[@trojjo]

Here's my Boy Justin, he's cracked up his credit my guy.

[@marcgroetsch2216]

Wow this video made me feel a whole lot better about my recent Chase card, $200 sign up bonus with no annual fee 😅 and 1.5 cashback

[@WorldPrestige]

credit one spams too much by mail 😆😆😆

[@GrahamStephan]

I know!! 😂

[@traviskraemer]

I got a few of them and just sent the prepaid return envelope back with nothing in it to make them pay for return postage.

[@chrishesketh5326]

if you miss payment they'll spam call you

[@ignazs.5816]

So does Capital One...

[@Glitchh101]

I actually have a credit one credit card, it was actually my first credit card, got a pre qualification letter and everything and I was lucky enough to get a $0 annual fee but a high apy which I don’t mind since I pay my credit card balances in full

[@braedenpokar9956]

Just get rid of it

[@Glitchh101]

@@braedenpokar9956 I've actually considered it but its my oldest line of credit :/

[@MuggyATL-DeKalb]

Not sure how many times I’ve been preselected or pre approved for credit one and almost took it because it was so close to capital one lmao

[@user-px3ft7oq8b]

Lol I feel so ungrateful right now Graham, you spent so much time looking for horrible cards! I literally recommend your channel to anything that breathes thank you for the videos!

[@GrahamStephan]

Ahhh thank you so much!

[@cece82gemini27]

Credit One is good if you're rebuilding credit. As long as you pay on time, every month, spend low, you're okay.

[@missmarcicolettle78]

Cicely Williams thx because I have them to and I pay them more every month and sometimes 2times

[@Joseph-dz8lv]

bro i’m not gonna lie, i’m learning lots thing over here then school. thank you graham

[@SanAndreasFool]

I hate CreditOne, got it when I was 18 when I had no idea about anything relating to credit. Basically only keeping it open because it’s my oldest credit line. They even sent me a check in the mail claiming I won a cash prize. I read the fine print and it said something along the lines of if it was cashed it would be charged with 40% interest. Avoid this company at all costs lol

[@GrahamStephan]

😬

[@Ndasuunye]

I ALMOST got it. I found out it wasn't capital one (I already had platinum at the time so I was confused ) when I looked to see the terms, conditions and rewards. And then I saw the name. Yay reading

[@choosetoshine2610]

Great content! I appreciate your diligence.

[@direbilimat8065]

I have used the help of a Credit Repair Expert at Sam Hacks technology, LLC . And I must say, they have displayed being #1 in class, in my opinion. I appreciate the time and effort they provide getting your credit repaired and back on track. Very professional and highly trained and skilled people who are great in credit restoring and rebuilding. I strongly recommend them to anyone looking to fix their credit you can also contact them on whatsapp [phone]

[@weavepg21]

Credit one is awful. I had one years ago when my credit was crap. I closed it as soon as my credit improved. I didn't even care about the hit on my credit. I didn't want that card!

[@tonymarquesbeverlyhills5002]

I had a bad experience with Capital One! I cancel and never more!

[@heresmypersonalopinion]

Tony Marques exactly. They are worse than credit one.

[@CortezTheKonqueror]

I just got a credit one unsecured card, but im managing my expectations with the card.. It boosted my transunion literally 60 points when it posted so the $75 annual fee was money well spent in my opinion.

[@fewwok1966]

Lmao

[@KristyShey]

Ah! I have the first credit card and they are a nightmare. They froze my account due to their website going down when I tried to pay my bill, which I was not aware of, and when I tried to pay it they froze my account, locked me out, would not let me reactivate it even after speaking to multiple “managers” while they kept charging me late fees... for months!! It fucked up my credit. I finally had to threaten them with legal action and they fixed it in 5 minutes, after fighting with them for months!! Forget about trying to deactivate the cc, my requests fall on deaf ears.

[@antoniosacco6519]

Don’t like Capital One? Why do you have a bad credit? Thanks God they give you the option to rebuild your credit and learn the lesson!

[@icodoane6386]

Having been in so much gambling debts over the years, I almost lost everything. I filled for bankruptcy, plus my home was facing foreclosure. I could not look at my wife or my eight year old in the eye anymore. I really messed up. I was at the bar drinking my sorrows away when I started speaking to the bartender he gave me a contact and urged me to speak with a team of specialist who helped him in the past. I contacted them and spoke with them. They cleared all the negatives off my report and raised my score to a 780 in 24days. I was able to take out some loan and save my home and family. Much obliged to give thanks by appreciating Samhackstechnology⏺net. You might be facing a similar issue or worse. I suggest you contact them too and get your burden of bad credit off your chest. Thanks again

[@DoD237]

wow! wouldnt have known this if not for Dominic that came through for me. Thanks so much for the referral

[@MrTurururu3]

Grateful vid Graham, Amex has increased my CL twice now automatically. Maybe not 3x but still enough for me.

[@Thekimfowler]

wow, how can I contact Dominic please?

[@schlawienschen]

please can you share Dominics contact?

[@faiccommercity]

can Dominic help me too?

[@DoD237]

@@schlawienschen yeah he works for whizhackz

[@terissahansen9789]

While watching this video I got an ad for the mastercard black card😂😂😂

[@zephyr1986]

I have the Credit One card. :/ I've had no choice but to go for it, but my credit score has improved by almost 200 points so far.

[@missmarcicolettle78]

Kayla Matheney I have them too

[@marqb936]

Graham, you are indeed my financial angel...I made these mistakes! And he is legit guys, he knows what he is talking about.. don’t be me, listen to him!

[@chanmarr8118]

I accidentally signed on with Credit One. I noticed all my bills were always an exact number, never any change. I.e: Instead of $143.76 it would always be to the exact dollar like $146.00. I called them out on it then I started having bills with the change. I assumed they were rounding up or something. And it’s very true about the bill payment. I tired to pay then they called me the day it’s due saying that they never received it. Then while I was on the phone with some middle eastern person, they said I had to pay a $35 fee for it to be sent it on time or it’s late. Another time when I called them several days before the due date, the lady kept saying my card wasn’t working to make a payment and asked if there was any money on the card. I was so insulted. I ended up closing the card and I paid off the balance in a month. Then they sent me a bill for “paying the exact minimum amount” of $25 or something. I called them and said I closed the account and paid over $400 not the $25 minimum. He apologized and closed and they actually stopped bothering me. Never, ever get this card!!! Lol

[@Gnussbaum]

“Canceled the card and they sent a new one” 😂

[@cocoleluz]

I have 2 credit cards and I’m going crazy, none of those 5 but still a lot in interest. 🤦🏾‍♀️

[@Warrior_Resisting_Colonialism]

Don't live outside your means. Only buy with the card what you can pay off as soon as the payment clears and pay it off before it even goes to statement. At the most, you only want to let it all go to statement but pay it all off in full. You'll pay no interest. You want to do things that pay you interest. Never pay interest.

[@juliamallik9316]

With the credit one card, the interest is applied as soon as you purchase something so even if you pay your balance in full every month you will be paying more than the goods or whatever you bought actually cost. From what I understand, credit cards usually apply the interest at the end of a billing cycle and then it compounds as time goes on but this doesn't even give you a chance to pay it off

[@direbilimat8065]

I have used the help of a Credit Repair Expert at Sam Hacks technology, LLC . And I must say, they have displayed being #1 in class, in my opinion. I appreciate the time and effort they provide getting your credit repaired and back on track. Very professional and highly trained and skilled people who are great in credit restoring and rebuilding. I strongly recommend them to anyone looking to fix their credit you can also contact them on whatsapp [phone]

[@alanwolensky]

1 Dislike from the credit card companies.

[@GrahamStephan]

😂

[@1210marv]

I have to admit that Creditone got me with thinking I was signing up for a Capitalone card.....lol

[@khfamilybuisness5624]

😂😂