How Credit Cards Work In The U.S. | CNBC Marathon

[@jakehuang3545]

Plz, if anyone working in CNBC is reading this comment, MAKE MORE of in-depth documentaries like this. You can do better than Netflix, I swear.

[@F.ckbidenintheassplz]

😂😂😂😂 so true. So true.

[@thereald-goz3588]

Agreed!

[@kSuss100]

Yes sir.So true.

[@tacolover5000]

I agree with him

[@PascalGienger]

Agreed. But then CNBC should stop those continuous "articles" with always the same story "I did X and Y and Z when I was young and so I could retire with 40". CNBC is full of that. It is like spam.

[@ken-camo]

i went from no credit to excelent credit in 3 years... the guy is right, its simple. never miss a payment. only pay for things u can afford. pay your balances at the end of the month to keep your balances low (and to avoid finance charges) and bam excellent credit :)

[@abdul-kabiralegbe5660]

Were you charged interest for using the credit cards or does interest only come in when you default on the payment schedule? Does your bank automatically pay the money you "borrowed" (due to credit card use) before the payment date is due (I'm assuming you already have the money in your account)? I'm trying to understand if you basically use the credit card like a debit card or if it's possible to live in the US without being denied services when one exclusively uses a debit card. Thanks in advance.

[@Charlie-zj3hw]

same 3 yrs i'm at 770

[@EAplays619]

​@@abdul-kabiralegbe5660 Hey Abdul. You're correct. When you use a credit card, you're basically taking out a loan. The bank pays for your transactions expecting you to pay them at the end of the month. If you dont pay them, then thats when all the fees and interest come. As for being denied service for only using a debit card, don't worry about that. I live in the states and I've never been refused service for not having a credit card. If you do ever get a credit card, treat it like a debit card. Don't spend money you dont have. I hope I answered your question. Cheers.

[@abdul-kabiralegbe5660]

@@EAplays619 You completely answered my question. Thanks! 👍👍

[@mrgaudy1954]

I went from no score to above the national average within 6 months despite having to max out my sole credit line initially (moving costs and hadn’t received my first dollar paycheck yet). So the “discriminates against immigrants” points is also BS.

[@DBR00]

I always hate that the charge immediately goes through but refunds take two weeks.

[@sminthian]

I used to have an AmEx card. It was so annoying, every time you try to use it there's a 75% chance that the place doesn't accept it.

[@keymul]

Lol not anymore

[@cashflow68]

Yes, Visa and MasterCard are money generating companies. I just buy both stocks. Stockholder since 2009.

[@Johnfulkan283]

Amex, Chase Sapphire, Venture X, CITI Premier, and airlines and hotel cards - These are my business class to Tokyo, Paris, BKK, DBX... The trick is apply, use, get the bonus and close it right away. Love it !

[@鈴村京]

I am studying English everyday by watching CNBC so thank you for uploading for free

[@SkiExplorer]

“Johnny Lastynamey” from Title, Company Name was fantastic at 48:24. 🤣😂😅

[@JohnDlugosz]

Those start about half way though and increase toward the end. The oddest are those that have information filled in and _also_ have the template text. (in some cases, literally "text text text").

[@SqueezableBear82]

@@JohnDlugosz 43:45 "Term of Phrase...text text text" lol

[@CalamityCannon]

Oh thank goodness I'm not the only one who noticed this 😅 Currently at "term or phrase text text text" and now very much looking forward to meeting Johnny Lastynamey I'm listening more than watching this so I am amused I happened to see this

[@evannessence]

I especially appreciate the insight from Title, Last Name, Title, Last Name, Title, Last Name

[@mrwebbofficial]

If CNBC needs a new video editor I'm sure I could do a better job than whoever did this. Maybe even a job as the boss of the editor who told them this was okay and to just publish it. I am embarrassed for them.

[@hasobi]

as Indonesian, i'm grateful that in Indonesia the payment network (GPN & QRIS) is controlled by central bank which fee is only 0.7%.

[@gregorymalchuk272]

What happens when people don't pay? also, 0.7% fee is almost triple the 0.25% Visa fee.

[@stevebeschakis9775]

There's an error on my credit report, but it benefits me so I'm keeping my mouth shut.

[@garryalfonso1609]

what's that?

[@punjabeeplaya]

I love the "Term or phase. Description of the term or phrase, etc, text text text text text text" definition of transactors and revolvers at 43:40

[@Aviertje]

I am more of a 47:47 fan. Johnny LastyNamey who works in three identical functions in three identical companies is such a legend!

[@nicolastowers7865]

@@Aviertje Came to the comments just for this

[@gonnermalegs]

Wait this is definitely something that @CNBC just absolutely missed and didn't update in their video template... people clearly are not paying attention in these videos hahahaha

[@taytrong]

My income last year was under $10k, I've lived below poverty for over 20 years. My credit score is 804. update: Oct 22, 2023, score has increased to 807. My rent is now $200/month since the city of LA agreed to pay half due to low income. My AT&T wireless and internet total is $35. Sep 26, 2024, credit scored increased to 810

[@fastm3980]

Well you don't need high income to have a high credit score. But kudos to you🎉

[@YourXellency]

My credit score is probably 0 since I haven’t been in America for 10 years.

[@JazzyJae88]

Do you have one card and charge like $50 a month and then pay it off? How?

[@taytrong]

@@JazzyJae88 I have 4 cards (Capital One, Apple and 2 American Express) I only use the AmEx Business card cuz they don't report to the credit agencies so my balance every month is always zero. AmEx lets you pay the balance any day of the month so I immediately pay off any balance daily. Slowly they increased my credit limit. So, in my case, 0% utilization each month with ever increasing limit.

[@thanhngangproduction]

@@taytrong🧢

[@Dispatcher1616]

Watching this without any credit cards. I cut them all up last year and closed out all of the accounts and haven’t looked back. Not worrying about credit card debt is great!

[@darickfoxo7986]

Did you check your credit score sense then?

[@Sugar_So_Spicy]

@@lovly2cu725 That makes sense. 😍

[@MarionTheSecond]

I personally don't agree with this, if you are disciplined enough to pay off the card completely as you use the card, you can earn a lot of rewards like free flights, car rental insurance and cash back.

[@TopShot501st]

Most debit cards are still Visa's

[@coke28hi1]

it’s called discipline. credit cards are a great tool for travel

[@KBTadieh]

I work in banking in America and can tell you this for a fact... America IS a monopoly! And so are most of the businesses here

[@baikeiast5255]

Hey atleast u have free health care

[@ADeeSHUPA]

@@baikeiast5255 笑 笑

[@KBTadieh]

@@baikeiast5255 free healthcare???? 😂😂😂

[@bhavtosh5328]

In India,they have UPI-Unified payment interface which is a great concept.You have to just scan QR code and pay. No need to carry your cards.

[@Dannyholt33]

Some economists have projected that both the U.S. and parts of Europe could slip into a recession for a portion of 2023. A global recession, defined as a contraction in annual global per capita income, is more rare because China and emerging markets often grow faster than more developed economies. Essentially the world economy is considered to be in recession if economic growth falls behind population growth.

[@mikeroper353]

My main concern now is how can we generate more revenue during quantitative times? I can't afford to see my savings crumble to dust.

[@Nernst96]

You can only accomplish little to nothing on your own right now because it's a sensitive season. Therefore, I'll advise you to hire a financial professional who can give you important financial advice and support.

[@sattler96]

How can I reach this adviser of yours? because I'm seeking for a more effective investment approach on my savings?

[@sattler96]

@Mussa653 I just Googled her name and her website came up right away. It looks interesting so far. I'm going to book a call with her and let you know how it goes. Thanks

[@527ctguy]

Now - we may not be in recession. It's all people guessing. who knows!

[@khalilsane]

51:00 he said it, discover acquired by capital 1

[@nelson_yong]

Johnny Lastynamey seems like a very smart guy 😂

[@mobeinaatabakeii950]

¡Qué bien explicado el análisis técnico! Ahora me siento mucho más preparado para operar en el mercado.

[@user-rm8rc1xi8g]

I love this content. It is educational and informative. Thank you and keep them coming.

[@charlottepeukert9095]

Imagine what your life would be like- without visa credit cards! I imagine it, I lived it- much better!

[@chloelee4941]

😅😅😅😊

[@debbieframpton3857]

I'm just happy that I don't ever carry a balance on my credit card I've had one card for 22 years

[@cesarlulito]

I have 20 cards. I only use 1 or 2 at a time. I only use the cards that have 0% apr promotional offers and when those offers expire i make sure i have paid off that card. I get points for using the card and some cards give me $100+ when opening the account after spending a certain amount within a couple months. So, I never pay interest and the credit card pays me for using it. Be a smart user and there are MANY benefits. In a worse case scenario, think about which money you are spending. The money in your bank account or the unsecured credit ??? I rather have money in my bank.

[@mikebailey9566]

Any fees charged to a business is passed on to the consumer through higher prices. This is what happens every time. Don't let the merchant fool you into thinking he/she is incurring debt due to your use of a credit card. If the balance is not paid off on a monthly basis, you are the one going further into debt not them.

[@Gsoda35]

how about we regulate the profit margins on how much any payment system may make? let's say max 5% on any transaction.

[@jfidelis46]

Fantastic documentary about the credit card industry👏!!! Strong work 💪‼️

[@DanielPierce]

I had a major inaccuracy on my report, a credit card that was majorly delinquent with a bank I’d never had credit with, dropped my score by 25 points, I did ask for it to be removed and it was removed within 12 hours, but my score took like 35 days to bounce back! Imagine if I was trying to get a loan at that time… it should absolutely bounce back right away!

[@magnusasskildt]

In Norway we look at bank accounts as basic infrastructure, so everyone has the right to an account and basic service as online bank and debit card. Credit is of course not for everyone, but I think we have a much better credit system than the FICO Credit Score.

[@hypothalapotamus5293]

In America, we look at banks as critical financial infrastructure that are held hostage by people who gamble on risky financial instruments.

[@piotrb4240]

The US lives on credit, and that's cultural. Yet as far as credit cards go, I think it's popularity is historical. Payment cards started off in the US as credit cards, because there was no possibility of checking in real time if the customer had money in their account (no payment terminals, no internet, no telephone modems). So the credit card was also a certificate of guarantee: the bank guarantees this customer's bill will be paid by the bank. But once payment terminals and online authorisation became a standard, the profit from credit was such big money, that banks and payment networks were not willing to give them up. I mean, it doesn't make sense - why should I borrow money if I have my own? As someone from Poland, where the banking system exploded in the 90's, the credit card is something rather rare - less than 12% of all payment cards, and on a long-term downward trend. I've been practically cashless for at least a decade, yet I've never had a credit card and only once did I regret not having one (an American hotel network in Poland demanded one from me one day before check-in, and I had to phone daddy 🤣).

[@esonon5210]

What do you mean by better? Do poor people in Norway have access to credit to buy expensive items like a house or a car?

[@zuzanazuscinova5209]

​@@piotrb4240people in the US buy way more than Polish people

[@abdul-kabiralegbe5660]

​​@@piotrb4240 Thanks for explaining why credit cards rather than debit cards are more in the US. I've often wondered why people there use a credit card (essentially borrowing money) when they may have said money in their bank accounts.

[@jemarrebrown836]

I have a few Discover, MC, Visa, and 2 Amex and I like Amex the most

[@MisterJohnson303]

I'm investing in Visa this coming Monday. Thanks for this information. This is a smart investment. If it doesn't make dollars then it doesn't make sense (cents). LoL 😂!

[@christhedoc8689]

I have been living in the US for the past 11 years and i can assure you 1000% that US banks are the best!!

[@heatherangel9700]

Love the commentary from "Johnny LastNamey" there at the end. LOL

[@Py16777216]

I have like 6 credit cards and 2 charge cards mostly rewards cards, I'm not a revolver, 808 score. I pay bills on time every time and I resent interest so the trend makes since to me. The how to of financial success is common knowledge on social media. Resist the splurge/survive the purge, it's that simple.

[@BardhanProductions]

Did no one else notice at 48:25 Johnny Lastynamey, title, company name 😂😂

[@JohnDlugosz]

Did you notice that's not the only instance?

[@graziellelacson7774]

They forgot to edit 😅

[@camillapotter440]

Your video on indicator settings was exactly what I needed. Thanks!

[@l.ls.8890]

I own an American Express card, but when I travel abroad especially the EU countries not many average business take the card. I always have to use my Visa or cash. My friends who have Master Cards have to use them also. AX cards are just not accepted at the mom and pops.

[@rooksandcastles]

AMEX transaction fees are insane. VISA transaction fees are pennies compared to AMEX, which is why a lot of companies don''t allow their use.

[@darickfoxo7986]

Amex is over rated anyways

[@Mumyeong]

I remember AMEX charging 14.5% per transaction from small UK coffee shops in 2018 so they all put up signs "no AMEX".

[@Vivek-zw3ex]

The EU caps visa / mastercard fees at 0.3%. Amex isn't capped, so most small merchants won't accept it.

[@elixier33]

They don't take the card because they charge 12% of the transaction or at least I used to it could be more now. 😢 we certainly didn't accept the card and I know that most of the business is around here and in London certainly don't want Amex. Sorry but I don't think the future is bright for a mess bright for Amex.

[@Yourbody_MYCHOICE]

My credit card monthly bill is around $900 to $1200. Never been late once

[@MallocFree90]

So...?

[@Yourbody_MYCHOICE]

@ soooo there are people who actually pay off the whole bill cuz they are financially responsible lol

[@CertainPathway]

I had alot of fun, tha nks for the good times cnbc😊

[@CS-qc7np]

I have notice merchants have started passing on swipe fees to the customer. A man in front of me at a gas station was buying 2 bags of chips for $1. The clerk told him that he had to charge him $.65 (65 cents) to cover the swipe fee. To my surprise, the guy paid it.

[@Stompinwind]

I went off the grid financially for over 14 years and came back with no score and now have a 760 in less than 3 years

[@thesurvivalist.]

Most people fail with their credit, because they refuse to live by the companies rules! 1) It is not your money, your just borrowing it! 2) Setup autopay, even if your just paying the minimum!! 3) Learn and live withing their Rules!

[@LudmilaNikonova-f7d]

I'm seriously considering joining your VIP group. Your insights have been so valuable to me!

[@veritas3179]

Pay your monthly bills in full!. They call us deadbeat 😅

[@ianandersen265]

Here is one key issue with debit and credit cards we need to realize: Over 95% of all money in circulation is digital, not physical cash. Other estimates from economist Richard Daughty argued in 2010, that electronic money consists of 99.93% of all the money that exists. Penalizing customers for using payment cards has the potential to cut you off from over 95% of the money supply.

[@blueneptune146]

When it comes to credit scores, I think one thing that holds a lot of people back is the length of credit history. Getting a new line of credit lowers the average. Even if you have 10 years of on-time payments and great standing, if you get a new card, it takes years to bring the new average up.

[@osoriobmw0830]

Years? Lol

[@blueneptune146]

@@osoriobmw0830 Yes. My oldest account is 9 years old, but my average age for my credit score is just over 2 years due to me getting new cards when my credit score improved. I either have to wait for the average to go up, or I have to be an authorized user on a card from somebody else that has a long history, which is ridiculous. And it's not like i could have just waited without getting. That 9 year old line of credit only has a $1000 limit as It was a starter card. With other cards that offer no interest financing for things i needed, my utilization went up, so I had to apply for more lines of credit just to bring utilization down. Plus if you want cards that offer better benefits like travel points, you sometimes need to show that you have other cards with higher limits. The Capital One Venture X card, for example, has a more favorable chance of being approved if you have a line of credit over $6000 that's been open for at least 5 years. If you don't, you're not likely to get approved, even if you have otherwise great credit.

[@baikeiast5255]

Social credit of usa😂😂😂😂😂

[@hatinacat4328]

The age of ur loans is another thing. U pay off a loan? BAM lower credit. So then it becomes a game of balancing the debt vs credit score. Helps once you have a stable living situation, like house and car, but very difficult with the housing and car market

[@rooksandcastles]

Depends on the file. If your file is brand new, the statement is true. If you have a long history, opening a new credit card is nothing and often doesn't affect your score.

[@marblox9300]

I do take advantage of the ZERO% intro APRs but when that ends I pay off the full balance interest free. Works for me.!!!

[@VarsVerum]

How credit cards work: They trick you into thinking you have more money than you actually do 🙃

[@noirto2]

and allow every government and company in the world track your spending habit

[@mohammed-pl8zt]

Exactly 💯

[@tacolover5000]

Thanks cnbc for the video

[@Alexandra11090]

I still don’t understand why we don’t have laws that prevent anyone under 18 to take out credit or at least put some protections in place for those under 18.

[@anhnguyenhong8770]

How long does it take to obtain CFA certificate? Level 1: 6 months, Level 2: 6 months, Level 3: 6 months. At least 18 months you need to study and get it passed.

[@TuranEhmedli-l6q]

You should do a new video about MYSTICFLIP ! I really like you’re mellow delivery and you seem like you’re very knowledgeable. I watch lots of influencers and you always seem very calculated and know exactly what you’re talking about and understand it. You’re better at explaining complicated things simply, than any other person on youtube keep it up brother!

[@0animalproductworld558]

I like how CNBC is not racist and so on.

[@pnketia]

This was a great and informative video. Thank you this really opened my eyes!

[@mehmetelagoz2415]

Omfg! MYSTICFLIP turned out to be a bloody smart move. I love love love this. I’m the wrong side of 40 so I’m taking this all on board IMMEDIATELY- thank you! Even if I run out of time my kids will benefit from this incredible education. Thankyou thankyou thankyou!!

[@sefaetli]

I'm DCAing in MYSTICFLIP as well. ETH heavier DCA and ALGO. I'm taking your advice and starting Google tomorrow with a 50 dollar purchase and continuing Microsoft and Apple. VTI and VOO on another app and longterm portfolio. Here we go family!

[@shawnyt6368]

This is incredible stuff. Had no idea about much of it.

[@JeannineSylvain-p6q]

you are the best,but sometimes when I watch your videos,I get more ideas, but after sometimes,I do fail when using the same strategy🧀

[@milanjayatilaka]

Informative as always, great documentary. Also applause to whoever put in the “Johnny Lastynamey” and the generic title and company name subtitles @ 47:48 😂😂😂

[@wadeepperson6906]

I never noticed my usaa cards aren't MasterCards anymore i guess switching to visa has more area for payment.

[@ThomasFromTN]

In 15 years, I've accumulated less than $10 total interest paid as part of credit card debt. Not per year...total. And - I am hardly Mr. MoneyBags. A lot of Americans are actually pretty good at making money. But almost as many are TERRIBLE at money management. If people protected their assets as well as they protect their cars...virtually no one would run into credit card debt.

[@hyphySIN]

Is that why some stores don’t take Amex? Because of high fees

[@zurifrommissouri]

47:48 I'd love to see if Mr. Lastynamey will still be here in a few hours.

[@paradise6606]

People need to stop using their VISA until they stop charging these high Fees. Cash is king.

[@PenAndSea]

I got the venture x card a few months ago and have been loving it so far. I think they're the only travel portal that does price matching. It was one of the main selling points for me since other travel portals tend to be pricier than expedia etc

[@H80989]

Mastercard have taken over in europe, visa seem to be very stubborn in europe not willing to provide a good service. Also many countries around the world have now their own domestic payment systems.

[@julianmarshall2127]

Here in Barbados where I'm from,5 out of the 9 financial institutions who issue cards,issue Mastercard.whether it be credit or debit.

[@davebessette11]

Merci pour la video! Vous mentionner de faire attention au condo? Est du au frais qui sont se plus en plus chère ?

[@metehanboz8769]

I have used this program for several years as my primary investment management tool. Other programs have not had the versatility or breadth of coverage. The customer support is solid MYSTICFLIP

[@josephyeo6966]

There is only one winning way to use a credit card. Always pay off the amount before the due date (interest free period), and then accrue the loyalty points. I have been using these cards for the last 45 years and never paid a cent in interest. The card fees are recouped by the accummulation of loyalty points.

[@tuttuttut7758]

And people do in general until the economy tanks and they fall behind. Or they use it as a parachute which will become a deathtrap

[@howellwong11]

Me too, but instead of loyalty points, I have a cash reward of about $200 a year. Still I wish that merchants would offer cash discounts.

[@carltonbanks5470]

Actually you pay it down below 10% before the report date for credit reporting purposes. Then you pay it off by the due date to avoid the interest. That is a nuance too many people miss.

[@Kenneth-m1d3s]

Better way to win with credit cards, don't have one. 80% of credit card users never pay off their cards in full. A recent report says that banks have written off 46 billion dollars of credit card debt recently.

[@fereshtedameshgi5991]

Thank you for all your efforts There is a small remark In my opinion, if only you'd tell us what hour we'll be trading Like, after the end of today's session, you tell us the hour when the session will be for the second day, and we will be ready Like (you tell us tomorrow's session will be between 11 am and 1 pm according to your country's time) Especially in my case, I work most of the time in night shifts, so I miss the morning sessions and do not attend the session, knowing that I open the group notifications

[@pedrouscanga7794]

What about Manual Underwriting Loan application? You may not have a credit score, but you are a responsible citizen paying the bills on time.

[@survivingthetimes]

My life would be just fine paying for everything with cash. I'm not so lazy and coddled that I can't reach in my pocket and pull out a $20 bill.

[@angelicasilva1977]

Adoro esse tipo de documentário

[@As33n]

Thank you for video

[@TheHuntermj]

A realistic assessment of whether you will pay back a loan like a FICO score isn't "racism", a black person wouldn't lend money to you either! And a company shouldn't be compelled to lend money to people they don't want to for any reason.

[@neonnoir9692]

I remember when businesses tried to charge the swipe fees to the consumer, people just stopped going to those places.

[@Matt-cr4vv]

I’ve usually only ran into this at bars or restaurants. It usually won’t stop me from going to a place. But the places they won’t accept cards ar all do keep me away. A bar that is cash only I will almost always avoid. But one thing I always wonder with the swipe fees is how it compares to the fact that people generally spend more with cards than cash. I would think the increased spending with cards on average would make up for swipe fees.

[@JessieThompson-m2v]

please also make a detail video and explain at what point we have to take trade by using the same indicators as you used in this video , love from india

[@canotfind_]

I love the "Term or phase. Description of the term or phrase, etc, text text text text text text" at 43:42

[@krippledforlife]

Informative content.

[@BE55Roberts]

At 48:24, there is a title in the bottom right corner that is the default. It needs to be revised to reflect the single name of the speaker.

[@mahmga1]

Keep up all these incredible news reports!

[@Henryabel-b9d]

Thanks for the breakdown! Just a quick off-topic question: My okx wallet holds USDT and win, and I have the seed phrase: (proof inner hobby bounce blouse able donate virtual luggage cart morning ticket) .What's the best way to send them to Binance?

[@PascalGienger]

That is one of those things the European Union did well. They put a limit for swipe fees - and that credit cards must not have higher costs for the merchant than a debit card. The result of this is that much more supermarkets in Europe accept credit cards. And - some US card issuers do not give point or "cashback" anymore when using their cards in the European Union ;-) I have a friend having a small shop in Southern Germany, and he pays 1% on everything for just approx $10 a month for the payment terminal - and another who pays 0.3% but with some $500 per month for the terminal.

[@zuzanazuscinova5209]

I have never been to a supermarket in the US that didn't accept a credit card.

[@accountantreviews7002]

Amx automatically closed my cc for non use. Oh well. I was a customer for over 21 years and just because I haven’t used for 1 year, they just closed it, no notification nothing.

[@teddyl6261]

I was wondering how in the world is 43:40 "Text or Phrase", "Description, text, text, text" is related to credit cards. 😂

[@legitimatebusinessman5537]

Ask Johnny Lastnamey, he can probably explain it to you.

[@thomasprochaska5083]

The golden rule is only to buy stuff, that you really need right now. Don`t buy anything with borrowed money (loans) and invest the money you save in physical pressure metals like gold and silver!!

[@GothBatty]

Nerd here: they didn’t mention parsing ISO 8583 packets. I specialize in POS credit card terminal software testing. 👩🏼‍💻

[@tsujimasen]

The term or phrase at 43:47 was very informative!

[@BardhanProductions]

48:23 as well 😂😂😂

[@T.S.000]

Text, text, text, text........ I understood that perfectly 🙄🙄🙄

[@TressieEfird]

Big fan of your strategy thanks you 😄

[@DiegoSanchez12]

I want to live in a world where transactions don’t have fees

[@revaddict]

Move to India and embrace UPI..

[@margaastajaya]

I want to live in a world where my worker don't have salary.

[@Diverse0725]

Use cash???

[@ThePeterDislikeShow]

I want to live in a world where there's an abundance and nothing needs to cost money.

[@papapaupapapau8217]

You already are livihg it, sad thing is you still don't know. Bitcoin.

[@JohnAranita]

The world will end without credit and debit cards.

[@jmlinden7]

48:21 Johnny Lastynamey lol

[@demetrisrobinson4026]

I love my Discover card ❤ and added my granddaughter and she’s enjoying too❤

[@Ayo22210]

They should get rid of those transaction fees

[@mathisnotforthefaintofheart]

Cash is King. Only use cc where a paper trail is desired.

[@zacharyjohnson2928]

Cool ad for American Express CNBC.

[@detectiveofmoneypolitics]

Economic investigator Frank G Melbourne Australia is still watching this very informative content cheers Frank ❤

[@anhnguyenhong8770]

Bachelor's degree, Master's Degree in Finance & Bank major cung duoc nhung CFA thuc chien tot hon.

[@Letitflow1-1-1-1]

It works great for me. I use my costco credit card for everything instead of my debit card. I make numerous payments / mo whenever there's a balance instead of waiting until the end of the month. Costco service desk has been handing me cash. Almost $500 every year for using their card. Btw I never pay interest

[@Doomscroller394]

This is how credit cards work everywhere...not just the states

[@Stache987]

This needs to be updated since the figures have seriously changed because of a 3 year crisis, not only inflation, job losses, changes in spending habits make this production outdated

[@KC-dr3cg]

Good point

[@CatBudgets]

Hi friend ! 💖 I’m so so so happy to hear you had a great time in Mexico 🇲🇽 and that you were able to visit where your grandma is resting♥️ I always enjoy seeing your progress🥹 I was cheering you on to keep going on the October 😂 but better to play it safe 🤣🤭

[@elenajeremy1282]

Nice content. To me, trading the forex and crypto market is way better than any online investment💯

[@elenajeremy1282]

You are right but the market is profiting if you are using really a good broker or account manager to help out with trades or provide signals

[@mabelgilbert8254]

She trades for me too. My first investment with Mrs Olivia Renae gave me profit over $25,000 and ever since then I trade with her and it has been a good turnups

[@briencampodia8738]

Please how can I reach her ? I think I should try this woman. I have heard so much good news about her

[@elenajeremy1282]

​@@briencampodia8738Make a note to Mrs Olivia Renae regarding your interest in investing

[@elenajeremy1282]

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