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

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Graham Stephan

Graham Stephan

Күн бұрын

Пікірлер: 3 100
@VinceWangCeo
@VinceWangCeo 5 жыл бұрын
Just became a member of Graham's channel and got this cool badge thing LOL
@GrahamStephan
@GrahamStephan 5 жыл бұрын
Holy crap that's the first time I've ever seen that badge! Thank you so much man!
@masternobody1896
@masternobody1896 5 жыл бұрын
Amaaaaazing video
@masternobody1896
@masternobody1896 5 жыл бұрын
How to make my credit score better? ?? Any help please
@WorldPrestige
@WorldPrestige 5 жыл бұрын
welcome to the club 😂😂😂
@CregggFerguson
@CregggFerguson 5 жыл бұрын
@@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
@NuanceBro 5 жыл бұрын
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
@GrahamStephan 5 жыл бұрын
😂😂😂
@gregsomebody7247
@gregsomebody7247 5 жыл бұрын
LMAO
@timjohnson7034
@timjohnson7034 5 жыл бұрын
LMFAO!!
@LilMermaid28
@LilMermaid28 5 жыл бұрын
😂😂😂💀💀💀
@IslemTav
@IslemTav 5 жыл бұрын
🤣🤣🤣🤣
@scott41762
@scott41762 5 жыл бұрын
#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
@GrahamStephan 5 жыл бұрын
😂
@bangalgar
@bangalgar 5 жыл бұрын
Oh good no capital one
@Sixpabs
@Sixpabs 5 жыл бұрын
@@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
@fonzie2098 5 жыл бұрын
The only one I heard of is credit one and I always thought that was the worst credit card period
@Alanaboo912
@Alanaboo912 5 жыл бұрын
Thanks man
@kashfortheking
@kashfortheking 4 жыл бұрын
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
@zaheerahshareef7608 4 жыл бұрын
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
@kashfortheking 4 жыл бұрын
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
@jazzycup9274 4 жыл бұрын
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
@kashfortheking 4 жыл бұрын
JazzyCup wish I could’ve received that deal. But they don’t pay rewards anyway so it’s just as well.
@gourmey9058
@gourmey9058 4 жыл бұрын
Did they try to send another card like those other customers?
@tommyfo4678
@tommyfo4678 5 жыл бұрын
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
@GrahamStephan 5 жыл бұрын
This guy is an evil genius.
@ZeroBlackfire
@ZeroBlackfire 5 жыл бұрын
I used to get those....id do the same thing...except with dog shit.....
@Meekerextreme
@Meekerextreme 5 жыл бұрын
This is old, I used to do that in my 20's...
@theamethyst93
@theamethyst93 5 жыл бұрын
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
@kevinj4663 5 жыл бұрын
Add a neodymium magnet to it, make it so USPS can’t even get the envelope off their weight scale.
@kolbis99
@kolbis99 5 жыл бұрын
Just signed up for each one! Thanks for the info
@GrahamStephan
@GrahamStephan 5 жыл бұрын
😜😂
@kaiserkase3462
@kaiserkase3462 5 жыл бұрын
Same here
@nmgyung
@nmgyung 5 жыл бұрын
Lol ok
@alejandroperalta1982
@alejandroperalta1982 5 жыл бұрын
Your picture goes very well with your comment 😂😂😂
@asrr62
@asrr62 5 жыл бұрын
if the card isnt free it isnt the card for me!
@marcosbeni5875
@marcosbeni5875 3 жыл бұрын
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
@rdarrett3635 3 жыл бұрын
Wow!
@iamsean92
@iamsean92 Жыл бұрын
I thought that was illegal
@jamesgeisel
@jamesgeisel 5 жыл бұрын
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
@Warrior_Resisting_Colonialism 5 жыл бұрын
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
@TactikewlRN 4 жыл бұрын
Don't forget Fingerhut.....
@T.d0T.
@T.d0T. 4 жыл бұрын
@@TactikewlRN Gettington
@marcusirobinson
@marcusirobinson 4 жыл бұрын
Synchrony bank, stay away
@zaheerahshareef7608
@zaheerahshareef7608 4 жыл бұрын
The one thing about it is they report to all the credit bureaus
@steffan10000
@steffan10000 5 жыл бұрын
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
@dantewalters6952 4 жыл бұрын
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
@teep2056 4 жыл бұрын
I have Capitol One also I haven't had no problems
@JStieloSoloPhysique1987
@JStieloSoloPhysique1987 4 жыл бұрын
Credit one is the older company. Surprisingly, capital one is the copycat and is more popular so a lot of ppl think it.
@ludielijp
@ludielijp 4 жыл бұрын
I thought was my capital one too ahhaha
@ttownfeen
@ttownfeen 4 жыл бұрын
I was just like you until I learned Credit One actually predates Capital One. I don’t know about the logo though.
@UrvineSpiegel
@UrvineSpiegel 5 жыл бұрын
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, $2000 limit with 12.5%apr. I then closed my credit one account before the next anual fee, and have been building credit with my bank cc. Credit One is expensive, but its fast no risk credit. I would do it again.
@robert_iacob
@robert_iacob 5 жыл бұрын
Thanks goodness you’re finding the worst credit cards so we don’t have to
@GrahamStephan
@GrahamStephan 5 жыл бұрын
You don't find the worst cards...they find you
@robert_iacob
@robert_iacob 5 жыл бұрын
Graham Stephan how did you come up with such a witty caption in .5 seconds? 😂 thanks to your video I will never open an account with Credit One in fear that they will send me another card after I cancel due to terrible customer support.
@mr.he-rock-ohh2355
@mr.he-rock-ohh2355 5 жыл бұрын
@@robert_iacob its too late for me. already have one
@robert_iacob
@robert_iacob 5 жыл бұрын
Mr.He-Rock-Ohh!!! Noooooooooo
@Madmaxxxx1984
@Madmaxxxx1984 5 жыл бұрын
Graham Stephan lmfao
@marc-arthurjralcero2156
@marc-arthurjralcero2156 5 жыл бұрын
As someone emigrated to this country and learning painfully about credit cards I was in disbelief to learn about some of those cards years ago. luckily I didn't get caught up in them because I didn't think it sensible to get one before becoming at least a resident. You're amazing for making this video. Thank you
@jcc277
@jcc277 3 жыл бұрын
I love the subtle humor mixed in with the excellent finance info. Thanks for all the fine print digging. Definitely appreciate it Graham! (like button smashed)
@PeopleofReddit66
@PeopleofReddit66 5 жыл бұрын
My brother got that credit one card, last year; long story short he’s in 2000$ in debt the apr is really off the charts! Stay far away from this card!
@GrahamStephan
@GrahamStephan 5 жыл бұрын
Yikes that’s awful!
@penisboy97
@penisboy97 5 жыл бұрын
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
@pedro0563 5 жыл бұрын
Why is he in debt in the first place? Being in debt is his fault, not the bank's.
@DreaminBig
@DreaminBig 5 жыл бұрын
Lol what an idiot
@BellissimaDior
@BellissimaDior 5 жыл бұрын
That sounds like that’s his fault
@Letsflywithgreg
@Letsflywithgreg 5 жыл бұрын
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
@highvibrational2007 5 жыл бұрын
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.
@Bob-hi2xh
@Bob-hi2xh 5 жыл бұрын
I love my Kardashian diamond Platinum Debit Card. The 250% APR and $150 monthly Fee are worth it
@philjames3163
@philjames3163 4 жыл бұрын
I have the Kardashian C.C. also, it's Phat!
@daishanewsomednp6956
@daishanewsomednp6956 4 жыл бұрын
What’s the website to apply?
@Arkine13
@Arkine13 5 жыл бұрын
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
@GrahamStephan 5 жыл бұрын
😓
@freerunnersunion_________90
@freerunnersunion_________90 5 жыл бұрын
Very good IF they understand utilization % and how to keep them low
@lakera6860
@lakera6860 5 жыл бұрын
I'd rather them ask than to just do it like my VS card. Still working on paying it off
@eveecat
@eveecat 5 жыл бұрын
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
@ProfeFut 3 жыл бұрын
Me too. I'm glad I watched this video
@PlsStpHakinMefamily
@PlsStpHakinMefamily 2 жыл бұрын
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
@manictiger 2 жыл бұрын
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).
@Rinyotsu
@Rinyotsu 4 жыл бұрын
The Reflex card must have been inspired by Grand Theft Auto and someone just wanted to see if people would get it.
@ball9502
@ball9502 5 жыл бұрын
anyone who disliked realized they had one of the credit cards on this list
@GrahamStephan
@GrahamStephan 5 жыл бұрын
😂🙌🏼
@sebastiansamueltrevino1918
@sebastiansamueltrevino1918 5 жыл бұрын
I have the first one...
@pseudonymshqipe854
@pseudonymshqipe854 5 жыл бұрын
@@sebastiansamueltrevino1918 It's not too late. I canceled my wife's card yesterday.
@morningmorgan6341
@morningmorgan6341 5 жыл бұрын
Maximilian Joachim HA
@MissEnglish123
@MissEnglish123 4 жыл бұрын
I had credit one back in 2006 😁
@sherellefreeman7993
@sherellefreeman7993 5 жыл бұрын
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
@yurybeloded 4 жыл бұрын
Sherelle Freeman i had similar experience with first two 😆
@jdmcarboy64
@jdmcarboy64 5 жыл бұрын
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
@ga5234 2 жыл бұрын
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.
@jeanandrade2737
@jeanandrade2737 5 жыл бұрын
*master card lawyers have entered the chat*
@GrahamStephan
@GrahamStephan 5 жыл бұрын
😱
@smileywelch8086
@smileywelch8086 5 жыл бұрын
😄
@gluckystrong3336
@gluckystrong3336 8 ай бұрын
You made him scared! Lol
@jobo1656
@jobo1656 5 жыл бұрын
How does this man make personal finance interesting? It’s a miracle. Love your videos graham!
@genxnomad1978
@genxnomad1978 4 жыл бұрын
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.
@codeman99-dev
@codeman99-dev 5 жыл бұрын
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
@lynnmorgan7950 4 жыл бұрын
99codemister thank you for telling me I’m dealing with them
@mmitchell2428
@mmitchell2428 4 жыл бұрын
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
@TommyleeATGMAILDOTcom-ws3wg 4 жыл бұрын
Contact hackguru on stefangriffin500@gmail.com, text me on Whatsapp +17178276321 ,expert in credit score fix , credit card and bank hack...
@chrislemaster2695
@chrislemaster2695 5 жыл бұрын
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
@mertz313 5 жыл бұрын
Just why? There are better cards out there with no annual fee!
@codyv8737
@codyv8737 5 жыл бұрын
Bad credit... it’s the only reason I have it too.
@LopezNewEra
@LopezNewEra 5 жыл бұрын
Chris Lemaster same, this card has built my credit to where it’s at today.
@4thwardlinden
@4thwardlinden 5 жыл бұрын
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.
@Jen_P
@Jen_P 5 жыл бұрын
Omg Graham is stepping up his comedic game 😂🤣 when you clapped and changed your outfit hahah. Love it 👏👏👍👍
@GrahamStephan
@GrahamStephan 5 жыл бұрын
Haha thanks!!
@despairedamaryllis
@despairedamaryllis 4 жыл бұрын
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
@glennmillerfan 4 жыл бұрын
Violetta Amaryllis Their American Express branded card actually seems pretty good, though it has a $39 annual fee.
@ray-jt2pu
@ray-jt2pu 4 жыл бұрын
I got screwed with credit one. I applied thinking I was applying for capital one . I'm pissed at my self.
@GigiLovesLola
@GigiLovesLola 4 жыл бұрын
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.
@MP-uw5nj
@MP-uw5nj 5 жыл бұрын
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
@GrahamStephan 5 жыл бұрын
you got it!
@gino14
@gino14 3 жыл бұрын
@@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
@troylollysaf9311
@troylollysaf9311 5 жыл бұрын
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
@him4real262 5 жыл бұрын
Troy Tanw yeah but you could of just used opensky or Bank of America secured
@troylollysaf9311
@troylollysaf9311 5 жыл бұрын
@@him4real262 never told about it til now. This is fd up.
@diablochorizero6586
@diablochorizero6586 5 жыл бұрын
So you still have creditone one credit card ?
@troylollysaf9311
@troylollysaf9311 5 жыл бұрын
@@diablochorizero6586 canceled after 750 credit score
@diablochorizero6586
@diablochorizero6586 5 жыл бұрын
Troy Tanw will do thanks...did they make a big deal to cancel was it hard ?
@ElenaLopez-jk7dq
@ElenaLopez-jk7dq 5 жыл бұрын
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
@TheTyson35 5 жыл бұрын
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!!
@InvestingHustler
@InvestingHustler 5 жыл бұрын
Dave Ramsey approves 👌
@GrahamStephan
@GrahamStephan 5 жыл бұрын
Finally a video he can get behind!
@Meekerextreme
@Meekerextreme 5 жыл бұрын
Cash is still king
@Eddie-gb3bn
@Eddie-gb3bn 5 жыл бұрын
Fuck Dave Ramsey.
@thomasmills339
@thomasmills339 5 жыл бұрын
Dave Ramsey is a fucking jesus- ed up hypocrite. He will burn.
@ericrowan8718
@ericrowan8718 5 жыл бұрын
Except Dave would say no to any credit card.
@danielferede6087
@danielferede6087 4 жыл бұрын
Wow! I can't thank you enough. I'm victim of CreditOne, and I'm still struggling to get out of their trap.
@carmeliterpeter8218
@carmeliterpeter8218 4 жыл бұрын
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
@patriciakristek6777 4 жыл бұрын
Carmeliter Peter's please tell me what telegram is!?
@carmeliterpeter8218
@carmeliterpeter8218 4 жыл бұрын
Patricia Kristek *@Darkjacob* on *telegram*
@nicolederrickson9132
@nicolederrickson9132 5 жыл бұрын
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.
@Hyperions92
@Hyperions92 5 жыл бұрын
Happy 2019 Graham Stephan community!
@nicknoland9704
@nicknoland9704 5 жыл бұрын
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
@antman674 2 жыл бұрын
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
@gainonten4031 2 жыл бұрын
@@antman674 can you expand more on what it means a secured card?
@kobyschechter8163
@kobyschechter8163 2 жыл бұрын
@@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
@paulo7200 2 жыл бұрын
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.
@AllTerrainGuy
@AllTerrainGuy 5 жыл бұрын
Wow! Just wow! Nothing but scammers!! Love the vids👍🏼
@GrahamStephan
@GrahamStephan 5 жыл бұрын
🙌🏼
@ZacharyLaid
@ZacharyLaid 5 жыл бұрын
Bootleg Credit One lmao 😂
@GrahamStephan
@GrahamStephan 5 жыл бұрын
😜
@raphealwood4434
@raphealwood4434 5 жыл бұрын
Surge and total are just as bad as credit1.
@CorkKNIFE
@CorkKNIFE 5 жыл бұрын
Capital One copied Credit One;'s logo. The more you know™.
@1pyroace1
@1pyroace1 5 жыл бұрын
CorkKNIFE I researched n u r correct
@ThaiIsland
@ThaiIsland 5 жыл бұрын
To discuss financial topics, in such a funny and clever way, is refreshing. 👍🏽🙏🏼
@GshockBeats
@GshockBeats 5 жыл бұрын
I love your comedic and informative finance videos so much. I am hooked!
@GrahamStephan
@GrahamStephan 5 жыл бұрын
Thanks!
@WhiteBoardFinance
@WhiteBoardFinance 5 жыл бұрын
Graham is killing the viral credit card video game right now lol
@GrahamStephan
@GrahamStephan 5 жыл бұрын
Haha thanks!! They’ve done well recently!
@jaytwo96
@jaytwo96 4 жыл бұрын
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
@Gwizz-1000 2 жыл бұрын
I concur. same here.
@EdgarHernandez-xj5mx
@EdgarHernandez-xj5mx Жыл бұрын
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
@missmotives6410 Жыл бұрын
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.
@RomeoBarnes
@RomeoBarnes 5 жыл бұрын
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
@nurmayantcoates9436 5 жыл бұрын
Romeo Barnes I just build my credit about 7 months so after a year do you think is OK to close them?
@freerunnersunion_________90
@freerunnersunion_________90 5 жыл бұрын
Except closing cards hurts credit score
@john_thorpe
@john_thorpe 4 жыл бұрын
@@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
@loveyou-gf8op 4 жыл бұрын
Never, never close an credit card account! It negatively effects your credit.
@thisuniquechica
@thisuniquechica 3 жыл бұрын
I know this is an old vid, but, can we get more of this preppy look? It’s comedy gold on so many levels!
@DoD237
@DoD237 5 жыл бұрын
wow! wouldnt have known this if not for Dominic that came through for me. Thanks so much for the referral
@MrTurururu3
@MrTurururu3 5 жыл бұрын
Grateful vid Graham, Amex has increased my CL twice now automatically. Maybe not 3x but still enough for me.
@Thekimfowler
@Thekimfowler 5 жыл бұрын
wow, how can I contact Dominic please?
@schlawienschen
@schlawienschen 5 жыл бұрын
please can you share Dominics contact?
@faiccommercity
@faiccommercity 5 жыл бұрын
can Dominic help me too?
@DoD237
@DoD237 5 жыл бұрын
@@schlawienschen yeah he works for whizhackz
@lisacampbell6149
@lisacampbell6149 4 жыл бұрын
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
@wisemoneyfinance451 2 жыл бұрын
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.
@dolo_c_dubb
@dolo_c_dubb 5 жыл бұрын
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
@user-px3ft7oq8b
@user-px3ft7oq8b 5 жыл бұрын
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
@GrahamStephan 5 жыл бұрын
Ahhh thank you so much!
@christinamoultak6800
@christinamoultak6800 5 жыл бұрын
When you are holding your breath to see if any of your credit cards are on Graham list
@LilBleachThaGod
@LilBleachThaGod 4 жыл бұрын
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
@GLegend
@GLegend 5 жыл бұрын
Truth is, options are limited for some people and companies take advantage of people with poor credit
@marqb936
@marqb936 5 жыл бұрын
I’m so embarrassed... I had these cards
@Rick-kv3gl
@Rick-kv3gl 4 жыл бұрын
Had to start somewhere.
@choosetoshine2610
@choosetoshine2610 4 жыл бұрын
Nothing to be ashamed about. Falling down is part of life getting back up is living. Keep going.
@JayCeeMax
@JayCeeMax 4 жыл бұрын
Personally, I like the Citi Double Cash card.
@choosetoshine2610
@choosetoshine2610 4 жыл бұрын
Great content! I appreciate your diligence.
@direbilimat8065
@direbilimat8065 4 жыл бұрын
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 +1(508)731-4125
@Lelouch12195
@Lelouch12195 5 жыл бұрын
So the last two are the "Wolf of Wall Street" Credit Cards
@carmeliterpeter8218
@carmeliterpeter8218 4 жыл бұрын
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 🙏
@marcgroetsch2216
@marcgroetsch2216 4 жыл бұрын
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
@michaelduncan2995
@michaelduncan2995 4 жыл бұрын
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!
@JustinY.
@JustinY. 5 жыл бұрын
well these cred cards suck
@GrahamStephan
@GrahamStephan 5 жыл бұрын
These cards make the other worst credit cards look great
@smug_slime
@smug_slime 5 жыл бұрын
Great to see you Justin.
@trojjo
@trojjo 3 жыл бұрын
Here's my Boy Justin, he's cracked up his credit my guy.
@traviscarey1205
@traviscarey1205 4 жыл бұрын
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
@TommyleeATGMAILDOTcom-ws3wg 4 жыл бұрын
Contact hackguru on stefangriffin500@gmail.com, text me on Whatsapp +17178276321 ,expert in credit score fix , credit card and bank hack...
@bigiron4u1956
@bigiron4u1956 2 жыл бұрын
Thank you Gram I watch your videos regularly and I see that you are very knowledgeable about the hold credit card knowledge and I really appreciate what you do for everyone.
@nmelcam1
@nmelcam1 4 жыл бұрын
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
@WorldPrestige
@WorldPrestige 5 жыл бұрын
credit one spams too much by mail 😆😆😆
@GrahamStephan
@GrahamStephan 5 жыл бұрын
I know!! 😂
@traviskraemer
@traviskraemer 5 жыл бұрын
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
@chrishesketh5326 5 жыл бұрын
if you miss payment they'll spam call you
@ignazs.5816
@ignazs.5816 5 жыл бұрын
So does Capital One...
@55418und
@55418und 4 жыл бұрын
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
@claudettedoyley9056 4 жыл бұрын
Wise choice.
@serg_lupescu
@serg_lupescu 5 жыл бұрын
Another great video going into 2019! 👌🏻💯
@GrahamStephan
@GrahamStephan 5 жыл бұрын
THANKS SERG!
@Glitchh101
@Glitchh101 4 жыл бұрын
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
@braedenpokar9956 4 жыл бұрын
Just get rid of it
@Glitchh101
@Glitchh101 4 жыл бұрын
@@braedenpokar9956 I've actually considered it but its my oldest line of credit :/
@lll22112
@lll22112 2 жыл бұрын
Graham we need a revision of this series! ❤️
@alexandrarivera2326
@alexandrarivera2326 5 жыл бұрын
Your humor is everything, so amused by it
@cheddarcheese
@cheddarcheese 5 жыл бұрын
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
@insaneminddesign
@insaneminddesign 5 жыл бұрын
I like how you seem to have your financials in order but you not stupid to waste your money 👍 keep up the videos! Have been helping me a lot.
@tonymarquesbeverlyhills5002
@tonymarquesbeverlyhills5002 5 жыл бұрын
I had a bad experience with Capital One! I cancel and never more!
@heresmypersonalopinion
@heresmypersonalopinion 4 жыл бұрын
Tony Marques exactly. They are worse than credit one.
@losttownstreet3409
@losttownstreet3409 3 жыл бұрын
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
@ga5234 2 жыл бұрын
There are better options of you're just starting out.. the Discover secure card, or even capital one.
@tiffanymartin2480
@tiffanymartin2480 4 жыл бұрын
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!
@dozerviper4707
@dozerviper4707 5 жыл бұрын
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
@coltengarrett3956 4 жыл бұрын
Dozer Viper same!
@MikeRosehart
@MikeRosehart 5 жыл бұрын
Man your channel just keeps growing! Every time I come back for a video I see tens of thousands more subs lol.
@GrahamStephan
@GrahamStephan 5 жыл бұрын
Yeah dude it’s been growing by over 1500 PER DAY!! It’s crazy!
@MikeRosehart
@MikeRosehart 5 жыл бұрын
Graham Stephan holy crap!! Lol I’d love 1500/month ahah
@loganhatcher684
@loganhatcher684 5 жыл бұрын
Great freakin video Graham... and thank god I avoided these cards. I get offers from them all the time. They go directly into the trash.
@philrodrigues9270
@philrodrigues9270 5 жыл бұрын
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
@GrahamStephan 5 жыл бұрын
Nice! That’s the way to do it!
@frankiejoseph5043
@frankiejoseph5043 5 жыл бұрын
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
@frankiejoseph5043 5 жыл бұрын
If you have self control USE your credit card...
@philrodrigues9270
@philrodrigues9270 5 жыл бұрын
@@frankiejoseph5043 buddy I own multiple house already have great credit take your own advice
@frankiejoseph5043
@frankiejoseph5043 5 жыл бұрын
What's good credit?
@johnsnow5305
@johnsnow5305 5 жыл бұрын
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
@marcdonvito6485 2 жыл бұрын
Everyone needs to learn contract law to avoid being defrauded.
@evelynferebee1750
@evelynferebee1750 5 жыл бұрын
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.
@gabbyramirez7645
@gabbyramirez7645 5 жыл бұрын
Wow thank God i watched this! I have a credit one credit card, I'm about to finish paying and cancel this card! Thank you so much! You know you helped at least one person 😇
@GrahamStephan
@GrahamStephan 5 жыл бұрын
🙌🏼
@finalbox4416
@finalbox4416 5 жыл бұрын
At this point I may as well make a v-bucks-only credit card with 40% APR
@GrahamStephan
@GrahamStephan 5 жыл бұрын
😜
@kcrollins9760
@kcrollins9760 3 жыл бұрын
You rock… Well researched and quite lucid in ur explanations. Ur on point with the terrible cards you spoke about. Cheers.
@SanAndreasFool
@SanAndreasFool 5 жыл бұрын
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
@GrahamStephan 5 жыл бұрын
😬
@Ndasuunye
@Ndasuunye 5 жыл бұрын
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
@sugarandspice2136
@sugarandspice2136 4 жыл бұрын
Me before playing this video: I hope one of my credit cards (thought it was the same as Cap One) aren't on this list. Me at 1:22: damn! 🙄🤦‍♀️😂
@jddiggy2343
@jddiggy2343 3 жыл бұрын
I hear ya I got mailers from both of them I asked around and did research before opening any accounts sorry got you hope you can get out of it.
@pandclawson2965
@pandclawson2965 4 жыл бұрын
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.
@alanwolensky
@alanwolensky 5 жыл бұрын
1 Dislike from the credit card companies.
@GrahamStephan
@GrahamStephan 5 жыл бұрын
😂
@rogeliocervantez4722
@rogeliocervantez4722 5 жыл бұрын
Can you talk about the Acorns and everything it offers give a video review 🧐😁??
@GrahamStephan
@GrahamStephan 5 жыл бұрын
I might do a review on that one day!
@crazyjoe91682
@crazyjoe91682 3 жыл бұрын
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.
@aaronmelson2887
@aaronmelson2887 5 жыл бұрын
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
@GrahamStephan 5 жыл бұрын
🙌🏼
@beedee9534
@beedee9534 4 жыл бұрын
Have Chase not so great
@CortezTheKonqueror
@CortezTheKonqueror 4 жыл бұрын
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
@fewwok1966 3 жыл бұрын
Lmao
@Genius-rh5lm
@Genius-rh5lm 4 жыл бұрын
Thank you Grahm for all your research already smashed the like button!
@sandimarielavati2354
@sandimarielavati2354 4 жыл бұрын
Martinez is legit and reliable. Have worked with him some months back and believe me he’s one of the legit hackers he’s the best if you need help with credit score fix , credit card , bank account, BTC ,western union,money gram ,phone hack . Contact him on +12013507159 via WhatsApp Mail him on martinezraber@gmail.com
@Gnussbaum
@Gnussbaum 5 жыл бұрын
“Canceled the card and they sent a new one” 😂
@antoniosacco6519
@antoniosacco6519 4 жыл бұрын
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
@icodoane6386 4 жыл бұрын
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
@Joseph-dz8lv
@Joseph-dz8lv 2 жыл бұрын
bro i’m not gonna lie, i’m learning lots thing over here then school. thank you graham
@bruhbruh5970
@bruhbruh5970 4 жыл бұрын
I just went and applied for all of these thanks
@sandimarielavati2354
@sandimarielavati2354 4 жыл бұрын
Martinez is legit and reliable. Have worked with him some months back and believe me he’s one of the legit hackers he’s the best if you need help with credit score fix , credit card , bank account, BTC ,western union,money gram ,phone hack . Contact him on +12013507159 via WhatsApp Mail him on martinezraber@gmail.com
@98Thecodfather
@98Thecodfather 4 жыл бұрын
@@sandimarielavati2354 not how it works indian bot
@mikeboy337
@mikeboy337 3 жыл бұрын
@@sandimarielavati2354 shut up ding dong
@cocoleluz
@cocoleluz 5 жыл бұрын
I have 2 credit cards and I’m going crazy, none of those 5 but still a lot in interest. 🤦🏾‍♀️
@Warrior_Resisting_Colonialism
@Warrior_Resisting_Colonialism 5 жыл бұрын
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.
@shirleylake7738
@shirleylake7738 3 жыл бұрын
Thanks for the CC critique
@zephyr1986
@zephyr1986 5 жыл бұрын
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
@missmarcicolettle78 4 жыл бұрын
Kayla Matheney I have them too
@agentchaos9332
@agentchaos9332 4 жыл бұрын
I mean..when you have awful credit and “ nowhere else to go to build credit” isn’t that what secured cards are for?
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