I Found The WORST Credit Cards (So You Don't Have To)

[@SpencerJohnsonOfficial]

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[@petes101]

Unfortunately I had the misfortune of applying for a predatory credit card early on in my credit journey, but I was able to cancel it before paying any fees, so crisis averted :(

[@SpencerJohnsonOfficial]

Thank you for sharing your experience with us! I'm really glad you were able to get out of that situation unscathed though.

[@Nanoparticle7]

I carried a balance on credit one for 7 years. I finally got wise paid off everything and build my credit to just under 800, now I never carry a balance, never pay for first class vacations, I have two first class trips scheduled in 2025 all on points. I have 7 credit cards. And I do pay fees on my Amex Platinum, Chase Reserve, Amex Hilton and a few others, but where else can you get a $7,000.00 first class one way flight on a good airline for 80.000 points? No more stress fighting the crowds, with clear, TSA Precheck and Global Entry along with lounge access. Oh and lay down seats too.

[@SpencerJohnsonOfficial]

That is so awesome to hear! Success stories like these are amazing to read, so thank you for sharing! I hope someone reads this and follows in your footsteps.

[@gphysco]

May I add the first primer card makes it annoying to pay them sooner then later. I had to call in the number and input my info to the bot on the phone for them to receive the payment sooner then waiting a week or so for it to show up on the app. So paying with a debit card only available on the phone and inputting all my info gets annoying every time.

[@SpencerJohnsonOfficial]

Wow, it only gets worse. Thanks for sharing your experience!! That’s extremely annoying for sure.

[@Just_Stevo]

These kind of cards are insanely predatory like you mentioned. It's so unfortunate that they even exist. Folks that apply for them probably shouldn't have credit cards to begin with.

[@SpencerJohnsonOfficial]

I completely agree. Hopefully calling them out will help people avoid them, but their aggressive marketing techniques still fool folks unfortunately.

[@JPBuffet]

Why was one of my first card the Carnival Card. Once I found out about Points and Miles, I shook my head haha, the worst.

[@SpencerJohnsonOfficial]

Hahah yeah, like I said in the video, it's shocking how mediocre they are most of the time. Pretty sad! I'm glad you moved to the points and miles game for sure.

[@biancas808]

Solid video. I never knew that cruise lines offered credit cards but it makes sense that they do.

[@SpencerJohnsonOfficial]

I appreciate you Bianca! Unfortunately most of the cruise line cards are pretty terrible, but I’m sure there are diamonds in the rough.

[@Fish4Points]

very surprised by the Amex green business card. Amex definitely needs to refresh that card. Thanks for the info

[@jonboybluegaming]

Discover Secured and Student blowing these cards out of the water is embarrassing to say the least

[@Stayc3]

Great video... Ugh talking about going from bad to worse. I had no idea some of these cards even existed. How is it even legal!

[@SpencerJohnsonOfficial]

You're telling me! There are some seriously predatory cards out there.

[@jimmyjames6492]

Thanks for the info + video!

[@SpencerJohnsonOfficial]

Of course Jimmy! Thanks for watching!

[@jeremymoore450]

Spencer, The green card you mentioned is definitely terrible that is Amex’s corporate green card and sorely needs a refresh. I hope Amex fixes it.

[@SpencerJohnsonOfficial]

Maybe one day! Thanks for watching Jeremy!

[@sjg6158]

Even if one has bad credit, there are still other options than these. Thanks for sharing Sir.

[@SpencerJohnsonOfficial]

I completely agree! Thanks for watching as always!

[@michellee1190]

I’m big on Disney Parks and I think the Disney Visa is about as bad as a Walt Disney World churro. (DisneyLAND churros are pretty great and fresh on average. Disney WORLD churros are stale and bad and only there to trick people who have heard that “Disneyland Churros are great!” And they don’t understand there’s a difference.) But if you have a Chase checking account you can get a Disney Visa Debit card for access to the special events and photo ops in the parks only available for Disney Visa holders.

[@ToboeKey309]

No brand credit cards like retail store credit cards or a credit card company like credit one which looks like capital one n im shocked credit one didnt get sued for having a similar name as capital one lol 🤣🤣🤣

[@Jason-me6qg]

Continental finance with $90+ annual fee charged on opening and no rewards for all their cards🤧

[@SpencerJohnsonOfficial]

Super annoying that cards like that exist!

[@Polo1928-v2e]

I never needed but a great starter Card would be the Chase Freedom Rise card.

[@SpencerJohnsonOfficial]

True!

[@NathanielRay_official]

Thanks Spencer!

[@SpencerJohnsonOfficial]

Thanks for watching as always man! 🥉

[@jcaceres516]

How about a list of none predatory cards? These are kind of obvious. From the major banks, that would be fun

[@SpencerJohnsonOfficial]

I tried to sprinkle those in at the beginning, but that's not a bad idea! I may capture those in a ranking type of video or something like that. Thanks for the idea!

[@marinrodriguez7729]

You cant make this stuff up! 🤣😭 Not sure whether to laugh or cry. Big shout out for calling these cards out and bringing them out of the shadows and into the light! 🔦 Oh the shame! I hope you thoroughly disinfected your tech after featuring them🤮 Here's a thought...get this info to the people at 60 minutes. I feel like these cards are that bad and if anyone can shame these banks or help push new regulations it would be 60 minutes. Keep up the great content!

[@SpencerJohnsonOfficial]

Dude I know! It’s so bad lol. I definitely disinfected thoroughly after this one 😉 I appreciate your idea as well! I worry that these videos don’t reach the people that need it most, so it’d be great to get this info out to them however possible.

[@Pyrt3223]

Me looking at all these cards on my “recommended” section. Can you make a video with credit cards you recommend for port/fair credit

[@SpencerJohnsonOfficial]

That's the unfortunate truth with their marketing! As I mentioned near the end, really any secured or beginner card from a reputable bank makes more sense than these. I may make an updated starter card video in the future though!

[@joanreilly6419]

Great content

[@SpencerJohnsonOfficial]

Thank you so much for watching!

[@Tru3_kills]

Credit one is such a scam lol!

[@SpencerJohnsonOfficial]

Absolutely.

[@griffielliott279]

Thats crazy 😮😮😮

[@SpencerJohnsonOfficial]

Right!

[@TravelBloggerBuzz]

Some of these outfits issuing these cards should be put out of business to stop inflicting cruel punishment.

[@SpencerJohnsonOfficial]

Agreed! They're super predatory.

[@1bridge11]

F Disney.

[@SpencerJohnsonOfficial]

Seems to be a common sentiment haha

[@MrDmoney1984]

Lmao finance a Disney trip, you damn near have to get a second mortgage just to afford the first 2 nights and that excludes food

[@SpencerJohnsonOfficial]

That's why I'm not a big fan of that marketing bullet at all. It can get folks into trouble quick!

[@vickiarnold7300]

Disney reward dollars can be used for credit statements for flying any airline. Otherwise, they're ridiculous to get them. Great job on KZbin ♥️

[@SpencerJohnsonOfficial]

Oh interesting! What I was reading stated you couldn’t use it for anything but Disney redemptions, so thanks for clarifying! I appreciate the support as always Vicki.

[@eddieleejoseph2998]

🗑🗑🗑

[@acetheking3136]

Done forget credit one charges you for a credit limit increase 😂

[@BenStenson]

What about the US Bank secured credit cards?

[@soapa4279]

The no AF Disney card is "ok" only if you already shop for Disney stuff anyway. As a family of 5, the 10% off on the shops and certain food places really adds up. I think I saved like $300 from the last Disneyworld trip we went in Summer. Edit: The Amex Business Green is truly trash tier

[@wesleycoats]

Disney worse than amex green

[@SpencerJohnsonOfficial]

No annual fee cards are much easier to justify no matter how mediocre they are. But when they charge annual fees, that's when things get bad.

[@haroonsaiff]

Bro can you please make a video on credit card management app

[@SpencerJohnsonOfficial]

I made one in the past! They’ve made plenty of updates since then which I’ve featured through integrations in other videos, but I know that’s not always the easiest to find. Let me know if there’s anything specific you want to see!

[@haroonsaiff]

@ please bro make a updated video for me

[@GoldenRuleHomes]

When I grow up I want to be Odin.

[@SpencerJohnsonOfficial]

Don't we all?

[@Tristin471]

I remember getting daily emails from Destiny to get one of their cards 😂 I even got a mailer that had the terms. You'd have to be a complete moron to sign up for that card!

[@SpencerJohnsonOfficial]

These companies definitely have aggressive marketing tactics for a reason! Sometimes people just don't look super carefully at the terms and conditions and get stuck with a stinker like the Destiny card.

[@Tristin471]

@ The terms weren’t even small print. It had the ridiculous annual fee in large print!

[@SpencerJohnsonOfficial]

@@Tristin471 Hiding in plain sight! 😆

[@BobI-jb4rk]

This definitely a big batch of stinkers.

[@SpencerJohnsonOfficial]

Agreed!

[@samanthagriffinv2.08]

Any credit one card

[@SOXGATORS]

😊

[@SpencerJohnsonOfficial]

Thanks so much for being here early as always! 👑

[@rommele.maderal]

❤❤❤

[@AhmadKhwajazada]

First

[@SpencerJohnsonOfficial]

Danggg super close man. I appreciate you nonetheless! 🥈