Credit Scores and Reports 101 (Credit Card and Loan Basics 2/3)

[@jiminstinyhands7776]

thank you for these! you just saved a person whose learning how to adult

[@ZekSanchez]

yes I am learning how to adult as well I'm tired of kidding

[@W1LDWESLEY]

I learned from my parents and from paying off two motorcycles... Do not go into debt for it pays to save but drains to pay debt!!!

[@Enoxificatti]

Saving to buy sounds much more safer.

[@tokyocrystal]

I'm 28...and this helps so much.

[@menposed]

Where was this when I was 18, it would have saved me tons of headaches in life

[@b100dr4g3]

Thank you for these videos. It's really surprising that there are so low views on these videos. Everything explained in this video should be common knowledge to the entire nation. I guess that's why so many people are in debt though.

[@atticusjones]

Do I have a socio-economic structure for you!!!

[@Iwasonceanonionwithnolayers]

@@atticusjones Well...what is it!

[@modestphillips]

I’m 30 and me and my wife just looked into it I’m hooked now already doing pretty good for myself it was due time

[@kinoosako7322]

As an adult, I used to still get confused by this.. until now lol Thanks

[@natperkins9310]

Thank you this is helpful as my daughter is now learning about credit scores and credit reports!

[@1upjayy-ey1bl]

hey

[@jazmine4735]

My name is Jazmine and I was caught off guard haha, thanks for the insight! It was very helpful

[@thebruh8904]

im turn 18 next month and trying to use youtube to teach me all this i need to know 😭 i’ve been up all night it’s 7:30 in the morning

[@KingsleyOseiAbrah]

It’s so funny how the one thing that we literally run our life on,credit, is the most confusing thing on earth.

[@greaper_1233]

Me being 12 watching these:🤔🤨👁👄👁

[@EvsPersonal]

You are wayyyyy ahead of your game. Good for you. The quicker you can learn about how to be an adult the better. Should be proud of yourself

[@rayrynZ]

That’s what I’m doing, learning about credit score and all that stuff because I want to be able to open up a car shop one day

[@muffinchannel8218]

Me being 18 watching these: I am just like jasmine

[@sobree9743]

Better than being 19. Thats for sure.

[@Psycho_SugarCraze]

@@muffinchannel8218 bro our generation's lost

[@NaiLaYahNiu21]

great informational videos!

[@jersonirinco3437]

very helpful. thanks..

[@katelynkeifer7887]

Sooo, don’t use your credit card unless you know you already have that money in your bank account or you know you will get that money before the due date. So if you don’t have the money to buy something in the first place, don’t use your credit card.

[@daniabrowne723]

Yes

[@Enoxificatti]

So what's the big idea then? Why is everyone using this? Personally, I find that paying with credit is useless. Unless, the true meaning of using this is to rack up all the benefits a good credit score can provide?

[@enkandescent1591]

​@@EnoxificattiYes

[@Enoxificatti]

@@enkandescent1591 👀

[@nilla13gamer72]

@@Enoxificattiyou are completely right, the idea is to use a credit card as a debit one but with great benefits and a high credit score (because you’re proving that you’re able to do so)

[@modz9816]

Beautiful video

[@justina.6731]

So with you saying that you should use only 30% of your maximum credit line, Does this reset Annually? (Example: In 2022, I receive a new CC with a Maximum credit line of $100. So I should only use $30/$100 For the full calendar year. But in 2023, would I be able to utilize $30/$100 again or will 2023 be considered as $60/$100?)

[@samuelrose8742]

anyone’s opinion? IOT give me a little history. I took loans for

[@kittykatkween]

The fact that my name is jazmin makes this hilarious

[@nicholasbotz684]

"Jasmine has been too afraid to use credit herself" it's me I'm Jasmine

[@katekingsmith6943]

It really a gud motivation to me

[@norrinmtz]

my teacher made me watch this 😐

[@ShiftNova]

Wait, so if you have zero credit. How would you check your credit score? I mean if know it is zero there isn't any thing to check, right?

[@PuddinPouchPanda]

You should still check in case there is something attached that you didn't apply for or debt that isnt yours, it actually happens quite often, like your parents/siblings medical bills. And no credit doesn't necessarily = 0 credit score. You start out with a low credit score until you prove you can make payments on time, which becomes your credit history. Zero credit just means you have no credit history

[@ShiftNova]

@@PuddinPouchPanda Thank you.

[@chasingforeverbb]

Balance the checkbook, and water the ficus.

[@dylancooper9470]

If I have no credit history and applied for several starter cards each time I got denied. Does that effect my credit score?

[@Tentegen]

Usually. For these businesses to see if you are okay enough to be approved, they will check your credit history & score. Sometimes they will "ding" your credit score. Some businesses will let you know if they will be big hits or not. Some may let your know that they actually won't. But if they do, it will go down and stay down for a few months.

[@beyoncerich9795]

yes

[@treacyshields9061]

is there a way to slow down this video? It is fabulous but way too fast for my students to follow

[@brapak9483]

On the IPhone's KZbin app in the top right corner of the video click the 3 columned dots an select playback speed in the drop down menu could maker slow or fast af boiii😎

[@vxdia8738]

Me learning early

[@dmknight08]

Why does Jasmine dress so bad? Who wears tube socks with a dress???

[@lionelfaith3646]

😂😂😅

[@toxiic7200]

Im 15 i don’t know why im watching this

[@Enoxificatti]

You need to learn, or else the system we live under will eat you alive.

[@Juwelzs]

E

[@MohdNorhisham-jk4fz]

Najib urusan

[@Idspamaccont]

How do you get your credit report?

[@SB-ls7qj]

Credit karma or go to your bank