What is Credit

[@missemma111]

iM OFFICIALLY DROPPING OUT OF SCHOOL, RACHEL IS TEACHING ME MORE USEFUL THINGS IN 8 MINUTES THAN SCHOOL HAS TAUGHT ME DURING THE PAST 9 YEARS

[@biancareyes5511]

so truuu

[@haileykonieczny]

IKR! These are skills we are actually gunna use in our lives

[@makattack9245]

IKR

[@Max-ue7qu]

Lol yeah

[@worpy6159]

OMG SAME FOR THE PAST IDK 12 YEARS SCHOOL DOESNT HELP WITH ANYTHING! RACHEL IS MORE FUN

[@elisesworld9552]

But yet Rachel teaches me more then my teachers

[@elisesworld9552]

...

[@emyliejolene5436]

same girl

[@emyliejolene5436]

+Paola Kripa 😃😃😃

[@kayparchment5960]

Tbh

[@jocelin427]

ikr

[@HelloXRyan]

i literally had no idea what credit scores were THANK YOU

[@HelloXRyan]

i dont wanna be an adult

[@courtneyystapleton5290]

literally ryan ilysm

[@caelimcmahon882]

Same!!

[@pervertballs2687]

Haha

[@boogersarethebreakfastofch3668]

Lol same

[@ashleyabate2068]

these learning Sunday's videos teach us more valuable things than school does

[@jonathanreilly7503]

literally tho

[@jaden-mansfield]

4 sure

[@angelinarose1384]

OMG yes

[@maryt8218]

This is true

[@JunkyArtist]

True

[@izzyf_m3007]

This gives me anxiety

[@kaci7129]

Same

[@chloee4982]

Ike 😔😬

[@chloee4982]

+Chloe Pendergrast ikr *

[@rubycowart2739]

same tho

[@selamhaile6725]

same even though I have a debit card

[@JillCimorelli]

"what is credit" lol me trying to adult

[@nishajohn7847]

You're not a real Cimorelli

[@iheartmustachesXP]

THANK YOU FOR TEACHING US STUFF THAT WE WILL ACTUALLY USE IN LIFE

[@jksbananamilk]

IKR, when im an adult im just gonna go back to all these videos 😂

[@gabrielcampos9453]

+Pink Karma Same 😂

[@emmie3069]

Forget school

[@iivioletaiio3275]

I tried to like your comment by double tapping it😂I am dumb

[@kat-iv8lu]

YASSSS thx. I've seen SO many you tubers who teach kids something they'll NEVER use in their life

[@MIKE111596]

I've learned more in 8 minutes and 31 seconds than I did in all 4 year of High School lol

[@daisiesplace9789]

+Deep Red I love these but u can't base ur smartness on a video

[@OneworldOnelove36]

The only thing about money that I really learned was how to sign a check. There are some things I still need to learn.

[@fionakallman4322]

SAME

[@daisiesplace9789]

I know

[@jess1486]

I swear I learn more from Learning Sunday's than anything else on the planet.

[@kaci7129]

Same its better than school

[@kristinnagy3320]

me too! i wish this counted as homeschool so i didnt have to go to school 😊😊😊

[@gillianradpour5746]

I know, I'd rather do this than school

[@yicki9666]

same

[@jellomonster531]

This is actually a very important topic to go over and I'm so glad that you made this video. Remember people! Don't use money that you can't pay back because your life can easily spiral downhill.

[@jellomonster531]

And you actually don't need a credit score but it can make things easier, as long as you are responsible with your credit

[@RetroGeekCollective]

You CAN go without a credit score. But then you have to pay everything in full. Cars, homes, everything, sometimes young people, such as the ones she is directing this towards, don't realize the cost of a car or house. Like she said you won't be able to rent a decent apartment, rent a car, sign up for Directv, she only mentioned directv but this goes for any contracted service such as cell phone service as well, they will all require a credit check. 😫😫😫😫 Credit and taxes is all so complicated.

[@sabahajem9828]

Finally someone that teaches something we will use in life.... Take notice schools....

[@mooslimabeer637]

+WhiskersPlaysGames 😂😂😂😂😂

[@kelyshaisaac6370]

+WhiskersPlaysGames 😂😂😂😂

[@bernadettewelsh7688]

tru

[@sarahcrowe9072]

Boyinaband.... 😂🔫

[@littlebigfanart4516]

😂😂😂

[@emilymarierobertson]

So love that Rachel does these. Everything she teaches us is something that makes sense and is useful. Keep it up rachel! ❤️

[@emilymarierobertson]

*I love

[@nia2080]

can we learn about Taxes too?😊

[@shelbyvaughn7818]

YAASSSSSSSSS what a great idea

[@Idellle]

no. It is different in every country

[@megan8001]

+Idellle well driving is different in every country but Rachel did it so shush child

[@nia2080]

Well then she could do it as a series like Taxes: America or Taxes:England

[@mark-eq2nx]

She actually talked about it already once in a video...

[@ANI_MM]

Rachel's lessons are actually very useful for me! Who else agrees? I'm so glad I'm actually learning useful things from KZbin.

[@lisamcafee3252]

*doesn't even have a credit card but it's Rachel so I watch*

[@Bria_Boii]

😂 Same

[@vanshikavekaria6482]

same

[@brittanyriggs3507]

Same

[@lyd8586]

Same😂

[@blahblahblah7islucky]

That's the point. It's to teach kids all about credit scores and credit cards so that when you DO have to deal with them, you won't be in the dark.

[@kayla2465]

I actually really like this series because it helps me out about learning the basics of being adults and stuff lol

[@andrewwjs]

Rachel teaches me life lessons. School teaches me how to solve 3h × 7 = 63.

[@sandragail2115]

ITS 3 I FEEL SO SMART

[@sandragail2115]

Abby Litton hehe 5 seconds before you bud

[@oliviam2726]

But that equation is relevant to life. Wait until geometry. Then you'll wonder how the Pythagorean theorem will help you

[@cvschroe]

+O Shane Omg I learned the pythagorean theorem about a year ago and it's useless in life

[@adamemac]

h = 3 !

[@ChannonRose]

Love these videos! xoxo

[@jadavdb]

I LOVE YOU

[@abbie3747]

I love you Shannon!💗

[@abbie3747]

I love you Shannon!💗

[@jaden-mansfield]

Omg channon!

[@camygeorge7368]

Omg Channon! Love ya!

[@morganblume556]

Learning Sunday's is by far the best Rachel series !!!

[@superchick99]

Learning Sundays are so so informative and helpful. I love that you break everything down and make it much simpler!

[@livinlikeliv7609]

Thank you Rachel for making me smart now I'm ready for school😂

[@uh2850]

Ikr!

[@pharhatbulak]

Fuck school lmao Rachel's teaching me more then my teachers ever will 😂

[@laurenaubry129]

+pharhat bulak tru tho😹

[@MadisonCantwellDance]

I like this because school is just about passing, not learning. Rachel allows us to learn. :)

[@elliesandler9210]

could we hv a lesson on cursive writing? ik it but I've noticed that many ppl don't know about it but need it to do signature or exams or whatever but dont know what to do because they don't teach it in school anymore

[@DaniJean1]

They don't teach kids cursive anymore?! Woah! 😳

[@cvschroe]

Um ya they do teach it in like every school almost

[@elliesandler9210]

+Hey It's Caroline for someone who's moved a lot of times and has been to a good amount of different schools they do sometime teach cursive writing but only when they have nothing left to do like at the end of the year for instance. and then since it's at the end of the year they end up stopping at like j and u don't know the rest but are expected to know

[@khaliachap9063]

i think they still teach it, but only in one grade in elementary school. i learned it in third grade and all my siblings after have too

[@ericaschaidt8588]

You're best bet for cursive may be to get a workbook from the store and practice. (and that goes for anyone interested) I've picked up some for my kids because around here they've dropped it from the curriculum. I understand how important technology/computers have become but it still seems as if there is a place for cursive. From reading older documents to as you said signing your name.

[@hannahauld629]

I love this series! I find it completly refreshing to learn off of our role models, and i love the fact that in these videos we are talked to in a relatable human way, not patronisation like that of teachers. I wish more youtubers would do things like this seeing as kids spend so much time on the internet today. Thanks rachel, im a huge fan!!!

[@k0bOO]

difference between credit cards and debt cards

[@krisdolgach3518]

+

[@katherinestahl7641]

With a credit card, when you buy things with it you get billed later the amount you owe. A debit card is connected directly to your bank account and when you buy something the money gets taken out of your bank account when you purchase. Basically a debit card is just a convenient way of paying for things without withdrawing money and paying with cash. Debit cards don't affect your credit score at all. Hope this helps a bit! :)

[@lillynguyen9705]

+Katherine Stahl can u earned credits with debt card

[@katherinestahl7641]

Lilly Pink Nope, you can only earn credit using a credit card or taking out loans :) Getting and using a debit card won't affect your credit in any way

[@k0bOO]

+Katherine Stahl thanks for the help

[@devind1736]

Thank you so much Rachel! I'm in middle school and I want to learn these things before I have to deal with them. So thank you for telling me this, so I have at least a LITTLE bit of a head start for what is to come in the near future. So thank you very much!

[@phosoph]

last time i was this early kids knew who hannah montana is

[@sarathomason1494]

Lol

[@juliaflynn326]

too true

[@annaconway944]

I'm 11 and I Love Hannah Montana #DontJudge

[@cookiepandaz5365]

Used To love that show #MissingOldDisney

[@jordandaniels577]

Yep. I remember Hannah. I never watched her but I was obsessed. my "best friend" in preschool liked her so I had to love her too.lol😂😂

[@sarahblackstone5861]

I learn stuff I actually will need in life from Rachel but in school I learn random stuff that I will never use. I love you Rachel.

[@eduardofromtx]

The fact that most high schools don't teach this is crazy! thanks Rachel ;)

[@humza973]

Thanks mum for the advice! Saved my life Rachel literally

[@marieoceanne]

thanks Rachel, i'm 14 and now i'm ready for life

[@lucysart1699]

This video was super helpful. I feel like all of your other teaching videos are geared towards people like 13-15 years old and are things I learned a really long time ago, so as an adult I found this relatable and helpful!

[@dawndishdetergent8739]

If you're reading this, just always know that I'm beautiful

[@dawndishdetergent8739]

I bet you didn't expect that

[@rachelhull3626]

thank you

[@mackenzieheerdt2231]

Deep thoughts right here....

[@mollymd4688]

Miranda Sings, is that you?

[@jessiejones3840]

+gymnastics 1127 that's actually funny 😂

[@serenalarrow4918]

I'm so happy you started these learning Sunday videos because they don't teach things like stuff about credit score and etc. I've been so curious about credit score for a long time so I'm really glad that you made this video.

[@manilak4415]

Rachel should honestly be a teacher!

[@adamr-j232]

This was actually super super helpful, I honestly hope they show this video in schools- 10x more important than the crap they fill your heads in at school!!

[@imogensanis1781]

Me: *goes to school to learn about pointless things I have no interest in nor will I ever need* Me: *comes home and watches a KZbin video teaching me useful lessons for the future*

[@CaitlynLG]

Wow, for the most part so far I already knew about the things being taught in learning Sundays. This is a new one for me and now I feel much more educated! Thanks, Rachel!

[@georgia_act]

Hey Rachel your fantastic

[@juliaflynn326]

I totally agree with you

[@johnnypooncy]

*you're

[@georgia_act]

Johnny Poon Oh crap, i noticed that right after a posted XD

[@katherineball3679]

Her hair looks so smooth!!! Girl ON FLEEK DOE

[@jameson1841]

"america needs good credit"- Rachel ballinger 2016 #RachelBallingerForPresidebt2016

[@yessiazuara1064]

THANK YOU. Just last week I started learning about this stuff and I know nothing of it. It's kinda ironic for me how you just uploaded a video that I actually need to learn. These 8 minutes helped me better than the 5 hours that I've been there so far :-)

[@tanashiahuff5565]

Notification Squad Where You at

[@kendallford3040]

Here!

[@boogersarethebreakfastofch3668]

Here

[@daisyk6329]

Here

[@infuria]

aaaayyyyy

[@gatorhaley1774]

Lol here

[@aholloway550]

I'm loving this series sm!

[@_chandley]

I'm on a learning Sunday watching spree. It's 3:00 am. 😴😴

[@ashante8191]

I'm really loving this series

[@leslieeg]

My cousin stayed with his cheating wife because of her good credit score 😌😌

[@abidasikander361]

what the hell.. Lmao

[@isabelserrano3673]

Ummm......okay that's cool😳

[@quazary9172]

Literally me

[@nijah.]

😂😂🔥

[@RalphDratman]

Oh come on did he really? Really?

[@Piscesgarden]

This really helps me. I am 22 and have no credit and I don't feel like there is anyone in my family that can explain how credit works in a clear and concise manner. I have been loving these Sunday videos and being able to take something away from this one is awesome!

[@viridianamoreno]

Love u Racgel like always good video!!!😘😘😘👏🏼❤️❤️👌🏼👌🏼😊😊👌🏼

[@viridianamoreno]

Rachel**

[@venisshakennedy1999]

Rachel is teaching us how to be an adult and that something schools don't. Thanks Rachel you legit help out our future. 💕

[@maliyiengyouav2244]

Rachel, just become a teacher on utube already 😂😂 I mean I learn more from learning Sunday then 9 years of school. 😂

[@mariyamshiekh9365]

i love this series so much!! omg yes continue thissss!!!

[@Robin_mackay]

Hi Rachel:) Love from a small youtuber😜

[@kyleharwell2041]

Hi!! I love your channel😍😍

[@ellienelson6822]

Omg hii:)

[@SuperMan-tr9el]

Just saw your channel:) Subbed👍🏻

[@danielrobertson6094]

Hiiiiiii I love your channel😄

[@Robin_mackay]

+Daniel Robertson thankyou😁

[@thesammyshow26]

Being 19 years old this was the most helpful learning Sunday video you have done yet!! Thanks Rachel!!

[@kadrikmatt6595]

Rachel, please do a how to create and edit KZbin videos! That would be amazing!!

[@shivannirambaran5272]

I would love that, it would be so helpful

[@ennyandreahaugland9642]

I wish there were people like you when I was growing up and becoming an adult. You are fantastic

[@faithappleton6672]

This is what they need to teach in school😂👌

[@mayab7436]

watched this for the first time in 2016 and its stayed in my head since then. now im 19 and watching again before signing up for my first credit card. just as helpful as I remembered. thank you!!!!

[@karakat1296]

Who doesnt rachel just become a teacher??

[@karakat1296]

I mean she would be so good

[@MaroonerForever]

I'm so happy you did this video, it taught me SO much thank you Rachel!! 💜

[@megankoenig6660]

How was baby O'zell?👶🏾💚

[@Sophie-dy7nu]

I'm loving the learning Sunday's!! I'm learning about things that I will use, unlike school.

[@kathypaz4642]

Today was my best friends birthday lol random fact

[@cvschroe]

Fun.

[@onid5114]

+Hey It's Caroline we have the same name

[@alice-yw5tc]

this is cute

[@lexbray4801]

i hate that game. they sponsor too many people

[@alice-yw5tc]

+Lex Bray ??

[@dylanalexander2025]

Rachel, this video saved me!!!! I would always see those CreditKarma commercials on TV and I was SO confused and Im glad now that I know what it is and can start to build a good credit score.

[@josh_the_berk5999]

Is this the same in Britain?

[@MrHws5mp]

Pretty much.

[@sam6719]

I think so

[@kaleighbrooke4144]

This is so amazing that you're doing this. Thank you so much Rachel! Best video.

[@nijah.]

Then what is debit ?? 😂😂

[@jamiefjf]

Debit is having the money to pay for something before you purchase, If you don't pay credit off you end up paying interest on owed balances, so end up paying more then the original amount you spent! Credit is short term borrowing where you owe the money until you can afford to pay them back (e.g. You need pay a bill but you have no money and your pay check is due end of the month, pay the bill on your credit card knowing you can pay that back end of the month) pay the balance - no interest or charges, can't afford to pay the balance? You've still paid the bill but can pay it back in parts with your card! All credit cards have a minimum and full payment, pay the minimum avoids late payment fee but you still owe money and incur interest, paying off in full each month means you pay nothing more than what you have spent! Banks charge interest to fund running a credit card for you! Hope this helps :) x

[@adamemac]

Debit cards are connected to your checking and savings account at a bank. When you use debit, the $ is paid from your checking account. All debit cards are ATM cards. ATM machines at banks and other places give you your own money when you want it. Hope that helped. : )

[@jessicapurgason5680]

+Jamie Fairhurst I bet that was helpful😂

[@ericaschaidt8588]

basically debit is the quicker way of writing a check. It used to be if you didn't have the cash on hand and hadn't gotten to an atm if you wanted to pay you would write a check. then the money would be withdrawn from your account. Most stores or many don't run checks or if they do they do so electronically and basically like a debit card and the withdrawal is instant. A debit card gives you point of sale access to the money in your bank account a credit card is the ability to pay for things via credit. you still have to pay it back however with the possibility of interest.

[@lakefamily733]

It’s a card that takes money directly off of your bank account

[@makaylad961]

I love your enthusiasm in all ur videos! your amazing and don't let anyone tell you otherwise! Keep up the good work Rachel!!😊💞

[@kyrastandl907]

is this an american thing? cause i'm from europe and have never heard about that

[@iulialoghin9117]

Im from europe 2 high five👋🏻

[@gemmacollins556]

I'm pretty sure in Britain there are credit scores because I've seen adverts about it. I'm not sure it's quite in the same way as it is in America

[@LadyAurian]

No, not necessarily. Where I'm from credit cards are more likely to be seen as a bad thing, because you are spending money you don't "have". Debit cards are the norm, and paying bills on time is how you show you're trustworthy when it comes to money. Are debit cards the norm where you are from? If they are, you probably don't have that system.

[@kyrastandl907]

+LadyAurian yes! everybody uses debit cards where i'm from and it's kinda weird if you own a credit card

[@CourtneyKinch]

i love your videos!

[@RudeboyZolanski]

Oh my gosh Rachel continue making this Learning Sundays. VERY INFORMATIVE! Thanks

[@marinachristine2591]

I'm 18 and I didn't know 90% of this. Bless you, Rachel 🙏🏻

[@TheBigYouTubeTheoryx]

I adore learning Sunday's! Also, I loved seeing you live yesterday - ilysm 💗

[@maddyandbffful]

These financial lessons are actually really helping me understand things that I will need in my future. I'm only 15 but it's great that I know about these things now rather than when I actually will need to apply them.

[@erinkiple1578]

RACHEL IS LIKE MY OWN PERSONAL TEACHER. I DIDNT KNOW IF I WAS GONNA LIKE THESE VIDEOS BUT THEY ARE AMAZING!

[@laurentedeschi8545]

"You're going to be smart and listen to what I'm saying" same Rachel

[@claraelsner1334]

Not only did I learn somthing, but I also enjoyed it! Rachel is awesome!

[@snehagade15]

Rachelllll your teaching skills are amaaazzzzzingggg! I'm enjoying myself while learning and I understood everything... which makes me feel awesome. so keep doing these awesome vids!

[@elizabethweasley1583]

These are my favorite videos of you! Please do more!!💕💕

[@abbywalsh7078]

I love Rachel's learning Sunday's!!😍😍😍👍🏼👍🏼👍🏼

[@MaddiBowman]

Rachel is the only person I know that actually teaches things we will need to know in life

[@haleyfouse5608]

Don't stop doing these!! I'm leaning so much

[@lauraortega101]

Thanks so much for learning Sundays, Rachel!!

[@itzmaddyy9454]

Rachel's rants give me life

[@michelaviles9889]

I love you Rachel!! Thanks for teaching me what my life might be like in a few years🤔💕

[@MissSongBird07]

This was literally the most helpful thing I've ever watched

[@joewinkler8932]

I appreciate these videos so much this is the only place I get real education I feel like I'll be able to be an adult someday and it's only because of these videos please don't stop making them THANK YOU RACHEL BALLINGER

[@C0ldCa53]

I took a year of financial management and economics in school and never learned as much as I did in this 8 minute and 31 second video. Thank you. Genuinely, Thank you.

[@Olivia_C_]

I needed this! Oh my gosh! As a young adult who knows absolutely nothing about doing adult things because I refuse to grow up yet, it all makes sense now

[@simplyelena557]

I LOVE THESE VIDEOS RACHEL!!! THANK YOU FOR BEING MORE HELPFUL THAN SCHOOL

[@clarewiberg2851]

Learning Sunday is actually really really helpful! It explains adulting in a simple way

[@annakubitz]

I LOVE THESE LEARNING SUNDAYS VIDEOS SO SO MUCH THANK YOU RACHEL

[@Meghan.deluca]

You're teaching us things they never taught us in school that we ACTUALLY NEED FOR THE REAL WORLD thank you

[@somefuck1427]

I need to come back to this video in about 7 years

[@nolanneel5236]

This is the kind of lesson we should have had in high school. Thank you Rachel.

[@molly4000]

I HAD NO IDEA WHAT ANY OF THIS MEANT BUT NOW I FEEL SO EDUCATED THANK YOU RACHEL

[@TheFernandocarsa]

I literally love you so much! You make me very happy with your videos!

[@Isabellayunuen]

This helped ALLOT actually 🤔😂 everyone around me is always talking about credits and I don't everrrr understand! But Rachel I love you!!! Thank you!!!! 💛💛💛🤓💛

[@kaylasoto540]

Thx Rachel for the lessons I'm loving this series I'm learning a lot from this

[@Maria-ge2cb]

I learned a lot, thanks!!!! I always thought stuff like this was complicated (which it is) but, you made it sound so simple! I hope it is as easy as it sounds...

[@shansaleigh]

THIS WAS SO HELPFUL NOW I KNOW WHAT IT MEANS WHEN MY CREDIT SCORE IS LOW...like it is now...