The ABSOLUTE BEST Beginner Credit Cards (2022)

[@matthewroth1]

Got my first credit card at 18, a few years later I bought my first car. Having established credit going into your 20s is so, so, so important. School needs to have more banking and insurance advice.

[@michaelparamo3634]

Schools just don’t teach this for some stupid reason. I didn’t get my first credit card until I was 21 because I didn’t want to “borrow money”. When it came to buying my first car I couldn’t get approved.

[@Spideythoughts]

How where you able to get a credit card what company did you use?

[@toryjaeger8557]

@@michaelparamo3634 schools don't teach us this because they're ran by the government and the government is ran by corporations that profit off of us being poor.

[@johnsamsjr8670]

Why would school teach this That would mean we would have more millionaire's And they don't want that

[@C3NTesports]

No no no please consider the idea that you do NOT need credit of any kind. It is completely possible. Please please please look into Dave Ramsey's Financial peace University!!

[@gillianm8666]

Would you ever consider doing a video credit cards when it comes to airlines and which ones are worth it and what not?

[@pinkishdelight93]

Thank you. Very informative. Wished school teaches u this before getting into university. If only I knew this 10+ years ago. It seems discover fits my financial needs. Wish me luck.

[@kidnpigtogether]

The only thing educational systems do is teach you how to prostitute your life away to a job(corporation).

[@heehuugaming788]

I paused the video at 22 seconds and just absorbed the words he just said. It felt very good to start learning again after such a long time of being such an ignorant person...

[@Chill-Vibes]

Who's here 18 yrs old and tryna find out the best card to get cause you just got a bunch of mail about signing up for credit cards for the first time

[@xunol7472]

wow didnt know if you spent more than 30% of your credit limit your credit score could actually go down thanks for the information.

[@maxmonahan5934]

Good video Humphrey, just liked! :) Definitely got some solid info here, thanks so much for the content. Keep up the great work, and I look forward to future content!

[@humphrey]

Great to hear :) glad that you got some info out of it

[@maxmonahan5934]

@@humphrey Of course! Keep it up.

[@michaelwright9710]

This is THE video for ALL first time users frfr

[@jackiejimenez8537]

What credit card should I get? It would be my first .

[@sam9242]

I won't touch Wells Fargo, but the Propel card does a lot better than the Cash Wise in most common spending catagories. And, no fee.

[@jacobmendoza1466]

I've been working on my credit and this video really helped me on alot of questions I had. I wonder which would you prefer if you had to choose one?

[@marielamarin1243]

The reputation tour box in the back mad me trust you

[@yessicagonzalez2341]

I have a question is the cash back like on the Wells Fargo credit card yours to keep. Like the $150 for the first 3 months. Thank you. Great explanation of video.

[@Chadley.Johnson]

Great video!! Thank you for all the info!🤘🏻🙌

[@dylanfreeborn914]

To get the apple credit card you have to already have to have a credit score of 600

[@goadzilla1]

Very helpful

[@humphrey]

Glad to hear that

[@yaniidiazz]

did a very great job at explaining, thank you !

[@3000NaniNicole]

Biig question…. Do i pay for my credit or like put money in my money?? That’s where im confused. I hav a debit account so isk what’s what

[@Carlos-nz3vi]

Dropped a like. Prob the best intro I’ve seen

[@seandunne8231]

Does a credit card make a significant impact on your credit score if you're already paying high student loan payments consistently anyways?

[@humphrey]

It should still help you get those # of payments up.

[@humphrey]

More payments = better record = better credit score over time

[@anthonywhite9828]

I fixed my bad credit report with the help of a credit repair specialist at Credit Patch-Up LLC called Michael Gibbs [[e-mail]] who I was referred to by my colleague, they helped me improve my bad credit, erased all the negative items affecting my score negatively and pay off collections. I now score an excellent 790+ across all 3 major bureaus. Feel free to reach out to him for help at [[e-mail]] for excellent credit score.

[@wendym465]

I am looking at a credit card and it mentions a Balance Transfer Fee. Can you explain what that is?

[@Tj16322]

Do an advanced credit card video for those of us with credit

[@chasehartmann5074]

I fixed my bad credit report with the help of a credit repair specialist at Credit Patch-Up LLC called Michael Gibbs [[e-mail]] who I was referred to by my colleague, they helped me improve my bad credit, erased all the negative items affecting my score negatively and pay off collections. I now score an excellent 790+ across all 3 major bureaus. Feel free to reach out to him for help at [[e-mail]] for excellent credit score.

[@jessepleytez7899]

I’m thinking of applying for the Wells Fargo and the discover secured card. Should I only get 1 if I get approved for both? Also, I’m a student so is there a benefit for getting the student chrome or the student cash back rather than the secured credit card??

[@nicoleeid4905]

Student cards are easier to get approved for, only apply to one at a time. Being pre-approved doesn't mean your approved. If you're curious the major differences between the cards just do some comparisons on what they offer

[@Phantomryuuu]

Honestly I’d avoid welsfargo! Discover it student card or secured card is good!

[@vfletes1]

Question...if i make a purchase on the 5th by when should i pay the balance...a week after or at the my due date of avery month... Trying to avoid the interest obviously...thank you

[@nicoleeid4905]

As long as you pay before the due date you're fine.

[@JuanMedina-ce1mf]

For Apple Card. It’s hard Lmaoo. My bro got accepted with no credit and I have a fair credit cause I just started and I still can’t get it

[@Martin-qy7jw]

I JUS SEEN U ON TIK TOK IM TRYNA LEARN ✅

[@blue2565]

I got approved for quicksilver one for 2000 but didn’t get approved for the Apple :( I’ll wait a few months before I apply again

[@jakeloberg6588]

I’m looking at buying my first car soon and I’m already pre approved for my loan, but I don’t have a credit score yet. Would you recommend paying my payment with one of these cards?

[@humphrey]

Yes, if possible, it will help build credit for a payment you're already going to be making.

[@kevina3246]

Capital One have a great cards too!!

[@josealcala8156]

Probably one of the best for beginners!

[@JoseRamirez-sz6bo]

I have no credit, applied for discover and Apple Card but I’ve gotten denied so I’m having a rough time trying to find a good beginner card

[@Skipboso4]

Thank you for creating this video!!!!

[@Turksz]

This dude just taught something that would take a highschool teacher days, in just 15 minutes and had all the information ever needed. Great vid man!

[@humphrey]

Glad I could help!

[@harjeetsingh6853]

High school is a bunch of wasted time, they gotta have more financial stuff... Thank You 🙏

[@humphrey]

yes! you're welcome

[@daftnord4957]

exactly, my personal finance teacher in high school only told everyone that credit cards are the devil and to NEVER get one... other adults also told me not to get credit card

[@LiLsIcKViDeOs]

Nobody stops you from learning this stuff in highschool on your own. Quite frankly the people that are into this will get into this whenever is right for them. Others would just ignore it like any other subject in school.

[@Eric-jo9oj]

Harjeet , you have Freedom to learn the knowledge. School is just a small step in Life. Most important is to Free your mind and learn . Narrow thinking will stunt your growth.

[@kris6682]

Learning this stuff in my 30’s and feeling stupid along with disappointed in the generation before me. I couldn’t agree with you more.

[@556mystery]

WOW!! This came at the PERFECT time!! Thank you Humphrey!!

[@humphrey]

You’re welcome!

[@anthonywhite9828]

I fixed my bad credit report with the help of a credit repair specialist at Credit Patch-Up LLC called Michael Gibbs [[e-mail]] who I was referred to by my colleague, they helped me improve my bad credit, erased all the negative items affecting my score negatively and pay off collections. I now score an excellent 790+ across all 3 major bureaus. Feel free to reach out to him for help at [[e-mail]] for excellent credit score.

[@RobbieCorbett]

Brilliant stuff Humphrey, remember me when you're at 1 million subscribers!

[@humphrey]

Remind me you wrote this if I hit a million and I’ll do something special for ya

[@RobbieCorbett]

@@humphrey I'll hold you to that!

[@benny-n-the-jets7052]

I went: 1. Discover secure 2. Capital one Platinum 3. Apple card 4. American express blue cash Only one I kind of regret is the “capital one platinum” but looking to upgrade to another capital one that actually gives rewards. Favorite one has to be “amex”.

[@rodgerdodger2459]

Maybe a higher Amex, gold?

[@smear6uard]

Is Apple Card worth it because it doesn’t have sign up bonus

[@KevinYang]

Awesome list! I'd also add that the $0 Annual fee Chase cards are amazing as well, especially the Flex with the 5x on rotating categories and the 3x on dining/drugstore. Also starts the Chase trifecta (CSP/CSR?) for the future to make those points even more valuable!

[@humphrey]

Great points on all.

[@zinknot]

I don't trust Chase. It's a criminal organization that rips people off.

[@sirrogeriii9628]

Very well put together videos. Liked and subbed. I love how organized you are and how detailed the description is! Super helpful man thanks a bunch

[@humphrey]

Thanks for the sub! Appreciate it Seth!

[@MitchyBeee]

Thank you so much for this omg I was getting scared that all the cards were gonna need 500$ to secure it and that’s all the money I have saved rn and it was discouraging me but this made me feel sm better

[@christianbailinson712]

I’m 20 and struggling big time, getting a new Car/Truck. Not enough credit. But this is helpful. Really wish they would have taught some of these kind of Life Skills in school

[@GabeItchess]

Apple Card ain’t even accept me so ima stick to what i got 500 limit is cool ima get to my goal trust 😂 God bless me

[@Datkayluhh]

Thank you for the recommendation of what credit cards to use I just turned 18 and was trying to figure out which credit card is the best to start off with and this video really helped!!

[@craigbrandon3587]

Hello there

[@daejharivera8845]

Do you recommend having a higher credit line like 500$ rather than the 200$ minimum to build More credit ? Also , do you recommend opening multiple credit lines as a first time credit builder (credit union?)

[@nicoleeid4905]

Do not open multiple credit cards as a first time credit builder. Only open one, the more you open at once, the more desperate you look to credit cards and on your report. This makes you a riskier person to give credit to and you'll be less likely to get accepted. Of course your credit line should be based on yourself and your self control, but generally the higher your credit line the better. This is because one of the important metrics used to build your credit score is "credit utilization" which is basically, what percentage of your credit line are you using each month? So $100 on a $200 credit limit is 500%, $100 on a $500 credit limit is 20%, a big difference!

[@daejharivera8845]

@@nicoleeid4905 thank you!! I just got Approved for the discover it and put the 200$ minimum. Do You recommend only using around 15-19$ a month being that is the 9% credit utilization?

[@4daculture263]

@@daejharivera8845 if your doing “secured” credit cards you can open as many as you can afford cause at the end of the day your using your own money as credit to start off with. Eventually when you start being approved by regular unsecured cards that’s when you take your time, I’d say maybe 2-3 new cards every 3 months. Credit karma shows you your chances for approval for credit cards also which is a good tool. Credit unions are good to start with cause they tend to be more generous in the long run and just keep any credit card under 30% utilization unless it’s an emergency.

[@leemcmullan]

yes i did my discover it card with 1500 as a deposit and got it all back :)

[@jazzysmith1856]

I got a Discover IT card 3 months ago and put down a $400 deposit. In hindsight i wish i put down more money so i didnt have to pay off my balance as much. I never carry a balance on my card and always pay it off before the billing cycle is complete so that little to no money is actually owed the next month (if that makes sense, idk its kinda hard to explain). I love the discover card and my credit score is already in the Good range even tho this is my first and only credit card

[@jerryraul5298]

Y’all just know that for the Apple Card you need previous credit history otherwise you won’t qualify

[@Tylxh]

I just got the capital one platinum secured card as my first credit, kinda sad it wasn’t on this list, should I get one of these if I just got approved for my capital one platinum secured yesterday? Or should I wait a while?

[@HoLotOfLove]

Just subscribed! Very informative and easy to follow. Thank you for the card recommendations. Going to binge watch all your videos and soak in all the knowledge I wish they taught us in high school! lol

[@epicbomb2]

Couldn't you sign up for the apple card then use the apple card to buy an iphone? Like when you go to a store like best buy and apply for their card

[@AnthonyFloresRULEZ]

Depends on how much credit you get i had 0 credit they declined me then said they will give me $250 credit line Then went up in 6 months to $500 After a year $1750

[@AnthonyFloresRULEZ]

With $250 you cant do nothing to begin with uk

[@cynthiajones3963]

Is it good to apply for multiple credit cards when you’re just beginning or should I wait in between?

[@kenzeyl9510]

Multiple

[@nicoleeid4905]

@@kenzeyl9510 No, terrible advice

[@nicoleeid4905]

Wait in between. The more you apply to at once will make you look riskier because you look like you're desperate for credit to be able to spend money you don't have. Get one, be reliable with everything and paying it off, and ask two times a year for credit limit increases or once a year for a big increase. Once you've developed a strong credit score, then you can start applying for another one

[@AudreysKitchen]

Don't acquire cards too quickly, but it's okay to have multiple. If you want to have several cards then you should check out Chase, they have some of the most generous rewards.

[@ani5299]

Question…. When applying for a credit card they tend to ask you for your annual income, but what happens when you an 18 year old college student and have no more than 2 months of working an actual job? What annual income to you put in those case? Your own or your parents? Or do you just give an estimate of what you might earn that year yourself in your job?

[@MysterioTGN]

I put the annual income of my job + any money I would regularly receive from my parents in a year. So, for example if my income is $12000/year, but I get $4000/year from my parents for rent/utilities/tuition whatever, I would state my income at $16000.

[@goofyah4955]

I tired the apple credit card and my application got denied

[@StepMobile]

Psst! We have no monthly, overdraft, minimum, or service fees and we were made for the next generation. 👀

[@diegopadilla-garcia4169]

So if we shouldn’t go 30 percent above our limit but we want to buy a new phone that cost 800$ and our limit is 1000$ we are better off paying cash or what do you recommend?

[@awesome4781]

Can I get a credit card with no income?

[@realtormama]

Thanks for All this SUPER valuable information! Subbed and liked!

[@miguelnava7389]

Great vid Humphrey! I was looking into the Discover cards and noticed there is also a Student Cash Back Credit card. I’m in college, would this be a better option than the Secured credit card you mentioned in the vid?

[@kenzeyl9510]

Yes

[@jadooe5519]

Thank youuu I’m 18 and going into sophomore year of college and really wanted to start building my credit with a credit card

[@Coffee23.]

Same but im 19

[@kageyamasmiling]

same but im 20

[@isabellavazquez-muniz9250]

@@kageyamasmiling same but im 21

[@returnz897]

@@isabellavazquez-muniz9250 same but I’m 75

[@Spideythoughts]

What company are u using

[@brucekai7462]

New subscriber! Love the content dude. Do you have a video breaking down all of the accounts/banks you use and what you use those particular accounts for etc?? Would love to see how you split your funds and with what types of accounts etc. keep the 🔥🔥 vids coming. Been a great help!!!

[@humphrey]

I dont but thats a great idea, its not sexy by any means, just standard but could be good content haha

[@taniapuchapup3952]

the visa petal sounds like fucking ASSS. why they wanna know my location!?!?!? they're already gonna know where i'm spending my money based on where i use my credit card.... nahhhh i'm good. i'm GOOD.

[@kneelo3893]

No card is the best card

[@yasamangaler1107]

If I have a job and I need to deposit money, I would need a debit card correct? Also can you talk about other money platforms like PayPal and Venmo and their uses?

[@humphrey]

correct, a debit card to deposit, then a credit card to spend and then pay it off from your bank

[@mylesmccartin878]

I’m 21 have had a job since I was 16. i bank with chase and got denied today for a credit card what do I do? How can I build my credit if I can’t get one??

[@simonenorman8331]

I don't know why you all creat ppl and then send them undercover to communities they wouldn't normally live in---but my kind---I learned my lesson. we don't talk to you guys...forever ...I will forever keep that promise to myself...didn't even know my own "personal' life...us rare ones---we are that way for a reason......find us where? create an operation to find us for the fu*k what? for "culture"...wut is that anyway....taking underground and bringing it to the front for mass consumption---a private, "personal" culture...to share with ppl who don't respect ppl who get violated for being themselves? he right, the females are right---keep doing things and calling the police---I always end up being right...we have our own community..better yet, we are always alone....imagine that..

[@jacksonbilly9979]

I been looking into my very 1st credit card and I see discovered it secured come up in a bunch of videos from you and grahams and I think that’ll be a good one for me for gas only. My only question is and I know this video is old also I doubt I’ll get a reply, if I use 30%. Of my card every 2 weeks and pay it off as soon as I use it, do that 2 times a month, is it still show that I used only 30% or would it go up to 60% for that month?

[@Lzrtetech]

First time looking at your videos awesome job already subscribed and looking forward to learn more thanks a lot

[@humphrey]

Thank you Alberto!

[@Satrim373]

I couldn’t get the Apple Card 😭. It’s cuz I have no credit history :/

[@joesanders3563]

Wells fargo= bad news. This company does not know how to take care of their money.

[@SturjaUSMC]

What if the benefits you can utilize throughout the year make up more than the annual fee cost? For example WiFi credits on flights, food discounts, and waived fees you would normally have to pay.

[@humphrey]

Well all these don’t have annual fees. But on the cards with annual fees the points that you get for spending money should make up for your annual fee. And waived fees on different things like travel etc

[@anthonywhite9828]

I fixed my bad credit report with the help of a credit repair specialist at Credit Patch-Up LLC called Michael Gibbs [[e-mail]] who I was referred to by my colleague, they helped me improve my bad credit, erased all the negative items affecting my score negatively and pay off collections. I now score an excellent 790+ across all 3 major bureaus. Feel free to reach out to him for help at [[e-mail]] for excellent credit score.

[@tapoutnick5985]

You need Credit history to have a Apple Card now, not really a beginner card anymore might have to update the list !!

[@uvb369]

Apple did not approve my credit card application. I have 750 credit scores wth😂

[@DanielaRojano]

*I’m 20 & want a car, hope I’m not late*

[@ae3446]

Ily bro lmaooo I just got my first credit card and I don’t know where to begin, I read all the paper documents that I got from the credit company and got some of an idea of what to do, but I needed more! I know your from tiktok and this video explained very well on what the credit utilization is and now have a better understanding. Thank you 💪🏽😎

[@willnguyen3149]

I got denied for apple card like thousand times lmao

[@irvingdelaluz]

Lies, I subscribed and was immediately hit with a $50 annual fee :(

[@Luvgymrats]

Im stuck between the discover card or Apple Card I don’t have any credit what do ever

[@AmazonPrimeOfficial]

I wanted to get chase freedom card for my second credit card but I was declined 5 months ago. Apparently it was because my chase balance on my savings/checking was low and my credit score wasn’t ideal. How much do you think I should have in my chase bank account before applying again? When should I apply again?

[@humphrey]

Wow that’s interesting they said they looked at your bank balances.

[@humphrey]

I hadn’t heard of that before. But if you keep building your credit with your card you should reapply a year after you got declined the first time

[@anthonywhite9828]

I fixed my bad credit report with the help of a credit repair specialist at Credit Patch-Up LLC called Michael Gibbs [[e-mail]] who I was referred to by my colleague, they helped me improve my bad credit, erased all the negative items affecting my score negatively and pay off collections. I now score an excellent 790+ across all 3 major bureaus. Feel free to reach out to him for help at [[e-mail]] for excellent credit score.

[@kamilsultan1637]

How long have you had your first card for? They like to see at least one year of credit history on your oldest primary account if you don't have sufficient deposits with them.

[@yercabbages]

They look at your savings and checking?! Tf

[@SaiPrima]

My concern is can you use security deposit of secured discover card i recently applied still not clear if I can use security deposit or do I have keep balance above security deposit and spend it ?

[@base_tundra3551]

ive literally applied to all of these and ive gotten denied to all of them. i have literally zero credit history. so i guess im ultra stuck

[@garjay-le6hq]

Hey Humphrey, I currently have a 704 credit score and I have 4 credit cards right now. I want to get the chase sapphire preferred next, but my credit age is 6 months. Should I wait for my credit age to at least get to a year, or should I try to apply for it?

[@krystalchase237]

I turn 18 in less than two weeks and I want to build my credit while in college. I won’t have a job but I am receiving a stipend. Can I still apply for a credit card?

[@jorgebaluja3374]

Yes

[@rodgerdodger2459]

As long as it’s provable income. I get housing allowance and stipends and count it as income too.

[@abigailgamboa2843]

would you suggest applying for multiple cards as a beginner?

[@CapitanFALCON809]

Can i get the apple card without SSN. Im not from the us

[@lizzy2263]

A super good tip for getting a good credit score is being put down as an authorized user. I got married when I turned 18 and I didn’t even have a credit score. My husband added me as an authorized user and I immediately got a credit score of 720. I have never used the card, have never put a dime on it, and I don’t have a card under my own name. I’m 19 now with a fico score of 750. Also my husband’s credit score was not negatively effected by adding me as an authorized user! His score is 752 now. Also pay close attention to your statement or closing date and leave about 1-3% utilization a few days prior. You want credit bureaus to see you actually using your card. If you want to avoid paying interest pay your credit card in full by your due date and then make a purchase before your closing date to have some utilization left on the card!

[@thedanieldrew6695]

Elaborate that last part more please

[@mairinmazzieshearysmith6642]

Doesn’t really seem smart but ok

[@lizzy2263]

@@mairinmazzieshearysmith6642 that’s fine if you don’t think so but it worked for us :)

[@bluedogviking]

Great video just subscribed. Honestly I only use my credit card aslong as I have the same amount in my bank account, not sure why so many people don't pay it off on time.

[@lucasglenn3079]

I’ve been applying to so many credit cards and they keep getting denied, hopefully the discover card you talked about will let me lol.

[@ilovemoney5398]

Applying for to many cards is never a good idea to banks it makes you look credit needy so avoid more then 6 inquires To many hard inquiries can stop you from getting credit cards no matter how great your credit score is

[@mayurtuteja5406]

So u uploaded video in 2021 and renamed it 2022 later? FU

[@There_is_No_Spoon_]

Deuteronomy 23 :19-20. Lord God

[@Hxkiii]

I’m about to go apply for my Apple Card

[@tru1655]

What about the other side of it? What's the purpose of a secured credit agency reporting negatively on you for 7 years if you don't pay the balance without formally closing the account? I mean, its not their money. It's your own money. How can they report that and why if its your own $ in the first place.

[@oat-ik5ih]

💀

[@gavinfikes5611]

Can we get an update on this list. Some of these card’s aren’t offered anymore

[@CALgal387]

Great video for beginners! Definitely made me more confident to start my credit! 😁

[@C3NTesports]

No no no please consider the idea that you do NOT need credit of any kind. It is completely possible. Please please please look into Dave Ramsey's Financial peace University!!

[@DerkuiDerkui]

Get to the point! Spent over minute blabbering.

[@tevin_omg]

So if I’m approved for this credit card and pay down an initial $200 or $300 deposit what will my credit limit be?

[@curiouzenergy2141]

I believe your amount of deposit is your limit, so 200$ or 300$.

[@nightlane131]

I wonder how many people left after he said no annual fee

[@mannyroldan4177]

Fr i just graduated and i want to build my credit

[@avibenmayor7100]

Hi Humphrey, lets say my credit limit is $1000 and I use $800 but I pay it off before the closing date. Is my credit utilization rate 80% or 0%? Do you recommend I only use select purchases on my credit car and keep everything else on my debit card?

[@liziatran2604]

If you pay it off before the closing date, it would mean that your utilization rate is 0%. They count your utilization toward how much you owe ONCE your statement is out. So on your statement, it will show as 0% because u pay it off early. I always use over 30% utilization rate but I pay most it off usually. I usually keep a little bit of money for my statement to show that I have low utilization. And I finish paying it off once the statement is release.

[@cityscapesoundss]

I watched so many videos trying to see what’s best for a beginner and none of them were as straight forward and easy than yours, thank you sm

[@yahavraz3]

Can you make a video about best best bank accounts for beginners or young people

[@humphrey]

Will consider!! Ty ty

[@yahavraz3]

@@humphrey thank you so much for replying hope to see it

[@marlanararei]

Honestly wish I knew of this now with no cards currently. I don’t have any of these cards and one of them does have a annual fee. Ugh but now I know so thanks!

[@humphrey]

You’re welcome

[@anthonywhite9828]

I fixed my bad credit report with the help of a credit repair specialist at Credit Patch-Up LLC called Michael Gibbs [[e-mail]] who I was referred to by my colleague, they helped me improve my bad credit, erased all the negative items affecting my score negatively and pay off collections. I now score an excellent 790+ across all 3 major bureaus. Feel free to reach out to him for help at [[e-mail]] for excellent credit score.

[@mohammedl9453]

Can you make a video about the “Step Card”?

[@humphrey]

I can research it for sure.

[@mohammedl9453]

@@humphrey Cool, thank you! 👍

[@HammerFitness1]

Are any of these cards acceptable for someone post-bankruptcy, rebuilding their credit?