What Credit Cards I Own

What Credit Cards I Own

[@lilmoney7825]

My problem is I forget to use the rewards I have. I need a chart to know what to buy with want card. 😂

[@Ckawauchi35]

I claim the cash-back rewards once they get to $50 or $100. Get a CC that doesn't charge annual fees. Pay for your CC bills every month to avoid interest charges and reap free money.

[@alexiskashner8113]

i keep a spreadsheet with what cards have what rewards lmao. it’s gotten so much easier now that all the cards i use have apps!

[@ki_mkt]

something I do with my rewards is, when I redeem them towards the statement balance, I put that much from my account into savings or investing

[@JJK-he1xn]

I just gift them to family or friends that are traveling. The spreadsheet for the rewards is a good idea you could also use reminders on your phone that are scheduled to when the rewards are active.

[@janetf.8459]

I put a small self stick labeled with the % and categories on the card like a cheat sheet.

[@Xtina2525]

I have two Capital One cards for the cash back. No annual fees. I love them! I build up the cash back throughout the year and then invest it in December. 😊

[@commanderwaddles3483]

How do you calculate wether the benefits if cards with annual fees are worth it for your particular budget/salary/lifestyle?

[@TamagoHead]

I have 10+ cards. No annual fee. I only carry 6 due to the different points & my wallet size. My Costco & Amazon require membership, so I guess that’s a fee (well worth though). I zero the balances to avoid interest. & don’t carry a debit card. Frank Abignail (of catch me if you can movie game) did a TED talk similar to Vivian’s piggybacking your kids on your credit, & he advises against debit cards. In the event of fraud, YOUR debit card assets may be lost forever or tied up. With credit cards, it’s THEIR money & they have dedicated fraud departments.

[@xxkarlosxxxxxx7233]

@@TamagoHeadbut people open savings and checking accounts that they deposit their bi weekly checks into... Wym debit cards aren't gud, its ur money that needs to be spend and most do it on debit because u don't have to worry about paying one bill w a credit and then paying the credit bill w ur debit ... Credits cards should be used only every so often

[@KnickKnackPatty]

Cost benefit analysis! I look at how much I spend a year and what that would translate into point, if I would spend those kinds of points (so usually for brands I actually regularly use even without the points), and if that value is more than the annual fee

[@crazy4beatles]

@@scottb_02so you pay $395 to get $300 worth of travel. I get there’s other benefits but if you didn’t have that annual fee, you’d have $395 in your pocket and could use $300 of that to use for travel. I don’t see travel credits as “paying” for the annual fee, because at the end of the day it’s money out of your pocket. Now if all totaled you would have say spend $900, $300 in travel, $300 in Uber rides, $300 in airport meals/lounge access, then sure. You’re getting $505 worth of rewards for free. But ONLY if you would have otherwise spent money on that 😅

[@AnnaBrown99]

The easiest way is just try using the card for a year.

[@kebinbiko3853]

The Amex Platinum now has a $695.00 annual fee. Yikes‼️

[@rainbowsunshinekitty3953]

😮

[@b.williams7818]

My credit was messed up before I was 18 because my social security number was used to open many cards and more as a child, with that I am extra protective of my kids, I am so writing these tips down for my children, thank you

[@ki_mkt]

easy way to work into it is get a secured card, raise the limit, use it properly, and wait. wait some years for all those old accounts to fade away. They'll made the secured card into a credit card in 6-8 months and just hold it for the longevity more than the perks. Took me several years to get rid of some account that said I owed them but they couldn't prove it, and they somehow reinstated the collections. Finally got rid of it showing the original supposed charge was 9-10 yrs old. Most States have a 6yr statute now.

[@sarahsstyle2038]

Did you try to do a fraud claim

[@b.williams7818]

@@sarahsstyle2038 yes but not all were cleared

[@e.a.b.k7048]

Getting access to the lounges is a game changer for layovers or if you like to show up super early to the airport

[@Dr.JSneurosurg]

The platinum is really only useful if you travel a ton otherwise the gold card is much better.

[@artzyyma]

Same, chase freedom was my first card, and still one of my favorites for basic points back.

[@Savvynomad225]

I avoid the high fee cards because I don’t travel and eat out to make a living. I use cash back cards because they give me a break with all this inflation

[@ethelburnett1184]

Totally Agree on the Chase Sapphire and Amex. Thanks

[@leilahannon6667]

I have the chase freedom unlimited too and I love it! I used to have similar ones to the amex and sapphire when I was younger but just don't travel or dine out as much now as a solo parent so doesn't make sense. My 2nd card is the Amazon cc bc thats the primary way I shop for everything (clothes, food, toys, etc) and the rewards have been great!

[@smartmarketing173]

Same, it must be a single parent thing😄

[@StarlahMutiny]

i loveee my chase unlimited card!

[@user-qx2ml4qy6y]

Bilt, Platinum, venture x, and Savorone (free). Prefect coverage for almost all the major airlines. Bilt for dining, traveling, and utilities, Plat for flights, savor for groceries and venture for everything else.

[@dougduker2681]

I do two cards. An Airline points card (currently the AA Barclays card) and a hotel points card (Amex Bonvoy). I'd switch to the AA card w/ Adminrals club if/when I start traveling more often...but for now, I've been buying the Quantas club card for $250 which gets me into the Admirals club as well.

[@musicloverchicago437]

I have an airline-branded card and I earn so many miles using it plus the airline's shopping portal. It's nice to use the miles for business class seats to/from Europe.

[@reinacramer8655]

Reserve gives primary insurance when renting a car. Eliminates the extra insurance protection costs

[@Ponyopup]

Your hair looks so pretty with the loose-ish braids

[@zo62]

I use the chase unlimited and cut preferred years ago as I didn’t see the need to pay the fee

[@anjoliaisenbrey6456]

I have both Chase Sapphire and Amex Platinum and love them both! Great travel perks and we have stayed at some great fine hotels through the Amex offerings. Def recommend for military as they waive the annual fees for active duty!

[@latinmagico1]

❤ love your content. Always very informative. love you!!!

[@melanieoliver8381]

Love the Amex platinum! Besides travel, the additional warranty on purchases is amazing! We’ve had to use that before!

[@Labrli]

These three are the primary ones we use as well! A lot of rewards and perks.

[@funnyvidstoday101]

she right, points and rewards are the best plus it's on borrowed money and write off the interest if it a business expense

[@bobbiefrank5043]

I had the Chase freedom I absolutely loved it. Got behind on my bills and it went into collections wish I could get it back

[@MrDavs1985]

This is solid advice

[@austink641]

I use a fidelity card so the 2% back goes into my IRA and a 529 plan. So the 2% turns into much more over time.

[@kategranville2745]

I also feel like I remember AmEx had product protection and rental car insurance

[@xiasucks]

Great cards, have you considered getting the Chase Freedom Flex to finish up the Chase trifecta? It has no annual fee and boosts points earning potential.

[@aufache]

I think you can only choose one on each tier such as 1 from the freedom. 1 from the sapohire

[@xiasucks]

@@aufache You could only have 1 Sapphire, but the amazing thing is you could have a freedom unlimited and a freedom flex! Look up the Chase Trifecta it is great.

[@dr.rockproductions191]

Nice, I have two out of your three examples...Thank you Viv

[@Aura983]

I have one card just for groceries (5% cash back), one for all my other personal and household expenses, and one for business expenses (gas, various fees, etc).

[@youtubelw7092]

Subscribed to both. This podcast is rel 💎 💎 💎

[@random3263827]

Hotel worker here: a job hack I use when deciding rooms for incoming guests is if they have a metal credit card, I quietly move them to a higher floor. I do this because our higher floors are generally quieter and since they have a metal cc, I know they aren't likely to cause issues in the room...but if they do, they can cover it.😅

[@alwayspushforward]

Smh..this is actually sad 😔 and discriminatory. You act like hotel repairs come out of your check

[@alwayspushforward]

This proves your mindset is faaaar off. kzbin.info/www/bejne/d4ncq3eurbaFiaM

[@Legoluke197]

I’ve seen some hotels try and do this to us but we usually request a ground floor room. Kiddo with Autism that needs to get his zoomies out without waking people below us.

[@seadragon1456]

Imagine being treated poorly all because you DONT carry a metal CC. Daaaaaaamn.

[@adaywithaleks6556]

Lol

[@mellow-jello]

I'd keep the no annual fee, and chose only 1 between the sapphire & and the platinum. No use having a duplicate travel CC, since the credit forces you to travel, otherwise taking a hit.

[@maryandersondearing3053]

The Freedom. I don’t carry a balance. I use it to pay for everything from utilities to groceries for that cash back on all of it.

[@clee1173]

I’m exactly the same plus the chase INK for 5x at office supplies store where I get AMZN gift cards for home shopping!

[@thetravelerwonderfulworld9854]

I have the chase freedom unlimited. It's a nice card

[@IMKFIT]

The Amex lounge at airports are relaxing

[@smartmarketing173]

Don’t sleep on the Amazon Visa card if you’re a Prime member/frequent shopper (and who isn’t?!) I literally only use it on Amazon, but then apply the cash back towards future Amazon purchases

[@larryivey8118]

Could add a Freedom Flex to your Chase cards for the 5X on rotating categories to transfer to your Sapphire Reserve

[@jeffreywilliams9220]

Dope stack ❤ let’s get it

[@fishflakes101]

Big fan of the Amex cash preferred. 6% back at grocery stores and 3% back at gas stations. $150 annual fee. Quick way to rack up cash back.

[@livelife1899]

Can you share if you’ll open up more credit cards for your wedding expenses? Would love a wedding series update!! ❤

[@timhandjr]

Amex Platinum and the Citi Costco Card.

[@kimbercay7071]

The point is to get the card that is best for what you use it for. My 2 have no fees, good cash back and veteran perks cause I'm a vet. What's best for you?

[@Jajay717]

What cards are those if you don't mind me asking

[@JohnCorrDude]

You’re missing the freedom flex to complete the trio

[@dr.rockproductions191]

Working on it, thank you...🎉

[@moviegirl1965]

Plus with Amex platinum you don't get charged foreign fees. Not sure about the others.

[@ceejae2349]

Pity the Amex issued in Australia doesn’t have the same perks as the USA one

[@shinyanovikov2502]

I am Canadian. In Canada the Amex Marriott card has the highest return on spend for general purchases, 2.9%. I am a student and I actually have it.

[@myheart3972]

Love your content and your smile!

[@demetrisrobinson4026]

Yes, and yes ‼️

[@Angeline33540]

I want to get rid of some of my credit cards that don't have any benefits for me, but don't want to drop my credit score. What's your take on closing credit card without benefits?

[@DontTakeItPersonall]

I'm an ex-credit card customer service rep, I would suggest paying off the cards you don't want to use, BUT DO NOT close the card. If you have the option to FREEZE/LOCK your card via your account, do so. What will happen is your score will go up because you will have REDUCED your income to debt ratio, because you will be UNDER to 30% usage of your COMBINED credit lines. Don't apply for any cards. However, do OPEN a savings account thru Amex, & deposit a small amount on a biweekly basis. After which, you may be able to be "granted" an opportunity to apply for an Amex card. HTH!

[@Gemini302001]

In my personal experience if you don’t use the card after a certain amount of time the account becomes idle and the companies will close it on their own. Your credit score won’t decline because they are closing the account.

[@cengizdayioglu5756]

Over a $1000 in fees... No thank you.

[@zuhawk15]

It’s for the year and if you travel a lot and dine out a lot these cards have a lot points for hotel and car rental.

[@butterflysmile348]

I have none of those cards. I hate Chase bank. They were overcharging African Americans on their mortgage loans several years ago. I have Capital One and my bank credit card where I earn points and cash back. Thanks for your video, my Rich BFF!!

[@diotitus]

Omg lmao what proof do you have on that?!

[@bronzedrage]

​@@diotitusGoogle.

[@lukedermott1589]

@@diotitus it was in the news. You know, that thing where journalists report to other people what’s going on in the world.

[@diotitus]

@@lukedermott1589 The news isn't always the most reliable source. How about instead of spouting insults like a 4-year-old, you can provide actual evidence on the claim R Jr. has made here?

[@kettanistar]

No Chase for me either because they deducted my car payment out twice and, asked me to provide proof for what they could see in their own system?! Visiting the branch finally got it handle. A week later my car payment was due again. Instead of direct transfer they sent me a check so I checked out of Chase. Now this fact of discrimination I did not know.

[@HighMaintenanceMinimalist]

I just got a Capital One Venture X card and I'm loving it so far. I can't wait to travel with it.

[@RaulGarcia-ki8jr]

I truly didn't know that Thank You so much SO VERY HELPFUL

[@caesarq7513]

Chase freedom and citi double cash. I’m all about the cash back.

[@imastudd]

Vivian, your disposition in this video is so much better. I enjoy your content but your tiktok voice is hard to listen to (as it is with most creators and I understand why it’s done), but if your content was packaged like this more often, 💯

[@lagirl5413]

$1k in annual fees is too expensive for most people. It all really depends on what you need. I hardly travel so these don’t work for me. I use Citicard from Costco. It’s cash back and They pay me to shop there in the end. For foreign travel, I have Capital One basic card. No annual fee and no foreign transaction fees.

[@vannamai4963]

You can use Costco Citicard when traveling overseas too. No foreign charge.

[@katherineordonez2593]

What credit card would you recommend for college students or those getting one for the first time?

[@aufache]

Chase freedom is tier 1 👍. Takes time / years of payment history to get to higher tiers. But freedom will build your credit along the way for $0/year fees. Its great :) just try to make sure you can hit that sign up bonus in 3 months :D

[@TamagoHead]

No annual fee & rewards that fit your purchasing tendencies. It’s a substitute for cash, and a predatory loan if you don’t clear the balances every month.

[@tsaunders4684]

​​@@TamagoHeadKinda right, but all my new Credit cards have 0% Apr for a min of 12 months and sometimes 15-18 months. Worst case scenario you can do a balance transfer for 3% fee and have a whole another year to pay it off if you need that kinda time. I've been using credit cards since 2010 and have never paid any Interest

[@dianeridley9804]

Get an Amex green card and learn how to pay off your charges in full each month. You'll be a credit card deadbeat, but your disciplined spending will pay off handsomely in the long run.

[@omotayosatuyi252]

Ohh same I’m a college Freshman and have been bugging my mom to get me one for the longest time

[@flailsafe5094]

The Amex platinum concierge USED to be good, but like 4-5 years ago became not that great.

[@1c3sly13]

I've been with Chase for years for check & sav but don't have their cc's. I have a Capital One cash back card that I use for everything, but I'm considering getting the Chase now. I've been putting it off because I'm waiting for my car to be built and I don't want to run my credit too many times.

[@galegondrezick]

Is this still your setup for 2023?

[@indianoutlaw5702]

Avoid Debt.

[@TheSam6141]

Thanks for your amazing money advice

[@RoseyRose20]

Do you think getting the Extra Debit Card (debit that builds credit) would be better than, worse than, or the same as getting a credit card.

[@rosaleesantamaria7673]

How does Chase Sapphire get you free Global Entry when that program is run by US Customs and Border Protection and requires in their words 'a rigorous background check'? Also processing times can be quite lengthy. Did you mean to say Chase pays the fees for the Global Entry application?

[@StamperWendy]

Well, you certainly have that figured out. I'd have to write all that down in a notebook.

[@user-xr5qr3rw3x]

They canceled my American express card without any reasons. It is the card from my college.

[@dantetabaku2878]

Hey BFF, i have the amex gold which gives you 4% back on groceries and dining! Since the gold and platinum points go in one place i only use my platinum for travel :) What do you think about this?

[@rxsora25]

How good is the chase freedom unlimited. Currently 25 and wish I was wealthy like you and I know I can do it. I don't care about being rich. I care about not being a slave to my job more as inflation grows.

[@raymi9436]

I also have the chase unlimited card. I will now consider getting the other two Because you have them LOL! I do have the capital one silver Those are the only two I have Thanks for the video.

[@jack17393506]

Don’t do it. Venture X is likely a better value for you. 300 dollar travel credit through portal (they price match) and 10k points annually.

[@listen-learn-speak2465]

Best cards for me American Airlines & Triple A

[@sarah_notheotherone8954]

But how do I reprioritize my credit cards?? I feel like I have too many and they’re not the kind I would like now that I’m older and have my priorities straight. Ideally I’d like to get something with travel perks but feel like I’m buried under store specific cards😩

[@unclebobo9456]

Great. Working to get my credit to that status. Thanks.

[@Chill_Jill]

Which one would I use to reserve my BTS Concert tickets? 💜

[@anglerfsh]

replying bc i want to know too 😭

[@Chill_Jill]

​@@anglerfsh Awwww... 😘💜💜💜

[@gettingthatlove419]

So I’ve always been told you should keep your card usage (and thus, point accumulation) on one card. So if you’re splitting the travel rewards between Amex and Chase isn’t that less advantageous? 50k points on one vs 50k points on another isn’t as useful as 100k all on one right? Or no? I don’t know lol

[@blackeyedsusan727]

The whole point of getting a card is growing your credit, not getting bonus points. With multiple cards, you grow your available credit as long as you use them responsibly. And, as described here, some cards are better than others at different things.

[@gettingthatlove419]

@@blackeyedsusan727 wait what? The whole point of credit cards is not to grow your credit. I have excellent credit I don’t need to grow it anymore. Now I just want to strategize to get the most back from these credit card companies. Ergo my question.

[@DontTakeItPersonall]

I downgraded to Amex gold from platinum since I retired. I do have the chase freedom & a cap one union card, since I was in a union before I retired.

[@andreabuchanan1443]

I appreciate you

[@rosapatino7825]

We have the chase sapphire now. Annual fee is only $95 dollars and o feel that if you are smart about how you use this t you can we that and more back in rewards.

[@wanderingfattie]

Platinum is now $695 + another $150 if you have another user …. Since their Marriott status was degraded a few years ago and I get most of the same perks from CSR, I finally downgraded the platinum to the green card this year. The metal heft of the card is the only thing I miss. 😂

[@xOmniCloudx]

Shocked you didn't mention the card synergy systems, namely the popular Chase and AmEx trifectas and quadfectas.

[@carinrichardson]

What is that?

[@cthurston6589]

Thanks you gorgeous bff you! 💜💜💜You are so helpful and I appreciate you 🤗🌺🌸🌼💐

[@thomasmoore9421]

I have an Amex cash magnet credit card & an airline cc. I can't justify an amex charge card. If I could I'd stick with the green or gold 🤷‍♂️

[@TimpossibleOne]

Apple card has zero fees and daily cash back 1-3%

[@murphyleigh6319]

I have three different Mastercards because my favorite airline switched to Mastercard right before I got their branded credit card, and I applied for a third card on a whim, assuming I'd be rejected, but I was accepted, so, like...at least my credit utilization rate will improve, since I have 33% more credit than I did two weeks ago...

[@danielrom1216]

Just get an Amex Platinum / Gold and have $10,000+ in an AMEX HYSA to cover any monthly statements. Nothing easier than that.

[@terrancejackson5167]

I love that setup

[@longtimelo]

Cap One - I get 2% cash back which is huge.

[@kevincai5491]

How about the sapphire preferred instead of the reserve and Amex green ?

[@bb55555555]

I respectfully disagree on the chase sapphire and the amex. you have to book travel through their network. that way you don't know exactly how much you are really paying for that flight. I stick with airline or hotel branded cards.

[@tonyawood2911]

I only have 1 credit card and it’s balance is 0. I use it when I need to for free flights. I don’t want more any more credit cards and I barely use the one I have.

[@ThinkB4UAct]

My problem is I have bad credit since the late 90s, how should I go about establishing my credit again, I've already order your book just waiting for it to receive it

[@sharonhoang]

American express is my go to card.

[@youtubekeepscensoringme3357]

Screw credit cards, Cash is King!!!

[@Islandgirl06]

Tell me about it. I got out of credit debt changed my habits and I default to always using my own money. I use my cards seldomly, only enough to keep open but always pay off before interest can accrue. I say, if I can’t pay it off by two paychecks I have no business buying. Then, one of my longest credit cards reduced my limit by $5000. At first I freaked out because we were conditioned to care about credit and I totally disregarded the fact that I am more responsible and better prepared. Now I’m reconditioned to be like, so what they dropped my available credit…it’s nicer having a zero balance and not needing them. It’s such a mind trip. When you’re financially dependent they keep you trapped. Cash is king!

[@jabberwockytdi8901]

Good luck trying to pay with AMEX around the world their fees are so high that most companies and businesses won't take it.

[@ojn8819cd]

The international transaction fee on Amex is also a killer

[@JohnEdmond-nz2lm]

Smart girl.

[@AD-oy8nm]

Lets go i got those three too!! although i feel like i dont deserve the platinum or the reserve

[@Karpras]

Amex Platinum is $695 per year. Chase Sapphire Reserve is $550 per year… how are they the same fee, when the difference is $145?!

[@shizzlenizzle]

Exactly. Thanks for clarifying.

[@Karpras]

@@shizzlenizzle You’re welcome :)