What Credit Cards You Should Have by AGE [Full Guide]

#creditcard #johnsfinancetips
These are the number and types of credit cards you should have based on your age
Top Credit Card Offer: www.wesavewith.com/blog/cc-yo...
Age Under 18
Age 18 - 21
Discover It Secured Top Credit Card Offer: www.wesavewith.com/blog/cc-yo...
Age 22 - 26
Bilt MasterCard bit.ly/biltjft
Amex Gold Top Credit Card Offer: www.wesavewith.com/blog/cc-yo...
Age 27
Venture XTop Credit Card Offer: www.wesavewith.com/blog/cc-yo...
Amex Platinum Top Credit Card Offer: www.wesavewith.com/blog/cc-yo...
Financial Planning: bit.ly/FacetJFT
Best Bank Bonuses: bit.ly/citijft
Corporate Discount Codes bit.ly/johnsfinancetips
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[@johnsfinancetips]

For more cards check them out here bit.ly/jftcards

[@josephmata7075]

www.youtube.com/@Follow_Link_4_help1

[@UNDERC0NSTRUCTI0N]

People are scared of credit but honestly there is nothing scarey just make sure you are VERY responsible and don’t spend money you don’t have..I’m 22 just got my first Amex with a 700+ credit score and I wasn’t born rich or financially literate but I’m just responsible! Lol

[@johnsfinancetips]

That’s exactly it! No need to be afraid, just gotta learn how to leverage the cards effectively

[@carsonianthegreat4672]

That’s exactly why people are scared of credit.

[@alxisl]

Same! I pay whatever I use on my card every 2 weeks but I treat spending as if it’s money on my bank account, I do give myself some luxuries but I don’t overdo it and I never pay interest!

[@John-ho4jo]

What good does an Amex card do for me?

[@playboigames5361]

@@John-ho4jodepends on ur lifestyle say u eat out a ton it a gold card gives good amount of cash back for restaurants n such

[@rileigh5642]

2:55 card's age restrictions 4:24 18-21 year olds 8:47 22-26 year olds 13:30 27+ 18:49 Goals?

[@joelittle7145]

I'm currently 19 and in college and the age brackets definitely make sense, although i would add one asterisk: depending on the situation it may make sense to have an airline credit card in addition to the student card. For example I fly home 1-2 times a year because I attend out of state and I take 1-2 other trips during breaks, and i make good money as a part time sales rep and am responsible with my money. Since United is my main airline the United Explorer card made a lot of sense for me since they gave me $300 off my first flight booked with the card, plus 30,000 bonus miles, double miles on United purchases, hotel bookings, and restaurants, free checked baggage, priority boarding, United lounge passes, and a voucher for TSA precheck. I've only had the card for 6 months and I've already saved hundreds on airfare and airline fees, plus i was able to use my miles for an insanely good rewards redemption to Tahiti in November that would normally cost $1500 cash. Definitely something to consider if you attend college out of state and are good with your money.

[@thebangkokconnection4080]

Get a korean air credit card issued by US Bank. You can use the miles with Delta and others. And no foreign transaction fees.

[@ayanahampton6421]

My question is how did United even approve you for that card? I got rejected because I don’t earn enough in a year even when working 15h a week

[@joelittle7145]

@ayanahampton6421 I've been earning $800-1000/week with commission working about 28 hours a week and that seemed to be good enough for them to approve me. I also had a fairly decent credit history and credit mix with a couple credit cards and a car lease, all with no late payments, and my length of credit history spanned a year and a half.

[@johnsfinancetips]

I don't disagree! I just caution airline cards for most may be a bit too niche. I totally get your use case and you're definitely an advanced user at just 19. Most in your age group are just getting comfortable with a credit card vs taking advantage of all the various benefits. I have no doubt you'll be travel hacking in international business in no time!!

[@coby7696]

I’m in Sales and just curious what company do you work for?

[@uptildawnltd3253]

I made an absolutely mind bogglingly massive jump from a secured Chime credit builder (which raised my score about 90 points over a little more than a year and a half) to a Capital one Venture One card with a 10K limit. I also used Experians boost feature, which helped out. I have no idea how I got approved for the capital one, but it’s been fantastic, I’m putting large purchases I would normally make with cash on the credit card instead, then I pay it off as soon as it’s on my statement. My mom raised us to not buy things we couldn’t afford, so I still keep that principle. Needless to say, the points are really adding up. It’s nice for my money to be working for me a little bit.

[@ExySmexy]

Capital One likes to accept more risky customers than usually, banking on the fact that theyre more arrogant and more likely to get in debt. No other company does this.

[@TheRealCatof]

@@Matthew34801 prove it

[@tewbears]

On time and in full. Great advice to get this engrained early.

[@sickmotionz5556]

I am currently in college never had a credit score since my parents never gave my authorization, but I was actually pre- approved from chase themselves for the freedom flex or unlimited, I went with flex, and now I have been finding not only your videos helpful, but also everyone else’s in the credit card genre. Thank you for this video and every other videos that helps people like me applying for their first credit card :)

[@Uniacoty]

Do you have a good Debt to Income ratio? Pretty surprising for any credit card to pre approve without any credit history.

[@huyanh995]

@@Uniacoty If you have more than 6 months of baking with Chase, that's good enough.

[@Matthew34801]

@@Uniacoty Jesus loves you so much he died for you and rose again for you so that you could be saved from hell, repent and believe the Gospel

[@Matthew34801]

@@huyanh995 Jesus loves you so much he died for you and rose again for you so that you could be saved from hell, repent and believe the Gospel

[@Nascarnate100]

The Discover Student card did really well for me as my first card. Plenty of cashback, good sign on bonus, no annual fee, and they repeatedly upped my credit limit since I was using it wisely. Plus a little extra credit limit for referring a friend. I loved it. They also have this thing -- that I never utilized unfortunately -- where they will give you $20 a semester for good grades

[@kinleylewis1677]

Really? I have the discover student card and will be a student in the fall!

[@Nascarnate100]

@@kinleylewis1677 Make sure you use it wisely and take full access of the grades benefits

[@malikelshabazz3192]

​@@Nascarnate100Sadly they removed the reward for good grades but the Discover Student credit card is a great card

[@shinmoda]

I believe they will give you a $100 statement credit for referring a friend plus $100 to your friend the first time they use the card, which is pretty awesome, especially for a card with no annual fee.

[@mahdizeerak4256]

I am 18 and in college so I am getting my first card that I can actually use as an adult. This video was super helpful and entertaining. Deserves a Like and Follow. Thank You John.

[@Matthew34801]

Jesus loves you so much he died for you and rose again for you so that you could be saved from hell, repent and believe the Gospel

[@TheRealCatof]

@@Matthew34801 prove it

[@alexanderlin9375]

One of the best decisions I made was getting a higher-end travel rewards card instead of a student card when I started university, the minimum income requirement was 15k CAD, with a $150 annual fee. I paid for pretty much everything on that card. After 2/3 years (and not being able to travel during covid) I had racked up so much points that it paid for almost all the flights I took during my exchange program in my senior year. Got to travel to 5/6 other countries over 6 months and it was pretty much free of cost to me. This would not have been possible if I used a student card.

[@deadloverboy9519]

What card did you use ?

[@fifamobile3799]

What card?

[@yappanesee]

Might be late, but either the NBC World Elite MC or Amex Cobalt

[@micahhord4032]

How did you get approved before you had any credit?

[@goldfish3858]

I appreciate these vids a lot as a 23 year old who was taught not to trust and be concerned about cc’s. My 1st cc was the Student It from Discover as I already had a savings and checking account with them in 2020. Just a month ago, I got the Capital One Venture card because I’m not making that FT money but since I’m graduating in a year, I’m hoping to upgrade to the Venture X

[@kqmhballer]

Appreciate your content, John. Wish I had come across your channel 10yrs ago. By age 21, my (now) wife and I had opened 17 credit cards and racked up $30k in debt. Now, on the cusp of thirty, we’ve paid off all our credit cards and mostly use the Amex Gold and pay in full each month. Spent years paying off our balances and even longer making only the minimum payment. Now, we’re using credit responsibly and educating ourselves on how we’re gonna use our points! We were slaves to the lender, but we learned the hard way that we can take advantage of the game too!

[@kevinlee8202]

Why would you have so many credit cards 💀 did you have no basic financial knowledge or common sense?

[@aymanhaque]

Why 17 credti cards💀💀

[@dawitarefaine6276]

@@kevinlee8202 fr they goofy for that 😂

[@legoatjagoat4691]

U silly 😆

[@andrewab1209]

you didnt need his channel 10 years ago just common sense

[@ghoulboss7848]

recently my finances got way out of control. I overspent, missed a payment, and nearly maxed out 2 cards, now Im doing whatever it takes to bring my score back up, so this is very helpful!

[@Twbrooks509]

Quicksilver and the Chase Freedom were my first two card. 100% agree pay in full all the way! I totally use mine like a debit card. Stick to a tight budget as well. Great advice. Wish I knew more about this in my 20s. I was out there looking at cards like it was AMC and stonks back then but always stuck to the script of only spend what I can pay.

[@jwil4286]

Using a credit card like a debit card is a really good idea. Only spend what you actually have. As was said in the video, you must pay on time and in full (although you can still pay early in full).

[@Gekko978]

i have recently came out of college (UK so age 16-18) having completed a business course which was about 3 hours a week (we do 3 or 4 courses here) and i thought that everything in this video was the basics which i understand after watching and the comments that people dont always know this stuff. i think the exact course that i have done should be taught to everyone at at this age. it would definilty stop so many people stop getting into debt.

[@andrewdiamond2697]

I'm shocked to learn I did it mostly right. Amex Platinum/Barclay's AmericanAirlines/Amex Hilton are my 3 goto cards. Oldest is Discover, which I've had for 37 years - I was one of the original Discover card holders when it was new because I had a Sears card, and Sears Cardholders were given first crack at Discover. Best part is learning about adding my soon 15 year-old daughter to get her on the right track. I hadn't thought about that yet. Good to know.

[@ChiefJuan]

23 and in the military enjoying platinum, sapphire reserve, hilton aspire, and venture X all for zero annual fee 🎉

[@scarling9367]

I wish I had known about this when I was in the service. Had to sleep in the terminal once due to a cancelled flight. It'd been helpful to have a card for those emergencies. Especially a sweet one like the VX or Platinum.

[@ChiefJuan]

@@scarling9367 Yea the military usually books us the worst schedule and layover flights 😔 i had to pay outta pocket to adjust it to a better time

[@miakb123]

Thank you! I don’t have anyone to help me or point me in the right direction so I really appreciate this more than you know

[@CVerse]

If you’re a school employee in the 18-21 age, you should look into opening a SchoolsFirst Federal Credit Union account and apply to their MasterCard School Employee card. This was the best decision my dad helped me with and now I have a healthy history of credit with no debt while getting some other benefits from their bank.

[@bryanrauda7850]

I’m 19 turning 20 in sep. I have a total of 4 credit cards. I have Wells Fargo active cash, freedom unlimited, Citi premier, and chase sapphire preferred. A total of 18,900. I work full time and do school full time so it’s possible just monitor your score. Now I started learning credit cards when I was about 17 and half and got an authorized user card that first is only 500 dollar of limit and as of right now has 2 years of credit age. The four cards I mentioned above are mine not the authorized users. With Wells Fargo being 10 months old. A little tip I’ve found very useful is opening a checking or saving account with the bank you plan on getting your card with and leaving it their for a couple of months helps boost the chances of you getting accepted. For example when I planned on getting my freedom unlimited card I open a checking account with initially 3 thousand and then deposited another 3 thousand after that and left it in the account for about 2 maybe 3 months and then applied. Got a call the same day hey your approved

[@bryanrauda7850]

By the way personally I think sales is the way go in my opinion. For a job if you want some sort of higher income

[@jordangetial5702]

That's good bro keep up the good work, I only got 2, preferred and discover. I will soon move into an amex gold or venture x. I have planned a few trips for the next year, those points will help me.

[@thiagogregory1]

Do you like the combination of ur Chase FU and C SP?

[@johnsfinancetips]

How many of these cards do you have? Any you would add on?

[@johnytran1856]

I never liked having a credit card because of how I was raised low income family and etc so I'm a total beginner credit card starter as I had to buy a car and needed credit score for financing I started at age 28 and now age 30 with 3 credit cards. I only have 1 the Discover secured and my other two others are Capital one quicksilver and Savor One for 3% grocery.

[@russ9324]

I started with a discover it cash. I swear it was a student card but I can’t remember- super helpful for learning how to use categories right and just learning the system.

[@jungkookstoesocks7250]

Im 26 and still dont have a credit card, im watching these videos to try and learn what credit card i should go for first. Idk why but im terrified i might mess it all up. Im also very annoyed that my parents or at school didnt taught me about any of this stuff. Anyways wish me luck on having my first credit card

[@mas0n25]

for the authorized user, you can easily set low spending card limits and it allows your credit to grow

[@jamianponce7974]

Im currently 16 trying to start my journey, I plan to be an entrepreneur, knowing this is a complete game changer, i will be definitely taking advantage of this.

[@SpencerJohnsonOfficial]

Getting added as an authorized user is one of the best things you can do for someone you trust. However, you can still be really successful in the credit card game without it! I feel like that's something that should be harped on more though. It's awesome to be able to hit the ground running in the credit card game when you're 18 if you can.

[@samicheaitani5630]

I agree. I was never an authorized user but I opened a couple of cards after my 18th birthday and now have a 760 at 19. Very doable if you keep utilization low and pay on time.

[@SpencerJohnsonOfficial]

@@samicheaitani5630 That's great!! Keep it up!

[@davisj20824]

Some people don't have the option of becoming an Authorized User. I didn't. I started with a secured credit card and slowly built my credit to a 760 Fico score.

[@jordangetial5702]

I got the preferred at 20 years old. Will soon move into a AmEx gold or a Venture X. All this because I have planned a few trips for next year.

[@keekwashington8309]

I am 25 no credit cards but need to build my credit but after this video pretty confident on which one to start off with

[@erikl1368]

I only wish I had learned about this earlier in my life. I'm still fairly young but I would've loved to have this knowledge 10 years ago. Great video.

[@alanramos7464]

Got my AMEX GOLD card this year @ age 21 🙌

[@ZucchiniShadow]

So far this is the best video I've found explaining when and which cards to get. I'm almost 21 and I'm looking to apply for my first credit card. My credit score is 682 from a secured savings loan I did through my bank. The Discover it is a card I've been looking at simply because their customer service is phenomenal from what I've witnessed second-hand. I'm thinking I could also apply for the chase freedom student card as well and eventually upgrade both cards.

[@johnsfinancetips]

Thank you for the comment and I'm glad it helped! At around 682 you're definitely in range for the student cards. You can't go wrong with either Discover or Chase on that end. Best of luck!

[@Breezie51]

Love the vids my guy appreciate your hard work

[@Jaleelkarim]

Great video I learn a lot about credit cards thanks 💯

[@miguelcano292]

He’s 100% right about the making they payments in full and on time, I got the Amex gold card at 19 and the platinum at 20 just by doing these two things

[@nategibbons172]

I learned the hard way on Alaska miles and Hilton points. Gotta use them

[@corchfpv7809]

I am 20 and I have 4 cards. Started with the chase student card, then got the discover student card. Recently I got the chase freedom flex as well as the chase sapphire preferred. Paid them off 100% every month and have 130,000 rewards points to redeem on travel. My credit score is above 747+. Doing very well with my credit for my age. The chase cards working together is just perfect.

[@parkerburgio]

Wow that’s awesome. I’m 18 and just got my first card. You definitely are a good model for how I wanna be with my credit card usage

[@corchfpv7809]

@@parkerburgio awesome to hear! Try to keep your credit utilization under 30% and don't miss a payment and you'll be great! Look into how to maximize your credit card rewards points for travel. Once you Learn that it's a game changer

[@parkerburgio]

@@corchfpv7809 thank u 🙏🏼

[@rijulranjan8514]

Hey man that’s pretty awesome! I’m 20 as well and so far have the discover student card and the bilt rewards card with around a 750 credit score. I’ve been looking to get my first travel-focused card. How did you stack up 130k reward points so quick?

[@corchfpv7809]

@@rijulranjan8514 Hey man, it sounds like you're on the right track. I got the Chase freedom flex and saved the 20,000 welcome bonus. I ended up getting the Chase Sapphire preferred when they were doing the 80,000 point, welcome bonus. I have one referral to the card as well for another 15k points. The rest of the points I have been just getting from using the credit cards.

[@oCloudy]

I loved the part where he said what student card you should get, and it was the card that I had just gotten as my first credit card :)

[@fragmentation7052]

Whenever I don’t like a popular movie I feel pressured to agree with the mainstream because I am bad with words and can’t justify myself, so videos like this really help me

[@trevorlear5031]

I got a sapphire preferred at 21, been paying it in full every month for a year. About to finance a car, sapphire definitely helped with the credit score lol

[@user-gt7xz8lh4d]

Started out late with CC’s at 27. My first one was BOA Secured CC $200 limit 2 years ago. Now I have a BOA 10K limit, Chase Freedom 10K, Amex BCE 20K limit and C1 Savor 10K. I see the comments and Don’t be discouraged, we all start somewhere.

[@daishi15]

Doctor of Credit, The Points Guy, reddit/Credit Cards great to go down the rabbit hole

[@ukanakhona5273]

Great knowledgeable video 👍

[@formerlycringe]

22, about to graduate I have a Discover Student card and I got "pre-qualified" for a Chase Freedom Unlimited about a week ago (No annual fee) So... I have these two cards right now. I know I shouldn't be racking up any more debt, but some of these credit cards are lookin' kinda nice, Citi even sent me a "pre-qualified" offer too for their custom cash card. I'm tempted to take them up on the offer, but I'm unsure if whether or not I should take advantage of it as you did say I should have no more than two cards. Should I take the dive or sit back with my newly acquired Chase Freedom Unlimited?

[@ccboy3960]

Im stuck between cash back vs travel points. I'd love to build points towards my annual trip during the summer... but i know ill get way more from a card that benefits me buying groceries at least 2-3 times a month...

[@smoothconsulting]

I work in the credit field and this is such a useful video. I will say people who don’t use credit cards are losing out on free money, trips, and hotels too. The pay in full tactic when you were growing up is amazing!

[@samiraxrs]

hey, isn't it too risky to have to many cards open tho? just sayin lol

[@samiraxrs]

also, lets say parents have a bad FICO score, is the option of not merging accounts better for the kid? since their score reflects on them? would opening a card alone be better or what is best to do when you don't have a good representative to represent you?

[@catty9998]

@@samiraxrsI know it’s been a month but my mother has horrible credit so it was best for me when I turned 18 to open a credit card with just my information

[@jonathanm7442]

Once you get a property I’d get a Home Depot and / or Lowe’s card. Lowe’s saves 5% with an occasional 10%. HD throws offers now and then. Comes in handy when doing a DIY project

[@davidb6337]

I’m 21 I have like 5-7 cards with 43k credit limit. Started with discover secured card, then went with chase freedom flex then the shappire preferred. Most recent card is the venture x. Highly recommend it. Credit score- 740ish

[@gravytrain1139]

I'm 19 working a full time job in IT and I have 5 cards now. In order of when I got them Wells Fargo active cash, BCE, Amazon prime, AMEX Gold, and Freedom Unlimited. Love your content! That's why I am where I am in this game!

[@jonathanguzman9725]

Im 19 and have 4, NFCU More Rewards, Amex BCE, Amex BBP, and the apple card, will apply for a chase card real soon. May i ask your credit limit and score? im at 20k combined and 750!

[@gravytrain1139]

@@jonathanguzman9725 I'm at 10k not counting the gold card and I'm at 720 because of student loans taking my score way down!

[@htownvlogs3883]

@@jonathanguzman9725 damn bro that’s wassup , im 19 with a capital one savor and discover it, with $6,500 total and 746, im tryna be on ur level

[@z609gaming]

@@htownvlogs3883 keep making your payments on time. I got a QuickSilver, the Apple Card, Chase freedom unlimited, the Amex blue cash preferred, and Citi custom cash up to 5% back. I also was approved for a 2019 civic my score is about 760 and I’m 21. Also, keep your utilization low. Pay in full if possible or the entire statement balance, and also don’t close any accounts unless you got a sucky deal(and you dont)

[@nazarjonalamov6608]

Hey guys, I’m 20 I have 2 cards capital one platinum and Quicksilver combined 2.5k. What should be my next card? I’m think chase freedom or Discover.

[@kswag]

I'm 20 and I just hit 780. Started off being an authorized user on my brothers amex gold at 17. At 18 I instantly got discover it student. Next card was the venmo card and it was kind of shitty but it was generous with the credit limit. After that I got the chase freedom student then freedom flex. Freedom flex was my everyday card up until recently when I got my own amex gold.

[@matthewskullblood9778]

why go from the discover it card to the freedom student? the discover one looked like a better option all together

[@MannyDemaga]

Welp 😅. I’m 18 and I’m moving into my second year of college. I started my credit card jorney back in december with my discover student card. I since got 2 more cards which are the Synchrony Sweetwater card cause I’m a musician and it’s expensive and being able to buy my equipment and get them financed for a few months has been game changing for me. I also got the Walmart credit card from Capital One which was a great choice because I buy at walmart a lot and in just 3 visits and an online purchase, I racked up 2,233 points, which are $23.22 in cash back. My score reached 700 recently and I wanted to get a more begginer card but I can’t until I turn 21.

[@Johndough30]

I have only been with credit cards for a bit under 3 years and although i dont have this setup you have i use my Chase Prime rewards visa to get %5 amazon purchases and %2 on gas, i use my Quicksilver for utilities and maybe to buy some candy at walgreens cause i only get 1.5% cash back with that so i dont use it much and then i have the American Express Gold card that i use to get 4X member rewards points on Restaurants (i use my chase that gives me 2% cash back if Amex is not aceepted) and i also use my American express GC for Groceries and also use it for miscelaneous purchases from time to time.

[@luxkarma4258]

You can for sure get the Amex gold at 19, My progression went Discover Student, 6 months later applied for AMEX BCE, then 6 months later, I applied and got approved for AMEX GOLD.

[@BudTenderED]

When you mention if a card does not give you a retention offer that you should "Move on", do you suggest closing the card so you don't have to pay the annual fee? Or is it better to keep that card open? Also, I got a secured credit card when I was 18, I'm now 26, howevever I still have the account open because it is my oldest line of credit. It's best practice to keep that line open for that reason, correct?

[@chosenone4051]

This information will rly help a lot of plp, thx

[@juanmonteros9583]

I'd play around with the frame rate on your camera. The lights in the back flicker so you may have to reduce it to match speed of how light travels to your camera! Makes a big difference with neon lights or any other source of light if you ever see flickering.

[@bryanmendoza4395]

I'm currently a College student but I have a 780 credit score. I did months of research, and finally paid off.

[@skyllerkyller]

Can you review the Hilton American Express cards and compare the 3 different versions

[@bruce4139]

Hey John, thanks for the advice, wanted to make a point Rbc (Canadian bank) has 2 student cards ion and ion+ the ion+ has a fee of 48$ but I'm not fully sure what the difference is just thought I would point that out

[@theflipperbros5031]

Got the Amex gold and sapphire preferred at 19.

[@jons2cool1]

I'm 26 and I just started getting into credit cards. My credit score was already decent before because I paid off my car loan and I pay on my mortgage. I just have the homedepot credit card and the sams club credit card. I like the sams club credit card because there's no annual fee and 5% cash back on gas. I'm debating between the american express gold and the capital one quicksilver. I did just sign up for my other 2 credit cards in the last few months though and I know adding new credit frequently decreases your credit score, although it is only 10% of the score. I'm sitting at a 768 credit score currently, maybe I should just go for it.

[@MatthewFrkovich]

last year I got around 5 student credit card offers in the mail with annual fees I started learning about credit when i was young though and was an authorized user on my moms card then when I was 18 skipped all the student card tier and went for cards with good cashback

[@teajuanascott4704]

Do you do like advisory sessions or consultations? I’m looking to apply for my first credit card but I’m just not quite sure which one to pick.

[@spokzac12]

Damn I just got the Amtrak credit card at 22. This man knows his stats.

[@nicholasbrizek2789]

Hello, Im 21 years old and decided to go back to school this fall semester. Prior to this decision I was working construction and decided to get my self an Apple credit card. I pay it off on time all the time and I recently decided to buy myself a MacBook Air for school and I'm financing it with my Apple Card because there is no interest fees. Do you recommend staying this credit card and or should I change my card to something else. Also I'll be doing some traveling. Thanks John, Great video.

[@zeroxlulu]

Shiiit, by age 21 I was already approved for the Chase Sapphire Reserve. I'm going to brag here a bit and say I felt so cool getting into these priority lounges and being one of the only people in their with a full head of hair lmao

[@atticussmith412]

I am 18 and going to be starting college in the next 2 weeks and currently have the American Express Gold card (My Aunt added me to her AE account or something I'm not really sure how that works to give me this card) and I am going to be using that card 99% of the time for my semester costs for college. What card should I look to build towards next once I have established my line of credit?

[@boogs208]

Been wanting to grab a chase sapphire card but had a checking account closed a few years ago with a negative balance. Would I be able to get approved without that closed account affecting me?

[@rylangarza9960]

I got a capital one at 18 then upgraded to quicksilver few months later and ended up upgrading to savor one by 19 which I am very happy with

[@CashFlowLegend]

Thank you man your videos are amazing!

[@kevindafilm7268]

Just turned 20! So far I've got 4 cards! BOA (2021) Chase Freedom Unlimited(2022) United Explorer MileagePlus (2023) First annual fee but first year they waived it! Chase Sapphire Preferred (2023)

[@DeactivateMe27]

How you get Chase? I tried getting with them and got denied:/

[@kevindafilm7268]

@@DeactivateMe27 you need a starter card for around a year then head into chase like freedom unlimited or flex but then have that for around a year then go for csp

[@anthonyferretti737]

Amex gold at age 19 and I love it, when I was 20 I stupidly got the Apple Card. I now also have the Amex Platinum and green at age 21. I love AMEX. I roll over all my points and I have been flying for free.

[@emilys9976]

I'm 20 (almost 21), I have a 788 credit score. Currently have 2 unsecured credit cards. one is a Via card with my credit union, and the other is the discover student card. The only debt it owe is my car, which i've never missed a payment for. I'm wondering when I should start looking to open a new card which offers more benefits (higher cash back)? I dont want to have too many cards open.

[@anachan5953]

I got to the us and just got my social and tax , i start a new job in August, I really want to make sure i get all the cards and advice to make sure I can maximize my savings / money. Thank you to those who take the time to reply.

[@Brown-vr5ty]

you could also get a secured loan witch means the bank gives you a loan on money you own giving you credit history even at a young age

[@vietnamtactical]

For any military, amex does not charge you an annual fee if you call and prove youre in service*

[@user-gt7xz8lh4d]

Veterans too?

[@sirbozy88]

im currently 19 i have AMEX Plat & Gold, CFU, i did add my siblings to my CC as a AU, but they are not given the card its in a "Sock Drawer" all my cards are paid off. now im teaching my friends and family how to manage CC's and give them finance tips, im looking foward to getting CSP as my next card then CFF so i can get a chase trifecta

[@sirbozy88]

i want to get 2 chase cards before the 5/24 rule kicks in

[@sirbozy88]

@Eli Toiv yes i travel for work, more then 20+ times for a year so it something i use to my advantage really it is amazing thing to have. but the high annual fee is crazy but the perks makes it worth it, but i was so quick to jump on it is because i got a 150k WB offer so i couldn't pass on it for my amex gold i got it with a 90k WB so im trying to aim high with the WB before i get the card

[@Readyplayer11]

@@eli_toivas someone 19 with a plat. Sometimes the math just works out really well. College kids are really into Uber, subscriptions, traveling and sometimes even gym memberships. It’s also a nice flex to pull out a platinum as a student.

[@BB-2383]

Okay - get the signup bonus on something like the AE Platinum. If they don't provide a retention offer, move on to the next one? Does this mean cancelling the card? From what I hear - cancelling a card stays on your credit report for 10 years, which can be a detriment, especially if I want to buy a house in a few years. Would dropping this card after 1 year = cancellation red flag on a credit report?

[@joeschratz9360]

Love your content but you didn’t cover some other and better options for student cards that I’ve seen. I would appreciate a video exploring more of the options.

[@thebangkokconnection4080]

I have eliminated cards like Bank of America and Chase for lousy customer service. Amex is not taken by many vendors especially overseas. After decades I used only discover or us bank cards. Both have great customer service right in the USA, not Mexico or India. Also I pay zero foreign transaction fees.

[@mahirshah38]

That was really helpful

[@user-nz9qx4np4r]

Hey John, what was the podcast you recommended listening too?

[@damitbao]

Hey John, I have a question about negatives on the credit report. If I’m still paying a third party to pay my old creditors their money back but still have these negatives on my credit report. How do I get rid of them? And do I even need to pay them back since I have the negatives for 5 more years anyways?

[@jcmphreek]

26, paying for flights and resorts for our honeymoon after getting a couple cards and sign up bonuses that I saved dating back to when I was 20 with my first freedom unlimited card. Points pay off big time and staying in resorts I would absolutely not have been able to afford just paying cash for

[@carson4227]

What’s the difference between the 2 variants of the discover it card? Or which is better

[@chvnelalexander]

i have three unsecure credit cards. two of them being gold amex cards, and one capital one card, with a fico score of 759 at the age of 19 with the help of no one. dont really know how i got here but im patting myself on the back. i love credit and the benefits it can give you

[@roryrichter4723]

19, college dropout. currently have Amex blue cash Preferred card as well as Amazon Prime card working on building my credit back up to get the Costco anywhere Visa card.

[@makeupwith_jojo]

Where were you 10 years ago when I was 18 and making all these mistakes ? 😫😫😫😫 thank you for making this video cuz it’s gonna save so many people financially ❤❤❤

[@MannyCovington]

Great guide!

[@user-gy5iy2fn5s]

bro doesn’t realize how much he’s helping us 18-20 year olds

[@SimoneShaw-fy2zm]

I went from investing to credit cards!

[@Readyplayer11]

I’m 19 in college, I have 5 cards including a platinum and sapphire preferred(the math checks out for credits). My parents added me on as a AU for a gold card so they know my history pretty well. I have a good amount of points between chase and Amex and miles with delta. Probably gonna move into Capone and the bilt card soon. If the math works out why not move up now.

[@LK_EBM]

How have you been redeeming your points?

[@Readyplayer11]

@@LK_EBM waiting for my roommates to start their internships so they have enough money to travel. I’ve been holding off which isn’t the best idea but hopefully can use some of those points soon. Worst comes to worst most of those chase points will give me 1.25 back on a new laptop and the Amex points will be used exclusively for travel

[@jordangetial5702]

Yoo that's cool bro I just turned 20 and I got the sapphire preferred, trying to get those bonus points because I will travel at the end of the year. I'll either move into a gold card or a Venture X.

[@miguelfranklin6427]

@@jordangetial5702I just turned 21 and I would say get the venture X if you travel a lot. Incredibly worth it man!

[@Mr.Bryan1234]

@@miguelfranklin6427amex better for travel , I get free flights with points

[@bradleygibbins-klein6505]

Im 26, Currently have: Chase Freedom Flex Chase Freedom Unlimited Chase Amazon Prime Amex Gold Citi Custom Cash Hoping to add Chase CSP once im no longer at 5/24

[@juanpablomiranda2434]

Omg dude 😂 ☠️

[@zedaprime]

Under 18 can get a credit card on their own. Got mine from a credit union. That was over 2 decades ago. I still have that.

[@Ajdklly]

If you want to build credit under 18 I recommend step. If you can’t become an authorized user on someone else’s card. I’m 13 and by 18 I should have a good credit score

[@crazyparkour8467]

My first card was a chase freedom student and I got a 700 after a year, then got the chase freedom unlimited once I turned 19. Ima tryna get the chase trifecta before I get an Amex card.

[@jakechattinger1589]

When you say pay in full do you mean pay the entire thing off or the minimum payments ?

[@SwickGamer3]

18 with Quicksilver, Discover, and Platinum. Have strategic uses for them all. 730 credit score.

[@nazarjonalamov6608]

Hey I’m 20 with Platinum and Quicksilver. Should I open Chase Freedom or Discover next?

[@ellenmaclean611]

I’m 18 got my cc 6 months ago and I have 734 score I feel like a champ 😂 getting my 2nd card tonight

[@killerpayne1997]

Yea the discovery secure card was the best for me . I put down $400 as credit I just put my phone bill on had pay automatic. Now I have 2card Apple Card and discovery with a 760 credit score .

[@champ5594]

You don’t need a card in Highschool but once you start college there’s credits specifically made for students and no annual fees. I also got a free $100 for making an account and making 10 transactions with chase only for college students

[@jonatangomez4007]

24 with 13 credit cards, always make sure to pay my balance in full and on time to avoid interest and under 4%of utilization out of 48k limit