10/10 on the apple tree illustration. Just phenomenal.
🔥 fire :c
Do you replace an old credit line, such as a student loan, to help with the average age?
Is the blue cash preferred downgradeable to the normal cash one?
It’s nothing this man doesn’t know about credit,I salute you bro everybody should subscribe his shows
Shout out to Graham, he sent me! Thank you so much for the advice, it was very clear and concise. I understood everything.
Can someone please tell me what Sebby says between 10:40 and 10:42 ? The what card? I've replayed it like 20 times.
My CK score has always been 50-70 less than my FICO score but they use a DIFFERENT FICO sxoring system. They also make money of pushing crappier cards. They are essentially the loan sharks of the credit industry. Credit One anyone?👎 Had more respect for you Seb than to push CK… SMASHED THE LIKE anyway, dude!😉
jesus. juggling 21 cards for an excellent credit score? lmao better pack those cards into bundles of three, put 18 of them in a safe, and rotate each bundle every six weeks. personally, six cards would be the upper limit of what i can track mentally. tracking more than eight would have to move to spreadsheets, which i am not prepared to commit to at this point
The fact that this has less than 100K views…
OK so question. Let’s say I have $100 in total available credit. I have two credit cards, $50 each.If I max out one, is my total utilization 50%? Or do I get reported as a high risk user because I maxed one out?? The answer to this would really help me out
Hi there any advice of how to build credit?
Can I reopen a closed credit card if it was in good standing?
My friend has a perfect credit score with one card. He pays it off every month. Simple.
What do you mean before statement closes? Are you wanting to makesure you pay whatever balance down to 0-9% before the statement is generated?
So for example you pay in full every month, but my statement generates on the 8th of every month let's say Janurary 8th. Do you want your balance to be at 0-9% before that statement is made out? So that the Februrary due date is the amount equaling to 0-9% utilization rate?
"Lack of installment loan" is holding my score back. Any suggestions?
Wow! This was excellent! Excellent explanation. I feel like I'm really understanding this credit card game. The more I learn, the more empowered I feel. Thanks, Sebby.
Well, I tried the whole low utilization rate thing to help boost my score and it actually dropped it. I only used 5% on 1 card and 7% on the other overall 2%. So what gives? I thought it's good to report small balances
Sebby, where do you get your shirts? just curious
Dude, your content is gold. There are barely any youtubers that I actually learn from when it comes to credit card maximization and strategy. Love your methodology and analysis.
Life is all about self control and maximizing your time in the most beneficial areas
Never signed up for a credit one cc!
Wait so if I got approved for a card with a limit of 300 credit, keeping my spending limit low per month and paying in full every month will increase my credit score? Also wouldn’t that make my credit limit on the card low since I’ll be waisting money per month
I am so happy I learned this at a young age and you have been very helpful to me 🙏🏾🙏🏾
Hey! I had a great track record with my credit company and then had an unemployment gap of about six months and racked up unpaid notices from my credit company. Can I recover from this?
Great video , I have a question. You mentioned 3 cards good for the strat. Could you recommend more cards ?
I love your videos, very smart and complete. I am starting to build my credit and this has helped me immensely.
May I make a suggestion with your videos. Please slow your speech, it sounds like you're running a race at times. Great info but slow down your talking just a bit please and thanks again for the information.
Good info Thanks for sharing.
I agree with pretty much everything except for the AAoA. If you didn’t apply for a new card in the first place, looking at the example he gave, then you would have your AAoA be 15 years…
I'm so glad that I found this channel. I have a great income now, so I'm trying to get all of the financial knowledge that I can. This video helped me a lot! Subscribed!
Hey I have a question. Curious as to how long a derogatory payment affects your score.. I know it’s not good but say you missed payments 3 years ago, but are still with the same creditor, and you have been perfect since then, ..also how many points does a missed payment take off? Need some help thanks .