Fresh & Fit - May 26, 2025


Top 5 Cashback Credit Cards


Episode Stats


Length

1 hour and 35 minutes

Words per minute

186.6283

Word count

17,851

Sentence count

1,981

Harmful content

Misogyny

23

sentences flagged

Toxicity

482

sentences flagged

Hate speech

66

sentences flagged


Summary

Summaries generated with gmurro/bart-large-finetuned-filtered-spotify-podcast-summ .

Cashback Credit Card is a credit card that gives you a 2% cash back for every $100 you spend. This means that for every 100 you spend, you get a total of $2 back. Cashback credit cards are one of the most important credit cards because you re getting money back from every purchase you make.

Transcript

Transcripts from "Fresh & Fit" are sourced from the Knowledge Fight Interactive Search Tool. Explore them interactively here.
Misogyny classifications generated with MilaNLProc/bert-base-uncased-ear-misogyny .
Toxicity classifications generated with s-nlp/roberta_toxicity_classifier .
Hate speech classifications generated with facebook/roberta-hate-speech-dynabench-r4-target .
00:07:13.000 And we are live.
00:07:14.000 What's up, guys?
00:07:15.000 Welcome to Freshman Podcast.
00:07:16.000 Regular.
00:07:16.000 This is Money Monday.
00:07:17.000 We're going to be talking about cashback credit cards.
00:07:19.000 Let's get into it!
00:07:19.000 Let's go.
00:08:11.000 Welcome to the Fresh Air Podcast, man.
00:08:11.000 What's up, guys?
00:08:12.000 It is Money Monday, a.k.a.
00:08:14.000 we are going to be talking about cashback credit cards.
00:08:16.000 I'm actually really excited for this episode because it's been a bit since we've done a cashback episode for you guys.
00:08:20.000 We try to do one of these for you guys per year, give you guys the best cashback credit cards for the year 2025.
00:08:27.000 And the cards are always shifting, guys.
00:08:29.000 And, you know, obviously it updates you.
00:08:31.000 Like, you know, offers change, credit cards change.
00:08:33.000 Some cards get nerfed, some cards get boosted.
00:08:36.000 Rewards change as well.
00:08:37.000 Yeah, so it's always changing.
00:08:39.000 We're going to try to do our best to obviously keep you guys up to date, but I think today's a very important episode because the last episode we did, we talked about getting your credit started, or if you have low to no credit, kind of getting your fee in the door.
00:08:52.000 Once you've got your foot in the door, then you can start taking advantage of the actual benefits that come with credit cards, which one of the big ones is cashback.
00:09:00.000 And I think, honestly speaking, I think cashback credit cards are the most important credit cards because cashback credit cards actually give you Money back versus getting rewards or flyer miles, whatever.
00:09:12.000 Not everyone travels.
00:09:13.000 Not everyone has certain perks that they like to get, but everyone can benefit from getting cash back.
00:09:19.000 And I think, in general, if you're going to go ahead and run a credit card stack, I think you need to have a good cash back credit card in your repertoire.
00:09:28.000 It's like a non-negotiable.
00:09:29.000 If you're going to have one credit card, it's got to be at least a cash back credit card.
00:09:33.000 What are your thoughts on this?
00:09:35.000 Yeah, so cash back credit cards, man.
00:09:37.000 Honestly speaking, this is one of the best parts because you're going to spend cash anyway.
00:09:40.000 For gas, for food.
00:09:42.000 So getting money back, you're spending money anyway, also because you're getting money back regardless.
00:09:47.000 So I think getting the cash back credit cards, you're going to spend money anyway, and you get it back.
00:09:51.000 Now, here's the thing though.
00:09:52.000 You've got to pay off your credit card every month.
00:09:54.000 Because you can spend the money on your credit card, max it out, and I'll pay it off.
00:09:58.000 You may get points, but I know what's the point of having that credit card with all that debt.
00:10:01.000 So, pay it off every month in full, and I use it again.
00:10:04.000 But the good part is, you're spending the money anyway, We'll also get points for it and get it back with cash. 0.86
00:10:09.000 Now you guys are probably wondering, Myron, what the fuck is a cashback credit card?
00:10:12.000 So guys, a cashback credit card is a credit card basically that where every time you spend money, you get a percentage back, right?
00:10:19.000 So what I always tell you guys is you want to have a credit card that gets you at least 2% cash back.
00:10:26.000 So for every $100 you spend, you get $2 back.
00:10:28.000 Now I know you guys are probably like, what the hell?
00:10:30.000 $2 back?
00:10:31.000 That's nothing.
00:10:31.000 But over time...
00:10:35.000 I'm telling y 'all, bro.
00:10:36.000 It adds up, especially if you're using that cashback credit card to make big purchases on things for your business or you're making purchases that you otherwise would have made anyway. 1.00
00:10:42.000 This is why I tell you guys, if you're paying for things with a debit card or cash, you're an idiot. 1.00
00:10:48.000 You're an idiot. 1.00
00:10:49.000 And that's brokey behavior. 1.00
00:10:50.000 Brokeys, bro, you know what?
00:10:52.000 The number one way I can tell someone's poor? 1.00
00:10:54.000 I'm at the fucking grocery store or 7-Eleven or something like that and I see that dumbass nigga putting his pin. 1.00
00:10:59.000 I know. 1.00
00:10:59.000 He's an idiot. 1.00
00:11:01.000 Stupid. 1.00
00:11:02.000 Cash. 1.00
00:11:03.000 Okay?
00:11:03.000 Just swipe and leave.
00:11:05.000 Alright?
00:11:05.000 Or Apple Pay.
00:11:06.000 But if you're over here like literally fucking putting in your pin number into the fucking thing, you're a retard. 1.00
00:11:11.000 Because that means that I know that you're using your debit card or cash to purchase something. 1.00
00:11:16.000 That should never be happening.
00:11:17.000 You should be using a credit card for literally every single purchase you make, guys.
00:11:22.000 Okay?
00:11:23.000 Like, I literally fight to use my credit card in some cases.
00:11:26.000 They'll be like, oh yeah, we only accept this.
00:11:28.000 I'll be like, yo, can I PayPal?
00:11:28.000 Yo, can I do this?
00:11:29.000 Because I know that using a credit card, number one, you get the protection.
00:11:32.000 Number two, you get the benefit.
00:11:34.000 And number three, you don't have to worry about putting your debit card into these readers that a lot of times steals your information.
00:11:41.000 And the banks are not going to be as nice about helping you get your money back when you get scammed.
00:11:46.000 Guys, scamming is one of the fastest growing crimes in America nowadays.
00:11:50.000 You want to really go ahead and put your debit card into something where, These scammers might have some data there or someone might have your information like, bro, it's not worth it, man.
00:11:58.000 Just use a credit card because credit cards, even the shittiest ones, have consumer protection laws in place or consumer protection policies.
00:12:05.000 So, like, I don't know why anyone uses a debit card or cash. 0.98
00:12:09.000 Like, if you're buying things and cashed up and screaming about this since 2020, you're literally a retard and you deserve to be made fun of. 1.00
00:12:15.000 I remember recently I had an issue, you know about this, where my debit card was taken advantage of, basically. 0.97
00:12:22.000 And they got access to my account.
00:12:24.000 Now, mind you, if I used my credit card back then, I would have been scot-free and they would have basically said, you know what?
00:12:32.000 Take away the charges.
00:12:33.000 You're good to go.
00:12:34.000 But with my debit card, I had no choice but to use it because they didn't set credit cards.
00:12:37.000 They took that information, took money from my account, which is insane, by the way.
00:12:42.000 Luckily, I got everything back from Wells Fargo.
00:12:43.000 Shout out to them.
00:12:44.000 But if I used my credit card, it would have been fine.
00:12:46.000 No issues.
00:12:47.000 Good to go.
00:12:48.000 But it took 30 days to get my money back. 1.00
00:12:50.000 Fucking crazy, bro. 0.99
00:12:51.000 Yeah. 1.00
00:12:51.000 30 days. 1.00
00:12:52.000 And the thing is, when it's with your bank account, you might need that money.
00:12:56.000 So that makes it even worse.
00:12:58.000 At least with a credit card, you could dispute it.
00:13:00.000 It might take 30 days, 60 days.
00:13:02.000 But here's the thing.
00:13:03.000 They hold that money in advance, where you don't have to pay it.
00:13:06.000 So let's say someone charged your card for $1,000 that you didn't charge.
00:13:12.000 You call them up.
00:13:13.000 Hey, it wasn't me, etc.
00:13:15.000 They're going to probably open up a fraud claim, investigate it, whatever.
00:13:18.000 But you're not on the hook for that $1,000 until it clears.
00:13:21.000 Okay, until they conclude their investigation where they figure out it was fraud or you're committing fraud, which, guys, don't do that.
00:13:28.000 Get blacklisted.
00:13:28.000 You'll get in trouble.
00:13:29.000 Don't be like one of these niggas that be doing chargebacks all the time. 1.00
00:13:32.000 Doing some niggas shit, bro. 1.00
00:13:33.000 Don't be an idiot. 1.00
00:13:34.000 But, you know, if you're actually putting real fraud claims in there, right, as you should be, 99% of the time you're going to get your money back and you won't have to pay that balance. 1.00
00:13:44.000 As you're waiting for them to conduct their investigation.
00:13:47.000 And that's another good thing with using a credit card.
00:13:49.000 You get that added layer of protection.
00:13:50.000 So you get benefit.
00:13:51.000 You get protection.
00:13:52.000 And, I mean, it's just a no-brainer, guys.
00:13:55.000 You're spending the money anyway.
00:13:56.000 And you're spending the money anyway, and you get a benefit from it. 0.99
00:13:58.000 You get no benefit from paying in cash, unless you're a fucking drug dealer and you're trying to be anonymous. 0.99
00:14:02.000 And you get no benefit from paying with your debit card. 0.99
00:14:06.000 At all.
00:14:07.000 So, guys.
00:14:08.000 Oh, and you also improve your credit.
00:14:10.000 So, you get protection.
00:14:11.000 You get benefits, and you're improving your credit while doing it.
00:14:13.000 It's a no-brainer. 0.98
00:14:14.000 For all you guys that are watching right now, if you don't have a credit card, I don't know what the fuck you're doing. 0.99
00:14:19.000 Okay? 0.99
00:14:19.000 You need to get a credit card. 0.99
00:14:22.000 I know what you guys are probably saying.
00:14:23.000 Well, Myron, hold on a sec, bro.
00:14:24.000 What about, like, you know, Dave Ramsey tells me all the time that, like, you know, debt is bad and, you know, having a credit card is evil, blah, blah.
00:14:31.000 Look, if you're watching Fresh and Fit, you're already a higher IQ individual and you have some critical thingy skills.
00:14:37.000 Okay?
00:14:37.000 if you're watching us.
00:14:48.000 Right?
00:14:49.000 So, what I want you guys to realize, okay, is that you just don't spend more than you make.
00:14:56.000 It's very simple, guys.
00:14:57.000 All debt and financial literacy comes down to don't spend more than you make.
00:15:03.000 How do you do this? 1.00
00:15:05.000 Well, number one, you don't buy stupid-ass luxury items. 1.00
00:15:08.000 Number two, You don't eat out often at luxury restaurants, right? 1.00
00:15:12.000 You keep your food price cheap, okay?
00:15:14.000 You are not buying luxury clothes. 1.00
00:15:17.000 Like, you're not doing all this dumb nigger shit. 1.00
00:15:18.000 And Fresh can tell you guys why it's a waste of money. 1.00
00:15:21.000 Yes.
00:15:21.000 As someone that participated in that culture and that behavior.
00:15:24.000 As a nigger connoisseur, I've been there a few times.
00:15:28.000 Luxury items, restaurants, occasional luxury yachts.
00:15:33.000 Now, let me tell you this, guys.
00:15:34.000 Credit cards are great, but they're also bad, too, as well, as Dave has probably told you.
00:15:39.000 Here's a good part.
00:15:40.000 When you evolve watching our content, watching for years, our Money Money episodes, you just don't realize the pattern here.
00:15:47.000 There's people that have credit cards that are massive amounts of debt.
00:15:51.000 But then there are others that have credit cards that are buying real estate, getting deals done, getting best risk because they're responsible with the money.
00:15:58.000 Now, as a nigga, you know, I've been there.
00:16:01.000 I've done that. 0.98
00:16:02.000 Trust me.
00:16:02.000 It's fun, but bad fun.
00:16:04.000 Because at one point, I had literally, I kid you not, guys.
00:16:09.000 30k credit card debt.
00:16:10.000 30k.
00:16:11.000 Now, that's because I was spending money that I had, of course, but what happened was that I was doing too much.
00:16:20.000 You know, living the lifestyle. 0.96
00:16:22.000 And me being transparent here, I was being a nigga. 0.98
00:16:25.000 So, I decided to be a white man. 0.97
00:16:27.000 Hey, be smart about my money and hold it down and pay it off slowly but surely.
00:16:32.000 And guys, within two months, it was paid off. 0.88
00:16:34.000 But again, the nigga mindset is bad. 1.00
00:16:37.000 Get rid of it. 1.00
00:16:39.000 Stay white and stay right. 0.95
00:16:41.000 Let's go.
00:16:42.000 Yeah, so...
00:16:47.000 Guys, I'm not kidding around.
00:16:49.000 If you just simply don't spend more than you make and use credit cards for everything that you buy, you're going to be in a really good position because what you're doing is you're buying things you're going to buy anyway.
00:17:01.000 You're getting benefits.
00:17:02.000 You're getting free money and benefits.
00:17:04.000 You're getting the benefits of improving your credit score.
00:17:07.000 While simultaneously getting free benefits, whether it's points, cash, whatever it is, depending on, in this case, it's going to be cash because we're going to tell you guys about cashback credit cards.
00:17:16.000 And you're getting that extra consumer protection, man.
00:17:20.000 So, again, I'm spending the beginning part of this because I know a lot of you guys have credit card fear because a lot of financial gurus will tell you guys, oh, stay away from credit cards.
00:17:28.000 They're bad for you, man.
00:17:29.000 They're going to make you poor.
00:17:30.000 Debt is bad, blah, blah, blah.
00:17:31.000 Which, you're right.
00:17:32.000 They are right in the regards where consumer debt is bad.
00:17:36.000 However, you need to improve your credit score to a degree.
00:17:39.000 Why?
00:17:40.000 Because when you improve your credit score, then you're going to be in a better position to do what?
00:17:43.000 Get the good debt. 1.00
00:17:44.000 That's real estate, motherfuckers. 1.00
00:17:44.000 What is that good debt? 1.00
00:17:46.000 So unless you want to be paying 10% on interest rates or not get approved for a loan when you apply to buy a home or your first investment property, you're going to have to bring your credit score to an acceptable level.
00:17:55.000 That's going to need to be about a 760, if not better, okay?
00:17:59.000 So that you can get the best rates. 0.99
00:18:01.000 Otherwise, you're going to get absolutely fucking jerked around when they hit you with a higher interest rate because your credit score sucks, guys. 0.99
00:18:07.000 So it's not just about building credit so you can get some points or fly around and, you know, meet bitches. 1.00
00:18:12.000 No, it's about getting a good building up a credit, getting a good credit score.
00:18:15.000 Then you're working your way up so that you can go ahead and procure your first.
00:18:21.000 So you can go ahead and start to build actual wealth.
00:18:23.000 And this is what they don't want you guys to know because if you understand debt properly and you understand how to manage your money properly, what's going to happen is you are going to go ahead and be able to create what I call the well of wealth, right?
00:18:35.000 So what I mean by this well of wealth is your goal is to do this.
00:18:38.000 Your goal is to work, make money, earn income, right?
00:18:43.000 From that earned income, you're going to take a portion of it As much of it as you can, by the way, that you can afford to, and you're going to invest it into an asset class that pays you back, okay?
00:18:55.000 Now, you do this for one year, two years, three years, four years, five years, you might get your first property.
00:19:01.000 Once you get that first property, that property is going to be paying you to own it, okay?
00:19:06.000 Because you're going to be leveraging it where you're using a bank to get a portion of it paid off.
00:19:11.000 You put in a small portion, then you got a tenant in there paying for it, right?
00:19:15.000 When a tenant pays for it, You build up and save that money as well, just like you did before.
00:19:19.000 Now you got added income, you got earned income, and you're going to go ahead and you do that again.
00:19:22.000 Then you're going to do it again, and you're going to do it again, and you're going to do it again.
00:19:24.000 And what's going to happen is, you're going to be having money coming in consistently from the real estate properties.
00:19:29.000 Okay?
00:19:30.000 That is how you build wealth.
00:19:31.000 Not just from your net worth, but you're also getting passive income coming in, right? 1.00
00:19:36.000 Then you can go ahead and buy the nigga shit with the passive income. 1.00
00:19:39.000 But if you're really smart, you'll go ahead and take that passive income and add it to your earned income. 0.99
00:19:43.000 And then you can buy more assets.
00:19:45.000 They give you even more passive income. 0.99
00:19:47.000 And this is how the fucking regular people become rich, guys. 0.99
00:19:50.000 This is the secret. 0.97
00:19:52.000 But for you to be able to do this, you need to be able to manage debt properly, okay? 0.97
00:19:55.000 That means eliminating consumer debt to the best of your ability while simultaneously getting good debt, aka real estate debt, that your fucking tenant is paying off for you, okay? 0.87
00:20:06.000 That is the secret that no one wants to fucking tell you guys because, you know, they're like, oh, well, you know, I could buy my course and I'll teach you. 0.99
00:20:12.000 No, man, we're just telling you guys this shit for free. 0.99
00:20:14.000 But it starts with you having credit card diligence, guys. 0.99
00:20:18.000 Okay?
00:20:18.000 That's how it starts.
00:20:20.000 Once you figure out how to master the credit card, get your credit score up, get your credit score up.
00:20:24.000 Then you can start getting into the real estate game. 0.98
00:20:25.000 Once you get into the real estate game, now we're fucking talking. 0.97
00:20:28.000 Now we're talking about you building wealth. 0.97
00:20:30.000 Now we're talking about you being able to get residual income. 1.00
00:20:32.000 Now that's you being able to tell your employer or tell other people, like in my case, telling them boys, fuck you, okay? 1.00
00:20:39.000 Shalom that, motherfucker. 1.00
00:20:40.000 I can say what I want to say because I don't have to worry about anything because I got my real estate that's taking care of me, right? 0.99
00:20:45.000 So I want you guys to be in that position. 0.96
00:20:47.000 Maybe not necessarily saying fuck the temple, but you guys get what I'm saying here. 0.99
00:20:50.000 I want you guys to be able to have the freedom to do what you want to do, whether it's you flipping off your boss, you flipping off your coworkers, whatever it is, having a hold on financial clarity and understanding how debt works and leveraging it to your fucking benefit, a.k.a. 0.97
00:21:05.000 flipping the usury back on them, then you could go ahead and get the W. So let's talk about this, these cashback credit cards, right?
00:21:14.000 Do you have anything you want to add before I...
00:21:18.000 No.
00:21:20.000 You not?
00:21:21.000 You sure you not?
00:21:22.000 Listen, man.
00:21:25.000 It's a comedy skit.
00:21:26.000 You said a lot, bro.
00:21:27.000 You said a lot.
00:21:28.000 It's a comedy skit, by the way.
00:21:29.000 Thank God for YouTube.
00:21:30.000 We're comedians.
00:21:31.000 Go ahead, hit the button, then.
00:21:32.000 Yeah.
00:21:33.000 No, not that button.
00:21:34.000 Oh, yeah, yeah, yeah.
00:21:36.000 Don't y 'all have my stuff for this?
00:21:37.000 No, not that one.
00:21:38.000 She belongs to the streets. 1.00
00:21:40.000 The fuck, Mo? 1.00
00:21:44.000 These names are failing behind the scenes, man. 1.00
00:21:46.000 The sticker burned out.
00:21:47.000 Okay.
00:21:48.000 What's the first card, man?
00:21:51.000 Did you guys have a comedy skip button?
00:21:53.000 Yeah, it's on the app hours setup.
00:21:55.000 Oh, it's not on the regular one?
00:21:57.000 Yeah, we didn't think that she was going to...
00:22:02.000 Before we show them the first card here, the reason why I want you guys to all have at least a cashback credit card is because, like I said before, with a cashback credit card, you're going to at least get money back, and you can use that.
00:22:12.000 And again, for every $100, you get maybe 2%, whatever.
00:22:16.000 You guys say, oh, that's nothing.
00:22:17.000 Guys, it adds up over time.
00:22:19.000 We're talking about over a year or a couple of years.
00:22:21.000 You can get like a thousand bucks, if not more.
00:22:23.000 And that's free money on money you want to spend anyway.
00:22:25.000 Okay?
00:22:26.000 So I think it's a big W. And I think if you're going to have a credit card, right, and you want to benefit, at least make it a cashback credit card.
00:22:33.000 Some of y 'all don't travel.
00:22:35.000 Some of y 'all don't care about, you know, getting points for your Marriott.
00:22:39.000 Some of you guys don't care about getting flyer miles.
00:22:40.000 Some of you guys don't care about getting credits to...
00:22:46.000 Fine.
00:22:47.000 No problem.
00:22:48.000 At least get a cashback credit card.
00:22:49.000 Okay?
00:22:50.000 Every single one of you in here should have, at bare minimum, a cashback credit card.
00:22:56.000 Now, what are the parameters for a good cashback credit card?
00:22:58.000 2%, if not more.
00:23:00.000 Okay? 0.99
00:23:01.000 I don't want to hear none of you motherfuckers in here talking about, oh yeah, I got this cashback credit card, and it's 1%. 1.00
00:23:06.000 What the fuck are you doing? 1.00
00:23:07.000 Are you stupid? 1.00
00:23:09.000 It's 2025. 1.00
00:23:10.000 We don't accept anything below 2%.
00:23:12.000 Alright?
00:23:14.000 2% bare minimum flat on everything.
00:23:18.000 Alright?
00:23:20.000 The only way it's acceptable to get a 1.5 or a 1% cashback is if like it's giving you some crazy number on some other category that you spend on all the time.
00:23:20.000 2%.
00:23:31.000 And you better spend on it all the time. 1.00
00:23:32.000 I'm talking you're a fucking truck driver and you're buying gas all the time or some shit like that. 0.99
00:23:36.000 You got a one credit card that gives you 1% cashback on all purchase but it's giving you like 5% on gas. 0.99
00:23:41.000 In that case, I can accept that.
00:23:41.000 Fine.
00:23:43.000 But in general, all of you should have a general 2% cash back card that you're swiping on fucking everything as your foundation. 0.93
00:23:53.000 Okay? 0.81
00:23:53.000 That is a starter pack. 0.81
00:23:54.000 2% cash back.
00:23:56.000 You understand? 1.00
00:23:57.000 I gotta yell at you niggas so you understand what the fuck I'm talking about. 1.00
00:24:00.000 2% bare fucking minimum. 1.00
00:24:02.000 I don't even want you guys getting a specialty card that gives you 5% at the fucking snack store because you're a fat piece of shit. 1.00
00:24:08.000 You need to get 2% First. 1.00
00:24:11.000 Okay?
00:24:11.000 Once you got the 2%, then we can work on the other cards, which don't worry.
00:24:15.000 I'm going to show you guys a couple grocery cards and shit like that for y 'all niggas as well. 1.00
00:24:18.000 They don't want to go ahead and shop at Sam's Club or Walmart, any of that other shit. 0.96
00:24:21.000 But we need to establish the 2% first. 0.98
00:24:24.000 So here's some good ones here that have no annual fee that I found for you niggas. 1.00
00:24:24.000 Okay? 1.00
00:24:28.000 Let's pull up the first one.
00:24:29.000 Wells Fargo, active cash. 1.00
00:24:31.000 And just so you guys know, these motherfuckers are not paying us to say this shit. 1.00
00:24:35.000 This is all us just giving you guys free information. 1.00
00:24:39.000 Want you guys to win. 0.99
00:24:40.000 We're not sponsored by none of these bitch-ass niggas. 1.00
00:24:42.000 We're just giving you guys the sauce because we want you guys to win. 0.99
00:24:45.000 Alright?
00:24:46.000 So, you banked with Wells Fargo. 1.00
00:24:48.000 Don't they suck? 0.99
00:24:49.000 Yeah, well, I still bank there, man. 1.00
00:24:51.000 So, they're good to me.
00:24:53.000 They're great to me. 1.00
00:24:54.000 Y 'all niggas are trash. 1.00
00:24:54.000 One time you weren't good to me, though. 1.00
00:24:56.000 But it's fine.
00:24:57.000 They have my money right now.
00:24:58.000 So, I'm going to say they're good.
00:24:59.000 But, listen, guys.
00:25:01.000 Here's a cheat code you can use as well.
00:25:02.000 Whenever you want a car from a specific bank, Now, if you're a brokey and you have negative balances in your account, then you can forget it because they probably know you're a bad customer.
00:25:17.000 But if you're a good customer, they should treat you good, at least with that.
00:25:20.000 Granted, though, most of you that use Chase Wells Fargo TD Bank, if you go through them for your actual credit cards, it should be a little bit easier.
00:25:28.000 Wells Fargo actually has...
00:25:34.000 Now, though, keeping this in mind, when it was Fargo, if you can use the cashback card, this is something that I used to do as well.
00:25:41.000 I set up a budget.
00:25:42.000 So every month, I would have, like, legit, okay, I can spend on this card maybe $2,000 to $3,000 max because I have the cash to pay it off.
00:25:51.000 If you go over that limit, you're cooked.
00:25:54.000 So have a record of what you can spend on each card so you don't overdo it.
00:25:57.000 And if you're not sure, log into your account.
00:25:59.000 You can see it right in your face.
00:26:00.000 Log into your Wells Fargo app.
00:26:01.000 Watch how much money you spent for that month or for that quarter of that month.
00:26:05.000 But again, have a record so you can see because the problem is with these credit cards, I get it.
00:26:09.000 They're amazing, but a tool used wrong can be terrible.
00:26:13.000 So that's what I would say for the Wells Fargo cashback card.
00:26:16.000 Yeah.
00:26:17.000 So, real quick, let's pull it up.
00:26:19.000 Let's give them some of the perks.
00:26:20.000 Because these cars change all the time.
00:26:21.000 So, earn $200 cash rewards bonus when you spend $500 a purchase in the first three months. 0.97
00:26:26.000 Guys, that's fucking nothing. 0.99
00:26:27.000 You're buying a fucking TV or some shit in three months? 1.00
00:26:27.000 Literally what? 1.00
00:26:31.000 That's easy.
00:26:32.000 You could pay for maybe some of your rent with that or something.
00:26:34.000 Yeah.
00:26:35.000 Speaking of which, oh, thank you for saying that.
00:26:35.000 Oh!
00:26:37.000 There's a website you can use.
00:26:38.000 There's a credit card.
00:26:39.000 We're going to put you niggas on. 1.00
00:26:40.000 There's a credit card specifically for paying your rent. 0.70
00:26:42.000 It's the only one really.
00:26:43.000 Built.
00:26:43.000 Let's put that on the list too for us, Bill.
00:26:45.000 Both four guys are running a program with that.
00:26:47.000 Built.
00:26:48.000 B-I-L-T. 0.99
00:26:49.000 Yeah, B-I-L-T. 1.00
00:26:50.000 We're going to put you guys on.
00:26:51.000 It's like the only credit card you can really pay a rent with.
00:26:54.000 And you get points for it as well.
00:26:55.000 B-I-L-T is what it is. 0.99
00:26:57.000 But we'll cover that one last.
00:27:00.000 So anyway, yeah.
00:27:02.000 $500 in the first three months, that's nothing, guys.
00:27:04.000 So you get $200 for free for spending $5.
00:27:06.000 That's crazy.
00:27:07.000 Then you get 2% unlimited cash back rewards on purchases, and there's a zero annual fee, which is fucking huge, because zero annual fee, guys, so it doesn't hurt you whatsoever to hold a credit card.
00:27:21.000 You get 200 bucks just for signing up.
00:27:23.000 Okay.
00:27:24.000 And, um, and as usual, if you're a Wells Fargo, Yeah, good find, man.
00:27:34.000 Yeah, that's like a cheat code that people don't really realize.
00:27:36.000 If you bank with that bank, you have a good card, you're a good customer, you're pretty much guaranteed on some level to have that access. 0.99
00:27:43.000 But if you're a trouble customer, you've got overdrawn accounts, you don't pay your actual bills, then you're fucked. 0.98
00:27:48.000 In other words, if I applied for this card... 1.00
00:27:48.000 Yeah. 1.00
00:27:52.000 I mean, it's an easier card to get, but let's say my credit score wasn't where it's at.
00:27:55.000 I would have a harder time getting this card than Fresh, for example, because Fresh is a Wells Fargo customer, so they're going to give him a bit more leeway to get access to the card.
00:28:03.000 So banking with the institution does help you a little bit when it comes to getting their credit cards.
00:28:08.000 A little bit.
00:28:08.000 Not a lot, but it does help you a little bit, right?
00:28:12.000 Because you have access to their customer service, etc.
00:28:14.000 It's all one...
00:28:17.000 Yeah, yeah.
00:28:17.000 Yeah.
00:28:19.000 Which, you know what, if you got bad, if you're overdrafted on time, nigga, then don't apply. 1.00
00:28:23.000 That'll be terrible for you. 0.99
00:28:24.000 Yeah, yeah, that actually will fuck you up. 1.00
00:28:25.000 Holy. 0.89
00:28:26.000 So, yeah.
00:28:27.000 Okay, who's up next?
00:28:29.000 City.
00:28:30.000 Oh, actually, let's go back to the cashback one real quick.
00:28:33.000 Yeah, let's make sure we have...
00:28:40.000 For 12 months.
00:28:41.000 Oh, for 12 months.
00:28:42.000 Oh, that's even good too!
00:28:43.000 So you don't even gotta pay interest! 1.00
00:28:44.000 Damn! 1.00
00:28:45.000 For 12 months. 0.99
00:28:46.000 Okay, so 0% intro APR for 12 months.
00:28:48.000 From account opening on purchase and qualifying balance transfers after that, your variable APR will be...
00:28:53.000 They're gonna kill you on that one, bro.
00:28:55.000 Let's clarify. 1.00
00:28:56.000 This is for personal, right?
00:28:57.000 Personal, not business.
00:28:59.000 No, no, no.
00:28:59.000 Guys, these are all personal credit cards.
00:29:02.000 All of these are personal credit cards.
00:29:03.000 We will do an episode on business credit cards next.
00:29:08.000 Yeah, we got to do travel, then we'll do business.
00:29:10.000 But this is, guys, these are all personal.
00:29:13.000 Cash back credit cards for business?
00:29:15.000 We're going to have to do a whole other episode for that, for you guys.
00:29:17.000 But this is personal.
00:29:19.000 But yeah, going back to this card real fast.
00:29:21.000 So, obviously, zero liability protection.
00:29:24.000 We all know that happens.
00:29:25.000 Set out telephone protection, fine.
00:29:27.000 Auto rental collision damage waiver.
00:29:28.000 Pay for rental cards using an eligible card and remain reimbursed for coverage damage for theft.
00:29:32.000 Okay, that's cool.
00:29:33.000 That's good.
00:29:34.000 Travel and emergency assistance services.
00:29:36.000 A lot of them have that.
00:29:37.000 Credit close-up.
00:29:39.000 Okay, boom.
00:29:40.000 You can track your FICO score on here and raise it and maintain it.
00:29:43.000 So that's good.
00:29:43.000 So a lot of times when you get these credit cards, guys, they'll give you access to an app so that you can pay your bills.
00:29:48.000 A lot of times these apps come with a built-in either Experian, Equifax, or FICO score that you can go ahead and look at on your phone.
00:29:56.000 So for example, I'll show you guys right now.
00:29:58.000 I open up my Capital One, right?
00:30:00.000 I use Capital One.
00:30:00.000 I got Capital One.
00:30:01.000 I have Amex, right?
00:30:02.000 So if I open up my Capital One, right?
00:30:05.000 I sign in.
00:30:06.000 And then what ends up happening is I go ahead and I click credit-wise, right?
00:30:11.000 Which I think reports off of Experian or some shit like that. 0.75
00:30:15.000 Right? 0.94
00:30:16.000 And then, bam!
00:30:17.000 It shows me my credit score.
00:30:23.000 You guys can see that?
00:30:24.000 I gotta put it maybe over my face.
00:30:27.000 I can see it.
00:30:28.000 You guys can see that?
00:30:29.000 So I'm sitting at like a 772, I think, right now?
00:30:32.000 Yeah, I see something.
00:30:36.000 For free, by the way.
00:30:38.000 Just for me having an account and paying my thing.
00:30:40.000 And there are updates every single week, Chad.
00:30:42.000 Okay?
00:30:43.000 Now, American Express also has something similar to this with their thing.
00:30:47.000 You sign in, right? 0.98
00:30:49.000 And then once you sign in, you do a little password and face ID, whatever the fuck you want to do. 1.00
00:30:56.000 I have face ID on all my shit. 0.99
00:30:58.000 And then I just go ahead and you go membership. 0.99
00:31:04.000 Or no, offers.
00:31:05.000 Is it offers?
00:31:07.000 I always forget here.
00:31:07.000 Sorry, guys.
00:31:08.000 I think it's on the profile.
00:31:10.000 You scroll all the way to the bottom, right?
00:31:10.000 Okay.
00:31:12.000 And it says, all the way to the bottom, it says FICO score and insights, right? 0.99
00:31:17.000 Right there on the bottom for your MX shit. 0.99
00:31:18.000 You click that? 0.99
00:31:20.000 And then, nigga's asking me to log in again. 1.00
00:31:23.000 Bro, I hate this shit, man. 1.00
00:31:24.000 When they make me do this shit, man. 1.00
00:31:25.000 I just hit my Chase account. 1.00
00:31:26.000 This is my score on Chase.
00:31:28.000 Yep.
00:31:28.000 Experian.
00:31:29.000 So look, even with Chase, they give you one as well.
00:31:31.000 Chase gives you what?
00:31:32.000 Experian?
00:31:32.000 Yeah.
00:31:33.000 Okay.
00:31:34.000 So, 745.
00:31:35.000 Yeah, there you go.
00:31:36.000 So, that's with Chase.
00:31:38.000 We're showing you guys literally.
00:31:39.000 See, like, all these credit card companies, when you use their apps, they want you to use their apps, and they give you, like, a free credit score tracker. 0.89
00:31:46.000 So, you don't need, like, credit card or any of this bullshit no more.
00:31:48.000 Also, here's my FICO score on Wells Fargo. 0.98
00:31:49.000 You got it?
00:31:50.000 Okay, boom.
00:31:51.000 806 on there.
00:31:51.000 806.
00:31:52.000 No, because I have a host on my other one.
00:31:54.000 That's why it's so low, bro. 0.99
00:31:55.000 It should be, like, 780 plus, but I have a host on that shit. 0.99
00:31:58.000 Don't ask me why. 0.97
00:31:59.000 806 on FICO, though.
00:32:00.000 Yeah, Fico's where is that, bro?
00:32:02.000 Yeah, Fico, you'll have a little bit of a higher score than the other ones.
00:32:06.000 Exceptional.
00:32:06.000 Check it.
00:32:08.000 Everything.
00:32:08.000 You can't see?
00:32:09.000 Fuck! 1.00
00:32:11.000 Whatever, but yeah. 1.00
00:32:12.000 There you go.
00:32:13.000 Hold on one sec, guys.
00:32:15.000 But yeah, guys, the good part about this is that once you understand proper budgeting for your card, it's the best tool you can use towards leveraging and creating wealth for yourself with certain items, obviously assets, not liabilities.
00:32:27.000 And the good part is once you do this, And also, let's say you want to go on a trip with a chick. 1.00
00:32:37.000 She's like, oh my god, papi, thank you for taking me on a trip.
00:32:37.000 Guess what?
00:32:40.000 Thank you so much.
00:32:41.000 Guess how you pay for it?
00:32:42.000 With points.
00:32:43.000 But she don't know that.
00:32:44.000 There you go, man.
00:32:45.000 Love your points. 0.99
00:32:46.000 It's asking me for all this verification shit. 0.98
00:32:50.000 You guys get the point. 0.99
00:32:50.000 The point. 0.99
00:32:51.000 So, on MX Portal, you can get access.
00:32:54.000 On a Chase Portal, you get access.
00:32:55.000 Capital One, you get access.
00:32:57.000 Amex gives you a FICO score.
00:32:58.000 Chase gives you a FICO score.
00:33:00.000 Capital One gives you, I think, Equifax or Experian.
00:33:03.000 So the point is that on all these credit card companies on the app, they give you access to your credit score, which is in itself huge. 0.99
00:33:11.000 A lot of you guys have never had a credit card before, and you guys don't even know that your credit score fucking sucks. 0.99
00:33:14.000 Yeah. 1.00
00:33:15.000 So you might get your first credit card and be like, oh yeah, but that shit is lit. 0.99
00:33:17.000 And then you look, it's like a 600. 1.00
00:33:18.000 Like, oh shit. 0.99
00:33:19.000 You know when people find out? 1.00
00:33:20.000 When I go to buy a car, I get a house.
00:33:22.000 Yeah.
00:33:23.000 Oh, sorry sir.
00:33:24.000 And that's the worst time.
00:33:25.000 Lowest rate.
00:33:26.000 Possible.
00:33:26.000 Because here's the thing.
00:33:27.000 You're already committed.
00:33:28.000 And then you get this high-ass interest rate.
00:33:28.000 You want to buy it.
00:33:30.000 And you realize your credit score sucks. 0.69
00:33:30.000 You're like, why? 0.69
00:33:32.000 And you still take the fucking deal. 0.99
00:33:34.000 Most people, like you said, they don't know until they go buy a house or a car. 1.00
00:33:38.000 Oh yeah, we ran your credit 600.
00:33:40.000 But we could do this deal for you.
00:33:42.000 And then they give you a high-ass interest rate.
00:33:44.000 It's scary.
00:33:44.000 And then you end up buying it because you're there.
00:33:46.000 You're committed.
00:33:46.000 You want to buy the car?
00:33:47.000 You want to buy the house?
00:33:48.000 Okay, fine. 1.00
00:33:49.000 Fuck it. 1.00
00:33:49.000 I'll sign. 1.00
00:33:50.000 And you get like a fucking crazy interest rate. 0.99
00:33:52.000 And then you're stuck with it. 0.99
00:33:53.000 You're stuck with it.
00:33:53.000 Right?
00:33:54.000 So, guys.
00:33:55.000 Having a credit card in the beginning can literally save you thousands of dollars.
00:33:59.000 Why?
00:34:00.000 Because you have access to your credit score.
00:34:02.000 You know what it is. 0.92
00:34:03.000 So when you go and you apply for a home loan or for a car loan or any type of loan, they can't fucking jig you. 0.89
00:34:10.000 You know what I mean? 0.98
00:34:11.000 I know my scores, nigga. 1.00
00:34:12.000 It was good. 0.93
00:34:13.000 And that's true.
00:34:14.000 A lot of people, the first time they see their credit score, Is when they go to actually make the purchase.
00:34:14.000 That's a good point you made.
00:34:19.000 Yeah, and it's too late.
00:34:19.000 That's what you don't want.
00:34:20.000 Because then, now that motherfucker got you. 1.00
00:34:23.000 Oh, yeah. 1.00
00:34:23.000 He literally got you. 1.00
00:34:24.000 He got you by the balls. 1.00
00:34:24.000 By the balls. 1.00
00:34:25.000 Because he's like, oh, sorry, your credit score, look, you don't qualify, but I made some calls. 0.99
00:34:30.000 We can get it for you at this interest rate. 1.00
00:34:32.000 But he's fucking doing this shit the whole time, knowing that he's going to fucking destroy you on the interest rate. 1.00
00:34:37.000 Yeah. 1.00
00:34:37.000 Right? 1.00
00:34:38.000 So guys, you need to know your credit score and getting a credit card Even if it's a beginner and then you graduate to getting a cashback credit card, now you have access to looking at your credit score and you know what it is and you can improve it so that when you go ahead and make that big purchase, your home, your car, you try to get a personal loan, any of that shit, you know what your credit score is. 0.66
00:34:57.000 So it's not just about getting a cashback card so you can go ahead and fucking, you know, be able to take a free trip every year. 0.91
00:35:02.000 No, man. 0.94
00:35:03.000 It's about being able to access and control your financial future.
00:35:07.000 Okay?
00:35:08.000 Let's go back to the thing real quick.
00:35:11.000 People are now actually going on trips while in debt to kind of alleviate the pain, but it never goes away.
00:35:11.000 You know what's scary, though?
00:35:18.000 So, for example, the new meta is now, oh, you got a lot of debt.
00:35:21.000 Use the last remaining credit you have to go on trips to feel better about yourself and then come back to the mess.
00:35:28.000 It's a trend on TikTok. 0.99
00:35:30.000 What the fuck? 1.00
00:35:30.000 It's crazy, bro. 1.00
00:35:31.000 TikTok is insane, bro.
00:35:33.000 Oh, we can react.
00:35:33.000 It's all about everything.
00:35:34.000 Did you have some of that stuff you want to react to?
00:35:35.000 Evictions.
00:35:36.000 Okay, we can react to that.
00:35:37.000 It's scary, man.
00:35:38.000 Let me guess who's the most evicted class.
00:35:42.000 Okay, it's women. 1.00
00:35:43.000 I'm a PhD.
00:35:46.000 Every time!
00:35:47.000 Yo! 1.00
00:35:48.000 Yo! 1.00
00:35:49.000 Niggas call me right? 1.00
00:35:50.000 Man, I don't want to say that shit on air, but... 1.00
00:35:55.000 Hey, y 'all! 0.99
00:35:56.000 Screen your tennis, man.
00:35:57.000 I'm just saying, man.
00:36:00.000 It's out there, bro.
00:36:01.000 It's not me.
00:36:03.000 Alright, we'll go back to that card real quick.
00:36:04.000 Yeah, yeah, cool.
00:36:05.000 So yeah, guys, having access to your credit score is huge.
00:36:08.000 Okay, it's very important.
00:36:09.000 Scroll up to the top real quick for me.
00:36:11.000 Yeah, so 0% intro APR. 0.87
00:36:13.000 That's actually really fucking good. 0.96
00:36:15.000 It's fire, bro. 0.96
00:36:16.000 And no annual fee?
00:36:17.000 That's wild.
00:36:17.000 I kind of want one.
00:36:18.000 You're welcome, niggas. 1.00
00:36:19.000 Found this card for y 'all, niggas, man. 1.00
00:36:20.000 Alright, what's the next card?
00:36:22.000 Good call, bro, because I didn't even see this one.
00:36:23.000 Yeah, it's a really good cashback card. 0.98
00:36:25.000 Bro, we've talked about this card for fucking years, bro. 0.98
00:36:27.000 This is honestly... 1.00
00:36:30.000 I can't even talk shit. 0.98
00:36:33.000 I'm actually mad at myself that I don't have this card because I already have so many cashback credit cards. 0.98
00:36:37.000 Bro, this is a fantastic card, honestly.
00:36:40.000 I just don't want any more cards.
00:36:42.000 That's the only reason why I didn't get this one. 0.99
00:36:44.000 I might get this shit. 0.99
00:36:45.000 I don't fucking know, bro. 1.00
00:36:46.000 Honestly, at this point. 0.97
00:36:49.000 Guys, this is probably one of the most popular, most famous 2% cashback cards.
00:36:55.000 Of all time.
00:36:55.000 Because it's just straight two cashback cards.
00:36:58.000 2% cash back on all purchases.
00:37:01.000 Basically 1% when you buy and then 1% as you pay with no category enrollment caps and annual fee.
00:37:06.000 Plus earn $200 cash back after spending $1,500 on purchases in the first six months of the account opening.
00:37:11.000 Easy to do.
00:37:11.000 You're spending the money anyway.
00:37:14.000 Easy to do. 1.00
00:37:14.000 You can buy a fucking laptop on it. 1.00
00:37:16.000 You hit your number and you basically got the laptop. 1.00
00:37:16.000 Boom. 1.00
00:37:18.000 Let's say you really bought the laptop for $1,300.
00:37:22.000 Yeah.
00:37:22.000 You know what I'm saying?
00:37:23.000 You put gas, you buy some food, groceries, by the time you finish, you're done.
00:37:26.000 This is a fantastic 2% card right here.
00:37:29.000 And we've been talking about this one since like 2020.
00:37:31.000 And the best part is, you don't learn about this in school, but you learn it here.
00:37:34.000 Yeah.
00:37:34.000 For free.
00:37:35.000 Yeah.
00:37:35.000 And a couple of you niggas already got this card.
00:37:37.000 We got y 'all niggas, man! 0.95
00:37:38.000 We put you guys on!
00:37:39.000 And just so you guys know, City's not cutting us a check. 0.97
00:37:41.000 All these other bitch-ass niggas on YouTube that are like, you know, credit card gurus or whatever, niggas pay them to tell you guys about those cards. 1.00
00:37:47.000 That is true. 0.99
00:37:48.000 We are not getting paid.
00:37:49.000 We are just telling you guys the truth.
00:37:51.000 About the best cards right now, you know, in May as of 2025. 0.95
00:37:56.000 And we just want you guys to make money, be able to get some reward while doing it, increase your credit score, get some buyer protection, and most importantly, be able to track your credit so you guys can make real purchases in the fucking future because the worst thing ever, guys.
00:38:12.000 I don't think people understand how important this is. 0.99
00:38:14.000 A lot of you motherfuckers don't know your credit score until you go make that purchase. 0.99
00:38:17.000 Alright, so I'll tell you guys a quick story. 1.00
00:38:18.000 That's scary.
00:38:19.000 How I learned about this, right?
00:38:22.000 There you go, Mo.
00:38:25.000 So, back when I was a kid, my dad left me.
00:38:28.000 Never came back.
00:38:29.000 And that feeling was so real, right?
00:38:31.000 I went to a Lexus store my first couple months here in America.
00:38:38.000 And there at Lexus store, I met a guy.
00:38:41.000 Never forget his name.
00:38:42.000 Chavez.
00:38:43.000 Miguel. 1.00
00:38:44.000 That bastard. 1.00
00:38:45.000 Bless you. 1.00
00:38:46.000 So, I go over there.
00:38:46.000 Anyhow.
00:38:47.000 I'm like, okay.
00:38:48.000 I want to get a Lexus.
00:38:49.000 I got a Toyota.
00:38:50.000 It's going okay, but like, any Lexus, right?
00:38:53.000 It's newer, cleaner, less miles.
00:38:56.000 So I go to the store.
00:38:57.000 I'm looking around.
00:38:58.000 They're like, oh, hey, can I help you?
00:38:59.000 Yeah, brother, I'm looking for a Lexus.
00:39:01.000 Maybe like this one here, a 2012 used.
00:39:05.000 He's like, okay, I'll help you with this.
00:39:08.000 He's like, let me run the numbers real quick on your score.
00:39:11.000 I give him my social.
00:39:12.000 He goes to his desk.
00:39:14.000 He says to me in like five minutes, comes back and says, sorry, we can't help you.
00:39:19.000 I was like, what?
00:39:20.000 I'm paying my car payment.
00:39:22.000 I'm making payments like, what's going on?
00:39:24.000 I should have a good score by now.
00:39:25.000 I didn't know my score.
00:39:27.000 But he knew my score.
00:39:28.000 And it was below 600.
00:39:32.000 So I was not getting anything there.
00:39:35.000 You're going to be at their mercy.
00:39:37.000 It would have killed me.
00:39:38.000 And then at that point, I was like, alright, well, what do I do?
00:39:42.000 I have to walk away in shame.
00:39:43.000 And then it's funny.
00:39:44.000 Two years later, I come back.
00:39:46.000 He's still working there. 1.00
00:39:47.000 I'm like, listen, bitch. 1.00
00:39:49.000 You see what's outside? 1.00
00:39:50.000 Range over.
00:39:51.000 There you go.
00:39:51.000 But no, no.
00:39:52.000 But I didn't understand how it worked over here with the system itself fully until I read that book, Your Credit Score by Les Weston.
00:39:58.000 Was it Les Weston?
00:39:59.000 Yeah.
00:40:00.000 And that book tells you, you need to look before you go to any place with your score ready in hand so you can tell them, listen, here's my score.
00:40:06.000 I know what I'm worth.
00:40:07.000 And you get the best rates at the higher tiers.
00:40:10.000 When it's lower, lower rates.
00:40:12.000 So, sorry, you know, you get lower rates at higher tiers, higher rates at lower...
00:40:18.000 So the best part about it is if you know what you have in your hand and the power you have, you can walk in there confident and get the best deal possible.
00:40:24.000 Yeah, and they can't jerk you around, man.
00:40:25.000 That's so important that they can't jerk you around, guys, because they always will try to jerk you around.
00:40:30.000 And the worst thing you want, I'm telling you guys, they're banking on you not knowing your credit score, and you show up at the dealership or trying to close on a house or whatever, and your credit score sucks.
00:40:40.000 And then they're like, oh, well, we can give you a loan, but it's going to be with this interest rate.
00:40:44.000 Because they'll hype you up and sell you the car.
00:40:47.000 You know what?
00:40:48.000 This car is good for you, bro. 1.00
00:40:49.000 I can see you driving this shit daily. 1.00
00:40:50.000 They didn't want to sell it to you, but I made a deal in the back. 1.00
00:40:55.000 And then that's how they jerk you with the fucking 20% plus interest rate. 0.99
00:40:59.000 Guys, you need to know your credit scores, man. 0.98
00:41:01.000 In 2025 and beyond, you just need to know.
00:41:04.000 Alright?
00:41:04.000 Like, this is unacceptable.
00:41:06.000 And getting a credit card is step one to that.
00:41:08.000 And you can monitor it for free!
00:41:09.000 These apps are free!
00:41:10.000 Because they want you to pay and use their credit cards, and the credit card game is competitive.
00:41:15.000 That's good for you.
00:41:16.000 Because now, you get their credit card, you use their credit card, you pay it off, they get business from you, and then they give you access to a nice app that also tracks your credit score.
00:41:25.000 For free.
00:41:26.000 for free.
00:41:26.000 And not only that, it'll show you all your...
00:41:31.000 Now you can look and see why it sucks. 1.00
00:41:33.000 You'll see that your shit is in the collections. 1.00
00:41:34.000 I didn't know that because you had an ambulance fucking visit 10 years ago that you didn't know about. 1.00
00:41:39.000 Right? 0.99
00:41:40.000 I can't tell you how many times guys have, like, had some shit in collections they didn't even know about. 0.99
00:41:40.000 That's a big one. 0.99
00:41:44.000 Or they went to Macy's, got a credit card when they were a teenager, never paid that shit. 1.00
00:41:48.000 Yep. 0.99
00:41:48.000 Why is it so low? 0.99
00:41:49.000 Yeah. 0.87
00:41:49.000 Well, you didn't pay that card for 20 years, nigga. 0.87
00:41:51.000 Yeah, yeah. 1.00
00:41:52.000 You got the fucking true religion genes in 2008. 1.00
00:41:54.000 Yeah. 1.00
00:41:55.000 That shit was sweet. 1.00
00:41:56.000 Bro, I used to know a guy. 1.00
00:41:57.000 I thought this before on a different show.
00:41:59.000 I used to know a guy.
00:42:00.000 He was a barber back in Bermit Pines.
00:42:02.000 And he would buy every...
00:42:08.000 Get a credit card and buy clothes.
00:42:10.000 You know, for the new party, the new event happening. 1.00
00:42:13.000 I'm like, damn, nigga. 1.00
00:42:14.000 He's like, yeah, bro, I'm in hell with that. 1.00
00:42:16.000 I'm like, why do you keep doing it?
00:42:17.000 Oh, I need to look fresh.
00:42:18.000 Nigga, I'm fresh and I'm still right now. 1.00
00:42:20.000 Stupid. 1.00
00:42:21.000 That's terrible, but it's because the trends are always changing and he wants to be in the new. 1.00
00:42:25.000 But again, that's bad etiquette towards credit because it's being used wrongly.
00:42:29.000 Yeah.
00:42:29.000 No, absolutely, man.
00:42:31.000 So, guys, you have to be very careful with that shit and know what's going on. 0.99
00:42:35.000 Okay, what's up next? 1.00
00:42:38.000 Oh yeah, we're on this.
00:42:39.000 Oh no, we can keep this.
00:42:40.000 Okay, let's see what else they got here.
00:42:41.000 Because this card is always updating because it's so popular.
00:42:44.000 I'm surprised they haven't nerfed this card yet, bro.
00:42:47.000 Earn 5% total cash back on select city travel bookings.
00:42:51.000 Cash back is earned in the form of thank you points.
00:42:53.000 Okay, I've never heard of that one.
00:42:54.000 That's new.
00:42:55.000 Redeem as direct deposit.
00:42:59.000 Okay, so you can go ahead and get that money back as a direct deposit.
00:43:02.000 You can redeem as a statement credit.
00:43:03.000 Redeem as a check by mail.
00:43:05.000 Low intro APR.
00:43:08.000 Enjoy no annual fee and zero intro APR for 18 months on balance transfers only after that, the variable APR.
00:43:14.000 So, okay, so you don't get a 0% intro APR.
00:43:16.000 It's only on balance transfers.
00:43:20.000 Let's see here.
00:43:21.000 Anything else?
00:43:21.000 I used to wonder why people used to get redeemed by check.
00:43:25.000 I'm like, why would you get redeemed by check?
00:43:26.000 But then I realized if your account was overdraft, you don't want to go into your account.
00:43:31.000 Oh, yeah.
00:43:31.000 That's crazy, bro.
00:43:32.000 Yeah, yeah, yeah.
00:43:33.000 Actually, yeah. 0.83
00:43:34.000 Crazy.
00:43:35.000 Okay, so low intro APR on transfers only.
00:43:37.000 So, yeah, I remember this used to have a period of zero intro APR for the first year, but they probably nerfed it because this card is so popular.
00:43:45.000 Yes, for good reason.
00:43:47.000 It's too overpowered.
00:43:47.000 Yeah, yeah.
00:43:48.000 Let's see here.
00:43:49.000 Scroll down real quick.
00:43:50.000 2OP.
00:43:51.000 Start earning cash back right now.
00:43:53.000 Anything else?
00:43:54.000 Okay.
00:43:55.000 So, honestly, bro, the Wells Fargo is better than this one right now.
00:43:57.000 It is.
00:43:58.000 The Wells Fargo is better right now.
00:43:59.000 Yeah, it is on top.
00:44:00.000 Yeah, so it actually beat out the CityCat.
00:44:02.000 I never thought I'd see the day.
00:44:04.000 Alright, what's up next?
00:44:05.000 What's next one?
00:44:07.000 Okay, for all my Canadian niggas, this is the first time you guys did something right. 0.99
00:44:10.000 TD Double Up credit card, alright?
00:44:10.000 TD.
00:44:12.000 Earn unlimited 2% cash back on all eligible purchases, no rotating spend categories, no caps, no limits.
00:44:17.000 Plus get two special introductory offers.
00:44:19.000 So basically you get a bonus cashback, get 200% cashback in the form of a statement credit when you spend $1,500 within the first 90 days after account spending.
00:44:28.000 And then balance transfer, 0% introductory APR balance transfer for the first 15 billing cycles after account opening.
00:44:34.000 After that, blah, blah, blah.
00:44:36.000 So is it for balance transfers only?
00:44:38.000 Yeah, it looks like this one's only for balance transfers.
00:44:42.000 Okay.
00:44:43.000 And then you get 2% cash back, no annual fee as well on this one.
00:44:48.000 No rotating spending categories either.
00:44:49.000 Which is good.
00:44:50.000 Now rotating spend categories, guys, this could be good if you spend your money on a wide range of things.
00:44:56.000 Like restaurants, gas, groceries.
00:44:58.000 Yeah, which don't worry, we got you on it because we got specific cash back cards as well on this list.
00:45:04.000 Let's see here, what else?
00:45:06.000 And then the regular. 1.00
00:45:07.000 And then the regular bullshit. 1.00
00:45:08.000 Scroll up real quick, Bills, for me. 1.00
00:45:11.000 Visa benefits, yep.
00:45:12.000 Like, self-arm protection.
00:45:14.000 Okay, that's good.
00:45:15.000 I didn't know that.
00:45:16.000 No rotating spending categories, no annual fee.
00:45:19.000 So, basically, another, you know, very basic 2% cash-back card.
00:45:24.000 Also, another reason why this is good, for all you guys that got a TD Bank account, this might be a card that you want to get.
00:45:29.000 And then also, it's a Visa card.
00:45:30.000 Guys, Visa and MasterCard are the two master races, to be honest with y 'all.
00:45:35.000 Like as much as I like Amex, I understand the fact that like Amex is not accepted a lot of places or. 0.94
00:45:41.000 They give you a fucking extra service charge for using Amex.
00:45:45.000 A lot of places are like that because the transaction fees for Amex are really high. 0.98
00:45:49.000 So what the merchant will do sometimes to offset the cost is they'll charge you more or say you gotta have a minimum spend for it. 0.98
00:45:56.000 Which is bullshit. 0.54
00:45:58.000 But that's one of the problems you have to deal with when you have Amex. 0.98
00:46:00.000 And in some places, just don't take Amex or Discover.
00:46:02.000 I was in Paris.
00:46:03.000 They didn't take a lot of Amex.
00:46:04.000 I used my Visa.
00:46:06.000 You had to use your Visa, right?
00:46:07.000 Especially internationally.
00:46:07.000 Yeah.
00:46:08.000 Internationally, bro, you better have a MasterCard or a Visa.
00:46:10.000 I tell everyone to have at least one good Visa.
00:46:13.000 Have at least one good MasterCard.
00:46:14.000 Have at least one Amex.
00:46:16.000 And if you want, you can have a Discover.
00:46:18.000 I'll be honest with you. 0.99
00:46:18.000 I think Discover's trash. 0.99
00:46:19.000 but I don't have any Discover cards. 0.90
00:46:22.000 Discover has the best beginner credit cards by far.
00:46:25.000 Discover has the best beginner credit cards.
00:46:28.000 Discover it, the secured and the unsecured.
00:46:31.000 So it's a really good way to get your foot in the door.
00:46:33.000 But the problem with Discover is that it's not widely accepted like MasterCard and Visa.
00:46:38.000 But they got really good beginner cards.
00:46:38.000 So get Visa.
00:46:40.000 It's better.
00:46:40.000 It was my gateway.
00:46:41.000 Yeah, it was...
00:46:43.000 Oh, yeah, Mo, tell them real quick about... 0.96
00:46:48.000 How did you build your credit up with that?
00:46:48.000 The Discover card.
00:46:50.000 Can you kind of take them through that?
00:46:51.000 Well, one, I had to really seriously budget, and I made sure everything that I was paying for, I used my Discover It, and I utilized the cashback feature.
00:47:01.000 And every couple of months, they have, like, certain things.
00:47:05.000 Maybe, like, a set of three months, it'll be, like, grocery stores.
00:47:09.000 Another set of three months, it'll be, like, restaurants.
00:47:11.000 Yes, I know, Big Mo restaurants.
00:47:12.000 Ha, ha, ha.
00:47:13.000 Yeah, I know.
00:47:14.000 And another time, it was going to be back to grocery stores, or another time, it was going to be gas stations.
00:47:19.000 I always make sure I pay good attention.
00:47:21.000 To the Discover It rewards of when they give extra cash back.
00:47:25.000 Everything's clean.
00:47:26.000 I said gas stations, though.
00:47:30.000 Alright, I said everything's clean.
00:47:32.000 Good stuff, man.
00:47:34.000 and stuff.
00:47:34.000 But yes, it is trash on the long run, Yes.
00:47:40.000 And it was the only one that actually took me in with my low credit score.
00:47:45.000 What was your credit score at the time?
00:47:47.000 It was like five, And then with the Discover It, so you had it for, how long did you have it before you transitioned it from unsecured to secured?
00:47:59.000 I know I had it.
00:48:00.000 It was still within the same year of 2021.
00:48:02.000 It was maybe six months.
00:48:06.000 Okay, six months to transition from unsecured to secured.
00:48:08.000 Yes.
00:48:09.000 Sorry, from secured to unsecured.
00:48:10.000 Yes.
00:48:10.000 And then what did your credit score shoot up to after that six months?
00:48:13.000 It was shooting up to...
00:48:16.000 upper 600 like I shot up Yeah.
00:48:24.000 Because my eating habits did change for obvious reasons.
00:48:27.000 Okay, so you saved money.
00:48:28.000 Yes.
00:48:28.000 And that helped you with bringing down your debt.
00:48:30.000 Okay.
00:48:30.000 Yes.
00:48:31.000 And I made sure that everything that I was buying, I paid it right away.
00:48:36.000 Okay.
00:48:37.000 And I made sure it was paid off right away, as soon as possible, and bringing the usage as low as possible.
00:48:44.000 Yeah.
00:48:44.000 That's a card that we've been telling you guys to use for years, the Discover It card.
00:48:48.000 As much as Discover sucks, they got really good beginner cards.
00:48:51.000 So there you go.
00:48:52.000 There's Mo's success story where he took the Discover It secured, which is basically you got to put money on it.
00:48:57.000 Then after that, you transition it to an unsecured, which it basically becomes a credit card.
00:49:01.000 And you can use that to artificially kind of bring up your credit score.
00:49:04.000 And then from there, you're able to get other credit cards?
00:49:06.000 Yes, I got my, well, I don't know if I might spoil That's my favorite.
00:49:17.000 I put you on to that one.
00:49:18.000 Yes, you did.
00:49:19.000 That's a good travel credit card, guys.
00:49:20.000 When we do travel credit cards, that will be on there.
00:49:23.000 I was actually sitting, watching, well, working, when you was talking about the venture.
00:49:30.000 It's a very good travel credit card, man.
00:49:30.000 So that's what I got.
00:49:32.000 And my other favorite is the Prime.
00:49:36.000 The Amazon Prime.
00:49:37.000 The Amazon Prime?
00:49:37.000 Oh, yeah.
00:49:38.000 We're going to talk about the Prime on this one.
00:49:39.000 That's why I was like, I was worried that I was going to spoil.
00:49:42.000 No, no, you're good.
00:49:43.000 You're good.
00:49:44.000 So, alright, there you go.
00:49:45.000 So, guys, for anyone that's a beginner, discover it.
00:49:47.000 And then the pedal one is also a really good one for beginners.
00:49:51.000 Can we get those tabs for those two just for the end of the show and we'll show it to them?
00:49:54.000 Just so they have a visual.
00:49:56.000 And then what else do we have here?
00:49:57.000 What's the next one?
00:49:58.000 Yeah, what's the next card?
00:49:59.000 The pedal and the...
00:50:02.000 Discover it.
00:50:03.000 Yeah, we'll have those ready.
00:50:04.000 Okay, so.
00:50:06.000 So, we got the Blue Cash Everyday card.
00:50:08.000 This is a good Amex card.
00:50:09.000 So, you get $200 back when you spend $2,000 purchases on your new card within the first six months of card membership.
00:50:14.000 You will receive a $200 back in the form of a statement credit.
00:50:17.000 So, as you guys can see here, they pay you back in different ways.
00:50:20.000 Sometimes it's a statement credit, sometimes it's cash, sometimes it's direct deposit, depends on the card.
00:50:24.000 0% intro APR for, let's go real quick, up, up, on purchases and balances.
00:50:30.000 15 months.
00:50:30.000 For 15 months from the date of account opening.
00:50:33.000 So, this one is for balance transfers only.
00:50:35.000 And then this one shows you get 3% cash back on groceries, 3% on US online retail purchases, and 3% on gas.
00:50:44.000 And then 1% on other purchases. 0.97
00:50:46.000 So remember how I told you guys, you don't want a fucking credit card that gives you 1% ever? 0.94
00:50:50.000 So with a card like this, if it gives you Because now you're getting 3% cash back, so maybe a 2% flat rate won't be as good as this card, right? 0.96
00:51:07.000 Especially if you spend a bulk of your money on gas and retail purchases and groceries, which for most Americans, this is where the majority of their money goes anyway, right?
00:51:16.000 Outside of rent.
00:51:17.000 Which, don't worry, we got a rent card for you guys as well.
00:51:19.000 There's a cap, but it's still...
00:51:21.000 Yeah, $6,000 per year, right?
00:51:23.000 Yeah.
00:51:23.000 That's only a negative on this one.
00:51:25.000 But they know you could easily run it up on this shit. 1.00
00:51:28.000 Of course. 0.99
00:51:28.000 That's why they're like $6,000 per year. 0.99
00:51:30.000 I'll pay for a gas nigga here. 1.00
00:51:32.000 Here we go. 1.00
00:51:33.000 So yeah, you could definitely run this shit up. 0.99
00:51:35.000 So scroll down. 0.99
00:51:38.000 Yeah, bundle credit, cashback at Amazon.com.
00:51:42.000 Check out.
00:51:43.000 We got the Amazon card for y 'all on this.
00:51:43.000 Don't worry, guys.
00:51:46.000 If you're going to do Amazon, there's a specific card for Amazon.
00:51:50.000 Send in split. 0.87
00:51:52.000 Oh, yeah, yeah, with Venmo and shit like that, okay. 0.85
00:51:57.000 So yeah, so this is a good- That's a lot of perks. 0.51
00:51:59.000 Yeah, this is a good cashback perk card.
00:52:03.000 Also, the other good thing, too, is Amex has really good customer service, guys.
00:52:07.000 Amazingly good.
00:52:08.000 Yeah, the only thing that sucks is you're probably gonna get on the line with Ajit.
00:52:11.000 But other than that, you know, they're pretty good.
00:52:14.000 I will say, though, for people that do want to flex, having an Amex card is a flex.
00:52:19.000 Yeah, I don't know about this one, though.
00:52:20.000 I don't think this one's a medal.
00:52:21.000 No, it's not.
00:52:22.000 But no annual fee as well.
00:52:24.000 So that's good.
00:52:25.000 So this is a good card, guys.
00:52:27.000 Now we're starting to get into the cards that give you benefits in certain areas.
00:52:33.000 Yeah, I would argue that Amex has a lot of perks versus other cards that don't have that many perks for you with the points as well.
00:52:40.000 Yeah.
00:52:41.000 Good to have.
00:52:41.000 All right, what's up next?
00:52:47.000 Yeah, but having that platinum or gold card is nice.
00:52:50.000 Yeah.
00:52:51.000 Nice.
00:52:51.000 Oh, and then let's also get on the list of bills.
00:52:53.000 I forgot to put it.
00:52:56.000 The Amazon Prime credit card.
00:52:58.000 So, U.S. Bank is the next one.
00:53:01.000 This one is a cashback card from U.S. Bank.
00:53:03.000 Yeah. 0.98
00:53:04.000 So, this one is really fucking good. 0.85
00:53:06.000 Your favorite stores, plus $250 bonus. 0.96
00:53:10.000 60% cashback on what?
00:53:12.000 Yeah.
00:53:14.000 So on your first $1,500 in combined eligible purchases each quarter with two retailers you choose.
00:53:19.000 Pretty good.
00:53:19.000 So let's say you go to Walmart or Target all the time, you can pick it.
00:53:23.000 That's pretty good.
00:53:24.000 So we gave you guys the three best flat 2% cash back cards.
00:53:29.000 Now we're starting to get into the category cards.
00:53:31.000 And the American Express one, a bit more broad.
00:53:37.000 This one you can actually really zero in on certain stores that you want.
00:53:41.000 It's more technical, but once you understand the actual nuances, it's a really big W for you.
00:53:47.000 Yeah.
00:53:48.000 So with this card, 6% cash back is crazy at your favorite stores plus a $250 bonus.
00:53:53.000 So you spend $2,000 within the first 120 days and you can get that $250 cash back.
00:53:58.000 And then you get $1.5 on all other eligible purchases and then 3% cash back.
00:54:03.000 On your first 1,500 ineligible purchases on your choice of one everyday category like wholesale, clubs, gas, and EV charging stations.
00:54:12.000 So you get to pick as well.
00:54:13.000 And then for the first year, low annual fee.
00:54:17.000 So it's $95.
00:54:18.000 Now we're starting to get into annual fees because cards like this are really good, so they charge you.
00:54:23.000 But all the other cards we showed you guys have no annual fee.
00:54:25.000 What else here?
00:54:26.000 Earn more cash back.
00:54:27.000 Rewards on prepaid travel.
00:54:28.000 Oh, wow.
00:54:29.000 That's another one.
00:54:30.000 So earn 5.5 cash back on hotel and car reservations booked directly with rewards.
00:54:33.000 So you get 5.5 on using that to book your stuff.
00:54:36.000 Pay overtime with U.S. Bank extended pay.
00:54:39.000 Receive a new card member.
00:54:40.000 Zero fee offer on extended pay.
00:54:41.000 Plans open in the first few days after an account.
00:54:44.000 That's pretty good.
00:54:45.000 Basically gives you more time.
00:54:48.000 And let's see here.
00:54:50.000 Yeah.
00:54:51.000 Oh, Ace Hardware, Apple.
00:54:52.000 Okay.
00:54:53.000 Yeah.
00:54:53.000 6% cash back at two retailers you choose.
00:54:55.000 So you can pick two of these places.
00:54:57.000 You know, really, really run it up.
00:54:59.000 The Apple Card is really good, too.
00:55:00.000 The albacar is really good, actually.
00:55:04.000 I have an Apple Card.
00:55:05.000 I use that one.
00:55:08.000 That one could work pretty well, depending.
00:55:09.000 It's more of a niche card, but that one works, too.
00:55:13.000 Hmm.
00:55:14.000 All right.
00:55:16.000 Not bad.
00:55:17.000 Yeah, and see how it compares to the other cards?
00:55:22.000 Yeah.
00:55:22.000 Yeah, sometimes, yeah, in some instances.
00:55:26.000 So this is a good card, too.
00:55:26.000 Yeah.
00:55:28.000 A bit more niche, but you can, you know, run it up on this one as well.
00:55:31.000 There is an annual fee on it, though. 0.98
00:55:37.000 I'm telling you guys, we're giving you guys the most up-to-date shit. 0.98
00:55:39.000 Like, Bill's literally just logged into it this morning. 0.97
00:55:41.000 It's not this morning.
00:55:42.000 Excuse me.
00:55:43.000 Just now, before we started the stream.
00:55:44.000 And they're already saying, oh, yeah, we gotta, you know, do whatever.
00:55:48.000 So we're gonna refresh it and open it back up for you guys.
00:55:50.000 I think this is gonna be the Amex Cash Preferred or something.
00:55:54.000 Blue cash.
00:55:55.000 Yeah, okay.
00:55:56.000 So, this one is a good card, guys.
00:55:59.000 This one, basically, you get 250 back after you spend 3,000 purchases on your first new card within the first six months of card membership.
00:56:04.000 You receive 250 cash back in the form of statement credit.
00:56:08.000 Amex usually does statement credits, by the way, guys.
00:56:10.000 This is kind of their thing.
00:56:12.000 You get 6%.
00:56:13.000 On groceries, up to $6,000 per year.
00:56:15.000 6% on select streaming subscriptions.
00:56:17.000 So you got Netflix or whatever, you got 6% cash back on that.
00:56:19.000 Hulu.
00:56:20.000 3% on transit.
00:56:21.000 So the taxis, rideshare, parking.
00:56:24.000 Rideshare is going to be like an Uber or Lyft.
00:56:26.000 Nice.
00:56:27.000 Tolls, trains, buses, and more.
00:56:28.000 So if you commute quite a bit and use transportation, public transportation, that's a good way Uber does add up.
00:56:34.000 and then 3% cash back on gas, and then 1% on other purchases.
00:56:37.000 So again, here's another example of a card that gives you 1% flat on everything, Right?
00:56:48.000 And then also it gives you benefits with, look, you got the Disney bundle and all this other shit, just like the other one.
00:56:52.000 Pretty similar.
00:56:53.000 So this one is a more powerful of the other Amex card.
00:56:58.000 This is like a more premium version of it.
00:57:00.000 Yeah.
00:57:01.000 Guys.
00:57:01.000 Because I think the other one was only 3%.
00:57:02.000 This one is double.
00:57:04.000 6%.
00:57:04.000 So this one's 6% on everything.
00:57:06.000 Wow.
00:57:06.000 So this one probably has annual fee.
00:57:07.000 And I was about to say...
00:57:11.000 $95 for the first year?
00:57:12.000 Yeah, see?
00:57:13.000 Top left.
00:57:14.000 Okay.
00:57:15.000 Yeah, it's too good to be true for free.
00:57:17.000 Okay, so the first year free, and then $95 after that.
00:57:22.000 That's where they get you.
00:57:23.000 Which is common, yeah.
00:57:23.000 But it's worth it because...
00:57:26.000 That's a lot.
00:57:27.000 So this one's a bit more...
00:57:32.000 Alright, what's up next?
00:57:33.000 And then we'll show you guys two niche cards with...
00:57:43.000 I know some of you guys might be Apple fans.
00:57:45.000 And then the Amazon card.
00:57:46.000 And then the Amazon card.
00:57:51.000 That's a lot of cards you guys can choose from, though.
00:57:53.000 Yeah.
00:57:53.000 So you got a lot of options to choose from.
00:57:55.000 I think right now that Wells Fargo seems to be the best one.
00:57:57.000 Dude, by far.
00:57:58.000 For a 2% cash back.
00:57:59.000 Zero annual fee.
00:58:00.000 And you get a $200 thing.
00:58:02.000 Bro, they're going to nerf that card.
00:58:04.000 They're 100% going to nerf that card soon.
00:58:06.000 So you guys might as well get in now.
00:58:09.000 Okay, Apple Car, here we have it.
00:58:10.000 Okay, so this is the Apple Car.
00:58:12.000 This car's been out forever.
00:58:13.000 Let me see how much they've nerfed it.
00:58:16.000 Let's see.
00:58:17.000 No fees.
00:58:18.000 Okay, no annual fees, no late fees, no foreign transaction fees, no fees, really.
00:58:21.000 That's good.
00:58:22.000 Okay, daily cash back, unlimited, 3% cash back on every purchase you make.
00:58:26.000 It's real cash.
00:58:28.000 But here's the thing.
00:58:29.000 I think you have to use Apple Pay.
00:58:31.000 Oh, really?
00:58:32.000 I think you have to use Apple Pay to get that.
00:58:34.000 They say up to 3% cash back.
00:58:36.000 So if I'm not mistaken, unless they changed it, it's 1% or 1.5% on all purchases if you use the card.
00:58:45.000 So if you use the actual card, if you use Apple Pay, it's 2%.
00:58:48.000 And then if you buy at an Apple store, it's like 3% to 5%.
00:58:52.000 Let's go back, though.
00:58:54.000 Let's look.
00:58:55.000 No points, no gimmicks.
00:58:55.000 Let's see here.
00:58:56.000 Oh, here we go.
00:58:58.000 So on everything you buy from Apple and select merges like Nike and Walgreens when you use Apple Card with Apple Pay.
00:58:58.000 Okay.
00:59:03.000 Okay, so 3% on.
00:59:05.000 You gotta use Apple Pay.
00:59:06.000 That's so weird.
00:59:07.000 Yeah, this is a very good card for your Apple wallet.
00:59:11.000 Yeah.
00:59:12.000 But it's a metal card.
00:59:13.000 And then every time you pay with Apple Card using Apple Pay, you get 2%.
00:59:16.000 Okay.
00:59:17.000 Every time you pay with Apple Card using Apple Pay.
00:59:19.000 And then 1% all purchases were Apple...
00:59:19.000 Okay.
00:59:24.000 Apple is accepted?
00:59:25.000 Yeah, isn't.
00:59:26.000 Isn't accepted.
00:59:27.000 Oh, it's not accepted.
00:59:29.000 Okay, yeah.
00:59:30.000 And you know how you do that?
00:59:31.000 You have to use, you can ask The physical card is nice.
00:59:38.000 I ain't gonna lie.
00:59:39.000 It's a Flex.
00:59:39.000 It's just blank white.
00:59:41.000 Nothing on it.
00:59:42.000 It's just blank white.
00:59:44.000 So it does look good, but you have to request it.
00:59:44.000 And it's metal.
00:59:47.000 That is where you get the 1%.
00:59:48.000 But where Apple Pay really shows, guys, and I'll actually show it to you guys.
00:59:51.000 I'll show you guys.
00:59:54.000 So you open up your wallet, right?
00:59:58.000 Right?
00:59:59.000 You open up your wallet like this.
01:00:01.000 And it shows you, it color codes how you're spending your money.
01:00:04.000 Right?
01:00:05.000 So, um...
01:00:08.000 Look at this.
01:00:09.000 So, I got a warning, right?
01:00:11.000 About some unusual activity.
01:00:13.000 So, boom, I can check that and double check if it's, you know, What's that show?
01:00:23.000 It's color-coded.
01:00:24.000 Orange is... 1.00
01:00:31.000 So it shows you all that shit, guys, right? 1.00
01:00:33.000 And then you can pay, right? 1.00
01:00:35.000 It shows you your current balance.
01:00:37.000 So for me, it's like $291 or whatever.
01:00:38.000 And I can pay it.
01:00:40.000 And then you can choose how much you want to pay, right?
01:00:43.000 So if I go ahead and I click here, pay to whatever, 211.
01:00:47.000 You just click the button.
01:00:52.000 I go 211.
01:00:54.000 Double check.
01:00:55.000 Boom.
01:00:57.000 Right?
01:00:58.000 And then you pay it, and then it's done.
01:01:02.000 And then you have it like this.
01:01:04.000 And then the other good thing about this thing is it shows all your transactions right there.
01:01:10.000 Right?
01:01:11.000 So that's good.
01:01:13.000 Yeah, Chipotle?
01:01:14.000 Yeah, you know it, bro.
01:01:16.000 Chipotle and Instacart, man.
01:01:17.000 And 7-Eleven.
01:01:18.000 That's where you live, bro. 1.00
01:01:19.000 Yeah, it's the same shit. 1.00
01:01:20.000 Chipotle and core power. 1.00
01:01:22.000 Yeah, it's the same shit all the time, bro. 1.00
01:01:24.000 Chipotle, fucking Instacart. 1.00
01:01:27.000 Yeah. 1.00
01:01:28.000 Uber Eats, like, same shit. 1.00
01:01:31.000 The spending habits. 1.00
01:01:32.000 Yeah, that's the game, man.
01:01:34.000 You gotta do it.
01:01:35.000 You don't wanna see mine.
01:01:36.000 I wanna see pressure.
01:01:37.000 Nah, nah, nah, nah, nah.
01:01:39.000 And then here, also, guys, if you see, right?
01:01:41.000 You click this little button here, and it'll give you your credit card information number and stuff like that.
01:01:46.000 You click there, it does a face ID, and it shows it to you.
01:01:48.000 So it's all here on one thing.
01:01:50.000 So that's where the Apple Card is good, is that it's good for Apple Pay, and you can look at everything right there on your Apple Wallet.
01:01:57.000 Okay?
01:01:58.000 So it's good. 0.99
01:01:59.000 And then depending on the color, it shows how you spend your money and shit like that. 0.91
01:02:02.000 So it's good for tracking.
01:02:04.000 If you're really trying to figure out your spending habits and all this stuff, it's good.
01:02:09.000 Oh, my Zolo B's. 0.91
01:02:10.000 Uber Eats?
01:02:11.000 But I don't use, yeah.
01:02:13.000 There you go.
01:02:14.000 And then you get, and then you get, and then it gets put into your, like, your Apple Cash.
01:02:19.000 Right?
01:02:20.000 So, like, look.
01:02:20.000 Now, all my rewards are there on this card, and you can see all the money that you earned from your Apple Card.
01:02:28.000 Right?
01:02:28.000 So your Apple Card gives you the money back, and then it goes into this, which you have Apple Cash, and you have a balance.
01:02:33.000 Nice.
01:02:33.000 Right?
01:02:34.000 So...
01:02:41.000 Now, if you buy a lot of Apple products, it's good for that as well.
01:02:44.000 Because I think you get 3% to 5% cash back if you spend it at the Apple store. 0.93
01:02:49.000 And then also the Nike store and shit like that too. 0.99
01:02:51.000 And this case is completely fucking cooked. 0.99
01:02:53.000 Holy. 0.99
01:02:54.000 Anyway. 1.00
01:02:55.000 Damn. 1.00
01:02:56.000 Damn, nigga. 1.00
01:02:56.000 Yeah, that shit broke it. 1.00
01:02:57.000 I gotta get a new one. 0.99
01:02:58.000 Here's the best part.
01:03:00.000 Hold on.
01:03:01.000 Apple card at Apple.
01:03:02.000 3% back.
01:03:03.000 There you go.
01:03:04.000 Apple Pay.
01:03:05.000 Let's go, baby.
01:03:06.000 More money.
01:03:07.000 More money.
01:03:09.000 Learning in style.
01:03:10.000 That card for to get a new color.
01:03:14.000 So, anyway.
01:03:15.000 Any chat skills?
01:03:19.000 Pedal?
01:03:20.000 Oh, yeah, yeah.
01:03:21.000 Okay, so now we're going into the...
01:03:23.000 Before we get into the beginner cards again, let's do the Amazon card.
01:03:27.000 Amazon Prime card, yeah.
01:03:31.000 Again, I want to be clear, though, guys.
01:03:31.000 So, yeah.
01:03:33.000 The Apple card is not really a good cashback card, but it's a good niche card.
01:03:38.000 Like if you like to use Apple Pay, It's a flex.
01:03:42.000 Unless you get the physical card.
01:03:44.000 If you get the physical card, then it's a flex. 0.99
01:03:45.000 But you get 1% on that shit. 1.00
01:03:47.000 Yeah, that shit's L, bro. 1.00
01:03:48.000 So you buy Rolls Royce, 2014, like, I got a Rolls Royce. 1.00
01:03:52.000 That shit trash. 1.00
01:03:52.000 It's an L, bro. 1.00
01:03:53.000 1% just a flex.
01:03:54.000 Apple Card, bro, be honest with y 'all, only if you buy a lot of Apple products and you want to use your phone to do things with Apple Pay, that's the only way.
01:04:00.000 Or if you want to track your spending and shit like that, it's really good for that. 0.75
01:04:03.000 It shows you charts and all that shit on the phone. 0.95
01:04:05.000 That's where Apple Pay, the Apple Card, makes sense. 0.97
01:04:08.000 If you don't care about none of that, bro, don't get it.
01:04:12.000 I got it just because I remember I was buying a laptop and back then you got 5% cash back so I got the card to get the laptop.
01:04:18.000 Where's your laptop now?
01:04:20.000 The one I have.
01:04:21.000 The one we did the show with.
01:04:23.000 That laptop, I bought it with...
01:04:27.000 Remember when Chris used to run it with the laptop?
01:04:29.000 That was it.
01:04:30.000 I miss Chris, man.
01:04:31.000 Oh, that's right.
01:04:31.000 Where is he?
01:04:32.000 Not here.
01:04:34.000 Hey! 0.99
01:04:35.000 He should be here.
01:04:36.000 Should he hear me?
01:04:36.000 It's 9.30.
01:04:38.000 Shouldn't he be here?
01:04:39.000 No comment.
01:04:39.000 Just saying.
01:04:40.000 Alright, we can go for it.
01:04:41.000 Amazon card, let's go! 0.75
01:04:44.000 Yo, this nigga, bro. 1.00
01:04:45.000 This is my favorite card, actually.
01:04:46.000 Here we go.
01:04:47.000 Prime Amazon cashback card.
01:04:47.000 Favorite card.
01:04:51.000 Yeah.
01:04:52.000 So no annual credit card fee plus no foreign transaction fees.
01:04:55.000 You get $150 credit Amazon gift card instantly upon arrival with an eligible Prime membership.
01:05:00.000 W. Okay. 0.97
01:05:02.000 Damn, I gotta be a Prime member again? 0.99
01:05:03.000 Yeah, Prime member, brother. 1.00
01:05:04.000 Hell yeah.
01:05:05.000 It'll be Prime.
01:05:05.000 Prime only.
01:05:07.000 Okay, we got Amazon.com, 3% Unlimited, 3% Amazon Fresh Online, Whole Food Market, 3% as well, Chase Travel, 3%, yeah!
01:05:16.000 Now, I'll say this, bro.
01:05:18.000 If you make more than, what, two Amazon purchases a year?
01:05:20.000 Yeah.
01:05:21.000 They should probably have this card, you would say? 1.00
01:05:23.000 Shit, even when... 1.00
01:05:26.000 Two to five. 1.00
01:05:27.000 Yeah, because...
01:05:31.000 Very heavy.
01:05:31.000 It is.
01:05:32.000 You have it, right?
01:05:33.000 Yeah.
01:05:33.000 Do you have one?
01:05:34.000 Would you?
01:05:34.000 Yes.
01:05:34.000 Yes.
01:05:35.000 Can you show them what it looks like real quick?
01:05:36.000 Don't dox yourself.
01:05:37.000 Yeah, don't dox yourself, obviously.
01:05:38.000 Don't show them the back.
01:05:39.000 Show them just the front. 0.82
01:05:40.000 Nigga, what have you been ordering on Amazon? 1.00
01:05:41.000 Bro.
01:05:42.000 Well, everybody's Amazon, bro.
01:05:45.000 Amazon.
01:05:46.000 And especially Whole Foods.
01:05:49.000 Yo, I get so much points off of Whole Foods.
01:05:51.000 Okay.
01:05:52.000 They're expensive, bro. 0.99
01:05:53.000 Holy crap. 0.99
01:05:54.000 They buff my life. 0.96
01:05:55.000 After Amazon bought them, they brought the prices down a bit.
01:05:58.000 They used to be bad, though. 0.99
01:06:00.000 Super trash. 1.00
01:06:00.000 That shit used to be. 1.00
01:06:01.000 I'll go to Trader Joe's. 1.00
01:06:03.000 If I go.
01:06:04.000 Send that home to go do it for me.
01:06:05.000 The one in Midtown?
01:06:06.000 Yeah.
01:06:07.000 We just opened one here.
01:06:07.000 Oh, yeah.
01:06:09.000 Oh, here?
01:06:10.000 No, I mean like Miami didn't have a Trader Joe's for a minute.
01:06:12.000 Oh, yeah.
01:06:13.000 Not one close, at least in the city.
01:06:15.000 You know why I go there?
01:06:16.000 There you go.
01:06:16.000 That's what it looks like, guys.
01:06:17.000 It's a metal card.
01:06:20.000 That thing, it's my second heaviest next adventure.
01:06:24.000 A good card, bro.
01:06:26.000 What's the perks on it?
01:06:26.000 Let's look.
01:06:27.000 Pull it up real quick.
01:06:29.000 Again, a niche card, yeah.
01:06:32.000 So Amazon earned 3% cash back on your Amazon.com purchase or 5% cash back with an eligible Prime membership.
01:06:38.000 So if you got a Prime membership, guys, you're getting like the double whammy.
01:06:41.000 Then you got Amazon Fresh earned 3% back at Amazon Fresh online or in store.
01:06:45.000 What is this?
01:06:45.000 Is this like a delivery ship?
01:06:47.000 Yes.
01:06:47.000 Amazon Fresh?
01:06:48.000 Amazon Fresh.
01:06:48.000 What is that?
01:06:49.000 It's basically if you don't want to keep going to the grocery store.
01:06:53.000 It's their own Uber grocery store.
01:06:57.000 Uber Eats grocery store.
01:06:58.000 Oh, it's like Instacart.
01:06:59.000 Yes.
01:07:00.000 And then you got Whole Foods basically earn a limited 3% back online or in-store at the Whole Foods market or 5% with the eligible Prime membership.
01:07:09.000 That could add up. 0.96
01:07:11.000 If you only shop at Whole Foods, because I know a lot of you niggas are on some worldly type shit, you can go ahead and go to Whole Foods. 1.00
01:07:16.000 It's organic! 0.99
01:07:17.000 Yeah.
01:07:18.000 I'll say this, though.
01:07:19.000 They got Whole Foods in your neighborhood?
01:07:21.000 It's a good neighborhood.
01:07:22.000 It should be.
01:07:24.000 It's true.
01:07:25.000 That's what I'm telling you.
01:07:28.000 They don't go in the hood, bro.
01:07:29.000 They stay far from the hood.
01:07:30.000 Why don't you start seeing Chipolets and Starbucks in Whole Foods?
01:07:32.000 You see an Aldi?
01:07:33.000 Hey, man.
01:07:34.000 Run for the hills.
01:07:34.000 You see an Aldi?
01:07:35.000 You gotta run, bro.
01:07:36.000 Yeah, you gotta leave, right?
01:07:37.000 It's an L, bro.
01:07:39.000 Oh, my God.
01:07:39.000 I'll be out of there.
01:07:40.000 Chase Travel earned 3% back on Chase Travel purchases or 5% back with eligible Prime membership.
01:07:45.000 Gas station 2% cash back.
01:07:47.000 Restaurants earn unlimited 2% cash back at restaurants, whether you dine in or take out.
01:07:51.000 Local transit, commuting. 0.99
01:07:52.000 Damn, this is a good-ass card, bro. 0.99
01:07:53.000 I told you it's my favorite card. 0.99
01:07:55.000 Yeah, and then 1% back on everything else.
01:07:56.000 So, bro, you could use this as an everyday card.
01:07:59.000 Not bad at all.
01:08:00.000 It makes the most sense if you got a Prime membership.
01:08:03.000 Prime membership.
01:08:04.000 I'm not going to do 2%.
01:08:05.000 Gas station's unlimited is crazy, bro. 1.00
01:08:08.000 Damn. 1.00
01:08:09.000 I've purchased Because of this card. 1.00
01:08:18.000 Yeah. 0.97
01:08:19.000 Yeah, I've gotten shit for free off Amazon because of this card. 0.78
01:08:22.000 So, yeah, guys. 0.95
01:08:23.000 I mean, if you've got Amazon Prime, this is a no-brainer, chat.
01:08:25.000 I'll be honest with y 'all.
01:08:26.000 You heard about the Amazon scam?
01:08:28.000 What?
01:08:29.000 So, don't ask how I know this, right?
01:08:32.000 I heard through the grapevine.
01:08:34.000 Did she be in Miami?
01:08:36.000 With the duet?
01:08:37.000 No, but there was this girl that I knew.
01:08:40.000 That I knew.
01:08:42.000 Allegedly.
01:08:42.000 That's the point that I knew.
01:08:43.000 And she would buy on Amazon with the card, get the points, and then she would claim the item as never found or never acquired.
01:08:53.000 Or she would say it was damaged.
01:08:55.000 And then she would turn it and get the points. 1.00
01:08:57.000 Oh, that's fucked up. 0.99
01:08:58.000 That's fucked up, though. 0.99
01:08:59.000 But hold on. 1.00
01:09:00.000 She got points and free shit. 0.99
01:09:03.000 Is it what I think? 1.00
01:09:04.000 She wasn't black. 0.99
01:09:06.000 Hispanic? 0.74
01:09:07.000 Wait, hold on.
01:09:08.000 She was African.
01:09:09.000 I knew it.
01:09:13.000 How'd I know, bro?
01:09:16.000 That's crazy, bro.
01:09:17.000 Some orangutan behavior. 1.00
01:09:18.000 Damn. 1.00
01:09:19.000 Orangutan behavior, bro. 1.00
01:09:21.000 She light-skinned, though.
01:09:21.000 She light-skinned.
01:09:22.000 Yeah?
01:09:22.000 But she's African.
01:09:23.000 Oh, looks like we're having the front page on Rumble, niggas. 1.00
01:09:25.000 Let's go.
01:09:26.000 Let's go, baby.
01:09:27.000 But yeah, man, this is some good advice for you guys.
01:09:28.000 Let's see all notes. 0.99
01:09:29.000 Because some bitch ass niggas said that we view by. 1.00
01:09:30.000 Guys, if you hit the front page of Rumble, what ends up happening is anyone that's on the front page of Rumble, well, if you're on the first thing, automatically. 0.99
01:09:42.000 Because they can see, if you're the number one, because it shows a box, a preview box. 0.99
01:09:48.000 Also, you don't get deals if you viewbot, you idiot. 1.00
01:09:51.000 You can't do that. 0.99
01:09:52.000 They're going to see your numbers and see that you're viewbotting. 1.00
01:09:54.000 Idiot. 0.99
01:09:56.000 Guys, we've never viewbotted. 1.00
01:09:57.000 Ever.
01:09:58.000 Like, the one time I ever saw anything was, like, when academics came, and then, like, it went up, and then it went down.
01:10:03.000 But that had nothing to do with us.
01:10:03.000 Yeah, it went up randomly, bro.
01:10:04.000 Y 'all niggas saw us. 0.95
01:10:05.000 Our hands were right here.
01:10:08.000 But, like, bro, we've never viewed about it, bro, ever.
01:10:08.000 It could have been somebody else.
01:10:11.000 So all our numbers are authentic.
01:10:12.000 Organic.
01:10:13.000 Niggas might sit there and say, oh, y 'all niggas fell off, bro. 1.00
01:10:15.000 It's not that we ever fell off.
01:10:16.000 It's that we just don't feel about it, nigga. 0.80
01:10:18.000 Also, we're demonetized.
01:10:21.000 Yep, yep.
01:10:22.000 Still killing it. 1.00
01:10:23.000 Still killing it. 0.99
01:10:24.000 So, yeah, man.
01:10:27.000 Alright, we got actually the built card right here.
01:10:30.000 B-I-L-T. 0.99
01:10:31.000 Yes!
01:10:32.000 So this helps you pay your rent anywhere, anytime, anyplace.
01:10:32.000 Okay.
01:10:37.000 By Wells Fargo.
01:10:38.000 By the way, you know Wells Fargo is owned by them boys.
01:10:42.000 Of course.
01:10:43.000 The people.
01:10:43.000 I've been on that.
01:10:44.000 So, yeah.
01:10:45.000 We're comedians.
01:10:46.000 But you know what?
01:10:46.000 Keep that in mind.
01:10:47.000 I actually don't hate the people.
01:10:49.000 I feel good, actually.
01:10:51.000 So I like Wells Fargo.
01:10:52.000 Anyways, earn points on rent and even more in your neighborhood.
01:10:55.000 W Fresh.
01:10:56.000 So basically, guys.
01:10:57.000 And I think this is really, guys, the only credit card that you can actually pay rent for and it's made for that.
01:11:02.000 Yeah.
01:11:03.000 What's that, man?
01:11:04.000 The good thing is that most people pay rent anyway.
01:11:08.000 So now you can get points for it and benefit from the card.
01:11:11.000 Because a lot of times, the rent that you pay, $1,500, $2K, $3,400, $5K, that adds up.
01:11:18.000 And if you actually go ahead and get that card, man, the benefit's insane.
01:11:22.000 What's up, brother?
01:11:23.000 So yeah, it's a really good card.
01:11:25.000 And it's metal. 1.00
01:11:26.000 Shit. 1.00
01:11:27.000 Wait, the bill card is metal? 1.00
01:11:28.000 Yeah.
01:11:29.000 B-A-L-T, yeah? 0.68
01:11:29.000 Metal. 0.68
01:11:30.000 Yeah, yeah, yeah.
01:11:31.000 Like I said, this is really good for paying your rent, guys.
01:11:31.000 Yeah, this is good.
01:11:33.000 And it's honestly the only card on the market that I know that you use to actually just pay your rent.
01:11:38.000 So you get 1x points on rent, up to 100,000 points each calendar year.
01:11:42.000 5x points with neighborhood dining partners, which I don't know where they are right now, but they do change.
01:11:49.000 Points on Lyft right here.
01:11:50.000 I mean, it should be Uber, but whatever.
01:11:53.000 And then 2x points on travel.
01:11:54.000 So, airlines, hotels, car rental.
01:11:56.000 It's not about a car.
01:11:57.000 And, zero annual fee.
01:11:58.000 Yeah.
01:11:59.000 The biggest thing with this car is being able to pay a rent with it, guys, and get points for it, man, because I know how many of y 'all have, you know, had a direct deposit or whatever, and you're not getting a benefit paying on it.
01:12:08.000 And here's the thing.
01:12:09.000 Rent is your biggest expense most of the time.
01:12:11.000 Yeah.
01:12:12.000 And you're not getting a reward on it.
01:12:13.000 So, the purpose of this, guys, is to, you know, get a benefit, finally, for paying, you know, that $1,000, $2,000, $3,000 a month in rent, man. 1.00
01:12:20.000 It's fucking bullshit. 1.00
01:12:21.000 So, now you're getting a benefit. 1.00
01:12:24.000 Let's do a quick recap here.
01:12:25.000 Yes.
01:12:29.000 So, guys, number one. 1.00
01:12:31.000 Get a fucking credit card, okay? 1.00
01:12:33.000 Oh, you know what? 1.00
01:12:34.000 Let's go over the beginner credit cards for them real fast.
01:12:36.000 The pedal one?
01:12:37.000 Yeah, the pedal and the unsecured.
01:12:39.000 And then Mo gave you guys the story already.
01:12:41.000 So making credit history.
01:12:42.000 So this is, again, we always recommend these two cards for you guys when it comes to...
01:12:48.000 Beginner cards?
01:12:49.000 Yeah.
01:12:49.000 So the pedal.
01:12:51.000 Is the Pedal 2 or the Pedal 1 that's the best one for?
01:12:53.000 I think Pedal 1 is a better one.
01:12:57.000 Yeah, Pedal 1. I don't even know why they got Pedal 2. It's kind of whack.
01:13:00.000 I think it's Pedal 1. Yeah, because no I know fee, and then you get 1 to 10% cash back.
01:13:06.000 That one's limited to 1.5.
01:13:08.000 Yeah, so that one's worse, the Pedal 2. Pedal 1's better.
01:13:12.000 Okay, but which one is the one that has the easier get-in?
01:13:15.000 Like, lower credit score to get-in?
01:13:18.000 No, same.
01:13:20.000 Like, I don't know why they made a Pedal 2. Like, to me it's kind of dumb, because it's the same shit. 1.00
01:13:23.000 Just one is better. 1.00
01:13:24.000 Okay.
01:13:25.000 Well, either way, the point here, guys, is, well, one gives you a little bit slight better cashback.
01:13:25.000 Alright.
01:13:25.000 Yeah.
01:13:29.000 One to 1.5.
01:13:31.000 The point is, guys, is obviously get the best one that you can get, because I think annual membership fee, no fees of any kind, zero.
01:13:37.000 So, if you can get the Pedal 2, get it, but it depends on your, you know what it probably is?
01:13:41.000 It probably depends on your credit score.
01:13:42.000 So get Maybe the Petal 1 Rise might not be the one for you guys, but the Petal 1 or the Petal 2, get the best one that you can and start building up your credit.
01:13:51.000 So these are credit cards that you can get in the beginning, which we've talked about before.
01:13:56.000 And the other one also, guys, is the Discover It card.
01:13:59.000 Yes.
01:14:00.000 Which Mo talked about extensively, where you get a secured version and then work your way up and get an unsecured version.
01:14:06.000 Secured means you put money on the card, right?
01:14:08.000 $100, $200, whatever.
01:14:10.000 Use it as a credit card.
01:14:14.000 You called them and you said, "Hey, I want to turn it into unsecured?" Yes.
01:14:18.000 It was exactly how you said it too, where you would apply online, they wouldn't even answer, or they just declined, and I called them myself and said, "Hey, I really want to stay with this card.
01:14:18.000 Six months, right?
01:14:31.000 I really want to stay with you guys.
01:14:32.000 You guys have been treating me well.
01:14:33.000 I would like a credit increase." Well, besides credit increase.
01:14:37.000 And it upgrades on security.
01:14:39.000 Negotiating.
01:14:39.000 Focus on negotiating.
01:14:40.000 Okay, look at this.
01:14:40.000 So he applied online, he got declined, and then he called them.
01:14:43.000 Yeah.
01:14:44.000 And they made it happen.
01:14:45.000 That's the power of calling, guys, by the way.
01:14:46.000 Because it's an automated robot, basically. 0.98
01:14:48.000 Yeah, it's based on algorithms and all this other bullshit. 0.99
01:14:51.000 And then they see his name, see Moise, so I'm like, nah, man, this nigga's probably a Jew. 1.00
01:14:54.000 It's Cameron.
01:14:55.000 So they're like, you know, he's Cameron.
01:15:00.000 But then they saw the last name Pierre, and they're like, oh, no, no, no, no.
01:15:03.000 If it was Pierre Stein, they would have approved him. 0.99
01:15:05.000 But they saw Pierre, and they were like, this nigga's a fucking Haitian, now we could. 1.00
01:15:08.000 Disclaimer. 1.00
01:15:10.000 This is a comedy skit, by the way.
01:15:13.000 So he applied for the card, got it, worked on it for six months, the secured card.
01:15:18.000 Then he made it unsecured after six months of paying it off.
01:15:22.000 Got the client, called, they gave it to him. 1.00
01:15:24.000 Then you worked your way up and then you built your credit score up like, what, 200 points just by doing that shit? 1.00
01:15:27.000 Yes. 1.00
01:15:28.000 Correct.
01:15:29.000 And then he was able to go ahead and get, now he has the Amazon card.
01:15:32.000 Then he has a venture Capital One card, which these cards, you need to have a very good credit score to get, which give you crazy benefits, like we've talked about.
01:15:40.000 And heavy cards, too.
01:15:41.000 So once you go ahead and you got your credit, Figure it out, right?
01:15:44.000 And you got your first couple credit cards, whether it's a pedal or an unsecured, right?
01:15:47.000 Then you got to graduate to what I call a card that actually gives you benefits.
01:15:50.000 And that first card needs to be a cashback credit card, guys.
01:15:53.000 We showed you guys a couple.
01:15:54.000 I think right now, By far.
01:15:59.000 It looks like that one's the best right now.
01:16:01.000 No annual fee.
01:16:03.000 18% intro APR where you don't pay.
01:16:05.000 And then $200 cash back. 0.98
01:16:09.000 That's kind of fucking crazy, bro. 0.97
01:16:10.000 They're going to nerf that card soon. 0.98
01:16:12.000 But then you got the Citi Double Cash and then the other one that we gave, which was the TD Bank.
01:16:16.000 Those are good cash back cards.
01:16:18.000 There's plenty of others too, guys, but those are just some good ones that give you a 2% flat cash back.
01:16:21.000 And then if you want to expand from there.
01:16:28.000 Apple, Amazon.
01:16:30.000 Amazon is good though. 0.99
01:16:31.000 Damn, it's good. 0.97
01:16:32.000 That Visa that we showed you guys with the 6% cash back, the blue cash preferred. 0.98
01:16:36.000 All these different cards give you a crazy amount of benefit depending on where you decide you want to shop.
01:16:41.000 It's basically contingent upon that.
01:16:42.000 And then you got the Apple card, you got the Amazon card.
01:16:44.000 I know there's Sam's Club cards out there and Walmart cards.
01:16:47.000 And you can get really in the weeds. 0.98
01:16:49.000 But those are some good ones that give you really good fucking benefits across the board. 0.96
01:16:54.000 From where it goes, man. 1.00
01:16:55.000 But WContent, man, because this is some good shit. 0.99
01:16:57.000 And by the way, start with the beginner credit cards. 0.97
01:17:02.000 Once you're able to get your credit score up to what?
01:17:05.000 700?
01:17:06.000 Mo, when did you apply and get your Capital One Venture?
01:17:09.000 700?
01:17:10.000 I was in the 700s.
01:17:11.000 Okay.
01:17:12.000 Once you get it to the 700, guys, then you can start getting these good cashback cards that give you 2% or more.
01:17:17.000 Also, keep a budget for your credit card spending.
01:17:19.000 Because the problem is, if you're not aware of your spending, you go over and you don't pay back monthly, You're cooked.
01:17:24.000 So, have a budget of your cash that you can actually have in reserves.
01:17:27.000 For example, let's say you made $4K a month.
01:17:30.000 You spend your card, maybe $1,500 to $2K max.
01:17:30.000 Cool.
01:17:33.000 After that, finish.
01:17:34.000 If you go over that, you're cooked.
01:17:36.000 So, pay it off every month in full because, guys, I'm telling you, I had $30K in debt.
01:17:40.000 Took two months to pay it off.
01:17:42.000 And you're paying more, by the way.
01:17:44.000 Yes.
01:17:44.000 So, you've got to pay it off every month.
01:17:45.000 Have a budget for it because if you're not careful, it could fuck you up.
01:17:48.000 And the credit cards, guys, you saw it. 1.00
01:17:50.000 18% to 30% interest rate on some of this shit. 1.00
01:17:52.000 They're fucking cooking you. 1.00
01:17:54.000 Oh, some people are cut forever, bro. 1.00
01:17:55.000 Some of y 'all will never get out.
01:17:55.000 Bro, yeah.
01:17:56.000 I ain't gonna lie, man. 0.99
01:17:57.000 Some of you guys literally are in the fucking shadow realm, bro. 1.00
01:17:59.000 Fatality. 1.00
01:18:00.000 This nigga Shao Kahn got your soul. 1.00
01:18:00.000 Right? 1.00
01:18:01.000 You need different things.
01:18:03.000 But, yeah. 0.97
01:18:04.000 But, like, if you guys aren't idiots and you guys, right, because a lot of you guys that watch us are more critical thinkers, get your beginner credit card. 0.98
01:18:11.000 Get your score up into the 700s. 0.96
01:18:12.000 Once you get to the 700s, your first credit card that gives you benefits should be a cashback credit card.
01:18:17.000 Bare minimum, Chad.
01:18:17.000 2%.
01:18:20.000 Okay?
01:18:20.000 2%.
01:18:21.000 The only time it's acceptable to get a credit card that gets you under 2% for cashback is the cards that we showed you guys where you get ridiculous benefits.
01:18:29.000 And here's the thing.
01:18:30.000 These cards like Amazon, they're still giving you 2% on damn near everything.
01:18:33.000 Okay?
01:18:33.000 So get a basic 2% flat everywhere.
01:18:36.000 Then after you get your 2% flat, then you can go ahead and get a specialized card in categories.
01:18:45.000 Okay?
01:18:46.000 So step one, get your first credit card.
01:18:49.000 Get it up to $700.
01:18:50.000 Use that first credit card to get yourself into the $700.
01:18:52.000 Once you get into the $700, first credit card that's a real credit card that gives you benefits, 2% cash back.
01:18:58.000 Bare minimum.
01:18:59.000 Once you have that 2% cash back card, then you can go ahead and graduate into cards that are specific.
01:19:04.000 Your Amazon cards, your Apple cards, your Nike cards, your Sam's Club, or some of the other cards we showed you guys.
01:19:11.000 And the 2% cards, the Citi Double Cash or the Wells Fargo are fantastic choices.
01:19:16.000 2% cash back across the board.
01:19:19.000 With some benefits when you open up.
01:19:20.000 Amazon is amazing, though.
01:19:21.000 I like that one.
01:19:22.000 Yeah.
01:19:22.000 I suggest, honestly, after you guys get your flat 2% cash back, go ahead and pick up the Amazon card.
01:19:27.000 Facts.
01:19:28.000 Honestly. 1.00
01:19:28.000 Because most of y 'all niggas in here that are watching this, you guys probably order shit on Amazon. 1.00
01:19:32.000 You might have a Whole Foods near you, or you're an Amazon Prime member. 0.99
01:19:35.000 It doesn't make sense to be shopping on Amazon without an Amazon card. 0.98
01:19:38.000 It's absolutely retarded. 1.00
01:19:39.000 So, anything else?
01:19:41.000 We got some chats here.
01:19:42.000 That I missed?
01:19:42.000 And then we're from our sponsor.
01:19:43.000 Oh, super chats.
01:19:44.000 Okay.
01:19:44.000 That's pretty much it.
01:19:45.000 We can read the sponsor first, then chats.
01:19:47.000 Let's go ahead and read it.
01:19:50.000 You got it?
01:19:52.000 I got this.
01:19:54.000 Folks, the American dream is under attack and hardworking patrons like yourself are being crushed under mountains of debt.
01:20:00.000 We spoke about this earlier.
01:20:02.000 Why?
01:20:02.000 Because creditors love debt.
01:20:04.000 They want you to be stuck in their high interest trap.
01:20:06.000 They want you drowning in student loans, credit card debt, and skyrocketing mortgage rates.
01:20:10.000 Because when you're broke, you're controllable.
01:20:13.000 So what do you do?
01:20:14.000 Take control, fight back, and it starts with PDS debt.
01:20:17.000 They help tens of thousands of people live debt-free.
01:20:20.000 PDS Debt goes beyond the numbers to understand your unique financial situation without a personalized plan designed just for you.
01:20:27.000 There's no minimum credit score required.
01:20:29.000 They're here to help you save more, pay off your debt faster, and start putting money back where it belongs in your pocket.
01:20:36.000 PDS Debt is an A-plus rating by Better Business Bureau, boasts hundreds of five-star reviews on Google, and holds a five-star rating on Trustpilot.
01:20:44.000 Why?
01:20:44.000 Because PDS Debt has helped thousands of people get out of debt.
01:20:47.000 Start living in debt.
01:20:49.000 Get your free assessment today and find the best option for yourself at ptsdebt.com slash FNF.
01:20:54.000 You're just 30 seconds away from starting getting out of debt.
01:20:57.000 ptsdebt.com slash FNF.
01:20:59.000 That's pts.com.
01:21:01.000 Sorry, ptsdebt.com slash FNF.
01:21:03.000 There you go.
01:21:07.000 Anything else?
01:21:08.000 Some chats here real quick?
01:21:09.000 Let's read some chats.
01:21:09.000 Oh, yeah, yeah.
01:21:10.000 All right.
01:21:13.000 And guys, do me a favor.
01:21:14.000 Like the video on YouTube.
01:21:15.000 We got, what, 7,000 plus you ninjas watching right now?
01:21:18.000 So guys, like the video. 1.00
01:21:19.000 There's some fucking educational shit right here for you niggas, man. 1.00
01:21:22.000 Well, 10k. 1.00
01:21:23.000 Yeah.
01:21:24.000 Is it?
01:21:25.000 On everything, yeah. 1.00
01:21:25.000 Oh, shit. 1.00
01:21:26.000 Okay. 1.00
01:21:26.000 Oh, Dominican. 1.00
01:21:27.000 No, we fell off, though.
01:21:28.000 Dominican UD.
01:21:28.000 Is Amex Gold?
01:21:29.000 Go ahead, you got it.
01:21:30.000 Is Amex Gold a good card to have?
01:21:32.000 I also have no spending limit.
01:21:33.000 But I've been using it and paying it off in full each month.
01:21:36.000 Yeah, you have to pay it off in full each month.
01:21:37.000 It's a charge card.
01:21:38.000 Which charge cards are a bit more advanced.
01:21:41.000 I don't suggest you guys have more than one charge card in your repertoire because it could be problematic for you.
01:21:47.000 And people tend to see, charge card!
01:21:48.000 I can spend as much as I want!
01:21:49.000 They go crazy, bro.
01:21:51.000 So just be careful with that.
01:21:52.000 But the gold is a good card.
01:21:54.000 I think the platinum is better.
01:21:55.000 I don't think there's a point to have a gold if you've got a platinum.
01:21:57.000 Unless it's different businesses, but yeah.
01:21:59.000 Funny story about the gold card.
01:22:00.000 So I was with a celebrity.
01:22:02.000 I don't say his name. 0.99
01:22:03.000 And we're just like talking shit, whatever. 0.99
01:22:06.000 He happens to go on his phone, looks at his Amex app, right? 0.99
01:22:09.000 I'm like, I look up and I'm like, That's 60k?
01:22:14.000 On your gold card? 0.99
01:22:15.000 He said, yeah, I got paid the shit off. 0.98
01:22:17.000 Oh yeah, it's a charge card. 0.99
01:22:20.000 What?
01:22:20.000 He said, yeah, I know.
01:22:21.000 Bro.
01:22:23.000 60k.
01:22:23.000 That is wild though.
01:22:24.000 Dude, I mean, unless like...
01:22:26.000 Dude, I mean... 0.99
01:22:28.000 Does he run like a brick and mortar business or some shit? 0.99
01:22:31.000 No, you said he's a celeb. 1.00
01:22:32.000 Yeah. 1.00
01:22:32.000 What the fuck is he spending? 1.00
01:22:34.000 I'll tell you this after. 1.00
01:22:35.000 But he paid off.
01:22:35.000 But I heard him, though.
01:22:37.000 60K.
01:22:38.000 Because the thing is, you can't put it off another month.
01:22:41.000 You got paid that month.
01:22:41.000 Oh, yeah, yeah, yeah, yeah.
01:22:42.000 No, you have to pay.
01:22:43.000 Yeah, that's the thing with charge cards, guys.
01:22:45.000 That's why I like Chase, bro. 1.00
01:22:45.000 You can put that shit on there and then pay it off. 1.00
01:22:48.000 Guys, be careful with charge cards, man. 1.00
01:22:49.000 You really don't want to have more than one.
01:22:51.000 Yeah.
01:22:52.000 I don't suggest you have more than one charge card.
01:22:54.000 Mumbaclot.
01:22:55.000 Yeah.
01:22:55.000 And Amazon Prime is with Chase.
01:22:58.000 Yeah, it is with Chase.
01:22:59.000 Yeah, it is with Chase.
01:23:00.000 I'm telling you, man.
01:23:01.000 Let's see here.
01:23:02.000 I have an Amex Go card, Chase Sapphire, preferred, and Chase Unlimited, and a KeyBank credit card.
01:23:07.000 Which card should I use for which type of purchases?
01:23:09.000 I don't travel that much, and I don't eat out that much.
01:23:14.000 I'll be honest.
01:23:15.000 I don't have any of those cards.
01:23:18.000 I think you have a Sapphire, one of these, right?
01:23:20.000 limited but uh Like, you don't need more cards, bro.
01:23:26.000 Bro.
01:23:27.000 Guys, as long as you have one good...
01:23:30.000 You have one good travel card, and you have one good maybe special card, like an Amazon card?
01:23:37.000 He can get the actual Wells Fargo one.
01:23:43.000 Oh, it's a cashback card?
01:23:44.000 Only for cashback.
01:23:45.000 None of those cashback cards?
01:23:47.000 They have different categories, but not a set cashback.
01:23:50.000 Because I don't have any of those, so I can't speak to it.
01:23:52.000 He can get a Wells Fargo one.
01:23:53.000 That's good.
01:23:54.000 Okay.
01:23:54.000 Fair.
01:23:55.000 What's up next?
01:23:56.000 Yeah, it doesn't look like those are...
01:24:01.000 Alpha Ray says, WFNF, I think you should talk to someone about Navy, Federal, and PenFed.
01:24:05.000 They give up to 80k limits in credit cards and weak with bad credit.
01:24:11.000 I got an auto loan with 30k.
01:24:12.000 Nigga, bro, here's the thing. 1.00
01:24:14.000 These cards are only for military guys, bro.
01:24:18.000 The reason why I stay away from Navy and all that other stuff is that you gotta be military or a government employee to get these cards a lot of times.
01:24:25.000 There's a way to get in there.
01:24:26.000 There is, but I don't want...
01:24:30.000 Yeah.
01:24:30.000 That's not good, man.
01:24:30.000 I know people, oh, my uncle's in the Navy!
01:24:33.000 You know, some bullshit like that. 0.99
01:24:35.000 Yo, I don't know if they got Carlone off of them. 0.99
01:24:37.000 And he is not.
01:24:38.000 Dude, I think you guys are really missing out if you don't mention it.
01:24:41.000 Like, they give good benefits.
01:24:43.000 But, bro, a lot of people don't qualify, bro, because they're not in the military.
01:24:49.000 Definitely look into the military branch.
01:24:52.000 Credit cards and credit unions.
01:24:53.000 Credit unions are always going to give you better deals than major banks.
01:24:57.000 Let me make this clear as well for you guys, right? 0.98
01:25:04.000 If you want to get a loan, a lender, etc., they're going to beat out Bank of America and Chase and all these fucking banks tenfold.
01:25:12.000 But the thing is that they're not as common and they're a bit harder to get into. 0.62
01:25:17.000 But when it comes to these like Navy and...
01:25:23.000 You gotta be a member of the armed services a lot of times to get in, guys.
01:25:26.000 Okay? 1.00
01:25:27.000 Or you gotta do some bullshit and a lie and Not worth it, bro. 1.00
01:25:33.000 Not worth it. 1.00
01:25:34.000 What, to save a percent or some shit? 0.99
01:25:35.000 Like, come on, man. 0.98
01:25:37.000 So that's why we don't talk about that stuff, bro.
01:25:39.000 A lot of guys are not in the armed services.
01:25:41.000 What's up next?
01:25:44.000 Tom Jones.
01:25:45.000 Yo, my refresh.
01:25:45.000 Can you explain to other guys here why Dave Ramsey is a fraud?
01:25:48.000 No.
01:25:48.000 He's not a fraud, bro.
01:25:49.000 He's not a fraud, bro. 1.00
01:25:50.000 The thing you guys gotta understand is that most people are stupid. 1.00
01:25:53.000 So Dave Ramsey works out great for stupid people because he gives them advice that is conducive to them not fucking up. 1.00
01:26:00.000 Right? 1.00
01:26:01.000 And that's most Americans. 0.98
01:26:02.000 Look, guys, the average American is fat, 90 IQ, right? 1.00
01:26:09.000 Stupid. 1.00
01:26:10.000 Doesn't understand what's going on geopolitically, internationally. 1.00
01:26:13.000 Doesn't even know how many branches of government we got and is on TikTok all day.
01:26:16.000 Doesn't travel too. 0.66
01:26:16.000 And watching porn. 0.66
01:26:17.000 Doesn't even have a passport a lot of times. 1.00
01:26:20.000 Dave Ramsey makes content for those motherfuckers that are retarded. 1.00
01:26:24.000 Okay? 1.00
01:26:24.000 Like, he says shit like, okay, you need to put like, you know, $100 for your light bill and put an envelope here and then store it away and then take another $100 and put it for your water bill and put it over here in store. 1.00
01:26:34.000 Like, this is for bottom denominator retards, bro. 1.00
01:26:36.000 Lowest common denominator fucking idiots. 1.00
01:26:38.000 Like, people that lack critical thinking skills that aren't intelligent. 1.00
01:26:42.000 So Dave Ramsey, this is why he has such a huge audience, man.
01:26:46.000 And that's not to insult him or whatever, but I do think that for the – But you're not going to be rich listening to Dave Ramsey. 0.96
01:26:56.000 I'll tell you that right fucking now. 0.86
01:26:57.000 You're not going to become independently wealthy like he is. 0.98
01:26:59.000 Because I find it interesting that he tells you guys, don't get into debt, etc.
01:27:04.000 But he has a bunch of real estate.
01:27:06.000 So he definitely has debt.
01:27:08.000 I get it.
01:27:08.000 I think he over-leveraged.
01:27:10.000 He did.
01:27:10.000 At the beginning.
01:27:11.000 Is that where his horror story comes from?
01:27:13.000 Yeah.
01:27:13.000 He over-leveraged back in 07-08.
01:27:15.000 But he came back.
01:27:15.000 But he came back.
01:27:16.000 But yeah, he still owns a bunch of real estate, bro.
01:27:19.000 You're not going to save your way to being rich, Chad.
01:27:22.000 Let's just keep it real. 0.94
01:27:23.000 You're going to become rich by making as much money as you can and investing it into assets that are pretty shit over time that pay you back. 0.94
01:27:29.000 That's how you build wealth. 0.86
01:27:31.000 Okay?
01:27:31.000 You're not going to save your way to being rich.
01:27:34.000 Dave Ramsey is not trying to teach guys how to save their way to being rich.
01:27:37.000 They're trying to basically save their way to not being poor.
01:27:39.000 Because most Americans have terrible spending habits.
01:27:42.000 So, look.
01:27:44.000 I don't think he's a fraud.
01:27:45.000 I think Dave Ramsey absolutely has a place.
01:27:46.000 And I think for most Americans, he's actually very good.
01:27:48.000 Like, what we're teaching you guys is, like... 1.00
01:27:52.000 Higher IQ shit, yeah. 1.00
01:27:52.000 But also, if you're brokey, then it's good for you. 1.00
01:27:55.000 Because you need it.
01:27:57.000 Yeah.
01:27:58.000 You need credit in America, bro.
01:27:59.000 I'm sorry, guys.
01:28:02.000 You need credit in America.
01:28:04.000 You're not going to get far.
01:28:05.000 It is what it is. 0.92
01:28:06.000 Yeah, you're not going to get far if you don't leverage credit in the United States or if you have a shitty credit score.
01:28:11.000 Yeah, I mean, it might be hard to find that, bro?
01:28:26.000 A 500 credit score card that...
01:28:32.000 Very hard to find.
01:28:33.000 You're better off just building up your credit as quickly as possible. 0.99
01:28:35.000 Moe did it in fucking six months, so I don't want to hear no fucking excuses. 0.98
01:28:38.000 Moe did it and got himself into the 600, 700s. 0.99
01:28:42.000 And once you're in that level, you can get yourself an entry-level cashback card.
01:28:45.000 So it can be done, guys.
01:28:48.000 What else?
01:28:50.000 Is there a credit card you can use to pay your mortgage?
01:28:54.000 Will the bill card work for that?
01:28:56.000 It should work.
01:28:57.000 I know it's for rent.
01:28:58.000 But you could probably use it for your mortgage too, bro.
01:29:04.000 It depends on a company because they have different payment structures.
01:29:07.000 Yeah.
01:29:08.000 I don't know for everyone.
01:29:09.000 Every company, yeah.
01:29:10.000 Because you guys got to remember, it depends on your lender too.
01:29:12.000 Yeah.
01:29:13.000 I'm sure you can find a way though, bro.
01:29:14.000 Yeah.
01:29:15.000 But Bill might work, man.
01:29:16.000 Because Bill, I think they say instead of an ACH, the credit card has an ACH for you.
01:29:21.000 Bill is amazing.
01:29:22.000 So Bill might work, guys.
01:29:24.000 Just call and check.
01:29:25.000 Yeah.
01:29:25.000 I'm sure you can.
01:29:26.000 You know what?
01:29:27.000 Let me Google it for you.
01:29:28.000 Let me check.
01:29:29.000 Go ahead.
01:29:29.000 Can you read the chat?
01:29:30.000 We got Slaver Backslap says, for active military members, most if not all major CC companies with the annual fees.
01:29:37.000 Also, 0-6% max interest CSCRA.
01:29:43.000 Okay.
01:29:44.000 See, again, if you're in the military, there's a lot of credit cards that you guys can use from these credit unions.
01:29:48.000 These credit unions take care of their people way better.
01:29:52.000 And for you guys that are not in the military, please don't commit fraud and get in trouble.
01:29:55.000 Yeah. 0.86
01:29:55.000 Have Army DSCID show up at your house or the NCIS or some shit like that, because I'll tell you guys this. 0.86
01:30:00.000 FBI, open up! 0.97
01:30:01.000 Them niggas are bored, and they're always willing to arrest somebody. 1.00
01:30:04.000 So don't fucking waste your time committing fraud. 0.99
01:30:07.000 Oh, yeah. 0.99
01:30:08.000 Bill's just got a built ad on his Snapchat.
01:30:11.000 Oh, really?
01:30:12.000 Yeah.
01:30:13.000 They're always watching.
01:30:14.000 Yeah, they always watch it, bro.
01:30:15.000 This nigga Bill's cook. 1.00
01:30:16.000 Yeah, but, yeah. 0.80
01:30:18.000 Guys, the fraud ain't worth it, bro.
01:30:19.000 I don't want y 'all niggas going to jail. 1.00
01:30:21.000 Trying to save 2%. 1.00
01:30:22.000 Next thing you know, fucking, you know, OSI's at your front door. 0.99
01:30:26.000 Oh, you got an Air Force credit card? 0.99
01:30:28.000 Okay, can you show us your DD-412? 0.99
01:30:30.000 Whatever the fuck it is. 0.97
01:30:31.000 Your discharge paperwork? 1.00
01:30:32.000 I lost it, bro.
01:30:35.000 Yeah, I lost it, bro.
01:30:36.000 Are you going to jail?
01:30:36.000 Oh, well, we already know that you don't have it, so you're going to come with us, please.
01:30:43.000 Oh, man.
01:30:44.000 You know how you cook when they say, okay, come with us, please.
01:30:47.000 FBI, open up!
01:30:48.000 How much jail time is that?
01:30:50.000 Who knows?
01:30:52.000 And here's the thing, bro, with the military law enforcement, they could take you to a military court, bro.
01:30:58.000 That's even worse.
01:30:59.000 That's different.
01:31:00.000 How bad is those?
01:31:00.000 Oh, that's even worse than...
01:31:03.000 Yeah, DD-214, sorry.
01:31:05.000 That's even worse than regular jail.
01:31:09.000 Because you're more than likely going to get convicted and you get less rights.
01:31:13.000 Yeah, man.
01:31:13.000 Less?
01:31:14.000 Yeah, military court is no joke, bro.
01:31:16.000 Is everyone here?
01:31:19.000 Alright, cool.
01:31:20.000 Okay, one chat says, an instant reach around, along with E3, ain't given this type of value.
01:31:26.000 WFNF, my money and credit score shot up because of Money Mondays.
01:31:29.000 God bless y 'all.
01:31:30.000 Shout out to you, brother.
01:31:31.000 Appreciate you, man.
01:31:32.000 All supporting.
01:31:33.000 Fresh updates.
01:31:34.000 WFNF, above my credit score to 750 in less than a year.
01:31:37.000 Thanks to you guys.
01:31:38.000 Anyhow, chats.
01:31:38.000 Well said.
01:31:39.000 Okay, so I just double-checked.
01:31:41.000 As of now, Bill, MasterCard cannot be used for direct pay mortgages to earn points, but it announced plans to introduce this feature in 2025.
01:31:49.000 So stay tuned, guys.
01:31:50.000 It'll probably come this year.
01:31:52.000 Cool.
01:31:52.000 Good question, bro.
01:31:53.000 Anything else?
01:31:54.000 Yeah, two more chats.
01:31:55.000 Two more chats?
01:31:56.000 I meant to say I have Amex Gold card.
01:31:58.000 Okay.
01:31:59.000 Gotcha, bro.
01:32:00.000 Oh, Gold, I get it.
01:32:00.000 Yeah, because he said Gold before.
01:32:02.000 What cards do you recommend for someone with a 9-to-5 job?
01:32:05.000 Bro, any of those cards.
01:32:07.000 Just don't overspend.
01:32:09.000 Anything else?
01:32:10.000 Cool.
01:32:10.000 My other favorite advice you gave that I almost messed up on was the credit history.
01:32:15.000 I almost got rid of one of the oldest credit cards.
01:32:20.000 Yes.
01:32:20.000 Thank you.
01:32:21.000 Guys, once you start leveling up, right?
01:32:23.000 And you get these credit cards.
01:32:25.000 And you're like, yo, I'm getting 2% here, 3% here, blah, blah.
01:32:28.000 Don't close out your old credit cards.
01:32:30.000 Okay?
01:32:31.000 Don't close out your unsecured card that you got.
01:32:33.000 Or your security card that you got.
01:32:34.000 Or your pedal 1 or pedal 2. Do not close those cards out.
01:32:36.000 Because you want your credit history to be as long as possible.
01:32:39.000 The goal is to stay 20 years, guys.
01:32:40.000 Okay?
01:32:41.000 You don't want to go ahead and have a credit card for 5, 10 years.
01:32:43.000 And then you close it.
01:32:44.000 Now you got to start from...
01:32:47.000 Because once you have 20 years, guys, you get into, you increase your credit score significantly.
01:32:52.000 Yeah.
01:32:52.000 So you want to have a long credit history.
01:32:56.000 Mine was a Capital One Platinum.
01:32:57.000 Also, shout out to Calvin Bonley for gifting subs.
01:33:00.000 Hey, shout out to you, Calvin.
01:33:02.000 By the way, sub it down Wednesday, right?
01:33:04.000 We got a sub it down for you niggas Wednesday. 1.00
01:33:06.000 7K subs.
01:33:07.000 Chris goes to AA.
01:33:08.000 I did my speech coach lessons, actually.
01:33:11.000 Donut.
01:33:12.000 Last Friday.
01:33:12.000 Donut.
01:33:13.000 So he's actually next for the actual AA meeting.
01:33:16.000 I can't wait.
01:33:17.000 I can't wait, man.
01:33:18.000 7k subs.
01:33:20.000 He goes to Alcohol Anonymous.
01:33:22.000 I can't wait.
01:33:24.000 All right.
01:33:25.000 Who is that?
01:33:26.000 Blackest Panther.
01:33:27.000 Blackest Panther.
01:33:28.000 Shout out to your brother.
01:33:29.000 Just got approved for built.
01:33:31.000 Congratulations.
01:33:33.000 Let's go, bro.
01:33:34.000 He's already taking action, bro.
01:33:35.000 This nigga was like, bro, I was paying rent for no reason. 1.00
01:33:39.000 He's like, pay rent. 1.00
01:33:40.000 Yo, Black is bad. 1.00
01:33:41.000 I love that, man.
01:33:42.000 Seeing you guys take action right on the live.
01:33:45.000 But what I will say, guys, off of what we had, if we could pull it back up.
01:33:48.000 Guys, the Wells Fargo 2% seems to me to be the best for the card. 0.99
01:33:53.000 So this one, and again, these motherfuckers are not paying us. 0.99
01:33:56.000 All right, well, this is us just giving you guys this free value. 0.99
01:33:58.000 Free value, man.
01:33:58.000 10,000 plus of you guys watching right now.
01:34:00.000 This seems to me to be the best cashback credit card that gives you a flat 2% cash rate, like I said before.
01:34:04.000 Never get a cashback card that gives you less than 2% unless it gives you some other ridiculous perk.
01:34:09.000 And no annual fee.
01:34:11.000 Zero intro percent APR for the first 12 months, so opening on purchases after that variable.
01:34:18.000 Okay, blast transfers.
01:34:19.000 Oh, I think this one's for balance transfers as well, then.
01:34:22.000 They're all for balance transfers.
01:34:24.000 That's still good.
01:34:24.000 That's fine.
01:34:25.000 It doesn't matter.
01:34:25.000 It's a zero annual fee.
01:34:27.000 So that's crazy. 0.96
01:34:28.000 And you get 200 bucks if you spend how much in the first 12 months or 3 months or whatever the fuck it was? 0.96
01:34:33.000 500? 0.97
01:34:34.000 Yeah, bro.
01:34:34.000 That's nothing, bro.
01:34:35.000 Yeah, that's literally nothing.
01:34:36.000 You're getting damn near almost 50% back.
01:34:41.000 So, alright, guys.
01:34:42.000 I think that's the best one right now for a cashback card.
01:34:44.000 Hands down.
01:34:45.000 So, if any of you guys get it, let me know.
01:34:48.000 Comment below in the chat.
01:34:49.000 Actually, you know what, guys?
01:34:50.000 Comment below in the comments, whether on YouTube or on Rumble, if you guys applied for any of these cards and you got approved.
01:34:56.000 So, yeah.
01:34:57.000 And Calvin gifted 20 subs.
01:34:58.000 Shout out to you, Calvin.
01:34:59.000 Shout out to Calvin, bro.
01:35:01.000 I'm wearing a cologne right now.
01:35:02.000 The LV cologne.
01:35:03.000 What's it called, Bill's ombre?
01:35:05.000 Oh, the ombre nomad.
01:35:07.000 Yeah, yeah, yeah.
01:35:07.000 Ombre what?
01:35:09.000 Nomad.
01:35:09.000 Ombre nomad, bro.
01:35:10.000 Girls love it. 1.00
01:35:11.000 Guys like it.
01:35:12.000 Pause.
01:35:13.000 It's fire.
01:35:13.000 Shout out to Calvin.
01:35:14.000 Very successful guy out in L.A., man.
01:35:16.000 Yeah.
01:35:16.000 So, guys, so end the stream there.
01:35:18.000 We're going to be back for After Hours.
01:35:20.000 I think it's going to be like a debate with regular guys and girls.
01:35:24.000 So, yeah.
01:35:25.000 We'll be back in about 10 o 'clock now.
01:35:28.000 What time?
01:35:28.000 30 minutes.
01:35:28.000 In about 30 minutes, we'll be back live, guys.
01:35:30.000 So, I love you guys.
01:35:31.000 Comment below if you apply for any of these credit cards and you got them.
01:35:34.000 I really want to know.
01:35:35.000 And I hope you guys enjoyed it, man.
01:35:36.000 Old FNF, man.
01:35:37.000 We back, baby.
01:35:38.000 Let's get it.
01:35:38.000 All right, guys.
01:35:39.000 Peace.