Here are my Top 5 Best Credit Cards For Beginners In 2022, which can assist construct your credit score rating for the low price of $0 – Enjoy! Add me on Instagram: GPStephan
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MY TOP 5 CREDIT CARDS FOR BEGINNERS:
1. DISCOVER IT SECURED CREDIT CARD
This card has NO ANNUAL FEE. And you’re going to get you 2% money again on eating places and fuel stations as much as the primary $1000, AND you’ll get limitless 1% money again on every little thing else. They’re additionally operating a promotion the place they are going to MATCH your money again within the first 12 months. Not solely that, however Discover additionally permits you to monitor your FICO rating without cost on their platform, so you possibly can hold observe of how your rating is bettering over time.
2. PETAL 2 VISA CARD
This one additionally has NO ANNUAL FEE, and so they base your credit score restrict in your banking historical past – which means, you have got the potential of getting authorized with none prior credit score historical past, in any respect. Since they make the most of your banking data, additionally they double as a private finance app that calculates your funds, curiosity when you don’t repay your steadiness, your month-to-month spending, and different private finance suggestions that will help you get monetary savings.
3. AMAZON PRIME REWARDS CARD
If you get the Amazon Prime Rewards Card – which requires you to have a legitimate Amazon Prime membership to get the total profit, you’ll get a $100-$150 amazon reward card for signing up, and you then’ll get limitless 5% money again on all amazon and Whole Foods purchases, and a pair of% money again at eating places, fuel stations, and drugstores…after which 1% money again on every little thing else.
4. THE CHASE FREEDOM FLEX CARD
First, they’ll be supplying you with a $200 bonus while you spend solely $500 on purchases throughout the first 3 months. They’ll additionally give you 5% money again on as much as $1500 value of bonus classes, 5% again on journey via the final word rewards portal, 3% again at eating places and eating….3% on drugstores…and 1% again on every little thing else.
5. CITI DOUBLECASH REWARDS CREDIT CARD
You’ll don’t have any annual payment, and UNLIMITED 2% money again on every little thing: 1% while you make a purchase order, and 1% while you pay it off. Simple!
GUIDE TO GETTING A PERFECT CREDIT SCORE:
First, join a free credit score monitoring service like CreditKarma.com or CreditSesame.com.
Second, get your self the Discover It Secured Credit Card…or, the Petal 2 Visa card when you get authorized. From there, simply put a number of minor bills on the cardboard each week…after which, pay it off, in full, by the point it’s due…that’s it.
Third, after 6 months of doing that – add ANOTHER bank card to the record, just like the Amazon Prime Card, Chase Freedom Flex, or Citi Doublecash. Then…do the identical factor as step one: put a number of minor expenses on the cardboard, and pay it off in full by the point it’s due.
Fourth, after one other 6 months of doing that – open the American Express Blue Cash Charge Card, after which – repeat the identical course of. You see how simple that is? ALWAYS PAY THEM OFF IN FULL.
Fifth, after one other 6 months of paying on time – request a credit score restrict will increase on all your bank cards….even when you don’t want a better restrict.
Sixth, hold doing this constantly – and inside 18-24 months, assuming you carry a zero steadiness and all the time pay on time…it’s best to have a rating above 740-780, which will get you the bottom rates of interest any time you wish to leverage your cash, get a mortgage, hire an house, purchase a automotive…or, do something, actually.
ENJOY!
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For enterprise or one-on-one actual property investing/actual property agent consulting inquiries, you possibly can attain me at GrahamStephanEnterprise@gmail.com
*Some of the hyperlinks and different merchandise that seem on this video are from firms which Graham Stephan will earn an affiliate fee or referral bonus. Graham Stephan is a part of an affiliate community and receives compensation for sending visitors to associate websites. The content material on this video is correct as of the posting date. Some of the gives talked about might not be accessible. This is just not funding recommendation. Public Offer legitimate for U.S. residents 18+ and topic to account approval. There could also be different charges related to buying and selling. See Public.com/disclosures/
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