KZhead

How to use a CREDIT Card like the Rich & Smart *Warning* this is not for everyone.

The Break
2024 ж. 15 Мам.
208 346 Рет қаралды
Жүктеу

He guys today I wanted to talk about credit cards, these can be bad, for those who purchase items they cannot afford for those who aren't good at sticking to a budget. BUT there are ways that credit cards can be used to receive rewards, the rich and smart know this and use these tools to get free flights, air miles and rewards. So here is some info on this. Again...I'm not a financial advisor but I know a thing or two.
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Пікірлер

  • During this pandemic I've knocked off about 17k of my 20k debt. I am feeling good. Edit: It has been a little more than a month and I did it y'all! I paid off the rest!! I am feeling good.

    @terranentity@terranentity3 жыл бұрын

    • amazing! proud of you stranger on the internet!

      @CALLMEKAFOI@CALLMEKAFOI3 жыл бұрын

    • Good job!

      @deebee14able@deebee14able3 жыл бұрын

    • Thought i was the only 1. Ive paid off all ma credit cards

      @sophiasemambo9501@sophiasemambo95013 жыл бұрын

    • Well done! I have cleared half of my overdraft and credit card!

      @SimzHairCare@SimzHairCare3 жыл бұрын

    • Wow congratulations, that's amazing 👏🏿

      @ToluFrimpong@ToluFrimpong3 жыл бұрын

  • This is how I use my credit cards. I buy groceries, gas and other items to earn cash back rewards and points. Then I pay off the card with the money I’ve budgeted for those items before interest is charged.

    @truestreet6979@truestreet69793 жыл бұрын

    • Yesss, me too🙌🏽🙌🏽

      @lulumadueke@lulumadueke3 жыл бұрын

    • Your someone that know how to use credit card

      @puffymuffin9064@puffymuffin90643 жыл бұрын

    • Me too

      @Bee_Mari@Bee_Mari3 жыл бұрын

    • Me too!

      @smaria5180@smaria51803 жыл бұрын

    • I am on Barclays but I don’t have any cash back rewards :( Why is that .

      @MaggyBatanova@MaggyBatanova3 жыл бұрын

  • I died when you pulled out that black construction paper 😂😂

    @TishaNichelle@TishaNichelle3 жыл бұрын

    • Me too 😂😂😂😂😂

      @ITSCHANELSWAY@ITSCHANELSWAY3 жыл бұрын

    • was not expecting that 😂😂😂

      @AbujaYummyMummy@AbujaYummyMummy3 жыл бұрын

    • Thanks to everyone who posted *Ericroboti* on telegram, just received my credit card from him thamks man

      @codypittgrew2642@codypittgrew26423 жыл бұрын

  • Would love to see a video on how to set your children up financially for the future!! Currently pregnant with my first child 👶🏾

    @thinkaboutit1011@thinkaboutit10113 жыл бұрын

    • There are certain children's savings accounts and isas that offer higher interest than us adults can get, albeit interest rates are very low right now due to the current state of the economy

      @Croydondebruyne@Croydondebruyne3 жыл бұрын

    • I would look at financial education for the child or children. I would also look at the system of generation wealth. Trust or foundation for the family. Practice borrowing from the family wealth pot and paying interest to the pot.

      @Fuorunner@Fuorunner3 жыл бұрын

    • In the UK, you can open a Junior ISA or ask a bank for child savings account. Last I checked with Barclays, the interest rate was 6% (around February). I just opened a junior ISA investment account for my 2 months old daughter 💞😊

      @Sucre014@Sucre0143 жыл бұрын

    • I have a few friends with kids who have kids who have opened up credit cards in their names and set up regular small bills off it (e.g. Netflix, Amazon prime) so the kids have credit history started before they need it.

      @TheKarebear666@TheKarebear6663 жыл бұрын

    • Congratulations!!! Enjoy motherhood girlie x

      @cherelled6419@cherelled64193 жыл бұрын

  • Patricia: “A little trip locally to Spain” Me: laughs in American Lol ya’ll are blessed in Europe to take local trips that take you to another country! Love it and I’m here for it❤️

    @adanechm@adanechm3 жыл бұрын

    • not after brexit..

      @demwunz@demwunz3 жыл бұрын

    • but america is like a a whole bunch of countries in one ....every state is something different

      @kieannaknight1124@kieannaknight11243 жыл бұрын

    • Errr hello you Americans have MEXICO yes please I’ll take that every weekend hunnay!!!!!!!😍😍😍😍😍🥰🥰🥰🥰🥰🥰

      @nataliep6046@nataliep60463 жыл бұрын

    • If you live in Florida you got the Bahamas too

      @nataliep6046@nataliep60463 жыл бұрын

    • @@kieannaknight1124 tru

      @zetovidillard@zetovidillard3 жыл бұрын

  • I’m 20 and I just got a credit card at the beginning of the year and all i do is pay my phone bill with it, pay it back through my debit card, and don’t use again for the month. And it’s been working great my credit score goes up every month ☺️

    @MAMakeupx@MAMakeupx3 жыл бұрын

    • I had a damaged credit issues which include the following: bankruptcy, eviction filling and outstanding rental balance, delinquent state and federal tax debts, a horribly low credit score which affect my credit report. Michael Gibbs from CREDIT PATCH UP LCC came to rescue me and He started the repair which he concluded within a week. He raised my score to 780+, payoff my debts and apply new credit cards with good limit. You can also search on [Gibbs@creditpatchup.com], He is a well known debt relief with a lot of experience.

      @sherryk.timmer4921@sherryk.timmer49213 жыл бұрын

    • @@sherryk.timmer4921 is this real

      @jadeamah@jadeamah3 жыл бұрын

    • @@jadeamah yea , very sure

      @sherryk.timmer4921@sherryk.timmer49213 жыл бұрын

  • “Use credit cards for convenience and NOT for credit”. Advice I heard when I was a student and have lived by ever since. I’ve had some good perks from my credit cards and some great flights/trips.

    @MyAfropuff@MyAfropuff3 жыл бұрын

  • The truth of the matter is YOU DONT need a credit card .. but if you understand how they work and you are disciplined they can give you great perks

    @MarzellCrypto@MarzellCrypto3 жыл бұрын

    • How is that true? How do I finance a house with no credit?

      @andrewn924@andrewn9243 жыл бұрын

    • Marzell Money kzhead.info/sun/i5WGeZSJnKl3ppE/bejne.html

      @marquispalmer9@marquispalmer93 жыл бұрын

    • Andrew Nycz not to mention a lot of things require a major credit card.

      @Bdotdecember@Bdotdecember3 жыл бұрын

  • I've been travelling for the past 8 years to at least one country per year and this year I decided to finally stop BEFORE the pandemic but during quarantine, I withdrew 90% of my points into cashback and invested the money since they were selling very cheaply. I'm going to hold on to those stocks and earn dividends and hopefully live off the passive income when I retire. When you know how to beat the banks in their own games, it's great.

    @akirebara@akirebara3 жыл бұрын

    • What points ?! I am on Barclays and don’t have any points :( Which bank are you using ?

      @MaggyBatanova@MaggyBatanova3 жыл бұрын

    • I’m in New York how do you get that credit card

      @FemiaLove@FemiaLove3 жыл бұрын

    • @@FemiaLove Chase Sapphire Preferred. The Reserve is something like $450 per year which is too much for me since I'm not planning on traveling anytime soon. I didn't realize you can't DM here on KZhead but I want to refer you so that we both get referral bonus points!

      @akirebara@akirebara3 жыл бұрын

    • akirebara kzhead.info/sun/i5WGeZSJnKl3ppE/bejne.html

      @marquispalmer9@marquispalmer93 жыл бұрын

    • Where did you learn all about investing? I’m a beginner and struggling to understand it all but I really want to learn. I’ve watched loads of videos but it still confuses me🥴

      @chloer1620@chloer16203 жыл бұрын

  • As a young adult I appreciate all the financial/life advice you give on this platform. I'm trying to set myself up for financial success early and these videos make it a less boring process.

    @sarahvincent6144@sarahvincent61443 жыл бұрын

    • Sarah Vincent kzhead.info/sun/i5WGeZSJnKl3ppE/bejne.html

      @marquispalmer9@marquispalmer93 жыл бұрын

  • Unfortunately, people like to show how much money they don't have by buying things they can't actually afford on credit cards. I thank God every day for becoming financially smart and not try to keep up with the Jones's. Love your content.

    @DNICEANDFAM@DNICEANDFAM3 жыл бұрын

    • DNICEANDFAM kzhead.info/sun/i5WGeZSJnKl3ppE/bejne.html

      @marquispalmer9@marquispalmer93 жыл бұрын

  • "There are rich people that are broke" 😂😂 Awesome video Awesome personality I LOVE IIIT

    @jamal_7040@jamal_70403 жыл бұрын

    • Jamal _ kzhead.info/sun/i5WGeZSJnKl3ppE/bejne.html

      @marquispalmer9@marquispalmer93 жыл бұрын

  • Oh Patricia where were you 20 years ago? Might have saved me from so much headache and heartbreak! (Big sigh)

    @stevensteven5144@stevensteven51443 жыл бұрын

    • Totally agree, back when companies were practically throwing credit cards and loans at you.

      @lisastukley7119@lisastukley71193 жыл бұрын

    • Remember, the best time to start was 20 years ago...but the second best time to start is today : ))

      @walkinmyshoes1254@walkinmyshoes12543 жыл бұрын

    • Steven Steven kzhead.info/sun/i5WGeZSJnKl3ppE/bejne.html

      @marquispalmer9@marquispalmer93 жыл бұрын

  • Yes I primarily use my credit card for purchases I'm going to make regardless to get those cash back rewards. It's like getting a discount for paying my bills!

    @BlueberryBaby22@BlueberryBaby223 жыл бұрын

  • I was the same. Heard so many bad credit card experiences from friends and for that reason, I never got a credit card for myself. But lately realised it's good for building my credit rating ... so I got one and only use it exclusively to buy things I would normally purchase like groceries etc. Then I'll emediately pay it back within the same week, interest free.

    @megshawskitchen@megshawskitchen3 жыл бұрын

    • do you pay it back with the money in your debit

      @alext3480@alext34803 жыл бұрын

    • @@alext3480 Deeply happy I come across this trustworthy vendor been a second time of getting CC from him *Ericroboti* On telegram much love I have for you 💯✅

      @kikaka3649@kikaka36493 жыл бұрын

  • Yes I agree that we should use our credit cards on the things that we already planned on buying. I personally like Air miles(or any flight credit cards because that mean I get free vacation😌)

    @NeemahSpeaks@NeemahSpeaks3 жыл бұрын

    • I regret not doing that when I went out of state for school 😭 could of had miles stacked while I was traveling back and forth

      @adanechm@adanechm3 жыл бұрын

    • Neemah Speaks kzhead.info/sun/i5WGeZSJnKl3ppE/bejne.html

      @marquispalmer9@marquispalmer93 жыл бұрын

  • 👌🏼👌🏼 love your American Express black card 😂

    @msmintygreen@msmintygreen3 жыл бұрын

  • Seeing the detrimental effects of credit card debt within my family steered me away from wanting a credit card for a VERY long time. Now In my mid twenties I’ve taken the time to learn how to use to use it to my advantage. Using it and paying it off at the end of each month has significantly increased my credit score but always remember to spend within your means! This is something we preach on our channel as well. Thank you for this wonderful content Patricia ! 🙌🏾

    @BossUpwithUS@BossUpwithUS3 жыл бұрын

    • I had a damaged credit issues which include the following: bankruptcy, eviction filling and outstanding rental balance, delinquent state and federal tax debts, a horribly low credit score which affect my credit report. Michael Gibbs from CREDIT PATCH UP LCC came to rescue me and He started the repair which he concluded within a week. He raised my score to 780+, payoff my debts and apply new credit cards with good limit. You can also search on [Gibbs@creditpatchup.com], He is a well known debt relief with a lot of experience.

      @sherryk.timmer4921@sherryk.timmer49213 жыл бұрын

  • I have used this method to build my credit to £5000 in total spread across a few cards. I have only used £230 to buy a tumble dryer and paying off over 3 months so i don't pay interest and i put small subscriptions like netflix on my cards and set a direct debit to pay bill in full. This keeps them active and looking like i manage my credit well. I did this over a course of 18months. I am aiming for £10,000 credit in time for getting my mortgage. That should help cover any major emergencies like needing a new boiler or the roof needs repairing.

    @hmsmith3556@hmsmith35563 жыл бұрын

    • Why wouldn’t you pay interest? If you pay over 3 months, you are definitely paying interest.

      @velwills357@velwills3573 жыл бұрын

    • @@velwills357 Yes, potentially. Unless there is an introductory 0% period?

      @walkinmyshoes1254@walkinmyshoes12543 жыл бұрын

    • Why our your expenses on a credit card? The interest is massively high compared to bank loans. Check this out if ever needed.

      @laurenholmes1634@laurenholmes16343 жыл бұрын

    • Singleton Peach I don’t understand the last bit of your comment....having a £10,000 credit limit to pay for emergencies is very risky.....wouldn’t a much better way be to build a emergency fund, that way if something happens, you don’t go into debt. I have about 5 funds for all sorts of things from car maintenance to holidays, if I need money for something I always have it there in one of my finds....

      @rufdymond@rufdymond3 жыл бұрын

    • @@velwills357 nope. No interest for 3 months. Not an introductory offer.

      @hmsmith3556@hmsmith35563 жыл бұрын

  • I'm literally the only person im my family with credit cards or anything credit related. No one in my family had the knowledge to teach me so I relied on the internet I feel like I'm doing an awesome job because everything you've talked about in this video I am doing now! I'm only 25 got my first card at 20yrs old. Having great credit really makes life extremely easier i can tell you that.

    @MrDoubtful42069@MrDoubtful420693 жыл бұрын

  • Credit cards are very useful and I believe people should get one the second they turn of age BUT only if they are smart with their money. I have too many friends that have gotten into bad financial situations because of them, KNOWLEDGE DETERMINES THIS! They really should teach this in school, its kinda evil haha if not used properly. Thanks for this video!! There are also a lot of online resources as well if youre not in the UK since some countries have different rules etc.

    @karan_karan_karan@karan_karan_karan3 жыл бұрын

  • I wish this channel was around when I came to 18. Credit cards, store cards, finances and loans up to my eyeballs! Checking those debt links in the down bar but they weren’t there! Anyone help?👌🏼 amazing as always Patricia x

    @beckytownsley3035@beckytownsley30353 жыл бұрын

  • Ugh, Patricia, you are such a lifesaver. I’m 21 years old, started my first job a little over a month ago and I literally just got my first credit card two weeks ago through my mom’s line of credit (and then another one from Ulta but I‘m extremely reluctant to use it because I’m scared). I’ve still be using my debit card for most purchases because I just don’t want to dive right in to it because I didn’t feel like I had enough understanding. I appreciated our videos so much. Thank you! Also, I’d love to see the rest of The Break team :)

    @alla.e@alla.e3 жыл бұрын

  • This is right on time, I was just thinking about getting a credit card, but not prematurely. Before I get one, I am making sure I know all important information.

    @loveablej2@loveablej23 жыл бұрын

    • Same for me! I want to know about credit cards front&back; how to manage them, and everything else before I apply for one

      @annikaap2381@annikaap23813 жыл бұрын

    • Annika P Yes same here

      @loveablej2@loveablej23 жыл бұрын

    • Kimberly Barnes Thank you for the information

      @loveablej2@loveablej23 жыл бұрын

    • JAY KRISSY I bank with TD Bank, so I think I’m going stick with them. Thank you

      @loveablej2@loveablej23 жыл бұрын

    • Smart

      @kristinacvetkovic5620@kristinacvetkovic56203 жыл бұрын

  • Patricia our here educating the masses!!!! I’m here for for this content! 👏🏾👏🏾👏🏾

    @beautyisforfun5479@beautyisforfun54793 жыл бұрын

  • My absolute favorite youtuber and channel! Thank you for always educating us 😭💕

    @anikechkarian9474@anikechkarian94743 жыл бұрын

  • I purchase my holidays on a 0% interest CC, and pay it back before the 0% interest period finishes.

    @Queenchar86@Queenchar863 жыл бұрын

    • What's CC😕

      @quelquun2018@quelquun20183 жыл бұрын

    • quelqu'un Credit Card

      @goldengarnet@goldengarnet3 жыл бұрын

    • Queenchar86 kzhead.info/sun/i5WGeZSJnKl3ppE/bejne.html

      @marquispalmer9@marquispalmer93 жыл бұрын

  • I'm finding this channel so informative! I watch all your videos on both channels, but the break has been so valuable! Thankyou ❤️❤️

    @rebeccaloveridge7952@rebeccaloveridge79523 жыл бұрын

  • Really love this channel. Every time I think about something I need to know more about you seem to uplaod that very video! Thanks Patricia x

    @kayleesabrina@kayleesabrina3 жыл бұрын

  • Thank you for the advice! Yesterday I was thinking about getting a credit card and this video today seeing your video in my recommendations was good guidance on how to start! Love your videos definitely a true role model.

    @forever21gladis@forever21gladis3 жыл бұрын

  • This video is gold. Pure gold. Everything you do is pure gold, girl. Keep up the good work.

    @BritoMirna@BritoMirna3 жыл бұрын

  • I love your style! You always pick simple but flattering colors and patterns and I really like it.

    @sharonroze@sharonroze3 жыл бұрын

  • Wow this was so timely for me! I'm literally (as in within the next half hour) about to pay off my credit card and am adamant about being smarter with it going forward. Great tips & sending gratitude all the way from Canada! 🇨🇦

    @Niicolee07@Niicolee073 жыл бұрын

  • I was always afraid of a credit card when I was younger but then I researched and learned how to use it.... I wish I had this video sooner. But thankx

    @tiffanymatejka7411@tiffanymatejka74113 жыл бұрын

  • I've wanted to build my credit history for so long but haven't had a lot guidance when it comes to credit cards so i've just never opened that door, thank you so much for doing this!

    @qamzy90@qamzy903 жыл бұрын

  • My dad was a first generation finance college student that educated himself and subsequently his kids about finances. He is still learning and teaching me along the way. I’m so grateful for that education. They really should teach this stuff in school from a young age but happy we have channels like this to learn from.

    @Cali.fornia.k@Cali.fornia.k3 жыл бұрын

  • I found your channel recently, and I've already learned a lot!! Wish I found your channel in my 20s so I could have sorted out my credit a lot faster. Thanks for all your tips!

    @CatharineMini@CatharineMini3 жыл бұрын

  • Had I learned what you’re teaching years ago! Lol, I’m fixing my credit now so I can’t complain; I learned eventually! I love this channel already ❤️

    @northcat1569@northcat15693 жыл бұрын

  • Great video Patricia!! You always spoke about making a finance channel and I’m so happy you did! Thank you 🤗🤗

    @mizzelleve@mizzelleve3 жыл бұрын

  • Been loving this channel but I was feeling anxious for Patricia that there weren’t any disclaimers. Glad she says it now 😊

    @bukkyjaiye@bukkyjaiye3 жыл бұрын

  • I am sooo early omg Patricia thank you so much for this channel! God bless you! ❤️

    @oddluckyone7985@oddluckyone79853 жыл бұрын

  • Such good advice! I use credit cards in all the positive ways you highlighted. I have a teenage daughter, I wonder if she listens to me, as I try to teach her life skills, so I send her your videos. I honestly wish I could get people like yourself into schools, your delivery is everything.

    @wendymorgan4331@wendymorgan43313 жыл бұрын

    • Wendy Morgan kzhead.info/sun/i5WGeZSJnKl3ppE/bejne.html

      @marquispalmer9@marquispalmer93 жыл бұрын

  • Thanks Patricia - I’m learning a lot from your vids. Thank you so much!!! You do drop those little nuggets of wisdom like a boss🦸‍♀️

    @aimaowen9284@aimaowen92843 жыл бұрын

  • Honestly, thankful for your videos and you helping us out here🥺❤️

    @jesslooks6496@jesslooks64963 жыл бұрын

  • I don’t know why anyone would dislike this video, it’s very informative! Thank you 🙏🏾

    @hadjatamu7186@hadjatamu71863 жыл бұрын

  • Patricia!! I always smile when I watch your videos!! Gurl, you're awesome and I love your sense of humour, even when you're chatting about something serious, like money...

    @jacquelinewhiteley3115@jacquelinewhiteley31153 жыл бұрын

  • I love this channel so much! Such valuable information made simple and coming from a woman we can relate to. Bless youuuu

    @TheBhadmusCorner@TheBhadmusCorner3 жыл бұрын

  • This video was extremely helpful, thank you!! It revealed that many people often think that having credit is equal to free money which it's not!

    @acharles618@acharles6183 жыл бұрын

  • I love how you break things down so it's so easy to understand xx

    @hannahgill5449@hannahgill54493 жыл бұрын

    • Lazy Days kzhead.info/sun/i5WGeZSJnKl3ppE/bejne.html

      @marquispalmer9@marquispalmer93 жыл бұрын

  • I was so lucky that the executive at the bank explained me the dates and deadlines and to always pay all the credit to avoid interest, he was so nice I was so young and I have never had debt, but I get great credit offers now. So important to know how to use it!!!

    @anacarmes@anacarmes3 жыл бұрын

  • I needed this ! now let's continue watching ...

    @Stylerelativity@Stylerelativity3 жыл бұрын

  • Wise words, I've lived by a lot of these! Thank you for sharing 💯

    @iamsirjeff@iamsirjeff3 жыл бұрын

    • Jeffrey Clarke kzhead.info/sun/i5WGeZSJnKl3ppE/bejne.html

      @marquispalmer9@marquispalmer93 жыл бұрын

  • Hi Patricia, so happy with your financial tips. I've only had my credit card for two years now and in the beginning I only used it for when I was on holiday. Because in alot of countries you cannot use Cirrus anymore. So I got my Mastercard to make my vacationing easier. Now I also use the card for purchases of which I want them to be insured in case something goes wrong with the seller. And I never buy things that I actually cannot afford. I have heard the horror stories of mountain high credit card debts and they scare me immensely. So I use my card wisely and only for money I already have to spend.

    @TrinityGal71@TrinityGal713 жыл бұрын

  • Great tips! For years I was overspending on credit cards and playing hot potato with 0% intro offers. Yikes. But I committed to paying it all of last year (got there on Dec 23 lol). Now I have one card for recurring bills that gives cash back that goes to my savings, and another for groceries/gas for travel points. Happy to say I pay my balances every month now!!

    @tanyalua8774@tanyalua87743 жыл бұрын

  • I'm now 36 and because I still haven't fully mastered the concept of being a good money manager, I have never gotten a credit card due to fear of course! But you explained some points that I never knew of before but I intend to exercise all for the sake of building a "credit score". Thanks Patricia. XOXO

    @michimichi2295@michimichi22953 жыл бұрын

  • Love your videos! This was very helpful and inspiring, as usual!

    @rayshaundw@rayshaundw3 жыл бұрын

  • Thank god I learned these tips from my dad from an early age 🙏🏽. No credit card debt here.

    @amoyanderson825@amoyanderson8253 жыл бұрын

  • this whole channel really was such a great idea Patricia 🙏🏽👏🏽🙌🏽

    @kalenesantana@kalenesantana3 жыл бұрын

    • Kalene Santana kzhead.info/sun/i5WGeZSJnKl3ppE/bejne.html

      @marquispalmer9@marquispalmer93 жыл бұрын

  • Patricia's out here doing the lords work!! Would be great if you could cover how to responsibly use Credit Klarna, particularly for younger consumers

    @no1gifted@no1gifted3 жыл бұрын

  • All facts. I had the best statistics professor in college who had convocation lik this on how to use credit right. Thanks for the good info

    @nishaajanvierr7045@nishaajanvierr70453 жыл бұрын

  • I love this Patricia! You inspired me to start my own KZhead channel so Thank you 🖤

    @dearlyflorence4512@dearlyflorence45123 жыл бұрын

  • Absolutely key advice for me. I’ve never known most of this so thank you x

    @PinkytipsByAstride@PinkytipsByAstride3 жыл бұрын

  • YouTanyaTube I got a credit card just before I reserved my first house to build up my credit score as I’d never had credit before. I got a points credit card so I get vouchers to spend on the high street once I have enough points to redeem. To build up my credit, I used to only use my card for petrol at the beginning of the month and then pay if off straight away. Definitely one of the best things I did as my credit score is amazing. Nowadays I use my credit card for that protection for when I’m booking things for my wedding, for holidays etc. Once again another informative and fun video Patricia :) xxxx

    @YouTanyaTube@YouTanyaTube3 жыл бұрын

  • I've done something similar. Get a funds transfer into your current account. The handling fee these days is between 2 and 4 % and the balance is usually interest free for at least 18 months ( more on some cards.) The handling fee is well below the rate of inflation, so as long as you are using the money to buy capital appreciating assets ( eg gold or shares) then you are investing using none of your own money. Pay the minimum payment ( between .5 and 1% of the sum borrowed) on a direct debit. When the interest free period runs out, you need a way of paying it back. Or you can use another card to transfer the balance.

    @billyshears5569@billyshears55693 жыл бұрын

  • I am so grateful for this channel. Thank you so much!! Also can you do more videos on investing, ETFs etc

    @amka4809@amka48093 жыл бұрын

  • I have two credit cards and use them regularly. In order to avoid being in credit card debt, I pay off the balances in full every other week.

    @Runnerwriter87@Runnerwriter873 жыл бұрын

  • Listen sis they not hearing youuuu! Im so happy you made this channel. ❤️

    @locbaekae@locbaekae3 жыл бұрын

  • I needed this 5 years, thankfully I have a plan now and am almost debt free now.

    @happyascanbe@happyascanbe3 жыл бұрын

  • Love all this info! Thanks for making these videos 👍🏽

    @FaithSanders@FaithSanders3 жыл бұрын

  • I’ve heard way too many horror stories about credit cards, so be responsible when you’re spending that cash!!! Like Patricia said - use it wisely! 👏🏾

    @SamsJourney@SamsJourney3 жыл бұрын

  • This is brilliant! I swear I was just talking about getting my first credit card and now I have this to refer to.

    @LattyW17@LattyW173 жыл бұрын

    • kzhead.info/sun/i5WGeZSJnKl3ppE/bejne.html Wint

      @marquispalmer9@marquispalmer93 жыл бұрын

  • Some people will probably use it to buy that bag you showed us in the beginning. It’s tempting by the way 😍

    @GracefulKnots@GracefulKnots3 жыл бұрын

  • At the end of the day only use credit card when you can afford it. Use credit card only for the benefits like rewards and security

    @casstsj@casstsj3 жыл бұрын

  • Good info Patricia! You never disappoint me 😩

    @KhidrAlexandria@KhidrAlexandria3 жыл бұрын

  • These Videos Are So Helpful! Thank You❤️

    @shefilms@shefilms3 жыл бұрын

  • Please can you make a video about property investment, how to get into it, what you need etc. LOVE your channel!! ❤️

    @SXH.@SXH.3 жыл бұрын

  • This was good for my research. I’m on the verge of making my credit card video for my channel. Good info. Thanks!

    @MaiaUnfiltered@MaiaUnfiltered3 жыл бұрын

  • I have been using my credit card to improve my credit rating for 5 years now ,this is a great advise . Always cover the amount you spent in full by the end of the month ladies please .

    @loucadoida3327@loucadoida33273 жыл бұрын

  • Thank you so much for your wisdom and the tips your so great your personality and all your tips !!

    @matnabhanban3368@matnabhanban33683 жыл бұрын

  • I really really really really really really REALLY like your energy and content!

    @Plantjournalentries@Plantjournalentries3 жыл бұрын

  • Withdrawing money on credit card is an interesting one particularly when abroad. I found out it was a lot cheaper to withdraw money on my credit card in a country like Comoros than when I did on my debit card. I travel a lot but haven't paid attention to this until I was in Comoros. It might be same for many other locations as well.

    @adugyamfilbo@adugyamfilbo3 жыл бұрын

  • Really great tips🙌🏾. I was that irresponsible user who never thought of my credit card as debt since I paid continuously and would sometimes just pay down the entire balance owed like twice a year just because I could. It wasnt until i had used it for an emergency that took my balance way down that i really felt the weight of living under that debt. At the beginning of 2020, I began working at correcting the habits that had lead me to where I was and thankfully I have been able to reverse the damage I did by making more responsible decisions and being proactive about financial planning. Just goes to show that it's never too late to change the course of your finances. You just need the will to do it💞

    @jaelasam@jaelasam3 жыл бұрын

  • You're video are soooo fun to watch and very educative... And I love your accent :)

    @jessicamourre2660@jessicamourre26603 жыл бұрын

  • thank you!! My first card literally just came in!!

    @annacanales4567@annacanales45673 жыл бұрын

  • Binged all the videos on this channel! I'm obsessed!!! 😛😛💛

    @jeessicakae@jeessicakae3 жыл бұрын

    • Jessica Karina kzhead.info/sun/i5WGeZSJnKl3ppE/bejne.html

      @marquispalmer9@marquispalmer93 жыл бұрын

  • Pat I signed up for your course! I’m so excited to be a boss plant babe !!!

    @HauzPlant@HauzPlant3 жыл бұрын

  • This channel is God sent

    @reni8413@reni84133 жыл бұрын

  • Patricia - I think you used to do modeling...Good to see you Helping ppl get credit

    @CoachAnthonyMiller@CoachAnthonyMiller3 жыл бұрын

  • love this.... please do a video on Klarna, clearpay...etc.

    @tracypk_5898@tracypk_58983 жыл бұрын

  • Thanks for always educating us gurl😍♥️ Thanks

    @MsWorkInProgress@MsWorkInProgress3 жыл бұрын

  • Shivers at that warning ⚠️

    @MetrogypsieS@MetrogypsieS3 жыл бұрын

  • I use my credit card instead of my debit and then just pay it off in full at the end of the month. I don't spend more than I have or know I will have and then all the money I have spent convert into points/offers.

    @MissPirate29@MissPirate293 жыл бұрын

  • Thank you! Very helpful.

    @JaiClaire880@JaiClaire8803 жыл бұрын

  • I only got a creditcard for the cash back rule! Thanks for this video!

    @VictorRegouin@VictorRegouin3 жыл бұрын

  • Credit card debt-free and loving it. I use (mainly) 2 credit cards for automatic payments for subscriptions like Netflix, gifts, and personal purchases that I pay off right away. I used all the tips and committed the "don't do" as well along the way. Presently, I am paying off my car loan of $8,000. I am in my late 50s and my credit card debt was $25,000 to $30, 000. I had to move out of my rental back home and start over financially. Now I need to let my money make me money. I want to learn about investing to generate income while in retirement.

    @EothainaEllery@EothainaEllery3 жыл бұрын

  • I learned so much real life lessons within this 12 mins than ive ever learned at school.... Lord knows i dont need geometry.... but i sure couldve utilize a class on credit cards

    @kalvin9027@kalvin90273 жыл бұрын

  • "a little trip locally to, Spain". Priceless.

    @theodoregreen687@theodoregreen6873 жыл бұрын

    • Me, in Atlanta: Yes, Spain!

      @MsRight-sb5ds@MsRight-sb5ds3 жыл бұрын

    • Theodore Green kzhead.info/sun/i5WGeZSJnKl3ppE/bejne.html

      @marquispalmer9@marquispalmer93 жыл бұрын

  • Patricia, this content you are creating on this platform is so incredible. I am watching every video and I even ranged the bell (which i rarely do). You are not only entertaining, but also super knowledgable. I am interested in what do you think one can do with around 13k CAD in savings (I hate spending money xd) and I got a CC with a limit of 1500$ (as a newcomer with no credit score in Canada) and I am do against credit cards but they are so necessary in canada to build credit score and to even rent a car or buy tickets to concerts. I am watching your channel cause I want to know how best to deal with my savings as i don't want to spend them.

    @patriciaf844@patriciaf8443 жыл бұрын

  • I was just talking to a client about improving her credit using credit cards. Like literally just hit “send” on that message. 😊

    @briannacoleman@briannacoleman3 жыл бұрын

    • I need improving my saving skills... what did you work, if this is OK to ask?

      @JustRonka@JustRonka3 жыл бұрын

    • Brianna Coleman kzhead.info/sun/i5WGeZSJnKl3ppE/bejne.html

      @marquispalmer9@marquispalmer93 жыл бұрын

  • Love this - can you do a video on interest rates please x

    @jiigglesz09@jiigglesz093 жыл бұрын
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