Today's video went on about the top five card
that you can use to rebuild your credit so you can buy a house
or for anything else that you own your credit related.
I know personally, I use a lot of these cards.
When we filed bankruptcy, it was ten plus years ago.
But I use a lot of these cards to help get me to the 800 scores I have today.
And you can do it as well.
Let's go to talk about the top cards that you can use. Here we go.
First one is a credit one bank, a platinum card for rebuilding credit
has a $300 limit and also has no security deposit needed.
And so most people will get a proof of that.
This card has 1% cash back eligible for transactions.
It's available. It's available to people with bad or no credit.
And they also have automatic credit line increase review.
So some of the cards, it has a $75 annual fee.
So it has a very small low every $300 as it has a very high IPR.
I mean, it's not random generous card.
At the end of the day, the credit card companies are in business to make money,
so they're going to whack you.
So it's a pretty IPR and it's a very it also has a very low credit limit.
So you need to make sure that you pay this card, you know, use it.
Maybe you get gas, you know, keep it paid off, but continue to use it and over
time is going to rebuild your credit.
Okay.
The next one is the open sky secured a Visa credit card.
Okay.
I like this card because there's no credit check needed.
Okay.
However, what I don't like about it is that you have to have a security deposit.
So you had to put down $20 in cash and so you to borrow
from your parents or whatnot, but you get $200 cash, you
give it to them, they secure it, and then use your credit card to use.
There's no credit check needed.
So basically, you're going to get to prove this card.
Okay. So there's no credit check needed.
However, one of the drawbacks is that you have to give them $200 to secure.
It's called a secure credit card.
So to give them $2, you get approved.
Here's a Visa logo, credit card that you can use.
And again, you get groceries, get gas, keep it pay down
because one another convert has a $35 annual fee.
So it's not as high as some others,
but does have an annual fee that you have to pay for.
So if you have bad credit or no credit, this credit card is probably
one of the first ones to start because it's a secured card,
because basically everyone's approved for it.
It's definitely something that you should look into because it dawned on me.
And then Dempsey, mortgage broker
and owner of Treasure Coast Mortgage here in Portsmouth,
say I help several clients like you improve their credit scores and buy homes.
Go and leave it like in this video.
Definitely YouTube robots know we're still alive.
Well, that being said, let's get into it.
The next one up is the Discover It secure credit card.
And this is one of the best secured credit cards out there, actually.
So the positives, it has no annual fee.
It has some pretty good rewards, 2% back at gas stations, which is how I recommend
that you use these cards to get gas, get small expenses.
You can keep them paid down, paid off, you know, 2% to add gas station 1%.
And restaurants also has a introductory app offers
first six months in then email address to a number normal credit card.
So those are some of the positives, some of the negatives.
Of course, it's a secure card, so you have to pony up some cash
to give them to security credit card.
But again, that negative is also positive because basically everyone is approved
or it might be here.
I had no credit or damaged credit.
It's definitely some place to start.
So that's definitely good card to check out.
Next one is the Capital One platinum credit card.
And this is a good one for people with no credit.
Is it pretty easy to get approved for once?
If you have bad credit, you might not get approved for it.
But if you have, you know, you're looking to build credit, you know, from nothing.
This is definitely good way to do because a lot of folks will get approved for it.
Some of the other positives that have no annual fee are some definitely some good.
But the drawbacks, it definitely has a very high IPR.
Just one. So basically,
you know, it's going to mitigate its risk really for your credit one.
So ultimately for your if you have no credit, you're going to make up for it.
So it's definitely a good card to get again and keep it paid off.
You know, give a small balance, keep it paid off.
And that way you build a history, but it easy approval and I like it very much.
You know
so basically if you're new to credit, if you have no credit, you know this
the Capital one card is definitely going to go
next one is a capital one, Quicksilver, one cash rewards card.
And this is good.
If you are a rewards junky and you're a decent credit or fair, you're on your way.
Maybe you graduated from those credit cards
and you're on this card if you get some good rewards.
And what I like about it, you know,
you see you see Samuel Jackson on on there all the time talking about this card.
If you want to have around one and a half percent back for all cash purchases.
You know what I don't like about it? It's got a $39 annual fee.
It's got a high IPR.
But I mean, really, what credit card doesn't have any IPR?
Be responsibly paid off? It's good.
You take advantage of the one and a half percent cash back
and you might make Indian objects and pretty happy
in order to take advantage this card.
You know, they say you have to spend it about $217 a month.
So if you're going to spend money on this card, you're missing about, you
know, two, $300 a month is what you need to spend to make it make it worth it.
So this is like I said, you graduated, you know, past those other cards.
You're on your mid-tier, you're trying to get some cash back and build your credit.
That this quotes over one card is definitely a good place to start.
And you'll you'll pay for Samuel Jackson's appearances.
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