Скачать с ютуб Credit Cards 101 | Beginners Guide to Credit Cards & Credit Score в хорошем качестве

Credit Cards 101 | Beginners Guide to Credit Cards & Credit Score

Credit cards are a great tool if you use them responsibly & pay them off in full each month. The main pros revolve around being able to build your credit score which can help you secure lower rates on things such as mortgages, as well as receiving free perks. The cons are getting yourself in huge sums of debt by abusing the 'free' money that you are given, which can have long-lasting negative consequences. If you haven't got a credit card then look into 'credit builder' cards. These cards will help you build your credit score. If you have already got a credit card then take a look into getting an Amex. When it comes to building your credit score the 3 step approach that I used to build my score was: 1. Get a credit builder card 2. Set up a direct debit to automatically pay your card off in full each month 3. Put normal, everyday expenses on your card When it comes to your actual credit score, there are 3 main credit agencies - Experian, Equifax & Transunion. And we can check our score for free on Experian, ClearScore & Credit Karma. The key high impact items that affect our credit score are payment history, credit limit & credit utilisation. I explain this in more detail in the video, check out the timestamps below. ⏳ Timestamps: 0:00 - Intro 0:20 - Overview 1:07 - Pros and Cons 2:34 - What Credit Card to get? 3:27 - How to build Credit Score easily 4:40 - How to check Credit Score for free 6:01 - High impact Credit Score items 🤝 Thanks to my friend Stan for letting me use his camera -    / @stanwithaplan   ⚠️ Disclaimer: I am not a financial advisor. This video is for entertainment purposes only. Please seek professional advice to get the best information for your personal situation. You are responsible for the financial decisions that you choose to make. 📕 New To Investing? Download my FREE 61 page ebook - https://bit.ly/2Dwocr6 I have received hundreds of messages over the years so thought I would condense all of the basics of investing into an easy-to-read completely free ebook. It currently has 1,600+ downloads! 💷 Freetrade Free Share - https://magic.freetrade.io/join/ryan/... 💷 Trading212 Free Share - http://www.trading212.com/invite/Fg39... 💷 Stake Free Share - https://hellostake.com/referral-progr... 💷 Coinbase - https://www.coinbase.com/join/king_kop 📚 Recommended Reading - https://www.amazon.co.uk/shop/makingm... (These are affiliate links. If you buy through my link I will receive a free share/small commission. I really appreciate if you use my links!) Making Money Simple Platforms: 🎙️ PODCAST (weekly episodes) - https://spoti.fi/3mMbbLg 📸 Instagram -   / makingmoneysimple   🐦 Twitter -   / makingmsimple   🕺 TikTok -   / makingmoneysimple   🗣️ Facebook -   / makingmoneysimple   💭 LinkedIn -   / making-money-simple   📝 Blog - https://makingmoneysimple.co.uk/ 📰 Newsletter (sent monthly) - https://bit.ly/3roNpIB 🙋‍♂️ Who Am I? My name is Ryan, I'm 23 and currently working in London as a trainee chartered accountant whilst completing the ACA exams. I graduated with a degree in Economics in 2019. Making Money Simple was established in 2019 and is a Financial Education platform. The main aim is to spread Financial Education in an easy to understand and jargon-free way. The main purpose is to get people investing to help them achieve financial freedom. 📱 Contact me: Feel free to leave a comment on this video or DM me on Instagram. 📩 Business enquiries: [email protected] 📺 References: Credit Builder cards - https://www.moneysupermarket.com/cred... Credit Builder cards- https://www.money.co.uk/credit-cards/... High Impact Credit Score Items - https://help.creditkarma.co.uk/s/arti... 3 Credit Agencies - https://kenstechtips.com/index.php/mo... Tom Jones Meme - https://www.memecreator.org/meme/i-do... No brainer GIF - https://giphy.com/gifs/no-brainer-rap... Woo baby Meme -    • Woooo Yeah Baby!   Big Shaq Quick Maths -    • 2+2=4 -1=3 quick mafs   Wow & Shaq Memes -    • Видео   🎧 Music: THNK U - Jay Someday [Audio Library Release] -    • THNK U — Jay Someday | Free Backgroun...   ⚡Subscriber Count: 303