The Credit Insider: The Real Way Credit Is Built (Not What TikTok Tells You) скачать в хорошем качестве

The Credit Insider: The Real Way Credit Is Built (Not What TikTok Tells You)

Why does credit grow faster for some people even when they start at the same place? Is there actually a “right” way to pay your credit cards? In this Episode, George Wong, Certified Banking & Credit Analyst and Certified Equifax Credit Professional, goes deeper into how credit is actually built and evaluated. This episode cuts through common myths around utilization, payment timing, and credit scores, and explains how lenders look at behavior, patterns, and risk over time. Credit is not just about doing the “right” things, but about how your full profile tells a story lenders can trust. In this episode, George breaks down: Why two people with identical credit cards can grow credit at very different speeds The truth about payment timing, due dates, and why “on time” isn’t always enough What credit utilization really signals to lenders (and when it matters) Why using 100% of your limit isn’t always bad (but can become a problem later) How lenders think about worst-case scenarios and risk Why thin files, newcomers, and limited credit history create hesitation The real difference between credit score and credit behavior This episode is about understanding how credit works in practice, so you can avoid surface-level advice and build a profile lenders actually trust. This is The Certified Credit Dude. __ 🎉 $200 Cash Giveaway – February 🎉 How to enter: 1. Subscribe to The Certified Credit Dude on YouTube 2. Like & share this video 3. Comment what you’d use the $200 for Terms: • 18+ | Canada residents only • One entry per YouTube account • Closes end of February • Winner contacted directly by us and announced in the first March video • For educational community engagement only • Duplicate, fake, or automated accounts disqualified • We reserve the right to verify eligibility and to modify or cancel the giveaway rules if necessary