Here Are The Best Credit Cards For Beginners In 2023

So this is one of those videos, that I rarely make, it’s a bait and switch video, which I’m not a fan of making but there are some massive benefits to making videos. Not for me but for the people that watch them.

First off in this video I’ll tell you the top 3 crerdit cards, but I will also tell you after I give you what you came for, why I don’t have credit card, how I bought a home without credit, and also a car; and why today I live debt free and I don’t owe any money at all.

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If youre are a beginner watching this video and you want to get credit cards to buildl credit here are the best

First secured credit cards are best for people new to credit

And secured credit card, are that require a cash deposit

So if you don’t pay they can take your money

So here is my list of the best secured credit cards

Capital one secured credit card

Discover secured credit card

Chime also has a credit builder account

OpenSky but it has a $35 annual fee but they basically accept anyone

Now Here are some normal credit cards

Discover it card

Chase Freedom Credit card

Capital platinum.

Now these credit cards, are gateway cards and they are pretty easy to qualify for

They can be used for students, people new to credit and so on

But if you have a terrible credit score because of bad paying habits or whatever the reason is

You could be better off with credit builder accounts and credit cards with annual fee but that will accept you

Here what you didn’t come for but if you stay it may change your life

You don’t need a credit card at all and they give you a bunch of Reason which are really excuses and traps to get you to get one

First you didn’t earn a credit card application

Credit cards are not for emergencies

Points don’t matter

100% of the people that use credit cards are in debt

You don’t need to build Credit

Okay lets break this down point by point

Most likely you’re getting offers

These offers are made because they want to get you on the hook early on

When you are most ignorant about interest rates and spending habits

So you will get offers like no interest for 12 months and so on, don’t fall for it

Credit for emergency

Imagine using a credit card as emergency that if things go wrong or get worst

You have to continue to pay interest.

Just get a debit card and build up some savings.

Points don’t matter

To get a $1 you have to spend $100

Most point go on un-used

And people tend to spend 12-18% with credit cards, so point are just a catch

Plus one missed payment and boom points gone ( in the same of interest is super high )

100% are in debt

If every person that plays is in debt why would you play this game

Plus the ones that get really hurt, get stuck with 4-6 grand worth of credit card debt

And they don’t even remember what they bought

You don’t need to build Credit

Car you can buy cash ( buy something affordable )

Apartment can use your bill history and so can insruance by the way (and income )

I recommend

Don’t get a credit card

Focus all your energy on building wealth, via staying debt free, saving for emergencies, investing and focusing on paying off a home or saving up for one
Credit is one of things that gets a lot of people hurt, and even the ones that don’t get hurt, end up spending more

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*Some of the links and other products that appear on this video are from companies in which Tommy Bryson will earn an affiliate commission or referral bonus. Tommy Bryson is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. I’m an Accountant but I’m not your Accountant, always review information with your Accountant/CPA and your Financial Advisor.

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