THE ONLY 5 CREDIT CARDS YOU WILL EVER NEED

I like credit cards because it’s a fast way to build your credit score, and today I’m going to tell you the 5 credit cards that I use and that I also recommend.

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1. My Current Credit Score
– On November 2019 my credit score was around 681
– In less a year today my credit score is 762 which is considered excellent credit
– But the change didn’t happen because I got more credit cards, bought more stuff or paid annual fees it happen with one simple change. ( I just made one simple change to the way I used my credit cards and my credit score shot up in less than 3 months)

But before we talk about that, let’s into the credit cards that I have and how I actually use them. ( which not the most popular way, according to a lot of credit card YouTubers )

2. Here are my Credit Cards:
– Honestly these credit cards not that great but they do the job I want them to
– And that’s what’s important
– And none of these credit cards have ever seen a dollar from interest from me or any annual fees.

The cards:
Capital one card: Tube Buddy $15 a month
– This keeps the card active, and it helps my credit score with the payment history which accounts for 35% of my credit score.
– Aside from that its an easy card to qualify for, but has no real benefits

Chase unlimited card: Blink fitness Bill $15 a month
– Keeps the card active and also gives me 1.5% cashback
– And it’s also a pretty good card for travel giving you 5% or so

Barclaycard apple rewards: Boss Revolution $10 a month
– This is my oldest card and it’s not even available anymore
– Use to be 3 points per every dollar you spend at the apple store
– But now the apple card has come out, and basically took over

Discover credit card: Phone bill 200 a month
– I get 1-5% cashback and honestly one of my favorite cards

Amazon Prime Store card: ( haven’t added a bill here ) – when I buy a physical book I put it on it
– Give literally 5% cashback on things I buy at amazon
– So if I buy a book I’ll put it on it and that’s it

Mattress Firm:
– This company gave me 2 years of interest-free payments to pay for this bed
– So I took the card, I paid $1000 for a bed which a lot but something that I use every day so it’s good,

Tip: in total, this is a line of credit of around 30k maybe more, and for some people, they say Tommy that’s so low, but my questions is, how much do you have in cash, assets, and your investments. I don’t care about the line of credit I care about the credit score, and that I can then get a line of credit on a home for 500-700k that’s what I care about.

Instead of that, I would have gone with
– Citi double cash after the mattress firm balance is done

3. Overall the reason my credit score is so high
– Is because I focused on the important part of my credit cards and my credit score
– Not really the points or line of credit: but more about the system I created.
– The main three parts of your score are literally Payment history, the amount owed, and length of credit history

So I just created a system where:
– I keep balance low
– And pay them in full each month
– And I don’t close accounts
– Its that’s simple

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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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