Go to [ Ссылка ] - Code DANNYSULLY20 to get 20% off your first purchase. This video covers The 4 BEST Credit Cards For Beginners that require No Annual Fees. By understanding credit cards and taking proper action, you could earn free rewards, reap travel benefits, and even have a much easier time with loans. - Enjoy! Click "Show More" to see Ad Disclosure

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⏰ Timestamps ⏰
00:00 Intro
00:27 Before Applying
02:53 Card #1
05:25 Card #2
07:09 Card #3
08:43 Card #4

📝 What are the 5 main factors that affect your credit score?
1. Payment History: Whether you pay your bills on time.
2. Credit Utilization: How much of your available credit you're using.
3. Length of Credit History: How long your credit accounts have been open.
4. New Credit: How many new credit accounts you've recently opened.
5. Credit Mix: The variety of credit types you have (credit cards, loans, etc.).

What is a secured credit card?
A secured credit card is a type of credit card that requires you to make a cash deposit upfront. This deposit acts as collateral and typically serves as your credit limit. For example, if you deposit $300, your credit limit will likely be $300. Secured credit cards are usually designed for people who are building or rebuilding their credit. By using the card responsibly and making on-time payments, you can improve your credit score over time and eventually get an unsecured card.

What is credit piggybacking?
Credit piggybacking is when someone with a good credit history adds another person, usually someone with poor or no credit, as an authorized user on their credit card account. The person being added doesn't need to use the card or even have access to it. Instead, they benefit from the positive credit history of the main cardholder, which can help improve their own credit score. It’s a way for people to build or boost their credit quickly by "piggybacking" on someone else's established credit.

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Advertiser Disclosure:
This video may contain links through which I am compensated when you click on or are approved for offers. The information in this video was not provided by any of the companies mentioned and has not been reviewed, approved, or otherwise endorsed by any of these entities. The content on this page is accurate as of the posting date and some of the offers mentioned may have expired.

Danny is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as MileValue.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers.”

Disclaimer: This content is for entertainment only and does not constitute legal, tax, or financial advice. It is for general informational purposes. The presenter is not a licensed professional. Viewers should consult their attorney, accountant, or financial advisor for advice on specific legal, tax, or financial issues.

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