What Affects Credit Score? #finsubito agevolazioni

1. Bro went from giving school advice to money/retirement advice

2. Real

3. Gohar for example what if you need to spend more than 30% for health purposes, rent, etc. Do you still lise credit score?

4. Buddy is just way too chill ngl💩💩💩💩

5. Paying it off every single week works

6. No Fuck

7. This is nor you bro

8. Waste of time because of the fees they have on credit cards not debit cards beware people who use credit cards bad idea to do

9. I prefer debit card.

10. My dad is an absolute beast in financial literacy, this is the mindset I learned from him: a credit card is just a magic debit card that gets you Responsibility Points™️. All you have to do is press a few buttons every month (or set up auto-pay). The Responsibility Points™️ are the only magic. You are not paying for something later, you are paying for it NOW but your bank will only catch up at the end of the month. The credit balance helps you figure out how much money you ACTUALLY have in the meantime (bank balance – credit balance).

    Your credit line is a meaningless number EXCEPT in the event that you are able to get an increase, in which case that helps you get more Responsibility Points™️. More cards get you more points also. And of course there are other benefits like cashback and miles (basically free money if you're already using the "magic debit card" mindset and making all your payments on time).

    Responsibility Points™️ are good because you may want to borrow a crap ton of money one day, because idk maybe you'll want a house, and you need a number that tells the people with the money how responsible you're gonna be with it.

    Using a credit card exclusively is also a great budgeting hack because keeping your utilization down becomes the same as keeping your spending down.

    My dad started pressuring me to get one the second I turned 18, and I was confused because I didn't need to be borrowing any money, but I'm 19 now and have a pretty good score so he was right all along.

    Do not get a credit card for "free money," get one to build credit and to get whatever rewards the card gives you.

11. How does Gohar teach how the bank works:- ❤️🎁❌✔️💖🙏🏽👏🏽👍🏽

    Bank lore :-💥✊🏽🗣️🔥🤡🤬👹💀☠️

12. Number one tip. Dont get a credit card. Ever.

13. chat remind me in like 3 years

14. Normal Germans and Austrian don't get Credit cards because we use BANKOMATKARTE

15. Me as a 12yr old who will probably forget this whole thing: hmm… nice!

16. 😂😂

17. Credit Score dosent exist in iran so… Useless infomation

18. My class in high-school literally just taught me this, i have a whole powerpoint in paper on how credit cards work and stuff

19. The fastest way to ruin your credit score is by not buying made in China products

20. Alr thx

21. A little correction to Credit usage keeping it under 10% but above 0% is actually how to best increase your score to be in top tier 800+ range. 20-30% does work at first if building credit, but once you have an established score you need to switch to the 1%-10% usage range and let that report to the bureaus for best results

22. Now thats why instant ramen exists

23. Easy trick to boost score over time — set up recurring subscription services to auto-pay from the credit card, but then immediately pay off the debt from the charge. Anything from gaming online networks to streaming services to Amazon Prime

24. Gohar how do you get a unique and neat handwriting

25. Who would even want to take a loan anyway?

26. Really the lesson here is don't buy useless shit you can't afford..

27. Who cares he got lego

28. Jist use a debit card

29. Thanks

30. That’s why you get a Debit card, less confusing.

31. “Sorry we can’t give you the loan”
    “You sure? I follow Gohar”
    “I meant to say that you got the loan”

32. You’re drawings are amazing

33. I uh I don’t know my credit score I’m 20 and I don’t like being in the red I also dislike missing payments and also having negative cash flow and not saving money so uh how do u check ur credit score

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