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hello everyone and welcome back to a new video shows the name and credits is the game today we got a classic catch-22 situation today if you've got no scores or bad credit scores you need a credit card to get them up well problem is if you've got no scores or bad scores you can't get approved for a credit card so what do you do it's pretty simple you just click that like button on this video all right but this is a situation that a lot of people are in so if you're sitting there going man I'm like the only person in the world no you're wrong there are millions of people who have been in your exact same shoes who have bad credit or no credit and they can't get approved for a credit card that's why there's credit card companies that have designed cards to help individuals like you which is what we're gonna be talking about today yep today I'm going to be giving you my three favorite credit cards that anyone can get to raise your scores up so you can start qualifying for some really sick cards like this guy oh and before I get into those three cards I highly recommend you watch my other videos on credit I'll link down below for you there's just so much to know about credit that even if I give you these three cards today and you go open up one of them and you're trying to use it your scores aren't going up there's just there's so much to know about credit that you don't watch those videos or know what's going on it could take your entire lifetime to get to that 800 credit score range I mean if you ever make it at all so highly recommend you go watch those videos after this one alright let's talk about my three favorite credit cards that anyone can get approved for to get your credit back on track and I will say that all three of these cards do report to the three different credit bureaus TransUnion Equifax and Experian so that's important to note with your credit card all the ones I'm going to talk about today report to all three which is huge when you're trying to build your credit now I will say that these three cards today are not the sexiest of cards they are not going to giving you tons of cash back or having all these great perks and bonuses these cards are solely there to get your scores back up so then you can qualify for those sexy cards that give you some amazing benefits oh and if you want a little secret on how to beat the credit card game and just like a shortcut to getting incredibly high credit scores and hang out to the end of the video I will drop that on you then but okay let's start with our cards now the first card I'm going to talk about is probably the best card out of the list so I want you to start here if you can't get approved for the first one go to the second one if you can't get approved for the second one then your failed proof method is to go for the third one but you want to start at one two then three okay the number one card I recommend to build your credit is going to be the one and only the discover it secured credit card baby this has a zero dollar annual fee which is huge huge when you're trying to build your credit because most cards charge annual fees because they're like yeah this guy doesn't have the best credit so let's just kick them while he's down I know credit card companies are terrible but another great thing about this card is you actually get 1% to 2% cash back on purchases which is insane for a secured credit card and to top that off Discover will actually match your cash back during your first year which again is insane for a secured credit card then lastly the secured credit card only makes you put $200 towards it so if you don't know what it's your credit card is it's essentially you giving Discover $200 and saying here's my $200 they're gonna say okay thank you we're gonna give you a credit card that has a 200 dollar limit on it and then it acts like a normal credit card you charge it you make payments you charge it you make payments and it's a normal credit card then when you actually close that account Discover goes hey thanks for being a customer here's the $200 you gave us at the beginning take that back into your bank account it's a secured line of credit to ensure you are successful when using that credit card and really so the credit card company actually has some collateral on you and again this is my number one choice so you're gonna want to start with this card if you can get approved for this and get all these benefits right it's gonna be in your best interest and I know it's gonna cost you $200 upfront to get it but I would 100% recommend it if you can do it but let's say you unfortunately don't get approved for the Discover it secured credit card we can move on to our plan B which is our number two card I love this card I always recommend this card to my clients who are trying to get a mortgage and they just don't have the best credit because honestly I haven't seen anyone get denied for this card yet it's amazing it is the open sky secured credit line these guys that open sky know what's going on they are awesome they don't even pull a credit report to approve you for this card I don't understand how that works but they literally do not pull a credit report so if you're like I've got the worst credit scores on the face of the earth you could still get approved for this card because they do not pull a report their job and their focus is to give you the tools to get your credit back on track and I will say this car doesn't give you any cash back or any of those goodies or any of that stuff but there's no annual fees in every single person that I've told to get one again has been approved now again this is a secured credit card which means there is a minimum limit of $200 so you do have to put that money upfront to get the card but again when you close the account you get it back OpenSky is a total winner I love them I love that card it's amazing but let's say you don't get approved for the discover it secure credit card and open sky you just you don't have the $200 to put down on a secured line of credit what do we do well we go to option number three the credit one bank Platinum visa for rebuilding credit now this is an unsecured credit card so this will be your go to if you don't have the money to put down on a secured line of credit now no one on this card I've seen has gotten denied either but keep in mind it's just for rebuilding your credit or maybe if you need like an emergency couple hundred dollars because it does have an initial annual fee it could be $0 thirty five dollars fifty five dollars or sometimes ninety five dollars and then every year after that it's gonna be ninety nine so it is an expensive card that you don't want to hang on to you for a long period of time I will say that I believe the usual limit on this is about two to three hundred dollars and it could help you out if you're in a little bit of a bind now remember this is a band-aid card you're not gonna get this card and go I'm gonna have this for the rest of my life and always keep my credit going on the right track of this no you only get this card if you absolutely need it like if you do not have any money in your account you're like I can't go open a secured line of credit I don't have two hundred dollars in my account I need to get this card I need to get my credit back on track you can open this card you know pay though whatever fee you might not have a fee depending on your credit but pay the fee and then you've got a $300 you know credit card so you can basically pay the fee and then you got two hundred bucks to kind of go spend if you really need it I do not recommend that card unless you absolutely have to get it but these are my three go to credit cards that are literally fail proof if you can't get one of these three I don't even know what to say actually I do know what to say you're gonna do the thing I'm gonna tell you right now the little secret to the credit card score game the easy and quickest way to get your credit scores up is to actually just become a signer on someone else's credit card so for example let's say you have a family member or a really close friend who's got great credit they're like I've got seven 80s all day my credits great you go to them and you say hey I'm in a bind my credits low can you add me as a signer on your account I'm not gonna spend any money I don't need a credit card literally you just need to add me as a signer as someone who has the ability to use your cart you're not gonna use their card you're just gonna ask them if they can put you on your card well if they've got great credit history a great credit score and all this stuff you're gonna get signed onto that card and basically your credit history is going to consume theirs and your scores are gonna shoot up I mean I've seen people shoot up like 80 to 120 points before just from being a signer on someone else's card seriously zero effort took you a couple minutes to pick up the phone and ask someone hey can you add me as a signer again you need to really stress that you're not going to be spending money because if you've got a rough credit individual and a good credit individual the good credit individual isn't gonna be like here take my credit card go spend some money no no you're just asking to be a signer and I'm telling you it boosts your scores so dang well so there you have it even those in the lowest of lows in the credit card world can still get their scores back up to where they need to be so hopefully you take advantage of this video hopefully you learn something new again these are my three favorite credit cards I highly recommend you start from one then go to two then to three and if you learn something new or I guess just enjoyed this video I would really really appreciate it you can hit the like button on this video and also share it with a friend maybe you've got a friend who you know has some questions about credit or might not be in the best credit situation send them this video and help them out because guys credit is actually not that challenging when you actually know what's going on problem is no one teaches anything about credit but again if you want to learn more got some more videos linked down below for you to learn all about credit and again hopefully you enjoyed the video if you're new around here consider hitting that subscribe button otherwise I will see you in the next video [Music] [Music]