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[Music] what is up guys it's Danny here welcome to painfully honest advice so establishing credit is one of the biggest things that you can do financially by building credit early you can set yourself up financially to be able to borrow money down the road when you want to buy your first house when you want to buy a car or even if we wanted to start your own business so I'm gonna share with you guys five credit cards five credit cards that will approve you instantly meaning you will not get denied so now if you have no credit or if you have bad credit these are gonna be the best options to start building credit today sounds like a commercial doesn't it but hey guys if you're new to my channel my name is Andy I make videos all around business personal finance and investing so if you like any of those topics make sure to hit that subscribe button right down there and I'll keep you guys posted on all the brand new content now I love this topic guys and I have over 15 different cards one of the best things that I can tell you guys is to go ahead and start building credit as soon as you turn 18 the sooner you start building credit the better your credit score is gonna just be over time no there are many different options to start building credit but the easiest option to start building credit is by getting a secured credit card and if you're not familiar with a secured credit card it's basically a credit card that you get from a company by putting down a security deposit and they basically hold that security deposit usually up to a year as collateral in case you stop paying on that card but as long as you pay on time on a monthly basis they will go ahead and refund that full security deposit to you within one year now some of the cards that I'm going to share with you guys in this video are gonna be secured credit cards but if you don't want to put down a security deposit I will also share some cards that are unsecured that are great that will actually instantly approve you plus I'm gonna share with you guys a little trick if you want to boost your credit by a hundred points within three months this is something that actually works really well for me and I will share that with you guys later in the video just to get it out of the way all the credit cards that I'm gonna share with you guys in this video report to all three of the credit bureaus now the three credit bureaus are TransUnion Equifax and Experian no experi on I think I'm saying that correctly I have no idea well go ahead and jump right into it now the first card that is on my list is actually one of my favorite cards and it is the discovered secured card there it is no discovered does offer a secured credit card which is awesome and they have a zero dollar annual fees and this is actually one of the only cards on the market that's a secured card and that actually offers reward points basically as far as the rewards for it goes you get 1% back on every purchase that you make on the card and you actually get 2% cashback on restaurants and gas stations no because this is a secured card the minimum that you have to put down as a security deposit it's $200 but with discover they actually match that so say for example you put in a $200 limit for a secured card they'll give you a credit limit for $400 plus as long as you pay on time on a monthly basis you'll let you to get your full security deposit back and you'll actually keep that limit but more than likely they'll actually probably give you an increase as long as you've been paying on time now once you get your security deposit back if you do not get an increase I would highly recommend to call discover up and request an increase plus this card actually has one of the most perks out of any secured card one of the other purse that I really like about this car is that you actually get free credit monitoring service with this card meaning that you can keep track of your credit score on a monthly basis and it's totally free now personally I love this card and I got this card when I was 18 years old and to this date I actually still use this card on a daily basis and because there's no difference between the look of this card but we've the secured and the unsecured card so you actually don't feel discouraged using this card in public because people really can't tell if you have a secured card or an unsecured card all right let's go ahead and move on to number two now the second card that is on my list that you can get instantly approved for is the City Diamond secured credit card now personally I like this card just because it's also another brand name company and with the city card there is $0 annual fees plus there's $0 foreign transaction fees now this is probably one of the only cards on the market that actually offers $0 on foreign transaction fees so this card also has a two hundred dollar security deposit but just like the other cards once you've been using this card for one year you actually will get your full security deposit back now another thing that I really like about this card is that once you have card and you've established for one year you can enter the request to upgrade your car to the city double cash back rewards card which is actually the card that I currently have now now I personally love this card and this is actually one of my favorite cards of all time just because you get double the rewards for using this card meaning you get 2% cash back on this card so that to me is one of the biggest advantages of having the City Diamond secured card and with this card it's a great card for beginners if you're just looking to establish credit so let's go ahead and move on to the third card that made the list which is the Capital One platinum secured card which is this card right here one of the coolest things with the Capital One secured card is that you actually get access to the Capital One lounges what you kind of need and actually have been to one of them in Miami it's basically like a bank and a coffee shop combined into one which is a pretty cool concept now of course this is also another secured card but the best thing about this card is that the security deposit is only $49 to start now you can get approved for $49 security deposit and have a credit limit of up to $200 just to start so I really like this card because it's got one of the lowest security deposits and once you've been making your payments for five months and as long as you've been making payments on this card for five months they will automatically give you a credit limit increase now let's just say for example you do not get approved for any one of these three credit cards now the next card that I'm gonna share with you guys you will hundred percent get approved for which is the OpenSky secured credit card and that's because this card does not pull your credit meaning anybody can get approved for this card now because this is also secured card the credit limit that you get is based on how much the security deposit you put down now personally I would only apply for this card if you do not get approved for one of the other three credit cards and that's because this card actually does have an annual fees now it is a low annual fees and thirty five dollars but because it has an annual fee that kind of pushes me away from this card but if you do not get approved from one of the other options this card is a guaranteed approval and $35 at the end of the day is not much when you're looking at the bigger picture and when you want to build your credit loss the other nice thing that I like about this card is that the interest rate on this car is actually lower than all the other secured credit cards and the interest rate basically means this is how much that you would pay on an annual basis on any money that you would draw from the card the interest rate on this card is 18.9 nine percent on average we're with the Discover or the Citi card the interest rate starts at twenty four point nine nine and it goes as high as thirty five point nine nine which is like a lot higher okay and now the fifth option and the final option that I'm going to share with you guys is gonna require no security deposit meaning this is an unsecured card and this is the credit one bank unsecured credit card now if you're on a budget or you do not have the money to put down as a security deposit this is the best option to go with and with this card its unsecured meaning you do not have to put down any type of security deposit plus I will put a link down in the description if you want to check that out to see if you're pre-approved for this card and I'll basically tell you if you're approved for the card and it will not run your credit report now this is a great card for anybody that has poor credit or that has fair credit and that does not have necessarily good credit meaning any credit score between three hundred to about six hundred so some of the perks with this card is that there is $0 annual fees along with that the man of credit limit that you can get on this card is actually three hundred dollars which is much higher than all the other cards that we've talked about and it also offers a one percent cashback on eligible purchases at gas stations and restaurants so personally this is not a bad card if you want to go for an unsecured card or you're just on a tight budget but now as I mentioned earlier in the video a little trick that I want to share with you guys if you want to give your credit score a boost of over a hundred points in less than three months and that is by piggybacking or becoming an authorized user basically what this means is by becoming an authorized user on a family member or a close friends credit card they do have to make you an authorized user but by becoming an authorized user on their card all their previous credit history will actually transfer over to you now that person does have to trust you with this card because they've made you an authorized user on the card you have the same responsibilities and the credit limits as they do and in case you stopped paying on that card that person is ultimately responsible for paying that card back but the best thing about this method is that all their credit history will actually transfer to you now let's say that they had this card for one year three years or let's say five years all that credit history and the length of that credit is actually gonna transfer over to you and it's gonna give you a huge credit bump in your credit scores now personally I have used this credit method guys and I had a family member that made me an authorized user when I was 18 and I was just starting to build credit and that gave me over a hundred point increase in my credit in less than three months so definitely check out this method guys and let me know in the comment which card are the five cards that I went over you like the best but that is gonna do it for this video guys if you're new to my channel make sure to hit that subscribe button right down there and just for the YouTube algorithm guys if you don't mind just hitting that like button that would be honestly highly appreciated and if you're not already following me on instagram make sure to follow me at painfully honest advice and lastly guys if you want to take advantage of some free money and getting two free stocks weibo offers you two free stocks for setting up an account with them and a second free stock worth up to fourteen hundred dollars for depositing at least $100 in your account now this is free money and free stock at the end of the day guys so I highly recommend it but that is gonna be a wrap for this video I will see you guys at the next one