What Credit Cards You Should Have by AGE [Full Guide]

#creditcard #johnsfinancetips

These are the number and types of credit cards you should have based on your age

Age Under 18
Age 18 - 21
Age 22 - 26
Age 27

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[barttfisher]

People in credit card debt got a credit card without knowing how to use it. It’s an education issue, not a credit card issue. I had in ddebt because I was stupid and didn’t know how to use credit, then I learned and now I’m raking in rewards with no problems.

[UNDERCNSTRUCTIN]

People are scared of credit but honestly there is nothing scarey just make sure you are VERY responsible and don’t spend money you don’t have..I’m 22 just got my first Amex with a 700+ credit score and I wasn’t born rich or financially literate but I’m just responsible! Lol

[rileigh]

2:55 card's age restrictions
4:24 18-21 year olds
8:47 22-26 year olds
13:30 27+
18:49 Goals?

[joelittle]

I'm currently 19 and in college and the age brackets definitely make sense, although i would add one asterisk: depending on the situation it may make sense to have an airline credit card in addition to the student card. For example I fly home 1-2 times a year because I attend out of state and I take 1-2 other trips during breaks, and i make good money as a part time sales rep and am responsible with my money. Since United is my main airline the United Explorer card made a lot of sense for me since they gave me $300 off my first flight booked with the card, plus 30, 000 bonus miles, double miles on United purchases, hotel bookings, and restaurants, free checked baggage, priority boarding, United lounge passes, and a voucher for TSA precheck. I've only had the card for 6 months and I've already saved hundreds on airfare and airline fees, plus i was able to use my miles for an insanely good rewards redemption to Tahiti in November that would normally cost $1500 cash. Definitely something to consider if you attend college out of state and are good with your money.

[tewbears]

On time and in full. Great advice to get this engrained early.

[alexanderlin]

One of the best decisions I made was getting a higher-end travel rewards card instead of a student card when I started university, the minimum income requirement was 15k CAD, with a $150 annual fee. I paid for pretty much everything on that card. After 2/3 years (and not being able to travel during covid) I had racked up so much points that it paid for almost all the flights I took during my exchange program in my senior year. Got to travel to 5/6 other countries over 6 months and it was pretty much free of cost to me. This would not have been possible if I used a student card.

[goldfish]

I appreciate these vids a lot as a 23 year old who was taught not to trust and be concerned about cc’s. My 1st cc was the Student It from Discover as I already had a savings and checking account with them in 2020. Just a month ago, I got the Capital One Venture card because I’m not making that FT money but since I’m graduating in a year, I’m hoping to upgrade to the Venture X

[kqmhballer]

Appreciate your content, John. Wish I had come across your channel 10yrs ago. By age 21, my (now) wife and I had opened 17 credit cards and racked up $30k in debt. Now, on the cusp of thirty, we’ve paid off all our credit cards and mostly use the Amex Gold and pay in full each month. Spent years paying off our balances and even longer making only the minimum payment. Now, we’re using credit responsibly and educating ourselves on how we’re gonna use our points! We were slaves to the lender, but we learned the hard way that we can take advantage of the game too!

[sickmotionz]

I am currently in college never had a credit score since my parents never gave my authorization, but I was actually pre- approved from chase themselves for the freedom flex or unlimited, I went with flex, and now I have been finding not only your videos helpful, but also everyone else’s in the credit card genre. Thank you for this video and every other videos that helps people like me applying for their first credit card :)

[Nascarnate]

The Discover Student card did really well for me as my first card. Plenty of cashback, good sign on bonus, no annual fee, and they repeatedly upped my credit limit since I was using it wisely. Plus a little extra credit limit for referring a friend. I loved it.
They also have this thing -- that I never utilized unfortunately -- where they will give you $20 a semester for good grades

[uptildawnltd]

I made an absolutely mind bogglingly massive jump from a secured Chime credit builder (which raised my score about 90 points over a little more than a year and a half) to a Capital one Venture One card with a 10K limit. I also used Experians boost feature, which helped out. I have no idea how I got approved for the capital one, but it’s been fantastic, I’m putting large purchases I would normally make with cash on the credit card instead, then I pay it off as soon as it’s on my statement. My mom raised us to not buy things we couldn’t afford, so I still keep that principle. Needless to say, the points are really adding up. It’s nice for my money to be working for me a little bit.

[Twbrooks]

Quicksilver and the Chase Freedom were my first two card. 100% agree pay in full all the way! I totally use mine like a debit card. Stick to a tight budget as well. Great advice. Wish I knew more about this in my 20s. I was out there looking at cards like it was AMC and stonks back then but always stuck to the script of only spend what I can pay.

[mahdizeerak]

I am 18 and in college so I am getting my first card that I can actually use as an adult. This video was super helpful and entertaining. Deserves a Like and Follow. Thank You John.

[andrewdiamond]

I'm shocked to learn I did it mostly right. Amex Platinum/Barclay's AmericanAirlines/Amex Hilton are my 3 goto cards. Oldest is Discover, which I've had for 37 years - I was one of the original Discover card holders when it was new because I had a Sears card, and Sears Cardholders were given first crack at Discover.

Best part is learning about adding my soon 15 year-old daughter to get her on the right track. I hadn't thought about that yet. Good to know.

[bryanrauda]

I’m 19 turning 20 in sep. I have a total of 4 credit cards. I have Wells Fargo active cash, freedom unlimited, Citi premier, and chase sapphire preferred. A total of 18, 900. I work full time and do school full time so it’s possible just monitor your score. Now I started learning credit cards when I was about 17 and half and got an authorized user card that first is only 500 dollar of limit and as of right now has 2 years of credit age. The four cards I mentioned above are mine not the authorized users. With Wells Fargo being 10 months old. A little tip I’ve found very useful is opening a checking or saving account with the bank you plan on getting your card with and leaving it their for a couple of months helps boost the chances of you getting accepted. For example when I planned on getting my freedom unlimited card I open a checking account with initially 3 thousand and then deposited another 3 thousand after that and left it in the account for about 2 maybe 3 months and then applied. Got a call the same day hey your approved

[zeroxlulu]

Shiiit, by age 21 I was already approved for the Chase Sapphire Reserve. I'm going to brag here a bit and say I felt so cool getting into these priority lounges and being one of the only people in their with a full head of hair lmao

[miakb]

Thank you! I don’t have anyone to help me or point me in the right direction so I really appreciate this more than you know

[jungkookstoesocks]

Im 26 and still dont have a credit card, im watching these videos to try and learn what credit card i should go for first. Idk why but im terrified i might mess it all up. Im also very annoyed that my parents or at school didnt taught me about any of this stuff. Anyways wish me luck on having my first credit card

[SpencerJohnsonOfficial]

Getting added as an authorized user is one of the best things you can do for someone you trust. However, you can still be really successful in the credit card game without it! I feel like that's something that should be harped on more though. It's awesome to be able to hit the ground running in the credit card game when you're 18 if you can.

[Gekko]

i have recently came out of college (UK so age 16-18) having completed a business course which was about 3 hours a week (we do 3 or 4 courses here) and i thought that everything in this video was the basics which i understand after watching and the comments that people dont always know this stuff. i think the exact course that i have done should be taught to everyone at at this age. it would definilty stop so many people stop getting into debt.