Revealing My BIGGEST Credit Card Regrets (LIVE Q&A)

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Hey guys, in this livestream, I answer all of your questions from my 5,000-subscriber community posts! We cover a wide range of topics in this video such as my biggest regrets in the credit card game, what 3 no-annual-fee credit cards I would use if I could only have three, my recommendation of the best credit card for a young adult new to credit, how much money YouTube pays me, and much more. I hope this video lets y’all see my thought processes relating to not only credit cards, but other topics as well, and I hope y’all get to know me better by the end of it!

Thank you so much for watching! Let me know in the comments if you have any questions and I’d be happy to answer them!

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Disclaimer:
The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Spencer Johnson is not a financial advisor. This video is for entertainment and educational purposes only, it is not financial advice.

This page contains affiliate links, meaning that I may earn a commission if you click through these links and sign up or buy the product or service mentioned.

#bestcreditcards #creditcardstrategy #creditcards

[zaalb]

We’re going to Rome next year. We’ve mapped out some of the trip already. 8 nights at the crowne plaza in Rome for roughly 140k IHG points, and I’m sitting on 220k thanks to work travel and the IHG premier card. Then either virgin for 30k point economy flights or we might end up going business from SFO to FCO

[jpknowledge]

Congratulations on the 5k subs! You make great videos. Keep killing it 👏🏾

[myway]

Whatever it is…I’m not listening to you for over 2 hrs to find out!

[charliebachman]

My only regret credit card wise, is not having a visa or Mastercard credit card. It’d be a lifesaver right now

[SpartanOfFinance]

I noticed that the Morgan Stanley many times has elevated bonus for the Platinum but Schwab is always 80k. Has Schwab ever elevated their bonus?

[NS]

I like that you are having RJ back on again! He was the very first credit card content creator I started watching regularly, and think he brings a unique perspective on things.

[CalbyNg]

I’m going to convert you to Delta; it’ll be my mission 😉 Haha

[FlyinRyan]

Another comment! all my groceries are from target in my area so i have the target card but as of late I pre buy my month's worth of groceries in target giftcards with the chase ink cash for 5% to stay on the travel side.

[pg]

I regret not churning my Chase cards as I should. Freedoms every 24months & Sapphires every 48months. I tend to keep them long term instead of downgrading to the OG freedom and repeating the cycle. (Idk how many OG freedoms they’ll let me have tho lol)

[AnthonyVenture]

Can’t believe you finally told your first lie today… 12:05

[mitchell.]

Having known a few former basketball players you have to duck in vehicles at 6'6", duck in doorways, get a California King bed plus the basketball if your lucky and healthy last about a decade.

[jimmyjames]

Australia would be awesome! Thanks for answering my question and the video!

[Convertible]

Congrats on the subs, you're a very humble person. Really looking forward to more of this type of content!

[chino.fficial]

Thank you for answering my question ! You’re doing great but Ik there’s more for you in the future. I’ll be here for the long term fs

[Joe-nlvf]

Hey Spencer love your content and just want to say thanks for helping me through this journey. Missed half the stream but watching it now. Im 24 and havent been in the credit game at all but ive been added as a authorize user and currently have a 750-800 credit score. March 28th i opened my first card (gold amex card) because i had a big purchase and finished the bonus. Then on april 11 i opened the chase freedom flex. I was just wondering was opening these cards close together a mistake and when should I open another card. Thanks again for all your help!

[joshuaanderson]

I couldn’t make the live stream, but great video. I hope to one day become a youtube creator in this space as well!

[FlyinRyan]

Agreed about the supportive niche. I have found my people.