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 gon na 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 gon na say: okay, thank you.

We're gon na 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 gon na want to start with this card. If you can get approved for this and get all these benefits right, it's gon na be in your best interest, and I know it's gon na 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 gon na 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 gon na get this card and go. I'm gon na 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 gon na do the thing I'm gon na 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 gon na 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 gon na use their card you're, just gon na 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 gon na get signed onto that card and basically your credit history is going to consume theirs and your scores are gon na 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 gon na 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.