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鉂屸潓CREDIT ONE PLATINUM VISA REVIEW *my regrets*CREDIT ONE PLATINUM CREDIT CARD REVIEW鉂孋REDIT ONE CARD - YouTube
Channel: Gigi Gaskaite
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credit one card review the good the bad
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and the ugly we gonna talk about it in
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this video
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hi my name is gigi welcome back to my
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channel i'm real estate agent in south
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florida
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if you knew consider subscribing in this
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channel we talk about the home buying
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tips and money saving tips and all the
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topics that will help you to reach
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financial freedom
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so if that's something you're interested
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welcome and consider subscribing
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so you don't miss any new videos and
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today we're talking about
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credit one credit card which is my
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first ever credit card and what i like
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about it
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and what i don't like about so let me
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quickly share my story that i was born
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and raised in europe
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and in europe credit cards are not
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popular at all
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people don't use that we only use debit
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cards whatever we have in our account or
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we use
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cash if we might take loan for a car or
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a house but we
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don't take credit to spend on purchases
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i came in u.s in my early 20s and
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in the beginning i was not interested in
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credit cards at all it was something new
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for me and i feel like i didn't need it
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only when i got my real estate license
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and
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i started to see how important is to
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have a good credit score in the u.s
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only that's when i start to get
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interested and educate myself
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more about at that time i had the
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debit card i think with bank of america
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and i
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tried to apply through them to get my
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credit card
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and i was denied i was very upset about
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it and um i didn't know
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what else should i do but in a few
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months i received in my mail
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the offer for from credit one now
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first of all let me clarify that credit
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one and
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capital one is two different companies
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that's my mistake number one
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i did because i knew some friends who
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have capital one
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and they said it's a good credit card
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especially for beginners
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so with very similar name and very
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similar
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logo i was misleaded i thought i'm
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applying and getting
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capital one which i end up with credit
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one which is not
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in my opinion as good as capital one so
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let's clarify that
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first of all so i got mislead i got a
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wrong credit card
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but at least i was approved as mentioned
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in the past i was denied by a big banks
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now
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what surprised me the most i think even
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before they send me
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credit card when i log into my online
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website i already see
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that i own them the annual fee and
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i think there was a few other things
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they charged me for shipping or things
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like that
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it which surprised me a lot but at that
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point i was still
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happy that i'm getting my first credit
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card and it will help me to build my
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credit score
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over the years also they have one
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percent
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cash back on all purchases which i also
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enjoy
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i think if i'm already spending money
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with cash or debit card why not getting
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that one percent back
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which honestly in first year it paid off
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i probably earn as much as i spend on
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annual fee maybe a little bit more so
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i it helped me to break even with my
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annual fee
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now when months go by they keep on
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surprising me with those
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extra charges they charge me every month
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like i will show you example here like
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like credit protection
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what is that when i signed up it didn't
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say anything or if it said most like it
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was
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really small print and every month i pay
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on full before my due date
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why they keep charging me on my
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purchases so
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i honestly still don't get that i should
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call them but every time i keep pushing
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it and pushing it because
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i know it probably will take minimum one
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hour to talk with different
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managers and explain my situation and
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it's only like a dollar or two a month
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so in my head it's not worth to go
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through all this mission
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to get my two dollars back but these
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surprises were not pleasant
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and as of today honestly i don't trust
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this company and i wouldn't get my other
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card because
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i don't know what other surprises they
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will give me in the future
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also in the beginning i had a habit for
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my own benefit
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every time i make a purchase or every
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few day pay my card in full so i don't
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carry any debt and surprisingly after
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doing it four times a month
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the fifth time they don't allow me to do
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it they said four times
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maximum which i found it very awkward
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and why don't allow people to do as many
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as they want to help them to be on track
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with their
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financial life and once when i made
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payment they give me option make express
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payments so i press that
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and next thing i know they charge me 10
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for that
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extra payment which was another
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surprise for me so honestly
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i'm a little bit regretting that i got
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this card especially as my
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first credit card ideally if
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possible you want to get first credit
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card with
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zero annual fee so you can keep it as
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long
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as you can and it will show very long
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credit age which takes up to 15 percent
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of your credit score
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but the only good thing that at least
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they approve
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me while others didn't approve me while
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others denied me right
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away and also it helped me to open
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another doors
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probably after six months using that car
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and paying on time
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all the time every month i received an
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offer to apply for discover its credit
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card
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and by that time i heard so many good
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things about this
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credit card so without even
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thinking i applied for this card and i
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was approved right away
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with a 1500 credit limit without even a
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secured card
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now i know many beginners go with
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discovered secured card first
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before they get unsecured one i was
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approved immediately for
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unsecured card which i think is awesome
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and without having
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credit one i don't think i would have
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been able
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to get this cover in especially
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unsecured car
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and after having these two credit cards
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within another six months
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i received offer from american express
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that they offered me to join and i had
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to sign up bonuses that they gave me
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points and with every purchase i also
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earned points
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so right now i even have american
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express card and i can earn
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points and use it towards traveling in
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future
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which i want i wanted that for a long
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time
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so i guess i need to give them some kind
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of credits they helped me to open the
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door and build my credit to that point
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that
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other credit card companies started to
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trust me but
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when i got discover its credit card and
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i see that with them i have no surprises
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no charges that would surprise me
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the customer service is amazing the app
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is amazing i'm so
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extremely happy with my discovery credit
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card which
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by the way i made a specific video so
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you definitely check this out
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if you haven't watched that video yet so
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if you're a beginner
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and you're looking for your first credit
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card
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here are my thoughts first try with
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discover
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it it's ten times better for beginner it
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has zero annual fee
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more cashback rewards so if
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by any chance you can be approved for
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that card
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definitely definitely go for this card
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better
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than the credit one however i'm very
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active in some
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credit cards forums and i see that some
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people
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are being denied even for secure
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discover its credit card
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if that's the case then
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credit one might be a good thing for
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beginners
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to build big credit score so other
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credit cards start to trust them and
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opening their doors for them which i did
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and there are some other even worst
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credit
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cards who charge also these annual fees
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and they have all these
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surprising fees every month which don't
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give you
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no cash back zero cash back this one at
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least give you one percent
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which gives you opportunity to break
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even and have this card for
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free so it all depends where you're
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standing at this moment with your credit
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score
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once again try discover it first and
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only if you will be
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denied by discover then try credit one
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so you can get this
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one percent cash back at least so that's
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my thoughts
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if you have any other questions please
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leave them in the comments below if you
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haven't already please subscribe and hit
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thumbs up
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it helps my channel a lot and now if you
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want to go check these two videos from
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my last few weeks
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i hope you will like them and i hope to
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see you there thank you and have a
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wonderful day
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bye
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