@julialynnnnnn: get smarter and richer with credit cards

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@julialynnnnnn: get smarter and richer with credit cards

JULES

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Region: US

Thursday 15 January 2026 01:18:29 GMT

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𝔩𝔢𝔦𝔞🎧ྀི♪⋆.✮ :

why does having a credit card sound so hard

Another Mother :

I put all my bills, groceries and gas on my credit cards, pay it off every single month, and save the cash back all year and use it for Christmas or to get myself something nice! It was like $1000 this year.

EmilyJanet :

Discover is a good credit card to start with…

sugar :

watching this at 18 with no credit card yet

Diggy :

We breakin generational debts out here

anna🖤🕷️ :

my credit score is over 750 and i’m only 21 BECAUSE i got one when i was 18 and treat it as a debit card and save the rest of my money that i get paid😜

Ari ✨ (air•ee, not are•ee) :

Ummm so I’ve already maxed out my credit card

Adriverse :

Finally the opposite of “girl math” 👏👏

SxyGrandma :

I just use my credit card for gas and pay it off immediately. Keeps it open, keeps my credit score squeaky clean.

2tii.red :

idk owning a credit card seems stressful

Maggie :

I pay my monthly bills on a card that I get travel benefits. I pay it in full by the statement date not the due date.

Mel♡ :

aa someone who was raised to be scared of credit cards and has never had one, which cards do you recommend to get the most benefits from? There are so many options out there its so overwhelming

Jessica Nicole :

my rules for myself have always been 1. only spend money i have 2. stay under 9% 3. pay in full 4. credit card with rewards (cash back) and no annual payment Love that youre spreading this info! I help all my family and friends who will listen 🧡

Bigmanjazzy💋 :

Babe I needed this before I went into debt 😩🤣🤣🤣

Kaylee :

“Only spend money you have” exactly why I won’t get a credit card with a limit higher than $500🤷🏻‍♀️

Beth ✨️🪓✈️ 👄 :

my debit card was deactivated because I didn't use it for a year 😂

🖤Brittney🖤 :

I despise how complicated they make it… I put the majority of my purchases and bills on my cash back credit card - anything possible, and pay it off *weekly* so I stay on top of it, plus it’s my only credit card I’ve held for 10+ years 💅💅

Josh🐴 :

Discover student card is really good to start

Hannah Ashton :

4 years ago I discovered the magic of credit card benefits and my life has been forever changed

Manis With Annie :

i started with the apple credit card at 18 and she's my girllllll

Nova System 🌌 :

Still sticking to debit because I am far to impulsive to ever have a credit card

jenna :) :

I’m so scared of getting a credit card thooo

Haley Lovins-Shoraga :

This the advice i needed at 18. Im 27 and trying to fix mistakes and it’s awful

Yasmeen | HIJABI HAIRSTYLIST :

Never miss a hopecore video ✨✨✨

baleigh 🪼 :

credit utilization is so hard when ur credit card limit is only $500🫩

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I despise how complicated they make it… I put the majority of my purchases and bills on my cash back credit card - anything possible, and pay it off weekly so I stay on top of it, plus it’s my only credit card I’ve held for 10+ years 💅💅