 Hey, what's up YouTube it's Zeke the CryptoMiner and today I'm bringing you another video today. It's about credit card training This is gonna be my very first time turning a credit card and Growing and I'm also going to be doing a challenge trying to grow my credit score to a perfect 800 and if it could go above 800, I'm gonna try it right. I'm going to try for that So let's go ahead get straight into the video All right, you too We're back if we take a look at my credit card the credit card that I did pick up was the world's Fargo Pro pill card it is an amazing starter card is amazing card if you bank with wheels Fargo Some of the benefits of this card if you spend $3,000 within the first three months You get 30,000 points That you could use for cash back or travel. I'm going to be using it for Fights so to take a vacation in summer This is why a lot of people credit card turn they signed up They get the bonuses and then they just keep the card open or the close the card after they use those bonuses But I'm going to be trying to grow my credit score for a new credit card owner from an Okay score to a great score for the next time I comply for the chase sapphire card I'll get approved some of the benefits of the propel card Some of the benefits of this card that I'm really taking advantage of is that if you buy your phone with this card You have a $600 Insurance on your phone. So if your phone get lost or stolen or damaged You just make a claim with Wells Fargo and then they're reimbursed you $600 for any damage to your phone Or lost phone. So we have a phone for $600. They're pretty much replaced it for free and you could do this Twice a year or if you have any damage to your phone like a camera get Defected or anything like that. Well Fargo will cover that. So that's I actually did use that on this phone already The sensors the front face sensor on my phone have went out So I use that so that's one of the benefits for this card I get three points for the gas two points for Groceries and then a point for everything else that I spend I'm almost at the $30,000 in the first three month limit and once I do that I am going to Officially reach the $30,000 bonus and then I'm going to start looking for flights in the summertime That I could take and try to find some cheap flights in the summertime So this journey for me has been amazing so far It's pretty cool all the benefits if I go to a rental car place and I rent a car for $40 And then they try to charge me $50 a day for insurance on the car I don't have to do that because it's all covered with the wheels Fargo if I purchased that rental car with my wheels Fargo Credit card the propeller card. I have insurance on that car So I don't have to actually pay the 50 extra dollars on the $40 rental car. You know I'm saying so I could just Use my credit card to Check out that actual car and then that insurance would be covered by the credit card Some other things are reimbursed also on the credit card, but I'm gonna go over those details I would do a full review over the world's Fargo propel card in the future video I did an unboxing on this card. Maybe a week ago if you guys want to go check that out It's pretty cool. It was super dramatic lots of music and sound effects I'll probably leave a link to that right here You can just click on that and go check out that video. It's pretty cool But if we go over to my credit karma, let's pull up my credit karma right here. It says I'm up 18 points And my credit score is 712 I think that's pretty good. You know, it's pretty good. The only thing about my credit is that My whole life. I've been an athlete. I was blessed enough to go play professional football so a lot of the times I spent Cash or David or money that I actually had I never actually had to spend money I didn't have so I never really had a credit card. So my credit history is bad Because I don't have a lot of credit but my credit score is still 712 So I'm gonna continue to grow this if we take a look at my credit health Of the last three months. I just got this car. So it's been a 7 on 9 It's been hanging around 7 on 9 for forever. And then when I actually applied for the card I think I applied for a chase effort card in this card at the same time Which hurts my score. It went down 15 points to 694 and then now on August 26 2019 my credit score is 712 and if we're looking at the credit health 712 is pretty good. It says good. Okay 640 is okay. 580 is high and then the 300 is high. All right 750 to 850 on Credit karma is it says that it's above awesome. It's great. And right now. I'm just a good I want to actually use this car until I get to great and then once I get the great I'll be applying for more credit cards once I get the hang of it and get those sign-up bonuses And then, you know, try to travel the world or have another credit card pay for my hotels One of the ways that I'm going to actually grow this from 712 to 800 is that I have a $10,000 limit on this actual credit card on the West Fargo Propel card and I read that if you use 10% of your limit in a month and then pay that off fully Then you're creating actually boost your credit card score faster. So if I have a $10,000 limit 10% would be $1,000. So if I spend $1,000 on my card every single month and then pay that off. That's the average of $12,000 a year That's pretty much the price of living in America $12,000 Actually, that's very minimum right there. So $1,000 a month For is 10% on a $10,000 account I spend that and then pay it all the way off and that actually boosts my score up a lot in Quicker so that would help me get to 800. Now. This is the trick you it once you get your card And you have to spend a minimum of what was it a 5% so I have to spend a minimum of $500 a month and then pay that off fully to actually let my score go up a few points But it's best to do 10% and then 1% It actually keeps your score pretty much around the same All right, so you keep hearing me saying pay it off fully Okay, you don't want to pay the minimum on a card You don't want to pay the $25 minimum or the $100 minimum or the $500 minimum on a card You actually want to pay it off fully if you want to grow your credit card health Okay, if you want to get to that 800 you have to pay it off fully So do not pay the $25 let that roll over and then you just pay $25 on it every month until Just meeting the minimum requirements to pay off that card You don't want to do that. You actually want to pay it off fully Completely fully in order for your credit card score for your credit score to go up And I'm really gonna be doing this challenge I'm gonna do at least one video a month. Well anytime my credit score ups dates I'm gonna do a video over this you guys are now a part of my journey If you want to stay tuned to this journey go ahead hit that subscribe and I like button down in the description Right now. I'm up 18 points since I purchased the card to 712 so right now it's pretty good I Mean once I get the 800s already tell you guys I'm going to get another credit card credit card turn that one and then also Try to apply for some luck. Well, actually get off Get some real new properties. I have good credit score So they give me a low down payment or they give me better interest rate just for having at 800 credit score so Going into again these loans for the 300 credit score My interest rate will probably be pretty high or the tax me on top of that by tax I mean that hit me over the head by those loans But if I have 800 credit score the banks will trust me more and they'll give me a good interest rate or a great down payment Option, but yeah guys, I told you it's gonna be a quick video. This is all I had to give you You guys are now part of my journey By me saying that I mean you need to go ahead hit that subscribe button down at the bottom hit that thumbs up But yeah, um my journey from 712 what actually 709 was where I started So my journey from 694 to 712 to 800. So I'm going to try to get the 800 by Okay, I'm trying to get to 800 by the end of the year if that's even possible Leave a comment down in the comment section if you think that's even possible to go from 712 to 800 in less than a year or Is it something that's completely doable or if you have done it before leave your credit score down in the description And then we could talk about how can we make it better or how amazing you are that you already have an 800 credit score? Yes, I'm talking about you But other than that, this is zeke the crypto miner bringing you another video over critical turning the real score Got a propelled card in my journey to the credit score of 800 other than that. I'm out