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WuhooPoints Interview - Intro to Credit Cards
A Q&A with Kobe
Wuhoo Group
September 04, 2024
I had a great time talking with Kobe, an Instagram follower who is also keen on understanding credit cards and helping those get into the credit card journey in a responsible way. Check out this super fun conversation we had in the latest WuhooPoints Interview.
Some questions we go over:
How many credit cards should someone have?
What are some good habits to pay down debt?
How do we operate when our parents are totally against credit?
What’s is a good credit card to have?
For new subscribers, I’ve been ranking the most popular US personal credit cards on Instagram.
Step Black Card - Intro | A credit-building secured credit card for even those under 18. However, I’d be cautious in making this your first credit card for several reasons listed in the video.
Charles Schwab Investor Card by American Express - Keeper | Like the Fidelity Rewards Visa, this puts your cashback into an investment account, which is great for personal finance hygiene.
Charles Schwab American Express Platinum - Support | Basically the same thing as the regular Platinum, with a couple added benefits.
Morgan Stanley American Express Platinum - Niche| Basically the same thing, but there are some banking requirements that give you a couple extra perks. Not going to be as worthwhile to pursue for most.
Chase DoorDash Mastercard - Harmful | A store credit card for inflated food delivery? No thank you.
Chase Instacart - Harmful | Also a useless store credit card.
PNC Cash Unlimited - Team Cashback | A standard 2% cashback credit card to be a catch-all.
Our lineup for this week is below. See our rationale here just for newsletter subscribers like you.
Matthew: American Express Business Platinum | Capital One Savor | Chase Sapphire Reserve | Capital One Venture X
Sarah: American Express Gold | Capital One Venture X
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About WuhooPoints
WuhooPoints focuses on the credit card consultation side of Wuhoo Group. Here we help with both the accrual of points and perks and the use of points for free travel.
About Wuhoo Group
Wuhoo Group was founded in 2022 to accent people’s lives with bespoke events and free luxury travel. We are based out of Northern Virginia and are always down to help brainstorm and develop fun ideas into plans.