if you are on the fence about getting a
target credit card known as the red card
this video is going to help you make a
decision today I'm going to show you
exactly how much money I saved in one
year using the red card in this short
video so stay tuned
I empty the CPA along with my sidekick
super weak people information that
matter so you can live your life on cage
whoever shop at Target you'll know what
i mean when i say that you can bet your
life that when you walked up to that
check register they're going to ask you
a question they're gonna ask you the
same question in many different way if
you want to take five percent with your
red car today will you be using your red
card today to save five percent fault if
you want to sign up for a red car today
so I'll be honest with you guys
finally one day out of a moment of
weakness I sign up for the risk after
all those years of hearing about signing
up for this red card i spend anymore i
just had to sign up they broke the gout
playing up to the red carded can't face
the Barclays to stop asking i'll fill it
with everyone drinks the kool-aid give
me the cardinal sign on the dotted line
just stop asking me
now chipper on the other hand that bird
is disciplined they just can't break
that bird down when they asked him that
same question he had a different
response now first things first I am NOT
going to encourage credit card debt and
anyway in this video if you cannot
manage money or if you're spending
addict do not get this card don't even
consider it if I am NOT encouraging
credit card debt nor will I ever are so
let's dive right into the purpose of the
pros of this having the cart biggest
first of course is knowing you're going
to save five percent now honestly five
percent is even hard to get in the
investment ranger in these days i
persist not bad better and all you have
to do is swipe a card now the great part
is that five percent works on everything
in the store so it works on things that
are on shell things that are already in
clarence it works personally on
everything in the store except
prescription but with prescription what
you purchased enough of them then
they'll give you a coupon that will
allow you to get five percent off so it
still worked at the pharmacy as well
which is why the fiber event is a pretty
fulfil the great part about the card is
that you can either get the debit card
or the credit card version of it so if
you don't feel comfortable with a credit
card
that's okay you can get the debit card
and you link it to a checking account
and it's like you're paying cash with
everything everything to the stories to
paying cash now which one did I get now
for myself personally instead of getting
the debit card I got the credit card why
I got the credit card because zero over
zero liability if your credit card gets
stolen from you or if it gets hacked
online and they somehow access to credit
card information
I like that because with the debit card
they could directly get into my checking
account if they were to use it so their
credit card they can't they cannot touch
my cash and fact i purchase everything I
possibly can on credit because as three
or four different points in my life I
have had to get a new credit card
doesn't i'm not talking about the record
here and talk about all kinds of credit
cards because eyes on to some place that
had their virtual database back
it's happening all over the world is
home depot
it's walmart its target all these
different major stores are getting
hacked so that's why I shows the credit
card because I figured at some point at
some time in the future I might get that
credit card information stolen so I
don't want to have any liability which
is why i went with a credit card
alright the third benefit of gardens
probably true for all credit cards but
if you pay off your credit card balance
in full by the end of the month you will
pay zero interest you still say price
for sense but you pay zero interest not
to back other benefits the fourth
benefit is hard has no annual fee the
fifth benefit is if you shop online you
get free shipping as long as you use the
red card
benefit number seven if you like to pay
your bills online you can even go online
to the target redcard account and set up
autopay the unit have to think about it
but you can pay your balance and pulls
that way i'll show you in the slides
kind of what it looks like and how you
act a red card account right here
the last major benefit of the target
redcard that i can think of is that you
get an additional 30 days to return an
item above the normal return to date on
your recent ok we talked about the pros
benefit so let's talk about the cons one
of the times is you can only use the
card at target the red card stuff you
cannot use that other swords best of my
knowledge you have to use just a target
store these are limited to that
what's the interest rate on this card on
number two interest rate will punch you
end up faith interest rate is a whopping
23 for dead
whoa don't let around with it pay it off
handful at the end of every month
because you do not want to be paying
twenty percent annual interest on number
three
obviously by getting this card target
once you to spend more money at target
they have ulterior motive ladies and
gentlemen they want you to develop your
spending habits after store pretty smart
huh
they're thinking about it they're
thinking up in the marketing department
of going to work you don't have your
money at their floor you can choose not
right number for late payment fees
alright late payment seeds at target if
you pay late it's a nice kick in the
groin will come in at $35 if you pay
late now if you make a payment but the
repayment gets returned on your card and
that's a whopping $25 returned payment
be out in conclusion I can't believe I'm
saying this but I'm actually glad that I
signed up for the target redcard credit
card i spend on average about 65-70
dollars per week at target shop there on
a weekly basis so that's one of the
reasons why its benefits me and getting
I got the car down January force of 2016
ok so i started right at the beginning
of the year and during the course of a
whole year and allows you to save an
additional hundred and eighty two
dollars at by the end of the year just
like swiping that card if you break it
down into a net monthly savings number
i'm saving roughly fifteen dollars a
month
no it's not huge but fifty dollars a
month and easily papers gym memberships
Netflix Hulu or something like that so
it's a great saving because i was going
to spend the money anyway I only
purchase things i needed i didn't go
above and beyond to buy things like TVs
and whatnot i just bought basic
household supplies grocery here and
there so it turned out good deal for me
the best part of all don't want to know
how much interest i paid I paid zero in
risk because I pay off my card every few
weeks
contact all the credit card tyonne I
always pay them off everything week i
have not paid interest since I was
probably about 18 or 19 years old on a
credit card on 32 today but for the most
part I just don't pay interest so just
as long as you manage it well that's not
going to help problem is going to be a
benefit for you then it could be worth
it
reason against the card is that one if
you don't shop at Target very often
you're probably not going to get some
benefit out of it so I wouldn't get it
if your only shot if you shop there less
than once a month probably not worth
your time to get the cards i would
probably avoided at that point for is
the main reason to avoid this plugin
that you cannot control your spinach if
you can't control your spending your
opinion addicts and chance man credit
and you're not gonna pay your bill on
time to not get this card it will wreck
your life so please avoid it like the
plague that describes you in the
description below i'm going to be
sharing a link with you regarding a
great article that's all about target
redcard and a lot of what we talked
about the day so make sure to check it
out if you want to learn more
you have questions or comments please
leave them in the comments section down
below and i will make sure to answer
your question and response that not only
are these videos going to help you learn
more but they're gonna help you make
better decisions throughout your life in
the areas of finances investing taxes so
many more subjects so if you've not
already hit that red subscribe button
down below please make sure to hit that
button so you not miss any of our future
videos are updates
thank you alright guys I think I'm gonna
wrap up the video here if you like the
video please hit that like button
give me some feedback below if you have
questions comments like that sweet leave
them in the comment section down below
you found this information helpful
share it with a friend or family member
that's what these videos therefore there
to help people i make videos every
single week and I try to release them
every single Sunday best of my abilities
so that being said i will see you next
week along with chipper and remember
always live your life on cage by
everybody have a great week
Không có nhận xét nào:
Đăng nhận xét