Скачать или смотреть The Credit Card Ladder is a MYTH | Credit Card BS Podcast Ep. 34

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We have seen countless Youtubers make videos about the so-called "Credit Card Ladder" or "Credit Card tier list." We are here to tell you the credit card ladder is a myth, you can get any credit card you want without needing to follow some predefined ranking. As long as you are within the application rules for a specific issuer, you can and should focus on getting the best card for your setup. You don't need to listen to some arbitrary made-up tier list.

0:00 Intro
0:43 What is the "credit card ladder"?
2:23 You don't need to climb the ladder
4:39 Keep application rules in mind though
6:15 Don't put off getting credit cards
8:09 The ladder does not apply to some banks
10:35 The ladder muddles the value you get with annual fees
13:12 The ladder obscures effective annual fees
19:49 Use your head; do the math
20:41 Don't ascend the ladder just to flex
22:58 Outro