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**2022** Credit Karma Spend Review: RETURNED PAYMENTS, Instant Karma and I Lost My Card!
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1호 많이 토마 전 한줄만 괜히,1 아처 니가 다 오니 하구요 뭐,이젠 될 즉 하고 많지만 모셔서,아니스 2 원어 펀 타임 아웃 아 뭐,차드 카마 아닌 하오나 펀 스텐 10,여타 볼 나 언어의 마크를 판매 자리,뉴스가 내려 할 땐 2nd 들어 어제,놓아 마이피 때도 neil 일드 오,부자 높인 스 러 버 디 어 소똥,깨알 치대 워 와 모카 olle,페이머스 a 참트루 것들로 저희의,너무 많아 씩씩하고 415 로프,rope 해외 암 쏘 m 을 수 있듯,참 tools 데몬 와 쎄 쎄 쎄 쎄,쎄 쎄 쎄 쎄 쎄 쎄 쎄 쎄 쎄 믿는,거 버린 데 롤리팝 거운,맥스웰 싶어하는 즉 제 3회 이러한,뿐만 이 앱이 났어 패션 파는 사이,트 비 너 걍 없게 된 앱이 오 벌써,페임 에 베리 벌써 페이 메모 츄러스,아 창업의 구걸 품위와 일단 20대의,오버에 받든 앞서 패션 뻔 뭐 펀딩,좌투 싸이 보시면 사이 는 매일 완치,이미 써봤어요 총 잘 찾아 큰 4,음악계에 4 – 소개해주신 곳이든,차별 버드 하면서 처음 이 만나서,푸샵 번 수 you two 답해 균이,v nato 테이텀 빼라 커버 평,포츠 코스 or 아마 대화 와 마크,소재 뺀 헐 뱀 치우 -,ver 해외 누가 떠도 바로 나머지,두 거예요 어,디너 메이카 보다 이 아노트 비교 3,아노 34,뭐 뭐 다 g 인해 찾을 수 없 어,데이 지울 다음 발 멋지게 는 아낌,a 로 괴물 커 된 책들은 처음인,애니 나서 커쇼 퍼시픽림 앞에 있어야,의원은 n 어스 코디 셉터 딩크 또,왜 4 4시 너구리 라디칼 미소,알텐데 치우 보는 쏟 액생 어서,won 소개 스카웃 ns 페이스 2,어크 대한 후 월급 서비스 오래되고,악 씻기 빛 아이스 깔 어 말에,oem 월 싶어 추세임 있거든 네버,후나 박스에서 91번 스웨터 차음 i,퍼스,coater 결산 없어 범위 언덕에,나오냐 a 도모하는 뭐 췌 낚시 포도,호스 포항 104분 사무라이,뉴스와이드 파워 스펠링 많이 아무,소득이 수놓다 대한 발소 암 낫,엑스퍼트 자 즉 미소가 뜬 그,roles 펄 브라운 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Credit Karma Money Spend (Credit Karma Checking) Review
are you curious about credit karmas new,debit card and spend account,well in this video were gonna be taking,a closer look at the offering and what,you need to know about it,hey everyone this is kyle from money at,30 and on this channel we look at,personal finance from a millennial,perspective including banking tour views,like this one,after previously rolling out credit,karma savings now known as credit karma,money save,the free credit score site credit karma,has been inviting users to sign up for a,new checking account called money spend,coming complete with a visa debit card,the spend account has a few notable,perks to be aware of,with that lets take a look at what the,credit karma money spend account has to,offer and whether its ultimately worth,your time,the first thing to know about credit,karma money spend is that youll need to,open a credit karma account beforehand,before you can open one of credit,karmas banking accounts youll first,need to sign up for their main service,the good news is that the site is,completely free to use and wont impact,your credit,however you will need to provide some,personal information including your,social security number,then once youve created your account,youll just need to confirm some details,in order to open a credit karma money,save or spend account,i should note that at the time im,creating this video the spend account,may only be available to select users,but should be rolling out to more,members soon also important is that the,account is fdic insured through a,partnership with mvb bank,once youve opened your account you can,transfer money from a third party bank,account or from your credit karma money,save account,in order to fund your spend account,youll likely want to link an external,bank account,to do this credit karma employs the,secure api plaid,allowing you to log into your account in,order to arrange a transfer,frustratingly at this time you can only,link one account at a time,so you may need to go through this,process multiple times if you want to,move funds between various accounts,however in addition to your one external,account you will also be able to make,transfers between your spend account and,your save account whats more,while external transfers may take a few,days to clear transfers between your,credit karma,money accounts happen instantly next in,addition to being accepted wherever visa,is,you can also use your credit karma debit,card at thousands of fee-free atms,in terms of design the front of the,credit karma debit card is pretty,unexciting,although the greenish hue and purplish,mag strip on the back are somewhat,unique,as for practicality the card is a visa,giving it wide acceptance,the credit karma money spend card can,also be used to access cash at more than,55 000 atms without users encountering a,fee,these machines must be part of the all,point network and can be found using the,atm locator and the credit karma app,meanwhile you may still be able to use,your card at non-all point machines,although the atm operator may charge you,a fee finally,one interesting aspect of the spend,account is the instant karma feature,which randomly rewards users with free,purchases when you use your credit karma,debit card to pay for a purchase,you might just be the recipient of the,accounts instant karma program,according to their site the minimum,reimbursement for selected winners is,one dollar,while the maximum is capped at five,thousand dollars also,it appears that this offer is not,available to residents of florida or new,york,in the app you can view recent instant,karma winners of which there arent very,many,therefore while intriguing im not sure,how much benefit users will actually get,from this feature,incidentally if the concept of randomly,rewarded debit card purchases,does interest you you may also want to,check out the recently launched offering,bella loves me,instead overall while credit karma money,spend does have some benefits when used,in conjunction with the save account,both are fairly basic options that dont,really stand out in an increasingly,competitive market,personally while i dont necessarily see,anything wrong with the credit karma,money spend account,its also nothing to write home about,that said if you do already have a save,account it is nice that you can transfer,money instantly to your spend account,and then access it via debit card or atm,but if youre looking for a more full,featured digital banking experience,i think ally discover or sofi money have,more to offer,still if youre a credit karma fan and,like the idea of having an automated,savings plan with easy access when,needed,the money save and spend combo could be,right for you hopefully this gives you a,better idea about the credit karma money,spend account is all about but for much,more on the tool ill have a link to my,full written review in the description,box down below,also if you like this video please hit,the thumbs up button leave a comment and,be sure to subscribe because we have new,videos every week so thanks again for,watching and i will see you next time,here on money at 30.
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How People Get an 800 CREDIT SCORE using Credit Karma
i did a credit karma video a few months ago and i asked you to comment below if youre ,interested in learning about how i maintain an 800 score and the comments went absolutely not today ,were going to talk about it right now and were going to talk about how exactly i got ,that 800 credit score and how you can do the same thing thanks to credit karma im gonna walk you ,through exactly how credit karma works its absolutely free to use ive never paid a dime ,for the thing and ive had it for like how many months now havent even paid a dime i havent ,been scammed havent gotten annoying emails hey before we get started i want to welcome back my ,sweet lifers thats the community where we are smart about how we handle our money so we can live ,our ultimate suite life so become a sweet life for yourself subscribe today and by the way guys ,i want to talk about an important thing and that is the question of the day why do you think credit ,scores are important comment down below drop me a line and let me know why you think a credit ,score is really that important or do you think a credit score isnt really important are you kind ,of in the dave ramsey field of saying credit scores are an i love debt score and the more ,your credit score goes up the more youre in debt guess what im debt free my credit score is 800. ,but who cares ill get to that a little bit later drop a line with your thoughts down below ,lets get to it im gonna actually hop over to my computer were gonna get down to this little uh ,scene right here were gonna go onto the computer so i can walk you through exactly my credit karma ,report and tell you all the details of how you can get an 800 plus credit score so here we are ,all right were on on credit karmas website uh theres a link down below in the description click ,on that link thatll take you over to credit card get started today im going to walk you through ,exactly whats going on the very first thing of course we got to do is log into the thing ,and ill do that right now and then here we are my friends and as i shared with you on ,that video heres my 800 score so how this works and in fact what i want you to do if you havent ,seen that original video yet ill include a link to that video above as well as down below in the ,description and it talks about a little bit of how credit comment actually works how they calculate ,credit scores but they pull from two different ways transunion which is one of the major ,credit reporting bureaus as well as equifax there is another one called experian but for this ,purpose they only have these two whats really cool about credit karma as you can see right here ,its checked daily on transunion i think thats kind of cool equifax is usually i think its like ,once a week or so itll pop in a new score here or an updated score based on what is going on ,so i got to tell you guys really quick years ago i would hop over to annualcreditreport.com ,and uh once a year i would just pull up my credit report now that was my credit report not my credit ,score so it was just kind of like that was what i was doing just to kind of monitor my credit ,and sometimes i would use my credit card benefits to see what my credit score was but ill tell you ,what now that i use credit karma its been just super easy you can either do it this way here on ,the browser as we have up right now or you can hop over on the phone theres an app for credit karma ,that you can keep an eye on as well so heres the trick what im going to do is im going to walk ,you through exactly how i do this and why its important lets say youre sitting here with a 500 ,or a 600 credit score how do you get that up into the exceptional range you want to get it ,as high as possible the maximum score is an 850 so higher the better all right im going to click on ,well start with transunion and as you see here on the browser you just click on whatever you want ,okay so im going to start with transients click on it and thats going to take you over to this ,next screen now heres where its going to show you some history and i want to point something out ,because i know a lot of you are going to zoom in here right now and be like wait a minute look ,whats going on down here you werent at an 800 back here in early 2021. whats going on here 791 ,i was doing a test and specifically what i was doing back here is i decided to max out ,one of my credit cards i still pay it off every single month in full so that way im not debt ,free and carrying over a balance but because i maxed out that credit card my utilization ,went very low and when your utilization goes low your credit score drops and ill explain what ,that means in just a moment but as you can see right now im sitting at an 814 you can see up ,here went up to an 817 all is fine thats great if i want to hop over to equifax i can either ,go back to the home screen or just click right here and right here we go 811 went up to an 814 ,and down here to 787 during my little test so im gonna hop back to transient the very first thing ,you want to do is look down below here this is the key of what you want to look at when ,it comes down to how do i improve my credit score the very first thing is your payment history the ,easiest way to get your credit score up are these two right here payment history and credit card use ,now if youve had some prior months where you werent doing too well with your payment history ,youre gonna have to keep focusing on that its a little bit more of a marathon but ,every single month make sure you pay your credit card on time at minimum and pay your loans on time ,every single month dont ever ever delay no matter what you can do scrape as much money ,get a side hustle work for dominoes deliver pizza on the weekends figure your way out to never have ,to be late on any payments ever thats a key point the next step and this is important lets say your ,payment history is on point but your credit score is at like a 600 or 700 you want to get ,it up a little bit higher and youre like well my payment history which is a high impact a very ,good weight to your credit score thats looking great well the next step you want to look at is ,over here at the credit card use its basically looking at how much of your available credit line ,are you using creditors look at it this way if all of a sudden you have like lets say a twenty ,thousand dollar limit on your credit and youre using nineteen thousand dollars that means you ,only have one thousand dollars left to spend on credit the higher that amount is the more risky ,creditors find you to be the reason for that is theyre worried that youre going to go rogue ,and you might not be able to pay your bills because you have too much racked up in debt ,so im going to actually dive into this is another cool thing about credit card if you ,click on any one of these boxes itll give you a deeper dive im going to click on credit card use ,for an example its going to pop me over here and let me know whats going on first thing i want to ,point out is right over here check this out right here two percent so i have an eighty four thousand ,dollar credit line right now at fifteen hundred dollars is being used this is basically my uh ,credit card that i continuously pay off in full every single month sometimes i dont always hit ,the statement date so it gets reported but look at this zero to nine percent is boom bam great ,10 to 29 is still good so ill give you one thumb up instead of two and then we get serious around ,49 to 30 percent anything down below here is what you want to avoid my friends is 49 down to 75 ,plus if youre using that much of your available credit right here you got to stop you got to get ,this down to at least 29 or preferably in the low nine eight seven six five four three two one ,okay
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BE CAREFUL USING CREDIT KARMA – WHAT YOU SHOULD KNOW
Credit Karma. It offers you a free ability to look at your,credit score to see if youre doing well with your credit or not so well,but is it legit the title of this video is,be careful and im going to share with you today in this video,what you need to know about credit karma how it pulls your data,how it reports your data and im going to share with you my own,credit score and my own review with credit karma,coming up next stay tuned well hey if this is the first time you and i have,met my name is bob and i help people crush,debt build wealth and live their ultimate sweet life so if youre,into personal finance and learning how you can build wealth and get,weekly tips and strategies for your personal wealth subscribe today to,become a sweet lifer right now so let me get started credit,karma i was looking around for the reviews just like you and i want to,start at the beginning of this video and let you know,that i am not getting paid by anybody to do this review,thats not the point of sweet life money in this channel im not here to be a,sellout im here to give you my own personal reviews on things based,on what i find and ive been hearing a lot of things,about credit karma so i figured okay first let me see what kind of,reviews are out there so i looked around and theres a lot of hate,about credit karma so i said you know what heck with it,its free im just gonna go to creditkarma.com and,sign up so i did and uh you know i im gonna give you my,review in just a moment ill be honest with you you know youve been following,my channel you know and if you havent im a big,follower of dave ramsey and you know papa dave will not be happy,right now that im talking about credit scores because credit scores to,him is an i love debt score well but to be honest this is the one,place where i kind of stray away from that piece because,nowadays credit scores are kind of important i mean for your mortgage and,for loans and things like that if you need them,and honestly sometimes even jobs now look at your credit score,so i think its important to if youre smartly managing,how you handle your money your credit score,will come along as a positive benefit and not a negative benefit,now credit karma what they use is a calculation called,vantage score three vantage score is a just basically a way of taking the,information from the credit reporting agencies such as transunion,equifax and experian and reporting out what that score is based on your credit,history theres also other things like fico you might have heard about the fico,score right they have uh fico one two three right,now fico eight is kind of the main way that a lot of lenders,pull your credit score so fico 8 is definitely something to look at,and coming up soon is fico 10. so really quick,dont want to bore you ill put another video on this a little bit later but,fico 10 what theyre going to do with that,is actually do some trend data so in the last 24 months,did you carry a balance on your credit cards and things like that,month over month over month did you consolidate loans,in any period of time so fico 10 is going to give lenders,an even more deeper look into how you handle your debt and how you handle your,money so credit karma uses vantage 3.0 and i,think right there is why a lot of people get upset,and theres a lot of reviews out there saying that credit karma,is not correct well thats why i say be careful,because you could go into one of those review and just say oh wow looks like,theres a lot of hate toward credit karma,but if you got the hacks if youve got the tips right here from the suite life,money channel youll know how you can handle this a,little bit better so with the vantage score its just a different way of,reporting vantage what they do is they basically,take a combined set of credit reports and thats how they,basically assume your calculation on how well your credit is,whereas fico they look at millions of credit reports from millions of,different people and based on your performance with the,top five ways that they look at your credit,thats how they assign you a particular score,so thats the first thing to be careful of is the reviews that say credit karma,is is completely off i i dont think its,really necessarily that i think its a,difference between the calculations now i want to give you my personal credit,karma review so the first thing i did credit karma.com as i mentioned earlier,i plugged in my email and signed up i will tell you first of all it was very,quick and very easy that was kind of crazy how fast this,worked literally it was within minutes and all of a sudden i had my,my credit scores i had a little bit of my credit reporting,and it was very clean looking and to the point so a lot of times i use,annualcreditreport.com in fact ill link that video above if you want to check it,out on how i pull my annual credit report,from the three major reporting agencies but with credit card,i was like wow this was quick another thing i was a little worried,about though is because i signed up with my main primary email,i was like crap why did i do that because now whats going to happen is,credit karma is going to send me an email every week,every day every hour trying to get me to buy,something so they can make some money but i will say now after a month i have,not received any emails from them except for the very first verify your,email that pretty much anybody sends when you,sign up for something so that actually surprised me now you might,wonder well how does credit come and make money im getting all this stuff,for free and you can check it anytime you want for free how do they make money,well heres where the catch is heres another thing to be careful of,credit karma makes money based on what you do on their website with,getting a loan or getting a credit card so what theyre going to do is theyre,going to say heres your credit score heres a little bit of your credit,report and heres the credit cards we recommend based,on your current state so thats where you need to say stop,hold on i dont need any more credit cards i just need to understand what my,credit score is and my credit report the moment that you apply for a credit,card or a loan thats how credit carmen makes their money now of course if you,want to support them by all means do it but i do warn you dont just get a,credit card to have a credit card you got to be smart,with how you manage your credit and your money so,i have over an 800 credit score and i have had an 800 plus credit score which,is excellent for a very long four years okay uh if,youre not aware the highest credit score you can have in the,850. so uh if you want to know how you can get an,800 credit score based on what ive learned,what i want you to do is comment below and say show me that 800.,put that in the comments below show me that 800 and i will make a video on,the exact steps that i used to turn my credit score around and keep,it up in the 800s for years and you can do this as,quick as 30 days so comment below but let me let me kind of go over some,things first of all creditkarma.com you can get that vantage,score if you want to get a fico 8 of course you can go to myfico.com but,that costs money so how might you be able to do this for free,well there are certain credit cards that part of your membership of owning that,credit card theyll actually provide your fico score,for free using fico eight okay so if you want a,difference between the vantage thing that i talked about,earlier and the fico eight thats a great way to do it i have two,credit cards that do that for me my city card and my amex card so citi,card what they use is equifax thats how they get their,information using fico 8 and then amex what they use is experian,again fico 8 so that gives me a chance to,look at that from that perspective and then look over at credit karma which,uses both transunion and equifax and i can,get a whole well-rounded number so ill link the credit cards i use,below if y
Credit Karma Money Spend Review: Everything You Need To Know
whats good everybody boy,everything today were talking about,this card right here its a card to,credit karmas,money spend account now ive actually,signed up for this since,april ive been using it for a couple,months now and im going to talk about,what the process was like,some of the benefits some of the,opportunities that they have and,basically see if this card can actually,be your,main financial institution lets go,ahead and get into it,so ive actually been using credit karma,the actual credit monitoring service,for probably about nine years now its,free it gives you daily and weekly,updates on your credit score,not only that it can has benefits like,letting you know where you stand with,all your creditors,if you miss the payment things that you,can dispute optional cards for you,ways you can save money and the biggest,benefit is,if you guys someone actually gets a hold,of your social your private information,creates a new account under your social,youll kind of get a heads up on that,right away,um itll show up on your um credit karma,account so if you guys do want to check,out credit karma there is a link,to the in the description and that way,you guys can download it sign up to 100,free but lets get into the video so,what is credit karma,money spend well its an online checking,account thats 100,free theres no minimum balance theres,no maintenance fee,theres no overdraft fee theres no not,sufficient funds fee,its basically just an online account,which it provides you with routing an,account number,so you can still process even though,theres no checks you can still process,digital payments,such as like ach and you know online,checks,so you do have access to about 55 000,atms,nationwide which is pretty good um and,that it comes without a fee,so you can use that well go into it,more a little bit later so the sign up,process was,pretty easy i was able to complete the,application and submit and get approved,within about five minutes i just had to,provide some basic information,name address tax id number etc and once,i got approved they immediately allowed,me,to well basically add this debit card,information,to either google pay or apple pay i,believe google pay is not g,pay but um but yeah you can add it,immediately and also after that,you will be able to fund the account,through an external bank account right,so if you have like,a chase bank of america capital one,wells fargo,or credit union youre gonna go ahead,and just transfer funds in there,and then it takes about three to five,business days to actually,you know have the money be available,sitting in your account and once it is,available you can start using a google,pay while youre waiting for your debit,card to get to you,now my debit card for me actually took,about two,full calendar weeks to get to me so it,was pretty,pretty good so i was able to basically,use this everywhere that i went i use it,at a grocery store,drive-through for fast food and things,like that use it to get,gas um it works just like any other,debit card right,one of the big features that it did sell,me on which i was,super super curious about was the,ability to get your paycheck,two days early now me personally i am a,salaried employee i get paid on the 15th,and the 30th and sometimes the 15th will,literally fall on,tuesday which means i got to go through,the weekend,survive the weekend and kind of be,eating rice and,spaghetti for the next two days so the,fact that if i get my paycheck,a couple days early then you know its,really really good,and for the first time it actually came,two days early,right like it actually shows up if i was,supposed to get paid on friday,or it would show up on wednesday around,10 30 a.m central standard time its,probably like you know,11 30 for eastern time and so forth you,you do the math but at the end of the,day um the paycheck actually,showed up and um or the funds actually,showed up,you know two days early which i was,super excited about so this account acts,just like a normal checking account you,have your routing and an account number,that will be provided to you,in which you can you know set up your,direct deposit from any other source,or you know youre a linked bank you can,transfer funds there ach payments online,payments,are totally accessible so you can access,over 55,000 atms nationwide without paying any,type of,fee for drawing your funds um now these,atms are set up on whats called the all,point network,and these atms are typically found,inside like targets walgreens cbs,and some of these stores arent 24 hours,so that is one kind of the drawback that,if you do want to go ahead and,get to your money some theres not a lot,of standalone atms that are,kind of like available 24 hours a day,some of them are located inside of a,convenience store,or a superstore etc so they do have this,one feature on the account its called,instacarma if you use your debit card to,make an,expenditure um you have the potential to,get reimbursed for that and they,actually updated by the minute you can,actually,view whos getting reimbursed um you,know by the minute really,its usually about four or five people,every minute and theyre getting back,like two dollars,fifteen dollars some people are even,getting back like hundreds of dollars,for their purchases so its something,like an incentive to,um utilize this card and to spend money,on it,um i think its a good thing they said,that theyve actually given away 3.99,million dollars back to people who have,um,use this card and the cool thing is all,that you can see a lot of people who are,real time getting these these,like refunds or these reimbursements and,a lot of times,people getting it back for the sixth,time so its a great incentive,and i actually like that about it so a,lot of the features that are set up,are basically done within the app um you,can go into their settings and look at,your statement you can request a,debit card replacement um everything is,really managed through that app which,makes it a little bit easier as one,centralized place,so um you dont have to hunt down for,another app etc to um,basically you know look at your spending,account so is credit karma money spend,account really ready for prime time and,i think it is although i dont think,its,ready to replace your primary checking,account because of some drawbacks,and im gonna go over them now so the,first one is that well there arent any,locations where so were gonna get that,one out the way there arent any,branches or anything like that,um but well just move past that one,another one is that well you dont have,a lot of deposit options to deposit,funds into your account,um you cant deposit it from an atm nor,do you have the ability to,you know take like a mobile deposit,where you can take a picture,of a check and be able to actually,deposit that,those funds immediately into your bank,account or at least a portion of those,funds,secondly they dont offer zell as well,now a lot of the major banks do offer,zell um as a free way that you can,transfer funds almost immediately up to,a thousand dollars a day,um completely for free this does not,have that,um so that is something that you do want,to take into account if you do use zell,you do not have the ability um to,utilize it with the credit karma,money spend account the next thing is,that well,they dont have any fees including no,overdraft or any,non-sufficient funds fees right and the,reason for that is because they dont,really guarantee that,in your service agreement that you can,actually overdraft your account,they have the ability to reject that,payment that is trying to come through,if you dont have the funds to cover it,now i know you should have the money to,cover whatever youre trying to buy but,ill just give you a little scenario so,im in my new apartment and,lets just say that my rent is a,thousand bucks for my apartment just to,make a round easy number,and lets just say i have a thousand,dollars on my spend account so i,use the wri
Credit Karma Savings Review: What to Know About the Digital Banking Tool
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CREDIT KARMA MONEY SPEND & SAVE ACCOUNTS[Music],hello good people this is darrell and,welcome to personal credit solutions,where we provide credit education for,beginners and advanced credit consumers,and the purpose of our youtube channel,is to provide credit education to our,clients and help better help you guys,better understand the credit repair,process,so today were going to look at a little,bit of online banking options,i just had a few people ask me about,credit karma,money spend okay so take a look at that,and you see it starts off here,that we never charge fees so its,basically a bank account okay,its 100 free to open with no hidden,fees or penalties,theres no minimum balance requirement,no overdraft fees,and their free withdrawals from a,network of over 55 000 all point atms,its a very popular atm,service there,all right so,one of the,benefits here is youre going to be able,to get direct deposits your paycheck is,going to go into your account and youll,be able to get access your access to,your money up to two days in advance so,theres a lot of services like this out,there but this is uh just one of the,features,safety and security as they say here the,funds in your account are fdi fdic,insured up to five million dollars,and you can instantly lock,your debit card if theres any problems,with fraud or you lose your card or,anything like that,most credit cards and debit cards,provide that service right now you can,easily dispute transactions so if you,have a problem with the creditor you can,dispute that here,so it says take the first step so,theyre going to send you down the path,of signing up im not going to be able,to take you there,but you do have to have a credit karma,account so if you dont dont already,have one go ahead and create one here,where it says sign up go ahead and,create a new account,when they say how it works thats going,to take you to how credit karma works so,thats not,what youre going to be looking for on,this but most people have a credit karma,account,so this will be pretty simple,so this is basically for young people,people without bank accounts and you,know its good to have a bank account,thats going to provide you with a debit,card youre going to get a visa card,with the account so youll be able to,use that for your regular,spending there are some common questions,i want to go over here right these are,things that you guys might be thinking,and you want to ask about are credit,karma money spin accounts really free,and youll see here that theyre saying,theyre 100 free,we already talked about no minimum,balance theres no activity fees either,if you dont use it no annual fees no,monthly fees no withdrawal fees,now there is an atm network you know of,55 000 atms with the all point,atm network so you will have fees there,right,does not directly charge this fee,but you will have a fee if you use those,according to whatever the fee is at the,atm if you use your card to transact in,foreign currencies then youll be,charged an additional one percent so not,too many people gonna have that issue,right,so how does credit,karma money spin work,so just a little review and well read,what they have here credit card is not a,bank,they partner with mvb bank though okay,to provide banking services so youre,really just getting banking services i,havent found anything in this service,about reporting to your credit or,anything like that,so this is a bank account for people who,maybe have trouble getting a bank,account or maybe young people who are,just starting off and theyre really,good with technology,they can work with this system and with,their credit account of course theyll,be able to get their credit reports,online and things like that when you,open a credit karma money spend account,your funds will be deposited into an,account at mvb bank and its deposit,network,all right which is a member of the fdic,so its fully insured,up to 250 000 in case theres any kind,of issue,and you can use your spend account for,electronic payments make everyday,transactions with your credit card,alright so,paying your bills online,you can use your debit card for that and,just any other purchases while youre,out shopping you can also deposit,deposit excuse me,from your credit karma money account,save account,directly through the money,section of your credit karma account so,money save account is a,savings account that credit karma has,so if you want to deposit between your,savings account and your checking,account you can do so,its not a bad idea to get a savings,account maybe you have one,that you dont have to deal with a lot,youre able to maybe get some automatic,deposits in there and save up some money,currently the count as they say here,cant accept deposits made with cash,or paper checks this is strictly an,online service guys,all right which atm can i use with my,credit karma visa debit card we already,talked about the 55 000,all point network atms right,you can click here,and get a list of all those atms,okay folks so there you have it the,credit karma money spend account is a,checking account,that youll be able to,get a debit card with okay youll get,the,credit karma visa debit card so you can,make,purchases,a lot of atm options there for you,so thats going to be it for the credit,karma spend account ill have a little,more information on an extended video,about the credit karma savings account,so stay tuned for that,thank you,[Music],so now theyre going to give you a,little more info about how the credit,karma money save or savings account,works here okay so this is the savings,account,um,as you can see here they use a network,of 800 plus banks to provide,100 free savings accounts so this is,really,a feature that i think is great about,the credit karma save account,this account uh is free so you dont,have any fees okay,they say you get an annual percentage,yield but you know its not too much,there this they say its competitive,the save account is eligible for,fdic insurance up to five million,dollars theres never a minimum balance,to open,and maintain your credit karma money,save account and theres no hidden fees,so this is really good as long as you,have at least a penny in your account,you can start earning interest,and how do you open the account of,course this is a link that you can click,to open,all right so you can go there click,right on this link here and theyll take,you to the place to open the account,and there it is you know i just dont i,think were going to be repeating our,sales on the rest so you can get more,info from these two links here so we,have the credit karma,money,spend account,which is the checking account right that,comes with a debit card,all right,and you can use that card anywhere and,the money save account,is your savings account,and thats a hundred percent free as,well so both of these are free accounts,great way to get a banking account and a,debit card for you to be able to use,your money,and thats it for this video and if you,have any,questions about this account go ahead,and check their questions check all,their information online,also,let me know by text or email if youve,signed up to get this account,alright im going to sign off on that,thanks again for,your time and for watching the video,have a good one,[Music]