I can't believe nobody's teaching this. I'm gonna show you guys how to get your first credit card to be on your way to a perfect credit score.

@alexdiaz.rei

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SoundTikTok sound · Mii!

Promoted product

Discoverhttps://www.discover.com ↗

Why it worked

The video provides high-value, actionable financial advice that solves a common pain point for young adults, while using a clear, step-by-step tutorial format that builds trust.

Summary

The creator provides a step-by-step tutorial on how to apply for a secured credit card through the Discover website. He explains the purpose of the security deposit and offers tips on how to build credit responsibly.

Structure

1Introduction to the problem of building credit
2Navigating the Discover website
3Selecting a card and filling out the application
4Explaining the security deposit requirement
5Tips for maintaining a good credit score

Product placement

The video features a screen recording of the Discover website, showing the application process for a secured credit card.

Call to action

Follow for more, sub to the YouTube channel, link is in the bio.

Original caption

How To Get Your First Credit Card 💳 #finacialliteracy #creditcard #financialeducation #above_average #fyp

More from @alexdiaz.rei

On-screen text

Welcome to Exceptionally Common Sense How can we help? Online Banking Personal Loans Student Loans Home Loans All Products Credit Cards Secured Credit Card Earn 2% cash back Unlimited Cashback Match Apply Now Card Design Your Information Terms & Conditions Important Information Agree to Electronic Communications Submit Minimum Payment Due $0.00 Balance Summary Automatic Payments Change Payment Due Date Manage Bank Account

Transcript

I can't believe nobody's teaching this. I'm gonna show you guys how to get your first credit card to be on your way to a perfect credit score. First, you want to go to this website right here, discover.com. Click on all products, credit cards. And if you have no credit history, this is the one you want. So you're gonna want to click on apply now. It's gonna take you to this page right here. Pick out the color you want. Let's say I want blue. Then you're gonna want to fill out all the information right here. One thing you will be needing is this right here, $200 for your deposit. The reason they ask for the deposit is because you technically have no credit, so you have no creditability that you're gonna pay that money back. So instead of them taking the liability and lending you $200 of their dollars, they're gonna lend you your own $200. From here, you only gotta do two things: turn on automatic payments and spend under 10% of your credit limit every month. Within a year, you'll get your deposit back and have a solid score. Follow for more, sub to the YouTube channel, link is in the bio.