Hey I'm 18 👋

@casper.capital

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SoundTikTok sound · original sound - casper.capital

Why it worked

The video taps into a common financial aspiration for young adults: building credit and achieving financial independence. The "credit card piggybacking" strategy is presented as a clever, albeit unconventional, hack that resonates with viewers looking for shortcuts to financial success.

Summary

An 18-year-old claims to have an 800 credit score by being an authorized user on his mother's credit cards since he was 13. He explains this strategy, called credit card piggybacking, as a way to build credit without having his own card.

Structure

118-year-old wants to buy a car
2Salesperson expresses doubt about credit score
318-year-old reveals 800 credit score
4Salesperson questions how it was built
518-year-old explains credit card piggybacking

On-screen text

Hey I'm 18 👋 and I'm ready to buy a new car 🚗 18?! 😱 Kid you should slow it down ⚠️ There's no way you have ❌ a good enough credit score ✅ You think so? 😊 Pssht An 800 credit score?! 🤯 Kid, this takes years to build 🗓️ Are you showing me your mom's? 🤨 No this is actually mine 🙋 but it is thanks to my mom 🥰 What? What did your mom do? 🤔 When I was 13 I made her call 🏦 her banks and add me as an authorized user to three of her credit cards 💳💳💳 So for the last 5 years I've been building credit score credit without having my own credit card 💳 This is called Credit Card Piggybacking 💳💳 I'm gonna do this with my kids ✅

Original caption

Buying A Car At 18 Years Old! 💸 #PersonalFinance #personalfinancetips #finance #financetips #moneytips

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Transcript

Hey I'm 18 and I'm ready to buy a new car. 18?! Kid you should slow it down. There's no way you have a good enough credit score. You think so? Pssht. An 800 credit score?! Kid, this takes years to build. Are you showing me your mom's? No this is actually mine but it is thanks to my mom. What? What did your mom do? When I was 13 I made her call her banks and add me as an authorized user to three of her credit cards. So for the last 5 years I've been building credit without having my own credit card. This is called Credit Card Piggybacking. I'm gonna do this with my kids.