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[@shondamartin_](/creator/tiktok/shondamartin_)
"#greenscreen did you learn something 👀"  
[TikTok Link](https://www.tiktok.com/@shondamartin_/video/7003798953682668805) [@shondamartin_](/creator/tiktok/shondamartin_) 2021-09-03T19:56Z 859.4K followers, 1M engagements


"99% of ppl get the #AmexPlatinum because it's a status symbol but the #AmexGold is actually a more fitting #CreditCard for XX% of ppl. #Travel #CreditCard #AmericanExpress #Credit #Finance"  
[TikTok Link](https://www.tiktok.com/@shondamartin_/video/7194170758145379626) [@shondamartin_](/creator/tiktok/shondamartin_) 2023-01-29T20:17Z 859.4K followers, 1.6M engagements


"Replying to @Simba Lamont Pugh The American Express Platinum Card is Overhyped"  
[TikTok Link](https://www.tiktok.com/@shondamartin_/video/7343402894374358314) [@shondamartin_](/creator/tiktok/shondamartin_) 2024-03-06T23:54Z 859.4K followers, 1M engagements


"#greenscreen FICO 10T is officially being launched guys are you prepared 😰😰😰😰"  
[TikTok Link](https://www.tiktok.com/@shondamartin_/video/7084248182862908714) [@shondamartin_](/creator/tiktok/shondamartin_) 2022-04-08T15:01Z 859.4K followers, 138.9K engagements


"Replying to @shondamartin_ Credit Basics Part 1: What is A credit score"  
[TikTok Link](https://www.tiktok.com/@shondamartin_/video/7120800901501193518) [@shondamartin_](/creator/tiktok/shondamartin_) 2022-07-16T03:04Z 859.4K followers, 107.2K engagements


"Reply to @kyraaa521 HOW TO GET AMERICAN EXPRESS PLATINUM"  
[TikTok Link](https://www.tiktok.com/@shondamartin_/video/7036830595019771182) [@shondamartin_](/creator/tiktok/shondamartin_) 2021-12-01T20:16Z 859.4K followers, 1.4M engagements


"American Express unveils their new BANK ACCOUNTS 😱"  
[TikTok Link](https://www.tiktok.com/@shondamartin_/video/7083209447685901614) [@shondamartin_](/creator/tiktok/shondamartin_) 2022-04-05T19:50Z 859.4K followers, 655.7K engagements


"Replying to @nursesmw Charge Card vs. Credit Card: X. Payment Terms: Charge Card: Requires full balance payment each month. Credit Card: Allows carrying a balance and making minimum payments. X. Interest Rates: Charge Card: No interest as full balance is paid monthly. Credit Card: Interest accrues on carried balances. X. Spending Limits: Charge Card: No preset spending limit but not unlimited; varies based on spending habits and payment history. Credit Card: Predetermined credit limit based on creditworthiness. X. Fees: Charge Card: Typically higher annual fees but no interest charges. Credit"  
[TikTok Link](https://www.tiktok.com/@shondamartin_/video/7212757529560976683) [@shondamartin_](/creator/tiktok/shondamartin_) 2023-03-20T22:23Z 859.4K followers, 76.1K engagements


"Building credit might seem straightforward but many people struggle to create a strong profile even with high scores. A good score alone isn't enough; a solid credit profile is essential The initial three years are crucial for laying the foundation of your credit profile. Once you've established that your credit should work in your favor for life"  
[TikTok Link](https://www.tiktok.com/@shondamartin_/video/7353111158376762666) [@shondamartin_](/creator/tiktok/shondamartin_) 2024-04-02T03:46Z 859.4K followers, 107.3K engagements


"Build that credit up so you can live on #LuxuryTok #blackwomeninluxury #Credit #Benz #Amex #LouisVuttion #Gucci #ShopingHaul"  
[TikTok Link](https://www.tiktok.com/@shondamartin_/video/6999741700621061382) [@shondamartin_](/creator/tiktok/shondamartin_) 2021-08-23T21:32Z 859.5K followers, 2.2M engagements


"Reply to @janehumby Principle only payments"  
[TikTok Link](https://www.tiktok.com/@shondamartin_/video/7077645893402397998) [@shondamartin_](/creator/tiktok/shondamartin_) 2022-03-21T20:00Z 859.5K followers, 80K engagements


"Is it better to pay in full or settle your collections"  
[TikTok Link](https://www.tiktok.com/@shondamartin_/video/7138627039967350062) [@shondamartin_](/creator/tiktok/shondamartin_) 2022-09-02T03:58Z 859.5K followers, 38.5K engagements


"Yes derogatory items on your credit report has a reporting time limit of seven years from the date of first delinquency. The date of first delinquency is established by month in which the account went into a default status. Rather thats collection status or charged off status. DOFD can not change even if the account is sold multiple times"  
[TikTok Link](https://www.tiktok.com/@shondamartin_/video/7138765907538480426) [@shondamartin_](/creator/tiktok/shondamartin_) 2022-09-02T12:57Z 859.5K followers, 25.4K engagements


"Replying to @hotel_hacks_ #greenscreen Best Credit Cards for beginners or ppl looking to rebuild their credit profiles after having bad credit. #Credit #BuildingCredit #buildingcreditwithnocredit #creditscore"  
[TikTok Link](https://www.tiktok.com/@shondamartin_/video/7198654749825092907) [@shondamartin_](/creator/tiktok/shondamartin_) 2023-02-10T22:17Z 859.5K followers, 476.2K engagements


"Basic Credit Profile Recommendation: 👉🏾 X OPEN primary accounts 👉🏾 X Credit Cards 👉🏾 Credit Card utilization between 1-10% 👉🏾 X Short term installment 👉🏾 X Long term installment Easy fool proof credit profile that WILL aid to an increase in your score borrow worthiness AND set up for growth. Even if you have collections charge offs etc YOU STILL NEED THIS SET UP This directly correlates to how FICO pts are distributed this will aid in continuous growth (if your responsible and not getting late payments etc). You have to be consistent & do not expect an overnight change. Credit"  
[TikTok Link](https://www.tiktok.com/@shondamartin_/video/7258003562448293162) [@shondamartin_](/creator/tiktok/shondamartin_) 2023-07-20T20:40Z 859.4K followers, 583.3K engagements