Stephen Liao (@Credit) discusses credit tips for beginners and the best credit cards for 2020. He has a $20+ MILLION line of credit at just 22 years old. With over 200 credit cards and a near-perfect credit score, he does an incredible job of building, repairing, and hacking credit. We sit down to share with you tips and tricks on how to build credit fast! What cards to apply for, mistakes to avoid, travel bonuses, and more! We also discuss his top 3 favorite credit cards, and the ones to avoid!