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The YouTube video tutorial discusses a credit card option for individuals with bad credit who want to be approved without upfront money. The credit card has an APR of 24.9 to 29.9 and allows for approval even with a bad credit score. After six months of on-time payments, the credit limit can be doubled from $500 to $1000. The card reports to Equifax, Experian, and TransUnion to help build credit. The card in question is the Reflex Mastercard, offering instant approval for credit limits ranging from $300 to $1000 without requiring a deposit.