10 CREDIT CARDS BASICS | 10 MOST ASKED QUESTIONS for Beginners | Credit Card 101 |
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- Опубліковано 10 лют 2025
- Hey guys!
I love getting your questions about credit cards and how my #JaxHacks was able to help you! Sa vlog natin ngayon, I compiled 10 (actually 11 siya) mostly asked questions for beginners about credit cards on my UA-cam and IG account.
I will be discussing and talking about 10 things about credit cards, 10 credit card basics, 10 mostly asked questions about your credit card, and its somewhat like a Credit Card 101 refresher na rin for everyone out there.
As always, these are your #JaxHacks and these are all based on my real-life experience and I hope these hacks help you utilize your card better.
As always, comment, like, share, and hit that subscribe button! Let me know what else do you want to learn about and what kind of videos you want me to create! :)
🕰️ TIMESTAMPS (so you can skip to those questions na gusto mo malaman)
➜ 01:04 - Q1 - How do you use your credit card?
➜ 01:34 - Q2 - Where to apply?
➜ 01:55 - Q3 - Where do you find your SOA or Statement of Account
➜ 02:45 - Q4 - Ano ang cut-off date or statement date?
➜ 03:51 - Q5 - Ano ang minimum payment?
➜ 05:20 - Q6 - Ano ang credit limit?
➜ 06:27 - Q7 - Ano ang available credit limit?
➜ 06:53 - Q8 - Saan mo makikita rewards points mo?
➜ 07:15 - Q9 - Ano ang due date?
➜ 07:54 - Q10 -Saan magbabayad ng Credit Card Bill?
➜ 09:12 - Q11 (BONUS) - Ano ang cash advance?
➜ 10:45 - FINAL Reminders - 3 Things for Beginners!
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🤝 GET IN TOUCH WITH US:
JAX 👦
📸 Instagram: / jacquesjax
🐦 Twitter: / jacquesjax
🎵 TikTok: www.tiktok.com/@jacquesjax
JAZ 👧
📸 Instagram: / _jazreyes
🎵 TikTok: www.tiktok.com/@_jazreyes
📧jaxandjazr@gmail.com
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We're two Aquarian siblings who loves bumping bellies and talking on their cellies 24/7. Jax is a full-time corporate employee and entrepreneur, while Jaz is a Radio DJ, host, and content creator! We make videos about personal life, finance, fashion, travel, and eats. We're kinda super similar but also super different at the same time. ❤️
#JaxAndJaz 10 credit card basics, 10 things for credit card beginners
Thanks for your videos!! I was given the privilege to have a pre-approved CC w/ 120k limit as a student. First thought is nakakatakot, pero once I got to watch your vids and did some research, I finally became more confident and responsible. I'll surely use this as a tool to build credit history 😄
Congrats Abby! Yes!! Use it wisely! and yun nga sabi ko kahit students really are able to get a card :) kaya for sure you have quite a significant savings in that bank! Good job!!
Been a multiple credit card user for more than 5 years now but I am still learning a lot from you. Thanks Jax! ❤️
Aww!! yey!! Glad you're learning pa rin!! Thanks for watching!! :)
May service charge po ba pag iterbank yung pag transfer ng payment? Example bdo acct magbabayad sa citi credit card?
I just got my BPI credit card approved today. This video is concise and informative. Straight to the point, Walang eme eme. ❤️
awww thank you!!
This channel is very informative. Financial literacy is really an edge nowadays! Thanks Jax.
Aww thanks!! Yes thats the goal talaga now!! ❤️❤️
meron po akong bdo credit card na activate ko na po paano po ba yun gagamitin at lagyan ng pin
On point ang discussion. Love it!!!
Ito yung video na hindi mahirap maDigest kasi well-explained.
Anyways, Congratulations Monetize na. I know its late but still wanna greet you. More CC Contents pls 😘❤️
Aww thank you! Dahil sa inyo rin yung kaya na monetize na yung channel appreciate all you guys
Wow so nice.. ang ganda ng vlog nyo po.. ngaun alam ko na kung paanu gamitin kung mag apply yung asawa ko sa credit card.. maraming salamat... To much clear talaga👏👏
Yey! Ty po!!
The simplest explanation there can ever be. Grabe hinimay lahat. Thanks for all the useful info Jax 😊
awww thank you po! glad nakakatulong!
Ready na akong magka CC dahil sa Inyo po. Takot kasi ako sa credit card. Ngayon,naintindihan ko ng sobra dahil sa Inyo po. Thank you po talaga for imparting your knowledge to us.
aww ty naman wag matakot but use it wisely and dont overspend
Thank you jax sa magandang information about credit cards .. im beginner kaya so thankful po ako sa inyo
glad nakakatulong po
First time ko po magkaroon credit card. Salamat sa mga information na shinare mo po 😊
Welcome po! Glad na helpful siya
Another one! 😍😍😍 Just so you know Jax because of you I decided to apply for a credit card!
WOW!! Yey!! Katuwa naman!! :)
I always watch all your vedios po.
Marami akong natutunan.
Thank you 😊
thank you naman! glad na helpful po!
Thanks Jax! Your vlogs is so informative. I had my first bpi blue mastercard last February and it was so easy for me to apply because i have existing account in the bank. I'm still a college student and the credit card is so useful 🥰
You're welcome princess! Galing!! Start young and build your credit!!
Salamat sa sa maraming Info..sa katulad kong newbie sa Cc..
I loved the way u explain 🤗❤️
Godbless😇❤️
Aww ty po
Been binge watching your credit card videos since I got approved for a secured credit card! 😁 btw secured credit card yung may iho-hold sila na certain amount then 80%-90% of that amount yung credit limit.
Oo yes ganun yung secured credit card hehe.
Thanks for watching Toni!
Malaking tulong ito sa akin
1st time kong magkaroon ng credit card
Informative as always! I enjoy watching these kind of videos kahit na sa bank ako nag wwork, yes to financial inclusion to everyone and financial literacy.
Thanks Hanz! Appreciate it! Hehe! Super important kayo kasi kahit pandemic alam kong nasa branch kayo day in and day out!
Maraming salamat sa mahalgang inpormasyon sa pag handle ng credit cards.
welcome po!!
galing mag paliwanag super na intindihan ko talaga...
thank you po!
Napakalinaw❤️
This is very helpful for beginners like us who wants to know more before using it. Very informative, thaaanks alot for this. Keep it up! 🙏🏻❤😊
Thanks Ynnah!! :)
Brief but precise discussion. Super thumbs up! Ang dami ko talagang nalalaman about cc's dahil sa vlog mo. 😊 Thank you
Aww thank you Katherine!! ❤️❤️❤️❤️❤️
Wow Congrats Jax 👏👏 Yeehheeyyy Monetize na.. Keep it Up 😉
Salamat Itachi!! Hehe
Hi Jax thanks sa info,malaking tulong ito para sa aming new be sa CC worried ako malaki pala annual Fee
Congratulations Jax! 💜 Another great video! ☺️
Aww thank you!! ❤️ ❤️ ❤️ ❤️ ❤️
Very Informative🥰
Thank you 🥰
❤️❤️❤️
Searching for best explainations about cc. Just got my bpi cc last month and superrr takot akong gumamit kaya di ko pa na activate. LOL. Thanks for this very informative video ☺️
awww you're welcome!
Thank you for this video. Beginner po ako sa pag gamit ng credit card. I find this video very helpful po.
Awww ty po
Decided to subscribe here, super helpful nito even tho I’ve been using CC’s since 2018 👌🏼
Thanks E. C.!!!! ❤️ ❤️ ❤️ ❤️ ❤️
thank you for explaining it very well.
Newbie here ❤
Very helpful thanks 🙏 😊😊😊😊
Jax & Jaz i got my Citi Credit Card! Keep uploading! and spread more wisdom about CC!
Oh my gosh!! Yey!!! Thank you for your kind words!!
As always, very informative yung videos mo. Thank you Jax ❤
Aww thanks Charyl!!! ❤️❤️❤️❤️❤️ welcome!!
Sana friend kita in real life, Jax! Full of learnings!
Thank you for this. Really looking for this info before getting a cc
Lodi talaga kita!!! Keep it up!😊
Salamat naman Louie!! 😝😝😝
Thanks. It’s very informative.. Sobrang natuto ako😊
Thank you so much po..credit cards beginners here...
yey! welcome!
I applied for my first credit card sa BPI sana ma-approve haha Thank you for this! 🙏
Best of luck! Best to have an account with them mas easier :)
@@JaxReyes_ mukhang malabo po eh haha 1 month pa lang po yung payroll account ko sa kanila :'(
@@johnrowin ay naku try lang walang mawawala ❤️ goodluck
@@JaxReyes_ okay go thank u po
I applied with bpi, 2 years payroll and 5 years savings account with money flow, declined :(
Thanks!! Learned a lot!! Got a call today from a bank offering me a credit card.
You're welcome Vaz! YEY!!!
I just got my visa credit card today and thank you for information here for first time user :)
Yey!! Congrats!!!
I agree always pay everything in full. also, They say use only up to 30% of your credit limit... it impacts your credit standing. sayang kasi I always use multiple credit cards because I don't want to exceed the 30% of the limit given, nangyayari I also earned points from different card konti nga lang. I was thinking I can get more advantage if I charge it to 1 card to maximize points. what's your thought about this?
Yes i agree just use your card wag lang over the limit. Use the card which has the best spend to point and if sino mag promo use that card mune hehe :)
Follower just now !!!
ty po
Such an underated Vlogger ❤
This is the vlogs we all need & must watch.
Screen time spent wisely 🫶🏻
awww thank you so much po!!
Very informative thanks😁😅☺️
welcome!
Hahhaa Sana all na notice😁 always watching your videos 😅🤣😁
@@anthonylawan8467 awww ty naman po!!
Very informative❤
Thanks sa video☺️✌️
welcome!! :)
Thanks Jax..your vlog is so helpful..🥰
Thank you for this, Jax! Keep sharing your tips!
Thanks Timothy!! ❤️❤️
Im a new subscriber, I love the way you explain and speak, I am also new to credit cards, I love to learn more about credit cards by watching your videos 🤗
awww yey! ty po!!
Marami akong natutunan. Salamat po.
Yey! Welcome!
The best! Congratulations!
Thanks Dennis!! ❤️❤️
Thank you for sharing cc practical tips. More subscriber❤
Aww ty!! 🥰🥰🥰
Thank you so much for the info! 💙💙💙
You are so welcome!
hi! May ask lang ako since beginner ako sa credit card hahah. if gagamitin ko sya to pay for phone, how many months ba sya mahati hati to pay for the dues? like within 12 months lang ba? for example, 50k yung phone. how many months yung paghati sa 50k para sa aking monthy billing? Good for 1 year ba yung pagbayad? diko knows eh hahaha sana masagot. thank youuuu
Thank you for this Jax!
Nakakatuwa talaga mga Credit Card videos mo. Thanks for this!
Thanks John Ray!! :) hehehe
First time to have a credit card. So this video is really informative. Thank you so much.
Aww you’re welcome!!!
Me first time q mag apply ng credit card, my credit limit is 762,000.00 ang laki kya pina decrease q
Kailangan pa po ba munang itawag sa customer service na gagamitin mo outside the country yung credit card para hindi ma decline kung bibili ng goods?
very helpful 😍
yey!!
Thank you... a great help..
Glad it helped!
New subscriber here. I Love your videos! They're so informative. Im planning to get a secured credit card first since Im a still a student and beginner pa. Im graduating soon so you know better to be knowledgable in adulting stuff 😂
Aww thank you!! Glad you're learning a lot!!
Yes!! But if you can get a credit card na try the credit card vs secured sayang ang points hehe :)
thank you po sa information i have learn a lot.
Welcome!!! :)
Subscribed. Can you make a content about cancellation of credit cards? Thanks and keep it up!
Ay nice idea sige i can make one based on my experience :)!
Thanks for the information, indeed it was really helpful.
yey! glad it was helpful!
Hello. Just have my first credit card po. Question lang po as I'm still scared to use my card, may pin ba yung CC pag ginamit? BPI Gold yung akin. Or swipe lang and no pin needed? Wala kasi akong natanggap when I activated my card. Read somewhere na di naman need ng pin unless cash advance yung gagawin. Thank you ❤
walang pin ang cc when using it. yung pin is only for cash advance when you withdraw cash sa mga ATMS
Hello po Sir Jax! Quick question po, na-approved po ako sa BPI. Is it okay to use all my credit limit like i-max out ko siya pero babayaran ko rin naman in full tuwing due date? Hindi po ba bababa ang credit score ko dito? Thank you sir!
Hello am using Bankard and I use it sa grocery pero hindi sya nag reflect sa latest purchase ko should I call the cs or just wait. Thank you super informative mga videos mo 🥰
Usually it takes 1-2 days no need to call. just wait lang hehe :) Basta nagamit mo siya sure na lalabas yan hehe
Thanks sa infos sir❤
salamat sa inputs sir about credit card.
welcome po!
Matic subscribed!
Thanks Justin!! ❤️❤️
Hello po I have a question. I applied for a credit card for a cerrain bank offered by people na naka station sa mall. Since they are a paid 3rd party to advertise cards in a mall they asked me to fill out a form and even offered that they will coordinate to several banks but said I'm only interested to have a credit card from 1 preferred bank. Despite that they still referred me to 2 more bank so I have received 2 mails with 1 credit card respectively. I don't plan to activate it. Will I still be charged for annual fee? If yes what should I do po?
Good day po. Sorry noob question lang. Ano pong details Yung laging tinitignan sa SOA kung ano Yung babayaran every cutoff? Thank you pp
Hi sir
Im first timer user ng credit card..last december ako ntanggap from bdo ng credit card gingamit ko siya ng jan..may cut is jan 21 my due date 28th..tanong ko po para hindi ako magbayad ng interest kailan po ako pwede magbayad..ok lang po magbayad kahit wala p ako soa sa bdo..thanks you sana po masagot..godbless
yes pwede naman amg bayad na walang soa pa
Paano po kung Hinde mo ginagamit may charges pa rin po, bakit sinisingil Ako sa text kahit Hinde naman nag swipe Ng card nakatago lang naman.
good day sir. ask lg ako. kasi meron ako bpi edge card and bpi reward card. kung titignan ko sa mobile app ni bpi. yung credit limit lg ng dalawa card is 16k only. ginamit ko dalawa card binabawas lg sa 16k only. akala ko kasi both 16k kasi dalawang card
One of my biggest regrets is not watching this video before I had a credit card 🤣
Ill be watching ur videos from now on since bdo sends me credit card without applying...
aw ty mark!
Hi Jax! Been learning a lot from you. I just had my first CC from RCBC and I’m just confused about the cut-off date and due date. What’s the difference po ba between the 2? Cut-off date is every 3rd of the month po and kaka activate ko lang ng card ko a few days aga pero yung due date ko on the 28th na po this month.
Due date important na by that date dapat fully paid ka na.
Cutoff is kung kalan lang day na charges na papasok sa bill mo
@@JaxReyes_ thanks a lot!! Your channel really is a go-to for people just starting out on CC use and financially literacy! More power to you 🤍
Ask ko Lang ang due ko is evry 11 of the month.. ngaun po ay 11 pwde ko nba sya gamitin? Hndi po ba sya magkaka interest?
Nagagamit po ba ang cc pambayad ng utility bills? If so, nakaka gain po ba ng thrill points pag ganun? Kung pwede po pambayad ang cc sa bills, ano po advantage nito kumpara sa debit card?
Yes may points yan.
Hi po question lang..newbie here..paano po gamitin in secure ung cc kapag ngbbyad sa mall or sa any merchants?need po ba itago talaga ang cc number at ung number sa likod?cencya n po bago lang po😉
No need naman itago pero if you want pwede naman itago with a sticker but make sure madali maremove ang sticker kasi if you need the number you need to refer to your card
dumb question po😂, kelan po malalaman yung due date after use ba ng credit card automatically ba makikita kung kelan ang due date?
pag dating ng SOA po
@@JaxReyes_ kelan po normally dumadating yung SOA, inaalok kase ako ng 2 kong bangko matagal na inaayawan ko palagi, kase wala akong alam sa credit card.
Everytime to use ur credit card may % interest naba agad kahit hindi mo pa due?
Thank u for this video din, very helpful.
wala. may interest pag di mo nabayaran :(
@@JaxReyes_
Thank you...thank you. 🤩
Newbie here 😊😊😊
welcome bebs!!
Very informative po. Tanong ko po, yung available limit ko is higher than credit limit due to overpayment sa credit card. ano po yung basehan sa pueding magastos po ang credit limit po ba or ang available limit? Maraming salamat.
Available limit yung basehan para mas updated vs credit limit kung ginamit mo na yung card
Hi Jax, new subs here., ano mangyayari pag malapit na magexpire credit card mo.
1. Meron bang fees and charges?
2. Rewards/points ay mawawala ba?
3. Kung naavail mo yong NAFFL promo nila, sa replacement card ay NAFFL parin siya.
Thank you.
Papalitan nila dapat yung card mo before expiry :) Hindi mawawala ang points dapat no fees as well
Hi po! New subscriber here. Napaka ganda po ng pag explain nyo. 😊
Mai tanong lang po ako, stated kasi sa paper na kasama ng cc card ko na every 7th of the month po yung statement date, kaka activate ko lang po apr20 nung cc ko. Dapat po ba mreceive ko na statement ko last May7? Or june7 pa po? Wala pa po kasi akong nreceive.
Hopefully po masagot. Thank you ☺️
Hi Jax! Started watching your vids. Sobrang helpful!
I just want to ask regarding sa credit limit and installment. I want to buy a new phone kasi through installment. 0% interest siya and I know I can pay the monthly fee in full. Problem is yung full amount ng phone is above sa credit limit ko. Can I still buy the phone? Or machacharge ako ng overlimit fee?
You cannot charge installment pag di ksya sa credit limit mo
@@JaxReyes_ thank you po!
If halimbawa sir yung due date is nov 15 2024 pero pwede po in advance payment para hindi makaabot sa due if first of the month ba? Yung lang tanong ko po
Pwede naman
just a question, if di kaya to pay in full amount and not recommendable to pay the minimum due. will total due be okay?
If you can pay the whole due amount at least pay minimum due
Thank you po..❤❤
Hi jax justwanna ask po. Kaka receive ko lang ng cc sa BDO. ahm.. Nakalagay kasi free for annual/membership fee for the first year of using.. Totoo po ba yun? So bale next year pa ako magbabayad ng monthly membership fee?
Hi its me again.naguguluhan kase ako
Statement date:every 21st of the month..
what is may due date..?
Kailan ang cutoff .?
Hi Jax! Is it okay to pay your purchases before your cut-off date or would it hurt your credit score? I pay it before cut-off date kasi may insurance fee sa every balance at gusto ko yun i avoid but I don't know if it's hurting my credit score . Thank you.
anong card yung may insurance fee? is this ub ba?
@@JaxReyes_ Yes po
Hello. Concern ko po kasi is d kopa rin narerecieve ang soa ko. Kahit sa email and app wala parin. Pero gusto kona pong bayaran agad ang outstanding balance. Pwede po bang bayaran na agad2x ang outstanding balance kahit wala pang soa?
Hello po, meaning po ba pag binayaran mo in full yung total amount due mo before the due date wala syang interest or finance charge?
yes correct po yan
Parang nakakatakot gumamit ng credit card. Pag di pa ba naactivate ay may babayaran pa rin na annual dues? May nabasa kc ako na pagnaprocess na yung card mo ay may annual dues ka na kung hindi man sa unang taon kundi sa succeeding years.
Hello po,. May tanong lang po ako sir.. noong 2021 po kasi May biglang nag deliver sa akin ng BPI credit card kahit hindi naman po ako nag aaply ,. Hindi ko po sya ginamit or inaactivate, kasi hindi ko naman alam about credit card, so ngayon May nag text sa akin na BPI na May babayaran daw po ako ,
Tanong ko , bakit May babayaran ako , hindi ko naman po ginamit credit card po nila ?
Sana mapansin mo po sir , naiistress na po ako sa bayarin na yan.