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!!
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.
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 😘❤️
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👏👏
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 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 🥰
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.
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 :)
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
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 🤗
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 ☺️
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
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!
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.
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 😂
so whenyou get your SOA diba may TOTAL statement account/due yun parang yung mga binili mo. so you have to pay that full amount para walang interest charges.
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?
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 ❤
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
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 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?
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.
I’m a first time cc citibank cardholder. How would you know if your payment to the bank for the has been received by the bank. I just paid po kasi and I can’t see it po sa app, wala din po silang text message unlike other banks. Hope you can help me. I’m worried kasi Idk if it has been received already.
ahh usually it takes mga 1-2 banking days for it to reflect sa credit card statement. makikita mo either sa app mo na may credit na pumasok amounting to the payment you made
Hi Jax I had my first secured cc from PNB , Then after 6mos this January 2023 Im surprised that I was approve from HSBC RED MC , I wanna know kung nakatulong yun pgnbayad ko ng straight payment nbuild ko naba agad un credit score ko .?
Is it best to pay your bill before the statement date? Or pwede mg leave khit 10% nlang ng total owed, before mgreflect sa statement? I heard na kung over 30% utilization ratio ang nagamit mo, magiging low ang credit score mo?
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
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?
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 🥰
every year po ba yung Carr limit is na reset?? for ex. 100k bnigay ni bdo na laman ng Cc ko, ibig sabihin po ba yun lng pwede ko gastusin sa Cc ko?? Tia po
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.
Ok lang po b n after ko gamitin un BPI credit card eh mag pay bill din po ako agad next day? Bale d ko n po hinhintay un SOA or magreflect sa outstanding balance. May nabasa po ksi ako n mas better un credit score pag once a month lng magbayad once may SOA n for the month. Based on experience nyo po ano po maadvice nyo? Thank you.
Hello hehe new credit card holder , balak ko sna bumili appliances. Tama b n sbhin ko straight payment? And bayarin ko in full para wla ako interest and charge n maoccur ? Tyia
Hii po, if pre-approved po ba ang CC, automatic na waived ang annual fee? Got my Amore Cashback kasi from BPI preapproved yon. Nagwowomder ako if after 1 year eh ichacharge na ako AF? Also po, what if di ka nakaswipe wherever, no purchase in a month, wala lang din yon? Hehe
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
Hello po, thank you sa very informative video. I have a question po, first time ko ginamit ang credit card ko and i exceeded the credit limit, as in nag negative po sya sa balance statement ko. Ano po ba consequences nito? Sana po ma sagot. Thanks.
@@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.
@@JaxReyes_ I see. Thank you. Btw, just discovered your channel and so far, I would say I have learned a lot already, especially cc matters. Thanks for sharing your knowledge! Looking forward to more content! ❤️
Hello po. Sir, dumating po yung rcbc flex visa cc ko po on Nov. 29 tapos inactivate ko na po. After that po, nag try po ako bayaran yung wifi po namin on that same day. Ang nakalagay sa papel po ng rcbc is every 3rd of the month po ang Billing cycle, pero sa Mobile app po is Nov. 29 po ang last statement date.
Newbie question lang, if I borrow, for example, 10k tapos yun lang yung nacredit sa akin on that month, then on my due date I pay the whole amount of what I borrowed, then walang interest na machacharge sa akin? :) TIA
May question lang po. Na activate kopo kase agad yung cc bdo. Khet po ba dko gamitin yun . May kelangan poba ko bayaran. Ntatakot po kase ako gamitin . Takot po ako sa utang. Hehe
Hi Jax! i love your videos very informative. I have a question, Hi i payed my credit card balance last feb 3, 2023 and it still not reflecting on my account, please advise.
Hi. I'm a new credit card user, and I find your videos very informative and understandable. I learned a lot. But I have one question, how can I see the details of my CC? I have a BDO ShopMore CC. What app can I download for me to see the details?
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
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?
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!!
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!!
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
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
The simplest explanation there can ever be. Grabe hinimay lahat. Thanks for all the useful info Jax 😊
awww thank you po! glad nakakatulong!
Another one! 😍😍😍 Just so you know Jax because of you I decided to apply for a credit card!
WOW!! Yey!! Katuwa naman!! :)
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!!
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!
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!!
Decided to subscribe here, super helpful nito even tho I’ve been using CC’s since 2018 👌🏼
Thanks E. C.!!!! ❤️ ❤️ ❤️ ❤️ ❤️
Thank you jax sa magandang information about credit cards .. im beginner kaya so thankful po ako sa inyo
glad nakakatulong po
Malaking tulong ito sa akin
1st time kong magkaroon ng credit card
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!! :)
Maraming salamat sa mahalgang inpormasyon sa pag handle ng credit cards.
welcome po!!
Napakalinaw❤️
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!! ❤️❤️❤️❤️❤️
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!
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!!
Salamat sa sa maraming Info..sa katulad kong newbie sa Cc..
I loved the way u explain 🤗❤️
Godbless😇❤️
Aww ty po
Thank you for this video. Beginner po ako sa pag gamit ng credit card. I find this video very helpful po.
Awww ty po
As always, very informative yung videos mo. Thank you Jax ❤
Aww thanks Charyl!!! ❤️❤️❤️❤️❤️ welcome!!
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 :)
Congratulations Jax! 💜 Another great video! ☺️
Aww thank you!! ❤️ ❤️ ❤️ ❤️ ❤️
Hi Jax thanks sa info,malaking tulong ito para sa aming new be sa CC worried ako malaki pala annual Fee
Thank you for this, Jax! Keep sharing your tips!
Thanks Timothy!! ❤️❤️
Wow Congrats Jax 👏👏 Yeehheeyyy Monetize na.. Keep it Up 😉
Salamat Itachi!! Hehe
galing mag paliwanag super na intindihan ko talaga...
thank you po!
Super helpful para sakin na new card holder
aww ty!
The best! Congratulations!
Thanks Dennis!! ❤️❤️
Thank you for this. Really looking for this info before getting a cc
Thanks. It’s very informative.. Sobrang natuto ako😊
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
Sana friend kita in real life, Jax! Full of learnings!
Thank you so much po..credit cards beginners here...
yey! welcome!
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!!!
First time to have a credit card. So this video is really informative. Thank you so much.
Aww you’re welcome!!!
thank you for explaining it very well.
Newbie here ❤
Nakakatuwa talaga mga Credit Card videos mo. Thanks for this!
Thanks John Ray!! :) hehehe
Very Informative🥰
Thank you 🥰
❤️❤️❤️
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!!
Lodi talaga kita!!! Keep it up!😊
Salamat naman Louie!! 😝😝😝
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!
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
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!
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 🤍
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?
Thank you for this Jax!
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 :)
Hi jax
can I ask some questions?
What do you mean by pay in full? and my cut of is every 5th of the month what does it mean sorry I'm new to this.
so whenyou get your SOA diba may TOTAL statement account/due yun parang yung mga binili mo. so you have to pay that full amount para walang interest charges.
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?
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
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
Very informative❤
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?
Marami akong natutunan. Salamat po.
Yey! 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 :)!
One of my biggest regrets is not watching this video before I had a credit card 🤣
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!
Such an underated Vlogger ❤
This is the vlogs we all need & must watch.
Screen time spent wisely 🫶🏻
awww thank you so much po!!
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
I’m a first time cc citibank cardholder. How would you know if your payment to the bank for the has been received by the bank. I just paid po kasi and I can’t see it po sa app, wala din po silang text message unlike other banks. Hope you can help me. I’m worried kasi Idk if it has been received already.
ahh usually it takes mga 1-2 banking days for it to reflect sa credit card statement. makikita mo either sa app mo na may credit na pumasok amounting to the payment you made
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
Hi Jax I had my first secured cc from PNB , Then after 6mos this January 2023 Im surprised that I was approve from HSBC RED MC , I wanna know kung nakatulong yun pgnbayad ko ng straight payment nbuild ko naba agad un credit score ko .?
its the constant on time payment usage din as well
@@JaxReyes_ Does it mean madali narin ako maapprove sa ibang bank?
Thank you for sharing cc practical tips. More subscriber❤
Aww ty!! 🥰🥰🥰
Is it best to pay your bill before the statement date? Or pwede mg leave khit 10% nlang ng total owed, before mgreflect sa statement? I heard na kung over 30% utilization ratio ang nagamit mo, magiging low ang credit score mo?
always pay in full! Rule of thumb yan kasi kahit mag iwan ka ng piso may mga charges na yan agad. So don't leave anything unpaid. hehe
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
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.
Thank you so much for the info! 💙💙💙
You are so welcome!
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
Good day po. Sorry noob question lang. Ano pong details Yung laging tinitignan sa SOA kung ano Yung babayaran every cutoff? Thank you pp
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?
Follower just now !!!
ty po
every year po ba yung Carr limit is na reset??
for ex. 100k bnigay ni bdo na laman ng Cc ko,
ibig sabihin po ba yun lng pwede ko gastusin sa Cc ko??
Tia po
credit limit is once you paid off it gets replienished.
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
Ok lang po b n after ko gamitin un BPI credit card eh mag pay bill din po ako agad next day? Bale d ko n po hinhintay un SOA or magreflect sa outstanding balance. May nabasa po ksi ako n mas better un credit score pag once a month lng magbayad once may SOA n for the month. Based on experience nyo po ano po maadvice nyo? Thank you.
Just make sure you do not go beyong the multiple payments limit. So yung mga cc companies may multiple payment fee. So yun lang ingatan mo.
Hello hehe new credit card holder , balak ko sna bumili appliances. Tama b n sbhin ko straight payment? And bayarin ko in full para wla ako interest and charge n maoccur ? Tyia
Hii po, if pre-approved po ba ang CC, automatic na waived ang annual fee? Got my Amore Cashback kasi from BPI preapproved yon. Nagwowomder ako if after 1 year eh ichacharge na ako AF? Also po, what if di ka nakaswipe wherever, no purchase in a month, wala lang din yon? Hehe
No po
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
Thanks for the information, indeed it was really helpful.
yey! glad it was helpful!
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 :(
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.
thank you po sa information i have learn a lot.
Welcome!!! :)
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
Hello po, thank you sa very informative video. I have a question po, first time ko ginamit ang credit card ko and i exceeded the credit limit, as in nag negative po sya sa balance statement ko. Ano po ba consequences nito? Sana po ma sagot. Thanks.
Some cards or banks do not charge over limit fee pero iwasan natin po yan next time
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.
Hi question , ung cash advance ba nakalagay sa card pwede ba yung gamitin kung sakali lumagpas sa limit?or for widrawal purpose lng sya tlga? thanks
hindi pwede its part of your limit and may fee yan!
Hi, I'm a first-time bdo cc holder. Just wondering, nagsesend na ba sila ng SOA on statement day or they send in the coming days?
Via email after cutoff siya :)
@@JaxReyes_ I see. Thank you. Btw, just discovered your channel and so far, I would say I have learned a lot already, especially cc matters. Thanks for sharing your knowledge! Looking forward to more content! ❤️
Hello po. Sir, dumating po yung rcbc flex visa cc ko po on Nov. 29 tapos inactivate ko na po. After that po, nag try po ako bayaran yung wifi po namin on that same day. Ang nakalagay sa papel po ng rcbc is every 3rd of the month po ang Billing cycle, pero sa Mobile app po is Nov. 29 po ang last statement date.
possible kasi di binibilang mga holiday and weekends
Hi! I just got my BPI golf mastercard, can i waive the annual fee for life?
Newbie question lang, if I borrow, for example, 10k tapos yun lang yung nacredit sa akin on that month, then on my due date I pay the whole amount of what I borrowed, then walang interest na machacharge sa akin? :) TIA
Paano ng borrow? Like you withdraw sa atm?
May question lang po. Na activate kopo kase agad yung cc bdo. Khet po ba dko gamitin yun . May kelangan poba ko bayaran. Ntatakot po kase ako gamitin . Takot po ako sa utang. Hehe
wala if you do not swipe wala dapat. UNLESS may annual fee yung card which gets charge yearly
Hi po! Ask ko lang po anong gamit nyong app for cards para kahit di nyo dala yung card nyo makikita nyo pa rin card number at exp date at cvv? Thanks!
i use onesafe ;)
@@JaxReyes_ Thank you!
Hi its me again.naguguluhan kase ako
Statement date:every 21st of the month..
what is may due date..?
Kailan ang cutoff .?
Hi Jax! i love your videos very informative. I have a question, Hi i payed my credit card balance last feb 3, 2023 and it still not reflecting on my account, please advise.
awww ty!! usually ilang days kasi yun bago mag reflect
Ask ko lang po, pag di po
ba nabayaran yung mga expenses within the due date makakapag swipe ka pa rin po ba? Thanks po.
yes pero may penalty and interest
Hi. I'm a new credit card user, and I find your videos very informative and understandable. I learned a lot. But I have one question, how can I see the details of my CC? I have a BDO ShopMore CC. What app can I download for me to see the details?
aww thank you! for that you need the BDO online app pa rin