I know a lot of people are scared of credit cards, but I personally think everyone should have one because it's a super useful money tool! I got my first credit card almost two years ago and I think I've learned enough to make a video explaining how it works 💳 Hopefully this video levels up your finance brain powers and helps you guys understand credit cards better! I'll make more credit card videos pa so feel free to comment other questions you have 😄✨🍞 - How I got a Credit Card as a Student (2020) - ua-cam.com/video/wIw0PZywLns/v-deo.html - Get 1 month free trial of Skillshare: skl.sh/nicolealba03221 💳 Apply for Citibank Credit Cards - Rewards bit.ly/3upS68U - Simplicity+ bit.ly/3Gq9Ao7 - Cash Back bit.ly/3uxoGpk
This was me. But decided to get one after 5 yrs of working! But you need to be mindful in using it, dapat budgeted pa rin para hindi laging one time millionaire 😂
Hi Nicole, I just want to ask that which one is better to use BPI or PNB and on credit or debit. Since BPI and PNB are the only option for my salary to be received. This money will only be used to pay for my tuition. How much money should I spend, like I shouldn't spend everything that this card have for my tuition right? Is there a percentage limitation to spend? Does my question make sense lol
I got a pre-approved cc from BDO with a six digit limit last year. I was 21 then and still a student (til now). Bc of that, I learned how to use it responsibly. It actually made my finance system more organized and I became more disciplined, contrary to the preconceived notions. I always pay in full before the due date. Good thing also, I got the No Annual Fee For Life 💖 Kaya wag matakot sa cc, you can use it to your advantage!
@@review010 I really didn't apply for it. BDO just sent me one without my consent lol 🤣 But as a background, I usually have a consistent cashflow, around 12k per week (got it from SEO freelance work). I don't store my money sa BDO savings acc kasi ang baba ng interest hahaha pero maybe my cash flow was their basis kung bakit pinadalhan ako ng cc.
When I resigned from my previous work where we used BPI for payroll, I continued using my BPI debit card as a savings account. Around 2 years later, BPI offered me BPI Gold because of my stable and continuous transactions in my payroll/savings account. And that is me not owning any credit card before even a secured credit card.
Thank you for your tips Nicole. I love your videos. :) Because of your videos, I started using credit cards. After 2 years of using it, I decided to apply for a credit score report last February 2022. I got a score of 800 which is low risk. I feel more confident that I am on the right financial journey, especially with the banks and other lending institutions. Thank you for inspiring me with your videos. :)
1st comment from India❤️Although some of your videos on crypto cards and other finance doesn't apply for me, I'd still love to watch and feel your vibe, Nicole😇
Wooow amazing!! Sending you good vibes all the way there in India. Super glad that my videos have been helpful to you even though I'm Filipino. Thanks for the support Shanmuganathan 😄✨💙
@@NicoleAlbaYT I'm referred as "Shaan" by folks who are from other parts of the country - just in case if you felt my fullname is difficult to get used to, Nicole 😅😉
Great intro to cc video! I really hope that more Filipinos get knowledge on personal finance so that the stigma against credit cards would stop. Credit cards aren’t bad, only people are bad :) if the user isn’t responsible, then you’ll really get into debt. I have been using credit cards for a few years now, I have never paid for any fees and always got my annual fees waived. I even have a few credit cards that are tagged as “no annual fee for life” and have some points saved up for free roundtrip flights once more countries open up for travel. Looking forward to more credit card videos cos I’m always eager to learn. Thanks, Nicole.
@@NicoleAlbaYT I heard from people from other countries na may types of credit cards na walang annual fees, can u please make a video about that? Kc hindi raw lahat ng credit cards may annual fees.
Yay! Got my 1st credit card from Amex Platinum Cash back. Very useful po if you own CC but always remember to be mindful of your spending, still be responsible parin! Thank you sa tips po. Great video! ❤️❤️❤️
I've tried asking my parents about the difference between debit cards and credit cards but their explanation never sticks to me. This is the "explain it to me like I am 5" discussion that I need. 😂😂
Parents won't go into detail, a lot of parents i think don't know how to explain it with full clarity because they don't know how to explain them...A lot of people don't read lengthy terms of service after all so that's another factor to it 😅.
I'm actually paying attention in every word that you are saying u r so gwapo (cool) when you speak and I can literally like literally understand every word that comes out of your mouth. thanks for the tips!
ate!!! not content-related but thanks to you, I got conscious of my cash flow and I was able to open my personal savings account. started with 75 centavos for Gsave cos that was the only money I had on my Gcash back then. now, I have 3 savings accounts. more learnings from you and more power on your channel. ily
I grew up thinking that credit card is bad. My cousin got into a bad debt because of credit card that's why my family always warn me abt having one. Now that I'm earning, I started watching videos abt CC and discovered its not a bad thing as long as u are disciplined and responsible mangungutang. Got my first credit card last Dec and only use it pag kelangan tlga ☺️
My first credit card was offered by the bank since may savings account na ako sa kanila. From there, sunod sunod na yung approval ng cc application ko. From 1 credit card, now meron na akong 7 cards. And yes, I use them wisely.
YO! MISS NICOLE...SAY WHAT? I'M IN SHOCK...YOU HAVE SO MANY CARDS...I DON'T EVEN HAVE A DEBIT CARD. KEEP UP THE GOOD JOB, WE'RE ALL LEARNING FROM YOU AND YOUR RESEARCH...YOU HAVE SO MANY CARDS...I'M SLEEPY
I'm a college student from Taiwan I often use debit card shopping at mall or buy stuffs in supermarket It's convenience really surprised me And I just had a credit card 3 months ago, credit card is just like lending money without any fees for a month But it's not equal you can spend alot that you can't afford credit card's appearance is to spend money smart
Hi Nicole! I was denied on both BDO and BPI at pareho akong may Savings Acct with them at ang layo ko na rin sa minimum income requirement HAHAHAHA Oh well, I'm applying for PNB Ze-Lo now. Kaka-open ko lang din ng savings sa kanila, sana ma-approve. Anyways, can you create a video on how you waive your annual fees for each card that you own? That'd be very helpful as well. Thank you! :)
Hello Nicole, I got my citi rewards card last June 6, I opted to get the citi card because of its rewards but because of your topic regarding the reward-to-spend ratios i got confused. I have a hard time understanding it. Could you elaborate a little just so i would know which among the cards offers the best rewards. 😁 Thank you.
Appreciate the insights. I was about to apply for a credit card, but I realized the importance of refining my spending habits first. Gotta get that financial balance before diving in hahahaha. Continue your excellent work; your content proves incredibly beneficial. The insights you provide are truly valuable and make a significant impact on understanding various subjects. Your efforts are highly appreciated, and I look forward to more insightful content in the future. ❤❤❤
Thank you, thank you.I've been searching for a while now sa ganitong detailed video but wala akong mahanap.Finally, mas naintindihan ko na rin mga kaibahan nila.
The last time I watch your tutorial un ung time na nagsisimula ka palang sa SCC and ginawa ko din sya hehe and now madami na rin akong approve regular cc
Nice video, more power to your channel. I’m living here is South Korea and recently I was offered with credit card and that’s the very first credit card in my whole life. At first I was excited for points, cash back, discounts but as I made a research and ask those who own both debit and credit card here they almost usually say the same as what you say. And it makes me confuse, why would I want a credit card when I could actually afford what I want to purchase in the first place.
I like how you explain everything. Madami akong natutunan sa video na to. Glad napunta ako sa channel mo. Sa dinami dami ng pinanood ko. Ito lamg nakasagot sa tanong ko. Thank you so much. Keep it up!
Thank u so much for this video. Been waiting for these types of content. I'm like 23 years old with no knowledge about these cards😅🤣 This was really helpful
How do you pay for you credit card? Parang debit din ba? Mag dedeposit ka sa bank sa due date? Yung credit history po ba nagpapile lang kahit magupgrade ka ng credit card? May minimum spend ba sa credit card like kailangan mo sya gamitin every month at certain amount or pwede syang matiwangwang lang and walang mangyayari? How do you not pay for the annual fee? Credit card sounds so scary para sakin HAHAHAHAHAHA
Ang daming questions HAHA but that’s good!! Yes so madaming ways pwede bayaran ang cc bill. You can pay via bills payment tab sa bank app, sa physical branch ng bank, bayad centers, meron din sa GCash and other e-wallets. May bills payment for certain CC's din sa Shopee and Lazada! As for credit history meron tayong institutions like CIC at Transunion na nag-aassess ng credit records natin. Walang minimum required spend kahit hindi mo gamitin ang cc it’s fine. You won't get charged if you don't use ur CC haha, pero may annual fee pa rin per year. For waiving of the annual fee, sa mga lenient na banks u can call them ask to waive and they usually give u a minimum spend requirement na kailangan mong gawin. Tulad ng BDO Visa CC ko, pinaspend ako ng 3-5k yata within 1 month tapos ni-reverse nila yung annual fee. I’ll talk about this in my future videos! No need to get scared sa CC haha simple lang siya actually 😄✨💳
Thank you for this wonderful and very informative vid!! Looking forward to more CC vlogs~ I'm planning to get one in BPI pero hindi pa ako sure kung mag SCC ako o lalakasan ko yung loob ko mag apply sa regular CC hahaha 😆 Suggestion lang din, if u have time to create vlogs about installment house loan or any related stuffs, I would really be grateful. Thank youuuu
Go with BPI although medyo tumaas na yung holding amount nila from 10k before to 35k as of today already, bpi will never fail you if you used it as a reference if your planning to apply for regular credit card.
Thank you for sharing your knowledge about credit cards. I want to learn about debit cards naman po nakakuha na po kasi ako nang bdo savings account pero kunti lang nalalaman ko sa pros and cons natatakot ako sa mga annual fees nang debit cards 😅
Just want to thank you for your vids. These are quite helpful especially where you have to face growing up na. Sheesh. Keep posting videos like this. Looking forward for more
Hi Nicole! Did you apply for BPI Gold or did you secure a holdout amount? Also, was it a lot easier for you to apply for BPI once you got your other credit cards?
Hi Nicole! I just received my pre-approved cc from bdo. I was surprised but at the same time having second thoughts if i could be able to manage using it. Anyway thank you for sharing your knowledge and experience on using cc. Because of that, i am now excited to begin my cc life. Thank you and keep it up. 🌈👏🏻👏🏻👏🏻
I worked as a credit repair agent sa US my mga difference lang kasi sa US my credit score as a US citizen lahat meron nyan pag apak mo teenage years mo. But the basic rules para hindi ka mag ka derogatory marks is to pay them on time. I learned working in that company is CC is not bad. It will help you financially just pay them on time or early. Habit tlga. Yan bakit nag kakaroon ng negative items. Discipline tlga
Hi po, I have a question, I'm still confused about the minimum spending requirement. Let's say I purchased a phone and then decided to pay it in installments. I pay the bill every month on time, but I don't meet the minimum spending requirement. Will there be any consequences if I don't meet the min spend requirement monthly?
I've never gotten a credit card but since I'm turning 18, I will get my 1st credit card but the thing that I don't understand is how u pay ur money back. If u have money in ur bank account, the debt gets payed automatically or how does it work? I'm a little confused.
Bakit ngayon ko lang ‘to napanood? 😭 I’m one of those people who have negative perception about credit cards, that’s why I refused the offer of Metrobank to avail one with easy requirements/process.
Hi nicole! I recently received my CC from Bdo. I didnt know i sign a portion where they can evaluate and process a credit card application. Im not familiar with credit cards and not really interested thus i never applied but watching this and knowing the pros and cons made me glad that i have a card (which i have yet to activate) when you say you can WAIVE the annual fee how does that work pls? Cause i dont want paying that amount sna hehehe
13:11 begged to disagree I’ve been loyal customer of BPI and been rejected several times and worst part I’ve lost cash on my savings account and the bank seems like don’t like to pay for it or reimburse for it And I got my credit card with my 3rd (traditional/ physical) bank with UB after just a week or so applying my debit card with them I got approved
I would say I don’t know how I find you on UA-cam, but I know better. My husband and I have been in prayer so that we get our credit scores up and our credit record in great shape so that we can purchase our forever home. It was no one but God that led me to *Web backdoors🕳️org* . I thank God for this wisdom. Bless you.
Very informative. Thank you! I wish you would have explained more how annual fees work. Like, how to not to have to pay them. Hehe Awesome video nontheless!
Sobrang takot ako umutang or magka credit card. But my bank sent me one, siguro dahil na-detect nila na laging may laman or hindi nababawasan yung payroll account ko, it's up to me daw if I'll activate it and it's free annual membership for my first year of having it. Super takot ako but your video took away my fright. Thank you.
This is my first time to apply for a credit card. The agent offered me a Citi simplicity card. But since you mentioned about the rewards card (2nd tier), I would like to request for an upgrade. The application is still ongoing. How can I request to waive annual fees? Thanks!
i guess I'll stick to my CDC card. and you don't have to top up with crypto. you can just buy the currency of your card. i mean top up the fiat currency to your card. in my case it's SGD. thanks for the information.
After watching this very illuminating video, I have learned much about Credit Cards and also developed a crush on you. Thank you so much. I will now subscribe to your channel.
Hello may I ask how did you apply for Citibank credit card as a student? I have a credit card for a year already but I want to apply for Citibank Credit Card.
Hindi talaga ako familiar sa credit cards aside from secondhand knowledge mula sa friends ko na nagamit ng credit cards. This would be helpful for ideas bago ako kumuha. 😃
Yep! Madaming takot sa credit cards pero kailangan lang naman maging responsible para hindi mabaon sa utang. Hopefully nakatulong yung video sa iyo! 😄✨🍞
Hi Nicole, I just want to ask that which one is better to use BPI or PNB and on credit or debit. Since BPI and PNB are the only option for my salary to be received. This money will only be used to pay for my tuition. How much money should I spend, like I shouldn't spend everything that this card have for my tuition right? Is there a percentage limitation to spend? Does my question make sense lol
I know a lot of people are scared of credit cards, but I personally think everyone should have one because it's a super useful money tool! I got my first credit card almost two years ago and I think I've learned enough to make a video explaining how it works 💳
Hopefully this video levels up your finance brain powers and helps you guys understand credit cards better! I'll make more credit card videos pa so feel free to comment other questions you have 😄✨🍞
- How I got a Credit Card as a Student (2020) - ua-cam.com/video/wIw0PZywLns/v-deo.html
- Get 1 month free trial of Skillshare: skl.sh/nicolealba03221
💳 Apply for Citibank Credit Cards
- Rewards bit.ly/3upS68U
- Simplicity+ bit.ly/3Gq9Ao7
- Cash Back bit.ly/3uxoGpk
This was me. But decided to get one after 5 yrs of working! But you need to be mindful in using it, dapat budgeted pa rin para hindi laging one time millionaire 😂
@@bellebacol-aguilar1741 All credit cards are scams . If you don't know that , then go ahead and get scammed 👍
pls marry me :D You are increasing my finance IQ and making my life a lot better, literally used to make the worse financial decisions lol. Thanks!
Hi @Nicole ! Where do you typically see the details on the rewards and value of the card?
Hi Nicole, I just want to ask that which one is better to use BPI or PNB and on credit or debit. Since BPI and PNB are the only option for my salary to be received. This money will only be used to pay for my tuition. How much money should I spend, like I shouldn't spend everything that this card have for my tuition right? Is there a percentage limitation to spend? Does my question make sense lol
I got a pre-approved cc from BDO with a six digit limit last year. I was 21 then and still a student (til now). Bc of that, I learned how to use it responsibly. It actually made my finance system more organized and I became more disciplined, contrary to the preconceived notions. I always pay in full before the due date. Good thing also, I got the No Annual Fee For Life 💖 Kaya wag matakot sa cc, you can use it to your advantage!
Since may minimum base income requirement, ano po ba work nyu or things that you did to get appproved?
@@review010 I really didn't apply for it. BDO just sent me one without my consent lol 🤣 But as a background, I usually have a consistent cashflow, around 12k per week (got it from SEO freelance work). I don't store my money sa BDO savings acc kasi ang baba ng interest hahaha pero maybe my cash flow was their basis kung bakit pinadalhan ako ng cc.
How did you get the no annual fee?
*Hi, how did you get the NO ANNUAL FEE?*
How did you get the No Annual Fee For Life???
Great video. I got Platinum Master Card from Union Bank. My only advise when you have a Credit card is “Spend it wisely”
When I resigned from my previous work where we used BPI for payroll, I continued using my BPI debit card as a savings account. Around 2 years later, BPI offered me BPI Gold because of my stable and continuous transactions in my payroll/savings account. And that is me not owning any credit card before even a secured credit card.
Hi, did they call you or just sent you the card?
Thank you for your tips Nicole. I love your videos. :) Because of your videos, I started using credit cards. After 2 years of using it, I decided to apply for a credit score report last February 2022. I got a score of 800 which is low risk. I feel more confident that I am on the right financial journey, especially with the banks and other lending institutions. Thank you for inspiring me with your videos. :)
.Hi
1st comment from India❤️Although some of your videos on crypto cards and other finance doesn't apply for me, I'd still love to watch and feel your vibe, Nicole😇
Wooow amazing!! Sending you good vibes all the way there in India. Super glad that my videos have been helpful to you even though I'm Filipino. Thanks for the support Shanmuganathan 😄✨💙
@@NicoleAlbaYT I'm referred as "Shaan" by folks who are from other parts of the country - just in case if you felt my fullname is difficult to get used to, Nicole 😅😉
@@NicoleAlbaYT ate nagpagupit ka po ba? 😅 parang mas shorter po yung hair ninyo eh 😅
Great intro to cc video! I really hope that more Filipinos get knowledge on personal finance so that the stigma against credit cards would stop. Credit cards aren’t bad, only people are bad :) if the user isn’t responsible, then you’ll really get into debt. I have been using credit cards for a few years now, I have never paid for any fees and always got my annual fees waived. I even have a few credit cards that are tagged as “no annual fee for life” and have some points saved up for free roundtrip flights once more countries open up for travel. Looking forward to more credit card videos cos I’m always eager to learn. Thanks, Nicole.
Yep!! Haha credit cards are TOOOLS and ang saya ng rewards and promos 😆 Thanks Krystal 😁✨💳
@@NicoleAlbaYT I heard from people from other countries na may types of credit cards na walang annual fees, can u please make a video about that? Kc hindi raw lahat ng credit cards may annual fees.
Hi Nicole, I dont know if its just me but listening to you speak in english feels like listening to a full tagalog video. IDK you speak so good!!!
I used to fear credit cards because of the interest charges and annual fees. However, now, I feel more financially literate.
Yay! Got my 1st credit card from Amex Platinum Cash back. Very useful po if you own CC but always remember to be mindful of your spending, still be responsible parin! Thank you sa tips po. Great video! ❤️❤️❤️
I like this video a lot. It's like Finance 101 class. Keep it up Nicole!
I've tried asking my parents about the difference between debit cards and credit cards but their explanation never sticks to me. This is the "explain it to me like I am 5" discussion that I need. 😂😂
HAHA nice 😆
Parents won't go into detail, a lot of parents i think don't know how to explain it with full clarity because they don't know how to explain them...A lot of people don't read lengthy terms of service after all so that's another factor to it 😅.
I'm actually paying attention in every word that you are saying u r so gwapo (cool) when you speak and I can literally like literally understand every word that comes out of your mouth. thanks for the tips!
ate!!! not content-related but thanks to you, I got conscious of my cash flow and I was able to open my personal savings account. started with 75 centavos for Gsave cos that was the only money I had on my Gcash back then. now, I have 3 savings accounts. more learnings from you and more power on your channel. ily
So Helpful! Imagine this is a 1 year old video 😊 thanks!
I grew up thinking that credit card is bad. My cousin got into a bad debt because of credit card that's why my family always warn me abt having one. Now that I'm earning, I started watching videos abt CC and discovered its not a bad thing as long as u are disciplined and responsible mangungutang. Got my first credit card last Dec and only use it pag kelangan tlga ☺️
For profitable investment👆
Hi, pag di ginagamit yung cc , wala ka din naman babayaran?
@@HiJuliene Depends po. Some CC have annual fee that u need to pay , some doesn’t
My first credit card was offered by the bank since may savings account na ako sa kanila. From there, sunod sunod na yung approval ng cc application ko. From 1 credit card, now meron na akong 7 cards. And yes, I use them wisely.
Nicole, I got my first credit card last year because of you! Yey! 😁
EYY NICE ONE JEN!! 😄✨💳
YO! MISS NICOLE...SAY WHAT? I'M IN SHOCK...YOU HAVE SO MANY CARDS...I DON'T EVEN HAVE A DEBIT CARD. KEEP UP THE GOOD JOB, WE'RE ALL LEARNING FROM YOU AND YOUR RESEARCH...YOU HAVE SO MANY CARDS...I'M SLEEPY
im happy I see your yt since im so interested about money or financials, I love the way you explain it well. thank youuu♥️
I'm a college student from Taiwan
I often use debit card shopping at mall or buy stuffs in supermarket
It's convenience really surprised me
And I just had a credit card 3 months ago, credit card is just like lending money without any fees for a month
But it's not equal you can spend alot that you can't afford
credit card's appearance is to spend money smart
you got me at "adulting vibes" and "like a boss," I'm getting one
Your video is the BEST so far - among all the credit card 101 vids💕
Nice haha thank you!! Glad that it’s easy to understand 😄✨💙
Hi Nicole! I was denied on both BDO and BPI at pareho akong may Savings Acct with them at ang layo ko na rin sa minimum income requirement HAHAHAHA Oh well, I'm applying for PNB Ze-Lo now. Kaka-open ko lang din ng savings sa kanila, sana ma-approve. Anyways, can you create a video on how you waive your annual fees for each card that you own? That'd be very helpful as well. Thank you! :)
this is very helpful, i just received my first ever credit card from BPI
Hello Nicole, I got my citi rewards card last June 6, I opted to get the citi card because of its rewards but because of your topic regarding the reward-to-spend ratios i got confused. I have a hard time understanding it. Could you elaborate a little just so i would know which among the cards offers the best rewards. 😁 Thank you.
Appreciate the insights. I was about to apply for a credit card, but I realized the importance of refining my spending habits first. Gotta get that financial balance before diving in hahahaha. Continue your excellent work; your content proves incredibly beneficial. The insights you provide are truly valuable and make a significant impact on understanding various subjects. Your efforts are highly appreciated, and I look forward to more insightful content in the future. ❤❤❤
Love the smooth transition to the sponsor. HAHA. watched this video because im planning on getting one soon.
Thank you, thank you.I've been searching for a while now sa ganitong detailed video but wala akong mahanap.Finally, mas naintindihan ko na rin mga kaibahan nila.
.Hi
ANG GALING NUNG PASOK NG ADS HAHAHA! KEEP IT UP!
Thank you for this comprehensive video! Great help! 😊
The last time I watch your tutorial un ung time na nagsisimula ka palang sa SCC and ginawa ko din sya hehe and now madami na rin akong approve regular cc
Great video! Sana next video is all on how to improve credit score/rating.
Nice video, more power to your channel. I’m living here is South Korea and recently I was offered with credit card and that’s the very first credit card in my whole life. At first I was excited for points, cash back, discounts but as I made a research and ask those who own both debit and credit card here they almost usually say the same as what you say. And it makes me confuse, why would I want a credit card when I could actually afford what I want to purchase in the first place.
It is supposed to help you build your credit score.
Great video, learned a lot about the CC card from your vid, keep it up girl !!
I like how you explain everything. Madami akong natutunan sa video na to. Glad napunta ako sa channel mo. Sa dinami dami ng pinanood ko. Ito lamg nakasagot sa tanong ko. Thank you so much. Keep it up!
Thank u so much for this video. Been waiting for these types of content. I'm like 23 years old with no knowledge about these cards😅🤣 This was really helpful
Credit cards are indeed a game changer. I'll try one myself
Galing mag-explain, very clear and concise!
How do you pay your credit balance? from your savings account or an over the counter transaction with the bank?
"If you are paying interest fees, papaluin kita!"
I felt that... 🤣
You have incredible talent about credit cards, its fantastic idea thanks ma'am.
How do you pay for you credit card? Parang debit din ba? Mag dedeposit ka sa bank sa due date? Yung credit history po ba nagpapile lang kahit magupgrade ka ng credit card? May minimum spend ba sa credit card like kailangan mo sya gamitin every month at certain amount or pwede syang matiwangwang lang and walang mangyayari? How do you not pay for the annual fee? Credit card sounds so scary para sakin HAHAHAHAHAHA
Ang daming questions HAHA but that’s good!! Yes so madaming ways pwede bayaran ang cc bill. You can pay via bills payment tab sa bank app, sa physical branch ng bank, bayad centers, meron din sa GCash and other e-wallets. May bills payment for certain CC's din sa Shopee and Lazada!
As for credit history meron tayong institutions like CIC at Transunion na nag-aassess ng credit records natin.
Walang minimum required spend kahit hindi mo gamitin ang cc it’s fine. You won't get charged if you don't use ur CC haha, pero may annual fee pa rin per year.
For waiving of the annual fee, sa mga lenient na banks u can call them ask to waive and they usually give u a minimum spend requirement na kailangan mong gawin. Tulad ng BDO Visa CC ko, pinaspend ako ng 3-5k yata within 1 month tapos ni-reverse nila yung annual fee.
I’ll talk about this in my future videos! No need to get scared sa CC haha simple lang siya actually 😄✨💳
@@NicoleAlbaYT omg thank you so much!!!!! Glad we have you 😭😭😭😭 we'll stay tune sa future videos paaaa!!!!
Thank you for this wonderful and very informative vid!! Looking forward to more CC vlogs~ I'm planning to get one in BPI pero hindi pa ako sure kung mag SCC ako o lalakasan ko yung loob ko mag apply sa regular CC hahaha 😆 Suggestion lang din, if u have time to create vlogs about installment house loan or any related stuffs, I would really be grateful. Thank youuuu
My BPI is an SCC kasi nireject nila ako when I tried for a regular card haha. Try mo for a regular card muna baka swerte and they’ll approve! 😄💳
Go with BPI although medyo tumaas na yung holding amount nila from 10k before to 35k as of today already, bpi will never fail you if you used it as a reference if your planning to apply for regular credit card.
@@savage_0217 Omg 😧nakakahinayang naman. dapat pala nag avail na ako dati ng SCC na may holding amount na 10k. Anyway, thank you for this info.
Informative ❤️
Thank you for sharing your knowledge about credit cards. I want to learn about debit cards naman po nakakuha na po kasi ako nang bdo savings account pero kunti lang nalalaman ko sa pros and cons natatakot ako sa mga annual fees nang debit cards 😅
thanks for this video! very helpful and i learned a lot about credit cards
Just want to thank you for your vids. These are quite helpful especially where you have to face growing up na. Sheesh. Keep posting videos like this. Looking forward for more
exactly what I needed! thank you so muchhh, Nicole!
THE BEST INFORMATIONS ABOUT GETTING CC I HOPE MY NIECES WOULD HEAR THIS FROM YOU
Hi Nicole! Did you apply for BPI Gold or did you secure a holdout amount? Also, was it a lot easier for you to apply for BPI once you got your other credit cards?
Hi Nicole! I just received my pre-approved cc from bdo. I was surprised but at the same time having second thoughts if i could be able to manage using it. Anyway thank you for sharing your knowledge and experience on using cc. Because of that, i am now excited to begin my cc life. Thank you and keep it up. 🌈👏🏻👏🏻👏🏻
3:20 not always a case
Some times they just put it just to catch it’s more of an a business thing
Specially when Citibank migration to UB
I worked as a credit repair agent sa US my mga difference lang kasi sa US my credit score as a US citizen lahat meron nyan pag apak mo teenage years mo.
But the basic rules para hindi ka mag ka derogatory marks is to pay them on time.
I learned working in that company is CC is not bad. It will help you financially just pay them on time or early.
Habit tlga. Yan bakit nag kakaroon ng negative items. Discipline tlga
Hi po, I have a question, I'm still confused about the minimum spending requirement. Let's say I purchased a phone and then decided to pay it in installments. I pay the bill every month on time, but I don't meet the minimum spending requirement. Will there be any consequences if I don't meet the min spend requirement monthly?
Just a video that I needed. Been contemplating about getting a CC.
I've never gotten a credit card but since I'm turning 18, I will get my 1st credit card but the thing that I don't understand is how u pay ur money back. If u have money in ur bank account, the debt gets payed automatically or how does it work? I'm a little confused.
Finally, been waiting for this. 🥳
WOOHOO yez Rostum nandito naa HAHA 😄✨
Thanks for this great video. But I do have a question, is it good practice to use a credit card for monthly bills? 😁
Ate Nicole inspires me to do well. 😊
WOOOT! Yehes let’s all do our best every day 😄✨🍞
Can you also make a video choosing between prepaid or postpaid
this is so informative! thank you
Thank you for this life lesson. I'm learning with my parents & you 😁
For profitable investment👆
You are informative and fun!!! Nakakainspire tbh
Very detailed, direct, complete information. Good video!
KNEE COAL ALBUUHH !! CANT WAIT LEZGAW !!!!
Unique comment i like this HAHAH LEZGAW GEAZYYY 😤🍞
This type of content is soooo good for adulting 101 hahaha
Anyway, I miss watching your videos. Nilamon na ko ng acads kaya andito ko to relax hahaha
just what i needed, :D got my first CC yesterday and dont know what to do to it and how i can maximize it
thank you ate nicole! this has been a very informative video.
Nice. Very comprehensive review
She is so cute I had to subscribe, not only are the topics and content very informative, she's also witty and cute--I just can't. HAHAHA
Hi Nicole! Off topic but what mic are you using? Thanks!
Bakit ngayon ko lang ‘to napanood? 😭 I’m one of those people who have negative perception about credit cards, that’s why I refused the offer of Metrobank to avail one with easy requirements/process.
Hi nicole! I recently received my CC from
Bdo. I didnt know i sign a portion where they can evaluate and process a credit card application. Im not familiar with credit cards and not really interested thus i never applied but watching this and knowing the pros and cons made me glad that i have a card (which i have yet to activate) when you say you can WAIVE the annual fee how does that work pls? Cause i dont want paying that amount sna hehehe
(2) Is it BDO Amex? Did you activate it already and used it?
Same. I got mine lol. Haven't activated it yet.
Salamat kasi nawala takot ko na gamitin ang cc ko. Salamat sa enlightenment.
Hello po, paano po kapag 18 years old pa lang po? Saan po kami pwede mag open ng account?
13:11 begged to disagree I’ve been loyal customer of BPI and been rejected several times and worst part
I’ve lost cash on my savings account and the bank seems like don’t like to pay for it or reimburse for it
And I got my credit card with my 3rd (traditional/ physical) bank with UB after just a week or so applying my debit card with them
I got approved
Very entertaining to watch. Thanks for the info, Nicole!
I would say I don’t know how I find you on UA-cam, but I know better. My husband and I have been in prayer so that we get our credit scores up and our credit record in great shape so that we can purchase our forever home. It was no one but God that led me to *Web backdoors🕳️org* . I thank God for this wisdom. Bless you.
You can also need to look their name up to see their website
Very informative. Thank you!
I wish you would have explained more how annual fees work. Like, how to not to have to pay them. Hehe
Awesome video nontheless!
Thank you ❣️ and welcome back new upload ❤️❤️❤️❤️
Can you make a video about the rewards system you talked in the last part of the video, please? Thank you!
Sobrang takot ako umutang or magka credit card. But my bank sent me one, siguro dahil na-detect nila na laging may laman or hindi nababawasan yung payroll account ko, it's up to me daw if I'll activate it and it's free annual membership for my first year of having it. Super takot ako but your video took away my fright. Thank you.
Just what I am looking into right now. Thanks!
HAHAHA Ang cute nong “if you are pating interest fee, papaluin kita.” Wahahaha
Your haircut suits you! Thank you for another informative yet digestable content!
Yie haha thank you Precious!!! 😄✨💙
Thank you for your tips, Nicole!
Damn, I should've discovered you sooner! New subscriber here. I like how very informative and concise this is.
yess i need this! been planning to get it soon!
I hope you make more of this! This is so helpy
This is my first time to apply for a credit card. The agent offered me a Citi simplicity card. But since you mentioned about the rewards card (2nd tier), I would like to request for an upgrade. The application is still ongoing. How can I request to waive annual fees? Thanks!
Hi Nicole, thanks for this video! About RTS, so dapat be mababa ang percent mas okay?
i guess I'll stick to my CDC card. and you don't have to top up with crypto. you can just buy the currency of your card. i mean top up the fiat currency to your card. in my case it's SGD. thanks for the information.
After watching this very illuminating video, I have learned much about Credit Cards and also developed a crush on you. Thank you so much. I will now subscribe to your channel.
Wow new haircut Lodi! 🙌🙌
Thank you very much ate nics! Narinig ko na ang boses mo ulit hahaha careful na ulit ako mag check out sa shopee HAHAHA chariz! Stay safe po!
HAHAHA maririning mo nalang *YUWEL TRACK EVERY SINGLE PESOOOooOo~* jks 😆
MEEENNNNNN 75k Annuallll!! woooooohhhhh!!!
Thanks for the time you put creating this vid. Really appreciate.
For profitable investment👆
Hello may I ask how did you apply for Citibank credit card as a student? I have a credit card for a year already but I want to apply for Citibank Credit Card.
My first credit card was Premium Tier na pla. I didn't know until I watched ur video 😮
Hindi talaga ako familiar sa credit cards aside from secondhand knowledge mula sa friends ko na nagamit ng credit cards. This would be helpful for ideas bago ako kumuha. 😃
Yep! Madaming takot sa credit cards pero kailangan lang naman maging responsible para hindi mabaon sa utang. Hopefully nakatulong yung video sa iyo! 😄✨🍞
Hi Nicole, I just want to ask that which one is better to use BPI or PNB and on credit or debit. Since BPI and PNB are the only option for my salary to be received. This money will only be used to pay for my tuition. How much money should I spend, like I shouldn't spend everything that this card have for my tuition right? Is there a percentage limitation to spend? Does my question make sense lol
What happens if I don't use the credit card because there's nothing to use it for?