Not sure if you’re aware but there are many credit report companies. Credit karma is fully free and doesn’t leave a footprint like the other two you mentioned. Just thought I’d mention 😉
Banks advice to not use 100% of credit card limit because it shows you are completely depended on credit and its risk for them. You can still use upto 70% .. 30% usage is completely wrong information. Please check before sharing something like this. Even if your credit card limit is 500 you can use upto 70% of that without any worry
Hi, love your content...can you please make a video on sharing how you guys applied for PR and IELTS prep and scores and how long did it take you to land to canada...I think it will be very helpful to all of us who wants to move to Canada
She ain’t faking the score tbh and isn’t exaggerating any numbers. . I reached at above 770 credit score in less than 6 months of moving to Canada and Its been over a year and I am still maintaining that till date. There are so many parameters on which you credit score is build upon. All you have to know is how to use your credit card wise enough. Peace ✌️
@@ankitasingh654 do you think we guys are fool??i know all the rules and regulations and never got rejected for any loans, fake numbers, stop supporting fake numbers and people
A banker told me that every-time you apply for a credit card, you lose points even if you were approved 👀 She said the only time it doesn’t affect credit score if you were pre- approved by the bank.. sigh
Can you please make a video of where you want to buy a house/condo? please I wanna know which areas you are interested in? Also, I am not an agent just genuinely curious.
i use 100% of my credit limit. my credit score never went down. theres not 30% usage limit anyway. idk wheres she got this info from but its completely false
Not sure if you’re aware but there are many credit report companies. Credit karma is fully free and doesn’t leave a footprint like the other two you mentioned. Just thought I’d mention 😉
Just a tip, The 30% just depends on your statement balance. You could still stay within that range by paying it off before the statement comes out. That's not the same as paying off on the due date.
Don't worry credit scores get updated every month just pay your credit card full each month dont carry any balance and every 3 months apply for a new credit card even if you don't use just get it it will increase your over all limit and after a while tell the banks to increase my limit be a desi tell them you are giving them a lot of business I did the same in 10 years me and my wife has a separate credit line of 400k each on just credit cards.
Hey Pooja, you can always max out your credit card usage but pay it all before the credit card company issues it’s monthly statement. If you sync your monthly payments to pay off your card just before the statement gets issued for the month, your usage will always be at 0% and you will have an even better credit score 🙂
Hey! That's what I thought and exactly did- but that's not the correct way of doing it..Banks also check your transactions, so be cautious about that. It doesn't matter if you pay off. the point is not to use more than 30% :)
@@Peekapoo This is a false information you can use whatever you want and pay it off that's what matters yes credit utilization matters but if you have ability to pay it off it wouldn't affect your score
Didn't someone also tell you - 1. Don't ever go yourself to the bank asking for a higher credit limit. 2. Never do a hard check on your account. Both the above would also reduce your credit score.
Hi Pooja, thanks so much for the videos you make. I did not know how the credit score was calculated. Thanks for sharing the knowledge!!! Love everything you and Saranch do.. Keep shinning!! Stay Blessed!! ❤️
Thanks so much for sharing this is very important interesting information I really appreciate it 👍peekapoo great vlog keep these wonderful vlogs coming 🤗🥰🤗
I really like the way you both encounter everything the first time and put out your experience here for the world to watch. It really feels nice to see this and gives an idea of how big the information GAP is. So Couple of things for everyone to note: 1. RBC is the most laid-back bank here in Canada. Even I have my account with them (for the $0 dollar account maintenance fee). - @Peekaboo, you guys can call them again and push them to increase your card limit and also offer you some credit line (any rate for, it will help in house purchase) and they will do it with a soft check (internal check) itself. 2. Based on my friends' experience, I found CIBC better since after 3 months of account opening they themselves and called and offered both (credit card limit increase and credit line) these financial instruments.
Heyy...pooja and Saransh....hope u're doin well....can u pls provide sm videos abt higher education in Canada ( if posb ) ..... Pls show am pics of ur elder sis baby❤️❤️
Dont just get any credit card...do some research before getting a credit card(which pay more points than others) as with my regular expenses I save up more than a lac worth of credit card points which i redeem for flights and hotels :D
Thank you so much for sharing detailed information, just got my first credit card today from CIBC, will look forward to open one more acc in RBC. I guess Walmart and Canadian Tire also offer credit cards for university and college students.
I thought you are supposed to use 30% of your total credit limit so I maxed out one of my card and kept balance on other card as 0 but boy I was wrong, it took a dip and now I am using both cards and spending less on credit cards
Pooja since you are on the lookout for a house follow.... Canada Couple Vlogs..they are very good and explain everything very well. At the same time they are very down to earth and state the facts clearly. It will be of great help to you I am sure.
This is crazy to me 😱... We as a family prefer to be debt free not have credit cards bills unless we are in a pinch.. 😬... Thank you for sharing your experience with us we are moving to Canada next year and it blows my mind that cheques are still a thing there..
thank you for the great information , just a question? can a new comer apply for two credit cards at the same time when he/she has arrived ? I mean the first weeks of our entrance when we do not have our PR card and job and ,,,
What is the kind of account have? Savings or Chechking. Please explain what is checking account? And for 2 credit cards is it by opening two bank accounts?
Not sure if you’re aware but there are many credit report companies. Credit karma is fully free and doesn’t leave a footprint like the other two you mentioned. Just thought I’d mention 😉
A good rule of thumb is the 30% debt to income ratio. That only 30% of your income goes towards expenses, credit card payments, car payments ect. The higher your debt to income.ratio is the less chance for getting a mortgage.
Why not just use debit cards for purchases? Managing multiple credit cards can be a pain sometimes. I know some types of accounts in a number of banks don't allow but a certain number of times to use debit cards monthly, but with some research, you can find a bank that doesn't take a fee (or take a little) and allows unlimited transactions.
Did you guys open an individual account or a joint account initially and how did yourl divide your savings. And also how did yourl carry cash to canada.wats the best way take cash.And thank you for the info.Please make more detailed and informative videos which could help new immigrants like you.
Omg was just not aware.... thanks for sharing it....ur water filter video was also imp...keep on sharing these things....even if small things its really helpful for person coming in from New country
Wish u would hv educated ur viewers abt the charges & interest and also how the billing cycle of a CC works .. That's when it would hv been a complete guide.. ❤️
hey pooja. this is just a pointer. 2000*30%=600. you have shown it as 700. I'm sorry to point this out. but someone might troll you for this. I'm just loving your videos and I just want to point it out. I know you are doing and amazing job and I just love these videos
Not sure if you’re aware but there are many credit report companies. Credit karma is fully free and doesn’t leave a footprint like the other two you mentioned. Just thought I’d mention 😉
None of them are accurate, search CBC marketplace credit score
Banks advice to not use 100% of credit card limit because it shows you are completely depended on credit and its risk for them. You can still use upto 70% .. 30% usage is completely wrong information. Please check before sharing something like this. Even if your credit card limit is 500 you can use upto 70% of that without any worry
Itni overactinggggg 🥲 ₹50 kaato koi please...
Hi, love your content...can you please make a video on sharing how you guys applied for PR and IELTS prep and scores and how long did it take you to land to canada...I think it will be very helpful to all of us who wants to move to Canada
This is the reason why I said ur real person #FavPooja❤️
She is a fake person
@@srikanthmudradi49 😂😂
Hi Peekaboo, thanks for your videos.
Small Correction....
30% on CAD 2000 is CAD 600.
Ignore
A year for u in Canada and your score was 770, unbelievable, I guess u r credit bureau fav, so they gaved u 770 score in a year, fake score
She ain’t faking the score tbh and isn’t exaggerating any numbers. . I reached at above 770 credit score in less than 6 months of moving to Canada and Its been over a year and I am still maintaining that till date. There are so many parameters on which you credit score is build upon. All you have to know is how to use your credit card wise enough.
Peace ✌️
@@ankitasingh654 do you think we guys are fool??i know all the rules and regulations and never got rejected for any loans, fake numbers, stop supporting fake numbers and people
You know what keep this attitude and never grow up. Thats one thing for you to do! Cheers
LMAO the starting with crying sound so funny
Ifkr cringe
A banker told me that every-time you apply for a credit card, you lose points even if you were approved 👀 She said the only time it doesn’t affect credit score if you were pre- approved by the bank.. sigh
Don't be telling your credit limit on camera. It's one of the things the bank asks as a security question.
Yes, I agree. Pretty crazy to reveal the name of the banks and credit limits. Asking for trouble!
Preparation is key..Don't Know in Brazil , but in Canada the score can be up to 900.... Not 850 .... Just saying ...
🤔🤔🤔
Can you please make a video of where you want to buy a house/condo? please I wanna know which areas you are interested in? Also, I am not an agent just genuinely curious.
I knew because I have family in Canada! But please keep posting informative videos like this, it's great to get insights.
i use 100% of my credit limit. my credit score never went down. theres not 30% usage limit anyway. idk wheres she got this info from but its completely false
Not sure if you’re aware but there are many credit report companies. Credit karma is fully free and doesn’t leave a footprint like the other two you mentioned. Just thought I’d mention 😉
Peekapoo... More catchy was your cute green 💚 background ❤️😂
Amazing content n would share it with friends living in Canada 😉
Just a tip, The 30% just depends on your statement balance. You could still stay within that range by paying it off before the statement comes out. That's not the same as paying off on the due date.
Congratz, if you have excellent above 800 what your benefit you have tq
Hi Pooja. I like you personal style. Why don't you do a video telling us about some fashion and lifestyle tips.
Hello Pooja ❤thanks so much for telling your experiences 😍
lol i use less than 30% (Actually use less than 5%) and i still have a sh1t 730 score. Alot of things can effect it like credit checks etc etc.
Don't worry credit scores get updated every month just pay your credit card full each month dont carry any balance and every 3 months apply for a new credit card even if you don't use just get it it will increase your over all limit and after a while tell the banks to increase my limit be a desi tell them you are giving them a lot of business I did the same in 10 years me and my wife has a separate credit line of 400k each on just credit cards.
Great video! Where did you get your plants? (I’m in Toronto as well)
30% of $2000 is $600 not $700. You guys are MBAs. Please get your maths correct.
Lololololol
30 percent of 2000 is?
Could you please make a video on PR system, what are points matters to get pr in canada
Hey Pooja, you can always max out your credit card usage but pay it all before the credit card company issues it’s monthly statement. If you sync your monthly payments to pay off your card just before the statement gets issued for the month, your usage will always be at 0% and you will have an even better credit score 🙂
Hey! That's what I thought and exactly did- but that's not the correct way of doing it..Banks also check your transactions, so be cautious about that. It doesn't matter if you pay off. the point is not to use more than 30% :)
If the $0 bill is being generated, it will not affect your credit history positively. It basically means that you didn’t utilise the balance.
@@Peekapoo This is a false information you can use whatever you want and pay it off that's what matters yes credit utilization matters but if you have ability to pay it off it wouldn't affect your score
Didn't someone also tell you -
1. Don't ever go yourself to the bank asking for a higher credit limit.
2. Never do a hard check on your account.
Both the above would also reduce your credit score.
Then who should go?
Hi Pooja, thanks so much for the videos you make. I did not know how the credit score was calculated. Thanks for sharing the knowledge!!! Love everything you and Saranch do.. Keep shinning!! Stay Blessed!! ❤️
Thanks so much for sharing this is very important interesting information I really appreciate it 👍peekapoo great vlog keep these wonderful vlogs coming 🤗🥰🤗
I love the plants around ...it makes a cozy nook in a small space ...
Also great and informative vlog ...thanks Poo.!
Sorry I still don't get it. :(
Love watching your videos @peekapoo
I really like the way you both encounter everything the first time and put out your experience here for the world to watch. It really feels nice to see this and gives an idea of how big the information GAP is.
So Couple of things for everyone to note:
1. RBC is the most laid-back bank here in Canada. Even I have my account with them (for the $0 dollar account maintenance fee). - @Peekaboo, you guys can call them again and push them to increase your card limit and also offer you some credit line (any rate for, it will help in house purchase) and they will do it with a soft check (internal check) itself.
2. Based on my friends' experience, I found CIBC better since after 3 months of account opening they themselves and called and offered both (credit card limit increase and credit line) these financial instruments.
Heyy...pooja and Saransh....hope u're doin well....can u pls provide sm videos abt higher education in Canada ( if posb ) .....
Pls show am pics of ur elder sis baby❤️❤️
Dont just get any credit card...do some research before getting a credit card(which pay more points than others) as with my regular expenses I save up more than a lac worth of credit card points which i redeem for flights and hotels :D
Isn’t it possible to use your checking debit account, pre-fill it and use it instead of the credit card?
You can but I have limited transactions on my debit card. You can always pay more to make it unlimited and use it!
Very interesting feedback thank you so much! I'm willing to come live in Canada in the future and your videos really helps ❤❤
Hey. Same here.
Wru from?
@@syed1228 Algeria and u?
@@Sara-sc1ts I'm from India. :)
Actually u dont need a credit card to build good credit. Thats a Myth.
That's alot of money!😮
Cool new background. Keeep improving. Btw I live only a few blocks away from your condo! :D
I dont even want to own a credit card !!
Thank you so much for sharing detailed information, just got my first credit card today from CIBC, will look forward to open one more acc in RBC. I guess Walmart and Canadian Tire also offer credit cards for university and college students.
Hi pooja...... Thanks for the information....
May I know from where did you bought the floor lamp of your living room
I thought you are supposed to use 30% of your total credit limit so I maxed out one of my card and kept balance on other card as 0 but boy I was wrong, it took a dip and now I am using both cards and spending less on credit cards
Profoundly helping!! Great stuff Pooja.
Also, the video has tremendously improved! Kudos.
This video was very helpful. Thank you for sharing your experience.
Love the video quality peeks!
Yeah, I wonder which camera is this ?
Pooja since you are on the lookout for a house follow.... Canada Couple Vlogs..they are very good and explain everything very well. At the same time they are very down to earth and state the facts clearly. It will be of great help to you I am sure.
This is crazy to me 😱... We as a family prefer to be debt free not have credit cards bills unless we are in a pinch.. 😬... Thank you for sharing your experience with us we are moving to Canada next year and it blows my mind that cheques are still a thing there..
Informative ❤️
What if I get 2 credit cards but I'm not spending money from the second card every month. Will it affect my credit score?
You can easily pay off the credit card as soon you reach 30% of credit limit
I thought the same but it’s not just about paying it off but you shouldn’t use more than 30 percent in a month :)
thank you for the great information , just a question? can a new comer apply for two credit cards at the same time when he/she has arrived ? I mean the first weeks of our entrance when we do not have our PR card and job and ,,,
What is the kind of account have? Savings or Chechking. Please explain what is checking account? And for 2 credit cards is it by opening two bank accounts?
Thank you!
Thank you.
I like it 👌🏻
We thinking about migrating...so this was helpful!
Bro this is something many other youtubers have shared and you could have seen it already anyway. Totally ur mistake that you didn't realise this.
This was very important information. Thanks for sharing these important titbits.
I swear to god not even my subject teachers could explain me credit score this well!!!! That's why she's just amazin!!!💕💕
Is this applicable even for international students? Because even they got pay all the bills right.
Please dont use these background funny voices, lol, they are bad. On the contrary, your video and audio quality has got a lot better now. Cheers
Not sure if you’re aware but there are many credit report companies. Credit karma is fully free and doesn’t leave a footprint like the other two you mentioned. Just thought I’d mention 😉
A good rule of thumb is the 30% debt to income ratio. That only 30% of your income goes towards expenses, credit card payments, car payments ect. The higher your debt to income.ratio is the less chance for getting a mortgage.
Why not just use debit cards for purchases? Managing multiple credit cards can be a pain sometimes. I know some types of accounts in a number of banks don't allow but a certain number of times to use debit cards monthly, but with some research, you can find a bank that doesn't take a fee (or take a little) and allows unlimited transactions.
I love every video of yours Pooja.. keep rising and shining.. and helping us 😛
What do you think..... We have to spend our life... Like this soo soo busy schedule in Canada Or this is the struggle just for some years?????
Did you guys open an individual account or a joint account initially and how did yourl divide your savings. And also how did yourl carry cash to canada.wats the best way take cash.And thank you for the info.Please make more detailed and informative videos which could help new immigrants like you.
@peekapoo what is your camera setup?
Hey Pooja, love to see such informative videos. Can you make a video on the AMEX card saransh has and the benefits it offers. Thanks 😁
You make it really easy to understand.
Appreciated
All depends on the earnings.
This is the same everywhere
30% of 2000 is 600 lol maybe that's why you struggled with your credit score 🤣🤣
👍👍👍🇨🇦
A hard check can also decrease the score so please be careful.
Informative video!
very informative! thank you for sharing tips 👌🏻♥️
Always love to know ur experience as new immigrants in Canada 🇨🇦♥️ keep sharing😇
nice video! also do some intermediate credit card payments before the bill comes, this is another way of uplifting credit score :)
Omg was just not aware.... thanks for sharing it....ur water filter video was also imp...keep on sharing these things....even if small things its really helpful for person coming in from New country
😄you are unpredictable... posted previous vlog with 0 content.. came up with 100% useful content in this video 👍 quality of your video is amazing!!!
Can u plz tell me ur dye colour.is it ash blonde.
Gosh! Simple things we tend to miss. Thanks a bundle 🥰
Wish u would hv educated ur viewers abt the charges & interest and also how the billing cycle of a CC works .. That's when it would hv been a complete guide.. ❤️
Thanks. That’s some useful info
Try using credit cards and only upto 30% to 35% of total limit and never miss a payment else score goes down immediately
Your narration was so good regarding the issue and it is damn helpful❤️
Ive lived almost all my life in canada and even i didnt know abt the 30% rule...good stuff eh thanks
Really? I'm glad this was helpful. :) Even I learnt this after a year..
P.S: 30% of 2000 is 600 not 700 😂 and so that would come to 1200 not 1400 for the previous calculation 😂😂😂
Yup, my bad :( Realized it later..
Thank you madam for informing us.
Thanks for sharing 💖
Hey Pooja, very relevant topic and you explained it quite well too. Thanks for sharing !
You are so cute ❤️. Very genuine and hard working . I love your videos
Love these informative videos for sure ❤️🔥
I watch all your videos and like the way you make and edit them.. Keep it up 👍
hey pooja. this is just a pointer. 2000*30%=600. you have shown it as 700. I'm sorry to point this out. but someone might troll you for this. I'm just loving your videos and I just want to point it out. I know you are doing and amazing job and I just love these videos
Damn! Thanks for pointing it out, my bad 🤦♀️
I will put a note in the video tomorrow! Thank you so much 😊
Very helpful!🙂
Very insightful. Thank you.
30% of 2000 is 600. Please do not make the same mistake again.
Oh yesss! I like your picture btw
@@dikshagupta2906 Thankss, I like yours!
This reminds me I need to upload a new one, it’s been forever 😂
@@dikshagupta2906 Ohh good idea!