Canadian Credit Cards (For Newcomers)
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- Опубліковано 7 вер 2024
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If you don’t have the money don’t buy it. Live within your means. This is the problem today. Credit cards should be for emergencies or if you are collecting points buy the shoes then go home and make the full payment for the shoes right away.
My opinion what if I’m trying to get an apartment ? I need first months rent and damage deposit plus furniture and shit like that. Would a credit card be okay then?
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But wait, you NEED a 'credit score' right? And for that you NEED to use your credit card, repay it, use it, repay it and so on in order to build your credit score. Am I correct?
If you just use your debit card or cash, you aren't really building anything. You need a 'credit score' for everything from increasing your credit card limit to getting loans to getting a phone contract.
I used my credit card to buy weed thanks this helped a lot.
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I just arrived in Canada and could not understand quite well the credit card system. Your video is very clear! Thank you!
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Amazing video. Provides information we can't find easily and....so easily and well explained. Thank you!!!
You're welcome! 😃
Thank you so much for explaining how it works! I'm 30 and I've never used credit cards, I just hate debt. But in Canada it's obligatory to have a credit history, so it's going to be very useful for me!
Wow! You're the best! I hate debt too! 😃😃
I'm one who loves a debit card..I have three.
just wanted to let you know this cleared up a lot about how credit cards work of which i had almost no previous knowledge about, thanks
I gotta be honest man at first I thought you were weird but your presence is comforting
Jesus that intro.
I think he's a demon of Greed doing a children's show
Thanks again! I would like to learn more about Canadian banking including vocabularies .
Okay! 😃
I love the way you spoke! Very easy for me to understand. I’m turning 18 soon and I know nothing about banks. Never had a debit card or a job because my parents are very poor and never taught me as they just use cash. I’m excited to start using a credit card 😂
How’s life going now😂
I used my credit card to buy things particularly when it involved a huge sum of money. It's rather strict to apply for a credit card in my country. It is only issued and approved by the banks. 😊😊
In India, i am using cc. I always pay total outstanding instead of minimum amount. I think it's the same system in Canada too.
I can’t explain how happy I am finding your channel, the card system is quit complicated for me since I haven’t used before in my country, we did pay everything with cash , I hope I could meet you one day .😊
Hats off to your way of explaining. Its so simple and informative. You added a new subscriber today!😁
I like video teacher veri easy l went to canada in June. I like l student ingles in miami Saturday end Sunday.❤🙏
😃😃
Awww that's a good question. When I first held on my credit card I was super excited because my limit amount used to be roughly 3000 usd and I had done a HUGE online shopping such as expensive bags, shoes, clothes and jewelries. However, when the credit card bills arose I was kind of " what is this?" Lol.. of course I've learned my lesson hence started used my credit card wisely.
Lol that's hilarious! 😄
Thank you for sharing your knowledge,now I can understand better how to work credit cards :)
😃😃
I would like to buy weekly grocery for my home 😂
That's great! 😃
Great video....but ' checking' isn't spelled as it is in Canada's banks.
In order to avoid interest, Do I need to pay the amount of statement balance or outstanding balance? Thank!
Statement balance. :)
But in germany it is not possible to pay everything by card. If you travel to germany, for bakery and ice cream you must have some change in your pocket.
You're right! 😃
Thanks for the info! The intro was a tad like selling cocain to kids, but the speaker actually did a great job explaining quite complicated stuff for new people in the country with not always perfect language skills. Kudos
Hey, Mark! I use my cards mostly for travelling and emergency. I pay my debts in due time, like you do, I don't want to get into a debt hole, do you? Here at home I pay cash for all the small things I need. For big payments I have a bank account and online banking account. Thank you for a very useful lesson! Take care!
Excellent lesson. You are sophisticated.
Some things you can't buy without a loan. Like a car or a house. For little things it's to dangerous. To much temptations. The place I live in we have got a better way to buy things with no interest. Like in a shop across the street. Everyone knows me there and if I buy something without the money they write the amount in the notebook. Once I get money I pay them off (cash or a debit card). No interest, no payment due. And most people in our town shop like this.
That's awesome! 😃
That amazing bro thank you for sharing.
Super teacher
Super teacher
Could you please clarify,for example if I have a credit card and I dont make any debts . Will that make any changes to my credit history or should I make some debts and pay it off on time just for increasing my points . Cuz in Canada I heard that you need to have a decent score so that it could help you in getting car loans, house mortgages , and other installments.
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With my credit card, I am going first to rent a car, and after I will go at Banff. There I will enjoy a good lunch on a nice restaurant.
Awesome! 😃
Thank you for making this video Teacher! :) I just applied for a credit card and I would like to know what credit card system is in Canada.
I am going to purchase first a tablet pc on my credit card! It would be more comfortable than my small phone is for watching your video. haha.
I wonder how about Saving account system in Canada. If you make a video about that I would appreciate! Thank you again :> Have a great day!
You're welcome! 😃Haha, yes a tablet will be better for watching my videos!
Okay, I'll try to make a video about that soon!
So if you were to purchase something that’s $1,000. And paid $178 each month till it’s paid off. You would of spent about $70 on interest. Would that be a bad thing?
Very helpful vedio. Thank you
Hi Mark! I'm astonished! Are you serious about the credit card interest in Canada? Only 19% a year? In Brazil It is, believe me, above 300% a year. If you don't pay off your bills every month you are absolutely insolvent in less than a year. Totally crazy, isn't It?
Wow! That's crazy!!
Hi Mark! Thank you for your excellent videos!
If I had Canadian credit card, I would buy a plane ticket, but I don't exactly know what country is better. Could you advise me what should I visit first Thailand or India? What would you recommend? What country do you like more? Thank you!
Hi! 😃
Honestly, both countries are amazing. India is definitely more challenging. Thailand is very easy for tourists!
I first used my credit card paying my Celpip exam 😀
Haha, that's great!
Thank you so much. I learned for you so money things.
I will use my credit card , to buy the regular items , to get points and get cash back at the end of years. That it. Thanks useful vedio .
Many thanks!
God bless you
God bless you too!
When I got my credit card I went to the gas station to fill in my car,but I can not remember my pin number,Its awkward!
Haha
Dear handsome teacher, you are a great expert in English language teaching. Can you tell me, when giving presentations, should I say "In the slide, or on the slide?" Should I say "in this page, or on this page"?
Thanks for the compliment!
You should say:
On this slide...
On this page...
Good info but which one is better to use checking or saving for buying goods and is there any d/ce in the rate b/n this? Tnx
Checking is the basic bank account that everyone uses to buy things. Only some people have savings accounts.
Seriously I'm addicting to your videos
Thank you! good explanation!
In Brazil the interest rate can go as high as 400%! Shocking
I would like to buy snow clothes first, in Canada.
Haha, that's great! 😃
Well done, very useful informations
My first buy would be a Winter Jacket 🧥
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Very important information!! Tks
I wanna buy a new Sofa
That's great!
Hello Sir,
Can i Ask you what is the best Credit Card for a newcomers like me in Canada?
Thank you🙏
Excellent perfect video
0:42 watching on January 15th unexpectedly 🤣
why American Express charges so low interest rate and no annual fee?
this is an awesome vid...so clear explanation!
best bank to take credit card , so that i get credit card approved to may my tutionj fees
excellent way of teaching. I want to ask if a person with refugee status in Canada can buy a credit card??? would it b helpful for him??
To be honest, I'm not sure! All residents in Canada can have a credit card, so I'm sure you can have one. Also, you don't "buy" credit cards. You qualify for them if you have income.
Thank you sir
You're welcome! 😃
Nicely explained
Hiya Mark. Can I get a credit card without any credit check or points as a new immigrants
If I want multiple credit cards, do I have to open bank account in their respective banks? Or I can get a specific credit card without opening an account in its respective bank?
You can also use a debit card to shop online and buy things right?
Thanks teacher.
If I may ask you, I'm a newcomer here in Canada, and I'm yet to take Debit or Credit card and I'm confused, so my question is : when is the time that I take Credit card, is it exactly the same time I'm taking the debit card or first first I have to take the debit card first and then after a while then the Credit card ? Please, when is the time I take the Credit card? The best time?
First you will get a debit card. You can use that for everything. If you want a credit card, you can apply for one. Or you could buy a pre-paid credit card.
Hi! Thank you very much for this video!
I usually use my credit card to pay for things like electricity, water, food, WiFi and telephone, car maintenance costs, the highway ... etc.
Take care of yourself!
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Which credit card is best for Canada?
Incidentally, I bought a pair of shoes my first Purchase on Credit card 😅 but not that much expensive, just cost me 40 Dollars!
hola teacher this video is very well I didn´t knew that information.... I like you style and I like when you say at the beginning of the video uuuuuuuuuuuh is funny....greetings
Haha, thanks! 😃😃
Here we have credit card ,only we can buy some thing here,it dont work any countery,i going to buy bag
Okay!
Actually I don’t understand credit card system at all. Using a debit card is easier.
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Hi,Mark,do you believe it? I don't have a credit card yet. A few years ago, many banks wanted me to apply for a credit card for free,but I refused. Because I'm afraid I'll forget to pay according to the stipulated date and need to pay high interest. I use cash or Alipay or wechat to pay for my shopping. In China, credit abuse has caused serious social problems. Some people use credit cards to go shopping crazily, and they can't pay for the credit card in time, resulting in huge penalty interest, which leads to more and more debts, and finally they commit suicide because they can't afford the debts.
Hello. Thanks for the video. It's very simple and educative. Please what is the meaning of cash advance rate?
It means you get charged more if you use your credit card to take out cash from an ATM.
Mark the reason you do not pay off interes for the use of the credit card it's because you have a good budget and never exceed it. Good job. The Credit card must be use to solve problems and some time buying things that can be usefull in your house.
😃😃
How can we use points to pay credit card.?
can i take 3000 dollars credit card as a newcomer in canada? i do not have bad or good credit score either
Thank you very much for this amazing video.
Can I
ask what is your own credit card and how much is its annual fee?
My credit card has no annual fee, but it's still good. Lots of credit cards have no annual fee. :)
Thanks a million for the reply. I'm gonna buy exactly the same credit card as yours. You are one of the best and greatest teachers I've ever seen.
Thanks so much! 😃
Probably gonna buy a vr headset and then use the rest to pay for bills cause ik i can pay those back quick enough
Hi, so if I have a cycle of statements say from Aug 18 - Sept 15 and my due date is Oct 6th with minimum payment of $17. Which one should I pay off to avoid interest. Is it the minimum or the statement balance on the 15 Sept?
A clarification of these would help thanks.
Which credit card do you use?
Thank you for the info. 😍👌
😃😃
Does my FICO credit score in the US count in Canada for credit history? or Should I start from scratch once I move to Ontario as a new immigrant?
How popular are debit cards in Canada?
I don't understand anything in the bank system, that's as integral in math for me :).
Haha
Chequing account in Canada.
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Thank you for your videos :)
May be grocery
I want to rent an apartment I need damage deposit and first months rent plus power/cable and some furniture
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For newcomer which bank credit card do you suggest sir?
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Thinku.brother.
So this is not the same for every company. If you don't pay the whole principle off you just pay the interest off. If you only pay some towards the principle you may get penalized. The credit card companies want you paying minimum interest payments not the whole amount. The other thing is pay attention to how much you spend because checking the company for your limit on how much you can spend is not helpful since that information is given by a computer. Companies know they have the upper hand so to them you are not important. My advice. avoid credit cards as much as possible!!!!
grocery. ..😂😂
I think probably I'm going to buy some clothes with my credit card.
Great!
Nothing. I don't take a loan and I try to not lend money to someone.
How i can have credit card in canada if i have a student visa.
i m international student here in Canada how i appky for credit card
Which one is good to pay car monthly insurance using visa card or debit ?
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I would buy an iPhone. I do not have iPhone yet.
And, please let me know if above sentences are right.
That's great!
* I do not have an iPhone yet.
I should have put an article. Thanks!
What about 1000 dollars dress?
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Hi please suggest me best credit card of scotia bank
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