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- เผยแพร่เมื่อ 5 ส.ค. 2024
- Newcomers in Canada mostly have little knowledge as to how the credit card system works. It is very easy to get into financial trap but understanding the way it works will guide new credit card users in the right path.
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Disclaimer - All information shared in this video are from my personal experience, that of other people and what is currently available on CIC website. It is your responsibility to ensure that the details are still valid as at the date of use.
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You are a respectable, hardworking and loving person, and you inspired me and encouraged me to come to Canada 🇨🇦 😍
I hope you enjoy it here. Thank you!
Thank you so much for this video 🙏🏾 I’ve been searching for a video like this.
you are a wonderful person, i appreciate your effort
I love this video, thank you for sharing this information
Thanks so much for this detailed video
Thanks for this quite enlightening. Looking forward to joining you over there
This is the most well expained credit card video on TH-cam.. very clear.. now I finally understand the credit card process
Thanks to everyone that posted *@Darkearlsimmos* on *telegram* he get me cc with high balance is real you should go check him out
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Thankyou ...you explained so well.
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My pleasure 😊
Thanks
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Thanks dear, very informative pls tell us the process of opening a bank act as soon as one arrived Canada.
Okay I’d address that as well. Thank you!
WOW, such an underrated video!! Awesome Content!
Glad you liked it
Whaooh am a new subscriber. I really love your channel. You missed the utilisation percentage to improve your credit score. I heard it should be less than 30%.
I never knew this is gonna workout until I work with him *@Darkearlsimmons* on *telegram* he is the best
9% or less is considered an excellent utilization.
10% of credit score is from how many hard inquiries you do. So one a year or none is best and soft inquiries doesn't effect credit score.
Thanks for the information
Are their types of credit card
Yes, like MasterCard, Visa, American Express. There are also some with different kind of rewards but these varies from banks to banks
Hi so can a newcomer apply for a credit card? If yes, how will they be able to check your credibility?
If you come as a PR they just do it based on “trust”
what if your credit card gets misplaced or damaged will there be a charge for replacement?
Most times there isn’t but it could vary from different banks and credit card providers.
So if i am unable to finish using my credit limit, do i still have to pay for the amount i dint use plus the amout i used? Or what if i dint use the credit limit at all, do i have to pay back or carry over the credit limit to the next month?
No you dont carry over the limit, also you dont pay for unused amount.
I never knew this is gonna workout until I work with him *@Darkearlsimmons* on *telegram* he is the best
Pls Do international student have access to credit card.tnxs
I never knew this is gonna workout until I work with him *@Darkearlsimmons* on *telegram* he is the best
Hi sorry i still dnt understand this credit card!If i use this credit card to buy something do i use my account to refund the money back or????Also credit card and debit card are different right?i wunt lie to you am still a bit confused
No problem, I ould do a part 2. If you don't use the credit card you don;t have to pay. Yes debit and credit cards are different
A credit card is more like giving you a loan in advance like she said there are sometime you want to purchase something urgently but do not have funds at that moment in that instance you can use you credit card and pay within 30 days. Secondly the system is a credit system so issuing you a credit card is to see how reliable you are with funds however with a credit card you can use it to build your credit because most things you might need maybe like buying a house will require you to have a credit score and it has to be a good credit score.
There is really no biggie in the credit card once you have it trust me you would understand how it works and how to use it.
@Faith O thankyou so much i get it now
I never knew this is gonna workout until I work with him *@Darkearlsimmons* on *telegram* he is the best
Nice. However, at what point are credit card holders/users profiled with negative rating?
When they over utilize the card limit (more than 30% of limit) or miss payments
@@WhizQueen okay. Thank you
Please how can I contact you outside this general space?
Is it composery to have credit card???
Nop it’s not
Why are we already subscribed not beautifully welcomed? WHy only new viewers?
lmao everyone is beautifully welcomed
Why if you dont use any money in that what is the next
nothing happens.
Nothing happens but its necessary to use because of credit rating just like she said
@@Faith_O do you live in Canada too?
Blessing Ekene - Yes I do
@@Faith_O I want to come to Canada but I don't know how to go about it can you send me your whatsapp number
Hi,
Can I transfer funds from my credit card to Nigeria if I have a project back home.
Thanks.
At over 21% interest rate plus other associated card charges?
You can but not advisable the interest rate is ridiculous
im 12 why am i here?
Zech Wilsøn never too early to plan your future
I never knew this is gonna workout until I work with him *@Darkearlsimmons* on *telegram* he is the best