What will Happen if you Don't Use your Credit Card
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- เผยแพร่เมื่อ 19 พ.ค. 2021
- What will happen if you don't use your credit card?
A question was asked here on TH-cam last week if a credit card must be used every month, and what will happen if not.
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sayang naman yung points kung di mo gagagmitin. use it like you use your cash. spend using your credit card based on your budget. 😊
Nice,, direct to the point
Supahh clear explanation! Thank you so much 🎉!!!!!!!!!!
thank you so much po
Ayun, thank you sir. We will activate nalang po ung card and maybe use it for grocery para di kami lugi sa annual fee. BDO Gold card po nakuha namin ni partner. We received the card without requesting from the bank, maybe because we have an existing savings account with BDO. 👍👍
yup ok din yun. lalo na if pwede nyo din mapa waive annual fee. pwede naman ata yan :)
Hi Po,ask lng po I have bdo Po..ngkuha 2018..Isang beses ko lng Po sa nahulagan.then ngstop Po ako year after my sulat ba dumating sa akin sa place ko Po sa pinas .na naclose Po sya so d ko Muna sya mahulogan ulit.anu Po dapat Gawin pra maopen ko ulit at maactivate sya ulit.thank you po
So happy with AUB no annual fees ...❤🎉
Hi! I have an SB Platinum card for 3 months already as my first cc, just like to ask, if ever only around 20% of the CL is usually used, will it lead to a bad credit standing/score?
Hindi naman po :)
I am very gratefull and thankful na sinagot mo tanong ko po.l
thank you din sa question bos. posted it kasi baka need din ng iba :)
Sa pilipinas kaya, pag di mo nagagamit yung credit card mo for 2 years, kino close ba yan bangko? sa US kasi, pag 2 or 3 years hindi mo ginagamit yung CC mo, ikoko close na ng bank yung CC, plus affected pa credit score mo dun.
Very informative.Thanks po
Welcome 😊
paano po malalaman kung no annual fee yung credit card? salamat po
Sir pag po ba nag bayad ng bill thru gcash on the day of Due date. 3 days po kasi bago pumasok. delay po ba payment pag ganun sir?
Hi wanna ask, first time user cc. ask ko po paano ko malalaman ang payment mode ko. May dadating po bang soa sa akin or eemail nila?
Sir ask ko po pano kung ndi ko agad na activate ng matagal n panahon ung eastwest cc ko? What will happen po?
Ano po qng magiging due date kapag ang statement date is every 11th of the month? And example nagamit un card ng October 19, bale ano na magiging due date nun? Thanks sa pagsagot
What if po sir hindi tlga ginamit ang credit card after maactivate?
Ask lng aftera activate ng credit card at never nagamit ng more than a year madiactivate ba? at ano yung unionpay?
Question lang po. New cc user, San ko po pwede makuha customer no ko? Gagawa kasi ako online accnt
Sir first time pa po nakatanggap ng credit card. Paano mag cash advance
Paano Po mag pa cut ng credit card?
Sir pwede good day. Pwede po ba mag apply ng citibank loan na walang ITR? Bank statement lng po meron ako.
balikan ko dito kasi nadaanan ko ulit. Im using CC and fun po.
Btw love ko itong channel i rrally love it. ganda ng bosses and very helpful info
wow salamat po
Ano po ba threshold ng bpi gold?
Sir san ba makikita if when cut off date sa credit card may cc kase asawa ko di ko alam if when cut off date 😅
What if I decided not to Activate my Credit Card, will I still pay the annual fee?
up
Up
up
Paano po makuha kung mag cash advance sa bdo credit card
May annual fee po ba if di ko inactivate ang credit card na inapplyan ko thanks po
Mas okay di gmitin hahahha ksi if lesser utilization rate mas mtaas credit score mo
while this is true, pag matagal mo nang hindi ginamet ang card mo, may downsides yan, 1. you will pay annual fee for nothing, 2. if sobrang tagal ng hindi ginamet pwede ma cancel ang card mo and that will really affect your credit score negatively
Sir good day po
Nag request po kasi ako ng cash advance pin for bdo pay account sana, If ever po hindi ko kukunin yung cash okay lang po ba yon?
What if po, never inactivate nor ginamit? There are banks po na bigla lang nagbibigay ng credit card kasi qualified ka.
Wag mo bayaran if nag notify sila. Request mo nalang iterminate.
@@boyybakalhello sir. ask ko lang po if pwede sa mga branch ng bdo sa aming lugar lalapit para magparequest na iterminate yung credit card? same kasi kami ng situation ni Sir Neil.
Hello sir regarding po on creditcard dalawa kasi pina dala sakin yung no annual fee and my annual fee. Pro yung gina gamit ko po is Yung no annual fee, tanong ko lang sir kahit ba di ko pa na activate yung my annual fee my charge parin yung sinasabi nila na 2k annual fee every year even though na di namn na activate. Thank you
Iba iba po sir. To be safe kung dnyo po gagamitin pa close nyo napo. Sorry ngayon lng :)
Hi! Nag open po akong all access account sa security bank and they offered me a credit card. Tanong lang po, pag po ba pina-close ko ang credit card, ma wiwithdraw ko na po yung maintaining balance na 25k?
secured credit card? yes po
Sir. Paano kung nag resigned na sa work ? Magagamit kopa po kaya yung credit card na galing sa kanila ?
yes
Hi sir if kaka recieve lang ng citibank CC tas need mag spend ng 20k in 60 days to waive the annual fee tas ang credit limit lang ay 25k hindi ba sagad yun?
wala naman kaso. pasok pa din naman yan since 2 months naman yung spending period na hinihingi nila sayo. pero if I were you gawin mo reference card yan to apply for other credit card. medyo maliit na kasi yang 25K limit. unless may iba ka pa na card.
Nagbabyad ako amount ng 150 hndi ko nmn ginagamit
Kaboses mo si snow badua.
Thank u Sir..sana po mabasa nyo po commeny ko..God bless po
yup
Hi sir ask po what if activated m. Yung cc pero d mo pa nagagamit possiblr po ba na e deactivate without fees?
yup ipa cancel pwede bsta wlang transaction
Question, new cc holder eh, lets say ginamit mo sya pang grocery, tas binayadin mo din agad on or before due date, mag e earn p dn ba sya ng interest kada gamit mo?
No if u pay fully before the due date no intert and u can pay by lowet limit there is an option for that, if u pay byt that then there is a intersst ranging feom 1.25% to 3.9% ranging from babk😊
hindi, kasi una binayaran mo sia in full and before the due date. Pero, keep in mind yung cutoff date ng credit card mo. Importante yan.
nakatanggap po ako credit card.kaso po andto po ako sa ibang bansa anak kopo ang nagrecieve ..pero pano kaya yun e activate iba nawala napo ung number na gamit ko before
pwede nyo po itwag yun sa bank
hi po.. am a beginner.. is it required na mag deposit muna sa credit card before swiping?
deposit sa credit card? u cant do that. its only for debit cards. as long as hndi mo pa narreach credit limit mo u can swipe/use it
Paano po ako mag bayad sa credit card? Bdo
Sir paano po kung yung credit card ay hindi pa talaga nagagamit? Like hindi pa inactivate yung cc? Hindi naman po masisingil ng annual po yan?
iba iba kasi ang experience ng mga tao jan. for me to be safe ka, kung dmo nmn tlga gagmitin pa close mo nalang :)
masisingil ka pa din ng annual fee, kasi nasa terms and conditions ng credit card na inaaplyan mo. regardless na ginamit or hindi mo ginamit yung CC. Close mo nalang yung CC mo pag malapit ka nang isingil ng annual fee.
BDO credit card. E.x Gold card.. Magkano po kaya ang anual fees?
diko lang kabisado. nasa webiste nila yan
question po. Kung ako ay gumagamit ng secured credit card. kelan po ba ko pwede mag apply ng totoong credit card. 6 months po ba ok na o mas maganda kung after a year pa
tanong mo sa bangko mo na may secured card ka kung kelan ang graduation date ng secured card mo. Depende pa din sa bank mo kung magaling ka magbayad at sisilipin din ng bangko mo ang credit standing mo. Inonotify ka din nila kung puwede ka na sa unsecured card or yung totoong credit card na.
hai sir meron pong dumating sakin na credit card kahit di naman ako nag apply at hindi ko nmn po ito kelangan.. anu po dapat ko gawin .. magbabayad pa rin po ba ako nang annual fee kahit di ko nmn ginamit kahit isang beses?
tawag mo nlng sa bank to close it
Hi sir pwede po mag ask kce po may bpi debit card po ko di ko po alam pano po ko magsasign up sa new bpi app patulong nmn po sna po mapansin
pwede yan sa customer care ilapit
May binigay samin credit card si PNb without requesting.😅
Ayaw sana nmin kaso mapilit. Try lng daa nmin khit 200. Nahiya na kmi ksi tuwing kukuha kmi ng pera kilala na kmi at lagi binabanggit na i activate namin. So ayun,activated na. TANONG KO LANG MAY PIN BA DPAT YUN? WALA KSI KAMI NATANGGAP
tawag po kayo sa PNB para i-activate yung card nio. yung PIN po is for cash advance. usually upon request nalang galing sa customer yung PIN. Saka may instruction kasama sa credit card on how to activate the card.
Sir Pano kung Di ko sa activate may babayadan ba ko di ko kc kaylangan
kung hindi nyo po kaylangan, better to call your bank and close the account po. kasi minsan may mga tao na nag sasabe na na chargan sila ng annual fee. meron naman hindi daw. to be sure, mas ok na ipaclose
Anong card poh ba, yong maganda, na makakapag earn ka ng points?
you can check this po th-cam.com/video/ppesIxy3XxQ/w-d-xo.html
Usually magkano yung annual fee?
depende po sa card. pero nag range yan sa 1-3k if normal cards. minsan mas mataas ang tier ng card umaabot ng 3-4k
Maganda po ba mag cash advance sa cc at may interest po ba?
check nyo po ito th-cam.com/video/Xm06pWJHR2Q/w-d-xo.html
Anong wave po ba yun? Diko gets 😅
waive means maalis
paano po ba mag activate ? gamitin ko nalang po may dumating saken na credit card napili daw ako
call CS lang po
Hi sir, I have a question po, kase I am a freelancer, and aside from freelancing I have a corporate job po, and the atm I am using for my weekly payments po is my corporate’s atm. May I ask po, can I apply for a credit card using the corporate’s ATM? Kase medyo malaki laki narin po ang naipasok ko don pero ung sahod ko po sa corporate ko is not sufficient to apply for credit card. Please enlighten me
Hello. Yung saakin ganyan ginawa ko. Pwede naman iapply yung pang payroll ng atm mo
@@ginacole5993 thank you! Will do
hi what do you mean nag magaapply ka ng credit card using your ATM?
@@NoyFinanceVlog um diba po mas malaki po chance na maaaprove if may existing na na atm card, and if may laman, or nalalamanan ng more than 50k per month. Okay lang po ba if ung atm na yun ay under sa isang company rather than my own opened account
@@NoyFinanceVlog actually na answeran na po nung @ginanicole5993 ung tanong ko hehe
Sir magkno po ung annual fee
ng?
Magkano po ba ang annual fee if 500,000
depende po yun sa card. not sa credit limit
Magkano annual fee ng mga credit card
depende po sa credit card
Sir first timer here s credit card..pano po .ag encash sa atm...wala p po akong pin?
cash advance? for credit card po usually after 6mos pa pwede mag cash advance
request po kayo ng PIN sa bank nio. puwede over the counter withdrawal. keep in mind na may cash advance fee per withdrawal tapos may patong din na interest.
Magkano po ba ang annual fee?
depende sa card
Paano po mareach yung threshold?
threshold ng?
Threshold ng bank or credit card?
Sir tanong lang po may dumating na credit card xa skin dalawa n pero Hindi ko po inactivate magbayad PB ako kahit Hindi ko po inactivate?please help my question?
you mean yung purchase limit ng credit card mo? ask mo bank mo kung magkano purchase limit mo. Makikita mo din yan sa bank statement mo.
Bat ka mag a bayad NG annual du MU nga Gina gamit nah
Kasi bukas ang account kahit dimo ginagamit
E sir. Nd naman utang Yung annual fee. Parang di ka rin obligado mag bayad plus na sa record namn siguro na parang di na actives a pag gamit siguro ilang months a walang movement mawawala din.. Nang yari sa Isang card ko bat Nila interesan e annual fee d naman utang.. Nawala di at ang card parang idle na ang parang bank na rin nag suspende..
ang annual fee kasi is the fee to maintain the card kung baga as long as open ang account, imementain nila yan kahit hindi sya ginagamit. the only way para matigil yun is ipa close.
and since valid charge ang annual fee, mag kaka interest tlga sya pag hndi sya nabayaran. just like any other fees sa card pag di nabayraan mag iinterest tlga sya.
hindi mo kasi mapapa close ang credit card account mo if may balanse kahit magkano,
@@NoyFinanceVlog wala napo akong balance they sent me about the fees and just ignored Kung wala naman akong balance account after 4 months may card was suspended and they stop sending me a notice and I called them the card was already suspended..
ahhh ok na pala yung sayo. akala ko may gusto kang icontest na charge sayo ng banko
Sir, ask ko lang po! Kapag po ba magpapasok ng pera sa mismong bank okay lang po ba may sticker yung card?
magpapasok ng pera you mean mag dedeposito?
opooo deposit po
Why yall speak half english
Because we’re bilingual 😅
@@lft3636 then why are the titles always in english? i click on the videos and i don't understand anything
Paano po sir mapa waived ang isang annual fee lalo na po kung good payer?
itatawag mo yun sa bangko, tapos bibigyan ka nila ng options para maiwaive yung annual fee. for example need mo mag spend ng 20K in 2 months. ganun
Good day ask ko lng po di ko p po na aactivate yung card ko last april 29, 2022 ko lng po sya narcv .. ok lng po b i pa cancel nlng yun? Salamat po s sagot
ok lang naman po
Salamat po.. mag ccharge n po kaya agad yun? Metrobank po ccard ko yung cashback
mag chcharge ang ?
My question. Is pano e deactivate ang credit card ko. Kc nagbabyad ako P75/month ng wala naman pakinabang
@@winceslaocuenca3065 home credit yarn hahaha
hello po..ung credit card q po kasi may nag attempt na gamitin online..may txt po kasi sakin ung bank..ngayon po bnlock q ung credit card q sa apps..kaso 2 months na po may bill aq na 149 na naka subscribe daw aq sa prime video..nung chinek q apps q wala man aqng subscription sa kahit ano..ano po keang magandang gawin?
kung na block na ang card ok yun na first step. yung sa amazon pwede mo itry icontest. pero make sure na ingattan mo na yung details ng bagong card mo
Sir pano po pag ung card ko hindi ko inactivate simula nang pinadala sakin..
Same question sana
Sir papano po qng nkapag pay aq ng credit card q gamitang account number ko mismo sa credit card po..na dapat sa costumer number po?
sorry diko msyadong gets yung tanong mo . you mean nag bayad ka ng card mo using yung credit card number ba?
Paano po kapag nde iactivate ang cc magbabayad pa rin ba ng annual fee?
possible padin po. pacancel nlng if ever
sir panu magdeactivate ng citibank reward credit card online ?
hindi ata pwede online. dapat ata itawag sa cs?