💳 apply for citibank credit card: citi rewards card ⭐️ bit.ly/CitiRewardsCC (highly recommend! no annual fee for life min of 20k spent within first 60 days - until oct 2021) citi simplicity card bit.ly/CitiSimplicityCC citi cashback card bit.ly/CitiCashbackCC Hello guys!! Here’s part 2 of my credit card 101 series-tips on how to properly handle your credit card. 💳 Hope you’re all safe 💕
Bakit po ako hindi makapag over the limit? Last time i have 22k remaining balance and then mag swipe sana ako worth 23k. But ayaw po niya, rinerequest po ba yun sa bank? I have BPI cc btw. Thank you
THEA! I just want to say thank you for guiding me with your financial advice. Did you know, before I applied for a new credit card, I revisited your video countless of times and took down notes. I am now 8 months in and religiously paying for my card! Also, establishing my credit score. Thank you for teaching us what they don't in school. Please keep it uppp! A big fan and supporter here. Hehe
Wowm ako din meron na credit card. Di ako nag aply pero pinadalhan ako ng bdo, siguro dahil sa ginagamit ko sa mga transaction ko ang bank account ko, mga transper transper lang lang gcash and bank to bank,.
I so love this girl for opening my eyes especially when I got my second card. Having a gold card is not a rights... It’s a privilege but you need to establish a good banking relationship. Meaning paying off your balance on time and even paying the minimum due to avoid being on a negative balance. Kudos! Please keep making these helpful videos to spread financial awareness.
Hi, ate Thea, I've been waiting for your upload. I really appreciate you taking time to research, sharing your experiences and for making these kinds of videos. Love your #titatalks 💕
For tip #6 - this happens to most banks, your credit limit gets replenished everytime you pay. Here’s a tip, for BDO cards it doesn’t work this way. Every month/cut off, your credit limit gets replenished regardless if you pay or not. Say for example your limit is 20k, and you used up the entire amount, on your cut off, your limit gets replenished and you have another 20k even though you have not paid yet
Downside sa Pinas is walang $0 or 0 peso fraud liability huhuhu, sana may no over the limit fee, no foreign fee and pag nawala yung card sana walang charge not unless expedite. Char #cap1
@@pollyestherecat1635 , not unless meron kang makitang agent na magaling magpa-process ng application. Sakin kasi all major bank credit cards I had, but same agent who processed my application. Except BPI.
@@pollyestherecat1635 , right now, my contact (agent) is not answering my text and call. Tsaka, mahirap talaga kung wala kang existing CC. Not unless, meron kang kakilalang manager sa bangko na kayang gawan ng paraan.
I always love your videos/content! Straight to the point and very informative! Walang paligoy ligoy and pinaghandaan ang content even if matagal bago ka maka upload ulit, that’s why its always worth waiting and/or watching for kahit pa mahaba yun video. I hope before the year-end ma-achieve mo na ang silver button. 💗
Wow. I know almost all, except dun sa installment na mababawas sa total credit limit, very helpful kasi kaka purchase ko lang kanina ng installment. Thank you so much! 😊
Watching your money talks or tita talks. It really helps me to be more careful about my spending, btw i`m on my 20s that is why im happy because i saw your videos. Informative and Helpful, keep it up
Thanks for uploading another informative video. I have learned new ways to protect my credit card. I love the correction tape tip for the CVC. I will do that too. I hope you can upload more videos. Is it possible for you to make a video on budgeting with Excel presentation? Take care.
Thank you so much for the tips!! Saktong sakto kakadating lng ng CC ko yesterday, nung pinanuod ko part 1 nag-plan pa lang ako kumuha. This is so helpful ate thea!! ♥️♥️ ♥️
the first time i watched this wala pa yun cc ko due to lockdown pero i have it now na. i searched for this video para ma-refresh ako sa mga do's and don'ts para iwas extra charges sa cc
Hi Ms. Thea! Thank you so much for this. I was having a difficult time choosing which card was perfect for me. Although articles explained the differences in between one card over the other, your content however covered the basics and precautionary tips perfect for beginners. I really appreciate this. I will be one of your regular viewers starting today. Thank you very much and continue to spread financial awareness! God bless.
Thank you Ms. Thea for creating another content on the subject of credit cards. Just received my own at the beginning of the month so these information are really relevant.
Hi, Ms. Thea very timely ng pag pop up ng vids mo. I'm planning to have my first cc then I saw this vid. Though, I've watched the 1st part po 😅 Well explained! Full of info nasa viewers na lang kung paano i-digest. Thanks for sharing the information 🤗
I got my Metrobank Credit Card. M free, naeenjoy ko naman sya lalo na yung perks nila na every 3k swipe may sm gc ako nakukuha. Dito ko din natutunan na gamitin ang credit card as cash, as in swipe and bayad kagad ako after a week or two weeks.
Hoping you'll do a review of the cc you have, especially how their customer service are. For reference lng din for new cc holders. Thanks po! Love this tita talks po. I'm learning a lot!😊
Facts: The client has no other charges in the statement except the annual membership fee. He requested it to be waived without spending the required amount given as an option by the bank, but no avail. He then demanded to the bank personnel to terminate the service instead. Question: will he be liable for non-payment of annual membership fee which will result to penalty? Thank you.
@@ldrs6542 paperless? sa email sinesend or phone number? tsaka kung zero no need na ba pumunta sa pinagbabayadan para ipakita na zero yung bill? or need pa rin ipakita kahit zero? sorry noob question po
@@japanesejapanese6620 yes, email and sa contact number mo. But the detailed statement, nasa email. If you had no transaction for the month and zero naman yung statement, just disregard it.
@@ldrs6542 oh thanks! tsaka need pa naman yan iacctivate diba sir? yung visa credit card kasi pinadalhan ako ng cc di naman ako nag apply! haha kinabahan ako wala pa kasi ako alam sa CC
Thank you Thea! You clearly explained the fine print in owning a credit card. Very helpful tips, as always I appreciate your videos. All the best to you!
Next time, talk about the Secured Credit card. Your limit is your money. Kinda hold you back from overspending. Also, the money being held by the bank usually earns higher interests than your usual savings account. Plus of course all the benefits, perks and convinience of having a normal credit card.
Pag halibawa ba bumili kang item for example tv or laptop, and sinabi mo installment yung payment, installment din lalabas sa bills mo o kung magkano talaga yung amount ng item?
Ms. Thea I have a question regarding yung safety. If I eat in a restaurant tas card payment, minsan nagaalangan ako na ibigay yung card ko tas ang layo pa nung POS. Sasamahan ko ba yung card ko? Kasi hindi lahat ng places dinadala sa table ko yung swipe thingy. 😔
More of this! More of tita talks! More of budgeting! More of adulting! Hehe. Love your content girl. And also missing your make up reviews. 😍 Love you 😘 P.S. Please do a review on Sunglow by Rei Germar and Mae Layug ♥️
Hello po, question lang about sa BDO Credit Card. Pwede ba ko magbayad twice before due date? Like half of the outstanding balance tas next couple of week half ulit basta before due. Thanks! ❤️
Hi! This series and your other financial series are very helpful. question, what are the fee/s you have to pay monthly if for example di mo ginamit yung credit card mo for that month?
Hi Thea, another tip if you need cash is link your cc to your Paymaya to fund it. No extra charges. From Paymaya you can withdraw the funds by transferring funds to your savings account, no charges too. :)
What to do kung naprovide mo na CC number at card expiration date but not the CVC? Beginner here and natawagan ako at nabigay ko yung CC number at card expiration. ✌️ Thank you so much!
Fun fact. I was nervous when I told my younger co-worker that applying for a credit card was faster and your chances of approval are better. I also warned her that it's both a gift and a curse. Basically a Pandora's box. She's a bit of an Apple fan. So yeah. There's that to worry about. 😬
Hi Thea, naka on ba yung caption submission mo? Super helpful ng video mo so dahil bawal nanaman gumala, baka sipagin akong maglagay ng captions para makatulong din sa mga hearing impaired or di fluent sa English 😊😊
Thanks Thea, new subscriber here, BDO sent me a BDO Diners Club International Credit card today, I don't know if I will activate it, I'm in my 30's and I always use cash to pay for everything. So helpful yung topic mo, I am thinking of using it actually! :)
Please update a video on how you prepare for community quarantine for covid-19. I want to get some ideas from you. Your one of my favourite youtubers by the way. Please upload more videos 😘
Thea, nice video. Tanong ko lang if yung Citibank card mo ba ay magrefund din kahit ikaw mismo ang magcancel ng sarili mong flight, dahil sa emergency?
Kinda confused sa part na you have to swipe kung kaya mong bayaran in full kapag mag-due date na. Paano if installment yung bayaran? Yung monthly fee ang babayaran di ba or if kebs ng pera pwede na ring bayaran in full? Newbie pa me sa credit card haha thank youuu!
Very informative and timely for me at the moment. 😊 I'm curious on the Metrobank No Anual Fee Credit Card.I have an existing ccard (other bank),and I wanted to avail of that No Annual Fee Metrobank CCard one.How likely can I be approved if I apply?Thanks 💕
thanks for uploading this! kasi may dumating na cc sakin but im not sure kung i-activate ko ba sya kasi naisip ko baka mag over spend ako tapos hindi ko mabayaran or mabaon din sa utang, now naliwanagan ako. thanks again!!
Very helpful po yung credit card series niyo salamat po ng marami for this. Question lang po, alam nyo po ba kung paano mapataas yung credit score because I heard from other people na pag mataas daw ang credit score, mas mababa daw interest na ibibigay sayo ng bangko for loans, also yung travel perks aka miles pwede ba yun gamitin ng may companion? Example is you got enough miles for two people pwede ba yun magamit?
Hi Ms. Thea. Ask ko lang, for example: lumabas na yung 1st statement ko, billing cut off ko is 14th of each month, my total amount due is 8,300 then I made a new purchase around 2,500 outside my previous cut off or statement. Do i need to pay the total balance as of now or just the total amount due that is only indicate sa statement ko para hindi sana ako ma charge ng finance/interest charges. Hope you response 😘
Ate nung nakaraang araw dumating na yung bdo shopmore credit card ko tpos ngayon po may dumating nanaman akong bdo shopmore credit card, bakit po kaya? Salamat po sa pagsagot.
Hello po , ask ko lang po sana naka hold po kasi ang cc ko na bdo shop more , ano pong dapat kung gawin para ma active ulit . Papalitan po ba yung card ?
Hi ask ko lang regarding sa due date what if mag bayad ako in advance sa due date but in full payment. Paunti unti ko lang babayaran basta i just sure na sa due date mafull payment ko sya. Hindi naman ako napepenalty nun?
Emilyn Araga no penalty as long as you pay in full on or before the due date :) good practice din yan para atleast you can make sure na di mo ma miss yung payments. What i do is tally the money I pay every time kasi minsan nalilito ka and you forget how much you paid. As long as you paid it in full no problem.
i watched the part 1 before I applied for a cc in Metrobank since dun ako may account and fortunately I got approved kaso due to covid-19 eh delayed yun delivery ng card ko. medyo confused ako dun sa part na total statement balance/amount due and minimum amount due.. so which one po ang dapat talaga na to pay in full so di maka-incur ng other charges? sorry po sa noob question, medyo di po ito clear sa akin. thanks!
Good topic ! Question pwd po ba mag apply ng credit card while working sa ibang bansa. ? For use of my family at phillipines? Thanks po sa video. GOD Bless😇
pano ko po malalaman if may annual charge and Credit Card ko dahil hindi naman po ako nag apply then nung nag open ako ng account nag skip ako sa applying for credit card pero after 1 year nagbigay sila ng credit card ko baka icharge po ako ng annual fee
![CAMPปลิ้น | EP.83[1/2] เปิดแคมป์หลอนต้อนรับ 2 ตัวพ่อแห่งวงการผี!](http://i.ytimg.com/vi/2uPuHYHgwiI/mqdefault.jpg)
💳 apply for citibank credit card:
citi rewards card ⭐️ bit.ly/CitiRewardsCC (highly recommend! no annual fee for life min of 20k spent within first 60 days - until oct 2021)
citi simplicity card bit.ly/CitiSimplicityCC
citi cashback card bit.ly/CitiCashbackCC
Hello guys!! Here’s part 2 of my credit card 101 series-tips on how to properly handle your credit card. 💳
Hope you’re all safe 💕
Great content as usual! ❤🙌
Tnx po
Thank you ate thea stay safe as well:) fr. Korean tita of ortigas
Recently got my CC. This video helps me a lot 👍👍
Bakit po ako hindi makapag over the limit? Last time i have 22k remaining balance and then mag swipe sana ako worth 23k. But ayaw po niya, rinerequest po ba yun sa bank? I have BPI cc btw. Thank you
THEA! I just want to say thank you for guiding me with your financial advice. Did you know, before I applied for a new credit card, I revisited your video countless of times and took down notes. I am now 8 months in and religiously paying for my card! Also, establishing my credit score. Thank you for teaching us what they don't in school. Please keep it uppp! A big fan and supporter here. Hehe
I remember nung part 1 wala pa akong cc, now I have na. Still this helps even if I work as csr for financial bank
Wowm ako din meron na credit card. Di ako nag aply pero pinadalhan ako ng bdo, siguro dahil sa ginagamit ko sa mga transaction ko ang bank account ko, mga transper transper lang lang gcash and bank to bank,.
anong bank cc mo? at ilan credit limit mo?
@@SammZhou unionbank gold
ano ba yan kung dimo naman ginamit yung credit card magpapadala pa din ba ng bill? kahit zero?
@@japanesejapanese6620 no po wLa 0
I so love this girl for opening my eyes especially when I got my second card. Having a gold card is not a rights... It’s a privilege but you need to establish a good banking relationship. Meaning paying off your balance on time and even paying the minimum due to avoid being on a negative balance. Kudos! Please keep making these helpful videos to spread financial awareness.
Been waiting this since nung napanuod ko yung Credit card 101. Thank you so much ate Thea
Hi, ate Thea, I've been waiting for your upload. I really appreciate you taking time to research, sharing your experiences and for making these kinds of videos. Love your #titatalks 💕
For tip #6 - this happens to most banks, your credit limit gets replenished everytime you pay. Here’s a tip, for BDO cards it doesn’t work this way. Every month/cut off, your credit limit gets replenished regardless if you pay or not. Say for example your limit is 20k, and you used up the entire amount, on your cut off, your limit gets replenished and you have another 20k even though you have not paid yet
Downside sa Pinas is walang $0 or 0 peso fraud liability huhuhu, sana may no over the limit fee, no foreign fee and pag nawala yung card sana walang charge not unless expedite. Char #cap1
This is a great topic, because most of the people forget how to use their card.
ano ba yan kung dimo naman ginamit yung credit card magpapadala pa din ba ng bill? kahit zero?
Citibank Rewards, Metrobank Cards, and HSBC Cards are running no annual fee promos right now. Share ko lang :)
Ang ayaw ko lang kay HSBC yung rewards points nag-expire. Kaya ipapa-delete or cancel ko.
Ang hirap to be approved sa citi. Any tips?
@@pollyestherecat1635 , not unless meron kang makitang agent na magaling magpa-process ng application. Sakin kasi all major bank credit cards I had, but same agent who processed my application. Except BPI.
@@CEOako do u mind sharing the agent lol pa refer ganun but also I don't have existing cc and I'm from BPO soo
@@pollyestherecat1635 , right now, my contact (agent) is not answering my text and call. Tsaka, mahirap talaga kung wala kang existing CC. Not unless, meron kang kakilalang manager sa bangko na kayang gawan ng paraan.
I always love your videos/content! Straight to the point and very informative! Walang paligoy ligoy and pinaghandaan ang content even if matagal bago ka maka upload ulit, that’s why its always worth waiting and/or watching for kahit pa mahaba yun video. I hope before the year-end ma-achieve mo na ang silver button. 💗
Wow. I know almost all, except dun sa installment na mababawas sa total credit limit, very helpful kasi kaka purchase ko lang kanina ng installment. Thank you so much! 😊
Watching your money talks or tita talks. It really helps me to be more careful about my spending, btw i`m on my 20s that is why im happy because i saw your videos. Informative and Helpful, keep it up
Napaka helpful ng vlogs mo. Unlike othe content creators. Very precise and full details. Not even a waste of time. 🎉
Thanks for uploading another informative video. I have learned new ways to protect my credit card. I love the correction tape tip for the CVC. I will do that too. I hope you can upload more videos. Is it possible for you to make a video on budgeting with Excel presentation? Take care.
Thank you so much for the tips!! Saktong sakto kakadating lng ng CC ko yesterday, nung pinanuod ko part 1 nag-plan pa lang ako kumuha. This is so helpful ate thea!! ♥️♥️ ♥️
Napakalinaw ng explanation mo hija. Thanks .God bless you and more power to your channel
the first time i watched this wala pa yun cc ko due to lockdown pero i have it now na. i searched for this video para ma-refresh ako sa mga do's and don'ts para iwas extra charges sa cc
Hi Ms. Thea! Thank you so much for this. I was having a difficult time choosing which card was perfect for me. Although articles explained the differences in between one card over the other, your content however covered the basics and precautionary tips perfect for beginners. I really appreciate this. I will be one of your regular viewers starting today. Thank you very much and continue to spread financial awareness! God bless.
Thank you Ms. Thea for creating another content on the subject of credit cards. Just received my own at the beginning of the month so these information are really relevant.
Hi, Ms. Thea very timely ng pag pop up ng vids mo. I'm planning to have my first cc then I saw this vid. Though, I've watched the 1st part po 😅
Well explained! Full of info nasa viewers na lang kung paano i-digest. Thanks for sharing the information 🤗
I got my Metrobank Credit Card. M free, naeenjoy ko naman sya lalo na yung perks nila na every 3k swipe may sm gc ako nakukuha. Dito ko din natutunan na gamitin ang credit card as cash, as in swipe and bayad kagad ako after a week or two weeks.
hi.. pano po kunin ung sm gc pagnka 3k ka sa sm?.. same po tyo ng card. nka almost 30k na cguro kmi kaso wala kmi gnun. ☺️
rachell canuto tapos na po ang promo ni metrobank my swipe my treats
@@rachellannjaviercanuto2654 ipakita mo lang po sa sm customer service yung mga codes na sinend sayo via txt. Kaso tapos na yung promo last march ata.
I like your contents when it comes to credit cards, I was enlightened with all the things I was worried/unknowledgeable enough ❤️
ano ba yan kung dimo naman ginamit yung credit card magpapadala pa din ba ng bill? kahit zero?
Pwede na maging prof! Hahajk. Great content as always. ❤
Bea Nicole Sy text him on what's app +1(206)-415 4732
Thanks for the tips mam. Credit cards can be your greatest friend or greatest enemy depending on how you use it :)
Hoping you'll do a review of the cc you have, especially how their customer service are. For reference lng din for new cc holders. Thanks po! Love this tita talks po. I'm learning a lot!😊
Facts: The client has no other charges in the statement except the annual membership fee. He requested it to be waived without spending the required amount given as an option by the bank, but no avail. He then demanded to the bank personnel to terminate the service instead. Question: will he be liable for non-payment of annual membership fee which will result to penalty? Thank you.
Same question
Straight to the point, accurate and helpful! Thank you, Ms. Thea! 😘
ano ba yan kung dimo naman ginamit yung credit card magpapadala pa din ba ng bill? kahit zero?
@@japanesejapanese6620 yes. Para walang confusion. Normally naman paperless na ang statement of accounts.
@@ldrs6542 paperless? sa email sinesend or phone number? tsaka kung zero no need na ba pumunta sa pinagbabayadan para ipakita na zero yung bill? or need pa rin ipakita kahit zero? sorry noob question po
@@japanesejapanese6620 yes, email and sa contact number mo. But the detailed statement, nasa email.
If you had no transaction for the month and zero naman yung statement, just disregard it.
@@ldrs6542 oh thanks! tsaka need pa naman yan iacctivate diba sir? yung visa credit card kasi pinadalhan ako ng cc di naman ako nag apply! haha kinabahan ako wala pa kasi ako alam sa CC
Dami kong natutunan. Thank you. I will apply these tips for my 4 credit cards.
Thank you Thea! You clearly explained the fine print in owning a credit card. Very helpful tips, as always I appreciate your videos. All the best to you!
Next time, talk about the Secured Credit card. Your limit is your money. Kinda hold you back from overspending. Also, the money being held by the bank usually earns higher interests than your usual savings account. Plus of course all the benefits, perks and convinience of having a normal credit card.
My first CC was approved yesterday. I am so happy. ❤️ very helpful tong video na to. I really love thea’s videos in general. ❤️❤️❤️❤️
Pag halibawa ba bumili kang item for example tv or laptop, and sinabi mo installment yung payment, installment din lalabas sa bills mo o kung magkano talaga yung amount ng item?
Ms. Thea I have a question regarding yung safety. If I eat in a restaurant tas card payment, minsan nagaalangan ako na ibigay yung card ko tas ang layo pa nung POS. Sasamahan ko ba yung card ko? Kasi hindi lahat ng places dinadala sa table ko yung swipe thingy. 😔
Tagal ko na rin inabangan ang part 2 nitong credit card series. 😊
Super busog po kami sa info. Thanks so much. Very informative. Keep making these kinds of videos po.💚
Very comprehensive and helpful! Salamat, Thea!
Super grateful for your tita talk videos 💖💖 I learn a lot as in 💖
Ahhhh need this! Liked before watching. ❤️❤️❤️
Thank you for uploading this hayyyy tagal kong hinitay.
Finallyyyy!! Been waiting for this ♥️
Much infooooo!! Thanks, Ms Thea. More kinda vlog like this 🙂
More of this! More of tita talks! More of budgeting! More of adulting! Hehe. Love your content girl. And also missing your make up reviews. 😍 Love you 😘
P.S. Please do a review on Sunglow by Rei Germar and Mae Layug ♥️
Hi Ms. Thea! I'm currently working in a bank but still this is so helpful thank you for giving us a wonderful content 😊💖
This is so timely :)) kailangan ko to. thank you thea!!
Dami kong natutuhan. Great things to know! ☺️ Thanks! ☺️
Hello po, question lang about sa BDO Credit Card. Pwede ba ko magbayad twice before due date? Like half of the outstanding balance tas next couple of week half ulit basta before due. Thanks! ❤️
Been waiting for this. Thankyou ♥️♥️
Yey!! Always looking forward for a new upload 😲😄❤❤❤ Also looking forward to see how you're doing in this times 😷
THANK YOU SO MUCH! THIS IS REALLY HELPFUL FOR ME AND TO OTHERS
Thank you for this. It's very helpful. Abangers talaga ako sa #TitaTalks haha.
Hi! This series and your other financial series are very helpful. question, what are the fee/s you have to pay monthly if for example di mo ginamit yung credit card mo for that month?
Thankyou so much sa pag explain about sa credit card. Very informative!
Watching this, now that I have my first cc na.
Hi thea i watched the first part and it helped me. I finally got my first credit card. Please upload financial talks. Salamat po!
I was waiting for this! Thank you so much!!! ❤️❤️❤️
Hi Thea, another tip if you need cash is link your cc to your Paymaya to fund it. No extra charges. From Paymaya you can withdraw the funds by transferring funds to your savings account, no charges too. :)
I am Ska ano po cc mo mam? Nag try ko sa BPI ko na cc Hindi ako Pwd mkapa cash in
kahit po kaya sa Grabpay or any App kapag nagadd ka ng pera using your CC ? Salamat po
Part 1 helped me decide on getting a CC. Now I have na! Thank you for this video, all noted =) God bless!
@@geoguyrocks354 God bless! CC is really not extra money, it is for responsible spending. Let's do this 🔥😃
I agree with the cash advance since beside the interest you also have to pay the cash advance fee. Malulubog ka talaga sa utang.
Super informative and helpful! Thanks for this! 👍🏼
I miss your tita talks ate thea! Pls do more tita vids relate na relate ako!
Watching this video while commenting, sana mamdami ako matutunan sa creditcards hehe
Very timely sa experience ko kanina. Worth the watch. 😊👍Thank you Ms. Thea! ♥️
What to do kung naprovide mo na CC number at card expiration date but not the CVC? Beginner here and natawagan ako at nabigay ko yung CC number at card expiration. ✌️ Thank you so much!
BDO emailed and messaged me that I'm qualified to avail the Titanium Mastercard. U got any idea of the perks and advantages of having such CC?
Thea can you give some tips how to get approved sa credit card application? Please! 😊 Thank you! 💞
Fun fact. I was nervous when I told my younger co-worker that applying for a credit card was faster and your chances of approval are better. I also warned her that it's both a gift and a curse. Basically a Pandora's box. She's a bit of an Apple fan. So yeah. There's that to worry about. 😬
This is very helpful and informative! Thank you for uploading!😘 Take care and stay safe!😊
Hi Thea, naka on ba yung caption submission mo? Super helpful ng video mo so dahil bawal nanaman gumala, baka sipagin akong maglagay ng captions para makatulong din sa mga hearing impaired or di fluent sa English 😊😊
Mam new subscriber po ask lang po ako tungkol sa bpi credit card mag kano po kaya ang interes sa 5k ang na gastos? Salamat po sa rply....
Upon checking the website of CITI Bank, kailangan daw po na Minimum income of 360,000 per year.
Thanks Thea, new subscriber here, BDO sent me a BDO Diners Club International Credit card today, I don't know if I will activate it, I'm in my 30's and I always use cash to pay for everything. So helpful yung topic mo, I am thinking of using it actually! :)
Was waiting for this vlog! Thank you so much!
Thank you po! Dami ko natutunan :)) 💛💛
Please update a video on how you prepare for community quarantine for covid-19. I want to get some ideas from you. Your one of my favourite youtubers by the way. Please upload more videos 😘
Thea, nice video. Tanong ko lang if yung Citibank card mo ba ay magrefund din kahit ikaw mismo ang magcancel ng sarili mong flight, dahil sa emergency?
Thank you for teaching things they never teach us in school!!
Budgetarian goals forever!!!!
Hi! Ma'am.. 😊 ask lang po ako. What if gusto ko po e pa close or cancel yong Credit card ko. Anu po ang tamang gwain na proseso? Salamat..
Kinda confused sa part na you have to swipe kung kaya mong bayaran in full kapag mag-due date na. Paano if installment yung bayaran? Yung monthly fee ang babayaran di ba or if kebs ng pera pwede na ring bayaran in full?
Newbie pa me sa credit card haha thank youuu!
Always waiting for your content 😊
Very informative and timely for me at the moment. 😊
I'm curious on the Metrobank No Anual Fee Credit Card.I have an existing ccard (other bank),and I wanted to avail of that No Annual Fee Metrobank CCard one.How likely can I be approved if I apply?Thanks 💕
Learned a lot in 21mins
Yay thank you Ms. Thea for another adulting vid. 😊🙏
Hello maam ano po yung ibig sabihin niyu kanina na annual interest ng cards at annual fee ng credit card?
I'm just curious, what's the benefit of having multiple credit cards? Is it for the multiple credit limit and/or because of each card's benefits?
Build credit.
Credit score
thanks for uploading this! kasi may dumating na cc sakin but im not sure kung i-activate ko ba sya kasi naisip ko baka mag over spend ako tapos hindi ko mabayaran or mabaon din sa utang, now naliwanagan ako. thanks again!!
If you're a responsible cc user, no worries. Wag magpapatukso.😉
Thanks for the vid, Ms. Thea! 😊 more contents pa pleaaasse! Just had ny CC pala.
Favorite series 👏🏻💖
Very helpful po yung credit card series niyo salamat po ng marami for this. Question lang po, alam nyo po ba kung paano mapataas yung credit score because I heard from other people na pag mataas daw ang credit score, mas mababa daw interest na ibibigay sayo ng bangko for loans, also yung travel perks aka miles pwede ba yun gamitin ng may companion? Example is you got enough miles for two people pwede ba yun magamit?
Hi Ms. Thea. Ask ko lang, for example: lumabas na yung 1st statement ko, billing cut off ko is 14th of each month, my total amount due is 8,300 then I made a new purchase around 2,500 outside my previous cut off or statement. Do i need to pay the total balance as of now or just the total amount due that is only indicate sa statement ko para hindi sana ako ma charge ng finance/interest charges. Hope you response 😘
Ate nung nakaraang araw dumating na yung bdo shopmore credit card ko tpos ngayon po may dumating nanaman akong bdo shopmore credit card, bakit po kaya? Salamat po sa pagsagot.
Hello po , ask ko lang po sana naka hold po kasi ang cc ko na bdo shop more , ano pong dapat kung gawin para ma active ulit . Papalitan po ba yung card ?
Hi ask ko lang regarding sa due date what if mag bayad ako in advance sa due date but in full payment. Paunti unti ko lang babayaran basta i just sure na sa due date mafull payment ko sya. Hindi naman ako napepenalty nun?
Emilyn Araga no penalty as long as you pay in full on or before the due date :) good practice din yan para atleast you can make sure na di mo ma miss yung payments. What i do is tally the money I pay every time kasi minsan nalilito ka and you forget how much you paid. As long as you paid it in full no problem.
@@TheaSanchez thanks
i watched the part 1 before I applied for a cc in Metrobank since dun ako may account and fortunately I got approved kaso due to covid-19 eh delayed yun delivery ng card ko. medyo confused ako dun sa part na total statement balance/amount due and minimum amount due.. so which one po ang dapat talaga na to pay in full so di maka-incur ng other charges?
sorry po sa noob question, medyo di po ito clear sa akin. thanks!
For your question po, must pay in full ang total balance amount due instead of minimum amount para hindi ka magka interest charge
Regarding sa delinquency if ever you forgot to pay your credit card on time once , would it mean na ndi na ako maaaprove sa mga loan?
same question
Good topic ! Question pwd po ba mag apply ng credit card while working sa ibang bansa. ? For use of my family at phillipines? Thanks po sa video. GOD Bless😇
pano ko po malalaman if may annual charge and Credit Card ko dahil hindi naman po ako nag apply then nung nag open ako ng account nag skip ako sa applying for credit card pero after 1 year nagbigay sila ng credit card ko baka icharge po ako ng annual fee
Hello, Ms.
What are your insights on BDO AMEX Cashback and BDO Gold Mastercard? Thanks.
Hi Miss Thea! Would you recommend using Wallet/Apple Pay as a credit card safe-keeping option too?