I noticed Architecture Student po kayo dati. Architecture Graduate rin ako, and I'm feeling lost sa industry natin sa Pinas right now because of the low income and also because of the pandemic. Did you continue pursuing architecture? Can you make a video about your career and in relation to the finances in life, thank you 🥺
Citi recently changed its Premieremiles card from Visa to Mastercard. Just received the replacement card last week. Anyways, hope you can compare some gold cards soon too. Also, I'm trying to look for a Visa-branded rewards CC and I'm eyeing for the BDO Gold Visa or HSBC Gold Visa Cashback. Any recos? Awesome vlog! Keep it up! 😊
Aaron Olaguera i know! bummer haha. But it was also because I was told by 2 separate merchants in the mall that they only accept BDO/BPI for 0% installments. I was quite surprised but I get now why these banks aren’t as competitive with their rewards. They sent me their gold visa! I haven’t used it but perks seem pretty similar to the platinum one. Citibank should really send me the new card, haha I think they’re waiting for my card to expire 😂
Aaron Olagueray my bf has the HSBC Gold Visa Cashback but he prefers using the citibank cc, Seem like the cashback doesn’t add up to that much. He only uses it to gas up. Since you already have a Citibank Card, I’d go for the BDO or BPI CC, it compliments well with a travel rewards CC. I’m trying to compile a spreadsheet with all the credit catds (a bit ambitious so I’m far from done 😂)
In the Philippines? Not every establishment accepts card like small stores. But malls, restaurants, supermarkets, department stores, and all essentials all accept.
This is my 3rd Video played from this channel. Very informative and discusses topics that can be understood easily. Watching your videos is a good steo toward finacial literacy. Keep it up! God Bless.
Hello I'm new to this can you help me what type of card I'm gonna apply I have bdo atm already but I'm kinda scared and confused since there are different types of cards
From which outlets can you buy discounted tumi wallets? Thank you. Recently started watching your videos. Got me instantly hooked, and looking forward to more videos regarding finance and adulting
Paul Jared Ng Hi1 I got it at the Yeoju Premium Outlets in South Korea, their stores there had bigger discounts than in Japan! (I visited both last Oct 2019) Thank you! I’m glad you liked them, will definitely continue making more content!
Personally, I like Credit cards more cause if debit, you don't get anything for your spendings. With CC, I get to travel for free, get free gadgets, food, etc haha
breaking up into category's how many cards do you have tier 1 no points/miles / cash backs but cards that help out business how many do you have? tier 2 how many cash back cards do you have? tier 3 how many travel cards do you have? any branded with a airline?
I can increase your credit scores this is real here text me I will help you, And I do give away of $5,000 to reduce your stress): jimmyrechard@yahoo.com, crystanjames0001@gmail.com OR +1(334)4414599.......
Citibank for personal and Unionbank for work. BDO for big in store purchases. But in Lazada there’s a 10% disc for citi on fridays and 15% for BDO on mondays 😂
Pwde ba ang mga credit cards ay hindi na nahahawakan kumbaga dpat naka installed na sya sa mga bank apps at di mo na nhhwakan si credit card kung saan2x din tyo humhawak lalo nat may pandemic cardless ika nga hindi nasasanitize anf mga credit cards kumbaga rin is TAP lang ng TAP sa phone..
No, the emv chip is in the card kasi. You can use cardless if it’s an online transaction. It’s also more sanitary to use your card and tap/swipe rather than your phone.
Thanks for sharing this and about the credit cards, Charm! Kahit di ako nakatag sa challenge, gagawa din ako ng video kung ano ang meron sa wallet ko to keep this rolling. 😁✌
Hi may penalty po ba if ever di mo naman ginagamit card mo let say you used for a month then you paid it and then the next 2-3 months di mo sya ginagamit. May violation or fees po ba yun?
what would you recommend when it'll be mostly used for online purchases using a different currency like korean won or dollars? what would be the best when it comes to exchange rates and extra fees? thank you~
@@CharmdeLeon nagmarathon ako ng mga yt vids mo. Galing galing mo po mag explain 🙂 ang i hope mas marami ka pang ma educate... thank you for sharing your insight Ms. Charm. Na kka inspired 😇
Do you use any specific card or multi currency card for your international travels? What's the best option when comes to exchange rate and convenience?
oh wow! hahaha, I don't know if they're interesting. They weren't bad, but they also weren't great haha! I was a pretty average architecture student but I was Summa Cum Laude in extra curricular activities hahaha 😂
Te nindot gud jud makit an huhu ganahan ko kita te pls, or istory nalang sa imong ig te if dili sya pwede eh vid kay usually about personal finance jd baya ni imong channel 💖💖
niken santos the ones they sent me, yes. But I applied for the Titanium one. Note that BDO is my main bank and I have several savings accounts with them
@@CharmdeLeon thanks, Ms charm! I learned a lot from your videos! Keep it up! Have a great day and very advance congratulations po sa wedding nyo! Hihihi
Hi. Could you pls enlighten us more about credit card points you accumulate and how to use them or avail of benefits from them. Coz i’ve been having a lot of points in the past but really do not know how to take advantage of it. Thank you.
It depends on your credit card. You can search online where you can claim the points of your particular credit card. Some are for travel (airline, hotels, etc), some for items (there would be a catalog on their website), some are GCs, for grocery, etc
joe joe hahaha! I have the newer ones from the planners but I’m sentimental and like using the original 😂 I let my family use the others as extension to my account.
@@CharmdeLeon Im referring to the new SB cards since they have new promo mechanics effective July 17, so they replaced the old cards. You have to replace your card so you will be eligible for the promo :)
Very helpful content, all of her videos teach us how to use money wisely, even their condo tour/vlog, they are also teaching us even if it is Vlog. thank you arch. charm. more subscribers ahead.
Hi, I requested for an increase in credit limit and they asked me to send them my credit limit from another credit card (I had citibank that time already), Credit Cards tend to compete in treating you “better”, so they get your loyalty in choosing their card over others. After getting approved for an increase in credit limit, they upgraded my card, too!
Ready2Adult PH I have citibank and security ban for 3 years now. hahah I like citibank better than the other one. Nakatry ko wala basaha akong card sa fully booked, naulawan ko kadyot HAHAHAH!
Yey!😍I love this video. It may be an entertaining part of your series but still I learned something! God bless your channel😍
Personal CH yay! Thanks, I don’t want to keep bombarding Information so some light videos here and there. ❤️
You have so many cards Charm! Big same with your bandaids HAHAH I also keep mine in my wallet 😅😅
Nicole Alba i know! I noticed that too 😂 Mostly for shoe pains > cuts and stuff haha
I bought some credit card from *@Darkearlsimmons* on *telegram* and it was quite real and all his card were valid
Coincidental, i keep band-aids & studio photos too. Laughed a bit coz i did thought i was just the only one keeping those on wallet. 😂
Jennifer Alforque haha, I’m so prone to blisters! 😂
Nicole alba sent me here
Alyana-Tajma Romato oh heeey! Hello welcome ☺️
Ganyan dapat sa wallet naka focus ang camera..btw ganda ng wallet mo mam..love it !
Nicole sent me here. 🤗
I noticed Architecture Student po kayo dati. Architecture Graduate rin ako, and I'm feeling lost sa industry natin sa Pinas right now because of the low income and also because of the pandemic. Did you continue pursuing architecture? Can you make a video about your career and in relation to the finances in life, thank you 🥺
i doubt that. minimum gross income needed for titanium cards is 1M.
Citi recently changed its Premieremiles card from Visa to Mastercard. Just received the replacement card last week. Anyways, hope you can compare some gold cards soon too. Also, I'm trying to look for a Visa-branded rewards CC and I'm eyeing for the BDO Gold Visa or HSBC Gold Visa Cashback. Any recos? Awesome vlog! Keep it up! 😊
Aaron Olaguera i know! bummer haha. But it was also because I was told by 2 separate merchants in the mall that they only accept BDO/BPI for 0% installments. I was quite surprised but I get now why these banks aren’t as competitive with their rewards.
They sent me their gold visa! I haven’t used it but perks seem pretty similar to the platinum one. Citibank should really send me the new card, haha I think they’re waiting for my card to expire 😂
@@CharmdeLeon woah! Prompt response! I just edited my comment hahaha! Any recos for a Visa-branded rewards CC? :)
Aaron Olagueray my bf has the HSBC Gold Visa Cashback but he prefers using the citibank cc, Seem like the cashback doesn’t add up to that much. He only uses it to gas up. Since you already have a Citibank Card, I’d go for the BDO or BPI CC, it compliments well with a travel rewards CC. I’m trying to compile a spreadsheet with all the credit catds (a bit ambitious so I’m far from done 😂)
I have heard credit cards not accepted and cash was better. Im coming over next year and confused.
In the Philippines? Not every establishment accepts card like small stores. But malls, restaurants, supermarkets, department stores, and all essentials all accept.
This is my 3rd Video played from this channel. Very informative and discusses topics that can be understood easily. Watching your videos is a good steo toward finacial literacy. Keep it up! God Bless.
Hello I'm new to this can you help me what type of card I'm gonna apply I have bdo atm already but I'm kinda scared and confused since there are different types of cards
You remind me of Kim Dami from Itaewon Class.
aimee botecial hahaha Danbam! Goals 😂
Pls make a youtube video on the NEW Lazada DEBIT Card :)
From which outlets can you buy discounted tumi wallets? Thank you. Recently started watching your videos. Got me instantly hooked, and looking forward to more videos regarding finance and adulting
Paul Jared Ng Hi1 I got it at the Yeoju Premium Outlets in South Korea, their stores there had bigger discounts than in Japan! (I visited both last Oct 2019) Thank you! I’m glad you liked them, will definitely continue making more content!
Paano ko po makikita balance at binayaran ko sa metro bankcredit cards
hi po ate, tanong ko lang po kung san niyo po nabili yung eyehlass frame niyo po? thank you po in advance! :))
It’s tony morgan 😊
Carolinian! ❤️ Thank you also for this vid, I learned something. 🥰
Yesss! USC ❤️
Wagai2x mga Carolinian dira. Nice content. Very helpful kaayu ☺️
Kapoya sa credit card charm oi. Maypag debit
Personally, I like Credit cards more cause if debit, you don't get anything for your spendings. With CC, I get to travel for free, get free gadgets, food, etc haha
@@CharmdeLeon hahaha bitaw haha naa say advantage ...
breaking up into category's how many cards do you have
tier 1 no points/miles / cash backs but cards that help out business how many do you have?
tier 2 how many cash back cards do you have?
tier 3 how many travel cards do you have? any branded with a airline?
Are u recomended gcash wallet.😂😅
Nicole sent me 😬 you guys are so awesome at a young age. Keep it up!
Helloooo! Thank you!
Hi ate! How do you have so much credit cards how old are you?
I’m 26 ☺️
@@CharmdeLeon woah you look like you’re 20 lang ate 🤩
@@nlzjyy haha thank you! 🙏🏻💕
I can increase your credit scores this is real here text me I will help you, And I do give away of $5,000 to reduce your stress): jimmyrechard@yahoo.com, crystanjames0001@gmail.com OR +1(334)4414599.......
Nicole brought me here. Hehe
Oh hey bread fam!
Your content is really a great help for us transitioning to adulthood! 👍
Jennifer Alforque yay glad it helps. Let me know what other content you want to see!
Nicole Alba sends her regards
What credit card do you use for grocery or shopping?
Citibank for personal and Unionbank for work. BDO for big in store purchases.
But in Lazada there’s a 10% disc for citi on fridays and 15% for BDO on mondays 😂
I have the same starbucks card. :)
Nice, wala gi surrender ang college ID hahaha
😅🙊 I surrendered it! This was an ID na abi nko nawala nya nakit an after graduation na. Hahaha
Nice Tumi!!!!!!
Jet Luga hahaha thank you, Influencer 😂
Nicole sent me here...
Book recos please!
Mylene Ivy Cojuangco yes! Definitely a future video
So Nicole Alba just summon me to subscribe to this channel !!! ❤❤❤
Hey breadfam! 🍞
Pwde ba ang mga credit cards ay hindi na nahahawakan kumbaga dpat naka installed na sya sa mga bank apps at di mo na nhhwakan si credit card kung saan2x din tyo humhawak lalo nat may pandemic cardless ika nga hindi nasasanitize anf mga credit cards kumbaga rin is TAP lang ng TAP sa phone..
No, the emv chip is in the card kasi. You can use cardless if it’s an online transaction. It’s also more sanitary to use your card and tap/swipe rather than your phone.
Loved the credit card portion 👍🏼
Gerald Quintos thanks! More next video!
I bought some credit card from *@Darkearlsimmons* on *telegram* and it was quite real and all his card were valid
Subscribed already! Great content👍🏼 I would probably binge watch your contents today 😆
Yay! Welcome to the fam!
Do you have any update on your BDO titanium Mastercard?
Thanks for sharing this and about the credit cards, Charm! Kahit di ako nakatag sa challenge, gagawa din ako ng video kung ano ang meron sa wallet ko to keep this rolling. 😁✌
Hi may penalty po ba if ever di mo naman ginagamit card mo let say you used for a month then you paid it and then the next 2-3 months di mo sya ginagamit. May violation or fees po ba yun?
No ☺️ that’s fine
Pano ba makakuha ng credit card?
Ainie Cangayo I have a video about that here ☺️ You can apply through banks, malls, online. th-cam.com/video/gYtCLmcy65U/w-d-xo.html
Nicole brought me here too🥰
you cute! me:*gets shy*
Very helpful video.. God bless
Thank you!
Hello, how to get UB getgo card? Thanks
Melissa Alo you can apply online! ☺️ apply.unionbankph.com/?product=VG002
what would you recommend when it'll be mostly used for online purchases using a different currency like korean won or dollars? what would be the best when it comes to exchange rates and extra fees? thank you~
Looks exactly like Penshoppe's wallet
More videos like this please 😬
Excited for your video!
Hello, do you know if we can waive BPI credit card annual fee through the spending? Thanks in advance. ☺️
yes you can!
Maven and money made me watch you 😇 informative. Excited ako sa creditcard topics:)
mhelmarvelouz yay, Thank you. Bukas na! ☺️
@@CharmdeLeon nagmarathon ako ng mga yt vids mo. Galing galing mo po mag explain 🙂 ang i hope mas marami ka pang ma educate... thank you for sharing your insight Ms. Charm. Na kka inspired 😇
mhelmarvelouz thank you! Hoping to keep making videos for you guys! 💕☺️
Excited for another vid regarding credit cards do's & don'ts
Jennifer Alforque video is going live tonight!
I bought some credit card from *@Darkearlsimmons* on *telegram* and it was quite real and all his card were valid
please explain installment credit card
Do you use any specific card or multi currency card for your international travels? What's the best option when comes to exchange rate and convenience?
Unionbank gives really good rates
Hello po ate charm, can you please show us also your college projects and drawings po? Hehehe that would be really exciting 💜😍
oh wow! hahaha, I don't know if they're interesting. They weren't bad, but they also weren't great haha! I was a pretty average architecture student but I was Summa Cum Laude in extra curricular activities hahaha 😂
Te nindot gud jud makit an huhu ganahan ko kita te pls, or istory nalang sa imong ig te if dili sya pwede eh vid kay usually about personal finance jd baya ni imong channel 💖💖
BALONGA, RAYZA OLAIS BSBA- 1MM haha cge! Pwede, archi sad ka?
@@CharmdeLeon dili te uy, pero nagka interest kog tan aw tan aw mha designs hahaha
Nice calling card 😉
Right?!
Carolinian!
Hi! I'm just wondering how much is the credit limit in a signature card like femme signature card in metrobank?
*minimum credit limit
Nicole sent me here 😳😁
Heyyy! 🍞
Did BDO offered you the Titanium Mastercard? Wow
Elijah Chua I applied for it. But they just sent me the installment card and BDO gold, it just arrived in the mail 😂
Ready2Adult PH is that a pre approved CC?
niken santos the ones they sent me, yes. But I applied for the Titanium one. Note that BDO is my main bank and I have several savings accounts with them
Ready2Adult PH nice. How old is your savings account with them before they sent you the installment card? 😀
niken santos around 2 or 3 years.
nicole alba brought me here
Carolinian pala haha! #GoWarriors 😁
May mga transaction fees po everytime na magbabayad using cc po?
Nope! The merchants are the ones taking on the fees. It’s free for us to use if we always pay in full and on time
@@CharmdeLeon thanks, Ms charm! I learned a lot from your videos! Keep it up! Have a great day and very advance congratulations po sa wedding nyo! Hihihi
Hi. Could you pls enlighten us more about credit card points you accumulate and how to use them or avail of benefits from them. Coz i’ve been having a lot of points in the past but really do not know how to take advantage of it. Thank you.
It depends on your credit card. You can search online where you can claim the points of your particular credit card. Some are for travel (airline, hotels, etc), some for items (there would be a catalog on their website), some are GCs, for grocery, etc
@@CharmdeLeon thank you for replying. So kind of you.
You have to replace your SB card
joe joe hahaha! I have the newer ones from the planners but I’m sentimental and like using the original 😂 I let my family use the others as extension to my account.
@@CharmdeLeon Im referring to the new SB cards since they have new promo mechanics effective July 17, so they replaced the old cards. You have to replace your card so you will be eligible for the promo :)
joe joe oh really? Oh no okay will check that out, I usually use the app, too. That should still work, right? Haha
Very helpful content, all of her videos teach us how to use money wisely, even their condo tour/vlog, they are also teaching us even if it is Vlog. thank you arch. charm. more subscribers ahead.
How did you get upgraded from Gold Get Go to Platinum?
Hi, I requested for an increase in credit limit and they asked me to send them my credit limit from another credit card (I had citibank that time already), Credit Cards tend to compete in treating you “better”, so they get your loyalty in choosing their card over others. After getting approved for an increase in credit limit, they upgraded my card, too!
@@CharmdeLeon omg this is so helpful!!! Thank you!!!
Danielle D. Welcome! ☺️🤗
I love the color accent of your wallet
Tralalala L oh cool! Which ones do you use? How do you like them?
Ready2Adult PH I have citibank and security ban for 3 years now. hahah I like citibank better than the other one. Nakatry ko wala basaha akong card sa fully booked, naulawan ko kadyot HAHAHAH!
Tralalala L haha, yah I like my citibank, too and my unionbank pd actually. Mostly because they really give a lot of perks.
Ready2Adult PH puhon, will get union bank 🤞🏼
Amei a carteira 🤩
OOOHHHH an ad!
Mariewannaaa omg! I’m curious what ads pops-up
@@CharmdeLeon i got filmora na ad twice hahaha i watched it
Mariewannaaa hahaha thank youu, I’ve never seen a Filmora ad! 🤔
@@CharmdeLeon they dont need to push it on me, i have it na hahahaha
Nicole sent me here
Heeeyyy!
I hope I can get a BDO credit card soon 💳
I bought some credit card from *@Darkearlsimmons* on *telegram* and it was quite real and all his card were valid
I try to keep my wallet as minimal as possible haha really cool to see what was in yours!
firecrackerfrance please make one too! 💕
You had me with the band aid in your wallet 😂
😂😂😂
Cant wait for the credit card video! 🤍
Jenneh Dauz editing as we speak! Are you looking to get one also? ☺️