My wife and I are near retirement but we've never looked up our credit scores and quite frankly we don't care. We also don't use our credit cards to accumulate points. We just use our CCs when it's needed such as for online payments but at restaurants or retail stores I won't hesitate to pay cash. Our spending is definitely old school but it has worked for us
Thanks for sharing. Didn’t have that problem when I was there. Natuto ako ng maaga sa pinas. Siguro dapat nabasa mo ng maigi yun credit card terms and condition. Anyway past is past based on the video kayang Kaya mong bayaran yan and get things straight. Good luck!
100% pinanunood ko ang mga Videos mo Bro.... Alam ko naman ang hirap jan sa Canada thats why thru watching you without skipping ads that helps a lot na makatulong sa Monetization mo. Keep motivated lang Bro always Pray na yung Opportunity Knocks on you Soon. ❤
@@indianongbisdakkuya napapanood mo ba si Mr nobody yung nag rereview ng mga pagkain sa India 😂😂😂😂😂 mga kalahi niyo pampa saya lng lods mga kinakamay na street food
Same here in the US… it’s important to build up a credit history and maintain a good credit score. Just make sure you’re on top of things and wag parati ma late sa payments.
there are autopayments on credits now. many, not all. here's the lesson: pay whatever the amount is in the statement before due date to not accumulate interest. kung may credit card kang nag accumulate ng points for travel ehem cobalt ehem, baka makauwi ka pa sa pinas through points oops, nasabi ko na hehehehe
ako may credit card rin na bayran ko na yung PC.Mastercard Financial at yung CIBC Costco Mastercard ko naman 2 hundred dollars nalang ang babayaraan ko at yung latest ko ay Walmart Reward Mastercard ay nasa 3.000 pa kaya as much as possible binabayaran ko talaga at pag may mga extra pa akong pera binabayaran ko agad instead na Babayaran ko yung minimum depende sa laki ng inutang mo lets say 35,00 dollars ang minimum instead binabayran ko ng 100. right away kasi kahit bayaran ko yan ng minimun mas malaki pa yung interest sa Minimum na babayran ko
I never believed in credit card dahil it won't align you to financial freedom.. If i can't afford it i won't buy as easy as that.. avoid lifestyle inflation and be debt free in Canada
@@indianongbisdak i've been living here in Saskatchewan for a long time being debt free.. My advice to you visualize how you life would be if you are debt free then find your way going there. Kung may utang ka ngayon challenge yourself to do your best and get out of it.. nagawa ko yan so you can do it for sure.
kaya mahalaga na may SMS at Email notifications para sa due's ng CCBill then set alarms 3-4 days before ng due date para maging on time sa payment. Live within your means talaga, minimize yung purchases for "wants" na hinde naman kaya pala bayaran within the month or magiging alangan sa future budget kahit 12 months to pay siya.
Ladies & Gentlemen the credit card is very important specially when travelling. First to build up your credit history you need to use ur credit card & pay on time. This is one of criterias if u buy property in Canada & U.S, Secondly when you travel some other countries they don’t accept cash while you are on the airport for layover.
"I didn't know when to pay" has to be the best excuse I've heard. The monthly statement it tells you the balance you owe, date payment is due, and minimum payment required. Paying the minimum amount does not even begin to pay the interest on your balance all it does is keep the account active otherwise it goes to a collection agency. Going on vacation doesn't mean you can take a vacation from paying obligations. A bad credit score does not improve with a couple of payments made on time - it takes years of consistent good behaviour! You are correct a good number of new immigrants have not had exposure to credit cards - you can be assured they operate the same everywhere. On the other side you are now a preferred customer of the credit card company because they make nothing in fees and interest charges from people who pay in full and on time.
Ako ayaw ko ng credit cards, ayaw ko naman na may iisipin ang babayarin monthly. Mas enjoy ako pag cash ang hawak ko o magbabayad ako. At saka para sa akin may kontrol ko ang expenses ko without it. Yan ay sa akin lamang.
Nangungutang ako noong nag-aaral pa mga bata kaliwa’t kanan. Ngayon sa cooperative na lang mababa pa interest may patronage refund pa yearly. Kinatatakutan kong utangan ang credit card bukod sa matindi ang interest matindi pa maningil ang mga agent nila
Helpful ang card but need jud disiplina. I opted for a cash back with 160 annual fee. Ang ako cash back alone makakuha ko 600 cad nya naa pa libre na travel and electronic device insurance
Its ok umutang (if you can get it)...... as long as you can pay it back on time....and/or without getting into a bad credit rating.... In fact credit card invention is a scam of modern times.
Dito sa Canada, dapat tratuhin natin ang credit card na parang cash na sa katapusan ang kailangang bayaran ng buo. 22% kasi interest niyan mababaon ka talaga. Ang credit card ay magandang kagamitan para bumuo ng credit history mo sa Canada para sa huli ay makakakuha ka ng magandang interest rates sa car loan o mortgage.
I live in the Philippines working for a Canadian company remotely. I have zero loans. Credit cards paid in full every month. I own property too. I’m so surprised how hard it is to live in Canada. I didn’t expect it.
Grabe kayu ang mahal cost of living dha bai. Makalumos ang rent dha bai mahal pa mga pamaliton tas sweldo nimo minimum lang paita. Canada p more laban lang. heheh
@@indianongbisdak hows ur experience to have a Canadian girlfriend like that hows canadian attitude towards ibang lahi. Lage kita pinapanuod eh galing ng mga vlog mo informative sya. Ingat ka lage dyn.
as you've said "hanggang kaya mo.." magbayad. if sinagad mo tapos di mo nman pala kaya bayaran, then its on you. kasalanan mo yan. lesson learned the hard way. based on your previous videos, parang andami mong maling decisions nagawa. from pagpunta jan sa canada, to pagiging student, etc... at ito na nman ang pag gamit ng credit card. ingat ka sa mga decision making sa buhay..
Mahirap mabaon sa utang dito sa Canada at 5-6 ang kalakaran tulad sa pag utang sa Pinas. Carry a small notebook and literally list down every money spent. Then pay your credit card each day as you use them. You’ll then get into the habit of paying on time. Someone with a 30k credit card debt took 3 years to pay it off even with a lot of discipline. If it’s not essential, don’t purchase. Lifestyle creep is real.
This type of video should not be shared. The dumbest financial thing you can do is to use a credit card. The best thing to do is pay in cash or debit card.
WAG LANG GUMASTOS NG MORE THAN WHAT YOU CAN AFFORD...55 YRS OLD NA AKO PERO NI MINSAN DI NA KA KUHA NG INTEREST ANG CREDIT CARD SAKIN...PALAGI KO BINABARAYARAN BEFORE PA NG DEADLINE PARA WALANG INTEREST.....GINAGAMIT KO LANG ANG CREDIT CARD PARA DI NA MAG DALA NG PERA
Depende nalang po siguro sa pangangailangan ng tao. But personally, i would say importante magkaroon ng credit card dito in a sense na kailangan mo mag build ng credit history at credit score.
Credit card delinquency is all too common amongst working professionals all over the world. Financial literacy should be taught to students while still at school so once they enter the work force, they are in control of their own finances and avoid monetary pitfalls in the future.
Kapag malaki ba ang utang mo sa credit card hindi ka na basta mapapaalis ng Canada kasi dapat bayaran mo muna yung utang mo? I know it's not that simple pero may dagdag score ba ito sa iyo sa application mo?
Pwede mo naman takbohan utang mo sa credit card. If thats what you’re asking po. Yun nga lang, ma bablacklist na pangalan mo and most likely d kana makakakuha ng credit card. Masisira pa credit score mo. And wala pong dagdag score ang paggamit ng credit card
Nasa tao na yan idol on how they will take my content. Atleast i know, that my intentions are pure and all i want to do is spread knowledge and awareness 😁
![MV วิถีชีวิตใต้ - ผา อัยย๊ะ [Official MV HD]](http://i.ytimg.com/vi/nODlkOUu9B0/mqdefault.jpg)
My wife and I are near retirement but we've never looked up our credit scores and quite frankly we don't care. We also don't use our credit cards to accumulate points. We just use our CCs when it's needed such as for online payments but at restaurants or retail stores I won't hesitate to pay cash. Our spending is definitely old school but it has worked for us
That’s actually pretty good po. As long as it is working for you guys, that’s all that matters 😁
Thanks for sharing. Didn’t have that problem when I was there. Natuto ako ng maaga sa pinas. Siguro dapat nabasa mo ng maigi yun credit card terms and condition. Anyway past is past based on the video kayang Kaya mong bayaran yan and get things straight. Good luck!
100% pinanunood ko ang mga Videos mo Bro.... Alam ko naman ang hirap jan sa Canada thats why thru watching you without skipping ads that helps a lot na makatulong sa Monetization mo. Keep motivated lang Bro always Pray na yung Opportunity Knocks on you Soon. ❤
Maraming maraming salamat bro! I really appreciate it po 😁
@@indianongbisdakkuya napapanood mo ba si Mr nobody yung nag rereview ng mga pagkain sa India 😂😂😂😂😂 mga kalahi niyo pampa saya lng lods mga kinakamay na street food
Same here in the US… it’s important to build up a credit history and maintain a good credit score. Just make sure you’re on top of things and wag parati ma late sa payments.
Indeed 😁
Watching from Brampton, Ontario, Canada ❤❤❤❤❤
It's wiser to use credit card kasi protected yung funds mo and desputes are easier since it's basically the bank's money❤
Exactly po 😁
Relate na relate Kabayan. Very informative.
Maraming salamat po 😁
Very well said brother👍
Nice concept of blog
Keep it up🥰
Maraming salamat po 😁
there are autopayments on credits now. many, not all. here's the lesson: pay whatever the amount is in the statement before due date to not accumulate interest. kung may credit card kang nag accumulate ng points for travel ehem cobalt ehem, baka makauwi ka pa sa pinas through points
oops, nasabi ko na hehehehe
Assallam Allaikumm Pajeeee!
Thanks for sharing your credit card experience. Lesson learned Kabayan, ajaw na pag otroja na mag more than sa max limit.
Dli na gajud ma otro, na tagam na 😂
Amo gajod, di ram sab kon ikaw an na fall hamok isab gajod
ako may credit card rin na bayran ko na yung PC.Mastercard Financial at yung CIBC Costco Mastercard ko naman 2 hundred dollars nalang ang babayaraan ko at yung latest ko ay Walmart Reward Mastercard ay nasa 3.000 pa kaya as much as possible binabayaran ko talaga at pag may mga extra pa akong pera binabayaran ko agad instead na Babayaran ko yung minimum depende sa laki ng inutang mo lets say 35,00 dollars ang minimum instead binabayran ko ng 100. right away kasi kahit bayaran ko yan ng minimun mas malaki pa yung interest sa Minimum na babayran ko
Yes naman po! Good luck sa inyo! Mababayaran din natin ang mga credit card natin 😂 laban lang.
I never believed in credit card dahil it won't align you to financial freedom.. If i can't afford it i won't buy as easy as that.. avoid lifestyle inflation and be debt free in Canada
Being debt free in Canada is ideal talaga pero mejo mahirap yan lalo na sa mga relatively bago pa lang dito.
@@indianongbisdak i've been living here in Saskatchewan for a long time being debt free.. My advice to you visualize how you life would be if you are debt free then find your way going there. Kung may utang ka ngayon challenge yourself to do your best and get out of it.. nagawa ko yan so you can do it for sure.
kaya mahalaga na may SMS at Email notifications para sa due's ng CCBill then set alarms 3-4 days before ng due date para maging on time sa payment. Live within your means talaga, minimize yung purchases for "wants" na hinde naman kaya pala bayaran within the month or magiging alangan sa future budget kahit 12 months to pay siya.
Exactly po. Magandang idea ang mag set ng alarm at may sms and email notif. 😁
Hello am from victoria park avenue but currently on vacation in philippines and watching your vlogs😏, good advice for all the new comer
Kapit bahay lang pala tayo! Enjoy your vacation in the Philippines po. Maraming salamat for watching my videos. Huwag nyo po kalimutan pasalubong ko 😁
Ladies & Gentlemen the credit card is very important specially when travelling. First to build up your credit history you need to use ur credit card & pay on time. This is one of criterias if u buy property in Canada & U.S, Secondly when you travel some other countries they don’t accept cash while you are on the airport for layover.
Walang masama sa utang wag lang sobra. Pero depende kasi sa sitwasyon yan.
Yun na nga po.
Yun na nga po.
"I didn't know when to pay" has to be the best excuse I've heard. The monthly statement it tells you the balance you owe, date payment is due, and minimum payment required. Paying the minimum amount does not even begin to pay the interest on your balance all it does is keep the account active otherwise it goes to a collection agency. Going on vacation doesn't mean you can take a vacation from paying obligations. A bad credit score does not improve with a couple of payments made on time - it takes years of consistent good behaviour! You are correct a good number of new immigrants have not had exposure to credit cards - you can be assured they operate the same everywhere. On the other side you are now a preferred customer of the credit card company because they make nothing in fees and interest charges from people who pay in full and on time.
They can still make money from exchange rates if you're traveling overseas
" I didn't know when to pay", why? The bank doesn't send you the billing?
Ako ayaw ko ng credit cards, ayaw ko naman na may iisipin ang babayarin monthly. Mas enjoy ako pag cash ang hawak ko o magbabayad ako. At saka para sa akin may kontrol ko ang expenses ko without it.
Yan ay sa akin lamang.
Lami kaau mangutang , pait ang bayad. Utang pa more.
Kung kabalo mangutang, dapat kabalo sad mubayad 😂
Nangungutang ako noong nag-aaral pa mga bata kaliwa’t kanan. Ngayon sa cooperative na lang mababa pa interest may patronage refund pa yearly. Kinatatakutan kong utangan ang credit card bukod sa matindi ang interest matindi pa maningil ang mga agent nila
Sir bt ang glng mo mgtglog
Helpful ang card but need jud disiplina. I opted for a cash back with 160 annual fee. Ang ako cash back alone makakuha ko 600 cad nya naa pa libre na travel and electronic device insurance
Wow kadako sa cash back. Tinuod, helpful jud ang credit card in many ways.
@@indianongbisdak yes, helpful jud. Mahal baya ang gadget insurance and travel insurance, bawas anxiety din
Its ok umutang (if you can get it)...... as long as you can pay it back on time....and/or without getting into a bad credit rating....
In fact credit card invention is a scam of modern times.
Dito sa Canada, dapat tratuhin natin ang credit card na parang cash na sa katapusan ang kailangang bayaran ng buo. 22% kasi interest niyan mababaon ka talaga. Ang credit card ay magandang kagamitan para bumuo ng credit history mo sa Canada para sa huli ay makakakuha ka ng magandang interest rates sa car loan o mortgage.
Exactly po. I agree 😁
I live in the Philippines working for a Canadian company remotely. I have zero loans. Credit cards paid in full every month. I own property too. I’m so surprised how hard it is to live in Canada. I didn’t expect it.
Maayong buntag sir, dugay dugay pud ka na wala ka upload,ok lang naman mangutang for emergency. 😊
Maayong buntag sad dha sir! Dugay2 jud nawala boss hehe daghan problema 😂
Kala ko milyon. Nasa pinas ako ma mamax ko na ung 1m na limit ko 22k per month for 5 years bigat. Sarap kasi mag cc. Lol.
Parang milyon na din sa akin yung $10,500 na utang ko lol
I prefer debit card kc control mo yung gastos mo
Grabe kayu ang mahal cost of living dha bai. Makalumos ang rent dha bai mahal pa mga pamaliton tas sweldo nimo minimum lang paita. Canada p more laban lang. heheh
Lage bai,tinuod jud na. Maskin pa dako na imong minimum wage, dako sad lage kaltas sa tax. Recent years, challenging na jud kaayo dire.
Sir pano nyo po nabayaran yung 10,500 curious lang po hehe hello from the UK : )
Mag vlog kna man regarding sa makipag relasyon sa canadian
Paano kaya yon 😂
@@indianongbisdak hows ur experience to have a Canadian girlfriend like that hows canadian attitude towards ibang lahi. Lage kita pinapanuod eh galing ng mga vlog mo informative sya. Ingat ka lage dyn.
as you've said "hanggang kaya mo.." magbayad. if sinagad mo tapos di mo nman pala kaya bayaran, then its on you. kasalanan mo yan. lesson learned the hard way. based on your previous videos, parang andami mong maling decisions nagawa. from pagpunta jan sa canada, to pagiging student, etc... at ito na nman ang pag gamit ng credit card. ingat ka sa mga decision making sa buhay..
Take a shot every time he says 'guys'
Malalasing ka
First comment 😊😅
Congrats and thank you! 😁
Hi. Saan ka po san Canada?
Sa Toronto,Ontario po. Kayo po ba?
Hindi sya amusement park bhaijaan! Park lang talaga sya. Na-amuse ka lang hahaha!
Baka ganon na nga po 😂
Mahirap mabaon sa utang dito sa Canada at 5-6 ang kalakaran tulad sa pag utang sa Pinas.
Carry a small notebook and literally list down every money spent. Then pay your credit card each day as you use them. You’ll then get into the habit of paying on time.
Someone with a 30k credit card debt took 3 years to pay it off even with a lot of discipline.
If it’s not essential, don’t purchase. Lifestyle creep is real.
This type of video should not be shared. The dumbest financial thing you can do is to use a credit card. The best thing to do is pay in cash or debit card.
WAG LANG GUMASTOS NG MORE THAN WHAT YOU CAN AFFORD...55 YRS OLD NA AKO PERO NI MINSAN DI NA KA KUHA NG INTEREST ANG CREDIT CARD SAKIN...PALAGI KO BINABARAYARAN BEFORE PA NG DEADLINE PARA WALANG INTEREST.....GINAGAMIT KO LANG ANG CREDIT CARD PARA DI NA MAG DALA NG PERA
Good job! Kudos to you po 😁
Bro san ka sa canada po?
Ontario po. Kayo po ba?
Mandatory ba na magkaroon ng Credit Card at bakit kelangan yan?
Depende nalang po siguro sa pangangailangan ng tao. But personally, i would say importante magkaroon ng credit card dito in a sense na kailangan mo mag build ng credit history at credit score.
gcash nlang 😊
Pwede po pala gcash dito?
@@indianongbisdak sa pinas kaya uwi na😄
Credit card delinquency is all too common amongst working professionals all over the world. Financial literacy should be taught to students while still at school so once they enter the work force, they are in control of their own finances and avoid monetary pitfalls in the future.
Exactly. I agree.
Kapag malaki ba ang utang mo sa credit card hindi ka na basta mapapaalis ng Canada kasi dapat bayaran mo muna yung utang mo? I know it's not that simple pero may dagdag score ba ito sa iyo sa application mo?
Makikita rin naman nila iyan sa system kapag inevaluate ka.
Pwede mo naman takbohan utang mo sa credit card. If thats what you’re asking po. Yun nga lang, ma bablacklist na pangalan mo and most likely d kana makakakuha ng credit card. Masisira pa credit score mo. And wala pong dagdag score ang paggamit ng credit card
@@indianongbisdak Thanks😅
You can go home to the Philippines nobody will stop you. The credit card company will just chalk it up to bad loans.
For me masama din Minsan Yung mga content mo idol! Lalo na pag dating sa buhay dyan sa Canada.
Nasa tao na yan idol on how they will take my content. Atleast i know, that my intentions are pure and all i want to do is spread knowledge and awareness 😁