Credit Cards for BEGINNERS | vs Debit Card, Pros & Cons, How to Apply | Credit Cards 101

Hello po, May question lang po ako regarding sa BDO Shop More if alam nyo lang po, based on research pwede ma i-waive yung annual / monthly membership fee, paano po ba gagawin yun sa BDO Shop More CC? and if na i-waive mo na po ba lifetime na po ba yung free membership mo?

So I supposed the UB platinum rewards card is just mid-tier

Magdedeposit kaba po ba first before nila ibibigay ang creditcard sayo?

Magdedeposit kaba po ba first before nila ibibigay ang creditcard sayo?

Pano po mawewaive ang annual fee?

Shet ginawa kong annual fee yung membership fee kineme ahhaha awit forst timer ee. Pwede pala d mag bayad dun 😢

The Problem is the Credit Card user not the Card

@NicoleAlbaYT what cards do you have then?

Appreciate the insights. I was about to apply for a credit card, but I realized the importance of refining my spending habits first. Gotta get that financial balance before diving in hahahaha. Continue your excellent work; your content proves incredibly beneficial. The insights you provide are truly valuable and make a significant impact on understanding various subjects. Your efforts are highly appreciated, and I look forward to more insightful content in the future. ❤❤❤

Hi Nix, how can we avoid paying a membership ?

Hi Nicole, I dont know if its just me but listening to you speak in english feels like listening to a full tagalog video. IDK you speak so good!!!

How to apply

Very entertaining to watch. Thanks for the info, Nicole!

My first Cc is Titanium Card @21 years old. I don't apply for it. They just call me and ask if I want...

Hi mam pwdi po ba dito sa mga first timer po tulad ko gosto kopo sana maka apply nang wlang existing cc requirements

Ma'am as a current bsmt student and future seafarer what bank and what kind of bank account should we get. Should we use credit or debit?

can you make a video how to waive the annual fee for bdo visa classic?

Very informative. Thank you!
I wish you would have explained more how annual fees work. Like, how to not to have to pay them. Hehe
Awesome video nontheless!

I just know da credit card I bought with the guidance make it so easy to use, thanks to this dude called..…TRENCHGLITCH could have made few mistakes under fake page

kng mgtatagalog ka magtagalog ka kng mgiingles k magingles ka. pakain ko mga credit card mo sayo e. Cono ka e.ha.asar mo ko e

YO! MISS NICOLE...SAY WHAT? I'M IN SHOCK...YOU HAVE SO MANY CARDS...I DON'T EVEN HAVE A DEBIT CARD. KEEP UP THE GOOD JOB, WE'RE ALL LEARNING FROM YOU AND YOUR RESEARCH...YOU HAVE SO MANY CARDS...I'M SLEEPY

So helpful.

Saan po ba makukuha yung SOA

expired cards !

Wala akong natutunan, ang alam ko lang ang ganda niyo po tas ang galing sa financial

Hi po, I have a question, I'm still confused about the minimum spending requirement. Let's say I purchased a phone and then decided to pay it in installments. I pay the bill every month on time, but I don't meet the minimum spending requirement. Will there be any consequences if I don't meet the min spend requirement monthly?

hello po. may tanong po ako. existing bdo amex card holder po ako ate tapos maexpired na sya sa 2024, makakareceive pa din po kaya ako ng credit card sa kanila even if hindi na active yung debit account ko sa kanila. pero good payer po ako. since binigay po sakin ni bdo ung cc na un never po ako may naiwan balances. every month fully paid palage, at 5 years po yun ganon. makakatanggap pa din po kaya ako? sana meron pa huhu. sana po masagot po itong question ko. thank you po.

Damn, I should've discovered you sooner! New subscriber here. I like how very informative and concise this is.

Halimbawa po may utang akong 5K tas nilagyan konang 5K credit card automatic naba nikang kukunin yung 5K or I need to pay it pa?

Thank you for your tips, Nicole!

What if you avail a cc pero hindi mo naman ginagalaw, magbabayad kapa din po ba?

Paki bagalan naman pagsasalita pls,,,😅✌️

Thank you for the information you shared😊

Planning to get my first CC. and i chose citibank simplicity+. question nicole, can i use my seabank, unionbank and CIMB SOA as a requirement?

So let me get this straight, owning and using CC doesn't immediately give me an interest for my money spent?

Say I spent 10,000 on a phone, as long as I pay it in full for the month, I will only be paying 10,000? Not one peso more?

Lahat b ng credit card sa pinas my annual fee at bakit ang mahal 😂 dto sa Canada mas kukunin nmin ang walang annual fee

money money moneyyy

Hi mam, hindi ka po nagbabayad ng annual fee?

Thank you for this comprehensive video! Great help! 😊

sorry nalito ko sa RTS ratio 😅😅 the lower the better ba?

Hi! Can you create a video about how to register to BIR as a self-employed/freelancer individual?

How do you pay your credit balance? from your savings account or an over the counter transaction with the bank?

I've never gotten a credit card but since I'm turning 18, I will get my 1st credit card but the thing that I don't understand is how u pay ur money back. If u have money in ur bank account, the debt gets payed automatically or how does it work? I'm a little confused.

Really Clever!

What country are you from? I love your accent!

I like how you explain everything. Madami akong natutunan sa video na to. Glad napunta ako sa channel mo. Sa dinami dami ng pinanood ko. Ito lamg nakasagot sa tanong ko. Thank you so much. Keep it up!

You are informative and fun!!! Nakakainspire tbh

can you make a review about revi credit cimb