CREDIT CARD INSTALLMENTS - Basics and Tips - 0% Installment -
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- čas přidán 23. 07. 2024
- Hey guys! So this is one of the topic I usually get asked in tiktok, youtube comments. So all those wondering and asking kung ano ba nga ba ang installment and how do we use installments sa credit card! Here it is for you!
Oh, like my FB page! / jacquesjax.reyes
See ya! @jacquesjax on tiktok!
🕰️ TIMESTAMPS
🌟
➜ 00:00 - Intro
➜ 01:00 - Installments
➜ 03:55 - Installment Offerings
➜ 07:24 - How to get installment on purchases
➜ 10:24 - Some reminders for installment purchases
➜ 12:56 - Pahabol installments?
➜ 14:11 - Three Things to remember
➜ 19:00 - Some personal messages
LINKS:
BPI Madness - www.bpi.com.ph/creditcards/up... (up o 100% of your credit limit just for installment purchases)
BDO Installment - www.bdo.com.ph/personal/credi...
HSBC Installment - www.hsbc.com.ph/credit-cards/...
RCBC Installment - rcbcbankard.com/features-and-...
Eastwest - www.eastwestbanker.com/info/p...
Metrobank - watch/?v=137...
PNB - www.pnbcards.com.ph/index.php...
Chinabank - www.chinabank.ph/creditcards....
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🎵 MUSIC By EPIDEMIC SOUNDS:
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🤝 GET IN TOUCH WITH US:
JAX 👦
📸 Instagram: / jacquesjax
🐦 Twitter: / jacquesjax
🎵 TikTok: www.tiktok.com/@jacquesjax
JAZ 👧
📸 Instagram: / _jazreyes
🎵 TikTok: www.tiktok.com/@_jazreyes
📧jaxandjazr@gmail.com
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We're two Aquarian siblings who loves bumping bellies and talking on their cellies 24/7. Jax is a full-time corporate employee and entrepreneur, while Jaz is a Radio DJ, host, and content creator! We make videos about personal life, finance, fashion, travel, and eats. We're kinda super similar but also super different at the same time. ❤️
#JaxAndJaz #CreditCardInstallment
Credit Card Installment - How to and Tips on 0% Installment up to 24 months - #JAXHACKS
Thanks for all your support guys! Excited to create that giveaway for you all this holiday season!!
Hi. For citi, which is better, straight then convert to installment or 0% right away? Price for straight is 18k while 21k for 0%
@@rampototot hi sir, ask ko lang after straight payment of the item you purchased guaranteed ba na pwede sya itawag and maconvert into installment? Thanks
@@vnsnty yep. Available naman sya sa citi app
jax panu kung gusto mo mqgadvance payment sa installment..for example 12 months installment pero gusto mo sya tapusin in 6 months lng..so panu ung advance payment?
++q++++@@rampototot
Yey! Thank you so much Jax for yet another insightful video❤ I love how you mention all the reminders/notes that credit card users must remember when it comes to installments. I totally agree with the rule of thumb of buying things only when you have the same amount in the bank.
Yes diba TM super important yun yan yung rule of thumb talaga!
I can really feel that you dont want us na maging careless and mabaon sa utang. So thoughtful thanks very much for this video, i learned things! ❤️
Awww ty! Yes of course ayaw ko talaga!!!
this is the kind of person i would love to talk to especially when it comes to personal finance and business. nice content keep it up!
awww thank you!! :)
Thank you so much for all your insights, Jax! Sobrang helpful to lalo na sa mga excited na mag spend this holiday season! Sobrang agree ako sa sinabi mo na "if wala kang same amount of money in your bank, don't buy that item with an installment plan sa credit card."
Thanks Gillian!! Yes tama yan or else mahirap na magkautang sa CC diba?
Very informative. Just the enlightenment I need about credit card instalments. Walang daming unnecessary information, deretcho at based on experience. Keep it up 👍🏻
aww thank you so much po :)
I was browsing videos about credit card installments and I found your video. This is really helpful. ❤
Love the energy! Pero most importantly, natututo ako. Thankyouuu. 💙
Wala naman nakakahiya duon JAX ... dedma na to the world... dedma to the max.....
True
For the longest time may misconception ako sa mga cc. Thanks sa mga vlogs mo Jax, I'm trying to apply na sa banks. Super simple yet realistic ng tips mo. Thank you ulit. ☺️
awww welcome iris!!
Hello again Jax!! Going back to my first comment here. I just got my first cc as well, finallyyy! ❤️
Salamat! Ang galing at sobrang linaw mo mag-explain!
Ang galing. BPI CC First-timer here. You helped me a lot. Truly informative content mo Sir 🙌🏻💕
Awww thank you Yaz! Glad nakakatulong!!
Ikaw yung pinaka gusto kong nag bigay ng advice and info regarding credit cards. I love the way you talk and napaka realistic ng mindset mo specially sa interest and fees. More power sa channel mo 😊
Aww thank you!!! ❤️❤️❤️❤️❤️
yes. straight to the point
congrats on monetising your channel, very well deserved po. hope you get more viewers for a more financially educated Philippines < 3
Aww thank you JC!! Yes! Slowly we'll reach that goal!! ❤️❤️❤️
Hi Jax! This is very helpful esp for new cc holders like me ☺️ ! Love watching your blogs 💓☺️ Congrats!!
Yey!! I really love how you explained every detail. You covered almost everything that I wanted to know. ♥️
awww ty po!! :)
Thank you very much. Ang dami kong natutunan sa mga videos mo. Having a credit card for a long time, konti lang tlga ang alam ko about dun. But having those kinds of videos, ang dami kong natututunan. Ang sarap din kang panoorin because para lang tayong nagkukwentuhan, wala kang ere sa pagshashare ng knowledge mo,. Love you. Godbless
Aww thank you angela! Glad you enjoyed the content!! That’s super my goal creating these videos ❤️❤️❤️
I love the way you explained! Its not boring like the others
Awww thank you noname!! :)
@@JaxReyes_thank you ,it really helps alots.
Hi Jax! I've watched almost all your credit card series since the first day have found you here in youtube😉Thanks coz it's really a big help especially to those who are first time credit card users.❤️ I have learned so much from you, REALLY🙏❤️
Awww thank you Kaye!!
I SUPER LOVE THE WAY YOU TALK!! IT’S SUPER ENGAGING THANK UUU LEARNED A LOT
Awww ty ty💕💕
We need more contents like this! Clear and comprehensive! Thank you.
Aww ty paul!
Tbh, walang halong keme. Pinush ko na talaga ang pagkuha ko ng cc because of your vlogs. Very informative at hindi nakakaintimidate. Yung tipong may friend ako virtually na napapanood ko sa youtube dahil sa very friendly ang approach.
Thank you Jax. You are my inspiration to be more responsible in spending. *sending you a virtual hug 🤗💖💖
Awww thank you so much Marlene!! Yes ganun lang ang peg natin parang friends lang.
Aww thanks so much for the kind words!! :) 😍😍😍😍😍😍
Hugs!!!
true
@@christine_notchristina ❤️❤️❤️
i have been waiting for this kind of video tips sa youtube good thing nag appear videos mo sa FYP ko sa tiktok nakita ko to. Thank you so much !! ❣️❣️ more power !!
aww yey! thank you!
Hi! I always send your videos to friends and colleagues. I even add them to our kaskasan group. Super dami ko nallearn. Thank you for educating Filipinos sa credit cards and finance stuff.
awww thank you so much!! :)
Omg Jax thank you so much for this discussion. Eto talaga yung mga questions na gusto ko na itanong sayo.
Yey!!! Sakto!! Thanks for watching nas!!
Nice vlog.Lots of learning❤
It’s already June 2022, I just found your videos and I really appreciate you educating people how to be responsible financially :-)))
Aww thank you Danielle!! :)
This is very helpful! Ang daming nasagot na question! Love it!
Superb! Di ako inantok dito.. Grabe ang energy level kung mag explain. More powers!
Awww ty naman po 😍😍
Nun mga nakaraan na buwan wala pa akong CC habang nanunuod sayo, ngayon meron na hahaha. Thank you po! You've been so helpful talaga. Ang daming tips na pwede makuha from you lalo na sa mga 'newbies' sa credit card.
Tsaka bet ko yan mag meet and greet tapos chikahan lang hahaha.
Aww!! Yey! Glad na meron ka na rin CC!! Use it wisely a!!!
Oo naku in better times chikahan na meet and greet!! :)
I am really happy that I stumbled upon your channel! As a starting adult??? HAHAHA I recently got my first ever credit card and I always always take into consideration everything that you say hahaha like you're my tita talaga! I was just wondering if you can share any budgeting techniques? Do you have your own excel file ba ganon AHAHAHA how do you keep track of ur finances! Not sure if you already have a vid on it. I mostly watch credit card related vids on your channel hehe more power!!!
Hi Dianne!! Aww thank you so much for taking the time to leave a comment and watching my content! I do have a related video posted around Jan this year on how I manage my finances but its not really indepth though hehe. :)
Baka I can create one soon!! :)
P.S. Welcome to the adulting life!!
Hello, This is my first time here. This is very helpful and I find you very authentic in sharing your experience. I mean you sounded very natural and genuinely caring. :) Thanks for sharing your time with us.
You are so welcome!
Thank you for this! Malinaw ang pagka-explain and based on experience ✨️
Hi. One question, would it be possible to pay in advance for the item bought? Like I would want to pay the amount for this month plus the amount for the next month. I work on ships and sometimes I don't have access to internet to pay on a monthly basis on time. Thank you. :)
Yeah pwede so parang may credit ka na sa card mo na yan so parang sa next bill mo may sobra kang payment which imiminus nila sa total due mo
Hi, can I request if you can do a review on banks that offers secured credit cards as well as no annual fee perpetually? Looking forward dear. Thanks and more power.
Alvin! inunuhan mo ako but yes the secured credit card vlog is coming soon!! :)
@@JaxReyes_ thanks. Sana makagawa ka ng secured cc na may lifetime free annual fee. Yung iba kasi may catch para makakuha ng lifetime free annual.
@@alvincruz4821 madali lang boss mag reverse ng annual fee basta secured credit card. call the bank once the annual fee reflected in ur statement of account
This is the most entertaining and informative video i've watched about credit cards. I really appreciate this video
awww ty james!!
First Time CC user here. Its very informational,
“Tinimbang ka, ngunit kulang” 😂😂😂
Whahhaha korek!! :)) Yung lumang film whahhaha
hello! just an idea for your next video or series of videos, I think sharing like on of the best deals promos for each credit you own for every month would be a good content, you can have a consistent upload monthly for this and I would definitely be looking forward to those videos.
Aww thanks for the great idea Mono!! 😍😍😍
Hi, new fan here. Gusto kong sabihin, "Where have you been?", I'm glad I found out about you and your advices/lives on Tiktok, then I subscribed when I watched you here on YT. Appreciate your financial advice, the real-world (or hypothetical) examples especially because I'm deciding na which first Credit Card I should get. This particular video on "Installment" is so important. Sana maraming pang fans ang maka discover sayo. Godbless you and thank you for saving our wallets!
Awww ty so much Mark!!
You just gained a new subscriber.. Kaka aliw natuto kna parang nakikipak chickahan ka PA sa tropa 😘 more power!
Aww thank you! True ganun dapat ang vlog hahhahahahaha
May option po ba na dagdagan mo ang babayran mo beyond the monthly plan? i.e. instead na 2k/month as planned, 4k ang ibabayad ko for this month then next balik sa 2k? I mean para lang mas mapablis matapos? Ty po sa sagot. 😉
wala its really per month talaga. hindi siya pwedeng advance
Question po.. just in case may installment ka, 6000 divided by 12 months then your credit limit is 20K. Any idea about the CC Utilization?
- Is it 500/20K utilization per month? meaning safe ka sa utilization rate per month since monthly balance over credit limit ang pag calculate?
- Or 6000/20K first month, 5500/20K second month, 5000/20K 3rd month and so on ang utilization rate? Like it's basing on the total remaining balance divided by credit limit?
Just need to understand so I can wisely build my credit score. Salamat po.
The second one. So kung whatever is remaining sa total installment balance that will be deducted sa credit limit pa rin. :)
Dami kong natututunan sa video mo as a first time credit card holder. Thank you. ❤
aww thank you!
Thank you po, clear and concise ang explanation kasi first timer here then need ng CC kasi walang pang cash at, hindi aware sa importance and how it works. God bless po.
Now ko lng to nadiscover , much much appreciated lalo pat first time kong magka credit card hahaha mejo naooverwhelmed ako , more infos to come ❤️
Aww thank you!! Yes, more videos to come!!
Super insightful! ♥️ Thank you so much for these tips especially to me na first time magka credit card.
yey glad nakakatulong!
Very informative!! Kudos to you Sir. I'm about to get my first CC I'm quite nervous but since I stumbled upon your channel, I think I have the confidence na to get a CC. Thank you so much!
Awww thanks Abegail! Yes wag matakot lang!
What cc did you take and what for purpose you use po.. Asking for opinion lng po?
I love it sobrang detailed.. sinagot mo na lahat ng tanong ko. Thank you sa info 🤗🤗👌🏻🙌👏🏻
Aww thank you An Ne!!
Thank you, Jax! Got my first credit card last week. Dati takot na takot ako sa credit card because of you naliwanagan ako. 🥰
yey!! glad nakakatulong
Reyna ng installment promo😂.. di ka nakakabored pnoorin pramizzz🥰
very informative😄.. very helpful lalo na sa katulad ko na newbie sa credit card.. thanks 😇
Aww thank you Florachris!! Glad nakakatulong ako 🥰🥰🥰
Hay salamat! All my questions has now been answered! Thank you for this great video! 😇
aww thank you!! :)
I really like your explanation. It helped me a lot since I'm a first time credit card user. Thank you so much it's very informative ❤️
yey!! glad it was helpful!!
Your videos are helpful and not boring. Subscribed agad2x ❤️
Aww thank you Pearly!!:)
Hi Jax , I learned a lot about Credit Card, super worth it watching your video ❤
awww thank you po!!
Thank you for this video kuya jax!! More power ❤
Welcome Ronald!! :) Thanks for watching too!!
Very informative video. Lahat ng tanong ko na hindi mahanap sa Google nakita ko rito. Thanks and more power
Awww ty
Awesome. Thank you for spending time in creating these informative videos 🥰
awww thank you too!!
You are soooo articulate!! I loved how you explain things out.❤
@@tjytpremium8753 aww thank you naman po!! 😍
I am Getting to love you Jazz! I really loved your energy and the knowledge it will help us a lot! Keep Going!! New Fan Here!!
Awww thank you so much!!!
Thank you, jax! Your content was very helpful. ❤️
Aww thank you Ms. Yang!!
I wanna get credit card but after watching this I got a lot of ideas ❤. Thanks for sharing us❤
I love your expressions... feel ko friends talaga tayo kapag nanood ako ng videos mo. I am learning a lot. :) :) :)
yey!! hehehe
Thanks Jax! Very helpful ito sa mga newbies. Keep it up!
awww thank you po!!
hi jax :) i always love watching u.. so interactive
Awww ty rhay!!
Ang ganda ng content mo Jax..Thank you dami ko natutunan lagi 😍
Aww thank you denden!! Happy nakakatulong!
Ito na answers sa mga questions ko. Thank you, Jax!
Thank you, Jax! You answered all the questions in my head 😅. New subscriber here. ❤
yey! welcome!!
Sobrang thank you po sa mga tips and yung explanations niyo po sobrang linaw and helpful. I just got my credit card and very much new to this. And I really want to learn first bago I make my first purchase. Thank you so much for this ❤️
Aww yey! Glad nakatulong po!
It really help for me as a first time credit card holder. Thank you so much to you.. 😊
aww yey! glad it helped! than kyou!
This video was definitely great, got a lot of ideas and more knowledge how installment works. Keep pushing 😁
Aww thank you Mhaye!!
@@JaxReyes_ no i should thank you, i was hoping to call the bank for these inquiries but this vlog really was informative. Love it ☺️🌻
Hi Jax thank you for your videos🥰 marami akong natututunan. Ikaw po palagi pinapanood ko since nagkaron ako ng cc🥰
awww thank you so much po!!
Thank you for explaining it so clearly!! 😊😊
Nice videos 👍 dami kong natutunan. More videos pa po 👍
Napakarami ko pong natutunan, maraming salamat po😊💕
I'm about to buy an iPhone 13 Pro today. I've learned a lot especially how the CC installment works. More videos to upload! Godbless. 🤗
thank you!
Im so lucky I see this video . Super galing mag explain . Sobrabg thank u feeling ko tloy ang dami kuna din alm hehehe
Awww salamat po
This answered questions na nahihiya akong itanong. Thank you for this 😊❤️
Aww thank you! Glad nakatulong
hi Jax, thank you for this video I learn a lot from this. New credit card holder kasi ako hehe god bless and keep safe!!
Yey!!!! Glad nakatulong
Super love it🥰 ito tlga sagot sa tanong ko ❤️
Yey welcome!!
Sa dami ng pinanuod kong video about this topic, sayo ako sobrang natuto. Feeling ko may online kaltok ako sayo kapag mali ako ng desisyon sa paggamit ng CC in the near future. HAHA More powers! Will be subscribing and binge watching your vlogs now!
Aww thank you sheila! Glad nakakatulong ako!! :)
wow nice content Jax. learned again. Thanks
yey!! Thanks Judge Sia!! :)
Omgggg this is what im looking for HHAHAHA thats why hindi mag push thru!! Tysm! So helpful
🥰🥰🥰🥰🥰 welcome!!
haha, sobrang aliw manood sayoooo! tawang tawa ako sa "tinimbang ka ngunit kulang." Always, very helpful hacks! Thanks
Whahahhaahhah!! Aww thanks dez!! ❤️❤️❤️
I love the way you teach.. easy to understand lang kaya subscribe na kita ❤
aww thank you jeriel!
Very informative and helpful tips… Thanks Jaxz
yey! thank you!!
Very informative! I was planning to purchase an IPad yesterday sa power Mac but I contemplated deeply if I am going to avail installment or not which I decided not muna because Maybe you have one video that can enlighten me about installment via credit card and I thank you for your substantial blog. I now have a decision 😅 more power
It helps me a lot..thank you Jax &Jaz
Thank you for the content! it answered my questions. keep it up.
awww ty dondi!!
This is my first time here. Thank you for the ensight.👍
welcome!!
Thank you very much! Very informative videos lage sissy!! 🙏🏻🥂
awww ty too nicole!!!
Hi Jax, thanks for answering my question about the cc limit for installment. Iniisip ko talaga na since monthly installment naman yun lang mababawas 🤣 but thank you na clear na yung tanong ko.
Aww welcome! Glad nakatulong ❤️❤️
Wow.. Nung kailan lang nagdadalawang isip ako kumuha ng credit card hehe pero dahil sayo nagka idea ako about it! Ilang videos mo na napanuod ko. Now i have the courage na to get a credit card. Salamat sa knowledge. May fear na kasi ako gumamit ng debit card daming scammer e mas safe kapag credit card.
Galing... Pina nuod ko talaga ng full. Thanks sa info.
yey!!
very informative and comprehensive thankyouuu ✨
i really like your channel! subscribed! ❤❤
thank you po!!
Thank you po.
Ang galing niyo po magexplain 🥰
Aww thank you!!
Hi Jax, Thank you for this video super helpful. Hulog ka ng langit😂😂😂😂
welcome po!
New subscriber po ako. Thank you so much, marami akong natutunan about sa tamang pqggamit ng cc.
yey!!!
Thank You for sharing this Jax, may ina eye ako na phone right now and I'm torn between making a straight payment or installment. So sad wala pa ako CC ni BDO sana ma approve soon kasi so far talaga sa mga nakikita ko dn sa mga stores si BDO talaga madami pakulo. Kaya love na love kita pag dating sa mga CC best practices mo. Medjo matagal ako d naka view sa videos mo because of work and family but I'm so happy to see you. Dumadami na viewers mo and I'm proud to say na isa ako sa mga OG ng channel mo :D Take care.
yey!! oo I remember you're one of the OG nga Charyl! Yes, pwede mo intaying yung CC mo para diba at least pwede installment yung phone kasi mas magaan talaga siya for us. hehehe :)
meron ako bdo pero hindi din siya beneficial sakin honestly kasi mostly maximum installment term ni bdo is 24 mons lang unlike bpi, metrobank, hsbc and citi which is kakabalik lang nila ulet sa installment scheme.
@@savage_0217 ok ngayon boss 24 months
Thank you so much po this is super big help as a beginner having credit card
Waiting for this topic po sa videos nyo. Thank you po for this 👍
YEY!!! Welcome Jose Karlo!!