Things I Wish I Knew About Credit Cards | Adulting Tips
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- čas přidán 3. 07. 2024
- Credit cards can be your best friend or your greatest enemy. In this video, I'll share 3 tips I wish I knew before getting into credit cards. These are very basic tips if you are planning to get a credit card or manage your credit card debt. If you enjoy these kinds of adulting tips, leave me a comment below.
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credit cards, credit card tips, credit card hacks, adulting tips, credit card adulting tips, things i wish i knew about credit cards, things i wish i knew getting credit cards, adulting, thats so nik
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What's up guys! It's Nik. I'm a young working professional documenting my life surviving and thriving as an adult in the Philippines. 💁🏻 Let me take you with me in all my crazy adventures and travel escapades! - Jak na to + styl
Agree!! "It made me more responsible adult". 😁
Yas gurl! 🙌
Thank you for sharing this!
You're welcome 😍
Thank you so much. I needed this ❤
Happy I helped!! 🥰
“Two-faced B” SAY IT SISTER! SAY ITTTT!!!!
Love your vlogs!
New subbie here! Love your videos straight to the point! Keep it up girl🧡
Thanks for the info Nik! 😊
You’re welcome!!
Love this content! Thanks for sharing Nik. Stay safe and stay healthy always.❤️
Thanks po,, straight to the point, perfect for a newbie like me, im planning to get credit card for application purposes and i don't know what's on it.
Very helpful po. Kakatanggap ko lang kase ng credit card ko today kayo pinanood ko ito. Thanks for sharing!
Very.very. helpful po.kakatanghap ko lang kese ng card ko today kayo pinanoodko ito thanks for sharing!!.
I'm 22 yrs. old, and i think this video is a must watch for all young professionals. I learn a lot from those 8 mins. I was planning to apply for credit card, and this gave me a lot of useful tips. Thanks so much!
Thanks Moran! Glad I helped! Also, I would like to feature your comment in my website to serve as inspiration for others who are also in the same personal finance journey. Would you be fine with that? ☺️
@@ThatsSoNik sure, very fine with that ☺ best luck to you, cheers!
thank you for the tips! really helpful 🥰
Yay! ❤❤
Helpful :) thank you
You're welcome, Aly! Which tip resonated with you most? ☺️
@@ThatsSoNik good credit standing 💯 Still undecided which bank offers the best though 🤣
@@alyfab3677 good for you! I’ve always preferred BPI cause their app is so user-friendly so I can easily access my funds and pay bills
Your video just appeared on my recommendations and watched this until the end. Was happy with the content so I visited your channel and saw that you have a lot of adulting & productivity contents. SUBSCRIBED coz of that. Konti lang kaso mga Filipino vlogger that talks about adulting, current fave ko is si Thea Sy. Will binge-watch your vids! ❤️✨
Thanks so much 😍 More adulting vids to come!
Hay may nakasagot din ng gusto kong marinig, regarding sa “cut-off”. New cc holder po. Thanks po! 😊
thinking of getting one but the probinsyana in me always pay things in cash 😅😅😅 which is a good thing tho. I can sleep peacefully every night knowing that i don’t have problems with money etc. it’s also good practice to want & get something that’s within the budget too BUT it can be extremely helpful for those working people getting paid every 15 days of the month so they can budget their salary otherwise it isn’t helpful if a person doesn’t have self control & who spends way too much to what they’re actually getting from their salary! 😅
I rarely pay cash na! Having a credit card actually helps me keep track of my expenses since i can see it through the mobile app too :) Highly encourage as long as you can really manage your expenses and salary hehe
Natatawa ako kay ate. May hugot. Haha. This video is informative. Thanks.
Thanks for watching ❤
Bago lng po ako s credit crd- cguro 3months n ako user ng rcbc flexi visa 40k credit limit un mga nakraan 3months ko po i alwys pay in full- nattakot po kse ako s installment
I agree. I have credit card for 5 years now. We always pay in full so right now that we are past due for 2 months but always paying more than the minimum payment they are not charging us late fee. And always took advantage the installment option. Good thing about credit cards compared to home credit is that credit card is almost always 0% installment.
Perks of credit cards 👌
True. Sobrang laki ng interest ng home credit
Can you do a review for Amore cashback credit card?
I just got my credit card past days, and it is my first time also using it... gusto ko yung installment method mo, lahat ba ng credit card puwede for installment or meron talagang intended dun?
I would like to ask if i purchase a gadget for example that's offers an installment payment using a credit card.
Does the bank pay for the whole gadgets price?
Or are they also paying the seller gradually?
Deciding if i'm applying for one or not. Been working for a year, I can say na kuripot talaga ako pero i'm scared pa din to get one. Thank you for this video.
I'd say quite difficult to get a credit card after working for a year palang since they need to see a substantial credit history. I got rejected sa 2nd year ko ata until the bank actually reached out to me na on my 3rd year working. Hope that helps!
My bank gave me one and I didn't even apply for it.
Before I had my first credit card, I was so hesitant to apply coz I’m not sure if I am able to control my self from swiping. However, due to curiosity and I also want to test my spending capability, I applied my first cc. Eventually, di naman ako namulubi coz I always make sure to pay my bill before the due date. It taught me how to be financially responsible, assess expenses and to control control control.lol
Amen to that!
thank you ponsa info😘
Next video content naman po if ano ang best credit cards for first time po na kukuha ng credit cards. Please po? Thanks.
I would suggest the bank where your payroll is enrolled. I got started with BPI for my credit card cause thats my payroll is with BPI too. Much easier to transfer/manage your money :)
Clarification lang po, how does installment differ from full payment? Bec you have mentioned that dapat full ang payment, pero you also mentioned that you got installment for your headphones. Do you mean to say ba na full payment yung mga expenses na hindi rendered as installments??
hi maam. Nice video. very informative.
I have 1 question po.
What does it mean if nagText si BDO about Credit card
Total Statement Balance: PHP -200.30. Min. Due: PHP 0.00
thank you in Advance. 😊
Pag nag open po ba ako ng BPI Pamana Savings with insurance , ay qualify na po ba ako magka credit card?
I mean pwde po e installment ang credit card?
question po bkit declined ako sa cc pero approved nmn ako s personal loan s BPI is there a reason about that? curious lng po.
Magkano ba annual fee ng bpi blue mastercard?ty po
Hi ate Nik! is the credit bill will be automatically paid at the end of the month in your account or you really have to call them?
Hello Sophia! It's automatic based on your cut-off date. You will receive a billing statement indicating all your due expenses.
What credit are you using po? And how many do u own? Thank you! Great video btw💖
Hi Isha! I have 2 BPI credit cards with 2 different billing sates. I shared how I monitor this effectively on a separate video about budgeting through my credit cards 😊
@@ThatsSoNik thanksn
Where should I get my credit card?
Hi po. Pwede po kayo mag apply online ☺
😁👍🏼
Hi po. Paano mo malalaman na installment sya? Like sample sa globe or mga appliances lang po ang pwd e install?
Depends sa store sya usually or how big the item. I usually ask. Like SM usually has 3mons installment for purchases 5K and above.
I remember watching this last year, tas wondering will I able to get a credit card since no more allowance from my dad and I'm working for myself as in all hahaha. Then for my bday I applied tas after 10days na walang balita I was approved now I'm back again with what ifs haha. #ubvisagold
Hi Karla! Your credit card could be your BFF if you use it right 😉
Tanong po . For example nag swipe ako ng card for installment let say 10k for 6 months . Na maximize na ba nun yung credit limit ko? What I mean is for example may 30k credit limit ako . Nag swipr ako ng 10k worth installment for 6 months . So meaning po ba 20k nalng credit limit ko? Hehe new credit card user here . Thanks for answer
Yes correct. You will max out your credit card limit na for that month even if it's paid in installment.
can u stick to one language..😭 dont understand
Hi, new subs hir, planning to get cc, san mo po makukuha ungbilling statement po? Is that coming from via email?
You can set up po. I did do email po but I'll ask for paper statement din
I hear English and what's the other language?
Filipino / Tagalog :)
Ano po ang credit card mo mam
BPI
Credit cards is good, ok, helpful. Just don’t buy things you cant afford. 😌😌😌
Hi! im 18 years old, can i apply for the credit card?
I would suggest try to apply on your 2nd year working cause the bank needs to see your credit history based on your payroll you're getting from your employer :)
MJC yes I recommend watching my free video on ig iampreciousthompson and download my ebook
www.smashwords.com/books/view/904822
Planning to get a cc magkano kya maximum credit limit para sa baguhang tulad ko? Responsible nmn aq sa mga bayarin especially sa 5-6, no choice eh minsan d maiiwasan. Plano ko sana kumuha flagship phone that offers 12 or 24 months installment plan with 0% interest, do you think wala talaga hidden charges yun? Minsan iniisip ko malaking kaluwagan pag installment lalo na pg 0%. Gusto ko lng maliwanagan regarding cc. Thank you sana may sagot.
I know it depends on the bank po, some offer 20k-25k starting for first time creditcard holder.
I have a question. 1st timer cc holder here. Pwede ko bang bayaran yung 10200 na pinang grocery ko this month a head of time. I mean every week mag pay na ako ng 2k every week para lang pag dating ng due date ko less 10200 na lang ang babayaran ko? Please elighten me. Thanks.
Hello po, naitanong nyo po ba yung T&C's ng pinagbilhan nyo when it comes to CC? Ang sabi ng friend ko, kapag 5k + na ang pinang grocery mo, may mga installation promo sila..
@@buladasako I heard meron ngang ganun. Pero di ko na na tanong eh.
@@buladasako sa SM ba yan?
@@nathalinesheen5678 yes po.
Dpende sa issuer mo. Kasi yong iba may charge pag early payment. Really
Yung credit limit po ba yun yung babayaran mo every due?
Nope. Credit limit is the maximum amount you can use your credit card for. What i pay on the due date is just what I spent using my credit card.
@@ThatsSoNikgusto kong magkaroon ng CC para magamit sa online installment pay or home credit. If installment, kung ano lng din ang monthly installment payment sa online yun lang din ang mababayaran mo sa bank?
@@riffyraffles48 I havent encountered pa having an installment option when using my credit card online eh. Straight payment lang usually unless monthly subscription kinuha ko
Hi
Hello
@@ThatsSoNik ang ganda mo
@@SWERTRESHEARINGTODAYS thank you ☺️
Sana yung na-capture ng video is up to the waist area. 😁👍
Hahahaha
pa pack namn po please
puti ng kilikili. sexy