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NoyFinance Vlog
NoyFinance Vlog
NoyFinance Vlog
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Hi, I'm Raymond Crisostomo, a personal finance advocate.

NoyFinance is a channel that talks about money making, investment, and personal finance for the Filipinos locally and abroad.

On this channel, I will share my experiences as a home-based entrepreneur, freelancer, and a family man.

I will also share my struggles and accomplishments in the hope of providing guidance and inspiration.

If you like videos about personal finance and how to get better financially, consider subscribing to this channel.

Have a good one :)
Credit Card Mistakes to Avoid - Credit Card 101
11:19
11 месяцев назад
Credit Card SOA EXPLAINED!
11:10
Год назад
Комментарии
@jocellepagadora6905
@jocellepagadora6905 4 часа назад
Sa UB po pag di na spend yung 20k automatic may annual fee right? Pero is there any way para ma waive po? Thank you so much. Na stress na ko hahaha Baka decline ko na lang after ma bayaran lahat.
@alfredoagbasjr3373
@alfredoagbasjr3373 День назад
Atome? Nkaka build po b sya ng credit score honor kaya sya ng ibang credit card after 6 months kong mag upgrade?
@SherylGraceB.Pascual
@SherylGraceB.Pascual 3 дня назад
Worst experience ko is Union Bank. Overhyped and super hirap mag contact sa customer service. They had problems with the delivery of my CC, ako pa ung sinisi in the end, and it's been a year di pa nila naayos problem since "complex case" daw. Had to close my card. Naapektuhan pa credit score ko dahil sa kanila. I discourage any of my friends with the bank ever since.
@maryannlagurin2547
@maryannlagurin2547 3 дня назад
Hello sir paano malalaman kung kailan magbabayad sa credit card
@RainHeaven
@RainHeaven 4 дня назад
after 1 year, meron na silang hinihinging income statement
@CamilleLapuz-is2wi
@CamilleLapuz-is2wi 4 дня назад
sir paano
@hyunjinki1995
@hyunjinki1995 5 дней назад
6:01 to be fair yes online banking but customer service is not that good it’s takes ages when you visit a bank for any transaction you do The last time I went to UnionBank in Meralco Ave it took me 3 hrs for just very very simple transaction
@hyunjinki1995
@hyunjinki1995 5 дней назад
2:50 citi simplicity is UnionBank U+ (visa or Mastercard)
@lairajoyenrique8871
@lairajoyenrique8871 5 дней назад
Hi, paano po makeclaim yung welcome gift ng moneymax? I applied via moneymax link and was approved May 15 pa po, yet wala paring update sa welcome gift po.
@cherjhensvirtualclass8280
@cherjhensvirtualclass8280 2 дня назад
Need mo dw po muna mhit spending requirement n 20k then wait k lng for the gift
@jamesried6856
@jamesried6856 6 дней назад
Hello po.. my tanong lang po ako.. what if nawala ko ang existing cc ko which is citibank.. mapapalitan po ba ito ng new cc ni unionbank?
@ahnedhelcentseptony2568
@ahnedhelcentseptony2568 6 дней назад
gud day po, ask ko lng wat if sumobra yung cash advance mo sa cash limit, ano possible n mangyari? thanks po sa pagsagot
@cfm1005
@cfm1005 6 дней назад
Pangit customer service nila
@user-rn9kz2cj7c
@user-rn9kz2cj7c 7 дней назад
Bago lng ako na approved NGUN arw lng kahapon ako Ng apply
@user-rn9kz2cj7c
@user-rn9kz2cj7c 7 дней назад
Asking lang sir platinum visa KC ung skin then 15k lng ung credit card limit thens Sabi spend 20k in 2months pra no annual fee panu Kya un
@cherjhensvirtualclass8280
@cherjhensvirtualclass8280 2 дня назад
Cguro spend mo po muna lht tpos byran mo agd in full para mreplenish xa tpos spend k uli ng 5k par mging 20k
@cyrellekatemanalo6788
@cyrellekatemanalo6788 7 дней назад
hello po, ask ko lng po, straight payment po yung pagka swipe ng credit card ko, total 9200..nung dumating po yung soa 10,200 po yung outstanding balance ko tapos minimum amount due 850.. kapag po ba 850 lang binayad ko this mount, tataas pa po ba sa 10,200 yung total na babayadan ko?
@RodelGuiuo
@RodelGuiuo 7 дней назад
Anyone can answer me pls help my Credit limit is 30,000 i only spent 20,000 as per the SOA stated and upon checking 5,500 na lng Ang available credit ko sa cash advance ang tanong if na maxxed out kona Ba si Credit limit?bakit Po Naging 5k na lang yung cash Advance?
@MelSantos-vu9tp
@MelSantos-vu9tp 7 дней назад
Security Bank USA client legit
@JamimaMangking
@JamimaMangking 7 дней назад
Hello paano po kung Hindi pa inaactivate Yung card may annual fee po bang babayaran?
@hyunjinki1995
@hyunjinki1995 8 дней назад
But the thing is if you’re a regular worker guy working in 9 to 5 You can’t able to do that due to your work and we know it takes ages for you to get entertained I hope can offer that also thru online as well so that while applying you don’t have to get out or be absent on your work just for that special banking day
@mit.guy711
@mit.guy711 10 дней назад
There's this free-for-life (FfF) annual fee card with a catch: autoconvert to installment on purchases equal/above Php5K. And you cannot opt-out even if you wanted to. How about UB visa card na FfF din? Any similar cons?
@nashlopez5107
@nashlopez5107 12 дней назад
ngagamit po ang credit cards sa pgbayad sa utang din sa banko
@vernna7105
@vernna7105 12 дней назад
Hello po. Ask lang po kung pwede na magbayad ng paunti-unti kahit wala pang Statement of Account or Due date? Thanks po sa sasagot.
@jovenlupan
@jovenlupan 12 дней назад
Paano kung sobra Ang naibayad
@WhenceeGustilo
@WhenceeGustilo 12 дней назад
about po sa paydirect ninunionbank may nakapag try na po ba dito
@ygg1995
@ygg1995 13 дней назад
ask lang boss newbie lan pwede ba magamit to sa phone meron kasi ko 20k limit. pwede ba magamit lahat un panbili ng phone?
@archygg
@archygg 13 дней назад
pwede gamitin credit card pambayad sa phone meron kasi ko 20k limit baguhan lang din ask lan kong pwede lahat magamit un?
@archygg
@archygg 13 дней назад
ask lang boss pwede ba gamitin to pagbibili ng phone meron kasi ko 20k limit. pwede ba magamit lahat un pambilo ng phone?
@germanagulto1125
@germanagulto1125 13 дней назад
pano kung may utang ako sa citi credit card,
@orlandodelachica770
@orlandodelachica770 13 дней назад
Anong Unionbank credit kaya po sa first timer magkakacreditcard?
@iamhopper6552
@iamhopper6552 13 дней назад
Kuya ang napansin ko yung Pc monitor mo na white, anong brand yan?
@wenilyntoyong9159
@wenilyntoyong9159 13 дней назад
Bdo din ako
@aubreysomoza
@aubreysomoza 14 дней назад
Hi po. Question lang po: with the Unionbank CC, when will the 60-day window of spending 20k for the annual fee to be waived start po? Is it when you activate the physical card, activate the virtual card, or the moment you were approved? Thank you so much for the help.
@shiecares
@shiecares 4 дня назад
mag start po ang 60 days counting kung kelan kayo na approve po. pwede nyo po I check ulit yung email nyo or call kayo sa Customer Service.
@angelocapiral3426
@angelocapiral3426 15 дней назад
Tagal sumgot ng cs nila grabeh
@alienman308
@alienman308 15 дней назад
I actually stop using UB/CITI after migration ,sobrang hirap tawagan ng cs, na downgrade talaga,nawla na din yung napakaraming promo ni citi like yung mga egifts for spend anywhere
@HanlimBrothers
@HanlimBrothers 15 дней назад
Waiting for the best credit cards of 2024 lodi. Thanks
@dongcrypto7997
@dongcrypto7997 15 дней назад
need to research more po, talo ang CS ni UB...
@LeleyIska
@LeleyIska 15 дней назад
Nscam ako 6years na ako may credit card wla silang details ko.0 credit score ko sa apps nila.sayang yung binayad ko na 149 pesos hahhahahaha
@lowkeygaming4716
@lowkeygaming4716 16 дней назад
Customer service needs to be considered din. Ang dami ko nababasa sa FB na sobrang lala ng CS ni UB lalo nung na acquire nila yung citi
@eradovan21
@eradovan21 16 дней назад
maganda nga sya kaso bulok ang CS. 1 hr bago ka makakuha ng rep
@RaymondSarlatan
@RaymondSarlatan 16 дней назад
Paano malalaman yon credit card pin ng HSbc credit card
@truytayaba2415
@truytayaba2415 16 дней назад
Mahirap sir tumawag sa UB. (Mga 4-14hrs waiting time)
@danij5337
@danij5337 16 дней назад
Hi sir, question lng po I have citibank card and d po familiar masyado sa pag gamit nito, since wala na po ung citibank brand, how to pay po ung bill ko? If gcash po ang gamitin ko union bank na po ba ang need piliin para bayaran ang bill ng citibank? Tia
@christiankhallel424
@christiankhallel424 16 дней назад
Kahit may account sa UB hirap naman ma approved..
@oineza2
@oineza2 16 дней назад
Kuya Raymond, separate ba limit per card kay UnionBank o shared?
@PineappleOnPizza69
@PineappleOnPizza69 16 дней назад
Unionbank lmao. One of the most hated cards sa kaskasan buddies.
@NoyFinanceVlog
@NoyFinanceVlog 16 дней назад
Apply for a Credit Card and receive a Welcome Gift: bit.ly/noyfinancecreditcardlinks
@user-rn9kz2cj7c
@user-rn9kz2cj7c 18 часов назад
@@NoyFinanceVlog sir pd ba ako mg tanung panu po mgbyad sa union bank Ng cc kng d pa dumarating ung physical card ko, Ang giangmt ko lng online is ung virtual card ko pahelp namn pod first time ko KC sa union bank mgbabayad sana ako pro wla nmn akong savig account sa knila credit card lng meron pro ung card d pa dn dumadating
@leonarduy4519
@leonarduy4519 16 дней назад
Thank you po for this videos
@linalacsina5357
@linalacsina5357 16 дней назад
sir ask lang po kailan po babalik nang 30k credit limit uli yung cc po need po ba mabayaran muna lahat nang na swipe mo bago babalik uli nang 30k salamat po