Answering Frequently Asked Questions about Credit Card for Beginners

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For this weeks video, I'm going to answer some of the Frequesntly Asked Questions about Credit Cards. Particularly questions from beginner credit card holders. I picked Top 10 FAQs from our comment section, FB page, and FB group and answered them in this video.
We know that Credit Cards, for beginners, are very confusing because of its technicalities.
Here are the questions:
1. 01:03 Do I need a savings account to apply for a credit card?
2. 02:22 Is there a Credit Card for students?
3. 04:18 Can an OFW apply for a Credit Card?
4. 05:14 What happens if I don't activate my Credit Card?
5. 06:35 Do I need a Credit Card PIN?
6. 07:26 What happens when my Credit Card expires?
7. 08:19 How much is the credit limit of this Credit Card?
8. 09:34 I have a Secured Credit Card, when can I get a Regular?
9. 10:25 When is the Due Date of my Credit Card?
10. 11:45 Will I still receive a SOA even if I didn't use my Credit Card?
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✅ CREDIT CARD RECOMMENDATION:
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We'll help you identify the NEXT Best Credit Card for You.
*for existing Credit Card holders only.
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If you have questions, feel free to contact me at:
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Thank you guys and God bless!

Опубликовано:

2 авг 2024

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Комментарии : 73

@pearldorschner4560 2 года назад

Hi Sir Noy. Thank you for this video.. Nag iisip ako mag apply for cc and thankful ako dhl nkta ko mga vids nyo sa YT explaining things about CC. God Bless po always and already subscribed na po sa YT nyo.😚

@vincentrubio6022 2 года назад

Welcome back, Sir Noy!

@NoyFinanceVlog 2 года назад

salamat :)

@Fahdingding 2 года назад

Welcome back sir Noy.. ☺️

@NoyFinanceVlog 2 года назад

Salamat :)

@iamziano 2 года назад

Welcome back, Sir Noy 💯😆

@NoyFinanceVlog 2 года назад

super happy to be back :)

@macarechannel8991 Год назад

Well said

@NoyFinanceVlog Год назад

salamat po

@nicajanereambillo1299 2 года назад

I'm new to your channel nagbibinge watch po ako ng vids nyo about cc. Thabk you po.

@NoyFinanceVlog 2 года назад

Wow salamat 😍

@elizabethalbacite Год назад

Sir bka pwede ka mg vlog regarding bdo instalment mastercard po

@MelanieSibal 2 года назад

Sir, pwede ba mag cash advance to my new bdo shopmore Cc po?

@restigarcia6044 2 года назад

Hi po sir noy Asan po ba makikita yung account number ng BDO credit card?

@MelSantos-vu9tp 13 дней назад

interested

@nomertabligan5116 Год назад

Sir Noy , gud pm

@NoyFinanceVlog Год назад

yes po

@kurisuchiinu1206 Год назад

Ah buti pala pinanuod ko to. Nagsisisi kasi akong pinacancel ko yung nareceive kong credit card sa takot ko na may icharge sa akin (during pandemic nangyari to). Ok na din pala pinacancel ko, yun lang di ko na mapapareopen.

@NoyFinanceVlog Год назад

glad to hear you made the right choice :)

@MelSantos-vu9tp 13 дней назад

Security Bank account cash flow legit claim Credit cards

@sapphire1548 2 года назад

Hi po! Ask ko lang po kung paano po ba na dedecide yung monthly installment sa credit card mo kapag bumili ka ng item?

@NoyFinanceVlog 2 года назад

hello what do you mean pong paano na dedecide? ikaw po bale ang mamimili nun kung ilang months

@marilynoraye5452 11 месяцев назад

No it's mahirap for OFW, I got mine in the easiest way

@NoyFinanceVlog 11 месяцев назад

pa share naman

@margeh761 Год назад

Hello po! I'm anew subscriber. May question din sana ako, so recently I got an approved application for a credit card from bpi. I have no account with them that's why I was shocked na na approve ako. So my question is does being a good payer from lending companies like home credit, helps with your credit score? Thanks

@NoyFinanceVlog 11 месяцев назад

not all lending companies submit report sa CIC, im not sure lang kay home credit pero tingin ko si home credit yes.

@imiss_you 2 года назад

Kasama ba si Titanium cards sa Elite cards sir? Yan kasi gamit ko eh.

@NoyFinanceVlog 2 года назад

actually depende eh. mejo nagagamit na kasi loosely yung terms . meron kasing mga titanium na card na talagang mataas ang requirements para makuha. meron din parang sa metrobank, hindi sya ganon kataas compared sa iba, pero mataas padin.

@jamesmasangkay5040 2 года назад

Hi Boss Noy, I have a credit card actually kakarating lang today. and I have no idea about how to use the credit card, Kasi more on debit card lang Naman ang gamit ko. Nakalagay sa credit limit ko is 20k, aside sa credit limit, may nakalagay din na "Cash advance limit" worth 6k ano tong cash advance limit na to? Medyo confuse lang Ako.. anyweis thanks Boss noy sa magiging inputs..🙏☺️

@imiss_you 2 года назад

Bali sir cash advance pwede mo ewithdraw may 6 digits pin na ibibigay sau either txt/email para makapagwithdraw.

@ruchiehong2538 2 года назад

Hi po, bago lang po ako magka-CC, hesitant lang po ako gamitin to sa online purchase like shein. Safe po ba ibigay ang credit card number, CVV and expiry date sa mga ganito?

@NoyFinanceVlog 2 года назад

number 1 make sure na legit ang merchant. like lazada shopee mga legit naman yang mga yan. pero kahit ganon make sure padin to secure your account like dapat nakaka tangap ka ng OTP and hindi mo yun shineshare sa iba.

@yuukikuran3502 2 года назад

hello po. anu dapat bayaran ung statement balance o ung outstanding balance? sana po may maka sagot

@NoyFinanceVlog 2 года назад

anong banko po

@markvirtucio6097 2 года назад

Hi po ask lang po ako what if you I use the card for 3yrs at already paid all my billing in the card if ever mag bibill padin po ba un next month kahit wala na akong bayarin or mag charge si bank kc di ko nagagamit ang card? Thank you for the answer

@NoyFinanceVlog 2 года назад

kung bayaad napo lahat and wala nang natira na installment at hindi din anniversarry ng card nyo para mag ka annual fee, dapat po wala ng ma bill sainyo.

@joanaleje1262 2 года назад

Ask po sana ako ngpplan kc ako mg apply bg cc im working abroad maaporove kya ako but i have savings acct sa isang banko sa pinas pero ang move ng pera ay puro lng ppsok wla wdrwl kc ang purpose ko tlga savings lnh at myron p ako isa which is doon pumapsok ang remmitnce for family possible po kya maapprove ako tnx

@NoyFinanceVlog 2 года назад

yes possible naman yan lalo na may savings account ka na hindi mo gnagalaw ang laman at dinadagdagan lang. make sure mo lang na yung bank is nag accept ng applicants na OFW.

@JTemperance 2 года назад

Hello sir, pwede po ba ako mgbayad ng more than what i owe? Bago pa lng po ako kay rcbc, hinabol ko po kasi ung 30k minimum spend for no annual fee for life,

@NoyFinanceVlog 2 года назад

yup pwede naman magiging overpayment lang yun na mababawas din sa susunod na cutoff mo

@natoyngapala8535 2 года назад

Sir paano po mag babayad sa install 1 time ko po kasi mag ka cc

@NoyFinanceVlog 2 года назад

Sa installment?

@natoyngapala8535 2 года назад

@@NoyFinanceVlog opo cash it easy

@ddrealtyservices6014 2 года назад

sir new card holder here, ginamit ko siya kahapon. but d ko nakita sa transaction history ko?

@NoyFinanceVlog 2 года назад

kung kahapon palang naka float palang status po non . usually 2-3 banking days ang posting

@spacewarriors5175 2 года назад

the best credit card is still citi bank. transactions are posted real time and security is very high and easily detect by the fraud team if meron pong suspicious transactions.

@nathalietabora_ Год назад

Hi po thank you sa pag gawa ng mga informative videos about cc. Ask ko lang po kung normal ba na macharge po ako more than sa chinarge ng merchant? Kasi worried ako nag purchase po ako sa tiktok shop online tapos sa order history po walang prob sa amount pero pag view ko po ng bdo olb iba po ang amount na nabawas sa cc ko. Ex: P209 po yung amount sa order summary sa tiktok pg dating po kay bdo P211 na naka lagay sa transaction history 😢 sabi ni tiktok support may tariff daw si bank ko kaya ganun

@NoyFinanceVlog Год назад

USD po ba yung binili nyo ? if galing po sa ibang bansa yung item. baka nga po may tariff tax.

@nathalietabora_ Год назад

@@NoyFinanceVlog hindi po sir pero I’ll try to contact the bank na lang po hehe thanks sa response sir

@rachelaban1332 2 года назад

hello po. newbie here. bakit po hindi niyo na consider si security bank for beginners to open for cc?

@rachelaban1332 2 года назад

papaano din po. kung kunwari may card na ko. and na gamit ko na yung limit na 20k ma max. ammount. need ko pa po ba bayaran muna eto. before ako or. continuous parin yung 20k ko po?

@NoyFinanceVlog 2 года назад

kung na max napo ibig sabihin wla na kayong credit limit. babalik lang yun pag nabayaran nyo po. compared lang sa iba mas less feature si security bank

@reyswondertv9634 Год назад

katatangap ko lang ng credit card pwede ba agad ako makapagSIP?THANKS

@NoyFinanceVlog Год назад

installment po ba?

@firemaiden1420 Год назад

Ilang amount po para ma consider installment payable.

@NoyFinanceVlog Год назад

depende po sa banko

@jamielyndianeparagas3923 2 года назад

Sir Noy meron ako secured credit card 25k posible ba na pwede ko itong ipambayad sa aking credit?

@NoyFinanceVlog 2 года назад

you mean yung secured credit card ibabayad mo sa regular credit card?

@madiskartingguro2845 2 года назад

Good pm sir Ask ko lng po my tumwag sken n BPI staff for credit card po . Tapos after how many days nakapunta po ako ng bpi branch smin kako my tumwag for credit card sbi ng manager bkit daw ako ng bbigay ng info . So kala ko prang scam po un. Ngayon my ngttext po sken annual fee ko daw po sa credit card e wla aman po akong narecieve o nagamit ang meron lng po ako is debit card lng po sa BPI. . sir need ko po ng advise . Ano po ggwin ko sbi 1700 lng tpos ngaun meron law firm 7k n po daw utang ko. Takot aman po ako umutang sa khit anong Bangko sana masagot po please sir

@NoyFinanceVlog 2 года назад

send mo sakn more information sa noyfinance@gmail.com

@dexielopez2817 2 года назад

Sir tanong ko lang po first time CC holder po ako nagkuha po kc ako ng cp 6months installment tpos nka bayad na po ako ng 3months ang gusto ko po sana epaid na ang remaining na 3months pwede po ba yon? Wala po bang penalty? Salamat po sa pag sagot po..subscriber po ako nyo sir😁 always nag aabang sa new videos nyo po☺️

@NoyFinanceVlog 2 года назад

salamat po :) pag gusto mo talaga matapos yung installment kaylangan mo ipa pre-terminate. and usually may charge yun. pero kung ang gusto mo lang naman is wala kanang iintindihin, at kung 0% naman ang installment mo, pwede mong iadvance payment tapos every month yung installment mo kukuha nalang don sa overpayment mo. i hope malinaw hehe

@dexielopez2817 2 года назад

@@NoyFinanceVlog salamat po sir sa pagsagot at malinaw na malinaw na po sa akin pwede po pala ganun nalang gawin ko advance payment...opo 0% installment nman po siya .. thank you thank you po again sir very helpful po tlga ang mga vlogs nyo po lalo na po sa among mga first timer CC holder ☺️ God bless po 🙏❤️ & more videos pa po☺️

@NoyFinanceVlog 2 года назад

salamat din po :)

@loretoabsalon7412 2 года назад

May annual fees pa Rin Po ba kahit Hindi ko ginagamit cc ko sir?

@NoyFinanceVlog 2 года назад

kapag activated padin at open padin ang account machargan yun kahit dimo sya gamitin

@goryax7279 2 года назад

May question sir what if di ko ginagamit yung credit card ko annual fee lng ba ang babayaran ko? Sana ma pansin nyo po

@NoyFinanceVlog 2 года назад

Yup as long as wlang naiwan na balance na nag interest or insurance ng card na naka enroll.

@goryax7279 2 года назад

@@NoyFinanceVlog salamat po sir noy. Laking tulong po to yung vlog mo para ma educate nang tama yung mga tao tulad sa akin.

@fatfeministwhale9341 2 года назад

I like the content and appreciate some CC content but the cheap/ corny sound effects ruin it, at least for me. Maybe try a background music instead if voice-only sounds weird. Just a suggestion!

@NoyFinanceVlog 2 года назад

thanks for the suggestion :) actually may bg music yan. baka masyado lang mahina

@MelSantos-vu9tp 29 дней назад

Security Bank USA client legit