Hi. Im working at Citibank as customer service representative US base. Now I fully realized bakit galit sila everytime meron sila late fee, deliquent, Pull up credit report (hard inquiry) whenever they are requesting for credit increase. Parang dyan nasusukat ang pag katao nila. Hehe. Next topic: Common na ugali ng mga americano. Tradition at culture.
Very informative sir. So pwede na pala kumuha ng credit card sa credit union when I arrive sa US hehe. I’m also going to Louisville, Kentucky. UofL to be exact. Waiting for ID 🇺🇸 more power!
That’s one of my major major mistake here in the UK. I thought I won’t stay here longer hence I failed to work on my CS. Well I’m planning to go to US anyways so alam ko na gagawin ko jan. thanks
It's good that you know the name of the game kabayan. It take a strict life discipline not to be a slave to the credit card slave master. I have 4 credit card but no credit card debt. I pay all of them every month so I don't carry a balance and don't pay any interest charge. My credit score fluctuate between 815 to 820. But I'm told that as long as your score is above 800 then it's treated the same as having a perfect score of 850. Kaching !!!Galing !!!
buti ka pa lods nasa 800... kauting push pa malapit na kame sa level nyo. hahaha... naka auto pay na ung credit cards namin every 2 weeks na payment para hinde mag kalimutan. hehe
This is very informative! Great help! I will be arriving in US in march meron na ako stock knowledge hahah thanks much for your vlog more power to you 💛
I just want to confirm if tama ang understanding ko. New immigrant na can acquire cc through credit union online application tama ba? Mga ilang weeks or months po upon arrival in US? can you make another video on how to do this? Honestly, hindi rin ako masyado sa loan and cc dito dito sa pilipinas. After watching your vlog its an eye opener may used din pala yung cc and loans dyan sa US. I hope to see you discuss this further in one of your vlogs in the near future. 😊 thanks Nurse Juan
@@aubreypadilla1829 hi po.... u can send me ur email and full name po sa FB page ko... 😊 normally just open the link and open an account. Upon arrival po meron na kameng CC..... mosy sa amin dito kame nag loan for the car then sabay na ung CC... 😁
Wow! As in pagdating meron na kayo agad credit card? Galing 😄 What is the name of your facebook accnt? Nurse Juan OFW also? Will pm now my details. Thank you for your help! Your making our life easier hahah God Bless you more 💛 For the car I already ordered in IAS as this was recommended by my agency. Most likely, sa cc na lang.
boss question DQ na si mrs as a nurse dyan, ako naman nurse din pero never ko na practice due to volunteer system before, question is kapag andyan na ako kasama si mrs at mag kukuha ako ng Nclex din same process ba mangyayare? and meron ka bang idea buhay/ cost of living sa florida? TIA brother
Nag visit kame sa florida.... halos same lng ung ibang gastusin like sa food and Gas.... and wala ata silang state tax if hinde ako nagkakamali.. Kukuha ka ng nex, tapos baka need mag pa cgfns process para magawa un....
Pwede po mag ask ano mga example ng credit union? DS260 na rin po ako. Going to Louisville KY. Thank u po sa mga informative topics nyo. Nawawala ang kaba ko to migrate 😊 godbless po sir 😊
Hi NurseJuan! Sir paano po kau nakakuha ng ganyang apr sa bank nyo? 3 months palang po credit card namin pagkacheck namin sa creditkarma na nasa 720 po sya. gagamitin po ba nla un kahit 3 months plang creditcard namin? big dealership po kasi taas ng apr like 23% apr parang di naapply yung credit score namin nung na prequalified kami.
Ay grabe naman yan. Hi... 😁 Wag nyo kunin yan. Unfortunately They stopped the referral system.... Try to apply directly with this link... 😁 Also, advancial has removed some of their clients recently. So check if you're agency is still connected with them. www.joinadvancial.org/
The name above help me and saved me from my student loans and all negatives on my credit profile. I highly recommend im currently with an 800 score across all bureaus
Sa Advancial Federal Credit Union ako nagparefinance Ma'am. From 7.5% naging 2.47% na lang. Natutunan ko lang din dahil sa video ni Nurse Juan about Car Refinancing.
Send me lng po ur email and name po.. para malagay kita sa referal link.. via email and online communication lng. Mas maganda mag pa refinance if medyo mataas na ung credit score mo. Mas mababa ang rate na offer.. u can do it anytime... lalo na if mas mababa ung offer na apr versus doon sa original... gaya nung sa akin, 8.5 to 4.5..
Hi po new subscriber 👍 ask ko lng po 4 mos pa lng ako dto sa US (cali) nver pako nagka cc kht nung nsa pinas pa po ako..i dont know how to start po..kung mgka cc ba ako pano babayaran? Thru may debit card po ba? Or pano ung link po na auto pay?censya na po ignorante lng..thank u in advnce sna masagot nyo po🙏
No such thing as ignorant question.. kc lahat tau ganun nung nag start. Yup, u can pay via ur debit card or checking account. Iseset up mo lng ung autopay and choose the day of the month when mo xang gustong bayaran. I have that as back up lng.. i still prefer paying from time to time manually via sa system. Have you receive and Junk mails sa mail box nyo? Usually pre approved yan. You can use that.. follow lng instructions to open the account... Or if u want ung sa advancial, email me sa nursejuandelacruz@gmail.com ung full name nila and email address.. so ican send the referral. Hope this helps. 😁
Pwede namn.. pero like i said, need mo ng credit score dito. Kaya u have to take note about sa system na un. Also, if cash ka n lng, gYa sa mga brand new cars, milliones kc ang worth nun eh... kaya usually, utang is life tlga... 😅
Nope. U dont need to. My wife was under my same credit card, and for some reason her credit scores are higher than mine.. same as the dependents for my colleagues...
Sir, regarding the credit utilization ratio, I only have 1000 credit limit. Btw, im just new here in the USA. As per my readings, to keep the credit score not harmed, I should only utilize the card limit up to 30% of that 1000. All I thought using credit card in all my finances will boost the credit score as long as im paying it on time. My question now is, since you are only using the credit card up to 10% from your total credit limit , Do u pay your other bills using the debit card instead? Sa bank of america kasi, I can transfer amounts from checking to credit account. Since I only have 1000 credit limit, nag tratransfer ako ng for example ( 2k) to pay all my finances in a month. As of the moment, my credit score in still unavailable as I'm still new ( 3month old). Please enlightem me sir juan.
Sir... thats ok lng sir kahit na u spend more than 10%.... just pay lng agad... we did the same thing and umakyat pa din namn..... basta after using the credit card, pay lng agad.... bumaba lng score namin nung nalimutan kong may pay ng isang bill. But fault ng company...
Hello @thesmalltomgammingplayer621 ask ko lng po I am a new immigrant here also in the US. Sa Bank of America din po ako ng bukas ng account then we deposited a total of $9,000 in that account ung pera po is galing sa savings namin from the Philippines. May question is madali po ba kayo naapprove nung nagapply kayo ng Credit Card sa bank of america? Is it ok to apply online before ako makatangap ng salary sa work ko? Kasi I am planning to get a credit card early kasi sayang ung mga ginagastos sa groceries and bills na pwede na bayaran through the credit card.
Yes they are.... but some of the Base Price for the cars they offer, are too much.... that is why i recommend doing the math before deciding. And check if u need that advantage that company is offering. 😁
@@NurseJuanOFW $95 po. Pero I get one night of free hotel accommodation every year with the CC. Tapos nag download din ako Marriott app so I can accumulate points with each credit card use . We travel a lot especially during summer and fall kaya worth it kahit may annual fee. 🙂
Oh noes. Dito lng ata sa pinas pwede magtanung ng libre. Huhu kaloka si teller, instead of teaching you, may negative consequence pa pla ung pgtatanung. 😭🤔🤔
