Credit Card Mistakes to Avoid - Credit Card 101

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As a Beginner Credit Cardholder, your goal is to improve your Credit Score as soon as possible. Than can lead you to more benefits and opportunities financially.
But having a Great Credit Score is not a walk in a park. You must be very careful when it comes to handling your Credit Card. Not only that you Pay in Full and on Time, you must be very careful not to maxed out your credit card as well.
There are a lot of factors that can affect your credit score, so it's very important that you know what are the Most Common Mistakes a Beginner Credit Cardholder do in order to avoid them.
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Опубликовано:

26 июл 2023

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Комментарии : 89

@NoyFinanceVlog Год назад

Watch the Credit Card Beginner Mistakes to Avoid 1st part here: ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-8gn2wzTmOUg.html

@theleoalagar Год назад

sir Noy, parevirw ng Unionbank Rewards Platinum Visa/Mastercard.

@jazzykate4263 11 месяцев назад

Hi po ask ko lang po sana dun po sa enrolmnt sa bdo digital banking apps pag po nag fil up po normal lang po na may need n cvv at expired date nandun din po. Para po sana nakikita ko ung soa Salamat po wait po sa response Sana po mapansin salamat po

@jazzykate4263 11 месяцев назад

Sana po mapansin ang coment ko para po mapanatag po ako F normal lang po na kasama sa fil up ang cvv n expired date sa mobile bankng salamat po

@GeometricMinimalist 10 месяцев назад

Thank you for this!

@annamaymusic3278 10 месяцев назад

1st time Credit Card user here..Magaling po kayo magpaliwanag salamat sa video na to❤❤❤

@jeffreylapinid4097 9 месяцев назад

Very useful thank u

@theosJuicyWRRLD Год назад

Nice one tito Rey😅

@NoyFinanceVlog Год назад

lol

@gelc9041 9 месяцев назад

As they say it is MORE EXPENSIVE TO BE POOR. Lowest rate for cc loan is .39% yan na ang lowest.

@hiyaitsdm5200 3 месяца назад

Hi sir @NoyFinanceVlog, normal lang ba hinihingi ang CC# ng mga bank representative sa mga booth sa malls. Thank you sa advice

@Aristo2111 10 месяцев назад

Sir ask lang po, pwede po pa topic naman kung pwede mag advance ng payment naka classic RCBC po ako meron kasing promo si rcbc na pwede e 3months installment yung na straight payment new subscriber nyo po ako maraming salamat

@user-tr4ny3cv9c 11 месяцев назад

First time ko gumamit ng cc nag maxing ako.

@NoyFinanceVlog 11 месяцев назад

😂

@louiepaparon1874 10 месяцев назад

Hi po,ask ko lng sir if may posibelidad ba na may magkaparehong 4 digit nang credit card?

@kategonzales8420 11 месяцев назад

Hello. Can you make a video about the best welcome bonus credit card 2023.

@NoyFinanceVlog 11 месяцев назад

pwede din :) pero mejo subjective kasi yun hehe. like a free jbl speaker may be more rewarding para sa isang tao compared sa roundtrip t ticket :)

@user-ig6ep2kv1r Год назад

sir review ka rin po ng atome

@NoyFinanceVlog Год назад

wala pakong atome eh :)

@user-iz7kc1vs2p 2 месяца назад

Kailangan po pag gusto ko lakihan credit limit ko punta ako sa branch?

@NurHidayah-sr5se 4 месяца назад

paano po if gusto mo ng ipa cancel ang credit card para di na magbayad ng 2nd year annual fee? thanks

@xorio Год назад

hello pwede po ba kayo gumawa ng video tutorial kung paano nagwowork yung metrobank convert to installments? thanks a lot po sana mapansin

@NoyFinanceVlog 11 месяцев назад

try ntn next time :)

@myrenmyst6711 11 месяцев назад

sir noy, pa suggest naman ako kung anong banko ang pag aaplyan ng secured CC. thank you.

@NoyFinanceVlog 11 месяцев назад

maganda yung banko mo nadin mismo kung san ka may savings

@astig9304 4 месяца назад

Ano po bang cut off ng RCBC credit card

@markdominicdatiles1152 10 месяцев назад

sir pano po pla yung citibank reward CC ko hindi naman dumating pero nkita ko sa apps nila may annual fee na 2500. dpat ko po ba itong bayaran kahit hindi ko nmn nareceive ung card at hndi ko nmn nagamit??

@Technician5678 Год назад

Good evening! Gusto ko sana magkaroon kayo ng topic about sa bangko na nalugi at nagsara. Paano po kung nakakuha ako sa kanila ng credit card at hindi ko nabayaran yung nagamit ko na credit card sa kanila, ano na ang mangyayari sa utang ko kung nagkataon na nalugi at nagsara na yung bangko na kinuhaan ko ng credit card?

@NoyFinanceVlog Год назад

May specific bank ba kayo na tinutukoy?

@JackKinahon 11 месяцев назад

What will happen if I pay my total amount due date before my statement date?

@NoyFinanceVlog 11 месяцев назад

before you statement date means wala pang generated na SOA. wala naman, though minsan pwedeng mag kaiba yung amount because of the posting dates

@kategonzales8420 Год назад

Pwede po ba kayo gumawa ng video on best travel miles credit card?

@NoyFinanceVlog 11 месяцев назад

ill try next time :)

@zherinakaereyes3721 3 месяца назад

Paano po pag naapproved ka sa union bank credit card this january tas ngayong april mo lang naactivate? No annual fee padin ba ?

@gelc9041 9 месяцев назад

No annual fee for all my cards for years now. They will offer options para ma waive. Please request them respectfully to waive it. PUWEDE PO many many many times na. If you are a good cc holder mag Cash 2 go ka .39 to 1% lang IF RESPONSIBLE ka.

@CashFlowConquestDaily Год назад

sir. meron bang mga credit card na pede magamit para sa pag bili nang mga precious metal local and internationally kase im a seafarer and i travel some place na mura ung gold compare sa bansa naten to fight the inflation rate . or others card can use to buy some assets

@NoyFinanceVlog 11 месяцев назад

as long as yung merchant po kung san kayo bibili accepts credit card, pwede po yun.

@jaydema-ala7348 Год назад

hello po.. ask ko lng po, if i use my japan credit card in the philippines, how about the exchange rate? kung mababa ang present value ng yen against peso, advantage po ba to use my japan cc jan sa pinas? thank you in advance po😊 God bless..

@NoyFinanceVlog Год назад

it might be offset din ng charges. kasi usually may foreign exchange charge yan. and usually mas talo ka sa palitan kasi hindi naman ibibigay sayo ng banko yung exact exchange rate. palaging may kita sila

@yukietv143 11 месяцев назад

Hi can you explain whats is total amount due Example may nabili akong item worth of 10k installment for 3months

@NoyFinanceVlog 11 месяцев назад

total amount due is the total ng statement balance mo. in case of installment, if 3months sya, every month papasok sa statement mo yung installment for 3months. so 3 statement mo sya huhulugan.

@dfantasticcreatures436 8 месяцев назад

Hi sir. Anong recommended cc ang pwedeng pambayad sa online bills, like globe, meralco, converge. and groceries? 😅. Also need po ba imaximize and credit limit mo? Thank you

@NoyFinanceVlog 6 месяцев назад

hindi naman kung dimo naman kaylangan yung bibilhin mo hehe. when it comes to bills madami naman yan mostly nga lang wlang perks yan pero for groceries madami usually cashback cards

@marifebisnar355 Год назад

Hello po.ask ko lng kung mag kano ang over spending.thnks po.

@NoyFinanceVlog Год назад

overlimit fee? iba iba yan per bank eh

@marifebisnar355 Год назад

@@NoyFinanceVlog sa bpi blue master card po.magkano ang charge sa overlimit fee.

@jeandemape1937 9 месяцев назад

Hi po sir Noy, question lang po. Kakareceive ko lang po ng first cc ko, and medyo low po yung CL sa expected. Do you think it's wise and okay to request prolly a 20% increase before I activate it po? 🙂

@joemcruz2187 9 месяцев назад

Hi po Try nyo nalang po mag call sa CS ni rcbc. For request credit limit increase.. Pero base on my experience po every year po talaga nag increase ng credit limit si rcbc. No need po mag request.. Matic po sya.

@beefylovepiggy 11 месяцев назад

1st abd 2nd month ko sa cc ko laging max out. tapos on the 3rd month dinouble ni bdo cl ko. then on 3rd 4th months almost max out uli gang nun 6th month ko 6digit na cl ko. ngayon di ki na minamax out cl ko 😅

@NoyFinanceVlog 11 месяцев назад

ganyan din nangyare sakn sa bdo lol

@natoyngapala8535 11 месяцев назад

Bakit sakin sir hiningi yun cvv ko noon nakausap ko po sa hotline ng rcbc . Nqg tanong po kasi ko kung naff po kasi yun card ko

@NoyFinanceVlog 11 месяцев назад

i dont know hehe

@pakunodapavlovic Год назад

Hi Sir Noy and viewers, question lang po. Isa lang credit card ko since 2018, classic RCBC. Pero way back eh nagkakaron ako ng paminsan minsan na overlimit charges at late payment (maliit pa sahod that time at medyo hindi pa ganun naging responsible sa CC, kahit na 30k lang limit). From 2020 up to now hindi na nagkakaron ng mga ganung charges. Does it mean po na medyo nabawi naman ang credit score? Lagi ko napong bayad in full ang CC this year. Pwede na kaya iupgrade yung CC or magpa increase ng credit limit? Gusto ko sana pataasin Credit Score since planning narin mag-car loan next year. 🙏

@NoyFinanceVlog Год назад

yes eventually mababawi mo naman din yun lalo na kung nbayran mo din naman tlga. pwede mo na itry irequest yan sa banko mo

@kurtchannel2458 Год назад

Sir ok lang po ba magmax out sa card then after days or weeks Nagbyad ka agad??

@NoyFinanceVlog 11 месяцев назад

most probably mag kaka overlimit fee padin yun

@christophertan04 Год назад

Incase po na hindi maiwasan na minimum due lang yung kayang bayaran … makaka apekto po ba sa Credit score kung minimum due lang binabayaran ???

@NoyFinanceVlog 11 месяцев назад

yes po

@edwinosuyostv85 Год назад

Sr Tanong lang po Nan po ba may barans citi bank Dito sa pinas

@NoyFinanceVlog 11 месяцев назад

anong "Nan po ba may barans"?

@edwinosuyostv85 11 месяцев назад

Citibank

@jerichodelacruz5434 11 месяцев назад

Hi Sir Noy. What if I want to use 70% plus of my credit limit pero kaya ko namang bayaran ng full on time every month. Is it good or bad? Thank you.

@NoyFinanceVlog 11 месяцев назад

for me wala namang problema. ako ng minsan namamax ko pa. though mejo hndi ok sa credit score yun.

@ali-ali67 10 месяцев назад

dito sa pinas hindi pa big deal ang credit score, basta walang late payment at di ka ma deliquent, goods na yun. maapprove na yun sa iba pang cards@@NoyFinanceVlog

@charlesdarwingomez8936 Год назад

Hi Sir, what if dumating yung creditcard kaso di naman active meaning magkakaroon po ba un ng Annual Fee? Thanks!

@cherylclamor Год назад

Wala pong annual fee basta hindi mo na activate

@dalelanto895 11 месяцев назад

Sa bpi may annual fee khit ndi mo i activate so better user it

@NoyFinanceVlog 11 месяцев назад

if hindi nyo po planong gamitin pacancel nyo nlng. mahirap na. some people snasabe nila hndi nila inactiveate pero may annual fee sila. some people namna sabe wala talaga. so better to cancel it nlng kung hndi nmn ggmitin.

@lachicaryan7933 Год назад

Sir ganun po tlga 2 week na yun card ko sa rcbc di pa rin nahatid .

@NoyFinanceVlog Год назад

yes po minsan mas matagal pa.

@lachicaryan7933 Год назад

@@NoyFinanceVlog tanggap kna po . Tanong ko lang rin sna sir si RCBC / SB / UNION BANK meron rin po ba ng kagaya sa bdo at bpi na cash it easy . Salamat po sa sagot

@michaelrvlog5963 11 месяцев назад

when ka aguploa new video?

@NoyFinanceVlog 11 месяцев назад

this week sir :)

@michaelrvlog5963 11 месяцев назад

@@NoyFinanceVlog sorry typo. thanks informative kasi vlog mo. So excited na ako new info

@vergelsabanal2411 7 месяцев назад

Pano po mababawi pag nag-overpaid sa credit? Negative po lumalabas sa bdo online sa outstanding balance. Thank you po sa sagot

@NoyFinanceVlog 6 месяцев назад

kaya po sya negative kasi overpayment po. bale pag ginamet nyo po yung card nyo ulit don sya maapply

@xhianxichannel674 Год назад

tanong po. usually magkano po interest ng cash advance sa BDO credit card?

@NoyFinanceVlog Год назад

right now nasa 3% almost all banks

@xhianxichannel674 Год назад

yan po bang interest is kapag late ka nakabayad?

@natoyngapala8535 11 месяцев назад

Sir bakit po kaya ang hirap enroll ng rcbc ko na credit card sa online 😢😢

@NoyFinanceVlog 11 месяцев назад

try calling rcbc po baka may problem

@natoyngapala8535 11 месяцев назад

@@NoyFinanceVlog sir ilan araw kaya dadating yun pinapalitan ko card sa rcbc . Hiningi kasi noon agent ng rcbc yun cvv nabigay ko 2 araw ko plang kapit yun card eh

@Dioza03 Год назад

Ilang taon po ang expiry ng credit card ni BDO? At paano po kung diko magagamit dahil dumating yong card nasa abroad na po ako? Salamat po sa sagot Sir!

@NoyFinanceVlog Год назад

Usually nasa 3yrs yan. Kung dmo magagamet better pa close mo nlng

@kategonzales8420 Год назад

Pwede po ba kayo gumawa ng video on best travel miles credit card?

@NoyFinanceVlog Год назад

try natin next time :)