For me mas okay ang debit card kasi magiging Cautious ka sa pag gastos...Wala po akong CC pero may debit card po ako mas okay walang iniisip na bayarin
I am using credit card for 2 years now and i can say mganda cia for emergency purpose..atleast d kn mang aabala ng ibng tao para mangutang at kagandahan is walang interest bsta wag mo lang wiwidthrahan at bayad k tlga on time..effective ang credit card sa mga disiplinado sa pera.
credit card because if you maintain a good credit history, banks will easily approve your application on bigger loans like housing, business or car. :)
Only spend for the things that you need and most know your limit for spending para hindi ka mabaon sa utang... Di bale na limit ang pera basta walang utang..
Credit Card, good as cash. Zero Interest basta bayaran mo lang on time ang nagamit mo. May reward points ka pa. Kailangan lang talaga maging disiplinado sa pag'gamit ng card.
There is also a secured credit card offered by banks. Pwede ka mag inquire. Secured credit cards works like as a Credit Card. To explain, need mo muna mag deposit ng 10k (example) then yung credit limit mo ay 8k. So kung di mo mabayadan, automatic mababawas dun sa deposit mo
Mas ok skin debit card kase mas alam ko kung ano ang aking limitations. At least, sa debit, di sya utang at me peace of mind ka, yun lang gagastusin mo, naaayon s laman ng debit card mo. Di ka din mahirapan magdala kase di sya cash
Both are very useful to me. Debit- where the income flows in, this is where my credit card payment comes from. I don't usually withdraw cash because I like deferring the payment to my expenses until the next month. Credit card- Where all my expenses comes from. I can better track my expenses and when to pay them without incurring interest (sometimes, minimal lang) and I can purchase on installment basis hassle-free, one call away lang sa bank. I like how I build good credit score because I became disciplined in paying, thus the bank trusts me more.
Same. I use credit card so i can pay my exact expenses (no interest) at least some weeks after. Usually, i use my debit card for full payment tapos meron ding bills payment promos for credit card where i can get 50 to 100 php off or cashback. My principle is, kung ang pinag trabahuan ko hindi agad nababayaran, dapat ganoon din ang expenses. I always pay my credit card bill on time and in full, earn points and always requesting for reversal of annual fee which my bank approves naman.
Nasa naghahawak kung anung card ang mas akma. 😉 each card has their pros and cons. parang kutsilyo sya. nsa naghahawak. you can use it para mpagaang at mpabilis ang pagprepare ng food, at the same time pede ding makasugat pag mali ang pagkakahawak.
I have both. I use credit card for my monthly groceries or shopping. And i auto deduct it to my debit card. -so you dont need to go to the bank and pay it every month.
Team credit card here..kahit dalawang credit card lang sapat na basta magkahiwalay ang cut off at due date. Favorite ko ang citibank rewards kasi NAFFL ala magiging problema yearly
Treat your CREDIT CARD as DEBIT CARD pay your credit card in full in the following billing cycle. DON'T USE your credit card on ON SALE items if you cannot pay it off the following month, why kasi you will pay high interest therefore you did not really got the item "on sale."
Debit card mas preferred ko kasi may control ako sa mga expenses ko and I don't like utang kasi naka pag tapos ako sa pag aaral nang dahil sa utang at ngayon ayoko na magka utang.
Kung wala kang enough savings or income, at wala kang disiplina, wag ka mag credit card. For me malaking benefit ang credit card. Been using credit cards for more than 10 years na. Credit score increases, napapaikot ko ang money on hand kesa maubos sa expenses. Disadvantages ng credit cards are mainly caused by the user.
Credit card is the best choice if you are financially literate. Use credit card like youre using cash to build credit scores and choose credit cards with high cashback %. Pay it all at the end of the month. Pero kung mag credit card ka lang para bumili ng mga luho mo tulad ng bagong gadgets, nako totoy goodluck sayo, malulubog ka sa utang.
Credit card if somethinging wrong on your purchase you can always dispute it compare on using debit card hirap na ibalik ang pera mo and credit card will built credit score where you can use when buying house for your property rental
For me, DC and CC are both useful. Debit card is useful and convenient if you are a student. Whereas Credit card helps business-oriented people in their businesses.
pag nahack ang debit card mo, ipapahold mo ito. ang ending d mo maaccess ang savings mo, habang tuloy tuloy ang meralco, pldt, manila water mo. pag nahack ang credit card mo, ipapahold mo din ito. pero d madadamay ang savings mo.
For me, mas okay ang debit. Iba pa rin pag may control ka sa mga expenses mo. at the same time naa-identify mo kung ano ang needs at wants mo. mbirap mabaon sa utang lalo na ngayon tumataas ang price ng basic commodities.
Credit Card is the best way to use if you have discipline, also use it like your debit card pay as what you have on your budget in order to enjoy the benefits of cc like emergency funds, big discounts, rewards, cashback and offers 0% percent installment plan.
Matagal din aq hesitant mag CC. I decided to get one just last week. Confident nmn na q na di aq matetempt mag overspend. Basta always remember lang na credit card is a money replacement, not extra money.
Debit is better as you can control your expenses. Credit do have interest. You will think twice before spending such expensive things at the same time you will learn money management
Sa Akin Mas Angat ang Pag Gamit ko sa Cc kesa D.Card, Dahil mas Maraming Rewards, perks at discount ang bnbgay nila At dahil sa dalas ng gamit ko at pagging good payer ko hindi ko halos akalain na abaot ng ganun kalaki ung limit na ipinag kaloob skin ng bangko.
May fraud and Theft protection ang Credit card (via dispute). Most of Debit cards doesnt have fraud & theft protection and if there's consumer protection, not so insured in debit cards. Debit card is for money-keeping. Credit card is good for purchasing purposes.
@@PaoloFernandEstraboagree, to Add nadin ung transactions kasi sa Cc Mostly being sent thru Sms and email Confirming if u really made a purchse. Also Otp is Generate to Validate ur transaction kung tlgang gnwa mo tlga sya. 😄
Speaking sa Annual nawawaived naman po yan basta maganda ang record mo kahit 1st year mo sa credit card.😊😊 tama po si sir chiki be responsible lanh...😊😊
Tatlo credit card ko pero Di ko in activate. Mas gusto ko mag bayad ng cash or debit. Para kontrolado ko labas ng pera ko. Awa ng diyos credit free ako almost 12 years na.
Basta mas lamang ng benisyo ang credit card, at magaling k gumamot s card ako shopping 4 free at kain for free kaya yan ng credit card ibigay bilang benisyo k
Got both. Hihihi. Mas gamit na gamit ko now is Credit card for points and rewards. And yung existing cash ko. iniinvest ko muna para yung kikitain sa investment, yun binabayad ko sa card.
Ako po more on Debit card ako. Saka yung laman ng debit card ko napaka liit. Yung aking Credit card ko halos di ko na nagagamit sa isang buwan at nakatago lang sa bahay ko. ..
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may amex credit card ako, pero pinapadeactive ko kasi d naman ako pala bili, lugi ako sa monthly fee kaisa sa gastos ko. wala akong ma aavail na discounts masyado at mga points kasi d naman ako nag bibili masyado online or sa malls kaya sayang lng sa monthly fee kaya deactivate na muna. cguro mag yumaman nlng akong kunti or pag mai sariling business na ako na constant nag bibili ng supply.
Yes kasi dito sa Philippines kahit discipline ka at maganda record mo di sila mag bibigay ng discount sa interest. Kasi sa ibang bansa pag maganda ang record ay makaka discount like 6% interest down to 4%
Debit card ako at saka d2 sa u s pagdebit card tapos may pera ka sa bank na $1500 wala kana monthly fee never pa ako nag use credit kahit bank na nag offer for credit card
@@giefFierce yes winewaive daw allowed but the owner must buy up to a certain amount. Ganto ba sir yung ginagawa nyo? I am still thinking twice if getting a cc is worth it.
I just like debit card I hate CC,I don't like to have credit to any one,I saw lots suffering from credit card. Better to spend what u have only. I hate UTANG .
Ginagamit ko lang yung credit card pambili ng groceries. Kasi may cashback yung credit card ng husband ko.hehe Pero after gamitin ang credit card nagtatabi na ako ng perang pambayad sa kanya.
