Mga NAKAKALITONG Terms sa CREDIT CARDS - Explained!

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Madaming Credit Card Beginners ang nagtatanong sa akin about sa ibat-ibang terms na nakalagay sa Credit Card Statements nila. and dahil baguhan sila pag dating sa credit cards, hindi sila sure if tama ba yung pagkaka intindi nila sa mga terms na nakalagay sa statement nila.
On this video, I share some of the most confusing terms na pwedeng makita sa isang credit card statement here in the Philippines. I explained the difference between the terms and sinabe ko din kung bakit importante na maintindihan ang mga yun.
I believe that the first thing you must do to maximize your credit card is alam mo and most importantly, naiintindihan mo yung mga nakalagay sa credit card statement mo. Kasi kung hindi, pano kana? Baka puro charges and fees na ang inabot mo.
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Опубликовано:

4 окт 2024

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Комментарии : 227

@NoyFinanceVlog 4 года назад

Learn more about credit cards. Know the best credit card for beginners, best credit card for online shopping, best cashback credit cards, and a lot more: ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-cJjd3Ob-FfE.html :)

@MiccoAndChaoFamilyMemorias 2 года назад

Hello, sana mapansin po itong question ko. First time cc holder po, Security bank. Nakalagay po kasi don 2% ang interest rate monthly. What if po kumuha ako ng item na worth 20K po? Tas sinet ko sya to installment for 6 months. 20K/6months= 3,333.33php po sya. So monthly po babayaran ko yan plus the 2% interest rate ng pincipal amount po? So ibig po bang sabihin kahit na monthly nababawasan po yung principal amount na utang ko, required pa rin na bayaran yung interest rate ng principal na 2%? Or habang nababawasan po yung utang ko sa credit card bumababa din po yung interest, like kung magkano na lang yung outstanding balance dun na magbabase ng 2% interest rate? Thanks.

@ayamtv 3 года назад

Thank you sir, totoong nakakalito nga pag baguhan lang maging credit card holder, thanks sa info

@NoyFinanceVlog 3 года назад

Oo nakaklito tlga hehe

@babylyncastillo9860 Год назад

Sir tanung ko lang po. Bdo po ang cc ko 1st time user po ako. Statement date ko po every 25th.. may Minimum Due po ako ng 200. Due date ko is 19th. Ung outsatnding balance ko is binayaran ko n ng 18th. Kahit hndi ko na po ba bayaran ung minimum due ko? Kse binayaran ko namn na lahat ng outstanding balance ko. Pero bakit po -3k po nakalagay sa lastpayment ko po. Salamat po sana masagot po

@shrikinmimos08 3 года назад

isa ako sa 1k na recent subscribers...🎉🥳🎉.. masyado ako natuwa...hindi ka pa po tapos sa explanation sa video mo napa subscribe nako...ang galing mo po magpaliwanag..walang paligoy ligoy...straight to the point, madali pa maintindihan. Keep up the good work po..👏👏👏🎇

@NoyFinanceVlog 3 года назад

Wow maraming salamat po :)

@judsavellano5510 Год назад

Grabe👏🏼👏🏼ang galing mag explain

@NoyFinanceVlog Год назад

salamat po

@redamarch9946 3 года назад

I like your videos, you explain everything very clearly and you always go direct to the point.

@NoyFinanceVlog 3 года назад

Salamat po :)

@wyndaleamascual6123 2 года назад

For example po.. 25k ang limit ng card mo for 1year. Ok lang b kahit 2k or 10k lang gamitin mo dun..

@NoyFinanceVlog 2 года назад

ok lang po yun. pls take note lang din po na yung credit limit is not good for 1 year.

@wyndaleamascual6123 2 года назад

@@NoyFinanceVlog ahh.. ilang months po ang credit lemit pwede..

@NoyFinanceVlog 2 года назад

if ang credit limit mo is 10k. at nagamit mo ang 10k for example sa isang bwan. hindi yun babalik sa susunod na buwan. babalik lang yun pag binarayan mo na yung 10k.

@charlesllenardbarola5072 3 года назад

Dami ko natutunan sa channel na to. Salamat sir

@NoyFinanceVlog 3 года назад

Salamat din po :)

@vanessalicuanan1876 2 года назад

Hello sir kkarecieved ko lng ng cc ko Metrobank titanium. Dko pa naactivate pnpanood ko muna video nio para alam ko po gamitn

@shellytheressenovo3890 3 года назад

Ayos! Thanks po, Sir Noy. Recommendation po on 1. CCs with best customer service esp sa pagtawag on rebates/rewards, suspicious transactions, etc. 2. Explain the function of CC featurs such as bank transfer More power, Noy Finance Vlogs 💥

@marklennmanota7670 Год назад

Ako I highly recommend RCBC. Napakagaan ng experience with their CS.

@jhunedevelajr.8764 2 года назад

Medyu mas nalinawan na po ako about sa minimum amount due, thanks.

@NoyFinanceVlog 2 года назад

welcome po :)

@thinkpositive9374 4 месяца назад

Thank you sir sa info

@evacaamic4230 3 месяца назад

Ask ko lang po. Bakit nagkaron Ako Ng bill statement sa credit card ko e Hindi ko Naman in activate Yung credit card. At Wala akong pinipirmahahn na membership or application

@melanieromero2870 Год назад

Hi sir! Ano naman po ibigsabihin ng last statement balance?

@marnelalvarez7621 3 месяца назад

Salamt sa info sir begginers 😂

@MarlaRiveraA 3 года назад

great content!

@NoyFinanceVlog 3 года назад

Slamat po

@tr3smarias592 Год назад

Thank youuu sir 🎉❤

@ChristyAlcala-k2t Год назад

Thanks po

@paulinemacahia 2 года назад

Hello po. Question po, statement due date ko po is every 21st of the month. Due date is: 20 days after statement date. (1) Tama po ba pagkakaintindi ko, nalilito pa din po ako. Kakakuha ko lang nung Dec. 21. Supposedly, due date ko na po ba kahapon? Jan 10, 2021? Tama po ba? (2) Kakagamit ko lang po nung Jan 8. Bale 2k yung naging outstanding balance ko. Kung January 10 yung due date ko at hindi ko agad nabayadan, magkakaroon na din po ba ako ng late fee and charges?

@marizmartin349 3 года назад

Ganun pala yon 😂 binayaran ko kasi pati yung min. Amount due so ngayon excess yung card limit ko. 😅 thank you for the info

@NoyFinanceVlog 3 года назад

heheh nasobrahan sa pagiging good payer. pero ok lang yun kesa naman kulang :)

@muffins1653 Год назад

Hello po, ano po ba meaning nung relationship limit? Meron kasi sa Citibank ganun. Plano ko sana kumuha ng isa pa kaso di ako sure if naintindihan ko yong description lol.

@Christina-bz7nb 6 месяцев назад

Good evening po.tnung lng po kc ginamit ko cc nung February 15 pero tell now po wla p din akng billing statemen?

@junainapabilla5862 Год назад

Ano yong overlimit fee?

@ellyrazaele8166 2 года назад

Good afternoon po, new follower niyo po, itatanong ko Lang po sana kailan ba nagkakaroon ng minimum due?

@janicebuya1083 4 года назад

Nice video ser, ty po

@NoyFinanceVlog 4 года назад

welcome po :)

@amayamayzing 4 года назад

pataka! ma block lang yung credit card kung di mabayaran ang minimum due. ma unblock lang at magamit ulit kung mabayaran yung due balance.

@NoyFinanceVlog 4 года назад

That's exactly what I said

@JaneDiano-vm3yf 11 месяцев назад

Good day po sir, pareho lang po ba ang statement date at monthly billing date?,kasi sa rcbc ko is ang naka lagay lng monthly billing every 3rd day of the month,so.kailan yunh payment due ko?

@unoyoutubechannel8492 Год назад

goodafternoon po sir. may itatanong po sana ako pero sana po makita niyo at mabasa niyo comment ko.pwede po ba iloan ang oustanding balance hindi po ba makaka affect sa cc ko

@em-yuvlogs8426 3 года назад

Sir meron po b kyo video about s kung pano maginterest s credit card pg late n byad? Pno nag.rarun ung interest nya.thnk you po

@NoyFinanceVlog 3 года назад

You mean kung ppano nacocompute?

@franciscofulleros3886 3 года назад

Kahit ilang months po ba pwedeng magbayad ng minimum amount due?

@celiareyes2564 2 года назад

Sir ask ko lang po stamate day ko is every 5th of the month kelan po cut off ko thank you po

@bugheadjones52 3 года назад

Hi po. Ano po yung payment transfer fee at over the counter processing fee . Nakita ko po kasi sa next mastercard 😅

@NoyFinanceVlog 3 года назад

san banda?

@Teacherdivinegrande 3 года назад

May question po ako sir, ang statement date po ba for the last month po ba yun na bill? example ang last statement date ko po is May 19 then ang due date po kasi June 14, Then nagpurchase po ako last May 30, hindi pa po siya nakasama sa stament date po.

@NoyFinanceVlog 3 года назад

Parang ganon sya. Kasi nag wowork yan for example May 19 ang statement date mo. Bale lahat ng transactions mo from April 20 to may 19 nanjan sa statement nayan. Tapos bibigyan kadin ng bank ng ilang days before the due date kaya ang due date mo is June 14 Yung transaction mo ng May 30.papasok na yan sa May 20 to June 19 statement mo

@cyrusamoyo6000 4 года назад

Thanks for info:)

@NoyFinanceVlog 4 года назад

Welcome po :)

@jay-arpaner192 2 года назад

Sir pwdie ba yun haft muna ang babayran q sa bills q crider card q due kc aq ngayun feb 7..

@brenpitagan8603 4 года назад

Sa bpi kasi sir nlilito ako..iba ang statement balance Outstanding balance Minimum amount due Nagtry ako mgbyad online sa statement...hndi binawas ung bnayad ko.. Nagtry din ako sa outstanding balance...nabawas nmn ung ibinayad ko Sa minimum amount due update nmn po ako... Nakakalito na po kasi ung statement at outstanding...parehong may amount na klngan ko bayadan

@NoyFinanceVlog 4 года назад

Hi mam. Can you send me a screenshot at noyfinance@gmail.com Kc i am checking my bpi statement now and ang nakikita ko is total amount due and minimum amount due po

@brenpitagan8603 4 года назад

@@NoyFinanceVlog ok sir..nkpagsend na po ako ng sc ng online payment saka po nung downloaded bill...slmt po

@NoyFinanceVlog 4 года назад

@@brenpitagan8603 ok na ha hehe

@micaelavillarigo4248 2 года назад

@@NoyFinanceVlog hi sir new c holder po ito dn po sana question ko mejo nalilito po. Magbabayad na po kasi ako in advance pero hnd po sa statement balance nabawas ung amount kundi sa outstanding balance po. Need ko lang po ba bayaran ung nsa statement balance para wala na po akong iisipin sa due date? Or need po na ung outstanding ang mazero po? Sana mapansin po. TIA

@carmelchua2024 Год назад

Hi sir, question po, is the payment due date at monthly due date similar? E.g. April 7 ung statement date., at monthly due date is April 27 ( 20 days after statement ) ito po ba ung payment due date ko din?

@Rose-si3bu 3 года назад

Hi, thank you for this informative video. Question, if I didn't use the cc for a month, the cc billing will be zero. Total amount due and minimum amount due is zero. Is that right? Additionally, until how many months pwedeng hindi gamitin yung CC?

@NoyFinanceVlog 3 года назад

Hello thanks. yes it wil be zero as long as you don't have any balance left sa last statement mo, or you don;t have any existing installment, or no annual fee will be charged. wala namang number of months na kaylangan. pero kung dimo na talaga gagamitin, might as well close it kasi mag babayad ka din ng annual fee.

@melaniepepito 3 года назад

@@NoyFinanceVlog How much is the credit limit for city simplicity plus card if you are a first time card holder? what if I will purchase a 60k phone for installment 12 months to pay and 50k is my credit limit, what will happen po?

@NoyFinanceVlog 3 года назад

@@melaniepepito hello Credit limit is based on different factors so hindi sya masasabe per card. One may have 20k limit while the other have 100k. If the available credit limit po is below sa amount ng itatransact, madedecline sya. Sometimes nakakalusot pero may overlimit fee. Pero usually hundreds lamg amg nakakalusot

@wyndaleamascual6123 2 года назад

Ganito po ung tanong ko hehe. Kapag hndi pla nagamit ung cc wla ring interest akala ko pag may card kana need mona agd gmitin.. Tpos may limit n 25k kailangan mong ubusin agd yun.

@ytubedramabuzz9954 3 года назад

Tnx for this how about ilng months ko npong hnd ngagamit ang credit card ko iniistay ko lng po kse in case n gamitin ko po pg kylngan talaga.. Mas ok npo bng ipaclose ito o hyaan khit mgbayad ng annual fee?

@NoyFinanceVlog 3 года назад

Bkt ayaw moba gamitin? Sayang yung mga pwede mong makuha

@Julsdoy 2 года назад

Hello, do banks that issue credit cards call an applicant's employer as a requirement for approval of a credit card application? Thank you.

@analyntubal Год назад

Sir ask po ako 1st time user po ako cc.. Med u nalilito pa ko... Kakarecieved ko lng po ng cc nung feb 27. Ung statement date po is march 14, payment due date is april 3. Nagamit ko po ung cc last march 15..so paano po ung sir wen po ung payment due date? Nalilito po kasi.. 😂

@mariajuanamaximo8159 Год назад

Nag wawaive po ba ng Late fees ang BDO esp kapag good payer naman 😅😅😅

@NoyFinanceVlog Год назад

im not sure lang pwede nyo padin naman irequest :)

@lorielynannrodillas9933 4 года назад

Hi! New follower nyo po.. ask lang po tungkol sa pagbayad ng credit card if ok lang kng wla pa ang statement bill eh magbayad na ng amount na purchase? And kng ok lang po ba sa bank mismo magbayad thru bills payment? Thanks! Your answer will a big help.. 🤗

@NoyFinanceVlog 4 года назад

Thank you po :) yes pwede po mag advance payment and yes pwede po sa bank mismo sa branch, or minsan meron din online thru bills payment facilities.

@creativity9377 4 года назад

STATEMENT DATE: Every 21st of the month PAYMENT DUE DATE: Every 21 days after statement date Nalilito po talaga ako dito Sir, pwedeng patulong po? Ano po ba ang due date ko?

@NoyFinanceVlog 4 года назад

Every 21st of thr month ang statement date mo. Then bilang ka ng 21 days after that yun ang due date mo. Pero minsan naiiba kapag bumagsak ng holiday

@jubilyndanao6150 3 года назад

Hello po paano po mag.close nang cc?....hnd ko nagamit kahit Isang beses BDO po

@NoyFinanceVlog 3 года назад

call nyo lang po ang BDO para mapa close ninyo :)

@nth1998 Год назад

Sir, question Statement date : every 14th Due date : after 20 days Meaning po, before mag 14th makapag purcbase ako para yung 20 days alloted siya para mabayaran?

@nth1998 Год назад

Or magbabase ka lagi, sa date ng pag purchase mo. Ex. Feb 1 then after 20 days mo pa siya pwede bayaran?

@NoyFinanceVlog Год назад

posting po yung masusunod kesa sa transaction date. so kunware cutoff mo is Feb 14. transactions mo from Jan 15 - Feb 14 is babayaran mo on or before Mar 6 dito mas maliwanag siguro ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-6TubRqrjaUo.html

@judithmagno8329 3 года назад

Hello po sir 😉 new subscriber niyo po ako today. Ask ko lang po since first timer po ako sa pagkakaroon ng credit card. Last June 12 this year ko lang po na-activate cc ko. Then today June 19 ang first ever transaction ko (straight payment). Assuming po na yan lang ang magiging transaction ko. Ang concern ko po is san po papasok na billing date yang previous transaction ko po? Sana po manotice niyo comment ko since matagal na po itong vid niyo. Thankyou po💗

@NoyFinanceVlog 3 года назад

Hello :). Bale kelam ang statement date mo

@judithmagno8329 3 года назад

@@NoyFinanceVlog hello sir, every 7th of the month po ang statement date ko.

@NoyFinanceVlog 3 года назад

@@judithmagno8329 since every 7th of the month ka tapos june 19 ang transaction, papasok na sya sa july 7 statement mo kasi ang covered non is june 8 to july 7. Iba pa ang due date ha

@judithmagno8329 3 года назад

@@NoyFinanceVlog Got it sir. Another question po, ang due date ko po ba every 1st or 2nd of the month? Since 25days after statement date ang payment due date ko. Tama po ba? And if correct ako sa august 2 po ang payment due date ko?

@NoyFinanceVlog 3 года назад

@@judithmagno8329 depende sa bwan. Basta 25 days after statement date. Nauusod dn minsan pag may holiday

@nathaniel8413 3 года назад

Sir just ask kung may charge din ba yung pagswipe ng credit card? Same lang ba terminal ng cc?

@NoyFinanceVlog 3 года назад

Depende bos sa transaction. Kung straight ba installment etc :) Sa susunod na video kasama yang question mo hehe

@nathaniel8413 3 года назад

@@NoyFinanceVlog Looking forward sir

@NoyFinanceVlog 3 года назад

@@nathaniel8413 thanks bos

@marvinaceroque3790 2 года назад

pano pag mali yung amount due sa billing statement mo monthly

@NoyFinanceVlog 2 года назад

Parang dpa naman nangyayare skn yun. And kung mangyare man, mali ng bank yun

@rizalinasobrepena587 2 года назад

Sir Statement Date ko is Every 14th of the month. Due date is Every 4th of the month. Example: Kung magpurchase po ako ngayon Oct 16. Purchase ko ng Oct 16, sa Nov 14 pa siya ? Tapos ang due date po ba non is Dec 4?

@NoyFinanceVlog 2 года назад

yes po

@ansarcortez 3 года назад

Magkaka minimum amount due po ba if zero transactions pa ang credit card mo?

@NoyFinanceVlog 3 года назад

Kung wala pong babayran sa card dahil hindi ginamet, wala din pong minimum amount due. Unless may mga fees like annual fee na nacharge

@ansarcortez 3 года назад

@@NoyFinanceVlog okay po. Thanks.

@NoyFinanceVlog 3 года назад

@@ansarcortez welcome po

@lkurrt 2 года назад

What if po you paid more that the minimum? If ang minimum ko is 1200, then I will pay 3,000. Yung sobra po ba eh mapupunta sa principal amount and wla nko interes next billing?

@myraofficial8794 Год назад

Tanong ko din to

@myraofficial8794 Год назад

Sir baka may alam ka pakisagot Naman pls

@marivicmabbayad6956 Год назад

kuya noy paano po makontak un BDO. costumer service na gamit Ang cp kopo Kasi may itatanong po ako

@NoyFinanceVlog Год назад

ahhh may hotline naman yan makita sa net

@modestoe.manibalejr3908 2 года назад

good day po tanong ko lng po sna kung di ginamit yung cc mo for the month ay wala rin po ba minimum amount due at depende po ba yan kung gaano ka.laki at liit na consume mo salamat po sorry po 1st time user cc God.bless po

@blessiebihag3950 Год назад

Hello po sana makita nyo po ang comment ko kahit yung ibang comments 2 yrs ago pa. My statement date is every 12th of the month and due date is 21 after the statement date. I made two cash advances and some swiped transactions and purchased a 0% installment product for 3 months. I paid before my statement date an amount which is greater than my supposed total amount due. Pero may finance charge ako na ₱48. I dont know bakit my finance charge ako nagbayad naman ako before my statement date and not on my due date.

@NoyFinanceVlog Год назад

Most probably because of the finance charge. Ang finance charge po kasi my upfront interest yan and nag interest yan daily. You can refer po dito ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-Xm06pWJHR2Q.html

@camillepamintuan6264 4 года назад

Pano po to sir statement date ko oct. 12 tapos due date nov 3 so sa nov 12 ko pa lang pwede magamit non yung credit card tama poba?

@NoyFinanceVlog 4 года назад

Di naman po. Pwede naman magamit basta may credit limit pa. Bkt po?

@personalcomputerbuilds Год назад

Panu un binayaran ko ung total amount due at minimum amount due 😂.

@josephineglariana9090 2 года назад

Bakit po sakin fully paid ko naman po before due date. Tapos may finance charge padin po?

@NoyFinanceVlog 2 года назад

you can send me po noyfinance@gmail.com para ma review natin

@gerardalrickracines8212 Год назад

Kung babayaran ko po ung current balance ng CC ko during the middle of the billing cycle and wala pa po ung due date, mareset po ba to zero ung balance ko?

@NoyFinanceVlog Год назад

yes once posted yung payment.

@jonascagape520 2 года назад

for example po is yung statement date ko is july 27, ibig sabihin po ba na magagamit ko yung cc ko starting july 1 hanggang july 27 ?

@NoyFinanceVlog 2 года назад

ibig sabihin every 27th of the month and cutoff mo. so pag pasok ng 28th ibang cycle nanaman yun

@gerverlegaspi8246 Год назад

@@NoyFinanceVlog sir statement date 25 ngamit cia ng start ng september 28 kailangan phu due date ng ganyan.. ngaun october bah kailangan nah bayaran...

@markjorryromande1146 Год назад

Hello po 1stym cc po ako. Ask lng po kelan po bnbgay ang soa? Sa email account ba yn nila seni send?? Or ipadala tlga sa bahay?

@NoyFinanceVlog Год назад

normally pnapadala sa bahay. pero nowadays mdame sa email nlng dhl ng ka pandemic. makuha mo yan few days after ng cutoff date mo

@maryjanenalco9544 2 года назад

Hello po sir . Ask ko lang po need ko na po ba agad bayaran yung outstanding balance? or Stament Balance muna na mag due date po ng April 18. Thankyou po ang Godbless.

@NoyFinanceVlog 2 года назад

minsan nakaka lito kasi yung terms hehe. pero if you have a billing statement na may due date, kung ano yung total na nkalagay don, yung bale yung dapat byaran on or before the due date po

@jorickduero9890 2 года назад

Hello! Question lang po, yung available limit ko nagkaroon siya ng (Parantheses). Ano po meaning neto? Salamat po sir!!

@NoyFinanceVlog 2 года назад

most probably negative na yung available limit mo, bale overlimit kana

@joannapabion2909 2 года назад

@@NoyFinanceVlog so ibig sbhn need mo bayaran ung overlimit n un?

@linapastolero8326 3 года назад

Hello po sir halimbawa po may installment Ako using cc 4months na po akong nakahulog pwede ba ulit akong kumuha Ng another installment kahit di pa ko tapos Sa ibang installment ko, Thank you

@NoyFinanceVlog 3 года назад

Pwede po as long as meron kayong available credit limit and pasom po don yung amount na bbilhin ninyo

@daledizon1002 3 года назад

Hi Sir, New subscriber po ako. I badly need help po. December 26 gumamit ako ng BPI Blue mastercard which is amounting to 8990 (INSTALLMENT). January 21 - 3000, January 27 - 3000, February 5 - 3000 ito po breakdown nung kelan at magkano binayad ko. supposedly wala na akong outstanding balance. pero bat ganun may 6000 pakong outstanding balance.pa help naman po

@NoyFinanceVlog 3 года назад

San nyopo ba tinitignan yung outstanding balance and kelan ang cutoff ninyo

@shielamaeele1365 3 года назад

Bakit ako lagi naman fullpaid ako pero may statement balance padin bat ganun

@NoyFinanceVlog 3 года назад

Anong credit card mo?

@shielamaeele1365 3 года назад

@@NoyFinanceVlog bpi.po sir

@NoyFinanceVlog 3 года назад

@@shielamaeele1365 sa app ba yunh snassbe mo mam? Ang statement balance kasi nag uupdate yan every cutoff. Hindi po after payment

@thevillaruels5013 2 года назад

Sir ask ko lang po ..bakit po kaya yung bpi app ko para sa atm ko at nagkaroon ng credit card outstanding balance ..eh hindi ko naman po inaactivate yung crefit card .last month po 1300 lng sya .ngayon month po 2399 n sya .😥

@thevillaruels5013 2 года назад

@noyfinance

@maryannlabitan5653 3 года назад

Hi sir thank you for this very informative one specially for me a new creditcard user,, ask lang po I paid my minimum amount due na late lang nang one day,,(may penalty pa din ba ako nito?), Then I decided to return my packages to lazada,, luckily lazada refunded me through creditcard ,, and now I have an outstanding balance 850, pesos,, paano ko makuha yung 850 ko sir

@NoyFinanceVlog 3 года назад

Hello. Minimum lang ang binayaran mo then late ng one day? Magkano yung total amount due mo?

@miravergara2574 3 года назад

@@NoyFinanceVlog hi sir nagbayad po ako Ng outstanding balance ko 3days before the due date,pero Nung tuning an ko ang aking account via Ng credit card via on line naka attached pa din ang amount due at may remarks na pay how to handle this, thank you

@NoyFinanceVlog 3 года назад

@@miravergara2574 ano pong credit card bank then san ka nagbayad?

@princessbesabella5746 Год назад

Sir I would like to ask, I keep on paying my last statement balance on my credit card but it will only diminish my outstanding balance but not the last statement balance will not go down even though my outstanding balance is zero :(

@NoyFinanceVlog Год назад

statement balance refers don sa total na generated last statement mo. magbabago lang yan sa susunod na statement mo kapag generated na . hndi nag rereflect sa satement balance ang payments.

@jericanicoleflores3484 3 года назад

Hi sir ask ko lang, example SOA ko is 5k then MINIMUM PAYMENT is 200 need koba bayaran si 200 if fully paid nako sa SOA?

@NoyFinanceVlog 3 года назад

ahh hindi na kasi si 200 part lang din sya ni 5k :)

@ryanalvaira9687 2 года назад

sir first time me sa cc yun annual fee kailan q b byaran khit d q pa naactive ang cc q

@user-pl9sx7qn3t 2 года назад

same i have bpi blue master card tapos hindi pa siya na activate, may outstanding balance na nakalagay sa bpi app ko hindi ko pa naman ginamit yung cc

@graceespartero6695 2 года назад

Sir paki sagot po pls. Ang outstanding balance po ba, yan po ba ang buong amount ng credit mo or yan lang on the said month ???

@louiepaparon1874 3 года назад

Hi po,ask ko lng po sana if bakit walang statement bill na dumating sakin.bdo bank po.tinatawagan ko po ang customer service wala nmn pong sumasagot,sayang lng load ko.at isa pa sir kailangan ba talaga every month akung pumunta sa bdo para mag byad nang anual fee ko?di ba pwdi yearly ang bayad?

@NoyFinanceVlog 3 года назад

sa SOA ng bdo ngayon thru email nila pnapadala. wla silang hard copy simula nag ka pandemic. most banks actually puro email. Sa annual fee naka monthly membership fee kapa siguro, ang alam ko pwede mo sila tawagan, well tawag nanaman hehe, pero thats the only way i know para ma request mo na gawin yearly ang annual fee mo

@NoyFinanceVlog 3 года назад

also pwede ka mag bayad online. kht hndi s abranch

@louiepaparon1874 3 года назад

@@NoyFinanceVlog thank you sir..isa nlang po thru text ko sila ng send sa akin.hindo po sa email..nalilto lng to ako kac sa text stament balance..sa online po bank po may stament bal.at outsding bal. Nkalagay.sir pls po explain

@nyl-ig7tf Год назад

Sir ques Po...Ang statement due ko Po ay every 9th of d'month due date q Po ay 29th day..ginamit ko yung cc Ng feb26 tpos nagbayad aq sa amount due q pro di q snama Yung amount n gnmit ko Ng 26...magiinterest Po ba yun or dpat Po ba sinama ko na syang byaran?

@NoyFinanceVlog Год назад

so feb 26 yung transaction. and ang cutoff mo is every 9th tama? tapos sabe mo 29th ang due date so kung feb 26 bale papasok yan sa Feb 10-Mar 9 statement mo. na mag dudue ng Mar 29 pa.

@lornagracestamonica868 2 года назад

Pano pag sa charges and insurance lumaki yung utang mo

@NoyFinanceVlog 2 года назад

possible po yun . ang charges lumulobo talaga kasi compound interest

@cyremanule5885 2 года назад

Hello new subscriber nyo po ako...tanong ko po kakarecieved ko lang ng cc ko po..now po pag di ko po ba ito i activate wala po bang mangyayaring charges or babayaran ako.?

@NoyFinanceVlog 2 года назад

hello salmat po. kung dimo gagamitin wala naman, kaya lng after 1 year kasi baka ma chargan ka ng annual fee.

@ariellllanos6044 3 года назад

Hello po, I am a beginner credit card holder. My card is BDO. I already paid my Statement Balance but I still have an Outstanding Balance. Should I also pay the Outstanding Balance before the due date? I hope you can answer me. Thank you po.

@NoyFinanceVlog 3 года назад

Hello. for payments i advise na to always refer lang sa credit card statement mo. if the outstnading balance/total amount due indicated sa soa mo is paid na, ok kana don. hintay ka na ng panibago :)

@kjpmantos 4 года назад

Idol! Pa explain naman yun Quasi-cash merchant. Pag nag Cash in ka ba sa lazada, Quasi Cash Transaction ba yun?? salamat idol.

@NoyFinanceVlog 4 года назад

Ang quasi-cash merchants kasi usually mga money transfers, casinos, etc. Though I'm not sure na yung pag cash in sa lazada wallet is a quasi cash transaction pero parang oo. kasi it's a representative of actual cash. Bakit nyo po natanong?

@kjpmantos 4 года назад

@@NoyFinanceVlog sa RCBC kac promo nila NAFFL when you spend 30k within 60days but not counted yun quasi cash/cash advance.

@NoyFinanceVlog 4 года назад

@@kjpmantos hmm tricky nga yan ano. Well you have 60 days naman. May ample days kapa na baka biglang kaylanganin. Pwede naman ata accumulated jan no?

@kjpmantos 4 года назад

@@NoyFinanceVlog oo idol, single or accumulated.

@NoyFinanceVlog 4 года назад

@@kjpmantos what you can do siguro try mo minimum magpasok kasa lazada let's say 3k then call the bank inquire about thr promo. Ask them magkano pa need mo to avail of the promo :)

@aleiazenvallejos1540 2 года назад

Good day po ! Every month po ba need mag bayad ng Soa ? At ok lang po ba na gcash mag bayad ng cc .. thanks po.

@NoyFinanceVlog 2 года назад

kung every month po kayo may due na kaylangang bayaran yes. most cards naman nasa gcash nadin

@mcgregorbuban792 4 года назад

What if sir hinde ko na nagagmit ung cc ko? Kse before maglockdown i have stable job mag 3yrs n ako then suddenly dumatimg ung 2nd crd ko po then nawalan po ako work plan ko sana i keep na lng ung una ko cc ung 2nd cc ko hinde ko na maagmit pwede ko po ba ipa closed na un?

@NoyFinanceVlog 4 года назад

Yes sir. Kung dinyo na gnagamet better to close it po kasi mabill pa kayo annual fee jan pag hindi nyo pina close :)

@iamprettyangelg5286 2 года назад

Statement date ko is every 7th of the month then Due date is 25 days after statement date Pero nagamit ko siya nung April 23 lang So kailan ko po sya pwedeng bayaran

@NoyFinanceVlog 2 года назад

right after mo syang magamit pwede mo nadin syang byaran actually.

@bacayobacayo2148 2 года назад

Hi sir ask ko lng po .. my dumating po ako cc first time user..statement date every 7th of the month then payment due date 25 days after statement date...na activate ko na po sya ngaung July 15, panu po pag ganyan na naactivate na pde na po ba syang gamitin kinabukasan or every 7th of the mont..sensya na naguguluhan pa po slamat

@NoyFinanceVlog 2 года назад

once activated po pwede na. yung statement date po is ibig sbihin non is your cutoff date.

@jigsarellano4419 2 года назад

Sir’ ex may 2500 akong total amount and minimum amount due ng 500. Tapos binayaran ko ung minimum amount due 500. Tama mo ba 2000 na lang ang babayaran ko bago mag due date?

@NoyFinanceVlog 2 года назад

yes tama po. basta yung 2500 na total dapat mabayaran on or before the due date

@jigsarellano4419 2 года назад

@@NoyFinanceVlog salamat sir

@Mae-ny3jt 3 года назад

Hello po! Yung minimum amount due po ba monthly po ba yan dapat na-memeet? Gusto ko po kasi sana mag-apply for Citi Card Rewards (with no annual fee promo for first-timers), kaso di sila natanggap ng mga walang existing cc. So naghanap po ako ng ibang cc with no annual fees na possible tumanggap ng mga first-timers in the mean time and nakita ko po yung AUB - Classic. Okay po siya lalo na kasi may rebates din kaso 4k yung pinaka-mababang pwedeng min amount due po niya,. Ibig sabihin po ba nun dapat gumastos ako ng at least 4k gamit yung cc na yon? Iniisip ko po to kasi, once na magka citi rewards po ako, mas magiging madalang na po ang pag-gamit ko sa AUB. Thanks po!

@NoyFinanceVlog 3 года назад

Hello. Hindi naman syempre depende padin sa usage mo yun. Kung beloe 4k ang usage mo definitely hndi ka dapat magbayad ng 4k kasi total amount due mo is below 4k

@Mae-ny3jt 3 года назад

@@NoyFinanceVlog thank you po sa paglinaw nito. More subs po sa helpful channel niyo! :)

@NoyFinanceVlog 3 года назад

@@Mae-ny3jt salamat po

@joejoe-lz4bp 4 года назад

First!!!

@NoyFinanceVlog 4 года назад

Thanks :)

@dianaabaolipitin6364 4 года назад

Sir may question lang po ako may bdo installment card po ako so nagover the counter po ako d ko naman po sya ginagamit isang beses lang po need ko pa po b bayaran yung minimum amount due? Monthly ko naman po binabayaran yung total amount due po

@NoyFinanceVlog 4 года назад

Can yiu illustrate the problem po. Mgkno for example yung mga amounts sa statement mo?

@nikkoracela 3 года назад

So the bottom line is, pay everything in FULL :D

@NoyFinanceVlog 3 года назад

And on time! Hehe

@chingchingsiega5570 4 года назад

Hi good day :) ask ko lang bat ganon nagbayad ako ng credit card ko via Gcash. And then, yung mismong total amount due yung binayaran ko, as per GCASH ko ay posted na sya. and sa bdo mobile banking app ko ay naka “PAYMENT RECEIVED” pero until now ay may “minimum amount due” pa din. Huhu so confused na talaga. Don’t know if it’s a Glitch lang from BDO or di pa sya posted pero naka pyment received na e.

@NoyFinanceVlog 4 года назад

Hello, sorry mejo hindi ko nagets yung until now may minimum amount due padin. saan nyo po ba tinitignan yung minimum amount due padin na inaantay nyo mawala? thanks po

@chingchingsiega5570 4 года назад

Dun po sa mismong mobile app po ng BDO ay may minimum amount due pa din, diba po dapat ay mawawala na sya since nakapagsettle na kami ng payment?

@NoyFinanceVlog 4 года назад

@@chingchingsiega5570 im not sure ichcheck ko sakin. Pero kung nakira mo naman sa bdo account mo na posted na payment mo. Wala ka dapat ipagalala

@rachellecuartero1823 3 года назад

good day sir, sana mapansin nyo po ung comment ko first time ko po kz mag ka credit card statement date:11th of the month due date:25th after the statement date ginamit ko po kz sya ngaun nov28 then kailan ko po sya babayaran sir? naka buy now pay later din po kz sya,nalilito po kz aq sa statement at due date, thank you po sana mapansin nyo po comment ko godbless po

@NoyFinanceVlog 3 года назад

Hello po. Bale yung statement mona Nov 11 with due date of nov 25 tama? Ang mga nandon ay mga transactions mo from oct 12 to Nov 11 only So kung ginamet mo yung card mo ng nov 28.papasok sya sa statement mo ng dec 11 kasi ang sakop non is nov12 to dec11. Then most probably ang due date is dec 26.hula ko lang due date :)

@rachellecuartero1823 3 года назад

naka buy now pay later po kz sya after 3 months dun palang po sya mag start bayaran,.edi po by march 12 dun palang po sya pwde bayaran until due date po nya sir hula lng po sir if tama po thank you po 😊

@acalmazan5178 3 года назад

Tanong ko lang po. Binayaran kuna po yung outstanding minimum ku pero bakit meron pa rin po sya sa soa ko for the month of August. Due date po kasi nya Sept 6 2021 pero nagbayaran napo ako nung August 22, 2021

@acalmazan5178 3 года назад

hoping na masagutan nyo po.

@NoyFinanceVlog 3 года назад

minimum ang binayran mo?

@aasseoulynpjm3209 2 года назад

Hi po I came across to your video. It's really informative but just to confirm my terms po: Statement Date: 7th of the month Due Date: 20days after statement so 27th of the month So halimbawang my first transaction is bukas Nov 5, so need ko sya bayaran sa Nov 27 (due date). Basically, the statement date will cover transactions from Oct 8-Nov 7, then i'll pay those on Nov 27 (due date). And the transactions from Nov 8- Dec 7 I should pay them on Dec 27. Is this correct po?

@NoyFinanceVlog 2 года назад

yes exactly :)

@NoyFinanceVlog 2 года назад

but on the due date. para hindi kana mahirapan always refer nalang sa statement mo kung anong date yung nakalagay :) pero basically jan banda yan babagsak

@carmelchua2024 Год назад

Regarding this po, similar statement date with mine its 7th of the month. Example April 7 (statement date) with monthly due on April 27, question, if I use my cc on April 8 to April 26 included na po siya sa billing statement ko that will be paid on April 27, tama po ba?

@spacetardigrade 4 года назад

Mastercard na yung citi simplicity+ haha ang tagal di ko pa nakukuha

@NoyFinanceVlog 4 года назад

haha oo nga no. diko napansin. thanks for the info :)

@spacetardigrade 4 года назад

NoyFinance Vlog welp nireject po ako ng citibank walang binigay na reason kahit kumpleto naman requirements ko and i have the qualifications 👁👄👁

@NoyFinanceVlog 4 года назад

@@spacetardigrade do you have an existing credit card?

@spacetardigrade 4 года назад

NoyFinance Vlog nope applying for first card pa lang po

@NoyFinanceVlog 4 года назад

@@spacetardigrade citibank kadalasan ang inaaprove nila mga may existing credit cards na. Or any other information available na about your credit history. Usually kapag wala kapang enough credit history, ayaw ng bank na mauna sila na magrisk sa isang client. Gusto nila minsan may nakapag try na muna na iba bago sila.

@angelicaseverino7881 4 года назад

Sir, clarification lang po, I purchased on August 25 amounting 19K ( installment) . My Statement Date is every 20th and my due date is every 14th of the month. May question is, bakit wala pa sa Statement of Account ko yung pinurchased ko? Last Statement Date reflected on my Account is August 20. Kaya po ba wala kasi for the month of September ang due ko? Please advise.

@NoyFinanceVlog 4 года назад

The statement that you have is for the August 20 cutoff - September 14 due date. This statement covers transaction from July 21 - Aug 20. Since your transaction falls AFTER the cutoff, kasi Aug 25 mo binili. mag fall sya sa susunod mong statement na Sept 20 cutoff which covers transactions from Aug 21 - Sept 20. Let me know if magulo po :)

@angelicaseverino7881 4 года назад

Got it Sir. 👍 Im confused with the dates lang po, expected ko po kasi for August billing Statement. So If I purchased po pala before cut off, sample August 19, kasama na yun for August. Right po? So better to buy after cut off pala. 😁

@NoyFinanceVlog 4 года назад

@@angelicaseverino7881 depende po. Magkaiba ksi ang transaction date and posting date. If yung posting date is on or before 20 pasok padin sya Pero kung trinansact mo ng 19 pero di naman nag post ng 20.kunware 21 na nagpost, hindi nadin kasama yun :)

@angelicaseverino7881 4 года назад

@@NoyFinanceVlog thank you so much Sir. Naintidihan ko na po. God bless po.

@NoyFinanceVlog 4 года назад

@@angelicaseverino7881 welcome po