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What BANKS are NOT TELLING YOU PART 2! FAQs CREDIT CARDs, LOANS, CREDIT SCORE and REPORT Philippines 

Oshean Lee Garonita
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You've requested for it, now I'm bring it back! Today we answer more questions on credit cards, loans, credit score, and credit report. Hope this helps you as you become more financially aware and try to save yourself from unpaid debts.
CIC Submitting Agencies: bit.ly/cic-submitting-agencies
CIC Accessing Agencies: bit.ly/cic-accessing-agencies
Credit Amnesty Program: bit.ly/credit-amnesty-program-ph
CIBI: customerservice@cibi.com.ph, creditbureausupport@cibi.com.ph
TransUnion Philippines: inquiryph@transunion.com
For business 💼 and colabs 🤝, you can contact me:
📧: osheangaronita@gmail.com
📷 IG: @oshkoshlee
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Some links that you can use:
💜 Get Php 60 pesos when you open a TONIK bank account, uploaded an ID successfully, top up an amount, and use my code! Disclaimer that I will be getting 60 pesos too: TJFYQO1
💳 Apply for a Security Bank Credit Card at no cost to you! bit.ly/osheanxsbc
₿ Use my referral link crypto.com/app/ff2sdcawm5 to sign up for Crypto.com and we both get $25 USD 🙂
₿ Use my link to get commissions every time that you are going to trade. Disclaimer that I will be getting commissions too: accounts.binance.me/en/regist...
💰 Get Php 100 when you sign up for Shopback! Disclaimer that I will also get the same amount too: app.shopback.com/HGzHM1kOReb
💵 Use my link to buy from Kwik.Insure and get FREE Php 100 worth of GIFT CERTIFICATES from Sodexo+: kwik.insure/at/olgaronita
or use my code upon checkout: olgaronita
📝Use my link to sign up for airtable! Imagine Google Sheets -- but on steroids: airtable.com/invite/r/0j83oewP
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🎞️ B-rolls from Videezy.com, videvo, and pexels
🖼️ Some thumbnail assets from FlatIcon and Freepik
🎵 Music from:
Lukrembo - bit.ly/3cZcGmr
Joakim Karud - / joakimkarud
DJ Quads - spoti.fi/3tU1iz7
Jingle Punks - / @audiolibrary_
Blue Wednesday (courtesy of ChillHop):
spoti.fi/31bpnEW
chillhop.com/?p=5812
The Jazz Hop Cafe:
open.spotify.com/user/thejazz...
/ thejazzhopcafe
Thematic: hellothematic.com/
Music by MYSM - Soft Cream - thmatc.co/?l=6CE873EA
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⚙️ Equipment:
🎥 Camera: Canon EOS M50 Mark II
🎙️ Microphone: BM 800
🎬 Video Editor: Wondershare Filmora
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❗ DISCLAIMER: I am NOT a licensed financial advisor, so take everything that I say with a grain of salt, and always do your research. I am not and will never be responsible for any consequences of your financial decisions.
❗ In compliance with RU-vid's copyright and fair use policy, just a DISCLAIMER also that there are some parts of the video that are not mine, and they are used in accordance to the platform's Fair Use policy. The following clips were used:
❗ FTC Legal Disclaimer: Some links found in the description box of my videos may be affiliate links, meaning I will make commission on sales you make through my link. This is at no extra cost to you to use my links/codes; it's just one more way to support me and my channel! :)
Stay educated!
- Oshean

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Опубликовано:

 

14 ноя 2021

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Комментарии : 32   
@rencechannel2240
@rencechannel2240 2 года назад
I hate talaga borrowing money. I am very discipline to my finances since childhood. I never have been into debt ever since.
@rareangel21
@rareangel21 2 месяца назад
Thanks ive leaned a lot. ❤
@shielaqin4883
@shielaqin4883 2 года назад
Anong pong ibig Sabihin Ng CMGN credit general?
@sss-ru2uc
@sss-ru2uc Год назад
Sagutin ko lng po yung isang questionng viewerd kase ako po na approve sa CC kht meron po ako online lrnding na hindi nabayaran kase nabuse tako sobrnag taas ng ibterest in 7days taoos oinahiya pako s amga famiky ko ay friends ko pati ka work ko kaya di ko sya binayaran kulang pa yun sa kahihiyan na ginagwa nila saken peor nubg nga appluly po ako ng cc na apprive nma po ako fiest cc ko pa po sya so di sya nkaka apekto doat lng nman kase in 7days ma dible yung inutang mo tapos hahatasin ka pa.
@rzafshorts8104
@rzafshorts8104 2 года назад
Ma hohold po ba ang acct pag nag open ka ng Payroll account sa bank tapos hindi mo pa nabayaran ang credit card under sa bank na yun??(for ex. Sa credit card sa mtrbnk hindi binayaran tapos mag oopen ka nang acct for payroll)
@osheanlee
@osheanlee 2 года назад
Hi! I'm not sure, but I don't see any problem kung may payroll account ka, as long as yung company ang mag-oopen for you.
@lordianmorala9259
@lordianmorala9259 2 года назад
Kasali rin po ba ung mga online bank like CIMB - TONIK sa nag submit Ng credit report
@osheanlee
@osheanlee 2 года назад
Yes :)
@love-a-pie8325
@love-a-pie8325 2 года назад
Hello po, may cons po ba if I will pay my monthly loan more than the amount due? do I need to pay the interest on the remaining months ng loan term kahit zeroed out na..ty po
@osheanlee
@osheanlee 2 года назад
Hi! Wala namang cons but if you're planning that, better to call your bank na you will pay in advance tapos pwede nilang babaan yung interest mo (since you're paying for a shorter time). Hope this helps!
@smartchampaves859
@smartchampaves859 2 года назад
Share ko lang bakit yung classmate ko nung college nakapagloan sya sa citibank ng 100k tpos di nmn nya nabayaran yung niloan nya pero approved parin sya ng bpi gold mastercard?and my mga plan din sya both smart and globe na di rin nya nabayaran. take note kahit di nmn sya nag aapply pero si bpi pa mismo ang tumawag sa kanya para bigyan sya ng credit card.
@osheanlee
@osheanlee 2 года назад
May savings account ba siya sa BPI? If meron, most likely because of that. If wala, 🤷‍♂. Credit records used to be super messy before. But now, because of the Credit Information System Act -- mas streamlined na sila ngayon and mas strict on credit card applications.
@jewelnufable8896
@jewelnufable8896 2 года назад
Just got my TransUnion credit report pero hindi naman naisama yung PLDT/Smart/Globe Plans ko considering na sobra na 10 years having multiple accounts.
@osheanlee
@osheanlee 2 года назад
same case sakin
@strawberrynoobiee
@strawberrynoobiee Год назад
/ilang days bago ila magsend ng report? at how much bayad? thank you p
@elizabethbancod9499
@elizabethbancod9499 2 года назад
May connection ba yun carloan mo na bayad na tapos may credit card ka na dpa nabayaran tama bang ihold ang papers ng car kapag dka pa bayad sa utang sa credit card same bank po bdo.
@osheanlee
@osheanlee 2 года назад
Hi! Sorry late reply. Yes! Discretion ng bank yun
@amorlimbago5280
@amorlimbago5280 2 года назад
@@osheanlee what about homeloan po?
@ProFILIPINAS
@ProFILIPINAS Год назад
Tos add din po regarding sa sss loan,pera mo naman kasi ang pinapaloan sayo kaya i dont think na magiging part sya ng credit score report.
@domingapalencia6891
@domingapalencia6891 2 года назад
sir pag hnd b nbayaran yung credit card pwde kunin ng banko ang savings mo n hnd sl nag inform syo katulad ng bdo kung may acct. k s bdo tapos hnd nbayaran bdo cc
@osheanlee
@osheanlee 2 года назад
In my case nangyari sakin 'to sa BPI ko. Pero tbh dapat hindi nila 'to ginagawa. You can ask your bank directly.
@maribelpajayat1384
@maribelpajayat1384 2 года назад
@@osheanlee sir automatic ba nla kinakaltas ung utang mo sa credt card in full?
@janepacunana6390
@janepacunana6390 2 года назад
sir, kapag po ba hindi nabayaran ang loan sa cimb bank mag babad record po ba ako?
@osheanlee
@osheanlee 2 года назад
Hi Jane! Yes po :)
@seankirbypichay5250
@seankirbypichay5250 Год назад
Mababawasan po ba credit score kapag minimum amount due lang ang binabayaran sa isang credit card.
@osheanlee
@osheanlee Год назад
Yes. ALWAYS PAY ON TIME AND IN FULL.
@chrisnaraymundo1287
@chrisnaraymundo1287 Год назад
Sir meron po akong personal unsettled bank loan 99k po and more than 30k lng po nabayaran ko dahil nagkaroon ako ng probelma financially may tumatawag sakin dati and nag memesage pero nag abroad na po ako that was 9 to 10 years ago na po and still unsettled.. balak ko po mag apply ng housing loan thru bank financing makakaapekto po na un? Thou I'm willing to settle po.. ano po dapat ko gawin..please notice me po..
@osheanlee
@osheanlee Год назад
check credit report mo first. I have videos on how to check them :)
@ruby-zi2km
@ruby-zi2km Год назад
how about mga ola po?nag susunmit ba sila sa cic?mababad records din po ba?
@osheanlee
@osheanlee Год назад
Sorry what’s OLA?
@ruby-zi2km
@ruby-zi2km Год назад
@@osheanlee online lending app
@osheanlee
@osheanlee Год назад
@@ruby-zi2km ah yes most likely nagsusubmit sila :)
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