Тёмный
No video :(

Why I Have 27 Credit Cards (My Credit Card Journey) 

NoyFinance Vlog
Подписаться 26 тыс.
Просмотров 21 тыс.
50% 1

🎥 In this video I will share with you guys my Credit Card Journey. From the day I received my very first Credit Card, the Eastwest Bank Classic Visa Credit Card, until I reached my 27 Credit card, Metrobank Toyota Mastercard.
I will also share some of the lessons that I learned about how to handle your credit card properly. Some tips and tricks to maximize your credit card. And of course other experiences that I have throughout the years.
Credit cards is a great tool to build your credit history. it's also a great way to score a lot of freebies, discounts, and rebates. It has a lot of great features and benefits that can really help you achieve your financial goals.
Just make sure to always follow the golden rules of credit card usage:
1. Review your Credit Card Statement of Account
2. Pay your Total Amount Due on or before the Due Date
3. Pay your Total Amount Due in Full
Make sure to always consider your needs when choosing a credit card. Not all credit cards are created equal and some credit cards are more suited to your needs. Thus you will be able to use it more and maximize its benefits.
______________________________________________
💳 CREDIT CARD APPLICATION LINKS 💳
______________________________________________
UNIONBANK CREDIT CARDS: ZERO annual fees for life!
✅ UnionBank Rewards Visa Platinum
- apply.creatory.hyphengroup.io...
✅ UnionBank Cebu Pacific Gold
- apply.creatory.moneymax.ph/cl...
METROBANK CREDIT CARDS: FREE ₱2.5K eGC, Xiaomi Soundbar, Mi Band 8
✅ Metrobank Titanium Mastercard
PROMO: ZERO annual fees
- apply.creatory.hyphengroup.io...
✅ Metrobank Platinum Mastercard
PROMO: FREE 310,000 reward points!
- apply.creatory.hyphengroup.io...
✅ Metrobank World Mastercard
PROMO: FREE 300,000 reward points!
- apply.creatory.hyphengroup.io...
HSBC CREDIT CARDS: FREE ₱2.5K GC or Dolce Gusto Piccolo XS
✅ HSBC Red Mastercard
- apply.creatory.hyphengroup.io...
✅ HSBC Gold Visa
- apply.creatory.hyphengroup.io...
✅ HSBC Platinum Visa
- apply.creatory.hyphengroup.io...
SECURITYBANK CREDIT CARDS: FREE ₱2.5K eGift, Sony Wireless Headphones, or De'Longhi
✅ SecurityBank Gold Mastercard
- apply.creatory.hyphengroup.io...
BPI CREDIT CARDS: Annual Fee Waiver Forever
✅ BPI Cards
- clk.omgt3.com/?PID=52289&AID=...
OTHER CREDIT CARDS:
✅ HomeCredit
(Buy Now Pay Later)
- clk.omgt3.com/?PID=52198&AID=...
______________________________________________
💳 FREE CREDIT CARD SERVICES 💳
______________________________________________
✅ CREDIT CARD RECOMMENDATION:
bit.ly/NFCreditCardReco
We'll help you identify the NEXT Best Credit Card for You.
*for existing Credit Card holders only.
______________________________________________
🎥 MY RU-vid KIT:
HP Victus 15.6" i5-13420H 8gb/512gb SSD
- invol.co/clkh452
Canon EOS M50 Mark II Mirrorless Digital Camera
- invol.co/clkh45z
Apple iPhone 15
- invol.co/clkh46w
MAIA Selfie Ring Light Clip (16cm)
- invol.co/clkh47a
BOYA BY-V1/V2 BY-V Series Mini Wireless Lavalier
- invol.co/clkh47y
______________________________________________
💙 Follow and Join us on Facebook 💙
FB Page: bit.ly/NoyFinanceFB
FB Group: bit.ly/noyfinancegroup
🏠 for DMCI Homes Condo Inquiries 🏠
FB Page: bit.ly/DMCIHomesNoyFinance
If you have questions, feel free to contact me at:
EMAIL: noyfinance@gmail.com
BLOG: noyfinance.com/​
Thank you guys and God bless!

Опубликовано:

 

7 июн 2022

Поделиться:

Ссылка:

Скачать:

Готовим ссылку...

Добавить в:

Мой плейлист
Посмотреть позже
Комментарии : 183   
@NoyFinanceVlog
@NoyFinanceVlog 2 года назад
Guys you can also check out my favorite credit cards ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-RwJdSWH2gpg.html Planning to update this video as well 😅
@theleoalagar
@theleoalagar 2 года назад
As of this time po, binavalue ko talaga si RCBC dahil nga sa ganda ng service nya kahit na medyo malaki yung Annual Fee compare sa Credit Limit na offer sa'kin pero sila lang yung una at kaisa-isahang bank na nagvalue din sakin na talaga naman 3 years na yung card sakin tska pa ko kumuha ng other card kay Citi which is Citi Rewards Mastercard na No Annual Fee for Life.
@NoyFinanceVlog
@NoyFinanceVlog 2 года назад
@@theleoalagar nice to hear that bro :)
@Annpurisima
@Annpurisima 2 года назад
Magkanu po ang saving para maofferan ng credit card may interest po ba ?
@Annpurisima
@Annpurisima 2 года назад
Ano po ba ang ibig sabihin nh annual fee?
@bienthorly7310
@bienthorly7310 2 года назад
sir may rcbc flex gold nko, tapos pinadalhan aq uli ni rcbc ng JCB at Air Asia credit card. d ko alam kung shared limit cia or separate limit
@jayveeramos6846
@jayveeramos6846 2 года назад
Humble beginnings. Sobrang honest nung review.. Di ako nagsisisi na dito ako nakasubscribe
@NoyFinanceVlog
@NoyFinanceVlog 2 года назад
Wow salamat bos :)
@4g63_Everything
@4g63_Everything Год назад
New subscriber here, napaka clear ng mga sinasabi mo, so now decided na ko kumuha ng CC for the first time, sana ma Approved. Dalawa na options ko, Eastwest at Metrobank.
@NoyFinanceVlog
@NoyFinanceVlog Год назад
salamat po :)
@adrianrayooo
@adrianrayooo 2 года назад
Hello sir Noy! Grabe po yung 27 ha! Hahahaha! Pero yes po, agree to know your first your needs before using/maintaining/canceling credit cards. For me din, hindi talaga need yung sobrang dami. Tingin ko po 5 will do para maconsolidate ang rewards points for faster redemption ng free gc's etc. Thanks po for another informative video! :)
@KennTC
@KennTC 2 года назад
The reason why i have 6 cc right now is to make sure I'll be able to maintain the 30%-40% max usage. This is a good video to encourage others na as long as you use it properly di pang bad side ang CC. 👌🏻👌🏻
@NoyFinanceVlog
@NoyFinanceVlog 2 года назад
Thanks for the info sir :)
@JordieAndes
@JordieAndes 2 года назад
Ako namamax ko pero binabayaran ko naman nang buo. As in buo kada due date. Ok lang ba yun?
@Health101Official
@Health101Official Год назад
4 creditcards max for me. just enough for my personal needs and uses.
@NoyFinanceVlog
@NoyFinanceVlog Год назад
nice :)
@JOMELPITONG
@JOMELPITONG Год назад
Tama ka sir.pagmaganda ang credit score mo mostly approved agad.Today I have 7 credit cards Gold to Titanium lahat wala akong binayarang Annual dahil puro promo at magandang pagmanage ko..Thanks for sharing
@NoyFinanceVlog
@NoyFinanceVlog Год назад
nice galing! :)
@cristianguma2975
@cristianguma2975 10 месяцев назад
Yes indeed classify ung Anong needs mo Pinaka una jong Creditcard is Bank of commerce eventually Pina cancel ko.. Then it took almost 5years to decide get new 1 Wich Security Complete Cashback Halos complete na siya.. Ang kolang nalang is Travel Wich is I needed becoz of my Online Ticketing and hotel booking business For me enough na Ang 2 or 3 CREDIT CARD.. TO MANAGE WELL but it's up to ur needs Naman parin
@knightstale_2229
@knightstale_2229 Год назад
Ako inoferan ng bank ng CC Pero wala ako work that time. Tapos nagulat ako Platinum CC pa. First CC ko Yun . Blessing! hehe
@NoyFinanceVlog
@NoyFinanceVlog Год назад
wow iba :)
@joemcruz2187
@joemcruz2187 9 месяцев назад
More credit card more chances sa sakit ng ulo 😂😂. True sir noy.. Rcbc/metro bank/eastwest /Yan ang credit card na hindi ko I give up dahil sa dami ng benefits..
@jeremiahfernandez52
@jeremiahfernandez52 Год назад
Hi sir, is your hsbc platinum card still worth it these days? Promo wise. Thank you
@NoyFinanceVlog
@NoyFinanceVlog Год назад
promo wise for me hsbc cards mejo lagging nga. but what i love about hsbc cards is they offer 0% installment kasi madalas sa mga regular transaction. 3-6months. sobrang useful for me.
@shibryansy8983
@shibryansy8983 Год назад
Sana all 😂
@NoyFinanceVlog
@NoyFinanceVlog Год назад
di rin lol
@rjg1658
@rjg1658 2 года назад
Hi NoyFinance! I have a question with my credit card. I received an MSOA for a toyota Mastercard from Metrobank. However, the delivery update is long overdue. So I follow up on there customer service, then they said that they have re evaluated my account and cancelled the approved credit card as it did not pass our current card criteria. May i know if it will affect my current credit score or credibility? And can metrobank do this? Thank you
@NoyFinanceVlog
@NoyFinanceVlog 2 года назад
this is my first time na naka rinig ng binawe yung credit card na nabigay na actually. to be honest i dont know if mag kaka effect sya but if it will be treated as normal declining ng application, meron syang impact.
@hmsn65
@hmsn65 2 года назад
If ang convert to installment na process after statement date tapos hindi nag reflect sa statement this month sa next month na ba siya mag rereflect? Including the processing fee of unli 0?
@arnoldmathewfrancia1873
@arnoldmathewfrancia1873 Год назад
How about sir paying the annual fees of your credit cards? is it advisable if you have many with respect to annual fees?
@NoyFinanceVlog
@NoyFinanceVlog Год назад
kung mostly hindi mo napapa waive luge talaga kaya mas ok mag bawas. ako inalis ko tlga yung mga hndi nawewaive
@derekyuree1563
@derekyuree1563 2 года назад
ako nga dalawa lang ayoko kasi ng annual fee I keep citi simplicity at rcbc gold flex visa both NAFFL
@NoyFinanceVlog
@NoyFinanceVlog 2 года назад
Ayos yan!
@JordieAndes
@JordieAndes 2 года назад
Ikaw na. Nagtry ako sa ct. Declined ako. I may reapply daw after 6 months. I told myself, NO THANKS. Never na ako mag-aapply sa kanila. Hahaha. Tutal pawala na sila sa Pilipinas. Hahaha. 🤣😂😅
@smurftv4910
@smurftv4910 2 года назад
Ask ko lang po, may mga termination fee ba ang mga CC pag ayoko nang ituloy halimbawa within a year gusto ko nang ipa close agad?
@honeybeh5043
@honeybeh5043 2 года назад
wow grabe ang dami niyan Sir noy😅 nakakalito na yan heheheh
@NoyFinanceVlog
@NoyFinanceVlog 2 года назад
sa totoo lang oo nakaka lito nga talaga 😂
@honeybeh5043
@honeybeh5043 2 года назад
@@NoyFinanceVlog 😅😅😅🤣🤣🤣
@bgbizkit
@bgbizkit 2 года назад
Could you share which cards are you keeping from 27? Did Robinson Dos increase your credit limit overtime? Or is it one of the cards you've decided to cancel?
@NoyFinanceVlog
@NoyFinanceVlog 2 года назад
Wala pang final list as of now. But yeah most probably kasama si Robinson. Unfortunately hindi pako nakakapag apply ng increase sa kanila hehe. Hindi din nila iniincrease automatically kasi
@_zel_1695
@_zel_1695 2 года назад
@@NoyFinanceVlog waiting for the final list of your most recommended cc (not for beginners). :) Thanks for the awesome content
@DiamondRank1
@DiamondRank1 2 года назад
Meron na po ba?
@theweekendarchive
@theweekendarchive Год назад
By request po pag-increase ng RBank ng CL. Madali lang sya, email mo lang sila requesting for CLI, tas mag eemail back sila to request required docs like yung 1mo payslip. Next email na nila is if approved ka. Within a week lang naapprove pero di nasagad yung 7days. Mabilis lang din.
@abellajuanmigs
@abellajuanmigs 2 года назад
sana ol sir noy
@NoyFinanceVlog
@NoyFinanceVlog 2 года назад
Sana ol wag masilaw lang sa mga welcome gift hehe. Ako i wish sana diko pina dami ng todo
@laniyamo1901
@laniyamo1901 2 года назад
Sir kapag ba may mga late charges ka,tapos ngapply ka sa iba bank matic reject agad?
@janmichaelalfonso2818
@janmichaelalfonso2818 Год назад
Hi sir noy napanuod ko po yung top 10 cards nyo for beginners I'm planing po kase kumuha for emergency anong bank po ba yung marerecommend nyo?thank you and more power po
@NoyFinanceVlog
@NoyFinanceVlog Год назад
Hello you can check this link po for credit card recommendation: us17.list-manage.com/survey?u=9fcbae3191773681dfbcdcd72&id=8fd6df6925&attribution
@miguelyne525
@miguelyne525 2 года назад
Hello Po panu Po mag transfer balance rcbc to Citi bank thanks po
@RicaValencia
@RicaValencia Год назад
Thank you po for this video! Curious question: with all of these cards, have you been a victim of fraud? Parang katakot lang to have many cards din
@roselleflores3916
@roselleflores3916 Год назад
Share ko lang sa exp ko with CCs. wala pa naman. pero sa mga mobile wallet like GCash & Paymaya, yes.
@lloydswatch
@lloydswatch 2 года назад
Pano mo namemaintain annual fee nyang mga cards mo? Im sure di naman lahat yan zero annual fee. Ano yon, successfully mo napapa-waive lahat?
@hiroolaera4177
@hiroolaera4177 Год назад
Tanung ko lang sir bat wala kayo maybank cc? Napansin ko lang ayun lang wala 😅
@bienthorly7310
@bienthorly7310 2 года назад
Sir question, I have rcbc flex gold, then pinadalhan uli ako ni rcbc ng platinum JCB at Air asia credit card, d ko pa inactivate kase not sure baka shared limit ba cia or separate limit???
@NoyFinanceVlog
@NoyFinanceVlog Год назад
separate po ang rcbc sir
@enricocuevas4157
@enricocuevas4157 2 года назад
Grabe! Ako nasstress nako sa 7. 🤣
@NoyFinanceVlog
@NoyFinanceVlog 2 года назад
Mismo haha ano pako?
@RusselPenyfold
@RusselPenyfold 2 года назад
Ako nga 3 lang ayoko na dagdagan pa, 27 pa kaya hahaha 😆 moral lesson matutong gumastos at magbayad ng maaga😆😆😆
@HanlimBrothers
@HanlimBrothers 11 месяцев назад
Sir sa HSBC cards mo, nag apply ka ba? Or lahat ng yan kusa nalang dumating? 😊
@NoyFinanceVlog
@NoyFinanceVlog 11 месяцев назад
yung una inapplyan ko. yung other 2 bnigay nlng
@angelicajoyfrias2449
@angelicajoyfrias2449 Год назад
Hi! I have BDO and RCBC bankard (inactive kasi kadarating lang) which do you recommend the most? Nakalimutan ko kasi if may free annual fee for life si RCBC while BDO has free annual fee for 1 yr. How can I waive the annual fee for bdo?
@marujamoral1166
@marujamoral1166 Год назад
Rcbc Po...i have both BDO monthl magcharge after 1 yr.rcbc free for life
@Annpurisima
@Annpurisima 2 года назад
Paanu po kumuha ngsecured credit card
@jennaluna9828
@jennaluna9828 Год назад
Hello po sana po masagot po yung tanong ko. I commented po sa one of your videos po regarding credit card.
@NoyFinanceVlog
@NoyFinanceVlog Год назад
nasagot ko napo :)
@mjtv3568
@mjtv3568 Год назад
Does Unionbank CC can waived annual fee?
@jmjones24
@jmjones24 9 месяцев назад
i cancelled my UB credit card,napakahirap magpa waive ng annual fee sa kanila kahit na good payer ka pa,firm sila unlike ibang banks na mapapakiusapan mo or bibigyan ka ng options kapalit ng annual fee waiver.i have plentyvof cc and all of them waived annual fees ko except unionbank.
@leonsmith8836
@leonsmith8836 2 года назад
Hi Sir Noy, Thank you po sa video. I just wanted to ask since first time user po ako ng cc, when I received the CC may nakasulat po dun na credit limit (25k) but hindi ko po sure if monthly or annually credit limit po ba yun. I just wanted to make sure if yung amount is monthly or not. Thank you in advance.
@cathylee6538
@cathylee6538 Год назад
That is your credit limit (CL) per card
@NoyFinanceVlog
@NoyFinanceVlog Год назад
correct po si mam cathy lee credit limit sya per card. ang credit limit po is hindi good for a month or a year. yun napo yun. hindi po sya yung tipon pag pasok ng bagong taon is babalik sa dati. pag nagamit nyo po yung 25k limit, hindi po yan babalik after 1 month, 1 year, etc. babalik lang po yan pag nag babayad kayo. if nagamit nyo for example is 5k, the only way para bumalik yung 5k na yun sa credit limit nyo po is bayaran yung 5k
@jonezclipz2706
@jonezclipz2706 2 года назад
sana mag karoon din ako ng platinum, pra mg stick na ako sa isa
@NoyFinanceVlog
@NoyFinanceVlog 2 года назад
Ok padin kaht may mga around 3 to 5 based sa spending mo :)
@christiannaitsirhc954
@christiannaitsirhc954 Год назад
Just watched your video. I just realized na maxado akong nalululong sa pag aapply pero nahihirapan na kung pano magbayad. Kaya baka titigilan ko na dn ang pag aapply ng bagong cards.
@NoyFinanceVlog
@NoyFinanceVlog Год назад
i feel you brother
@nikensantos1333
@nikensantos1333 2 года назад
Separate limit po yong SB cards mo?
@smurftv4910
@smurftv4910 2 года назад
Mayaman po siguro kayo hehe, kasi yung mga welcome gift na sinasabi nyo po nakikita ko malalaking amount need gamitin para makakuha ng reward. Heheh.
@shannreichenbalane2012
@shannreichenbalane2012 2 года назад
Just wanna ask sir? Kailangan po ba hintayin Yung soa bago mag bayad?or pwede na mag bayad kahit Wala pa Ang soa?
@darylp9306
@darylp9306 Год назад
Mas adviseable daw na antayn mo muna. Kasi makakasama sa credit utilitzation mo un pag nagbayad ka kaagad na wala pang soa ...
@rodolfodestura1445
@rodolfodestura1445 Год назад
Owning a lot of Cc is not good. 2 cards is enough to cover your needs and as mergency funds.
@NoyFinanceVlog
@NoyFinanceVlog Год назад
i agree having a lot of CC is not good. but then again kung ilang depende padin sa tao yan at depende sa needs nya.
@marthaville8174
@marthaville8174 Год назад
Hi sir noy, maliit lang talaga yung credit limit ng robinson dos, 10k lang talaga..bitin lang..
@NoyFinanceVlog
@NoyFinanceVlog Год назад
oo nga bakit ganon?
@murphyguial4608
@murphyguial4608 2 года назад
Hello Sir Noy good day, question lang po palagi ko kc na max out yung 55k credit limit ko sa cc I'm using kc my card for business purposes but I always pay on time and full naman never ako na late ng bayad most of the time advance pa. Is it possible ba na makaapekto yun sa credit score ko? SALAMAT❤️
@NoyFinanceVlog
@NoyFinanceVlog Год назад
yes may impact padin yun. but pwede din taasan ng banko ang credit limit mo pag plge mo na mamax pero nabbayran mo naman
@roldanmarco1856
@roldanmarco1856 Год назад
Hi, pwede po ba ako mag-bayad kahit hindi pa tapos ang aking statement date? Ang idea po sana ee mabawasan ang credit.
@NoyFinanceVlog
@NoyFinanceVlog Год назад
yup pwede naman po
@beamaybuensalida3158
@beamaybuensalida3158 2 года назад
Hello sir noy. I'm a new credit card user. I have 20k cc limit. What will happen po pag na max out ko yun for phone installment. Babalik parin po ba yung 20k limit sa acct ko? Thanks in advance
@NoyFinanceVlog
@NoyFinanceVlog 2 года назад
babalik pag nabayaran mo na
@simpledid8997
@simpledid8997 Год назад
We Have 8 credit card ... sa totoo lng ok lng pero sakit sa ulo. If I were to choose i prefer only 1 bank with different kind of credit card so that I can easily monitor our spending. I PREFER RCBC. now we have 8 credit card with 8m credit limit.
@NoyFinanceVlog
@NoyFinanceVlog Год назад
yup good strategy din yun
@migz9077
@migz9077 Год назад
Idol po kita i have 24 now and 7 pa po ang padating :)
@NoyFinanceVlog
@NoyFinanceVlog Год назад
mas idol po kita lol
@aileenmarasigan4920
@aileenmarasigan4920 Год назад
Lahat Po ba Yan ginagamit nyo? Kapag Po ayaw nyo na gamitin ung Isang credit card ano Po gagawin itatawag Po ba sa banko? O hindi nalaang Po gagamitin? Pano Po ung me annual fee?
@NoyFinanceVlog
@NoyFinanceVlog Год назад
pag hindi nyo napo ggamitin tlga better to close it nalang po
@genesistumamao2479
@genesistumamao2479 2 года назад
Wow grabe boss, the ultimate collector. Sa lahat bg cards mo, alin na jan ang may pinakamataas mo na limit?
@NoyFinanceVlog
@NoyFinanceVlog 2 года назад
Haha collector talaga. Metrobank saka bdo cards bro
@genesistumamao2479
@genesistumamao2479 2 года назад
@@NoyFinanceVlog last year lAng din Ako naapproved ng mga ccs, started with classic and gold Pero this year I was able to raised eastwest tier to platinum with 7 digits, same with UB…parang 2 is enough na for me hahaha…bdo citi rcbc nasa baol na hahaha
@NoyFinanceVlog
@NoyFinanceVlog 2 года назад
@@genesistumamao2479 nice nice! Di tlga kaylangan meron tyo nung kahat hehe
@genesistumamao2479
@genesistumamao2479 2 года назад
@@NoyFinanceVlog Pero Grabe sayo boss, it’s like the bank can’t resist you hahaha. Ako talagang pahirapan bago ako maapproved. Kaya lalagay ko lang sa baol yung ibang cards ko di ko icloclose…
@NoyFinanceVlog
@NoyFinanceVlog 2 года назад
@@genesistumamao2479 lol. It took me so many years bro. Ikaw last year palang pero nsa million kana
@Katecat4334
@Katecat4334 Год назад
Para sa akin maganda ang may cc Kasi ginagamit ko siya sa business ko na sari sari store. 0% interest siya at lagi ko siyang nababayaran in full. Nasa pag gamit lang naman Yan.
@NoyFinanceVlog
@NoyFinanceVlog Год назад
tama din po
@KeonPH
@KeonPH Год назад
Imagine, lolog in ka sa apps ng multiple bank accounts. Then e checheck mo SOA sa lahat ng 27 cards every month. Hassle. 😂
@NoyFinanceVlog
@NoyFinanceVlog Год назад
😂
@janiceolaso1385
@janiceolaso1385 Год назад
Di po ba nakaaffect sa Credit Score nyo yung mga pinacancel nyo na cards?
@NoyFinanceVlog
@NoyFinanceVlog Год назад
may effect din. lalo na if matagal na yung card.
@scpk2246
@scpk2246 2 года назад
Hi guys, plz help, bakit nagpadala ng VISA card ang BDO sakin? -di nmn ako nagApply for this -ano dapat kong gawin? -pag di ko ba inActivate to, my babayaran ako? -thanks
@NoyFinanceVlog
@NoyFinanceVlog 2 года назад
Better po pag di gagamitin tawagan si bank tp make sure close yung account Inexplain ko din yan dito hehe ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-eR2dGaRWAUM.html
@xymondevera_02
@xymondevera_02 Год назад
good day po pag nag apply po b ng secured credit card pwede po b gamitin ung secured credit card ko pag nag apply ako ng unsecured credit kahit my bad credit history n po ako my chance po b n ma approved ako kahit my bad credit history ako salamat po
@NoyFinanceVlog
@NoyFinanceVlog Год назад
pag nagamit mona ng matagal ang secured credit card mo, pwedeng reference yun pero still no assurance yun na maaapprove kana ult for a regular card
@AB-wv6uz
@AB-wv6uz 2 года назад
Hi sir noy. I am a new CC user. I used it po for a month na. My statement has arrived po which is every 16th of the month. But I keep using the CC po. Do I have to pay all the outstanding balance po ba? Or yung na accummulate ko lang po nung nagcut off nung 16th?
@NoyFinanceVlog
@NoyFinanceVlog 2 года назад
yung total amount due na nasa soa mo yung kaylangan mong byaran bale, bale follow mo lang yung nasa soa mo
@AB-wv6uz
@AB-wv6uz 2 года назад
@@NoyFinanceVlog thank you sir. Bali okay lang naman po ba like 10k yung nasa SOA ko, i will make 5 payments po, example 2k each payment until I reach the amount before the due date po?
@aldenbuy
@aldenbuy Год назад
Ideally, bayaran mo yung full amount para hindi ka maka-incur ng finance charges or interest. Kung hindi talaga possible, pay as much of the total amount due that you can as possible, not just the minimum amount.
@georjeanieching2723
@georjeanieching2723 2 года назад
Sir noy, paano pag may collateral yong credit card ko may na hold syang amount . Tas gusto ko mag swipe, automatic deduct ba sya sa collateral money na ni hold ng security bank?
@NoyFinanceVlog
@NoyFinanceVlog 2 года назад
Hindi. Bale sa credit limit padin sya babawas. Yung collateral mo gagalawin nila yan pag hindi mo na binayaran yung balanse mo sa card Mas inexplain koyan dito ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-bd6OssuGfzM.html
@reymundfuntanilla3177
@reymundfuntanilla3177 2 года назад
Sir, katatanggap ko lang Ng CC ko sa PNB, ayaw kona sana activate, ano po mangyayari kung Hindi ko sya activate?
@NoyFinanceVlog
@NoyFinanceVlog Год назад
pa close mo nlng baka kasi mag ka annual fee kapa
@kapwacherylclamor7790
@kapwacherylclamor7790 Год назад
Paano pag check ng SOA PO
@NoyFinanceVlog
@NoyFinanceVlog Год назад
if nag cutoff na kayo and wala padin yung soa nyo you can ask for the customer service na iresend sa email
@positivemindedhub305
@positivemindedhub305 11 месяцев назад
Hi po Sir Noy, ask ko lang po, kapag po nagbayad ng full on time ay wala pong interest, bale ang babayaran lang po ay kung magkano ung nahiram? applicable din po ba kht sa cash advance na inaplayan ng 36 months na iffully paid na po agad s first month? sana po masagot , btw sa bpi blue mastercard po un, thank u in advance po, and thank u po sa mga videos ninyo, nakakaenlighten po,,,
@NoyFinanceVlog
@NoyFinanceVlog 11 месяцев назад
kapag po cash advance everyday po yung takbo ng finance charge non. hindi sya same sa normal transaction
@positivemindedhub305
@positivemindedhub305 11 месяцев назад
@@NoyFinanceVlog salamat po sir, SIP po pala ung inaplyan ko kaya mas mababa. Paano po pala malalaman kung qualified po sa 100% bonus madness limit?
@ryanbuan3038
@ryanbuan3038 2 года назад
totoo po ba na pag nagpa cut ka ng credit card makaka apekto sa credit history sa bangko?
@NoyFinanceVlog
@NoyFinanceVlog 2 года назад
yes po iikli kasi yung credit history mo. pero kung bago palang naman yung card wala namang problem. mahirap pag yung pinaka unang card ang pina cut mo
@darylp9306
@darylp9306 Год назад
Ano nlng yung 15 cards remaining mo sir Noy at bakit sila ang mga iniwan mo? Time for a new vid sir hehehe
@NoyFinanceVlog
@NoyFinanceVlog Год назад
gumagawa nako ng bago hehe about soa hehe
@patrickrivera9710
@patrickrivera9710 Год назад
Sir tanong lang po... First time po kukuha ng credit card.. my salary is around 18k monthly. Balak ko sana gamitin sa pang grocery sa tindahan... Nakaka almost 20k din kase monthly yung purchased sa grocery. Sayang din kase wala kami nakukuha...sana masagot thank you God Bless
@patrickrivera9710
@patrickrivera9710 Год назад
Anung credit card po ma rerecommend nyu... Salamat po in advance.
@NoyFinanceVlog
@NoyFinanceVlog Год назад
you can check po ito ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-xsKFghWTLLo.html
@natoyngapala8535
@natoyngapala8535 2 года назад
Bakit po kaya lagi ako decline sa citi
@NoyFinanceVlog
@NoyFinanceVlog Год назад
mahirap kasi tlga din ma approve sa citi
@maryjeanlucagbo1688
@maryjeanlucagbo1688 Год назад
1st mag avail ng credit card anong bank po
@NoyFinanceVlog
@NoyFinanceVlog Год назад
ako ba? eastwest
@natoyngapala8535
@natoyngapala8535 2 года назад
sir tanong ko lang po sana . yun po ba credit limit ng E credit ko kay bpi dun kukunin sa bpi gold ko
@natoyngapala8535
@natoyngapala8535 2 года назад
nagamit kna rin po kasi yun credit limit ng gold ko . yun po ba credit limit ng eCredit ay hiwalay sa gold ko
@NoyFinanceVlog
@NoyFinanceVlog 2 года назад
yes don din po yun mangagaling. kasi ang ecredit is extension lang for online transactions. galing padin sa main card yung limit.
@natoyngapala8535
@natoyngapala8535 2 года назад
@@NoyFinanceVlogsir mas ok po ba mag apply ng bagong credit card pag 6buwan pataas na ang credit card ko
@NoyFinanceVlog
@NoyFinanceVlog 2 года назад
pwede naman. pero pag isa palang card mo, usually mas ok pag after a year.
@natoyngapala8535
@natoyngapala8535 2 года назад
@@NoyFinanceVlog 2 na po sir . Bpi gold . Amex gold cashback
@7Archie4
@7Archie4 Год назад
grabe dami ng card 😂 mahirap mg manage ng ganyan.
@markuchiha7737
@markuchiha7737 Год назад
Ikaw na
@theleoalagar
@theleoalagar 2 года назад
Wow. Max of 5 is enough siguro
@NoyFinanceVlog
@NoyFinanceVlog 2 года назад
For most people agree ako jan bos
@JordieAndes
@JordieAndes 2 года назад
Sa USA max of 5.
@aileenmarasigan4920
@aileenmarasigan4920 Год назад
3 na Po ung cc ko kaya laang Isang banko laang Po.. 2x na Ako nadeclined sa 2 banko Pano Po kaya ma approved sa ibang bank
@NoyFinanceVlog
@NoyFinanceVlog Год назад
matagal napo ba yung card nyo don sa isang bank
@melbanana8369
@melbanana8369 Год назад
Parang baraha yung mga cc mo sir sa sobrang dami ha. 🤪
@NoyFinanceVlog
@NoyFinanceVlog Год назад
heheheh paubos na
@melodydelrosario8782
@melodydelrosario8782 6 месяцев назад
Kawawa naman akong nag iisa ang Credit Card 😂
@ArlynGodgude
@ArlynGodgude Год назад
Pero b4 mo makuha yong 1k free need mo muna magspend ng around 30k😢
@NoyFinanceVlog
@NoyFinanceVlog 11 месяцев назад
saan po?
@jennaluna9828
@jennaluna9828 Год назад
Sana po ma notice ylnyo po ako
@NoyFinanceVlog
@NoyFinanceVlog Год назад
nasagot ko napo :)
@reylozada3230
@reylozada3230 8 месяцев назад
Utang is utang. The moment umutang ka regardless of what interest rate they offer kahit pa better than the standard 3 percent yan and any kind of rewards crap that CC companies offer, net loss n yan agad sa part mo. Yan ang bottomline sa paggamit ng kahit anung credit. You only keep 1 or 2 of them to use for emergency in case wla kang enough liquidity at that exact time. Unfortunately greed and envy lurks on many, kaya gustong gusto magka CC. I want to buy this, I want to buy that. I want to go here and shop on whatnot. The only time we're supposed to used loans is when you are acquiring asset aka Home Loan and when expanding your business. Yan ang rason kung bakit yung mga Fil-Chi nateng kababayan are now richer while Filipinos still remains poor.
@NoyFinanceVlog
@NoyFinanceVlog 6 месяцев назад
1. utang is utang correct 2. the moment na gnamet mo ang card mo doesnt mean you will pay interest. so technically using your credit card alone means talo kana. ang credit card is interest free unless lumagpas ka sa due date mo. or nag installment ka ng may interest. imagine buying something worth 5k, then may reward ka na worth 500php. after a month or so, once your SOA is generated, that 5k will still be 5k. you will not pay more. unless you missed the due date. so technically, by using your credit card you benefited on 3 things: - you get the P500 free - nabili mo yung 5k worth item without shelling out cash at the moment - you only need to pay after a month or so INTEREST FREE I agree with your following points about buyng anyting that you want kahit wala kanamang budget, that is the problem. not the credit card.
@yurinathanielnadala2245
@yurinathanielnadala2245 2 месяца назад
😂😂😂
@katusokvlog8420
@katusokvlog8420 2 года назад
Cguro kung MILLION na ung CL nung isang CC, pwdng pwd na kahit isa.🤣🤣🤣🤣
@derekyuree1563
@derekyuree1563 2 года назад
mayroon ganun kaso hindi din depende sa feature kasi yan ng cc
@bgbizkit
@bgbizkit 2 года назад
Problems with having one card: 1. You wont be able to enjoy the perks of other credit cards. Hindi naman lahat pare-pareho promos nila. Like, some cards may 0% installment sa isang merchant, yung iba waley 2. When you purchase something over the counter, then may issue pala si card for example, di mo alam damaged card pala or di tinatanggap nung terminal yung nag iisang card mo. Wala kang spare and ang ending, isasauli mo yung item (nangyari sa ken, nakakahiya) 3. Pag na compromised si card online/fraud-related, papalitan ni bank yung card. Mag iintay ka ng weeks to get a new one and again wala kang gagamitin while waiting
@NoyFinanceVlog
@NoyFinanceVlog 2 года назад
Iba iba kc yung features ng mga card kaya advantageous din kapag may multiple
@snipyuser
@snipyuser 3 месяца назад
Pano ang annual fee boss madami din hehehe
@aje2650
@aje2650 2 года назад
Sir Noy. Paapprove naman sa FB Group Forum. Thanks.
@NoyFinanceVlog
@NoyFinanceVlog 2 года назад
Ay sige sorry :)
@wittylanga2773
@wittylanga2773 Год назад
@@NoyFinanceVlog ako rin po Sir pa approve po. Thank you po
@snipyuser
@snipyuser 3 месяца назад
Grabe ang binabayaran mo na annual fee niyan.
@yurinathanielnadala2245
@yurinathanielnadala2245 2 месяца назад
Napapawaive naman. Ako nga wala pang binayaran na annual fee sa mga cards ko.
@reynaldomagosjr8365
@reynaldomagosjr8365 Год назад
Hi sir mam any experience sa credit card application sa mga booths sa malls? Safe po ba personal info/financial info natin dito? Thanks in advance po sa sasagot
@NoyFinanceVlog
@NoyFinanceVlog Год назад
yup nakapag try nako jan pag maganda yung bnbgay hehe. safe naman yan kasi mga legitimate agencies naman ang mga anjan
@reynaldomagosjr8365
@reynaldomagosjr8365 Год назад
@@NoyFinanceVlog Thank you sir napansin nyo hehe. Dami ko din natututunan sa channel nyo sir keep it up po! 🙏
@NoyFinanceVlog
@NoyFinanceVlog Год назад
salamat po
@Ae.venture
@Ae.venture 2 года назад
Okay lang po bang hindi i-activate yung credit card (replacement dahil expired na) hanggang di pa gagamitin at iaactivate na lang pag gagamitin na? Thank you po!
@NoyFinanceVlog
@NoyFinanceVlog 2 года назад
Yup pwede naman. Pero kung replacement sya take note lang na yung credit card account is open padin po :)
@Ae.venture
@Ae.venture 2 года назад
@@NoyFinanceVlog thank you po sa pagsagot. :)
@reymundfuntanilla3177
@reymundfuntanilla3177 2 года назад
Sir kakatanggap ko lang Ng CC ko sa PNB, ayaw kona sana activate, ano po mangyayari? May babayaran ba Ako?
@NoyFinanceVlog
@NoyFinanceVlog 2 года назад
wala naman. pa cancel mo na by calling pnb
Далее
5 Things to Know First Before Getting a Credit Card!
11:49
Credit Card Mistakes to Avoid - Credit Card 101
11:19