10 Ways To Maximize Your Credit Card | Chinkee Tan

[@chinkpositive]

Friends comment your suggestions here! Thanks for watching!

[@katharnilla8764]

Pa shout out po sir chinkee. Kath from Tagum City

[@catherinedoriendo8474]

Pa shout out po, Sir Chinkee Tan. A supporter from Negros Occidental po❤️

[@iampatrizialiu]

Want to learn more about Franchising or being a Reseller po sana as sideline. Also, Premyo Bonds, very timely 😄

[@chinkpositive]

meron na yan please ehceck sa files ko

[@Starchazer]

Sir Chinkee pa help naman po papanu maging debt free 😭😭.. sumpa na po yung credit card sakin.. i have 7 credit cards and naloloka na ko kakabudget how to pay them in full every month.. naging sakit ko n ung mag balanced transfer sa ibang bank pero doon po ako nabaon sa utang.. my salary earning cannot pay them anymore.. and ubos na din savings sir chinkee dhl puro pinambayad ko n po ng utang pero kulang pa rin..

[@happygolucky143]

Napakalaking advantage na may credit card para sakin. Meron akong credit card, cash back credit card sya, may cash back ako sa mga binibili ko. Hindi na ako gumagamit ng cash, credit card nalang. Natuto ako mag plano ng mga bibilihin ko kasi every 1000 nagkakaroon ng cash back so natuto talaga ako maging strategic sa purchases ko. First year ng paggamit ko ng cash back credit card ko nagkaroon ako ng 4000 pesos na cash back, ang laking bagay na rin. Basta tulad sa cash, disiplina lang sa paggamit. Ang technique ko, kung magkano lang ang pera ko na sigurado ako na kaya kong ibayad, ganon lang din kalaki ang ginagastos ko aa Credit card ko.

[@user-pl9sx7qn3t]

anong credit card po gamit niyo?

[@happygolucky143]

@@user-pl9sx7qn3t BPI amore cash back. Tinawagan lang ako one time ng staff ng BPI, wala na hiningi na requirements sakin.

[@jhonastamaria]

Ibg po bng sbhn kht wla laman ang credit card mo pwede ibayad??tpos kng magkano yon na gastos mo ganon iba2yad mo sa bangko?

[@happygolucky143]

@@jhonastamaria and credit card po ay may laman na pera, credit limit ang tawag. Pera ng bangko ang nakalagay doon na pinapautang sayo na walang interes basta babayaran mo uli bago mag due date na ibibigay ng bangko. Kung halimbawa 15000 ang binigay na credit limit ng bangko sayo, hanggang 15000 lang din ang pwede mo gastusin sa credit card mo. Kung magkano nabawas mo sa credit limit mo ganon ang halaga na babayaran mo sa kanila

[@jhonastamaria]

@@happygolucky143 ah ganon po b, salamat po ng marame ☺️, hnd qo po kc alm ay..

[@rodolfodestura1445]

Simula nung nagka Credit card ako hrap na hrap ako ma manage ung pgbyyad dhil hndi ko alam ung cut off date at due date. Talagang sumadsad ung utang ko sa bangko ko. Pero nung napanood ko to nagbago Tlga lahat. Mas naging ma ingat ako sa pag gamiy nito at ung sabi dito sa vid na For emergency totoo yan. Parang emergrncy fund mo ang credit card. Kaya dpat responsble ka sa pag gmit nito. Thanks sir Tan for sharing this vid. Sobrang laking tlong nito

[@billyilagan2004]

If you have big purchase, use your credit card instead of debit card then instead na deposit mo to your debit card pay your CC in full. You will earn points and will increase your credit score/ratings.

[@SanzRival]

subscribed na po

[@bingespinosa1307]

Bago lang ako nagka credit card, at the age of 54. Thanks for the tips.

[@martindianzon6648]

Tama lang use ko, bayad lagi full payment at para lang sa needs sa bahay ang usage ng CC. Pero ngayon ko lng nalaman na may cashback pala at pwede pa waive annual fee. Salamat sa info sir Chinkee Tan ❤️❤️❤️

[@josephineencarnacion2372]

Use credit card to your benefit. Most cc give discounts on some purchases also. I maintain 2 cc with different statement cutoff, every 14th and 28th of the month. I schedule my purchases and make sure to use the cc with the most recent cutoff so I can hold onto my cash longer. But always pay in full! One time, my cc loaned me ( thru credit to cash) 750k at 0% for 6mos.

[@chinkpositive]

bababntayan mo talga

[@marygracegabato9577]

What do you mean pay in full

[@kylereacts8331]

@@marygracegabato9577 you need to pay the full amount on your billing date or before on due date.

[@nikkafairy06]

Pano po ninyo iniischedule yung purchase po ninyo

[@davebalanding]

What cc po yung may 0% cash loan for 6 months?

[@Denbert_30]

My 7 na credit card po ako ginawa k pong business nag cash loan po ako sa bank interest rate po ng bank 0.45 thn ipana utang ksa office mate k 5%😁hold k yung payroll debit card nla para sigurado ang payment every month.

[@byahenijoeped9842]

Anong bank po kayo nakakautang ng ganyang percnt po

[@Denbert_30]

@@byahenijoeped9842 bdo,pnb

[@shalonvlog]

thank you sir ...big help for me specially it's my first time to have a new credit card.

[@Aldiethegreat]

Maganda gamitin ang creditcard for groceries, food at book ng travel.

[@SakuraHaruno-mr1ss]

I only use my credit cards for the rewards and cashbacks. I'm not technically borrowing since I pay my bill the after I swipe my card. I don't buy things I can't afford.

[@annamariecabagsican6828]

Thanks po sir..my husband and I are on the process of financial stability..and you inspire us much...

[@chinkpositive]

You can do it!

[@tspadventures18]

In my opinion, it’s better to close a credit card especially if you won’t need it. I mean, you do not need so much credit card anyways, hindi lahat ng bank madali kausap. Find a bank that suits you and make a good banking relations. keep one credit card only, in that way you may monitor your expenses easily. Keep it simple. 👍🏼 About credit score, it’s not that big in the Philippines. But if you are living abroad, it matters. Keep your finances well monitored, do the excel. 😉

[@_klee7469]

after almost 15 years sa work first time ko magka-credit card, puro debit card or flexi loan lang nun, hirap na hirap din ako magaaply nun since need ng active CC bago makakuha, nagulat na lang ako this month biglang nagmsg sakin payroll bank namin na on the way na daw CC ko

[@buenaenelynalimasac6401]

Wow.. firsr timer ko pong magAvail ng credit card.. kinakabahan po ako nuon dahil negative tlaga feedbacks. Namg dahil po sa inyo ay marami po akong natutunan..thank you!!

[@SaSha-kd8rg]

Pashout out po Mr.Chink Positive.. araw araw po akong nanonood ng videos nyo.. mas nakakaipon na po ako ngayon at nkpag invest nrin po.. OFW po ako ng 3years at dahil sainyo magpo for good na po ako next year 😍😍😍

[@welcitaempas2361]

Watching from Malaysia ofw 🇲🇾

[@iangerswin9285]

Anong pinaka magandang bank for CC? For lifestyle use like groceries, bills, and other necessiy

[@melodyranoco3260]

im maximizing the use of my credit card up to the maximum limit for business. taking advantage of zero % installment.

[@chinkpositive]

galing

[@mmmat5475]

Sir beginner lang po ako sa credit card, tanong ko lang po. 1. In your opinion po, ok lang po ba mag cash advance using credit card? Malaki po ba interest? 2. Paano po magpawaive ng annual fee? Thank you po

[@excellent88]

Pagkaka alam ko malaki interest pag cash advance. Not unless wala ka na talaga choice. Depende sa bank yung waive. Minsan may pa promo na pag nag sign up ka, no annual fee for life. Minsan din may minimum purchase in 1 yr, free na next yr. Pwede din tawagan mo yung bank kung kaya ba na i waive.

[@firstname1012]

salamat po! at sa pag evaluate ko sa sarili ko. tama pala ginagawa ko. kaya lagi ako pinapadalhan ng banko nga iba-ibang type ng credit card. kala nila ma budol nila ako, hahaha. dalawa lang ngayun credit card ko, isang free at isang with membership fee. so far wala pa naman akong default kaya siguro lagi sila nag tetext na mag pautang, hahaha. Laking tama po ang sabi nyo na wag umutang kung alam mo namang wala kang pambayad. Utang parin kasi yun na dapat bayaran.

[@christopherdeguzman8814]

We always pay in full. :) Thanks for the tips! Would like to hear your thoughts on repossessed cars vs brand new cars.

[@chinkpositive]

Thanks for the idea!

[@TravelEndleslie]

What I do po ginagamit ko si cc to earn points then I make sure bayad sya in full para wala charges. Lifetime din waived ang annual fee then may perks nga din. Since traveler ako pinaka gusto ko free VIP lounge access for 2 sa airport. Syempre free food din yun 😁

[@lsbdabarkads2761]

Thanks for the info. What card do you recommend to have free lounge access?

[@TravelEndleslie]

@@lsbdabarkads2761 RCBC Platinum. pero alam ko may iba pa check na lang po sa website.

[@mymessykitchen704]

ano pong card nyu?

[@TravelEndleslie]

@@mymessykitchen704 rcbc

[@CJaySting]

Mga Sir, Ano po mas mainam gawin? sabhin nating meron nakung pambayad ng buo sa installment ko sa credit card, mas maganda ba na bayaran ko na agad ng buo or bayaran ko nlng monthly hanggang matapos? di kasi ako mapalagay pag may utang.

[@lucyakimoto1939]

Ano po bang magandang credit card na pwede sa lahat? mga pambili lang ng gamit like relo, phone, etc

[@hardinniyolly8032]

It has many many benefits

[@Brenda-zr9fd]

Nagoofer ako ng grocery installment 20 days sa security guards at iba pa

[@efrenmarco7437]

HI sir Chinkee topic naman po sa clossing ng credit card I'm planning po kasi na i close yung mga basic cards ko since na bigyan na ako ni other bank ng mas mataas na card ano po ba pwede gawin and ok lang ba na iclose yun dahil mas mababa ang credit limit at hindi na rin sya magamit dahil hindi sya maibili ng gusto kong gamit kasi mababa ang credit limit kaya mas nagagamit ko yung binigay ng other bank kasi mas mataas ang credit limit. salamat sana ma topic :D

[@junecawan2083]

Dahil sa credit card yumaman ako❤

[@isiahtejome2981]

How

[@ma.leonoratheresaalvarez8421]

Hi, Chinkee Tan, watching from Canada, na iinspire talaga ako sa mga videos mo specially about Debit card and Credit card.. Thank you

[@janetierra0630]

Thank you po for Sharing this video. First time ko po magka credit card

[@supermommg5230]

Buti na lang napanood ko ito, Mr. Chinkee Tan. Ever since you visited our company for a talk, right there and then laki na po ng impact nyo sa financial management improvement ko po. I have credit card too. Thank you so much for sharing this and for the tips. You've been such a great help. Lagi ko po susubaybayan ang mga financial advice vids nyo po. God bless you and loved ones.

[@angelomanalo8821]

Congratulations po for reaching 1m! Very informative po ang content super thank you.. wag mapapagod sa pag gaw ng vid sir 😁

[@JohnmarkySegovia]

sir tanong kulang po, kong magkano lang po ang nabarayan example sa grocery yon lang ang babayaran kong kailan ang duedate

[@corpinnymteomer2607]

sir may laptop po akong credit card gamit then halagang 179,000 po xa every month po is 8k at limit po ng card ko is 40k yari po ba ako or not seaman po ako

[@JessaMarieNovelosoEscaro]

Ano po disadvantage kapag credit card ang gagamitin sa pagbabayad ng life and health insurance?

[@katc8131]

True, just use it wisely... Malaking tulong talaga... Use it humbly at huwag yabang...

[@Newuserpracticesinger]

Thanks po sir SA payo ❤️❤️🙏

[@MrBuknoy29]

Watching from S. California

[@jomztv6258]

Dami ko po natutunan at maiiwasan dahil sa mga advice at suggestions nyo.. pa SHOUT OUT naman po next videos nyo..GODBLESS sir😇😇😇

[@nitziececiliaducay6131]

First time cc user.. gusto ko po malaman pano po b magbayad ng montly bill sa cc? Thank you po sa sasagot

[@ericka_5856]

Ano pong magandang credit card for groceries

[@angelaarco8170]

Sir Chinkee, I'm not sure po if na discuss nyo na, pero which is better Car loan sa bank or sa manufacturer? (lalo na if di kaya ang full cash payment hehehe) tysm!

[@chinkpositive]

Angela, yung sa manufacturer through banks pa rin naman yan. Kung may cash, mas panalo kasi tipid sa interest.

[@angelaarco8170]

Thanks po!

[@Ciang_-fc4cq]

I have CC po sa MB, and nag request po ako na e waive ung annual fees... Yes, they agreed but everytime I used my card e wala na pong points na ma e-earn kasi dun daw po napupunta sa pag waived ng annual fees.

[@gersoncornelio2295]

Boss idol first time ko pong gumamit ng credit card Hingi po sana ako ng advice, salamat po

[@princessendrinal8970]

Ano Po bang bangko Ang mas convenient for savings bank? Smalat Po.

[@roeljaymangubat6190]

pwede poba bayaran lahat ng outstanding balance kahit expired na ang CC?

[@merrycrisbalcueva9901]

Kahit po ba hindi pa activated ang cc magcharge parin ng annual fee?

[@iamninaofficial]

As always very informative! Congratulations on reaching 1M sir! To more financial literate individuals in the future! Hope you can recommend specific credit cards for specific type of user.

[@chinkpositive]

Thanks Official Nina 1987! I don't want to endorse any company or product, I suggest you do your research or ask around. Tyvm!

[@sharmainfranco9576]

waiting for you video lalo na sa credit card na malakas mag rebate sa groceries.

[@zackbara4287]

Paano pagwave ng annual fees?

[@ricozomil6619]

Thank you sir Chinkee

[@mariacorazoncaraga9597]

Watching from Valenzuela City

[@CristineTot]

Very informative sir! Thank you! Dito sa Pilipinas, anong pinaka-ok na bank na nag ooffer ng credit card? recommendations anyone?

[@divinegracelaciste3290]

Citibank

[@angeliesantiago2094]

Rcbc kc they have 3mos installment 0% po may processing fee lng na 100 kapag magavail ka and eastwest okay din namn po I always ask them to waive the annual fee madali naman po magpawaive basta pay in full lagi un at least 4days before due date mabilis pa po tataas ang credit limit😊

[@ronaloufamular6506]

The best ang no. 10 very safe

[@netseloberes4022]

Hello mam paano Po ba makita kung anong number ung nasa lazada wallet ko mam ?

[@marialourdesmallari8423]

Thank you po

[@chinkpositive]

You're welcome

[@gretchenpejoto6853]

Sir anu po ba ung pa waved . May dumating kc credit card sa akin eh

[@IcelAdona]

Ginagamit ko sa business ko

[@jijo4833]

Leverage is key! 💯

[@RalphJhonHugo]

When ko po matatanggap yung billing statement ko? Yun kasi ang hinihintay ko to pay my bills po and also mas ok ba may bayad ng bills sa bank app ko or pupunta sa bank ko mismo? Thank you po sa pag sagot☺️

[@Jerishjan]

Same question, sana masagot.

[@ginskynenap]

Sir yongvcrrdite na inaplayan ko hinde dumating sa bahay..,..nong pag apply ko po kz nakaalis narin ako safe nman po b yon .honde magagamit ng iba

[@Georginabel]

Anong online shopping pde sa grocery

[@Angelicacorpuz3177]

Panu po yung waived ?

[@shih-ingjarillo8810]

Pede po talaga ipa waived yung annual fee? New cc holder here

[@kimberlypabalinas4902]

Watching here from Cyprus ask ko lng ko kc plan kopo mgkuha NG union bank credit card anu po MA suggest nyo po

[@krismontano9033]

Sir thank you for enlighten me about financial awarenes

[@chinkpositive]

So nice of you

[@ericbaligod1417]

may existing 2 CC na ako, then may nag offer ng mas malaking Credit Limit, is it a big factor pag mag lloan na ako sa bank for housing ang may malaking credit limit pag ginrab ko?

[@SenyoritaStoic]

Thanks for existing, Mr. Chinkee!

[@megcervantesspl1976]

This video will help us a lot. Thanks Sir

[@lrsilorio2239]

Hi sir ask ko lang po kung puwede po akong mag credit card minimum wage lang po ako

[@PinoyBlender]

Sir yung mga refunded purchases wala bang points yun? ty

[@audette1978]

very informative... Thank you po

[@chinkpositive]

You're welcome

[@kelleyellana875]

Sir thank u for explain the credit cards

[@chinkpositive]

You're welcome God bless

[@luzvimindaaniscol6381]

How much is the interest on cash advance next topic pls

[@jesiemendoza-f1g]

paano po kung di naman nagagamit ung credit card sir may babayaran parin ba

[@djpaulpark]

Cash po ba talaga. Diba po mas ok icredit card dhl sa points po kht may pangcash po paexplain po thanks po

[@Tethskitchennette]

hi mr.chinkee tan salamat po sa advice lagi ako nanonood ng video at ngbabasa😊

[@firstname1012]

pano po sa bdo na monthly ang membership fee? pwede ba yun ma pa waive?

[@christalyn7233]

Napanood ko po yung video nyo dati w/Ms. Bianca,nabanggit nyo po na iba pa ung emergency fund sa calamity fund...Kung ang "E" funds is 3-6 mos.,, ilan nman po ang advisable sa calamity fund?TIA

[@theflower3884]

Pag inactivate tapos hind nagagamit magakkaroon kapren ba utang

[@charzawesome6066]

Pano po mag check ng credit score Chinkeee?

[@archiebertillociar5416]

Thank you for Watching the 10 Ways To Maximize The Credit card.

[@chinkpositive]

Thanks all

[@archiebertillociar5416]

@@chinkpositive You're Welcome.

[@lolitlaborte7015]

May kapalit naman pag magpapawaive ng credit cards, they would tell you to spend worth 5k before they could waive the annual fee. Parati ganyan...

[@chinkpositive]

some dont

[@RusselPenyfold]

Sa bdo nung tumawag ako last month February 2022, 5k atleast para mapa waived nga.. kasi ginawa nila monthly fee 165/mo 😭😭😭 ayaw pumayag kausap ko ipa waived siya pala masusunod lol

[@ezekielroswell3904]

Hello po, what do it means na magpa-waive ng annual fee? Di kasi gaanong clear sa akin😅

[@yekaterina0116]

ipapatanggal ung annual fee. almost all credit cards have annual fee. BPI blue mastercard has 1550/year annual fee.

[@rosiosjack]

ideal ba credit card lage ginagamit ko pag nag grocery2x kasi my reward points kasi nakuha aya hindi nalang ako nagcash2x pero pgdating sa bayarin wla naman akong problema?

[@catalinamasangkay8660]

Pwede po gamitin sa bigasan business ang credit card

[@angelitodaanay3331]

Sir paano kung ang credit card is gagawin mo business like for example online seller ka yun ang gagawin mo puhunan para ibili ng product mo. Para sa Client mo. Ok ba yun.

[@ChristopherBalwit]

Sir pwed ba mag bayad sa credit card kahit pa wla pang duedate days palang bago mo cia ginamit at gusto mo ng bayaran dahil may pera kanang pangbayad please pwed po ba

[@Jerishjan]

Same question po?

[@kuyamarjun4781]

Sympre pwde

[@jeannieamores1439]

paano makukuha ang cash back .

[@janetierra0630]

Pano po malalaman kung maganda credit score?

[@jennifferulob7649]

Ano po ibig sabihin ng Cash advance fees? Thanks kuya Chinkee

[@shane881]

paano po magpawaive erequest lang po ba?

[@josedelapena7446]

Thank you

[@chinkpositive]

You're welcome God bless

[@madie7531]

sir paano kaya malalaman magkano pa balance ko sa credit card

[@PaoloFernandEstrabo]

Very helpful video .

[@chinkpositive]

Glad it was helpful!

[@giobelkoicenter]

paano sya ipa wave sir Chink?

[@yen3733]

Sa waived ng annual fees hindi lahat ng CC ng papa waived kya hindi ganun kadali magpa waived. . . May requirment na dapat mameet dpendi s BANK

[@Jerishjan]

Ahh ok thank you.

[@ayquerosalio3926]

Kung hindi mo masyadong ginagamit yung credit card di ba disadvantage yun

[@kimagraviador7762]

Gracias

[@susiecapistrano9446]

Hi Chinkee, as impulsive buyer I always left my CC in our house. I will use it pag may nakita na akong bibilhin ko.. dahil u pay on time and in full meaning have good credit standing can easily avail a Platinum card in which membership fee is free for life.. thank you for ur topic so others can understand how to use properly their credit card.. God bless..

[@marknicobornalo6621]

Sir chinkee, magkakaroon po ba kayo ng piso planner na 2021 ang start?

[@chinkpositive]

yes this dec