Best Credit Cards for Beginners 2023 in the Philippines

[@NoyFinanceVlog]

Download and Sign-up for an ATOME account now and receive FREE P200 Voucher from ATOME - app.atome.ph/s/03vmHyhF

[@wifiboss-ph9482]

Its a bit quiet challenging sa face verification I don’t know why

[@christiandavetantoy5921]

What is the BEST CREDIT CARD if you want to Buy a Motor Cycle and want to pay it thru installment???

[@peterangab5061]

Pwede po ba c ATOME sa motorcycle installment?

[@maricelsarmiento1335]

Very informative video who are planing to get a credit card

[@cheryl3461]

Nag apply ako atome card until now nasa waiting list parin..by invitation palang sila

[@mariepolsantos4457]

Thank you Noy! i'm 27 y/o pero now lang ako nagiging financially literate this video really helped me a lot to choose my first CC

[@kingLuckss]

hi sir, ano marerecommend mong best atm card na pwede gamitin local at international na mataas ang transaction limit? landbank at bpi pinag iisipan ko pero baka may mas maganda ka pang ma ssuggest. thank you sir

[@perteztv3249]

Yun oh si idol

[@soshifyme]

I agree sa RBank DOS kaso the problem is their CS is SUPER SLOW. In case na may dispute ka, super tagal maka connect sa CS, good 30 - 40 mins tas auto DC pa minsan. Tagal pa ng turn around time nila pag may problem ka. Pero the card itself is great, kasi pag may mga expenses ka na mejo hindi napaghandaan, automatic 2 payments sya. I have Unionbank Visa planning to close it if di napawaive ang annual fee. UB Visa is an OK card but not the best. Meron den me na Metrobank na Titanium and naka promo sila na NAFFL as long as naka 180K ka within 1 year. BPI Amore naman for cashback. Personally, I will go for Citi, BPI, Metro and RCBC kasi sa promos.

[@rexdador5280]

How many times na rin ako ng apply ng credit card sa ibang bank at lahat rejected. Pero ngayon Im so happy kasi parang ng apply ako sa RCBC nabigla nalng ako after 2 months may dumating na parcel sa akin galing RCBC flex visa card at umpisa nun sunod sunod na ang mga ng message sa akin thru email na qualify ako sa credit card at my second credit card is BPI blue master card.

[@rhica-maeranao55]

Online po kayo nag-apply?

[@mamaimiah]

Clear, direct and precise thanks sir!

[@truytayaba2415]

Yehey.. A credit card content. Thank you very much

[@NoyFinanceVlog]

salamat sa pag aantay :)

[@moijavier9658]

Pnka underrated na channel. More power to you sir. Ito ang content. Di yung mga taanga na tukomi

[@NoyFinanceVlog]

thank you so much po :)

[@runikkocarreon368]

Why hasn't the Philippines enacted a law to ban card transactions, instead encouraging the use of secure apps or QR code transactions in collaboration with banks for cardless transactions? This method, which includes intensive security features like facial recognition, fingerprint scanning, and security codes, could help prevent fraudulent transactions in case of loss or theft. If a password is forgotten, only bank personnel could reset it. While every method has its disadvantages, such as potential hacking or breaches, securing your account ultimately depends on your engagement with suspicious apps or fraudulent transactions.

[@HiRona338]

philippine is not that competitive when it comes to technology and philippines is always behind innovations.. more prone to hackers 😊

[@josephsayson3453]

ty dahil dito kumuha ako secured creditcard sa rcbc now waiting nalang ako for delivery

[@jesielyncalma907]

pagkaopen mo ilang weeks bago ka na approved?

[@bottleneckpieces922]

Yung AUB Easy requires a minimum monthly income of Php50k na po as of October 2023.

[@HanlimBrothers]

Best credit card of 2024 na bossing! 😀

[@jethEngine]

Tagal kong ng naka JCB Credit Card sa RCBC maganda talaga sa RCBC kaso natatawa ako sa kanila kasi gusto ko mag apply ng Classic Master Card lang ang daming hinihingi at tinatanong.

[@glennitsky]

yung atome. pagka send ko ng application may email agad na unsuccessful ung application ko. ang galing hahaha

[@MasterPandaBearChannel]

Why daw

[@NoyFinanceVlog]

may auto decline sila

[@RainHeaven]

after 1 year, meron na silang hinihinging income statement

[@rodbanate844]

Pwede ba sir mag on-line application? Sa credit card?

[@elycasinillo8656]

Kung may sapat na Pera ,,,wag ng subukan mangutang Kasi sobrang sakit sa ulo....Ang tubo Dito pambili na ng Isang sakong bigas....debit is ok forget any credit card....

[@indaybangis]

thank you for this wonderful information

[@NoyFinanceVlog]

welcome po :)

[@crisalferez6172]

Magkaboses kayo ni snow badua hehe. Very informative, ty

[@boringadude]

yung AUB easy po, may babayadan po sa kanya? (yung choice po na monthly, weekly, etc,..)

[@danwangiii50]

Good morning sir more video po sana sa rcbc flex 😁

[@migueltoledo6592]

Hi gusto ko lang e tanong for example lumabas na po yung SOA sa 16th of the month, meaning cut off na po yun diba? Tas ginamit ko ulit yung cc example 4 days after lumabas yung SOA ko, san po yun mag ccharge sa next cycle na po ba yun or ma aadd siya sa current SOA ko kahit cut off na.

[@YhanD-vd5dw]

Hello! Ano po maganda cc na for savings?

[@fleija9848]

Pano po nalalaman kung how much lang ang ibibigay sayo na credit limit?

[@maggisav6915]

Nag aaprove po ba si PNB ng credit card application kahit walng existing na cc?

[@gelc9041]

Helllo po - nonstop ang CC increase limit IF YOU PAY OVER THE BALANCE- you get good rates too- .48% from the usual .58 or even 1%

[@gelc9041]

Transfer your other card balances to your BDO Credit Card ending xxxx at 0.39% monthly add-on rate for 12 to 36-month terms. Offer is valid until Feb 28, 2023.

[@NoyFinanceVlog]

promotion po ba ito ng bdo? hehe

[@gelc9041]

Yes just to show if u pay over the ob. Currently my overpayment is 2k. Sitting there for 3 mos. Akala k .48 is the lowest int. Rate sa loan until got this fr bdo. U can share this sa subs to get D BEST RATES AND AUTOMATIC LIMIT INCREASE😊

[@sss-ru2uc]

@@gelc9041 baka sa bdo lnh po yan oag ng iverpahment ka mgiincreasr abg cl pero sa u ang bank hindi nman po

[@gelc9041]

not sure po what you mean, .39% na po ang rate ko (GET CASH), may SA account ako sa BDO mga 8years na PERO SMALL account holder lang po ako. BDO gave me cc po because of my record sa isang PH card issuer na ganoon din po ang strat ko pay OVER THE BALANCE , always may pa sobra. try nyo po😀 This is the first yr na mag ask ako to wave the ANNUAL, not sure if ma approve. I am ready to give up naman BDO. 39 is the LOWEST SO FAR, pero PA WAIVE KO muna annual ko bago ko pag isipan yang loan. I dont think so, lahat ng cc ko AUTO INCREASE at ayaw nila i close ko kahit nag request ako sayang daw. Accdg to SOURCES it is better to retain OLD cardholders than to get new ones kaya WAIVE po lahat ng annual ko , except BDO nga kasi i try ko pa lang.

[@marifebisnar355]

Next time po vlog ninyo,paano ma redeem ang points ng credit card.thnks po.

[@NoyFinanceVlog]

sige pwede naman. usually kasi via call lang sya :)

[@ren-leedavis8406]

Inaabangan ko talaga to yearly eh haha

[@gletzrald9145]

Hello! Di na po active yung mga links niyo sa description huhu

[@annalyngeronimo6340]

Sayang nakakailang installment na ako sa homecredit dapat kumuha nalang ako ng credit card noon pa

[@Kel-rp9cs]

Hello sir balak ko sana bumili ng mid range computer for gaming. ano po kaya pwede and best credit card and yung mabilis makakuha/approval. thnkyou

[@AbiGail-p9f9f]

Yeey, thanks

[@juicyginger2534]

Got mine a week ago!! 🎉 Thank you ATOME 😊

[@mystique8134]

How much po credit limit nyo?

[@jomariedumaplin4166]

Pwede ba maka loan for motorcycle yang rcbc security CC?

[@marvinmartin278]

Ang tagal ng processing nong RCBC Flex Visa na ina-apply-an ko. Last September 23 pa ako nag-apply, up until now wala pa ring update. Nag-email na ako ng ilang beses pero ang sabi still subject for evaluation. Nag-open na rin ako ng SA ko sa kanila last October. 😑

[@NoyFinanceVlog]

baka may problem kaya ganon. baka may problem sa system nila sa pag input ng data mo or something.

[@gtfo8319]

sa pnb zelo po ba need ng existing credit card or debit card sa kanila? di ko ma continue yung application

[@mariepazsalonga2790]

Hello po sir.. Asko lng po pwede po ba mag apply sa ATOMe kht my history ka 11 yrs. Ago

[@judithgonzales2297]

lahat ba ng CC na nabanggit mo pde sa installment ? like gusto ko kumuha ng cp for installment

[@iyahlibao9386]

Why hindi po ko maka reg sa PNB ZELO? Walang captcha kahit ano ulit ko ayaw any link san pwede?

[@baldozajoven3844]

Sir ask lang po of millitary po ang job negative po ba ma approve sa Kahit Anong bank

[@jenalynvera8408]

Bakit Po kaya nde Ako na approve sa atome credit card

[@reynardpatagan6375]

sir anong banko poh ang pwede ma applyan ng credit card isa poh aqng OFW.tnx in advance

[@kimbryanbitara6580]

Hello sir sa BDO Po ano maganda for beginners may pre approved kc Ako BDO gold visa

[@samkayadtog17]

Ano po gamit niyo na credit card?

[@enzoofficialx]

More power sir noy!!!

[@NoyFinanceVlog]

salamat po :)

[@maryannsalessacramento5561]

Hello sir. Pwede po ba magpatulong sa inyo kung ano ang credit card na pwde para sa akin. First time po ako gagamit ng credit card. Andito po ako sa Hongkong sa ngayon. Sana po mapansin nyo messege ko. Thank you po😊🙏

[@bjancheta8820]

Hello po. Sabi nyo po sa video meron po kayong security bank classic cc. Ask ko lang po sana kung waivable po ba yung af nya bukod po dun sa waived af for the first year?

[@NoyFinanceVlog]

gold na yung security classic ko, but sa gold card napapa waive ko sya, but again depends if you meet kung anog mang criteria nila.

[@bjancheta8820]

Thank you so much po

[@HeavenWan]

Sana ma approve yong bpi blue card application ko. ☺️

[@anreboquinquito4017]

Okay po ba ang BPI Amore classic? Salamat po sir

[@alloutmusic5069]

Good day.. ikaw sir for first timers what is your recommended credit card?

[@BiancaMacalindol]

HELP, why hindi po ako makapagproceed sa online application ng PNB ZeLo????

[@nashlopez5107]

ngagamit po ang credit cards sa pgbayad sa utang din sa banko

[@AbiGail-p9f9f]

Ano cc ang mataas mag bigay ng credit limit?

[@maryjoydosdos]

Hello sir may card control ba ang CC Atome enable international? e-commerce? Sana ma pansin tanong ko. Thank you

[@NoyFinanceVlog]

most probably meron yan hindi ko lang sure kasi wla pa talaga ako nung card hehe

[@Alibadbad]

is it required to sign the back of the credit card? do merchants rejects transactions if a card doesnt have sign on the back?

[@NoyFinanceVlog]

its more for your security. hindi naman nila nirereject

[@christianbitago6541]

Sir Noy, I'm a beginner po sa pagkuha ng Mastercard. Alin po sa mga cards na to e yung pwede ako mag Installment for 12months? Need ko lang po ng Cash to fund something. Thank you

[@NoyFinanceVlog]

for installment ng 12mos, naka depend talaga yan 1. sa credit limit mo, kung yung bibilhin mo is pasok sa avaialble credit limit mo. 2. if yung merchant kung san ka bibili is my partnership sa bank mo ng 12months intallment. hindi talaga sya sa card naka base lang.

[@CristineMacmac-qu1ti]

Sir tanong ko lang po ano pong cc na pwdi sa tulad ko na bago palang nag babalak kukuha ng cc salamat po

[@gtfo8319]

Ano pong cc yung 6months to pay for 0 interest po? Bibili po ng ticket sa sm for concert po.

[@rjdc8403]

Sir nag earn po ba ng Credit score ang Atome Credit Card ? And pwede po ba sya maging reference sa ibang credit card application ?

[@arjiebernabe-sb6op]

Sir good eve..okay po ba kumuha Ng credit card thru moneymax?thanks

[@eljaysicat4776]

Hi po , question lang yung Robinsbank DOS card po ba is Classic ? nakita ko kase sa website na dalawa pala sya isang Classic and Platinum . Thank you

[@savage_0217]

2 type talaga si Rbank DOS. Difference lang ng dalawa sa physical card is yung classic medyo faded yung black or blue print tapos yung platinum darker at my name na platinum sa front ng card.

[@thirdiringan8828]

Thanks!

[@NoyFinanceVlog]

Thanks :)

[@royalchima4231]

Hi sir new to your channel what credit card can you suggest for Seafarers? Thank you!

[@jesellemorato8491]

Hi. Can u make a vid about security bank cc gold pros & cons . Thank you

[@NoyFinanceVlog]

sige tignan natin :)

[@christiandavetantoy5921]

What is the BEST CREDIT CARD if you want to Buy a Motor Cycle and want to pay it thru installment???

[@NoyFinanceVlog]

ask the merchant anong card ang nag ooffer sa kanila ng installment. hindi kasi lahat yan. and syempre, since hindi small item ang motor, if first card, baka maliit ang intial credit limit

[@koyatoystv]

Sir tanong lng pwedi bha gamitin ang credit card pag kukuha ako ng motor loan

[@BigTRTv]

Hi sir but if you use atome on shop atome functions as debit

[@olorocj82]

Hi Sir Im just new to your channel, I just wana share coz last August 2022, I applied for PNB secured cc ...and recently this month I was approve a regular credit card from HSBC ano kaya yun mga factors is it because I always use my pnb and always paid in time and in full.kc Before meron akong cc from EW back then 2010 and un un pinakauna ko na indi ko naisettle and indi ko namanage ng maus

[@NoyFinanceVlog]

im not sure lang po. lalo na kung hndi mo na nabayaran yung EW mo, mejo wierd na bngyan ka ng HSBC ng card pero kung gnon alagaan mo na :)

[@kingabedinkali9104]

Hello po. What are your thoughts about BDO Gold po?

[@lositodelacerna3279]

hello po ask lang po pano po mag apply ng credit card pupunta po ba dun po mismo sa mga credit card bank po mismo para mag apply mag try lang po ako isa ako motorcycle taxi driver freelancer po sana masagot thanks

[@sheilamarie1132]

Hi po ano po best CC gamitin for purchasing gadgets ( 6-12 months installment)

[@josephsayson3453]

ff

[@hannaha6482]

Hello po. I applied for a credit card po sa BPI. Ano po mangyayari po if dumating na yung card and I decided not to use it? Will I still pay annual fees?

[@AWESOME-ji9uc]

they will close your card kapag hindi mo ginagamit

[@yohw]

Magmumulta ka po. Char 🤣

[@dinzdelfin7504]

Hi sir ask lang kung mgkno anual fee ng blue amex credit card. Dkopa kasi inaactivate e 1st time ko lng mg la cc. Thankyou sana mapandin

[@andresmontes9850]

Si atome ba pwde sa motorcycle

[@kuradang4080]

Hello po, pwede po kaya gamitin c ATOME as support details po pag nag apply citibank simplicity for for first timer po? or consider napo ba si ATOME na cc talaga like ng secured credit card?Thank you po.

[@NoyFinanceVlog]

si atome is a credit card na tlaga. pwede mo din sya ilagay sa ibang application mo

[@juvelpactol1071]

Hi po online application po ba angbank commerce po?

[@YanzOrtega]

Sir ano maganda sa dlawa for begginers ..pnb or rcbc?

[@jeromelimin3088]

Saan naman po magbabayad kung maaproved sa atome card?

[@jethcruz4462]

ask ko lang bakit sa site ng rcbc ang need na monthly income sa flex visa is 19k above

[@annarimado7232]

Hello po pwede po malaman ano po magandang credit card na pwede I withdraw to cash for beginner with no annual fee

[@elizabethtulba5602]

Ff

[@kingabedinkali9104]

Ff

[@unicorn9129]

Hi po, I just got my BPI blue mastercard. I have a car loan po sa RCBC and we normally pay before as bank transfer from our bpi debit account to rcbc. If we use our blue cc, may bayad po ba or interest if we do balance transfer to other banks or cash in to gcash?

[@NoyFinanceVlog]

you mean cash in from credit card to gcash?

[@clydebajamundi9381]

Hello Kuya Noy, new subscriber here. I got my first credit card which is BPI Blue Mastercard, ask ko lang yung sa 100% Bonus Madness Limit niya, applicable ba siya kahit beginner ka lang? Sana po masagot. Thanks!

[@hananibels]

Bakit po kaya ayaw magproceed nung application sa PNB? Palagi pong sinasabi na "Sorry we are currently unable to service your request" 😢

[@alfrembautista9916]

sa Online po ba nila to mam? same sakin, tpos tyambahan kong successful na daw wait nlng ng response… pero naisip kong ipa cancel yung application kaya tumawag ako, turns out wala namn daw akong na submit na application 😂 Best is mag walk-in na lng po sa branch, I have another experience mag apply sa branch rin marami lang gustong requirements ng PNB pati COE ko hinahanapan, inadvise pa ako na mag open ng savings account sa kanila. Pero di nman po ako na approve. Pero depends mam bka mas ma approve kayo

[@NoyFinanceVlog]

not sure lang po. if ayaw po nung link na sinend ko i think pwede nyo din sya search online. ako kasi online lang din nag apply sa pnb

[@hananibels]

both search and use your provided link po ang ginawa ko kaso ayaw talaga. nagtry po ulit ako kanina, ganon pa din. 😟

[@pilipinassportstv622]

maybe mag rekta ka na po sa mismong pisikal bank po nila

[@rossanacodilla4749]

Kapag nag purchse kapo ng straigth payment kelan sya mababayaran? And need ba ubusin yung limit in a month?

[@bryanboholst1965]

Sir Noy, waiting for your vlog BEST CREDIT CARD FOR ONLINE SHOPPING 2023. Thank you

[@NoyFinanceVlog]

noted po :)

[@maebenbing64]

up

[@fredierickcristobal8770]

Sir Noy, if ever I used BPI blue mastercard for installment for 12 months pwede po ba ako mag advance payment?

[@NoyFinanceVlog]

in full? you need to preterminate the installment pag ganon

[@normanphilip15]

Hello sir. Ask ko lang po meron po akong BPI blue mastercard and BPI Amore Cashback. Advise po sakin ng BPI is i cancel ko nalang daw po yung amore cashback kasi mas malaki ang annual fee nya and mas okay daw gamitin yung blue mastercard. Ano po ba ang gagawin ko sir Noy. Thanks po

[@kimbryanbitara6580]

For mas ok Ang Ang amore Kasi Yung naiipong cash back pwedi mo e pang bawas sa bills tsaka nag papa waiver Ng annual Ang BPI kung d Naman ask ka Ng ibang ways like 50% off sa blue Hindi ka masusulit Doon walang cash back 500 lang Naman difference nun maka 13k spend ka grocert may 500 kana

[@1djose]

Why security bank is included here. Ang taas ng asking gross annual nila.

[@alexisopoc]

Im a seafarer then currently onboard, Can i apply through online?

[@AnnPinedaVlogs]

isnt security bank automatic installment? is it also no annual fee? thansk

[@NoyFinanceVlog]

i think that's security bank next mastercard.

[@sanchezaronjoshuag.6356]

Link ng rcbc secured credit card sir?

[@clairedejesus8175]

Regarding sa rcbc instacard, ma wi-withdraw ba anytime yung dineposit mo na pera sa account?

[@silviabasio3311]

No po.

[@judithgonzales2297]

Bakit wla ung security bank classic sa pag ppilian online?

[@chacharlungz6908]

consider po ba na secured CC ang HEXAGONCLUB ni rcbc?

[@NoyFinanceVlog]

i dont think so. i think hexagon club is a club for big depositors ng rcbc. so although may minemaintain silang balance sa account nila, hindi yun dahil para maka kuha sila ng credit card. madami pang benefits kasi yun.

[@gretchenpejoto6853]

Saan po magbabayad for atome payment

[@olivergingco1955]

Sir pa advise naman San ako pwede mag inquire or San ako pupunta para ma claim kopo Yung BPI credit card ko.. di pa Kasi na deliver hangang ngaun po at lagpas na kasi din sir sa binigay na delivery date, thanks sir.

[@jebjeb2022]

May ideposit ba ang bpi credit card kung mg apply?

[@gracevertudez]

Ilan days po ba malalaman kung approved o disapproved ka s credit card

[@gtfo8319]

sa website 50k monthly income ng aub easy?

[@jugglerbar-zc1re]

Paano po mag apply ng robinsonsbank

[@asinasipugaw3881]

May cc po ba na walang initial deposit or kahit 5k lng para sa 1st time sana magapply ng cc??