Best Credit Cards for Beginners in the Philippines 2022

Best Credit Cards for Beginners 2022.
It's already 2022 and we need a new list for our Best Credit Cards for Beginners. We have the same video last year, but since there are a lot of new credit cards, changes in some credit card features, and other credit cards will be gone soon, we need a new list for the Best Credit Cards for Beginners for 2022.
So if you're looking for your very first credit card, you might want to check this video out. All credit cards I mentioned in this video accepts beginner credit cardholders, earning P30k monthly and below, at least 18-21 years old.
Here are the list of credit cardsI mentioned in this video:
1. PNB Zelo Mastercard - 02:06
2. Unionbank PlayEveryday Visa - 03:19
3. RCBC Bankard Flex Visa - 04:18
4. AUB Easy/Classic Mastercard - 05:28
5. Robinsons Bank DOS Mastercard - 06:37
6. EastWest Visa Classic - 07:50
7. Metrobank Rewards Plus Visa - 09:31
8. BPI Amore Cashback Card - 10:37
9. BDO Blue from American Express - 11:43
10. BOC Classic Mastercard - 12:46
____________________________________________________
💳 CREDIT CARD APPLICATION LINKS 💳
____________________________________________________
UNIONBANK CREDIT CARDS: ZERO annual fees for life!
✅ UnionBank Rewards Visa Platinum
- apply.creatory...
✅ UnionBank Cebu Pacific Gold
- apply.creatory...
METROBANK CREDIT CARDS: FREE ₱2.5K eGC, Xiaomi Soundbar, Mi Band 8
✅ Metrobank Titanium Mastercard
PROMO: ZERO annual fees
- apply.creatory...
✅ Metrobank Platinum Mastercard
PROMO: FREE 310,000 reward points!
- apply.creatory...
✅ Metrobank World Mastercard
PROMO: FREE 300,000 reward points!
- apply.creatory...
HSBC CREDIT CARDS: FREE ₱2.5K GC or Dolce Gusto Piccolo XS
✅ HSBC Red Mastercard
- apply.creatory...
✅ HSBC Gold Visa
- apply.creatory...
✅ HSBC Platinum Visa
- apply.creatory...
SECURITYBANK CREDIT CARDS: FREE ₱2.5K eGift, Sony Wireless Headphones, or De'Longhi
✅ SecurityBank Gold Mastercard
- apply.creatory...
BPI CREDIT CARDS: Annual Fee Waiver Forever
✅ BPI Cards
- clk.omgt3.com/...
OTHER CREDIT CARDS:
✅ HomeCredit
(Buy Now Pay Later)
- clk.omgt3.com/...
____________________________________________________
💳 FREE CREDIT CARD SERVICES 💳
____________________________________________________
✅ CREDIT CARD RECOMMENDATION:
bit.ly/NFCredi...
We'll help you identify the NEXT Best Credit Card for You.
*for existing Credit Card holders only.
____________________________________________________
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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
____________________________________________________
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Thank you guys and God bless!

[@NoyFinanceVlog]

Guys if meron kayong gustong ihabol sa list natin, JUST COMMENT IT BELOW :) Hope you follow our page as well sa FB - facebook.com/NoyFinanceBlog/

[@EZLife736]

Security bank

[@winefredogarcia5710]

Hi po sir Idol anong credit card po pwede gamitin for international transaction may ganun features po ba yan sila?

[@babuuoomhegz2950]

Kuya tanong lang po yung visa card po baby do to say Saudi nagagamit po din po ha sa pilipinas,dito gawa sa saudi

[@bikolanasMixedvlogs9042]

Pwede po mag apply sir....ofw from poland po ako

[@rheamaranan3561]

Pwede po mki hingi ng link ng Metro bank visa card. Thnaks in advance 🙏

[@raffyjunp]

Been looking for this video. Thank you so much sir. It's a great help for beginners like me :)

[@chaopanofasia8490]

I think you should included Rbank's Prulife U.K Classic

[@markethansarte2797]

Salamat na nakita ko yung videos mo sa mga katulad ko na nag babalak kumuha

[@genesistumamao2479]

Eastwest is on top of the cc pyramid…started with classic 52k limit lang then after 1 year, they bumped my limit to 500k…so yeah not flashy but absolutely worth na cc…

[@JordieAndes]

Ano po requirement to get approved sa EW cc?

[@ebzanian7089]

Paano ma increase ang credit limit ng ganun kalaki?

[@genesistumamao2479]

@@ebzanian7089 initially I called cs nun feb kasi it was the anniversary of my cc, Wala naman requirements na hiningi…then after few days na increased naman ng 20k, then march auto increased to 275k then auto upgrade to gold. Then april another auto increased to 500k so I requested to convert to mc platinum, I’m not sure what happened but I suspect, nagrequest din kasi ako ng increased sa isang bank nun january and I provided my updated ITR, maybe they updated my income sa transunion and nakita ni eastwest?

[@NoyFinanceVlog]

nice one bro!

[@genesistumamao2479]

@@NoyFinanceVlog ang nice ni eastwest bro 😂😂😂

[@HanlimBrothers]

Sir nag offer saakin si metrobank ng M Free mastercard last week, then application received daw ng friday night via email. Then monday afternoon, approved na agad tapos may email nadin si MSOA, kaso based sa reviews mo now mas need ko ata ung rewards plus na card, pwede ko ba ipa upgrade agad? Thanks in advance

[@NoyFinanceVlog]

pwede mo siguro itry . im not sure lang kung pumapayag sila sa ganon. dko pa kasi ntry.

[@mainerotiquio7113]

Same tayo Sir , first CC ko din is Eastwest Classic Visa 😊 Ang bilis nila mag increase ng Credit limit 😊

[@ljsanny4642]

hi po paano po kau ng apply for cc need po b may savings muna?

[@mainerotiquio7113]

@@ljsanny4642 Hi, thru online lang po eh. Wala naman po ako savings ng ngapply ako.. Nagulat lang ako, ngmessage Eastwest na approved na for CC, nung before pandemic 😅

[@johnwilfredsaylon9131]

​@@mainerotiquio7113 maganda po baaa?

[@rhvlogs9463]

paano at saan ka po nagapply? online lang ba?

[@rolandocauntoy4803]

Hi Po.. EWB beginner holder Po Ako.. No Annual Fee for life na Po ba Yan ma'am.?. Or need pa Po itawag sa kanila para Ipa waive?. Salamat Po.

[@kaila98g]

Hi po! I happen to see your channel while looking for financial related videos here on KZbin. For context, I graduated last June 2022, and landed a job this February 2023 after taking the board exam. Now that I am earning, I wanted to ask, how did you grow your knowledge regarding Financial Literacy? Is there a book, on investment, insurance, credit cards, stocks/trading and cashbacks. Like I see alot of topics regarding these and I feel so overwhelmed with alot of these informations. I don't know where to start, how to start or can I even start with just an entry level salary. May I ask if you have a playlist here on KZbin on these topics for beginners or even up to advance levels. Please help and educate me. 💔😭

[@spacewarriors5175]

si citi simplicity, pag na acquire na ni unionbank same parin daw ang benefits ams services as assured by unionbank senior officer

[@NoyFinanceVlog]

ahhh talaga? saan nyo po nakita para magamit sa susunod na content hehe. same benefits but not same card po tama?

[@spacewarriors5175]

@@NoyFinanceVlog sa anc news at manila bulletin 6:26 kzbin.info/www/bejne/eYK3mKV_edt_p68

[@NoyFinanceVlog]

nice thanks thanks :)

[@bakasijohn-denverv.1738]

ano pong magandang card para sa paymenth method ng ads sa fb?

[@NoyFinanceVlog]

parang wala naman. ako gcash gamit ko don.

[@badmango4555]

Thank you!

[@NoyFinanceVlog]

You're welcome!

[@markaxelmolina2599]

Kailangan po ba may personal savings or debit card ka sa particular bank na pag aapplyan mo ng credit card? Thank you po+

[@NoyFinanceVlog]

hindi naman po

[@chirennapassion]

how much po need na savings s banko n gusto mo aplayan ng credit cards pra maapprove..?kc halimbwa po bago plang ako mag open acct.taz 1k plng savings doon.pwd n po ba mag apply mg credit card?😊

[@samismiles.05]

Hello po, ask ko lang po. Kung yung total amount due mo is 5k tas yung minimun amount due is 400. Yung 400 lang po ba yung babayaran and next month babayaran mo yung remaining? Since wala namang late fees yung zelo okay lang po na ma late sa pagbayad.

[@NoyFinanceVlog]

pag total amount due is 5k. meaning yun dapat ang byaran mo sa due date. walang late payment fee pero may finance charges. magkaiba papo yung late payment sa finance charge. kzbin.info/www/bejne/kHy4lnh6Zd6kl7c&lc=UgxRYVLrCnHEZym92ep4AaABAg

[@DrueFernandez]

Hindi ba maganda yung BPI Blue Mastercard for beginner?

[@denzcruz8778]

I'm a small earner employee, I'm new to credit cards. All the credit cards that I want to try requires higher annual net income. I'm earning roughly 155k. Any suggestion

[@NoyFinanceVlog]

155k annually or monthly?

[@michealmuga1658]

I use my us bank cash +mostly for spend at Best Buy . Most cards won’t bonus bby

[@shawnkendelpilar7987]

Given my experience kayo sa east west bank question ano mas maganda yung east west practical card or yung 1st master card?

[@NoyFinanceVlog]

wala akong experience sa 2 card na yan actually. pero upon checking parang ang lamang lang ni practical is the annual fee na pwede ka mamili kung papano ibill sayo. given that, i guess its better if you apply for both nalang.

[@JustAnotherRandomGamer]

Ano po ibig nyo sabihin na nanganganib mawala si Citi Simplicity card?

[@siraries1319]

Sir new subscriber here, ask ko lang po yung about sa Union bank play everyday meron po ba itong annual fee? How much po kaya kung meron po?

[@NoyFinanceVlog]

1500 po ata yan

[@KatzBuen]

Hi, interested in applying? - unionbanker

[@dylanbalagtas6444]

Just want to share my exp, as a first time credit card owner i targeted for an amore cashback cc Note: im working a 30k/m job, and have a saving account in BPI Applied from April and recently just received it this month but got the blue mastercard instead of the amore

[@NoyFinanceVlog]

not bad for your first card!

[@sexyjhunoalmadin3870]

May supplementary ecredit ka din ba

[@NoyFinanceVlog]

supplementary na ecredit? wala po.

[@jeremiahr3615]

@@NoyFinanceVlog is BPI Edge good than Blue?

[@allen8727]

Sir, question po. 2 months palang ako sa current work ko, mataas ba chance na mareject ako?

[@leizellegaspi688]

Up

[@rosannaegrapia9464]

Hello sir tanong ko lang po is my cc is on 40k credit limit if i purchase 20k of gadget via installment total amount po of cc to minus on your limit or your monthly payment

[@AbiGail-p9f9f]

May 2023 na ba? haha

[@kriztineclairedeguzman1290]

hello sir, may idea po ba kayo about secured credit cards? those na mag dedeposit ka then you'll get a credit card against it...

[@NoyFinanceVlog]

yup you can check this out kzbin.info/www/bejne/mJWZgKapqqyZsK8

[@weslycrisostomo928]

Sir pano ba malaman kung anong credit limit dun sa BOC classic or gold mastercard? Thank you!

[@NoyFinanceVlog]

applyan palang ba?

[@weslycrisostomo928]

@@NoyFinanceVlog yes sir Noy.

[@koreanmovie5391]

hello po tanong ko lang kung pwede po ba akong ma approve kahit OFW po ako nag apply po kasi ako online yung iba we Cannot process daw po yung iba pending pa. by the way nasa korea po ako ngayon. and what is the best card for me yung may rewards po like TRAVEL, UTILITIES, DINING AT SHOPPING thank you po

[@NoyFinanceVlog]

Pwede nyo po check video ko dito kzbin.info/www/bejne/m4OVlXqXh7x0i68&lc=UgytRreRVyrZLdF9TZB4AaABAg may question po jan about sa OFW pag apply ng credit card.

[@hectorpalomasjr.1561]

Hi just watched this po, i have an account sa BOC and planning to apply a CC din sa kanila po. Zero annual fee po ba sa kanila ang cc?

[@NoyFinanceVlog]

merong annual fee ang BOC

[@jespedraza7332]

Hi newbie here question statement due ko is every 12th of the month gamit ko is citibank rewards cc Ask ko lang when ko babayaran ung bill ko?

[@NoyFinanceVlog]

you can compute for the due date if alam mo yung number of days after cutoff date. if hindi mo sya makita, its better to wait for the soa

[@hanzhail]

Feeling ko kapag alam nilang sa bpo ka nagtatrabaho auto reject sa application. Yung asawa kong walang trabahaho apat o lima yata cc niya. Akong 6 years na sa trabaho with a decent salary di ma aprove aprove ng kahit anong credit card. Hahaha

[@NoyFinanceVlog]

minsan may mga ganyang discrimiation din talgag sa banks

[@AmorVillasica-yc3dq]

Paano po malaman ung PIN mo sa new credit card po

[@colette6242]

Hello po, any recommend best and secured na credit card for 18 below?

[@haroldcalubiran3219]

AUB Easy/Classic or PNB Zelo secured credit cards. Both walang annual fee.

[@chloejheizmacapagal7492]

Hello po.. Tanong ko lang po saan po pede magamit yung mga cashback/points.. Thankyou sa pagsagot..

[@NoyFinanceVlog]

cashback normally yan inaaply na yan as payment sa card mo. for points naman usually merong mga catalouge ang banks kung saan mo pwedeng gamitin ang points

[@jamestura858]

may CC po ba na convertable sa cash? thanks

[@NoyFinanceVlog]

there are credit card features that can do it like cash advance, and yung katulad ng cash2go ng metrobank. that of course will incurr interest.

[@abigail8417]

Sir how about YCG from RCBC Bankard? Gano po kaganda yun?

[@nti-scam]

Tito Ray meron secured credit card si security bank oks rin for beginner more rewarding 1st years wave annual fee

[@NoyFinanceVlog]

tito ray nice hehe. nice. kaya lang mga regular cards kasi ang nilagay ko dito :)

[@marijoekate]

thoughts on the pnb visa classic credit card po?

[@NoyFinanceVlog]

ok naman ang pnb visa classic jan ako nag start sa pnb

[@arjiebernabe4541]

Sir okay po ba Kung sa money max mag apply ng credit card? Totoo ba Yung mga welcome gift Nila like gcash. Thank you

[@NoyFinanceVlog]

tingin ko naman. itong link ko for Citi is from moneymax actually bit.ly/NoyFinanceCitiSimplicity

[@Pauljack2370]

Sir ask ko lng, what to do if hindi kaya ng CL mo yung gusto mong i purchase. Ok lng ba na mgpay k ng advance sa CC pra additional sa CL mo? Hindi ba ma charcharge as overlimit fee?

[@NoyFinanceVlog]

magiging over payment sya instead of over limit. pero kung ganon, pwede mo din kausapn yung merchant, if hindi online ah, na partly cash partly charge sa card yung purchase

[@MelanieSibal]

Sir, can I apply sa citi bank credit bank po kahit wala akong savings card with them

[@Bryysanity]

Ano po pwedeng bank na pwede applyan ng CC for individuals with income 16k below? Thank you po. Please sana mapansin.

[@NoyFinanceVlog]

usually ang hanap ng banks ngayon nasa 21k above if walang history

[@jhonjushuaguevarra7771]

I am earning 40k a month pero lagi na dedeclined for CC :( no delay naman mga bills ko na naka pangalan sakin.

[@NoyFinanceVlog]

noyfinance credit card recommendation po baka maka tulong :) us17.list-manage.com/survey?u=9fcbae3191773681dfbcdcd72&id=8fd6df6925&attribution=false

[@yeah.movement]

May fixer ba dito for AUB Easy Mastercard? Ang hirap makakuha ng card na yan kahit cc holder kana

[@NoyFinanceVlog]

fixer? may ganon ba sa credit cards?

[@renzyblanqueza9803]

Wala ba credit card na pwde ka mag loan ? O yung credit limit gawin cash at ilipat sa gcash ? Habol ko lang kase mag loan ng pera, di naman ako pala bili at pala gastos. May pag gagamitan lang din akong assets, kaya kung maliit lang din interest, win win saken yun

[@NoyFinanceVlog]

some banks have this kind of feature.

[@mikkoabamonga882]

Hi Sir Noy, why sa pnb zelo ayaw mag proceed ang online application laging error sa once click yung submit.

[@NoyFinanceVlog]

im not sure baka may problem sa website nila

[@geraldineilustre3166]

Hello po ask lng po ung bpi cc credit limit na convert to cash po..yng limit po ba ng card maibabalik po b agad salamat in advance

[@NoyFinanceVlog]

nababalik po ang credit limit kapag nakakapag bayad

[@rollyeballe4890]

Hello po sir. Question po. Plan ko po kumuha ng credit card. Seaman po ako. Tanong ko lang po, if ever nasa barko po ako, possible po ba na magamit ni misis ung credit card ko like sa mall, groceries etc? Hope masagot nyo po. Thank you 😊

[@NoyFinanceVlog]

better to get a supplementary credit card for your wife bos. kasi hindi niya pwede gamitin yung card na name mo ang nakalagay

[@heylhans257]

How about master card from union bank sir

[@kayceecagara5171]

Can you apply a credit card in a certain bank without opening a savings bank sa knila?

[@excellent88]

Yes.

[@princessjoaninguito4768]

Anong bank po kaya ang mabilis mag approve ng CC for beginner? Nag apply ako cc sa Sec bank kasi may bank acct ako don, na decline ako. Hehehehe. 21k income.

[@NoyFinanceVlog]

mejo mahirap kasi tlga pag beginner po kaya madami din nag start sa secured

[@azshloreshadows1396]

Meron Po bang termination fee Ang cc? Thank you!! If Meron Po, Meron Po bang cc na Wala?

[@NoyFinanceVlog]

wala naman po

[@monkeyrivera5698]

sir tanong kulang sana mapansin mo tong kunting problma ko,pano sir kung nd ko nagagamit ung cc ko simula nung nakuha ko pero na activate kuna mgbabayan parin ba ako salamat sir sana masagut mo ung tanong ko sir,

[@NoyFinanceVlog]

Hello pwede nyo po check dito nasagot ko yan dito kzbin.info/www/bejne/m4OVlXqXh7x0i68 :)

[@jasonsantos9595]

Hi po paano malalaman kung magkano annual fee ng isang credit card depende po ba sa cash limit ng card

[@NoyFinanceVlog]

pinaka madaling way po sa website ng bank, makikita don yung mga fees per card

[@johnwilfredsaylon9131]

Bro question. Bat pag nag apply ka sa BDO ng credit card online and you provide all the information they needed di sila nag tetext or tawag. And pag want mo na icheck yung status di lumalabas sa site nila and sinasabe na di nag eexist yung govt number na prinovide mo lmao

[@NoyFinanceVlog]

hindi ko lang sure bakit ganon. baka may problem sa website nila

[@johnwilfredsaylon9131]

HM limit sa bdo credit card na nabanggit dito sa video? I have bdo acc but this is for my employment lang. Can I still apply for CC?

[@NoyFinanceVlog]

Hindi sa klase ng card naka base kasi ang credit limit bos. Dito mas inexplain ko kzbin.info/www/bejne/m4OVlXqXh7x0i68

[@reymundfuntanilla3177]

Kadarating lang po Ng cc ko sa PNB, paano po kung ayaw ko sya activate? Ano po mangyayari?

[@NoyFinanceVlog]

nasagot napo

[@shizzysly1217]

Kapag di po approved yung isang cc application ko, how soon can i apply sa other banks naman?

[@NoyFinanceVlog]

you can apply din naman agad. pero if same bank hindi pa . usually after 6months

[@anjoenriquez2463]

Hinahanap ko din toh. HAHA.

[@chaopanofasia8490]

Ayoko na ng PNB sobrang barat/kunat sa credit limit increase.

[@honeykylepangilinan7723]

2023 naman po 😅🤣

[@NoyFinanceVlog]

oo nga pala haha

[@julmaskitchen7280]

can i use credit cards for fb ads payments?

[@NoyFinanceVlog]

yup pwede

[@jennielynviola8945]

Is bdo shopmore card not good? Planning to get one pa naman

[@NoyFinanceVlog]

ok din naman. na feature ko nadin sya sa best credit cards for beginners

[@jennielynviola8945]

@@NoyFinanceVlog thanks so much po :) is it good for travel as well? Also any advise on how to waive annual fee for the shopmore cc?

[@NoyFinanceVlog]

parang wala syang extra benefit for travel. pero still earn smac points naman. ako tinatawagan ko lang sila to request :)

[@jennielynviola8945]

@@NoyFinanceVlog thank you po uli huhu pero if may recommended po kayo na other brand ano po? First time ko lang po and i will use it lang sana sa pagkuha ng brand new phone kaso nagdalawang isip ako sa shopmore cc ng bdo since yun nga more on smac points advantage lang. 😁

[@NoyFinanceVlog]

check mo yung bdo website for their promos sa mga gadget store. usually meron yang mga freebies. and ang bdo credit cards meron yang mga 0% installment sa mga gadget stores

[@michelleadan15]

Hi po. Ofw can apply cc and what requirements for ofw

[@NoyFinanceVlog]

you can check po sa mga banks na nag ooffer ng ofw credit cards like bpi

[@fernelinga3986]

Magkano ba annual fee ng pnb credit card, yung blue po.ty po

[@NoyFinanceVlog]

nasa website po nila yan

[@sheenygailtiamzon3836]

Hello po, how long does it take para malaman na declined ka sa bank for cc application?

[@NoyFinanceVlog]

usually around 2 weeks po siguro? pero misnan kasi hndi na nag nonotify

[@antoniootic7710]

May monthly fee narin 200 sir sa BDO CC?

[@NoyFinanceVlog]

usually naman yung annual fee nila gngawa lang nilang monthly. para daw mas mabilis maka singil lol

[@emmanmalabayabas9698]

Sir noy bakit po nawala ang Gold card ng metrobank. Parang bglang nawala nalang..🤔.?

[@NoyFinanceVlog]

yup yung gold ko dati gnawa nila yung rewards plus. im not sure why

[@thevillaruels5013]

Sir noy ask ko lang po .bakit po kaya yung bpi atm app ko ay nagkaroon ng credit card outstanding balance kahit na hindi nmn po inaactivate yung credit card 😥

[@foryouandformeme2055]

mayroon po ba kayong mairerecomendang credit card na good okay din for international transactions? tas salary a month lang is 8500 lang? salamat po

[@NoyFinanceVlog]

for international transaction usually BPI mababa ang mga forex rates. but when it comes to income requirement kasi parang pinaka mababa na nakita ko is 10k a month

[@johnwilfredsaylon9131]

bat yung BDO mag tetext lang na tatawagan ka pero never tatawag lmao. I have savings acc naman sa kanila ahaha

[@NoyFinanceVlog]

baka automated message

[@christinenoblejas5160]

Hello po. May tanong lang po ako. Gusto ko po kasing kumuha ng credit card for the main purpose na magkuha po ako ng mga appliances or gadgets. Ano po ba sa mga to ang the best. Ung zero % interest and unli installment po sana, no annual fee for life, and no late payment fee/overspend fee. May ganun po bang card?

[@piplop_ph]

pnb ze-lo po try to explore po kung pasok sa criteria mo

[@jesellemorato8491]

Hi sir . May rebate din po ba si PNB ZE-LO?

[@NoyFinanceVlog]

unfortunately wala sya kasi ang main feature nya is yung inalis nya yung mga fees.

[@jesellemorato8491]

@@NoyFinanceVlog ano pong top 3 cc na marerecomeend nyo dito sa vlog nyo?

[@jesellemorato8491]

@@NoyFinanceVlog sa PNB zelo cc sa form po nila merong landline #+area code . Pano po pag walang landline? 😂

[@NoyFinanceVlog]

for beginners ba? siguro rcbc flex, aub easy, and pnb zelo

[@jesellemorato8491]

@@NoyFinanceVlog for PNB ZELO ano po yung area code kapag walang telephone #

[@angelikaconcepcion3268]

Do i need a pin at BDO credit card???

[@NoyFinanceVlog]

hindi po

[@alaricjedi]

Hello sir. I got my first credit card a few days ago. Hindi ko pa po nagagamit. :D Curious lang ako pano sya gamitin if iswipe sya for groceries/etc., credit card plus ID lang po ba? Or I need a PIN? Wala kasi PIN na pinrovide si UB.

[@danielapinpin5383]

Basta CC hindi need ng pin. CC plus id lang po. Unless mag wwithdraw ka po using ur CC pero sa experience ko po nirequest ko siya kaya dun pa lang ako nagkaroon ng PIN.

[@NoyFinanceVlog]

correct po ito. ang PIN is for cash advance naman na usually nakukuha pag at least 6 months na yung card mo :)

[@yousefcincouno1689]

Paano kopo gagamitin ng 12x in a year ang cc ko kung nameet kona ang credit limit ko.

[@NoyFinanceVlog]

nag frefree up ang credit limit pag nag babayad ka ng card. every month naman may due kang kaylangan byaran sa card kung nagagamit mo sya. bale every month din mag kaka avaialble balance ka to use for another transaction.

[@jeanroselauta1960]

May interest na po ba un?

[@eljunjongay7511]

Dapat po ba talaga 21k yung monthly po? Kay aub?

[@NoyFinanceVlog]

normally mga banks ngayon yan ang minimum na income requirement if first time mo

[@lancebulao]

Nice content sir, My i ask po, Metrobank visa platinum merun po bang annual fee? If merun po pwde po ba ma free annual fee for life? Thank you and Godbless ❤️

[@NoyFinanceVlog]

yes meron. im not sure lang if meron silang promo. pero minsan may promo sila nyan

[@franciscodiego1053]

need 10k deposit pano po yun di pwedeng gamitin?

[@NoyFinanceVlog]

ang alin ?

[@noahcastillo5714]

1 year to pay Naman Ang credit card dba?

[@NoyFinanceVlog]

intallment po ba? ang normal na transaction po sa credit card hindi.

[@NoyFinanceVlog]

or annual fee po ba yung tanong nyo?

[@dejucosromel6849]

Ok lng po pa 19500 a month? Security guard po ako

[@NoyFinanceVlog]

for some cards po pasok namna yan

[@KERBIEIFY]

hindi na po ba adviceable kumuha ng Citti bank at this momment? first time to applay po and next month ko po kasi plano

[@NoyFinanceVlog]

for me okay pa naman considering na ireretain naman nila ang features.

[@weabannbaguio6306]

Hello Sir, I have application on PNB Zero last April 8 pa po and up until now ang status po is DEFERRED. Hingi po sana me ng help for this. I will try sana sa RCBC pero wala pong dropdown choice for our Company name, any advise for this po?

[@carloc7564]

Hello, i had the same experience. I waited 2-3 mos before someone called and eventually got approved.

[@NoyFinanceVlog]

wala bang choice like OTHERS?

[@haroldcalubiran3219]

Call ka sa CS ng PNB. Most likely may kulang ka pang requirements.

[@marienettetomas3882]

May online application po ba for bank of commerce?

[@NoyFinanceVlog]

i think may form sila na pwede mong idonwload then email. pero yung online form parang wala ata

[@JelenaRhoades]

paano po kaya mag apply dyan

[@NoyFinanceVlog]

saan po ?

[@JelenaRhoades]

sa UB po sana or sa iba ko pa pong bank (AUB, BPI, BDO) bago pa lang po kasi ako. student pa lang po ako gusto ko na mag ka credit card. now po 2 months na akong nagwowork sa corporate.

[@NoyFinanceVlog]

if you want to apply, we can help you here: bit.ly/BestCard4Me

[@lydiavelasco3281]

sir question po what will happen if i dont activate my cc.

[@reymundfuntanilla3177]

Kadarating lang Ng cc sa PNB, paano kung ayaw ko sya activate? Ano mangyayari?

[@NoyFinanceVlog]

sinagot ko po yan dito kzbin.info/www/bejne/m4OVlXqXh7x0i68 :)

[@yuiihime]

Hello po, may way po ba to call citibank for free?

[@NoyFinanceVlog]

for free naman if using landline. pag mobile ba? wala ata silang toll free for mobile

[@yuiihime]

@@NoyFinanceVlog ohh noted po. meron po bayad sa mobile. sige try ko po landline next time. salamat po!

[@10yrs]

ano pong meron kay citi simplicity? bakit sya nanganganib? thanks

[@NoyFinanceVlog]

malilipat na ang mga credit cards ni citi kay unionbank: kzbin.info/www/bejne/lZLYaouieN6BZtk

[@jordanmayo5752]

kala ko so bitoy

[@julietrubia7745]

Hahaha my similarity nga sila

[@juliusa7333]

Hi, for robinsonsbank dos cc. Regardless of thr amount mapapawaived ba after 12transactions? Thanks

[@NoyFinanceVlog]

based sa experience ko kasi, maliit lang credit limit ko dito. so mejo mababa lang din talaga yung usage ko sknya, pero napapa waive ko. not sure if may minimum lang talaga. pero sa website walang sinabe

[@jeanlauta6796]

@@NoyFinanceVlog mgkano po interest monthly?

[@francesmariebritanico3304]

Hi po! naghahanap kc ako ng mga most recent reviews for beginners sa credit card "east west bank". Dapat po bang mag open ng acc muna bgo mag apply ng credit card? or ok lang po kahit hindi na? Thanks

[@marcnelsoncornista2884]

Ff

[@michealmuga1658]

I use my us bank cash +mostly for spend at Best Buy . Most cards won’t bonus bby

[@bakasijohn-denverv.1738]

ano pong magandang card para sa paymenth method ng ads sa fb?

[@NoyFinanceVlog]

parang wala naman. ako gcash gamit ko don.

[@stephanievergara8968]

hello, walang chinabank? for beginners?

[@NoyFinanceVlog]

i think nag accept naman sila ng beginenrs

[@madelainekayemagat8250]

hi sir. anu pong ibig sabihin ng no annual fee? at anu pong kagandahan kaysa sa lending? thankyou po sana masagit

[@NoyFinanceVlog]

wala pong annual fee. what do you mean compared sa lending?

[@ma.angelicahernandez5402]

Boss, waived ang 1st year annual fee ng CC ko. Pwede ko kayang ipa-cut ang CC bago magstart yung 2nd year? Planning to shift na lang sa ibang CC na no annual fee for life. Maapektuhan kaya ang Credit standing ko?

[@NoyFinanceVlog]

yup basta walang balanse. if this is your first card then pina cancel mo, it will be as if hindi kapa nag kaka card. definitely may effect. but if this is not your first card, then at least my credit history kapa din

[@myrnadingle8487]

Sir ung ibinigay na otp un po ba ang pin

[@itsmekj3325]

Ano po work around dun sa Workplace Tel. Number na requirement ng mga CC, wala kasi akong sariling workplace Telephone number.

[@NoyFinanceVlog]

i think pwede HR jan na contact number :)

[@janthony6086]

Update: AUB Mastercard reward points ngayon is 1 point = 50 pesos

[@NoyFinanceVlog]

thanks bos

[@patgrelly]

Pano po magkaroon ng credit card need po ba may saving account?

[@NoyFinanceVlog]

sinagot ko po yan sa video nato kzbin.info/www/bejne/m4OVlXqXh7x0i68

[@alfrembautista9916]

Thanks for this content seen your video credit card reviews since 2020, 2021 and now. This helped me decide po talga for first timer

[@NoyFinanceVlog]

thank you so much po :)

[@johnmio]

Very informative, malaking bagay especially for beginners like me. And ending nag marathon ako ngayon. Hahaha Nkapag apply ako kani kanina lng sa Citi Simplicity+ Card not knowing yung sa Union Bank. 🤔 Well, wait ko na lang within 3days kung anong mngyayari. May 2nd choice na din ako if ever I’ll change my mind not to proceed with simplicity+. Salamat po bossing sa maayos na pgpapaliwanag. New subscriber here. 🙂 God bless

[@rjarcana4747]

Good day. How was it? Citi credit card ka pa rin ba ngayon?

[@johnmio]

@@rjarcana4747 good day po. D po ako na approve sa citi...sa bpi ako na approve...tignan ko pa if mg aaply ulit ako sa citi aftr 6mos..