BM's Scared To Get A Credit Card ft. pH-1 I GET REAL Ep. #13 Highlight

[@DIVEstudios]

Enjoyed this clip? LISTEN to this full episode of “Get Real” here: divestudios.io/getreal-listen/ Watch the FULL video episodes on our 2nd KZbin channel “DIVE Studios Podcasts”: kzbin.info Also, stay in touch with us on Instagram at instagram.com/thedivestudios/, Twitter at twitter.com/thedivestudios, and TikTok at vm.tiktok.com/wSBcLG/

[@mariazippy233]

Please make PH-1 a regular guest! 😭😭 I’m so happy he’s here again omygod

[@zicoislab2905]

Harry is literally collecting hearts because of his Dive guestings.

[@cinnamonringo]

not familiar with ph-1, but after ep 12 of get real with him as a guest, mine got collected hkhkhkh

[@rgta26]

@@cinnamonringo pls listen to his music as well! Hopefully it's match your style ^^

[@mayou7381]

YASSS

[@THEBOOKOFUS]

frr, I don't even listen to any of his music but his personality will forever be my favorite in dive 😭

[@Charbond]

Honestly, if you're not a crazy spender then a credit card shouldn't scare you. You just need to be a bit more aware of your finances to know how much will be taken each month.

[@beshooyami4368]

The only thing I spend my money crazily on is Food.

[@mdhen01]

the amount of people saying "just be responsible" is making me upset, like it's not that easy. With a lot of money comes a lot of temptation, it's fighting the temptation that's hard, especially if you grew in a tough lifestyle and all a sudden you have enough money to get everything you wanted.

[@illestgyal]

@@mdhen01 @Marshmello being responsible = spend within your means. Know when to splurge on something and how to not overtly impulse buy. Yes it's hard but when you are aware of where your money goes, you're being responsible. No one is saying to be a perfect saver, I am defs not. Moral is, just don't wild out. At the end of the day, a credit card is borrowed money 🤷🏾‍♀️ if ppl can't handle paying back that debt, then they shouldn't own one or should educate themselves more on the topic.

[@Treasures_Moon]

wait I didn't expect Ph-1 to be on another episode I thought it was only going to be 1 episode. I'm so happy right now omg im so happy I love Ph-1

[@spanishafterhours]

Same girl!! pH-1 is life, he is one of my favourite artists.

[@DeeRafatSweileh]

Me tooo! They usually film three episodes at once. So I was hoping he recorded 3 that day!

[@mangosorbet2619]

@Dee S. -Wow that must be a hassle to bring 2 changes of clothes I guess but also more efficient with their time! 😂 Where did they say that? Thanks for the info!-

[@Minaaamii]

Sarah L they’re usually in the same outfits for like 2-3 episodes so you can tell it was filmed all at once lol

[@mangosorbet2619]

@Minaaamii when I wrote that I had already checked last week’s episode and they’re wearing different outfits. BM’s looks the same but actually he’s wearing a long sleeve black tee this week and last week’s episode he was wearing a short sleeved black tee. EDIT: oh I see now you’re right when I went to Dive Studios Podcast they have typically been like that where they’re wearing the same clothes. But last week and this week are different. Good eye! Hehe I only looked at the past week’s episode and this episode clips so I didn’t see the pattern 😂

[@yin1938]

*I WOULD GLADLY BINGE LISTEN IF pH-1 MAKES PODCAST,, DUDE HARRY'S VOICE IS IMMACULATE ITS SO CALMING I COULD FALL ASLEEP LISTENING TO HIS VOICE*

[@achgrave]

ANOTHER EPISODE WITH HARRY? WE'RE BLESSED HIS VOICE DESERVE A SPOT IN THE PODCAST

[@i_treasure_u_forever3523]

1:05 That is true ph-1. If you go back to 1920s-1960s education curriculum, the people were taught to manage their money, customer service, and work. That is why they were able to work after high school. Now, it's all about standardized tests.

[@tinabeee7350]

pH-1 is an awesome guest on this podcast. Great voice, easy to listen to, makes interesting contributions to the conversation. I hope he come back for more episodes!

[@dominique2o06]

Please bring PH-1 back it's like he's known them for a min they have such a good vibe together

[@cozykiinss]

When Ashley started talking about paying off her credit card I immediately went to my bank acc to do the same lmao

[@maru-xo7974]

i love ph-1 he’s adorable

[@pardonkookie]

I keep staring at BM’s hair, lowkey looks like cotton candy

[@alishbakhan7178]

Im such a fan wth

[@ctine]

I’d rather learn about taxes and mortgages and credit than calculus which you won’t even need in the real world unless you have a specific job that calls for it! But all of us gotta pay taxes, want to live on our own, etc...SMH. But just be mindful of your credit card! Pay it off in full each month to avoid interest and also accumulating debt. I learned that the hard way 🙃

[@slalomie]

Yeah I’m older than BM & Ashley and it saddens me that the US school curriculum still doesn’t teach basic personal finance to the younger generation. I was dumb at math and couldn’t imagine grasping even pre-calc, but honestly how many ppl need to know theoretical math? No matter what path you choose in life, you’re going to need to learn how to pay taxes and how to budget your personal finances. Why don’t they teach these necessary life skills in school? It’s as if the US school system wants you to be financially illiterate and end up in debt...

[@dementedchris]

Harry’s voice is so trustworthy-it’s the kind of voice that can convince me to jump out of a speeding bus.

[@nikenekei]

I simultaneously agree and laugh and get scared at this comment lol

[@claribelzamudio9759]

I’ve heard you should only spend 30% of the credit limit never all of it. BM just be mindful in keep record of what your spending on it I’ve had one for a year and always been able to pay it off plus if the credit card has an app you can get alert for each time your track it keep you in check cause you’ll have multi text and you’ll know your using it to much 🤗

[@roses7659]

A Credit Card is not that scary. You just need to be a responsible spender. You need to start building credit as best as you can but not spend your max limit each month. Plus as you get older you'll need to make serious life changing purchases so its important to start building credit. Just don't blow and spend your limit each month. lol

[@magdalena8011]

They’re right school doesn’t teach you about handling personal finances, and personally I feel like I would get a credit card but barely use it.

[@HyeriNoms]

No Ashley, honey!! Hear me out girl - you need to accept those credit line increases! It helps raise your credit score faster especially recommend it for people who have had no credit history or new credit card users because it’s takes long to build it up. 💕💰👍

[@vnnwtstd2642]

Please make pH-1 a regular or the fourth host ! 💜💜 he has an easy to listen voice and his thought on things are really fascinating and suits with Get Real topics

[@CoreChick]

I always heard that credit cards were scary, but once I grew up I learned to budget and that made me realize that some people just aren't financially responsible. It's a habit, that's why it's called your "spending habits" so just work on building a better, more responsible habit. I did research on budgeting and credit cards by myself (and I'm still learning), and it's tough in the beginning, but you get used to it and then it kinda becomes automatic.

[@illestgyal]

I highly highly suggest building credit EARLY! Especially if you're responsible enough with your money. I remember my first credit card was a $500 limit. Implementation of your own credit card (not mommy or daddys) while you're a young adult will teach you a lot. It taught me a lot about personal finance and I'm still learning. I highly recommend the subreddits r/personalfinance for y'all in the states and r/personalfinancecanada for my fellow maple leaves. Educate yourself on your money and let it work for you!! Do not however, get a credit card if you just intend to max it out to stunt n flex ur drip. It's borrowed money honeyzzz, make sure you pay it off!! That said. I'm looking forward to this episode, I'm hype that pH-1 is back. Dive 👏 keep 👏 it👏 coming 👏

[@Me123Mandy]

oooh thanks

[@DeeRafatSweileh]

Mooore pH-1 content!! 😭💜💜

[@chaotic_kpopfanmultistan7042]

1:05 pH-1 speaking facts .

[@i_treasure_u_forever3523]

4:23 Taxes are something else at times. That's soo good that you have a financial advisor to do it for you. Then, just check over the documents to make sure it is done right.

[@mariazippy233]

YES ANOTHA EPISODE WITH PH 1 😭😭 PLEASE KEEP INVITING HIM!

[@dieyavi]

Treat your credit card like a debit card and you won't end up overspending. Put all your purchases on it only if you know you have the money RIGHT NOW to pay it all back. I suggest everyone get a credit card early on to start building that credit. Not sure how it works in Korea, but i know that a lot of the countries like the US use your credit history to get you rates on larger purchases like a car or home. The longer your history without major hiccups, the better your credit score and rates.

[@i_treasure_u_forever3523]

2:13 I don't blame you BM. When you get a credit card, you have discipline yourself to not spend over your budget. All it is, is money loan to you from the bank. It's not money you keep because it's not money that you worked to earn. I'm glad that you are smart about it and thought it through before making an impulsive decision.

[@fdoctor79]

Don't get a CC unless you can pay it off in FULL every month or just pay with cash. I am learning this life lesson.

[@Skykano]

DIVE PLEASE GIVE PH HIS OWN PODCAST I CANT ANYMORE I LOVE THIS

[@estyrahayuanggraini3807]

OMG YAS PH-1 AGAINNNNNNN! I FREAKIN' LOVE IT!

[@chantalbellefeuille4310]

I'm 29 and I have had 3 credit cards (10,000$ combined) for the last 4 years. I got them with the intention to travel and maxed them out on my first trip because it was a long 2 month voyage. When I got back from my trip it took about 2 and half years of saving to get it to 25%. I mostly only use my credit cards now and then pay it off automatically from my checking account to keep it in the 25%-30% sweet spot range to keep my credit score up. The higher your credit score the more financial opportunities you have. I've been doing this method for about a year and my credit score has become excellent. When I finally go back to school after the pandemic is over it will be easy for me to get loans and financial aid for my education. It just takes a bit of trial, error, a bit of math and experience to get the hang of it. It shouldn't be scary. :)

[@aishwarya3420]

I can listen to them all day err day!! so happy PH1 is here again ❤️

[@yovitaaw]

i like peniel but having pH-1 here twice is a blessing 😭😭 CAN WE GET MORE THOOOOO 👀

[@autumnsky5025]

Wheres peniel?

[@nessk7825]

Omg yes another one with Harry 😭😍

[@SwiftieBlink03]

Not being negative here or what, but I would really recommend for you to learn how the taxes works.... Secure it yourself.... That's for your own benefits

[@slalomie]

Yeah it’s good for them to learn the basics for their own knowledge. I’ve read horror stories of managers stealing money blind from artists. Since they’re foreigners living in Korea and likely classified as independent contractors, I’d imagine it’s a bit more difficult. I don’t know if they have to pay both US & Korean taxes either. Better if they sit down with someone who can explain everything to them so they’re informed.

[@bingzhang7893]

I love listening to these podcasts.

[@i_treasure_u_forever3523]

2:51 true that BM. The better you are at paying the credit card back meaning being in good standing, the more credit they loan you.

[@rainiidays]

The importance of financial literacy..

[@taongbayan9992]

this reminded me that I HAVE TO PAY MY TAXES HOLY SHIT!!!! Thank you Dive Studios!

[@jsanlovely8880]

I'm loving pH-1 😊 So much love for #getreal of course 😍 I miss Peniel. Looking forward to have the 4 of them in this show ❤️

[@ReinWz]

I used an apps that keep track of my spending, that's how I manage my credit card bills. I find it very helpful to make sure I dont overspend, since I can made several categories and put the max amount i am allow to spend in a month. Been doing that since uni :)

[@BBJune1023EH]

May I know What app did you use?

[@leanna744]

i’m sooo happy you guys got harry on again!!

[@Noshbedumb]

A thing my highschool teacher taught me (though I haven't put it to use since I don't have a cc) is to only use the card for a monthly metrocard, only that and pay it at the end. Easiest way to build the credit I guess (this probably doesn't apply everywhere, but if you have bus fairs I guess)

[@slalomie]

Ha you’re in NY? That’s actually a pretty good idea. A credit card is basically borrowed money you have to pay back at the end of the month. Treat a credit card like cash/debit card. Only use it to pay for things you can pay off in full at the end of the month. Otherwise, if you make only the minimum payment, you will have to pay interest on top of the leftover amount you owe. That’s how people end up in trouble paying more than they owe. It’s how credit card companies make their money.

[@Noshbedumb]

@@slalomie yup in nyc, when I was in hs my teacher suggested it and it honestly seems to be the best thing to do if you wanna start early

[@alicac232]

One tip I have about a credit card is if you are using it specifically to build your credit make sure you have the money already. Example you are trying to build your credit so you want to make a purchase that’s of let’s say $150 dont buy that item unless you already have that money now and save it till you pay it off. So then you won’t be afraid or feel such a burden when you pay it off. Also try not to spend more than 30% of your credit card limit !!

[@chichi7391]

Ashley you should increase the limit cause if you spend the same as usual, but have a higher limit you'll be using a smaller percentage of the credit each month which is good for your credit score. Having a higher limit doesn't mean you need to spend more. But you know yourself best so if it would tempt you to spend more, I guess don't do it then haha

[@ezongu]

Loving this episode more and more pH-1 my lifeline 🧡🧡🧡

[@Ashley-pt7hh]

Ok is ph-1 gonna be part of the cast cause I’m here for it

[@nappylappy]

Debt card is way safer than a credit card ,yet they put us in worrisome place still 😅

[@user-rt3kf7ru9g]

It's safer in the sense that it holds you back from overspending, but when it comes to fraudulent charges, you're much more protected with credit. With debit it can be a hassle, or just plain impossible, to dispute depending on the situation. If someone gets a hold of your debit, they can wipe you clean whereas with credit there's a max cap and they'll just consider it fraud, so no charges. Either way, the biggest thing is as long as you regularly keep an eye on your account(s) for any suspicious activity, there should be no problem.

[@nappylappy]

@@user-rt3kf7ru9g actually got debit card it: 1_substrates from your own balance 2_there's daily limit actually,and notification too (( phone_email etc ) 3_won't worry about growing added fees for late payment like for credit card. It stops simply if there's no enough balance. Still both cards are hectic and it's easy to over spend with them 😅....

[@marissalepo8678]

Me chuckling because I’ve had a credit card since I was 18 years old and have never really taken advantage of it 😂

[@jeanbeano]

pH-1 as a regular member on DIVE STUDIOS?! YAS PLEASE 🧡

[@sweetm2376]

i just finshed the podcast and i'am here to 😂 i ENJOY this 🧡❤

[@lethlandicho8906]

Ph-1 is here again 💗💗💗

[@i_treasure_u_forever3523]

1:02 Boom BM, You know whatzzz up! Ain't that the truth. Stay curious and knowledgeable. :)

[@irenackerman5266]

Very useful cause I am actually thinking of getting a credit card and start building credit

[@savage_0217]

Im not sure though but paying taxes or knowing how to compute your tax also tackled in my school however when i was on college.

[@mdhen01]

the amount of people saying "just be responsible" is making me upset, like it's not that easy. With a lot of money comes a lot of temptation, it's fighting the temptation that's hard, especially if you grew in a tough lifestyle and all a sudden you have enough money to get everything you wanted.

[@Unknown2Yoo]

I don't have a credit card either. I see no reason to get in debt on purpose.

[@mayou7381]

HE IS SOOO CUUUTE

[@Jessy_Silva9]

Just like Brazil, nothing chance if you change the country, credit here is difficult and is difficult manage it too.

[@pinkrachna]

Ph-1 ❤️

[@e_jii_]

I actually have a lot to say about credit card. 1. Get a credit card with a good reward program. ( Good introduction bonus: 0% interest first year + spend a certain amount to get intro reward bonus money) 2. Have this mentality. Use a credit card and treat it like your debit/check card. You are spending that amount of money anyways if you use your debit card so why not use your credit card instead and get them cash back reward. It might not be a lot but it's better than nothing and over time it builds up. ( I bought my plane ticket with only reward points.) 3. Every month payoff the WHOLE ENTIRE balance!!! Don't be tempted by the minimum amount due. Credit card company be out here trying to tempted you into paying less but in the end you are paying more because of interest. Ex. originally $5 🍕 after months of interest 🍕 now costed you $10 . INTEREST IS NOT MONEY YOU SPENT buying things you like and etc. So why you gotta pay extra. I think owning a credit card is great! I don't know how does building credit work but I having one because I like reward/cashback. It goes without saying you should exercise good spending habits. Budget and planning. What's your income minus your fix expenses every month. How much money you have left over to enjoy life and save?

[@slalomie]

Yep you’ve got it down! When I was a teenager, I was a bit hesitant to get a credit card bc I saw how much debt my brother accrued overspending and I was afraid. But if you treat it like cash/debit card that you have to pay off in full every month, it’s great. Like you said, the points and rewards can be pretty nice. Building credit is exactly what you’re doing 😄 As long as you don’t use more than say 40-50% of your credit limit every month and pay your card in full monthly, your credit will be great. Good credit is basically saying that you’re good with money and likely to pay your bills on time. It can be useful in the future if you make a big purchase like a car or house that typically require monthly payments, so you can get favorable lower interest rates.

[@dajeongjeong4734]

im just here liking all the positive comments about pH-1 :)))

[@acciosharpie4441]

not me staring at ashley inputting the ipad's (probably dive's) pin😂😂 9999 huh

[@NikkaVim]

I LOVE YOU HARRY!

[@savagesun5788]

I couldn't agree anymore..... *SCHOOLS* *SUCK*

[@luvvvv124]

I was like damn i don't remember this part of the podcast 🤔. But its a new episode LMAO

[@donsenorperrojronimin9043]

I am also scared of credit card, but i dont really spend to much, even wen i have it, so i dont need it, i hope never need it.....any way great chapter as always.. Peniel here a melody hope ear you soon.

[@easyhanji]

BM and Ashley look like cosmo and Wanda with their hair lol

[@tea-um6ov]

i'm a responsible spender but i'm afraid of credit cards too LMAOOO i feel that

[@Alejandra653]

Maybe it's just me, but credit cards aren't scary. All you have to do is be responsible about it.

[@ItsBrittanyLajoyce]

Dave Ramsey y’all forget the credit!

[@SwiftieBlink03]

I don't get CC as well, cause boy.... I have OCD and when it comes to shopping....🤦‍♀️ I don't even hold cash... Cause i won't know where it goes hahah....

[@misaoof8355]

I'm scared of credit cards now ;-; I over spent and now I'm in debt. Now, I'm wishing for God to save my soul.

[@adilalovedongho]

Me is totally like BM😅🤣 , scared to have credit card ( but heard some financial advice that use credit card during like really x1000 emergency time or use it to pay the thing that you manage to pay credit debt in time before interest rate raised )

[@타이슨오빠]

pH-1 and Ashley look good together -just saying. I lowkey ship them.

[@khadeejataylor2475]

Yes educate us young adults because school curriculum fails to teach the important things. But at least I know about the mitochondria.

[@deanneb6925]

Bro how is BM 28 years old without a credit card?? Maybe it’s different in Korea, but in the US you have to have credit in order to buy things like cars, or to rent in most areas. I got my first credit card when I was 19. That being said, I would suggest paying as much of it off as you can every month, and always do it on time. They can charge late fees, and the money leftover that you don’t pay off will accrue more interest the longer is sits unpaid in your balance. That’s how they trick you into spending more money in the long run.

[@mpritWLnVIP]

Yeaayyy harry again 💗

[@karlalovesuju]

Credit card is basically spending your money without the guilt

[@dalkomlatte5822]

I just don't like the sound of "credit card" lol.

[@Okayme8080]

I love Ph-1 so soft spoken and he is cute🥺❣ P.s Im also afraid to.use Credit card

[@runwayy]

i’m 29 and still don’t wanna get myself a credit card...just using a debit card...do not wanna be paying unnecessary interest 🙃

[@allanallipin5013]

For me, I just treat it like my debit card. If I spend like 1000 bucks on groceries, I'll put it on my credit card and pay it full the next day.

[@semsclassic1750]

I just realized how different Korea's money / bank system is from my country. The whole time I was like "??? How do you pay shit if you don't have a credit card ? Do you pay by phone instead ? What's a check card ?? Why does all your money go out at the same time for a whole month and doesn't appear on your account for every purchase ???" Haha Get Real reminding me of the little, less known difference and things to be mindful of when you want to visit / live in another country !

[@slalomie]

A check card is a debit card. It’s linked to your checking account - it’s immediately deducting money from your bank account for each purchase. With a credit card, you’re borrowing money to use and ideally you pay it off in full every month. If you only make the minimum payment, you get charged interest on top of the money you owe. It’s how credit card companies make their money. Korea has both. I think BM and Ashley were talking about being more comfortable with debit cards because the money is immediately taken out of their checking accounts, so they see the balance difference in real time.

[@semsclassic1750]

@@slalomie Thank you for the great explanation ! Both are called credit cards where I'm from. Debit cards can only withdraw cash from ATM. But it does make a lot of sense that they wouldn't want one indeed, how is it advantageous ? I think Ashley mentioned building up credit ?

[@slalomie]

Sems Classic Ashley talked about recently getting a credit card so she could build up her credit. Credit is a score/rating credit agencies use to determine how financially responsible & reliable you are at paying off your bills each month. You build good credit by using your credit card regularly and paying it off in full every month. Credit is important when you want to make a big purchase - like a car or house. Since most people don’t have the cash to buy these big purchases outright, you borrow money from a bank to pay it off in monthly installments over the course of many months/years. Banks charge interest or a percentage fee to allow you to borrow money from them so you can pay these purchases off over months/years. The better your credit, the lower your interest rate is. Overall, the cost of your big purchase is lower if you have good credit.

[@semsclassic1750]

@@slalomie So your loans interest change depending on your past history ? That's actually fascinating. Most loans I've encountered here have fixed interests, and banks / organisms determine your eligibility based on submitted files. It does make sense to have a credit card in Korea indeed if they get you such advantages, but it seems like a rough patch or a sudden illness would make a serious dent in your ability to make a loan afterwards. Interesting. I guess both systems have their pros and cons !

[@gaonouvang5733]

I'm 16 and I have no idea about taxes, credit, credit cards, good credit, check cards and whatever. WHAT ARE THOSE AND HOW DO I LEARN

[@shamindrikadupitiyage9810]

I'm genuinely afraid of credit cards too. I'd rather go for debit cards

[@jennifernguyen3877]

I'm 30 and I still don't have my own credit card that's entirely mine. I have a Costco card that I use for gas and for getting through the door and paying for my own groceries, but that card is actually under my mom's membership (since Costco allows two family in the same household to be on the same membership) and so the bill goes to her, not me.

[@slalomie]

If you have and use a debit card responsibly, there’s no reason why you shouldn’t get a credit card. Just use it to buy things you normally use cash or debit for and pay off the balance in full every month. Building good credit is useful when you want to make a big purchase like a car or house. Since those big purchases are typically paid off over the course of many months/years, banks charge interest to allow you to borrow money. Having good credit allows you to get better, lower interest or borrowing rates. This means you overall end up paying less by the time it takes you to pay back your car/house.

[@mq6845]

Yaz, I hate debt. HAHA

[@hyyannie.e]

Omg. Another episode with Harry

[@Naberehe]

I agree with them, school should teach us how the real world woks.

[@lintang6103]

Oh please I need Harry's voice on Dive Podcast 😭😭

[@Sucaloid321]

My credit account balance currently exceeds my checking account balance 😂😭 It's so easy to swipe!

[@itsonlyjulian]

gosh Ashley is so beautiful and speaks sooo welll..... Ph-1 is soooo fineeeeee

[@viv6594]

Real life shit, not many people talk about it

[@ISRATJAHAN-xy8vw]

newww episodeee please !

[@yasminkini6856]

pH-1 🧡

[@JenniferHuangDeng22]

This is why I only have a debt card.

[@Minaaamii]

I’m scared to get a credit card too lol I’m not worried about spending too much but I just really don’t understand the whole thing with how credit scores and shit work or how paying stuff off works

[@slalomie]

A credit card is basically borrowed money you have to pay back at the end of the month. You usually pay off your credit with actual money from your checking account. A credit score basically judges how reliable you are at paying your bills off every month. Good credit is useful in the future if you make a big purchase like a car or house that requires you to split the cost into monthly payments. It helps you so you can get a better interest or borrowing rate. Treat a credit card like cash/debit card. Only use it to pay for things you can pay off in full at the end of the month. Otherwise, if you make only the minimum payment, you will have to pay interest on top of the leftover amount you owe. That’s how people end up in trouble paying more than they owe. It’s how credit card companies make their money.

[@emilynaima967]

ahh harry is back!!