CREDIT VS DEBIT CARD?! (Ano ang mas okay para sa'yo?)

[@chinkpositive]

"Friends, get your own Moneykit here: chinkeetan.com/moneykit For team abroad, get your digital copy here: chinkshop.com/pages/moneykitdigital"

[@lavandermaro1401]

For me mas okay ang debit card kasi magiging Cautious ka sa pag gastos...Wala po akong CC pero may debit card po ako mas okay walang iniisip na bayarin

[@balaisjunil3734]

Nakakapagbayad ako ng insurance git ang benisyo k s credit card

[@totopope0202]

Cash kng may cash...kpag hindi mka withdraw, debit..

[@sillyhe4rtz]

Debit

[@djnielga5717]

@@sillyhe4rtz M

[@sirjrushsytchannel]

I think Debit Card is good for students who doesn't have a sideline. Credit Card is good for employees or people who have their own businesses.

[@angee-lynatanacio610]

I am using credit card for 2 years now and i can say mganda cia for emergency purpose..atleast d kn mang aabala ng ibng tao para mangutang at kagandahan is walang interest bsta wag mo lang wiwidthrahan at bayad k tlga on time..effective ang credit card sa mga disiplinado sa pera.

[@kathaijem4563]

ano pong credit card maganda gamitin ? gusto ko po itry.

[@sandrarosendal]

Pano po kung hnd ginamit sabloob ng one two months ? May babayarin pa din po ba ?

[@drapensmusic]

Only spend for the things that you need and most know your limit for spending para hindi ka mabaon sa utang... Di bale na limit ang pera basta walang utang..

[@rghudtohan]

credit card because if you maintain a good credit history, banks will easily approve your application on bigger loans like housing, business or car. :)

[@jill5215]

Basta ako cash lang lage, pag wala kang dalang cash mas mabute walang gastos

[@joemarisayud1408]

Credit Card, good as cash. Zero Interest basta bayaran mo lang on time ang nagamit mo. May reward points ka pa. Kailangan lang talaga maging disiplinado sa pag'gamit ng card.

[@zeusguinoo]

inooferan ako sa regular bank ko ng credit card.. auto-pass ako, naalala ko i have to be debt free :)

[@kudos1929]

Mas ok skin debit card kase mas alam ko kung ano ang aking limitations. At least, sa debit, di sya utang at me peace of mind ka, yun lang gagastusin mo, naaayon s laman ng debit card mo. Di ka din mahirapan magdala kase di sya cash

[@jothamcadlaon6560]

Since student pa naman ako at walang stable income, then debit card lang muna. 😊 And I can really manage my finances properly.

[@JumarAnthonyDevera]

There is also a secured credit card offered by banks. Pwede ka mag inquire. Secured credit cards works like as a Credit Card. To explain, need mo muna mag deposit ng 10k (example) then yung credit limit mo ay 8k. So kung di mo mabayadan, automatic mababawas dun sa deposit mo

[@jothamcadlaon6560]

@@JumarAnthonyDevera thank you po. Is it good for students as well?

[@jeyprocketeer]

Credit card=utang

[@kentinigo5389]

how old r u guys? anong requirements na hiningi?

[@lanzkchannel1206]

May nakuha aq sir credit card pero prepaid xa meron ba ganon,?

[@JohnJohn-nt9mf]

I use credit card all the time. Pero di ko ginagamit ang credit card kapag walang laman ang debit card ko pambayad para sa credit card ko. 👍

[@flojam4766]

Very useful ang credit card. You just have to be disciplined. Limitahan ang pag gamit sa kayang bayaran. Maganda din ito gamitin sa business dahil kung masipag ka, tutubo ka sa perang hiniram mo lang.

[@hiiammaryah]

Nasa naghahawak kung anung card ang mas akma. 😉 each card has their pros and cons. parang kutsilyo sya. nsa naghahawak. you can use it para mpagaang at mpabilis ang pagprepare ng food, at the same time pede ding makasugat pag mali ang pagkakahawak.

[@MarcJapethSilvano]

sana ipromote sa mga eskwelahan ang basic financial literacy nang sa gayon, kahit bata pa, may disiplina na about sa pag manage ng sariling pera.

[@leifmk7543]

Ibig sabihin ang debit card ay regular savings account.

[@jenniferrejas5048]

I have both. I use credit card for my monthly groceries or shopping. And i auto deduct it to my debit card. -so you dont need to go to the bank and pay it every month.

[@kewl800i]

Sir/Maam, BDO ba ito? How did you apply the auto deduct process in your debit card? Thank you!

[@jenniferrejas5048]

@@kewl800i go to your bank and just tell them you want to have auto deduction . You will fill up a form there. Thats all.

[@HaringBarok]

Debit card for daily needs and monthly bills. Credit card for assets then pay it before due date para makaipon ng points.

[@robjulian9118]

Niceeee! Thank you sa tips lab u

[@seriyooow310]

Baliktad po ata

[@enricocuevas4157]

Team credit card here..kahit dalawang credit card lang sapat na basta magkahiwalay ang cut off at due date. Favorite ko ang citibank rewards kasi NAFFL ala magiging problema yearly

[@janggoking2326]

Debit po...Wala ng alalahaning utang

[@onlynice9567]

Both are very useful to me. Debit- where the income flows in, this is where my credit card payment comes from. I don't usually withdraw cash because I like deferring the payment to my expenses until the next month. Credit card- Where all my expenses comes from. I can better track my expenses and when to pay them without incurring interest (sometimes, minimal lang) and I can purchase on installment basis hassle-free, one call away lang sa bank. I like how I build good credit score because I became disciplined in paying, thus the bank trusts me more.

[@keantv6407]

pwede pong magkaroon ng dawala ? debit and credit

[@joyoliviaculang8287]

@Jojo Yes, your credit card bill shows that

[@joyoliviaculang8287]

Same. I use credit card so i can pay my exact expenses (no interest) at least some weeks after. Usually, i use my debit card for full payment tapos meron ding bills payment promos for credit card where i can get 50 to 100 php off or cashback. My principle is, kung ang pinag trabahuan ko hindi agad nababayaran, dapat ganoon din ang expenses. I always pay my credit card bill on time and in full, earn points and always requesting for reversal of annual fee which my bank approves naman.

[@shistarsmile10]

Kung responsbile ka sa finances mo, mas okay for me ang CC ksi nakkpg installment ako ng mga bilihin at may cashback pa po hehe

[@andreajoycewaller6668]

Debit card syempre mas magandang gamitin

[@melvindisono1735]

It's nice to have credit card to build your credit in bank. I like having credit card because of points and rebates. :) As long I use it properly.

[@joyoliviaculang8287]

correct

[@lorenzogonzales3224]

For me, mas okay ang debit. Iba pa rin pag may control ka sa mga expenses mo. at the same time naa-identify mo kung ano ang needs at wants mo. mbirap mabaon sa utang lalo na ngayon tumataas ang price ng basic commodities.

[@rlen20221]

If you are responsible enough well both are ok to use. It really depends to the person using it.

[@veektorjohnjosephtrias297]

Credit card is the best choice if you are financially literate. Use credit card like youre using cash to build credit scores and choose credit cards with high cashback %. Pay it all at the end of the month. Pero kung mag credit card ka lang para bumili ng mga luho mo tulad ng bagong gadgets, nako totoy goodluck sayo, malulubog ka sa utang.

[@fritzgw7094]

I use both cards credit card for building good credit reputation sa bangko ko yun debit gamit ko naman mostly for petty spending and shopping online.

[@josephcasa9308]

Mula nuon hanggang ngayon. Hindi padin ako gagamit ng credit card..

[@peanutshell9405]

Treat your CREDIT CARD as DEBIT CARD pay your credit card in full in the following billing cycle. DON'T USE your credit card on ON SALE items if you cannot pay it off the following month, why kasi you will pay high interest therefore you did not really got the item "on sale."

[@asianinvestor15]

Credit card if somethinging wrong on your purchase you can always dispute it compare on using debit card hirap na ibalik ang pera mo and credit card will built credit score where you can use when buying house for your property rental

[@christopherllamoso8080]

Kung wala kang enough savings or income, at wala kang disiplina, wag ka mag credit card. For me malaking benefit ang credit card. Been using credit cards for more than 10 years na. Credit score increases, napapaikot ko ang money on hand kesa maubos sa expenses. Disadvantages ng credit cards are mainly caused by the user.

[@cyrusjulhasan2072]

Nice sir tamang basa ko ng mga comments para may idea ako working students po akk hindi kopa alam kung ano kukunin ko debit ba or credit😅

[@sheilapaderog765]

I use debit card since 2018.. Working here in Qatar 🇶🇦🇶🇦🇶🇦

[@simplymhei9714]

Treat your credit card like your wallet.. Dont over spend.. spend wisely and responsibly

[@marielmarjes3342]

Debit cards only 🙂 pero di ko ginagamit sa online shopping. for establishments lang na need mo pa i-enter ang pin... Kahit ano gamitin diyan okay lang basta spend within your means.

[@GojoRamsay888]

Importante po na magkaroon muna ng disiplina then tsaka ka na mag open ng Debit at Credit card.

[@andreajoycewaller6668]

Waiting from Bahrain 🇧🇭

[@TheDrSweetTooth]

maganda yan envelope system. very effective

[@ejredila]

I'm applying for my debit card tomorrow and I'm here to watch how to handle my debit card properly.

[@TRL-lz7ed]

pag nahack ang debit card mo, ipapahold mo ito. ang ending d mo maaccess ang savings mo, habang tuloy tuloy ang meralco, pldt, manila water mo. pag nahack ang credit card mo, ipapahold mo din ito. pero d madadamay ang savings mo.

[@erfelmiranda]

​@@TRL-lz7edi

[@lowkeygaming4716]

Matagal din aq hesitant mag CC. I decided to get one just last week. Confident nmn na q na di aq matetempt mag overspend. Basta always remember lang na credit card is a money replacement, not extra money.

[@MrBrey-qv6jp]

Credit card is used for. "EMERGENCY" And sa lang business. As long as you know your business well.

[@ShamSham-mp7zl]

Both po maganda. Dipende na lang sa disiplina natin.

[@aml-ph4766]

Debit card, kasi makokontrol mo ang paggastus mo , dahil you can set your limit like your monthly weekly expensis na ilalagay molang sa card mo

[@joshuarafaelvpineda3867]

For me, DC and CC are both useful. Debit card is useful and convenient if you are a student. Whereas Credit card helps business-oriented people in their businesses.

[@stepot3715]

Credit Card is the best way to use if you have discipline, also use it like your debit card pay as what you have on your budget in order to enjoy the benefits of cc like emergency funds, big discounts, rewards, cashback and offers 0% percent installment plan.

[@nathaniel8413]

Credit card, kailangan lang talaga disiplina at responsible

[@laverne1121]

ang dami lng ng gusto magkaroon ng credit card. mga feeling mayaman pero lubog nman s utang.

[@Voss_Baba]

gusto ko talaga magkacredit card para mabuild yung credit history ko sa bank

[@alainbundalian2659]

Debit is better as you can control your expenses. Credit do have interest. You will think twice before spending such expensive things at the same time you will learn money management

[@ellebangngo]

very informative po, thank you!

[@lynrosales5047]

Same pero pagemergency pag food..debit ko bills and food.good bless

[@czenvlogs86]

Debit my choice,,I can't wait to.arrive my books,,yahooo

[@rinainlondon8]

Ur so helpful po

[@ronaldoabe3912]

Pashout out Po, construction worker here from QC, thanks and God bless

[@shinebright2510]

Credit Card good as cash! Pero pili kalang ng walang annual fee! Just be responsible..

[@ricmarbullos8071]

Speaking sa Annual nawawaived naman po yan basta maganda ang record mo kahit 1st year mo sa credit card.😊😊 tama po si sir chiki be responsible lanh...😊😊

[@rescheljoyombao9428]

Ano pong nawe waived?

[@Gail-yk4rb]

Palad is open . debit . may limit . force to stop. Hindi in debt . better for me.❤

[@kinamycurt1325]

sakin mas ok ang credit makakaipon kapa ng mga points,dciplne lng talaga sa sarili

[@pinoycaregivertv3257]

Tatlo credit card ko pero Di ko in activate. Mas gusto ko mag bayad ng cash or debit. Para kontrolado ko labas ng pera ko. Awa ng diyos credit free ako almost 12 years na.

[@claudettesumagaysay2934]

Got both. Hihihi. Mas gamit na gamit ko now is Credit card for points and rewards. And yung existing cash ko. iniinvest ko muna para yung kikitain sa investment, yun binabayad ko sa card.

[@joyyadao6447]

Ano investment mo?

[@molinajohnkennethc.1067]

Sir Chingkee pashoutout pooo Malapit na po akong yumaman✊✨

[@balaisjunil3734]

Basta mas lamang ng benisyo ang credit card, at magaling k gumamot s card ako shopping 4 free at kain for free kaya yan ng credit card ibigay bilang benisyo k

[@pauljhonaranda7658]

credit card all the way. para makabuild ng credit history and credit score. need lng bayaran on time for good record

[@rogieannonganiza3569]

debit card mas ok ako dun.. kahit na limitado pero wla kang inaalalang utang..

[@jewelmaleriado3288]

Thank you po for this video. Very informative. Interested po ako sa DIGITAL MONEYKIT. #teamabroad here from Malta...

[@chinkpositive]

To order Money kit boxset, click here: bit.ly/MoneyKitBoxsetFREE14Books To order Digital version for outside the Philippines, click here: bit.ly/DigitalMoneyKitFreeAllAccess

[@l.Cryystalnature.H.E333]

Ay maganda para sa akin ay debit card sarilu kong pera.... salamat. Sa mga payo mo

[@fatimagross1956]

Credit card, with just $500 limit, this way it’s easy to pay it off!

[@heilined.cabasag9740]

Itong gantong vlog inihintay ko sayo lodz

[@mimamimoo]

Yung sa creditcard mas may security atagad mabloblock ang card if mayfraud . Mag debit card ka nlng mas mkakaipon ka .

[@terimoo5531]

Same both but, ma's bet ko credit card, but self decipline lng tlga

[@ChristineBabaosChannel]

Valentine Card ang pinaka maganda! 🤣🥰

[@ronaldzamora4292]

Ako po more on Debit card ako. Saka yung laman ng debit card ko napaka liit. Yung aking Credit card ko halos di ko na nagagamit sa isang buwan at nakatago lang sa bahay ko. ..

[@kingmeowofficial1131]

Debit card for me.. ayoko ng unwanted na utang .. kung uutang siguro ako dapat kung para sa pagkakakitaan..

[@mijihnmebalo6503]

Sa ngayon yung credit card ko ginagamit ko lang sa insurance namin. Ayw ko isagad yung credit limit para magamit ko sya incase na magkaemergency.

[@rastaboy_harana]

Very informative...

[@maryjoydillomos9342]

Maraming slamt po sir chink ngaun alm. Kona po ang pinagkaiba so sa debit card ako hehe mag oopen account ksi ako e slamat

[@maricelmckenzie1202]

Debit card ako at saka d2 sa u s pagdebit card tapos may pera ka sa bank na $1500 wala kana monthly fee never pa ako nag use credit kahit bank na nag offer for credit card

[@coimin2477]

I love both pero mas ok ako sa credit card. Dapat nga lang talaga aware ka sa mga ginagastos mo or else mababaon ka sa utang sa banko

[@MaithasTouch]

I use debit on needs para budgeted, and credit card for emergency only.

[@edithateves1055]

Mas ok ang débit card dahil control mo ang gastos whereas credit card at the end of the month walang natitira sa account mo

[@taerhinchoi9930]

Yes kasi dito sa Philippines kahit discipline ka at maganda record mo di sila mag bibigay ng discount sa interest. Kasi sa ibang bansa pag maganda ang record ay makaka discount like 6% interest down to 4%

[@gintongaparador999]

Credit card will be useful for good debt like getting a loan for business.

[@dertdoosantos872]

Thanks po Master!

[@chinkpositive]

You're welcome

[@adamlumanta1885]

may amex credit card ako, pero pinapadeactive ko kasi d naman ako pala bili, lugi ako sa monthly fee kaisa sa gastos ko. wala akong ma aavail na discounts masyado at mga points kasi d naman ako nag bibili masyado online or sa malls kaya sayang lng sa monthly fee kaya deactivate na muna. cguro mag yumaman nlng akong kunti or pag mai sariling business na ako na constant nag bibili ng supply.

[@rizapoche8511]

Hello, Chinke .Meron po ba debit card na kahit walang laman nagagamit parin pang shop sa grocery for example . Pag nag sweldo ka dun sia madeduct?

[@beb1.]

Para po sa akin mas maganda yung credit card kailangan lang talaga may discipline sa paggamit

[@dollygee27]

Debit card ako, kasi parang savings sya..di utang ang pera.

[@MmmM-tl5om]

Credit cards! Paid on time every month for zero interest and begin earning points as extra income

[@micheng28]

Ginagamit ko lang yung credit card pambili ng groceries. Kasi may cashback yung credit card ng husband ko.hehe Pero after gamitin ang credit card nagtatabi na ako ng perang pambayad sa kanya.

[@bonifaciob.eliseo2646]

Mas gusto ko Ang CC Lalo na kapag emergency

[@joyyadao6447]

Debit card lang yung ginagamit namin ng husband ko😅 dahil bago po kami ikasal napag kasunduan napo namin na never kami mangungutang personal choice po namin ito, dahil sa pag iisip namin ng ganon 4yrs napo kaming walang utang pag may ginusto kaming bilhin like per example ref pinag iipunan po namin 😅😅 pero nung po sya ay nakapag visit sa 2 ibang country, ako po ay napapaisip kumuha ng CC for him. Pero dahil pandemic ok lang na wala..

[@joyyadao6447]

Feeling kolang po hindi din po ata na maganda para samin ang credit card kahit my mga points papo, kasi hindi poko makatulog ng maayos pag maisip ko palang may utang akong dapat bayaran, yun nga lang po na bills namin sa kuryente pag nadelay ako hindi nawawala sa isip ko😅 hindi din ata ako makakakuha ng points, kasi late ako magpay ng bills namin baka macharge pa kami ng late😅

[@funnypets2351]

one day I'll be on your seminar labyow

[@jimidesuuu]

Tanong ko lang po, can you use credit card as savings or much better na sa Debit lang siya? Or mag double credit card nalang ako, one for savings and one for spending?

[@johanliebert9400]

Ang gusto kong malaman po pano pag ang expiration ng atm debit card ko december 2025 . Tapos simula August 2022 hanggang December 2022 walang laman o balance etong atm ko kasi wala ng pumapasok salary ko from previous company ko na matagal na akong resign dun. E deactivate ba yun ng bank kahit hindi pa expire?

[@rodolfodestura1445]

Sa Akin Mas Angat ang Pag Gamit ko sa Cc kesa D.Card, Dahil mas Maraming Rewards, perks at discount ang bnbgay nila At dahil sa dalas ng gamit ko at pagging good payer ko hindi ko halos akalain na abaot ng ganun kalaki ung limit na ipinag kaloob skin ng bangko.

[@PaoloFernandEstrabo]

May fraud and Theft protection ang Credit card (via dispute). Most of Debit cards doesnt have fraud & theft protection and if there's consumer protection, not so insured in debit cards. Debit card is for money-keeping. Credit card is good for purchasing purposes.

[@rodolfodestura1445]

@@PaoloFernandEstraboagree, to Add nadin ung transactions kasi sa Cc Mostly being sent thru Sms and email Confirming if u really made a purchse. Also Otp is Generate to Validate ur transaction kung tlgang gnwa mo tlga sya. 😄

[@mohammadkhairulinjang5400]

Ano pong cc niyo?

[@vircentjoycejardiniano2510]

Thank you FA 🤍

[@prince_seijin333]

Pwd b magset ng PIN or password for credit card??? ... kasi may mga credit cards ako pero nakakatakot ding isipin n hindi ito nagrerequire ng password... so pwd siya actually makopya at magamit ng iba kasi nasa card n lahat ng details... ur name, card number and the security code.

[@leahcarola634]

kahit may work ako. mas gusto ko parin ang debit card. Mahirap magkaroon ng utang sa bank.

[@arnoldmendoza8003]

As of now sir debit card muna ginagamit ko kakaapply ko pa lang sa Bpi ng credit card eh !

[@ricmarbullos8071]

Credit card more preveledge at points convert to cash or purchase

[@reyearthmagicknight7773]

magdedeposit ka lamang po atm. parehas lang cla

[@madamjoygadia]

Watching from uk sir Chinkee