Credit Card 101: DOs & DON'Ts! 💳 (+ how to avoid interest charges) | tita talks 🍵

hi guys, sharing with you the long awaited part 2 of our credit card 101 series-the dos and don’ts of credit card 💕
💳 apply for citibank credit card:
citi rewards card ⭐️ bit.ly/CitiRewardsCC (highly recommend! no annual fee for life min of 20k spent within first 60 days - until oct 2021)
citi simplicity card bit.ly/CitiSimplicityCC
citi cashback card bit.ly/CitiCashbackCC
credit card 101 💳 for beginners (basics + pros & cons) | tita talks 🍵 • credit card 101 💳 for ...
ADULTING 101 PLAYLIST:
bit.ly/2xNUY4i
love lots,
thea
-
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[@JayJoaquin]

I so love this girl for opening my eyes especially when I got my second card. Having a gold card is not a rights... It’s a privilege but you need to establish a good banking relationship. Meaning paying off your balance on time and even paying the minimum due to avoid being on a negative balance. Kudos! Please keep making these helpful videos to spread financial awareness.

[@TheaSyBautista]

💳 apply for citibank credit card: citi rewards card ⭐️ bit.ly/CitiRewardsCC (highly recommend! no annual fee for life min of 20k spent within first 60 days - until oct 2021) citi simplicity card bit.ly/CitiSimplicityCC citi cashback card bit.ly/CitiCashbackCC Hello guys!! Here’s part 2 of my credit card 101 series-tips on how to properly handle your credit card. 💳 Hope you’re all safe 💕

[@sheinaandeza9593]

Great content as usual! ❤🙌

[@joanfernandez4457]

Tnx po

[@nicoleseo4641]

Thank you ate thea stay safe as well:) fr. Korean tita of ortigas

[@madonnaa.7725]

Recently got my CC. This video helps me a lot 👍👍

[@vincemorales4191]

Bakit po ako hindi makapag over the limit? Last time i have 22k remaining balance and then mag swipe sana ako worth 23k. But ayaw po niya, rinerequest po ba yun sa bank? I have BPI cc btw. Thank you

[@jozieg5811]

THEA! I just want to say thank you for guiding me with your financial advice. Did you know, before I applied for a new credit card, I revisited your video countless of times and took down notes. I am now 8 months in and religiously paying for my card! Also, establishing my credit score. Thank you for teaching us what they don't in school. Please keep it uppp! A big fan and supporter here. Hehe

[@roxannelacuesta7365]

Hi, ate Thea, I've been waiting for your upload. I really appreciate you taking time to research, sharing your experiences and for making these kinds of videos. Love your #titatalks 💕

[@danielangelo1189]

Thank you Ms. Thea for creating another content on the subject of credit cards. Just received my own at the beginning of the month so these information are really relevant.

[@janmaritanga-an6082]

Hi Ms. Thea! Thank you so much for this. I was having a difficult time choosing which card was perfect for me. Although articles explained the differences in between one card over the other, your content however covered the basics and precautionary tips perfect for beginners. I really appreciate this. I will be one of your regular viewers starting today. Thank you very much and continue to spread financial awareness! God bless.

[@jyddm9168]

Thank you Thea! You clearly explained the fine print in owning a credit card. Very helpful tips, as always I appreciate your videos. All the best to you!

[@joannabellosillo5598]

Been waiting this since nung napanuod ko yung Credit card 101. Thank you so much ate Thea

[@verifiedacc5318]

Watching your money talks or tita talks. It really helps me to be more careful about my spending, btw i`m on my 20s that is why im happy because i saw your videos. Informative and Helpful, keep it up

[@graciedelrosario4477]

Thanks for uploading another informative video. I have learned new ways to protect my credit card. I love the correction tape tip for the CVC. I will do that too. I hope you can upload more videos. Is it possible for you to make a video on budgeting with Excel presentation? Take care.

[@gerald8596]

For tip #6 - this happens to most banks, your credit limit gets replenished everytime you pay. Here’s a tip, for BDO cards it doesn’t work this way. Every month/cut off, your credit limit gets replenished regardless if you pay or not. Say for example your limit is 20k, and you used up the entire amount, on your cut off, your limit gets replenished and you have another 20k even though you have not paid yet

[@aralacanlale3844]

Thank you so much for the tips!! Saktong sakto kakadating lng ng CC ko yesterday, nung pinanuod ko part 1 nag-plan pa lang ako kumuha. This is so helpful ate thea!! ♥️♥️ ♥️

[@ninaa6397]

Wow. I know almost all, except dun sa installment na mababawas sa total credit limit, very helpful kasi kaka purchase ko lang kanina ng installment. Thank you so much! 😊

[@esdeath9723]

the first time i watched this wala pa yun cc ko due to lockdown pero i have it now na. i searched for this video para ma-refresh ako sa mga do's and don'ts para iwas extra charges sa cc

[@fairystaronly]

I always love your videos/content! Straight to the point and very informative! Walang paligoy ligoy and pinaghandaan ang content even if matagal bago ka maka upload ulit, that’s why its always worth waiting and/or watching for kahit pa mahaba yun video. I hope before the year-end ma-achieve mo na ang silver button. 💗

[@karlamargarettang9243]

I remember nung part 1 wala pa akong cc, now I have na. Still this helps even if I work as csr for financial bank

[@florentinoencabo298]

Wowm ako din meron na credit card. Di ako nag aply pero pinadalhan ako ng bdo, siguro dahil sa ginagamit ko sa mga transaction ko ang bank account ko, mga transper transper lang lang gcash and bank to bank,.

[@MelPB15]

anong bank cc mo? at ilan credit limit mo?

[@karlamargarettang9243]

@@MelPB15 unionbank gold

[@japanesejapanese6620]

ano ba yan kung dimo naman ginamit yung credit card magpapadala pa din ba ng bill? kahit zero?

[@karlamargarettang9243]

@@japanesejapanese6620 no po wLa 0

[@anngiecl]

Very comprehensive and helpful! Salamat, Thea!

[@nicam5751]

I was waiting for this! Thank you so much!!! ❤️❤️❤️

[@shiela091695]

Hi Ms. Thea! I'm currently working in a bank but still this is so helpful thank you for giving us a wonderful content 😊💖

[@erviejanedelossantos931]

Been waiting for this. Thankyou ♥️♥️

[@mariellicccc]

Ahhhh need this! Liked before watching. ❤️❤️❤️

[@marikon875]

Napaka helpful ng vlogs mo. Unlike othe content creators. Very precise and full details. Not even a waste of time. 🎉

[@lkomkho]

Tagal ko na rin inabangan ang part 2 nitong credit card series. 😊

[@carolineanacay5944]

Napakalinaw ng explanation mo hija. Thanks .God bless you and more power to your channel

[@kaizeenladrido913]

Super grateful for your tita talk videos 💖💖 I learn a lot as in 💖

[@MDMTB97]

Favorite series 👏🏻💖

[@maricelmeullo269]

Finallyyyy!! Been waiting for this ♥️

[@SimpleBisdak]

This is a great topic, because most of the people forget how to use their card.

[@japanesejapanese6620]

ano ba yan kung dimo naman ginamit yung credit card magpapadala pa din ba ng bill? kahit zero?

[@pachamba1444]

Next time, talk about the Secured Credit card. Your limit is your money. Kinda hold you back from overspending. Also, the money being held by the bank usually earns higher interests than your usual savings account. Plus of course all the benefits, perks and convinience of having a normal credit card.

[@SenKnowsBest]

Was waiting for this vlog! Thank you so much!

[@thetimecapsuleproject4090]

Thank you for teaching things they never teach us in school!!

[@katrinayvette1211]

My first CC was approved yesterday. I am so happy. ❤️ very helpful tong video na to. I really love thea’s videos in general. ❤️❤️❤️❤️

[@geraldmarco]

THANK YOU SO MUCH! THIS IS REALLY HELPFUL FOR ME AND TO OTHERS

[@christlejoytom7060]

Hoping you'll do a review of the cc you have, especially how their customer service are. For reference lng din for new cc holders. Thanks po! Love this tita talks po. I'm learning a lot!😊

[@lovewendyxdiane]

Super informative and helpful! Thanks for this! 👍🏼

[@Lykacute95]

Thanks for this, Ms Thea! ❤️

[@disleybaclayo7527]

Hi, Ms. Thea very timely ng pag pop up ng vids mo. I'm planning to have my first cc then I saw this vid. Though, I've watched the 1st part po 😅 Well explained! Full of info nasa viewers na lang kung paano i-digest. Thanks for sharing the information 🤗

[@jocelynreyes2871]

Much infooooo!! Thanks, Ms Thea. More kinda vlog like this 🙂

[@rokheesook4763]

This is very helpful and informative! Thank you for uploading!😘 Take care and stay safe!😊

[@cabgor8488]

Dami kong natutunan. Thank you. I will apply these tips for my 4 credit cards.

[@akotosilyn]

Please update a video on how you prepare for community quarantine for covid-19. I want to get some ideas from you. Your one of my favourite youtubers by the way. Please upload more videos 😘

[@anjanettebugayong7992]

Always waiting for your content 😊

[@lilyfabio]

This is so timely :)) kailangan ko to. thank you thea!!

[@karlamargarettang9243]

Downside sa Pinas is walang $0 or 0 peso fraud liability huhuhu, sana may no over the limit fee, no foreign fee and pag nawala yung card sana walang charge not unless expedite. Char #cap1

[@mvrvxtz]

Budgetarian goals forever!!!!

[@jhecaquitaleg8639]

I miss your tita talks ate thea! Pls do more tita vids relate na relate ako!

[@rhyarga]

Dami kong natutuhan. Great things to know! ☺️ Thanks! ☺️

[@0228kkmn]

Thanks for the vid, Ms. Thea! 😊 more contents pa pleaaasse! Just had ny CC pala.

[@sickocell]

Very straight forward, simple and informative.

[@maebelcorrecesmedina1764]

Sooo helpful! Thank you sm Ms.Thea ❤️

[@bengood488]

I like your contents when it comes to credit cards, I was enlightened with all the things I was worried/unknowledgeable enough ❤️

[@japanesejapanese6620]

ano ba yan kung dimo naman ginamit yung credit card magpapadala pa din ba ng bill? kahit zero?

[@elizmendoza7371]

Yay thank you Ms. Thea for another adulting vid. 😊🙏

[@PureHomeCooking]

Yey!! Always looking forward for a new upload 😲😄❤❤❤ Also looking forward to see how you're doing in this times 😷

[@johnandreibatac4141]

Thankyou so much sa pag explain about sa credit card. Very informative!

[@chrishaannecarlborja1580]

Thank you for uploading this hayyyy tagal kong hinitay.

[@markmadrid8556]

Very helpful and informative 👍🏻 loved it ❤️

[@austinelee6286]

More videos like this please! Thank you 🙏🏻

[@marieliezlsuyko4760]

Very timely sa experience ko kanina. Worth the watch. 😊👍Thank you Ms. Thea! ♥️

[@queenella5819]

Thank you for these info! Very helpful! 😊👍

[@lmao1873]

Love these kinds of vids from you ate!!! 💓💓

[@rich6013]

Very informative! Thanks for sharing!

[@ranzalegre361]

Very much needed infos. Thanks thea!

[@mainegamutan7002]

More of this! More of tita talks! More of budgeting! More of adulting! Hehe. Love your content girl. And also missing your make up reviews. 😍 Love you 😘 P.S. Please do a review on Sunglow by Rei Germar and Mae Layug ♥️

[@jennynarca6175]

Very helpful abd informative content. Thanks Ms. Thea ♥️

[@MsFusionForever]

Thank you so much Thea!

[@zainabkhair1689]

love it! you covered everything on this video!

[@aivah7204]

I agree with the cash advance since beside the interest you also have to pay the cash advance fee. Malulubog ka talaga sa utang.

[@MyraMica]

Super busog po kami sa info. Thanks so much. Very informative. Keep making these kinds of videos po.💚

[@ralphnathanjimenea1945]

Very informative. Thank you 😊

[@katrinajeanortego6172]

Very informative and timely for me at the moment. 😊 I'm curious on the Metrobank No Anual Fee Credit Card.I have an existing ccard (other bank),and I wanted to avail of that No Annual Fee Metrobank CCard one.How likely can I be approved if I apply?Thanks 💕

[@hamseleinsravina3983]

Thank you. Very informative. Keep up the good work. 💳

[@NoyFinanceVlog]

Thanks for the tips mam. Credit cards can be your greatest friend or greatest enemy depending on how you use it :)

[@junniepearl6580]

Love love love this thanksss

[@jessetteannbaldevino418]

Hi! This series and your other financial series are very helpful. question, what are the fee/s you have to pay monthly if for example di mo ginamit yung credit card mo for that month?

[@phoebequiroz7703]

Thanks for this vid! 😊

[@mickeecandelario]

Very helpful. More of this kind please. 😍

[@vaness1813]

Hi thea i watched the first part and it helped me. I finally got my first credit card. Please upload financial talks. Salamat po!

[@liezelgolocino]

very informative. thanks ❤️

[@mcis4ever]

Very informative! Thanks

[@chrislim8584]

Thea you’re a real deal. What bank were you affiliated before?

[@gracegermedia7833]

I was planning to apply my very own cc since I’m on the stage of tracking my finances and would like to build my credit score! Thanks for this video! 😊 would just like to ask your opinion on pre-approved card applications given by banks?

[@araaguilar4880]

I love this video! huhu i took notes! salamat!

[@seanleandre2606]

Thanks Thea, new subscriber here, BDO sent me a BDO Diners Club International Credit card today, I don't know if I will activate it, I'm in my 30's and I always use cash to pay for everything. So helpful yung topic mo, I am thinking of using it actually! :)

[@NotiShounen]

Thank you for this. It's very helpful. Abangers talaga ako sa #TitaTalks haha.

[@ldrs6542]

Straight to the point, accurate and helpful! Thank you, Ms. Thea! 😘

[@japanesejapanese6620]

ano ba yan kung dimo naman ginamit yung credit card magpapadala pa din ba ng bill? kahit zero?

[@ldrs6542]

@@japanesejapanese6620 yes. Para walang confusion. Normally naman paperless na ang statement of accounts.

[@japanesejapanese6620]

@@ldrs6542 paperless? sa email sinesend or phone number? tsaka kung zero no need na ba pumunta sa pinagbabayadan para ipakita na zero yung bill? or need pa rin ipakita kahit zero? sorry noob question po

[@ldrs6542]

@@japanesejapanese6620 yes, email and sa contact number mo. But the detailed statement, nasa email. If you had no transaction for the month and zero naman yung statement, just disregard it.

[@japanesejapanese6620]

@@ldrs6542 oh thanks! tsaka need pa naman yan iacctivate diba sir? yung visa credit card kasi pinadalhan ako ng cc di naman ako nag apply! haha kinabahan ako wala pa kasi ako alam sa CC

[@mariebueno9]

Thank you po! Dami ko natutunan :)) 💛💛

[@brianchristophertorres2820]

maganda yung content 👍🏽👏🏽👏🏽👏🏽 ano kaya pwedeng request pa? 🤔 especially for millenials

[@MelAntigua]

Thank you for this video learning a lot from this, new fan here.

[@Gundancho]

Ok, finally subbed after always watching her 2 credit card videos over and over again. I think she worked in Metrobank, just a guess.

[@ma.isabeldiaz6073]

Thanks... such a big help! 🤗 as a newbie to CC

[@amgenbuan]

This is what i’ve been waiting for 🙌🏻

[@glenalmontuazon8604]

Thank you Ms. Thea

[@marvindomingo5600]

Thank you Ms. Thea, helpful nman ng vlog mo.

[@jesacaparino1755]

Yess thizzzz is it!!

[@neosj18]

Very smart and detailed woman.

[@janelamarzel]

Love your segments like this! Though I miss you beauty reviews ❤️

[@dianneclarisse4187]

Yayyyy thankyou! ❤️

[@mouthspills]

Before watching the video i have list of questions and all were answered. Thanks for the crystal clear explanation!! Hope you have forex topic naman 😉

[@DailyBitesofWisdom]

Thank you for this!

[@aluhv3602]

Hi ate thea! I’m nearly entering college soon and gusto ko sana ng advice/tips on how to save up during college years kasi I really want to save up money while I’m studying. Which type of card would you recommend? Investment tips rin po for students like me would be highly appreciated! I really find your videos helpful! Thank you! 💞