credit card 101 💳 for beginners (basics + pros & cons) | tita talks 🍵

[@lesherrera6779]

I've been a credit card holder for 9 yrs na, and I really appreciate this video kasi narefresh and madami pa din akong natutunan. Kudos Thea for creating unique and super informative videos for your viewers. While others are doing "trending" topics to get a lot of views, ikaw naman focus sa mga prolific topics. Pls continue making informative/educative videos. God bless!!! #moreviewers #moresubscribers

[@TheaSyBautista]

Thank you!! ♥️

[@japanesejapanese6620]

@@TheaSyBautista hello paano kung kumuha ka ng credit card pero hindi mo naman nagagamit ano mangyayari?

[@japanesejapanese6620]

@@TheaSyBautista hello paano kung kumuha ka ng credit card pero hindi mo naman nagagamit ano mangyayari?

[@japanesejapanese6620]

hello paano kung kumuha ka ng credit card pero hindi mo naman nagagamit ano mangyayari?

[@josepodasdemadeira]

​@@TheaSyBautista👍💯💯🙋

[@millennialmrs.9538]

I'm of one of those "Titas" who avoid using credit cards thinking that it only equates to debt. But thanks to you, Thea, for making a detailed breakdown of how we can benefit more from these cards. Your content encourages us to do more sensible decisions. ❤

[@10008020]

Sa ibang bansa, esp. US and Canada, necessity ang credit card because of your 5th reason. Credit cards help you build your credit score. And a good score will allow you to buy your first home / car.

[@AngeloLaureta]

@@arm1mc393 Agree, currently working sa isang private company residing sa US. Ang product or service ng company namin is how to increase the credit score.

[@jamiecalida5516]

True to

[@karlamargarettang9243]

But we have same type of standing na din po. Esp for loan daw po

[@shagarcia4017]

credit score is like a status for them

[@hawaiianmargarita]

Over a decade ago, I was overwhelmed with the pre-approved Citi card I received with a 50k credit limit and another one with a higher credit limit and I was Swiper no swiping from Dora personified and maxing out my limit in just two hours in one day until I got tired of the endless cycle so I paid off my balance and literally cut my cards in half. Now that I’m financially wiser, I just keep a secured credit card with a small credit limit. I refuse any credit card offers just because I no longer like having debts with more than just one bank. And I must say it is financially liberating to have cash instead of relying on cards or whenever I use my card, I pay it on the same day via the bank app. These are really good tips, one reason why you’re one of my favorite local youtubers. Keep it up, Thea! 💖

[@MyrtleArg]

Ganito sana mga nilelesson sa senior high. Yung mga related sa adulting, How to spend your money wisely etc.. halos wala kasing pinagkaiba ang tinuturo sa highschool and senior high.. 🥲

[@calianne1160]

Sana nga.

[@princessvillanueva7397]

Trueeeeeeeeee

[@cedricvillanueva5355]

Yaaaahhh😑

[@michaelruas.maestre2854]

Trueeeeeee

[@darksukehiro6906]

Agreeee

[@jenyatabs9434]

This is why I like Thea, young professional that sound really smart. Good job.

[@maiaguelo23]

Very helpful. Next topic: Savings and Investments 😊

[@nlzjyy]

Mai Aladin yes pls!

[@charmhaze21]

Magandang topic yan.

[@dravefabul2547]

Looking forward on this too.

[@blessejoymoldes2995]

yes, please!

[@mxjxuculxn]

Yes please! 😊

[@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 po!!! na overwhelm ako sa positive feedback 💕😍 Thank you po! By the way yung current postal id po is considered valid id na po pala. Thank you for informing me ☺️

[@warning077]

24 minutes went by fast! Ang ganda ng flow ng explanation. I'm a new subscriber. I hope you keep it up! ✨

[@oNiLaDtOrRu]

Ganda ng topic. May tips sana how to settle card debts or kung paano matanggal sa NDB. More power to you!

[@dtmizpahmae37]

Hi ate! Pwede ba ipadelete/ipacut yung cc? Maski hindi nawala ang card?

[@hcnsjncnnsan7245]

Miss thea im confused nagchacharge ung card ko every after 17th of the month . Di ko gets bat pumapasok ung mga purchases ko even after 17th po of the month huhu help

[@aa-ep2lj]

thank you for sharing :) may question po ako. ano pros and cons nung inooffer ng bank na deposit 10k for savings then auto approve na for credit card. paano po nagwowork yung ganun?

[@JohnJohn-nt9mf]

Mas maganda na analogy: Credit card= knife IF GAMITIN MO NG MABUTI, MAKAKAPAGLUTO KA NG PAGKAIN. PERO IF DI MO MAGAMIT NG MABUTI, PWEDE KANG MASUGATAN AT MASAKTAN.

[@rollyhernandez2764]

correct po

[@exol406]

Finally, a filipina financial advisor! I'm so happy!!!

[@Luna-gb4bh]

She ain’t a financial advisor hehe. S

[@exol406]

@@Luna-gb4bh 😕😊

[@maze8367]

when it comes to adulting and being a tita, i always go for your channel

[@carlosmunoztv400]

Nakakatuwa naman to see someone share the real truth about credit cards. Hindi lang ung generic na 'masama ang credit cards'. Great job!

[@AngeloLaureta]

Thumbs up! It really helps. I'm 28 yrs old and never had a credit card before because I was raised surrounded by a wrong mindset about credit card. I bought and paid all my stuff (mobile, gadget, motorcycle, Desktop, etc) in full cash and it really feels inconvenient to withdraw a huge amount of cash (not to mentioned the ATM limit per day). And now that I'm earning almost 6 digits/ mo. I think it's about time to have a credit cardS to use it as an advantage. Many thanks to you ate! maganda na matalino pa +2 !

[@judebautista5925]

Great vid Thea. There's still a huge stigma about cc na it's gonna bury you with debt. True naman. It's not the bank's fault. It's always your spending habits. It's great to build your credit history as young as you can. Think before you swipe. ❤️

[@makalmariego7841]

Option 4: Open a bank account. if your bank account has enough funds, the bank will give you a CC ✌️

[@jasonangeloctrabuco]

Totoo ito. :D

[@queenrabaya647]

By "enough funds" how much would that be?

[@englishteacherjulie6329]

True

[@giovaniefabriga3307]

Ni reject ko yung banko sa cc. Natatakot kasi ako haha

[@razeluaz9619]

Yes it is true. Meron akong 200k sa savings ko for several months then inofferan ako ng bank ng CC with 75k credit limit without any documents. 👍💯

[@arronsablan]

As a young professional, this is a great help. Thank you for explaining these stuff in a detailed manner Ms. Thea. You just earned a subscriber. Keep it up. :)

[@Energoscels]

Self proclaim si tanga. May pa young professional k pang nalalaman, magpatuli ka muna

[@benildz17]

Lol 😂

[@rogue66v]

finally someone has done it ! first credit card info video based on philippines. lagi ko kasi napapanood based abroad so not all info dun applicable sa pinas. THANK YOU! ALL THE BEST

[@RichEmzReyes]

I can help you with other banks BPI PNB METROBANK EASTWEST SECURITY RCBC.

[@rielbercasio9490]

I've worked as a collection officer in an international bank before, and your explanation is on point, I think this is the best way na iexplain sa mga debtors/ credit card holders yung charges nila, yung ang mahirap kasi sa job namin, lalo na ang Pinoy, kuha at kaskas lang ng kaskas.. Actually takot pa rin akong magka credit card, great power comes with great responsibility ika nga, dapat prepared ka intellectually and financially for you to be a good credit card holder.. Ang hirap magkaroon ng hit sa bank. Kahit saan ka mag apply kung may hit ka na, mahirap ka ng maaprove.

[@velascomabie]

Aww.. So i guess this answer my question.

[@Energoscels]

@@velascomabie lagi ka bang may hit?

[@Cindycxy720]

riel bercasio what is hit

[@denicefernandez8673]

This video is heaven-sent! Your channel is heaven-sent! Thank you so much, and I hope you can also talk about PH banks in the future. I'm still learning how to handle my finances, and I think it starts with the right bank, which pinag-iisipan ko rin hanggang ngayon. Anyway, awesome contents, extremely educational and informative-- bless! 🙏We stan who share their knowledge and life hacks! 🙌

[@samjam2295]

Ate, you are a modern day hero! This might be taken by most as just a simple educational video, but even this can be considered as an important contribution to improving financial literacy, especially in a culture that's considered very conservative when it comes to finance. Kudos and thanks for this piece of content! :)

[@ayriskulin03]

Grabe. Super timely!! I wanna get one soon and have been researching so much. This one's a big help!

[@alyssaberdolaga2331]

www.citibank.com.ph/share-rewards/?media=-9294912993&scode=RBSBMBAM&ecid=MGCPBPHCCAENRF

[@joshuaarisga4821]

10:12 Interest Charges ( To make sure a zero interest, ...should pay on or before the monthly due according to total amount due.)

[@chrisnafermin4323]

I really appreciate this video. Especially for a person with her first job and wanting to be financially literate. To more vids like these. 💕✨

[@Iifeandmoney]

14:24 "Menu?"😂 sorry na ma'am medyo inaantok ako nagulat ako kala pagkain na yung topic. Anyway, I just received my credit card today in my 31 years of living on this planet lol it never cross my mind to get one but since I travel frequently a lot I decided to give it a shot. Thank you sa lahat ng info, out of 5 videos I watched today sa inyo ako may natutunan. Bonus na yung cute kayo😊

[@angelicraga]

My job is related to Credit Repair Program and it helped me understand this video even better. Very informative, thank you so much.❤️

[@emmanesguerra9624]

Thankful ako at naipaliwanag mo ng mabuti

[@sandysonlinediary1759]

Very informative 😊 Perfect for young adults 😊 Thank you..keep doing relevant vids 🙏

[@yfkabesas3877]

This tita series is very helpful!!! I’ve never seen a Filipina KZbinr discussing this. Please keep doing more videos like this, Ms. Thea 💖

[@spicymilk5961]

informative and easy to digest for a non-business major student like me huhu thank you very much for this 😭 subbed!

[@Dysaniaa]

Just received my first ever CC today (binigay lang ni Bank without me applying for it, basta nalang binigyan ako), and this is the only video that really helped me understand the mechanics on how CC works. Thank you.

[@Queenro28]

Same.... Hahhaha na kakatakot. Bigla nalang akong naka recieve akala ko wrong send 🤣

[@gerardmedina9106]

This is legitimate information for practical money management inclined in credit card usage. Let's promote these kinds of informative propos!

[@riri_j219]

Hala! Right timing, i need this since kaka received ko lang ng my first ever credit card. Hehehe... I need some tips and enlightenment. 😂 Thank you!

[@reezonfb]

we need more adulting talks like this :D

[@_gailerabimo]

These days mas madami pa ko natutunan sa mga Vloggers na kagaya ni Thea compared sa school hehe Real life practical lessons 👍

[@cuzimnotlaughing]

I’ve worked as Cashier and ang pinaka magandang credit card na nakita ko is yung transparent na parang silver blue di ko alam anong bank yun. Tapos Disney credit card, galing America customer ko na yun Tapos Tinkerbell yung design ng card niya ganda sobra!

[@JoellaFlorencio]

This very helpful and informative para sa mga katulad kong millenial and curious about credit cards thank you for sharing ms. thea! 😊

[@cazet.1322]

I’ve been using CC for almost all of my transactions and I always pay on time and in full. If you know how to use them wisely, it’s really an advantage for you. Just know when to swipe and when and how much to pay.

[@frozenangell1]

yeah very right and true

[@airahfuji]

Yamm Solaiman dba basta 0% interest rate and buo bayad nung amount due mo (wag lang minimum amount due) for that month, wala naman sabit?

[@bernadettekristinetipay7491]

Hi sis tanong ko Lang Kung Wala bang laman Ngayon Ang account ko sa bank pwede ko ba gamitin Ang credit card?

[@veryRR]

Debit card = own money, Credit card = bank's money

[@goinbulilit3846]

Bank Money with interest. . .if gastador ka or higit ang gasta mo versus suweldo mo mag Debit nalang.

[@josephstrongbow5522]

You can contact David Lane via email at [e-mail] or on whatsapp [phone] for legit credit card hacking, bitcoin, forex & binary, credit score increase/fix, western union hack, money gram hack, paypal hack, Instagram followers/likes, and many more. He does not take upfront payment and he is fast and reliable.

[@edwingarcia3521]

@@goinbulilit3846 pwedeng walang interest kung ontime magbayad ng bills

[@andreimandrel]

Thanks!

[@frangelycomagz]

Money you deposited in a bank is now the banks money hahaha

[@remelynjoyhermosa9165]

Super galing nya, knowledgeable sa mga sinasabi. Super helpful ang video na ito sa mga newbie. More videos pa po .😘😘🥰

[@raisummers6721]

I finally got my first CC with 6-digit credit limit thanks to your helpful tips on personal finance even hindi ako nag-apply, bigla na lang nag-offer ang bank ko for years. Sobrang nag-iba paghandle ko ng money and mindset ko dahil sa vids mo. Keep on inspiring us to do better. 💕

[@ctampos]

I'm entering my 20s this year, and even though I'm still in college, this is really really helpful. You earned a new subscriber. Thank you po and God bless!

[@clarissebeltran2549]

Hi ms.thea, i've been planning to get a CC but I have too many questions/doubts. But watching your video was a very good help. Thank you for this! Please keep on doing informative videos. It really helps especially for those who are on the adulting101 stage 😊

[@oliverneilcandido]

My bank just issued me my first credit card (didn't apply for it) and it's really nice to know all these. Thanks! +1 sub!

[@joannamendoza829]

Thank you Ms. Thea! Im doing my research since im planning to apply for a credit card. Dami ko natutunan!!

[@vanpee888]

Dapat kasama itong topic na ito sa curriculum ng high school or college. Pati mga insurances, investments, etc. Thank you sa explanation. Good to see this video first before I apply for a credit card.

[@formaldienhyde]

This is very helpful. I am already 27 yrs old and all my life I believed that CCs are bad. I think im ready for my first plastic one! 😋

[@mariagethcristelfe1173]

Haha same here 🤣

[@jriccicabatan2235]

Credit card : postpaid :: debit card : prepaid 👌

[@clairedominicbuela1838]

This is the real content na dapat maging ganito mga youtuber hindi puro makeup reviews, haul. Kakasawa na kasi puro kaartehan wala bang real talk. Also, your the only pinoy youtuber i didnt skip the ads kahit ang tagal. Btw, im your new subscriber from Toronto CA. 😊

[@asthemusicplays]

very informative! prone talaga sa temptation to spend more sa credit card, balak ko pa naman kumuha ng credit card pero mas magandang pag ipunan mo na lang then pay it on cash mas tipid pa. 😊

[@maritesordonio1172]

Very informative..how do you assess the citi reward credit card.?

[@johnmarcopores6316]

THANK YOU! Just got my first credit card and auto-approved, kabado ako kasi Platinum din yung in-offer ni BPI, and wala ako idea pa gaano kung pano gamitin ang CC. Thank you! God bless po! :D

[@jenng-chuan1084]

This is very informative! I also work in a bank but i really found this very simple and complete. Great content Thea❤ Loving your videos!

[@harrymarkson7971]

jen ng I'm getting 10,000 USD dollars every single day just with a blank atm card that was giving to me by a hacker if you need yours contact him now on whatsapp [phone]

[@AL-re9nk]

Hi, sana may part II regarding sa statement date at payment due date 25 days after statement date medyo nakakalito po kasi :(

[@joanabulaong]

Feels like u're an ate that I never had. Nagkakaknowledge ako about life because of you! I'm so glad I bumped to your channel! New subscriber here ❤

[@SirJotsVlogs]

A video to Watch about credit cards. Marami kasi not properly educated sa credit card. Thanks for the vid.

[@AfroTeeVee]

Karamihan ng financial advisors they will say... If hindi naman super kailangan, wag na mag credit card. And pay your expenses using cash. Esp. pag d ka marunog mag control sa pag gastos. Personally, my family doesn't own a credit card. My parents paid everything using cash. If they buy something like a car... they pay whole amount with cash. Iniiwasan nila ang interest kasi mapapamahal daw lalo.

[@billyjoesarangelo1608]

Very simple and on point ang pagdiscuss. Thank you for this video Thea! Keep it up.

[@PHIRST.Romina]

Uy hi!! I love your vlogs Thea, although I have a suggestion for you as a fellow vlogger 🥰 Please sort your vlogs through playlists para nakahiwalay yung videos mo about makeup from educational vlogs like this 😊 Thank you! More power! ❤️

[@kimpoybusel6330]

This is interesting. I just had my credit card, and your vlog is arrived right on time. Thumbs up! 👍

[@marvinocarizavlogs]

Very helpful and so much informative. May dumating kasi kanina saakin credit card binigay ni BDO, gold visa, ibabalik ko sana, kaso mukang mapapakinabangan ko naman talaga in the near future.

[@onlynice9567]

During the first time na napanood ko to, wala pa akong credit card, 3x akong nagapply iba ibang banks lagi akong declined. Ngayon, dalawa na ang credit card ko sa 2 banks- isang 5 digit, isang 6 digit CL. Tiyaga lang talaga at maintain good credit card standing 🤗

[@kezialion]

I've been looking for the right credit card and then you come out with this video! Perfect timing

[@nicam5751]

grabe so timely for me!! thank you so much for this video! much appreciated!!!

[@larrizlaarnimalsi7424]

Ako i have a high credit limit. So we did kumukuha kami ng installment cellphones pina utang namin. Ginagamit namin sya for business ng walang puhunan nilalabas. Kaya its up the user kung pano sya gagamit ng card. Thank you for this video, very informative. 👍

[@TheaSyBautista]

Wow ang galing ng idea! 💕

[@larrizlaarnimalsi7424]

Yes Mam Thea. But shempre sa mga kakilala lang heheh. Mahirap din mag trust sa strangers.

[@evansantos1827]

Same with my mom ganyan din ang diskarte nya....minsan yung groceries pa papautang nya sa friend nya gamit credit card.

[@larrizlaarnimalsi7424]

@@evansantos1827 ang galing ng mom mo :) naka kuha ako ng idea hahaha

[@chezario4581]

Thanks for idea.. ❤

[@rosellegeronimo]

to add lang po regarding online scams, pwede rin pong i-check yung 'lock' icon katabi ng URL. if it says 'site is unsecure' you might have to think twice before proceeding. anyways ang ganda po ng tita talks niyo! also ang clear niyo po mag explain thank you!

[@TheaSyBautista]

Thank you! 💕

[@melody4265]

Very informative. I have 2 cc at nakalimutan ko bayaran yung annual fee nung isa since 1 year ko ng di nagagamit. Grabe 1k kagad additional. Always make sure to remember yung due date niyo. I always make sure to pay my bills a week before due date or every time na may extrang pera ko specially for installments. If you have cc always be diligent with your bills and responsible in using it.

[@karendelosangeles6763]

Very helpful for someone like me na bago lang sa credit card. ❤ As always, informative yung videos mo. Keep it up! 🤓

[@marianneregalado2235]

this is the kind of content that i need. adulting!

[@GenivieveVasquez]

Ms. Thea sana mas marami pang money related content pa kayong ilalabas. Super knowledgeable po talaga. Actually, nafollow ko kayo dahil dun sa last content ninyo na money related din.

[@CamzDabu]

Di ako ma credit card pero dami ko natutunan..😍 Ito talaga dapat nasa 100k plus subbies eh. 👍

[@macristinamiranda3975]

Ms. Thea, about sa exceeding limit. Diba po, pag swipe ndi Naman mag pu'push pag kulang na ung credit limit mo? Subscribed ✅ Notif ✅

[@wAcKyXiaoMe]

I’m getting my first credit card. This is really informative. Thank you tita! 😊😃

[@RichEmzReyes]

I can help you Sir with other banks if you want. kzbin.info/www/bejne/oJ23pp58fcdoeq8

[@collectedmoments]

strawberry_shortcake4life bastos agad haha baka naman he said tita because this is tita talk

[@lindzay29]

CC has many advantage if you are wise in using it. Very informative vlog miss thea.

[@bobetdimaukom2149]

Thank you! First time cc holder here, and i appreciate everything in this video! :)

[@ceeedelatorre2626]

Omg i’m at the right channel! My bf just got his 1st credit card and we don’t know a thing about it. Thanks a lot about the infos its very knowledgable! 🤯

[@aliafermin7520]

This is very informative. Ever since ayoko tlga ng credit 💳 kc nga back in my mind utang! utang!Yan s bangko so I always use my debit card kc alm ko galing s savings ko un.Then nagissue s akin Ang bank ng Credit 💳 even n ndi ako nag apply according to them good depositor dw ako. Haha pro till now ndi ko p nagagamit,good thing nkita ko tong vlog m atleast may knowledge n ako Thank you👍😊

[@ChelleSolis]

Omg. I love everything about you ma’am ❤️ very informative and on point magsalita

[@bransonweaver6624]

I figure me the legitimate cyber on (Instagram) is known as trustcyber_tech ✊

[@BuzzGirlYT]

Hi Thea ♥ i recently discovered your channel and super informative - please do a lot of Credit card/ Debit / Banking topics - ikaw lang yung napanood ko na straightforward about this topic. I also enjoyed your office tour :) Keep up good work!!!

[@marianyanes2475]

Super informative and insightful!!! You're the only one I saw on YT who properly discussed all about credit cards. Great help!!! You're a blessing. God bless! P.S. I didn't skip ads for your benefit:)

[@TheaSyBautista]

Uyy thank youuu!

[@kenakarinnoguerra7146]

Naligaw lang talaga ako dito 😂 didn’t even search for anything related sa credit card but I currently have 2 credit cards na last month lang dumating na hindi ko inactivate automatic lang kami na approve kasi may existing relationship na kami sa bank 😆 Thanks Thea this is such a big help for me to decide saan sa dalawa ang i activate and yes proud tita here na takot sa cc 🤣 PS. Nagsubscribe nako even before I finished the whole video 😉

[@AvadaKedavraBeech]

Sobrang helpful and informative nito to the highest level. I wonder bakit may dislikes. 🤔 And also dapat may gantong content mga KZbinr. Mostly kase for entertainment lang and nonsense shiz. Btw new subscriber here! You're so wise, brainy, and mature.

[@jerickquintua9830]

Im a credit card holder also, kahit na sa minimum wage ako. Pero good payer naman ako. Hehe. Masasabi ko na very helpfull sa akin ang credit card. For example, nakabili ako ng mga gadgets for installment using my credit card and it its very convenient. Nagsimula ako sa mababang credit limit, but since i'm a good payer so medyo malaki na din siya. Lalo na ngayon na pandemic, nagagamit ko siya sa mga utility bills, which is di ko na need pa lumabas ng bahay. :) Tama yung suggestion niya na mag-start kayo mag-open ng savings account bago mag-apply for credit card, kasi dun din ako nagsimila and now different banks are offering me at approved agad.

[@camilabratz1276]

How did you apply for cc po? And which bank po?

[@vinusaur]

Planning to apply for a credit card. Thank you for the additional knowledge. You earned yourself a subscriber 😌

[@frozenangell1]

the only thing is only if you get approved.

[@karlamargarettang9243]

Sa payslip naman po basehan e

[@mtcourtleonidtony671]

To get your credit card urgently chart with surebelly on telegram

[@CharmdeLeon]

I love credit cards and their rewards! They’re great tools, just pay them in full every month! 😂

[@jasminmesina4153]

I've been using credit cards for almost 3 years na. I got my first CC w/o applying, nung nag wowork pa ako sa corporate lagi may natitirang amount sa payroll acc ko when it reached a certain amount BDO sent me a CC without informing me. And then I got my second one sa mall (Union Bank), pinilit nila ako, sabi ia-access pa naman daw kung maa-approve so nag fill up ako ng form at hiningi IDs ko, (TIN + PhilHealth). Then the following month, na receive ko agad. I think dahil sa first cc ko kaya na-approve yung second. Sobrang helpful ng CC pero kailangan ng strong self-discipline.

[@exavieracemunar5731]

I JUST FOUND THE RIGHT CHANNEL IN ADULTING! 😍😍😍

[@xx_skyyy143]

credit card and debit card (which one is better), savings and etc next please

[@airalei9562]

I prefer using DEBIT CARD. Hahaha! Na-ko-control ko kasi expenses ko. 😂 Impulsive buyer kasi ako kaya ayoko ng CC. 😂 Marupok ako pagdating sa SALE. 😂

[@shielamariemiranda4367]

Hi Ms. Thea. I've been your subscriber for quite sometime already. And I really wanna thank you for creating very informative videos. I really love most especially your videos about adulting and practicality in life. More videos like this pa sana. Super helpful lalo na sa tulad kong nasa early adulthood. Hopefully next topic na idiscuss mo is about savings and investments. More powers pa Ms. Thea! ❤

[@ElydiaReyes]

yay. ang galing. very clear and comprehensive and not boring. this is really helpful. Salamatsss.

[@FarhanaIbrahim]

24 minute video is worth watching swear!! Thanks for this helpful tips!

[@joanamantiquilla3818]

The digitized Postal ID now is considered a valid government ID :)

[@TheaSyBautista]

Aww thank you for this! Na roll out na pala sya ♥️

[@etowaifumura4952]

kahit po ba TIN id bawal ppa din?

[@chrislim8584]

Primary ID na sya

[@frozenangell1]

@@etowaifumura4952 oo kasi nakocustomize ung tin id ikaw maglalagay ng picture unlike UMID and passport

[@twenty3rd218]

Kelan pa na digitized yung Postal ID?

[@ainenieto4822]

I've always been skeptic about credit cards most especially ever since I last watched Confessions of a Shopaholic lol. But wow love how informative this is!

[@abegailortega5179]

I love how everything was explained.first tine user ako ng credit card at natatakot ako baka lumobo utang ko. Now i know what to do. Im subscribing to your channel 🙂

[@Marvzki19]

I have 2 CC na and totoo depende pano mo siya gagamitin. It can work to your advantage basta babayaran mo siya on time.☺

[@happyhandcrafts2395]

Next Insurancesssss (different kind/importance), savings&investment, best credit card brand..

[@jonathan_s._galang]

thanks, very informative, sana next talk about on how to get a loan from a bank, marami pa kasing misinformation abut this.

[@missinfamous6848]

You forgot to mention na banks offer 3-month holiday,which means, nag purchase ka today pero after 3 mos.kpa sisingilin,0% interest.

[@gerardmedina9106]

Some offers that. Pero rare yung may staple promo na ganyan. I know BDO does that. Pero yes, that's true.

[@reynoldrivera8716]

Just got my first credit card because of your videos! Thank you!! Your vids are informative and straight to the point.

[@jessicasalango1171]

Really really helpful! CC user for almost 2 years and some topics discussed, ngayon ko lang nalaman. Wow. Thank you Ma'am!

[@aybehhh21]

Hi Ms. Thea.. My sister really wanted to get her own credit card. But until now after trying a lot of different banks her application are always denied. She provided all the requirements needed and even have a good standing amount of savings. The only reason she is thinking is that shr works under a BPO (Call Center Agent) company. Why is it like that? I also talked to a agent and when I told him that she is working in a BPO company he does not follow up her application. 😭😢 Hope you can share your thoughts about this situation.

[@markg5631]

aybehhh21 hhmm... if you have a good savings in your bank they will be the one to offer credit card to you... pipilitin ka pa nilang kumuha...

[@jacealviar1430]

We have the same nature of work and I got approved to own a credit card. Usually their reqs for BPO employees are tenure and basic salary. Some banks would visit BPO companies thru agents. High chance she'll get approved.

[@aybehhh21]

@@markg5631 kaya nga eh. same sentiment din sakin kasi ako panay offer sila. kaso sa sister ko hindi though. 🤔😩

[@aybehhh21]

@@jacealviar1430 i will tell her this. thanks for sharing your experience. 😁😉

[@justjane7504]

Mas maganda kung dun sya mag aapply sa bank kung san sya may account lalo na at may goof standing amount of savings naman sya. She can apply personal sa banko, or thru their hotline.

[@XandraBays]

Nice content! Complete informations, more content like this please... Gob bless this channel😊