💳 Credit Cards for BEGINNERS | vs Debit Card, Pros & Cons, How to Apply | Credit Cards 101

[@NicoleAlbaYT]

I know a lot of people are scared of credit cards, but I personally think everyone should have one because it's a super useful money tool! I got my first credit card almost two years ago and I think I've learned enough to make a video explaining how it works 💳 Hopefully this video levels up your finance brain powers and helps you guys understand credit cards better! I'll make more credit card videos pa so feel free to comment other questions you have 😄✨🍞 - How I got a Credit Card as a Student (2020) - kzbin.info/www/bejne/rXraYYOQrtx_pNU - Get 1 month free trial of Skillshare: skl.sh/nicolealba03221 💳 Apply for Citibank Credit Cards - Rewards bit.ly/3upS68U - Simplicity+ bit.ly/3Gq9Ao7 - Cash Back bit.ly/3uxoGpk

[@bellebacol-aguilar1741]

This was me. But decided to get one after 5 yrs of working! But you need to be mindful in using it, dapat budgeted pa rin para hindi laging one time millionaire 😂

[@dongshengdi773]

@@bellebacol-aguilar1741 All credit cards are scams . If you don't know that , then go ahead and get scammed 👍

[@drossano9794]

pls marry me :D You are increasing my finance IQ and making my life a lot better, literally used to make the worse financial decisions lol. Thanks!

[@aliloreno]

Hi @Nicole ! Where do you typically see the details on the rewards and value of the card?

[@wigglygaming2742]

Hi Nicole, I just want to ask that which one is better to use BPI or PNB and on credit or debit. Since BPI and PNB are the only option for my salary to be received. This money will only be used to pay for my tuition. How much money should I spend, like I shouldn't spend everything that this card have for my tuition right? Is there a percentage limitation to spend? Does my question make sense lol

[@rainsarchive1460]

Great video. I got Platinum Master Card from Union Bank. My only advise when you have a Credit card is “Spend it wisely”

[@isebalee1671]

I got a pre-approved cc from BDO with a six digit limit last year. I was 21 then and still a student (til now). Bc of that, I learned how to use it responsibly. It actually made my finance system more organized and I became more disciplined, contrary to the preconceived notions. I always pay in full before the due date. Good thing also, I got the No Annual Fee For Life 💖 Kaya wag matakot sa cc, you can use it to your advantage!

[@review010]

Since may minimum base income requirement, ano po ba work nyu or things that you did to get appproved?

[@isebalee1671]

@@review010 I really didn't apply for it. BDO just sent me one without my consent lol 🤣 But as a background, I usually have a consistent cashflow, around 12k per week (got it from SEO freelance work). I don't store my money sa BDO savings acc kasi ang baba ng interest hahaha pero maybe my cash flow was their basis kung bakit pinadalhan ako ng cc.

[@paulaleitating6202]

How did you get the no annual fee?

[@yourlostacecard]

*Hi, how did you get the NO ANNUAL FEE?*

[@welmerbolotaolo3802]

How did you get the No Annual Fee For Life???

[@vipjacq]

When I resigned from my previous work where we used BPI for payroll, I continued using my BPI debit card as a savings account. Around 2 years later, BPI offered me BPI Gold because of my stable and continuous transactions in my payroll/savings account. And that is me not owning any credit card before even a secured credit card.

[@LuKaa316]

Hi, did they call you or just sent you the card?

[@kimmyestrada2799]

Hi Nicole, I dont know if its just me but listening to you speak in english feels like listening to a full tagalog video. IDK you speak so good!!!

[@frebs141]

Thanks! Helpful po

[@filipinoinvestors3102]

Thank you for your tips Nicole. I love your videos. :) Because of your videos, I started using credit cards. After 2 years of using it, I decided to apply for a credit score report last February 2022. I got a score of 800 which is low risk. I feel more confident that I am on the right financial journey, especially with the banks and other lending institutions. Thank you for inspiring me with your videos. :)

[@什麼應用-c6q]

.Hi

[@earlcosajise6448]

I'm actually paying attention in every word that you are saying u r so gwapo (cool) when you speak and I can literally like literally understand every word that comes out of your mouth. thanks for the tips!

[@shanmuganathanm2384]

1st comment from India❤️Although some of your videos on crypto cards and other finance doesn't apply for me, I'd still love to watch and feel your vibe, Nicole😇

[@NicoleAlbaYT]

Wooow amazing!! Sending you good vibes all the way there in India. Super glad that my videos have been helpful to you even though I'm Filipino. Thanks for the support Shanmuganathan 😄✨💙

[@shanmuganathanm2384]

@@NicoleAlbaYT I'm referred as "Shaan" by folks who are from other parts of the country - just in case if you felt my fullname is difficult to get used to, Nicole 😅😉

[@zachdulnuan6398]

@@NicoleAlbaYT ate nagpagupit ka po ba? 😅 parang mas shorter po yung hair ninyo eh 😅

[@bokthechicken]

ANG GALING NUNG PASOK NG ADS HAHAHA! KEEP IT UP!

[@jaysoncapate4456]

So Helpful! Imagine this is a 1 year old video 😊 thanks!

[@JustNam66]

Yay! Got my 1st credit card from Amex Platinum Cash back. Very useful po if you own CC but always remember to be mindful of your spending, still be responsible parin! Thank you sa tips po. Great video! ❤️❤️❤️

[@KrystalXMaiden]

Great intro to cc video! I really hope that more Filipinos get knowledge on personal finance so that the stigma against credit cards would stop. Credit cards aren’t bad, only people are bad :) if the user isn’t responsible, then you’ll really get into debt. I have been using credit cards for a few years now, I have never paid for any fees and always got my annual fees waived. I even have a few credit cards that are tagged as “no annual fee for life” and have some points saved up for free roundtrip flights once more countries open up for travel. Looking forward to more credit card videos cos I’m always eager to learn. Thanks, Nicole.

[@NicoleAlbaYT]

Yep!! Haha credit cards are TOOOLS and ang saya ng rewards and promos 😆 Thanks Krystal 😁✨💳

[@Moa_Smug]

@@NicoleAlbaYT I heard from people from other countries na may types of credit cards na walang annual fees, can u please make a video about that? Kc hindi raw lahat ng credit cards may annual fees.

[@cirocsprite]

this is very helpful, i just received my first ever credit card from BPI

[@julyuhhh6385]

Thank you, thank you.I've been searching for a while now sa ganitong detailed video but wala akong mahanap.Finally, mas naintindihan ko na rin mga kaibahan nila.

[@什麼應用-c6q]

.Hi

[@jenatutubo]

Nicole, I got my first credit card last year because of you! Yey! 😁

[@NicoleAlbaYT]

EYY NICE ONE JEN!! 😄✨💳

[@racquelc2772]

THE BEST INFORMATIONS ABOUT GETTING CC I HOPE MY NIECES WOULD HEAR THIS FROM YOU

[@maelyenkayebanzon8978]

ate!!! not content-related but thanks to you, I got conscious of my cash flow and I was able to open my personal savings account. started with 75 centavos for Gsave cos that was the only money I had on my Gcash back then. now, I have 3 savings accounts. more learnings from you and more power on your channel. ily

[@blouecore]

im happy I see your yt since im so interested about money or financials, I love the way you explain it well. thank youuu♥️

[@ItsMissShopaholic]

Hello ate! Lost soul here Planing to get my first cc, and is looking at all my options. Paano niyo po kinuha yung RTS Ratio sa excel ninyo? HAHAHAH

[@iriskyesamonte3885]

Love the smooth transition to the sponsor. HAHA. watched this video because im planning on getting one soon.

[@johnrexcruz6296]

Galing mag-explain, very clear and concise!

[@christianjamesquibral5839]

The last time I watch your tutorial un ung time na nagsisimula ka palang sa SCC and ginawa ko din sya hehe and now madami na rin akong approve regular cc

[@itsmePapaLeids]

Thank you for this comprehensive video! Great help! 😊

[@MorrisDXplorer]

Salamat kasi nawala takot ko na gamitin ang cc ko. Salamat sa enlightenment.

[@MoneyMalayalam]

Informative ❤️

[@hyunjinki1995]

3:20 not always a case Some times they just put it just to catch it’s more of an a business thing Specially when Citibank migration to UB

[@debielynclamosa6093]

I used to fear credit cards because of the interest charges and annual fees. However, now, I feel more financially literate.

[@keana5763]

I like how you explain everything. Madami akong natutunan sa video na to. Glad napunta ako sa channel mo. Sa dinami dami ng pinanood ko. Ito lamg nakasagot sa tanong ko. Thank you so much. Keep it up!

[@vanessamarinas]

thanks for this video! very helpful and i learned a lot about credit cards

[@minamomo12]

this is so informative! thank you

[@ogretheshriek]

KNEE COAL ALBUUHH !! CANT WAIT LEZGAW !!!!

[@NicoleAlbaYT]

Unique comment i like this HAHAH LEZGAW GEAZYYY 😤🍞

[@kuyawill03]

You are informative and fun!!! Nakakainspire tbh

[@joeljohncarino7759]

you got me at "adulting vibes" and "like a boss," I'm getting one

[@almaikyagh]

Credit cards are indeed a game changer. I'll try one myself

[@annaviviandelapena1335]

Just be careful sa mga scammers, and try hard not to pay in installment - mababaon ka sa utang!

[@elmerganzan9131]

You have incredible talent about credit cards, its fantastic idea thanks ma'am.

[@punchesabrickston]

YO! MISS NICOLE...SAY WHAT? I'M IN SHOCK...YOU HAVE SO MANY CARDS...I DON'T EVEN HAVE A DEBIT CARD. KEEP UP THE GOOD JOB, WE'RE ALL LEARNING FROM YOU AND YOUR RESEARCH...YOU HAVE SO MANY CARDS...I'M SLEEPY

[@gimmarmanjares8666]

Very entertaining to watch. Thanks for the info, Nicole!

[@harveyestis2750]

I would say I don’t know how I find you on KZbin, but I know better. My husband and I have been in prayer so that we get our credit scores up and our credit record in great shape so that we can purchase our forever home. It was no one but God that led me to *Web backdoors🕳️org* . I thank God for this wisdom. Bless you.

[@harveyestis2750]

You can also need to look their name up to see their website

[@reddy1917]

Hi Nicole! Off topic but what mic are you using? Thanks!

[@misskeeshiaaa]

Just a video that I needed. Been contemplating about getting a CC.

[@hyzerotaro8737]

Great video, learned a lot about the CC card from your vid, keep it up girl !!

[@michellewingsantsang8344]

exactly what I needed! thank you so muchhh, Nicole!

[@eyndyel]

Your video is the BEST so far - among all the credit card 101 vids💕

[@NicoleAlbaYT]

Nice haha thank you!! Glad that it’s easy to understand 😄✨💙

[@curtwong7921]

Great video! Sana next video is all on how to improve credit score/rating.

[@xyzeee0619]

I grew up thinking that credit card is bad. My cousin got into a bad debt because of credit card that's why my family always warn me abt having one. Now that I'm earning, I started watching videos abt CC and discovered its not a bad thing as long as u are disciplined and responsible mangungutang. Got my first credit card last Dec and only use it pag kelangan tlga ☺️

[@什麼應用-c6q]

For profitable investment👆

[@HiJuliene]

Hi, pag di ginagamit yung cc , wala ka din naman babayaran?

[@xyzeee0619]

@@HiJuliene Depends po. Some CC have annual fee that u need to pay , some doesn’t

[@tmcrstbl]

Finally, been waiting for this. 🥳

[@NicoleAlbaYT]

WOOHOO yez Rostum nandito naa HAHA 😄✨

[@tmcrstbl]

Thanks for this great video. But I do have a question, is it good practice to use a credit card for monthly bills? 😁

[@diannemariegonzales3933]

Nice. Very comprehensive review

[@lenniejoaquin7091]

yess i need this! been planning to get it soon!

[@ingridmojello]

Thank you for your tips, Nicole!

[@justkarryon473]

My first credit card was offered by the bank since may savings account na ako sa kanila. From there, sunod sunod na yung approval ng cc application ko. From 1 credit card, now meron na akong 7 cards. And yes, I use them wisely.

[@azshloreshadows1396]

I hope you make more of this! This is so helpy

[@jbbautista3623]

Ate Nicole inspires me to do well. 😊

[@NicoleAlbaYT]

WOOOT! Yehes let’s all do our best every day 😄✨🍞

[@SFasakapa]

just what i needed, :D got my first CC yesterday and dont know what to do to it and how i can maximize it

[@patrick9177]

How do you pay your credit balance? from your savings account or an over the counter transaction with the bank?

[@sickeninggg]

Appreciate the insights. I was about to apply for a credit card, but I realized the importance of refining my spending habits first. Gotta get that financial balance before diving in hahahaha. Continue your excellent work; your content proves incredibly beneficial. The insights you provide are truly valuable and make a significant impact on understanding various subjects. Your efforts are highly appreciated, and I look forward to more insightful content in the future. ❤❤❤

[@cutiepatootie4310]

Hi Nicole, thanks for this video! About RTS, so dapat be mababa ang percent mas okay?

[@classinick]

Very detailed, direct, complete information. Good video!

[@Jeff-wr6mm]

Wow new haircut Lodi! 🙌🙌

[@abdullaa2313]

Just what I am looking into right now. Thanks!

[@markaaroneugenio4036]

Thanks for this! Kailangan na kailangan ko to :(

[@vincentmudlong4092]

Nice video, more power to your channel. I’m living here is South Korea and recently I was offered with credit card and that’s the very first credit card in my whole life. At first I was excited for points, cash back, discounts but as I made a research and ask those who own both debit and credit card here they almost usually say the same as what you say. And it makes me confuse, why would I want a credit card when I could actually afford what I want to purchase in the first place.

[@jepacido5118]

It is supposed to help you build your credit score.

[@W1nt3rSTREAMTh4li4]

I've tried asking my parents about the difference between debit cards and credit cards but their explanation never sticks to me. This is the "explain it to me like I am 5" discussion that I need. 😂😂

[@NicoleAlbaYT]

HAHA nice 😆

[@Moa_Smug]

Parents won't go into detail, a lot of parents i think don't know how to explain it with full clarity because they don't know how to explain them...A lot of people don't read lengthy terms of service after all so that's another factor to it 😅.

[@xyzeee0619]

My first credit card was Premium Tier na pla. I didn't know until I watched ur video 😮

[@hisokahyo4916]

Can you also make a video choosing between prepaid or postpaid

[@gabrielasumen1126]

Thank you for sharing your knowledge about credit cards. I want to learn about debit cards naman po nakakuha na po kasi ako nang bdo savings account pero kunti lang nalalaman ko sa pros and cons natatakot ako sa mga annual fees nang debit cards 😅

[@123Bangtan]

thank you ate nicole! this has been a very informative video.

[@annabelleforteza1867]

Thank you for the information you shared😊

[@kimluna5175]

Hi Nicole! Did you apply for BPI Gold or did you secure a holdout amount? Also, was it a lot easier for you to apply for BPI once you got your other credit cards?

[@review010]

Just want to thank you for your vids. These are quite helpful especially where you have to face growing up na. Sheesh. Keep posting videos like this. Looking forward for more

[@sailorinthenight]

This type of content is soooo good for adulting 101 hahaha Anyway, I miss watching your videos. Nilamon na ko ng acads kaya andito ko to relax hahaha

[@paultimothyjimenez5275]

Hello may I ask how did you apply for Citibank credit card as a student? I have a credit card for a year already but I want to apply for Citibank Credit Card.

[@hyunjinki1995]

13:11 begged to disagree I’ve been loyal customer of BPI and been rejected several times and worst part I’ve lost cash on my savings account and the bank seems like don’t like to pay for it or reimburse for it And I got my credit card with my 3rd (traditional/ physical) bank with UB after just a week or so applying my debit card with them I got approved

[@sheenalynmaglasang272]

Hello Nicole, I got my citi rewards card last June 6, I opted to get the citi card because of its rewards but because of your topic regarding the reward-to-spend ratios i got confused. I have a hard time understanding it. Could you elaborate a little just so i would know which among the cards offers the best rewards. 😁 Thank you.

[@emsi1995]

Hi Nicole, just wondering if you were able to convert your scc to a regular cc? 😀

[@NicoleAlbaYT]

The BDO SCC can’t be converted. I was told I need to cancel it to get my deposit back and apply for a regular card. My BPI is also an SCC, but I’m planning to convert it to a regular CC soon! I’ll make a video about it 😄💳

[@ronedecastro5933]

@@NicoleAlbaYT hi Nicole does BPI have a Gold tier secured CC? 🤔 I thought secured CC comes in Blue.

[@reginaldc.08]

@@ronedecastro5933 i think it depends on your holdout amount.

[@Seajaaayyy]

@@NicoleAlbaYT niks parang same yung BPI sa BDO. I owned SCC last 2020 and tried converting it to a regular CC last year. They said I have to cancel it and apply for a regular cc 😩

[@Pauljack2370]

@@NicoleAlbaYT i heard that cancelling your card will have a negative effect on your credit score. Did you cancel your SCC first b4 applying for a regular CC? Or you applied on a regular cc while you have the SCC..

[@RuffaBeltranVlogs]

Thank u po mam its very informative kay im a cc holder thanks for the info

[@forevPat]

Content for best credit card to apply for. Ano or sang bank pinakamaganda magapply ng atleast beginner CC. Planning to get one kaso diko alam kung sang bank pinakamaganda. Thank you!

[@什麼應用-c6q]

,For profitable investment👆

[@flaurelkim1524]

Eto na yung iniintay ko about credit cards namn yass🤧😍

[@NicoleAlbaYT]

YAAAS hopefuly nakatulong ang video hehehe 😄✨💳

[@jimmykirito0305]

I'm a college student from Taiwan I often use debit card shopping at mall or buy stuffs in supermarket It's convenience really surprised me And I just had a credit card 3 months ago, credit card is just like lending money without any fees for a month But it's not equal you can spend alot that you can't afford credit card's appearance is to spend money smart

[@ma.clydellemaitum6856]

Do you have review about bpi gold cc? Pwede po pa explain din yung features, pros and cons. Thank you!❤

[@butchtv4881]

MEEENNNNNN 75k Annuallll!! woooooohhhhh!!!

[@lmc.lezarcus]

Can you make a video about the rewards system you talked in the last part of the video, please? Thank you!

[@jowelllabucuas454]

Thank you ❣️ and welcome back new upload ❤️❤️❤️❤️

[@jissang555]

Just subscribed! Awesome topic❤

[@ajc.lozares]

Damn, I should've discovered you sooner! New subscriber here. I like how very informative and concise this is.

[@psd504]

Your haircut suits you! Thank you for another informative yet digestable content!

[@NicoleAlbaYT]

Yie haha thank you Precious!!! 😄✨💙

[@carlanthonydelosangeles7411]

Hindi talaga ako familiar sa credit cards aside from secondhand knowledge mula sa friends ko na nagamit ng credit cards. This would be helpful for ideas bago ako kumuha. 😃

[@NicoleAlbaYT]

Yep! Madaming takot sa credit cards pero kailangan lang naman maging responsible para hindi mabaon sa utang. Hopefully nakatulong yung video sa iyo! 😄✨🍞

[@renzoaldridgequiballo9089]

The information is extremely useful; make a credit score video, please.

[@fruitloops35]

After watching this very illuminating video, I have learned much about Credit Cards and also developed a crush on you. Thank you so much. I will now subscribe to your channel.

[@anammorar]

Thank you for this life lesson. I'm learning with my parents & you 😁

[@什麼應用-c6q]

For profitable investment👆

[@jeanchristophe7159]

Thanks for the time you put creating this vid. Really appreciate.

[@什麼應用-c6q]

For profitable investment👆

[@cyyy5019]

Thank you for this wonderful and very informative vid!! Looking forward to more CC vlogs~ I'm planning to get one in BPI pero hindi pa ako sure kung mag SCC ako o lalakasan ko yung loob ko mag apply sa regular CC hahaha 😆 Suggestion lang din, if u have time to create vlogs about installment house loan or any related stuffs, I would really be grateful. Thank youuuu

[@NicoleAlbaYT]

My BPI is an SCC kasi nireject nila ako when I tried for a regular card haha. Try mo for a regular card muna baka swerte and they’ll approve! 😄💳

[@savage_0217]

Go with BPI although medyo tumaas na yung holding amount nila from 10k before to 35k as of today already, bpi will never fail you if you used it as a reference if your planning to apply for regular credit card.

[@cyyy5019]

@@savage_0217 Omg 😧nakakahinayang naman. dapat pala nag avail na ako dati ng SCC na may holding amount na 10k. Anyway, thank you for this info.

[@midnight_k609]

Thank u so much for this video. Been waiting for these types of content. I'm like 23 years old with no knowledge about these cards😅🤣 This was really helpful

[@DayswiththeLyons]

Hi, Nicole, why BPI Signature Card is your dream card?

[@emil-cg9qb]

Very clear explanation 👍🏻

[@marklayco7940]

I hope you already get the BPI Visa Signature ❤

[@jhontrinidad6058]

Thanks for this, Ms. Nicole! :)

[@rommelitodeguzman]

Ma'am as a current bsmt student and future seafarer what bank and what kind of bank account should we get. Should we use credit or debit?

[@kevinstotomas-cf4zu]

Very informative. Thank you! I wish you would have explained more how annual fees work. Like, how to not to have to pay them. Hehe Awesome video nontheless!

[@IamJAPH]

Dude I've learned a lot!

[@TheSonnyGo]

"If you are paying interest fees, papaluin kita!" I felt that... 🤣