💳 How I got a Credit Card as a Student Philippines | Credit Cards for Beginners | BDO Visa Classic

I'm super excited to get my first-ever credit card! For some context, I'm currently 20-years-old and I'm still a student. I have no stable source of income, but I was able to get a BDO Visa Classic credit card!
I've been wanting to get a credit card for so long mostly because I was excited to start earning points and get rewards 😅 This isn't a comprehensive credit card video, but I wanted to explain my reasons for applying for a card as well some of my thoughts about my experience. In this video, I'll be talking about why I applied for a credit card, why I chose the BDO Visa Classic, my application process experience, and my thoughts and recommendations for those thinking about applying for a card.
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✅WHAT TO WATCH NEXT
➜ 🤑 Best High Interest Savings Account Philippines: • 🤑 Best High Interest S...
➜ How I Manage My Finances in My 20's: • How I Manage My Financ...
➜ 📈 What I Invest in as a 20-year-old College Student: • 📈 What I Invest in as ...
➜ What to do with (your future) ₱100,000: • What to do with (your ...
➜ Why I Invest in Crypto: • Why I Invest in Crypto...
➜ Personal Finance 101: • 🤑 Personal Finance 101
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🚀Subcount: 64,433
🕰TIMESTAMPS:
00:00 Introduction
01:04 Overview
01:35 Why did I apply for a credit card?
05:26 Why BDO Visa Classic (Secured) Credit Card?
07:13 My Credit Card application experience
08:44 Thoughts and recommendations for first-time applicants
➜ PH banks offering Secured Credit Cards: Security Bank, BDO, BPI, Metrobank AUB, RCBC
Send this video to your homies so you guys can benefit from managing your finances together! SUBSCRIBE for more videos like this! I post one video a week and I talk about personal finance, self-development, or anything I learn or experience throughout my life as a 20-year-old.
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🤝 Where to reach me
➜ IG: @alba.nicoleee
➜ Email: [e-mail]
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#BDOVisaClassic #FirstCreditCard #PersonalFinancePH
💳 How I got a Credit Card as a Student in the Philippines | Credit Cards for Beginners | BDO Visa
Credit card Philippines for beginners / credit cards 2020 / credit card philippines tips / credit card student no income / credit card for students philippine guaranteed / secured credit card philippines / credit card for freelancers / beginner credit card / credit cards ph / credit cards basics / bdo visa classic review / bdo credit cards / bpi credit card

[@NicoleAlbaYT]

I was really excited to receive this card, so I wanted to share my reasons for getting my first credit card! This video officially marks the start of credit card videos on this channel 🌟💳 Haha share your thoughts about credit cards down below! Hopefully you guys pick up something new from this week's video 😁 Links to apply to Citibank credit cards are in the description 😉

[@azi-muth]

I was scared of having a credit card but then I called from the bank saying I was pre-approved for this type of card with this much limit and I was like "yeah boii I'm rich! ha ha", then reality sunk in that I could only spend what I have. Anyways, having a card is awesome, no hassle payments and the points accumulated is fun to watch. Thinking of applying for other cards but not yet solid tho. As always, great video. Very interesting to watch 👍🏻

[@magalona13]

I also got mine yesterday 😊

[@minnieallensunglao8800]

Planning to get one today either with BDO or METROBANK, coz BPI failed me 😔

[@ejayringor7328]

How can I apply citi credit card?

[@christinemerioles8826]

Ate nicole Pwede po ba yan sa mga Highschool

[@ThePowerfull001]

I'm 32 years old yet still learning from a 20 year old lady here. I've honestly invested my hard earned 100,000 pesos to CIMB due to its 4% interest per annum and that's all because of you. I'm really inspired by you. Keep it up! 👍❤️

[@catherinetaylor3589]

👍

[@GrimYak]

Putting that small amount on a bank account for interest really does not do anything significant. Try the stock market. Bought shares with Jolibee last year when the market was down and have earned a lot on it already. Stocks does carry a lot more risks but also more reward.

[@ThePowerfull001]

@Jay G I'm not a fan of stock market bro.

[@Sunny-en3pr]

@@GrimYak not everyone can afford a high risk investment. Not every investment is for everyone. Good for you that you earned :).

[@business3265]

@@Sunny-en3pr ok everyone is dreaming to be rich but don't want what it needs to be rich

[@japrilcataluna6956]

I had my first credit card at the age of 23 with less than 20k credit limit. It was very difficult to apply for one back then. But discipline is really key to building good credit. Now, I have at least 6 digits credit limit. Thank you, Nicole, for teaching the young (and even the old) about managing their finance. I hope you share your strategy in building up an emergency fund on your upcoming videos

[@regieguibao8326]

hello po. i did apply but i got rejected i dont know why, i have monthly salary more than minimum wage. can you tell me some tips ?

[@jeremiahmorales7540]

I also applied for a secured credit card in my bank (BPI) and it only took them almost 2 weeks to process my application. It was quite fast considering pandemic-related delays and now I'm just waiting for it to be delivered. Anyway, a very big congratulations, Nicole! You became an integral part of my financial journey. I've learned a lot of lessons from you and I thank you very much for that!

[@NicoleAlbaYT]

Wow ang bilis ng sa iyo!! Congrats and thank you for watchint 😄❤🍞

[@coachmgracep]

I am joyful to see youngster talk about this kind of stuff. Vibes is so light. Content is articulated well. Kudos!! 👌

[@juanantoniocruz2937]

When the memes and the financial advice are just right, you get this gem of a video.

[@NicoleAlbaYT]

Memes + finance 🤯

[@riazami88]

I don't know why but im 29 and I'm always waiting for her new vid.. did change my life upside down..Save,/Invest/repeat..🙏 never too late to start all over again

[@r.a.alvarez6063]

I'm here 40% for the content, 60% for the vibes of the host. Loll. Keep making these! More power!

[@NicoleAlbaYT]

Good vibes only 🌟❤

[@rhearosari7966]

This is also me

[@angeline816]

This is the kind of social media influencer that should be hitting millions of subss. You are inspiration to the younger generations. I'm seeing a brighter future for the young ones following you. Keep up the good work!

[@NicoleAlbaYT]

Thank you for the kind words Angeline! I do my best 😁❤🍞

[@asleejaybarcena7797]

Ate Nicole, Your videos remind me to save money whenever Lazada and Shopee ads pops up 🤣

[@callmeann1938]

Haha true 🤣

[@tammycaspe3962]

Bili na Pasko naman na eh.😈😈 😂

[@NicoleAlbaYT]

Keep the money in your wallet dudes 😆

[@jyleskobe7242]

😂😂

[@sigrid1conan]

Girl same😂🙌

[@adamdrews6682]

She's giving me an Architect Oliver vibes hahah

[@NicoleAlbaYT]

B I G B R A A A A A A I I N N 🧠

[@seuji]

Yes, a girl version.

[@urengrel7716]

Mahhhh dudessss

[@asiangal9262]

Omg yess

[@venicegailcatarongan2162]

Akala ko ako lang 🤘

[@evernightt]

Nicole, your videos have become a friend to so many. You add value to the cloud.

[@sheenajoanbella4871]

Hindi ka nakaka bwiset panuorin. Im happy vlog mo lumabas when I search for this article. Thank you 😊

[@Ricenburg]

Great vid. I'm 25 years old but I am only starting to apply for credit cards now. I avoided credit cards because I was taught that they are bad. This may not be a credit card 101 video but I learned a lot from it. I am looking forward to a video explaining credit cards more in-depth from Nicole. Keep up the good work. Thank you.

[@CM-fv6lw]

Here in Canada, you can get as many credit cards as you want. You gotta have it here coz building a high credit score really matters in every aspect of your life. It will determine the bank and or workplaces of how responsible you are when managing your credits. I currently have 2 that I actively use, while the 4 others I chose not to use. After all, it’s all about discipline and it’s really useful though especially for auto-payments like phone bills, netflix, internet and tv bills.

[@lolaatearteen]

Thank you for this assuring video. I've been wanting to get a credit card but unsure how to start and fearful of how to really manage using it. Thanks for this honest video!

[@christophermalabanan3850]

SO PROUD OF THIS GAL!!! 💳💳💳 As credit cards are awesome as it is, always still pay it in full and on time. 😅😅😅

[@daynadream]

Already pressing a like cuz I know this gon be educationally delicious for my brain

[@NicoleAlbaYT]

Bread for your brain 🍞🍞🍞🍞

[@allanchizcunanan3398]

seeing a Visa logo always makes me smile coz i work for them

[@NicoleAlbaYT]

Huwaw 😲💳

[@mselainekim]

Why did Citibank transfer to Mastercard btw? Do you happen to know?

[@allanchizcunanan3398]

@@mselainekim may visa pa rin citibank. may cc ako from them :)

[@mselainekim]

@@allanchizcunanan3398 i think old CCs yan.. they only issue Mastercard from now on..

[@joerandytabungao]

I’m now 32 and I just started TRULY saving and investing. I regret I didn’t do it while I was young but I guess it’s not too late for me to do it this time. I’ve learned a lot from your videos, Nicole! I truly appreciate you generously shared your best practices. You inspire the young. You showed that it is possible to start earning and becoming rich at a young age not just by relying on inheritance. Kudos!

[@emmalia8559]

I was just thinking and curious about credit and debit cards just before i saw this vid hahaha I learn so much from you ate! thank youuu.

[@justmemichie28]

Yung vids mo randomly na dumaan lang sakin then now halos everyday na kita pinapanood. I love your content!💞 Stay safe lagi and God bless you.

[@Avilov08]

Your ideas and insights are brilliant despite your age, darn, how I wish I was born in this genre or this information was available too long time ago so that my mistakes in life were a little bit lesser than what I had made.

[@mvelz7579]

You really inspired me to track my expenses. Dahil sa video mo about how you manage your finances, I was able to stop spending unnecessary things, and I was anle to save more for investing in myself ❤️

[@NicoleAlbaYT]

That's great to hear! Proud of your progress 😁❤🍞

[@slyfer5321]

Damn. You have 65k subs already?!?! I found you on reddit way back then and I subbed when you're at 100 subs.

[@NicoleAlbaYT]

I remember ur username from when I was smaller! Haha thanks for sticking around 😁❤🍞

[@slyfer5321]

@@NicoleAlbaYT Oh wow😅 you still remember me despite a lot of stuff is going on around you. That's amazing. Great work as always btw and keep rolling coz I'm always tuning in😉🍞

[@jamescapua2045]

@@NicoleAlbaYT sanaol nakaremember,

[@Erica-jl6ij]

@@NicoleAlbaYT and now, over 200k subs na! yey congrats

[@revooshnoj4078]

what subreddit?

[@cayennetorrescao9735]

Wahhh!!! what a coincidence that I was just searching online on how to get a credit card and one of my fave finance creators posts this 😩 leggow bread fam ✨

[@NicoleAlbaYT]

Aw thank you!! Haha hopefully I was able to share something useful 😄💳🍞

[@rachellelademora5850]

I LOVE THIS WOMAN! SHE'S SO GOOD AT THIS❤✊ I LOVE YOU KEEP UPLOADING

[@johnjacobdelgallego3071]

I like how you are transaparent about your affiliates. A lot of youtubers here in philippines are not.

[@TheSupDudes]

Thank you for this, been looking for a way to get a credit card. Student din kasi ako. Very helpful! More power to you :)

[@MsShushimi]

I'm so proud of your achievements! Haha feeling ate lang. Grabe 65k subs! I recommend your vids to my friends whenever we talk about money and investments ! Keep rocking Nicole!

[@NicoleAlbaYT]

Haha thank yoouuu Michelle!!! 😄❤🍞

[@aderonkeadeniyi6489]

I so much love your videos Nicole! they are very informative. I love learning about personal finance from you. Keep up with the good wok. 💕

[@mikaelaguinevere6093]

Thank you for the video! Now I can apply for a credit card (I'm still a student) for me to be able to buy a plane ticket using my card and not borrowing someone else's. God Bless!

[@NicoleAlbaYT]

Yehes go apply and be responsible with it!! Good luck 😄💳

[@lharnietoquero5770]

Glad to found this vid. New subscriber here!! Love this

[@edselquisilfabre]

Architect Oliver in Finance Version hehe.. Keep it up! We support you!

[@domestraelmusicplaylist]

Nice job nicole! keep it up parehas tayong studyante pero maaga mo naeexplore ang pag hahandle ng finances, god bless :)

[@law4457]

Hi Nicole!! Been learning a lot from your videos. So Lovely how you share every learnings you have. Will start to fix my finances! Hehe so inspired by you. I promise I'll support you and pray for our success! 🙏

[@arvieramos]

Wow! It's amazing how fast your channel grow! I still remember when we're just a little less than a thousand when I subscribed to you and here we are now. 😁

[@divineleyran6277]

You are very cool and have practical and real talks about finances, kudos 😚

[@imvergara5274]

Watching your videos makes me feel productive 😅

[@jerabainza4189]

Subscriber since 10k palang channel mo, and I watched most of your videos because it is very informative and nakakarelate ako. I am planning to get a credit card and I watched this video 2 months ago. I have my savings account sa BDO and was able to meet the minimum deposit hold out requirements but sadly 21-70 talaga ang ina-accept nila. I'm 20 years old, a student that has an investment, but I'm not yet working and I really want to get a credit card to start building my credit history and to wisely use this instead of using cash whenever I'm shopping. Swerte mo, Nicole! 😁

[@engr.renatosegovia867]

you have quality content, please continue doing this kind of stuffs

[@residentblahgurl]

YOU'RE THE BEST NICOLE!!!

[@sammylu4015]

Albaaaaa! Your videos are great! I'm so proud of you.

[@micahpenas6043]

Hi nicole, i just inspired by you and following you since a few months ago. And because of that I just get a card like that a few days ago. THANK YOU FOR INSPIRING ME💙

[@EM-el2so]

Shared this to my sister. She has been considering applying for a card. Also, I finally bought Rich Dad Poor Dad because of you. I always see a copy but never bought one. I now have a preloved copy. Hahaha! Thaaanks!

[@anavictoria6872]

Was planning to get a credit card and what you mentioned here never crossed my mind huhu pls educate us more!!

[@MegaVino20]

congratulations on your first credit card

[@jongho.finance_made_easy]

"Im ready to start flying for free" 😂 That's the majority of the reason why people get more and more credit cards lolll

[@NicoleAlbaYT]

Gotta rack up dem points and sign-up bonuses 🤑😆

[@johneduardoctavianoiv9749]

So straight forward. I luv it.

[@yien7479]

I watched this video just to see your wholesome reactions and funny gifs🤣 (also for the content ofc🙈)

[@lorimaydeguzman1110]

That's great! I got BDO Visa Classic as my first credit card as well. In my case tho, I didn't apply for it hahaha or any other CCs. I'm not a fan of credit cards but I do have several debits. Please upload more vids about proper financial planning. It helps us a lot! Thank youuu~

[@harmoniaa_]

Reminder ON! This bread is really helpful on my finances. 🍞😊

[@NicoleAlbaYT]

Managing your bread is an essential skill to have 😄❤🍞

[@harmoniaa_]

Agreeee!

[@carljustinfong9441]

Yooo! Your videos are great ☺️ thanks

[@mackhaelventura6035]

Yooo just joined ur discord channel, ur vids are really solid dude, so inspired someone at my age knew stuff abt this making learning this kind of things more comfortable and thank you for that nics we here for yaa breadfam!

[@theleoalagar]

Good for you na nagapply ka last July 2020 lang and received the card this December unlike me, I applied in RCBC last December 2019 and approved last February 2020 and I received my card last October 2020. See how long I waited for the card. Weekly ako tumatawag sa hotline nila to know when my card arrived

[@nadine1049]

i really love your videos! keep up!

[@christcedrickgabisan9433]

I am always excited to watch ate Nicole's content. Bread Queen!

[@NicoleAlbaYT]

THANKS FOR BEING EXCITED! 😄🌟🍞

[@gretamariveles6437]

Cant wait 💖

[@NicoleAlbaYT]

Hopefully it was worth the wait 😄🌟🍞

[@WanderwithJon]

Nice video! Looking forward to your in-depth experience with the card!

[@NicoleAlbaYT]

Yehes review video in the future!!

[@WanderwithJon]

@@NicoleAlbaYT Wahuu~ super exciting! 🥰

[@nicoleandmghin9683]

Happy 71k subs 💞❤️

[@shindori5575]

This video helped me rethink of getting a credit card, because i don’t feel responsible enough for this, maybe when i’m abit older and abit more mature haha thankyou!

[@willalvarez]

Thank you for the idea of having a credit card with a points and a passbook :)

[@drakeytik]

Hi, I first watched this video the day it was released. I learned a lot from it. 7 months after, I got my own secured credit card too. You mentioned in your video to try applying for a regular credit card after six months to one year. I'm just curious if you have applied for a regular credit card.

[@jeniferjayme869]

I started sharing your videos with my kids. I hope you can make a webinar to educate kids on how to save.

[@mizealanelumauig604]

I just got today my first credit card also. at first takot ako kumuha. but then i saw a video in IG and also this video then ayun, nagka idea ako. hahaha thank you!

[@xxnovastarkxx]

I thought it’s regular card. Well congrats for your first CC or lets say SCC.😊 That’s awesome being a student like you to think beyond your limits. Lets build good credit history to these generous banks because this year, I got 3 regular CC approved with NAFFL and waved AF. So cheers 🥂

[@ashleyvallarta]

Hey, Nicole! I’ve watched some of your videos and this video is one of my favorite. Nagpunta ako sa BDO after watching this video to apply for secured credit card. Luckily, I was qualified for a regular/basic credit card. Nakuha ko ang credit card after 3weeks of waiting. I really wanted to have my own cc para magkaroon ako ng credit records. Thank you for inspiring me ☺️

[@supakornjenthaisong6818]

pwede po ba ang installment sa secured credit card like normal credit cards?

[@ardusmangao]

sobrang smooth ang application for secured credit card sa Eastwest bank. initial deposit is 25k tho, but mine was approved in less than 2 weeks.

[@ghiboot7708]

Will wait for the credit card 101!!!!

[@geraldquintos4421]

Really regret not a credit card earlier 🙃 Congrats! Can't wait to see you get the higher tier cards! hehe

[@joanbgsl]

Hi nicole! I’m a new fan of yours and im soooooo inspired with all the videos you made. Can you also make a video about life insurance? 😀😀

[@pjmlvrs]

Hallo i'm the 1,000th liker lol hahahaha. Keep up the good work and continue on giving us tips about finance/money shits. I'm new to your channel and I'm really luvin ur vids! So much info for my self and I can't wait to earn, spend, and save money soon!

[@minato5932]

Hi Ate! Your videos were very informative. Hope you could make more inspiring videos to help us in becoming financially literate. Lots of lovee

[@AALO101]

We got our own Graham Stephan in the PH now! Let’s go!

[@kathleencardona]

Omg same! Now I’m just waiting for the card to arrive. I was able to apply for a bdo visa gold after receiving a text from bdo that I am qualified to apply for a bdo visa gold credit card even though I didn’t apply for it since I’m still a student. Pero di nagagalaw yung amount sa savings account ko

[@nobodyknows9501]

I'm thinking about this and there u are!!! I'm waiting

[@NicoleAlbaYT]

Awesome haha hopefully worth the wait!! I'm a mindreader jk 😆🍞

[@danielyanga2373]

can i say that i am extremely lucky to came across one of your vids?😅

[@edmundmheljakediabakid6676]

Its actually helpful to me in monitoring my expenses and investment on my own I actually have stable business as of now but I want explore even more to learn to control expenses and financial status considering i'm still 13years old as of february 22

[@DP-zt1tr]

Great video! 💫

[@faithangelmasangcay7544]

First time commenting here because I should! I've watched your live with Demi Bernice and I'm one of her mentee 😁. But before the live, I also watched your videos a few times when I was sooo struggling how to get money online hahaha and yes, Demi was one of the answer! I'm also a college student, I'm a year older to you, I guess 😂 and I really really love how you come to manage your stuffs this early 😍. I'll track all of your videos from the start and try them up myself! I don't have any financial support coming from my family, so I guess it'll be a different story. Nevertheless the less, I hope I can apply what you did to my life! Haha!😍😍😍😍

[@mjdabmus7401]

Kinda love and I find this video of yours very interesting. Btw I just saw your video cross along my feed and decide to watch it. Really helpful for someone young like me although I find it hard to understand investments. Still hope to watch more videos like yours that helps young persons to have knowledge about investments. 👍

[@eeron554]

I got envy about the level of financial knowledge u got! I'm really happy that I accidentally bumped in to your video/s and got hooked to it. This really feeds a lot especially with young ones. Kudos! Keep it up!

[@johnpaulevangelista9328]

I'm here because I received a BDO Credit Card even though I didn't applied for it. Thank you for the tips and explainations maam 👏

[@Paul-wg2ir]

Same here. I even thought it was scam or someone is trying to get my BDO information so I just ignored it but then I start receiving notification and they deilvered it via Entrego which seems legit.

[@mad1jules946]

It really takes months before they release the card even when it’s secured. They need to check the cashflow of the bank account you have, then they also do extensive checking, the 4 months is standard release. From here on, you can easily apply for any credit card because you have an existing one.

[@marizannrueda9444]

henlo! 👋🏻 imma new subscriber po here. i am sooooooo inspired with all your vids. nag binge watch ako nung nakaraan after heavy works sa acads. i learned a lot from you po. super gastador ko lalo na kapag may online sale. pero since watching your vids i realized na i need to become wise in handling money. i also learn paano ma-manage yung time ko as a student. kapag feels ko na natatamad na naman ako i watch your "a week in my life" vlog. can't wait to see more vlogs soon po. imma support you starting this day. 😊💛💛

[@NicoleAlbaYT]

Hi Ann welcome to the BreadFam!! 😄❤🍞 Definitely important to learn how to manage your finances, so it's great na you're starting now!! More vlogs to come in the future hehe. Thank you for your support 😁🌟

[@rillmendoza7964]

Shocks. I applied this last Oct, had several calls already. As far as I remember, they never told me na need yon ipa-notarize. Lol.

[@EA.productions]

💯 i really like your contents... yo im a fan now!🍭

[@markadrianbadoria3590]

Yow nicole, Ang galing mo hahaha even im already 27 years old Ikaw nangmulat saakin ulit sa pag handle ng pera GOOD YOW KIDDO for just being 20 yrs old hahaha nakakalungkot mas bata pa saakin ngmulat pero anyways di nakakapansisi, mas nakakapansisi kung di ko nakita videos mo hahahaha. THANK YOU VERY MUCH YOW!!!

[@effer015]

Nagdeposit ako sa CIMB Bank dahil sa napanuod kong video sayo. First P260+ (minus the withholding tax na ang laki) interest earned this month. dahil sa 100K na nilagay ko, to see that 4% interest. like wow! anyway, my first CC is also BDO Visa Classic, hahaha! Medyo mas madali na nga maapprove sa ibang bank ngayon. Declined ako sa Citibank dati kahit simplicity+ pa lang yun. Mas okay mag-start sa basic CC.

[@ports660]

Thank you, Nicole Alba!

[@Jemm1029]

Mine is a BDO Gold Visa but with a 50k limit, but I only use it for utilities. Having a credit card is heaven if you're an employee because you will be able to pay your monthly bills at ease and you can just pay once pay day comes.

[@apricus7940]

unang video mo palang nakita ko , napasubscribe na agad ako haha

[@Beeman2892]

I have a secured card as well lol. Im not alone!i also got mine last december 😊😊😊😊

[@kuyadeee]

hi! great vid, as always. question: i'm looking into the bpi express secured cc. the only thing i'm worried about is the annual fee. would it still be worth getting it? i want a cc to start building credit, but i don't think i'm going to spend enough to make the most out of the rewards program eh, so i'll be spending roughly 130 bucks monthly for the annual fee. wutcha think?

[@fauozeouei66]

Thanks for the shoutout Ate Nicole!! NICEEEEE AND THANKS FOR THE ADVICE TOO BREADFAM ♥ ♥ 🍞 🍞 🍞

[@NicoleAlbaYT]

GO GET DEM LEARNINGS ALFONSO!! Super cool how you're still young but you're already at it. Keep it up!! 😄❤🍞

[@johnelverparajas2041]

thanks for the help being financially aware at a young age is the best gift we can give to ourselfs. thanks for the guide !

[@clair1484]

Can't waiiiit!!! Mygosh😂

[@NicoleAlbaYT]

YAAAAAAYYY 😄🌟🍞

[@christiandaveorlanda6018]

Di ko na napanood kagabi yung premier because of a lot of schoolworks and business activities but still trying pa ren na mapanood vids mo sis 😁. Keep grinding lang sis good job 👍 #breadfam

[@raeguevarra7421]

Hi! Please do make a video regarding on how many investment accounts should a person have. Thank you very much! I've watched your other videos and still watching the others. I'm already 25 yet I learn alot from you. You are so damn cool 🤘🏻

[@jevieyt]

Well research👏👏. Thank you for the video. Lots of information.

[@jevieyt]

Tumahimik ka!!!!

[@jevieyt]

poser 😂🙏