If you are erratic and irresponsible with your spending and cannot control yourself from spending, that doesn’t make credit cards a bad financial product. Learn to take some accountability for your actions. Stop blaming the world. 🥂
@felixpaul972 жыл бұрын
One thing to keep in mind from October 2022 in Canada, some Shops can legally take 1-3% as surcharge fee for Credit Cards. So, Check with them and use debit card to avoid the fee ( If the transaction amount is large) :)
@PiyushCanada2 жыл бұрын
💯
@oldskooladitya Жыл бұрын
It is 💯 true, my roommates used my credit card behind my back and I was scammed. But, luckily I never used the Debit card after coming to Canada. I disputed the bank and I got the money back.
@arnashaikh1800 Жыл бұрын
There are hundreds of youtubers but Whatever you say it directly goes into my mind... Thanks a lot for enlightening us...
@speak.thetruth5017 Жыл бұрын
Wow last point was a BANG! 💥 Most of the people cannot imagine this omg!
@rajveersharma0072 жыл бұрын
Unique video bro. I don't think anyone has made a similar video about this topic on youtube. Keep bringining this great content!
@PiyushCanada2 жыл бұрын
Thank you. Much appreciated. 🌹
@abbhinaayvyavaare18142 жыл бұрын
It makes perfect sense to use financial products like credit cards wisely and earn points or cash back. This is a logical video on credit card usage for an International student.
@devastator01ful Жыл бұрын
I am a doctor starting residency in usa but still watch your videos cause the info is gold regardless of where you're located
@preernaaarora Жыл бұрын
Hey Piyush, you have know idea how much you motivates people 🫡 seen your many videos god bless you and coming to canada soon and hope if destiny works will cross our paths and obliged to meet you personally ☺️
@PiyushCanada Жыл бұрын
All the very best for your future endeavours. Win big, win often. Cheers 🥂
@robinpal7100 Жыл бұрын
Bro, I think you didn't provide complete information about credit cards usage for maintaining good credit score. It is helpful only when you paid 30- 35% of your limit monthly.
@AmritaKaur_542 Жыл бұрын
Thank you for this wonderful information!!
@gv1196 Жыл бұрын
Thanks. It was quite a useful video
@parminderbajwa9239 Жыл бұрын
Beautiful info Piyus ji.
@manroop38542 жыл бұрын
Thank you piyush bhaiya ❤
@JOONRECORDS2 жыл бұрын
Very excellent knowledge
@deepakdhingra1999 Жыл бұрын
So, if someone has 1 credit card of 1k CAD, and only 300-350 CAD maximum is to be utilised, how are the other expenses going to happen? With debit card right!?
@hemantvicky36148 ай бұрын
Hello Piyush, it's really nice to see your all videos. I have one question, can a student make two applications together for PR after his study like PNP and Express entry to IRCC
@PiyushCanada8 ай бұрын
Yes
@jatingoyal62652 жыл бұрын
But isnt it said to use only 30 percent of credit limit to improve credit history
@everyunboxything54052 жыл бұрын
oof, do do baar welcome and welcome back to piyush canada 😂
@PiyushCanada2 жыл бұрын
🤣🌹
@gagandeepkaur19742 жыл бұрын
@kaku Arora - it's cold in Canada now 😀
@jugrajsingh1064 Жыл бұрын
thankyou for this information 👍
@kamaldeepsingh21262 жыл бұрын
Also make one detail video of using credit card, limits.. time frame and how to built good score.
@animeshnegi4948 Жыл бұрын
hi piyush, when im going on the cibc site the conversation rate for cad to inr is showing 64 Rs , isn't it a bit too much
@YousufJusani10 күн бұрын
What about CIBC credit card as student? And is there any charges and interest if we pay bill before deadline ?
@husyaar420 Жыл бұрын
Hey piyush I want to to ask you something about Credit scores For example Like you said on thousand dollar 💳 credit limit if i spend 300 hundred dollars Than i pay off as soon as possible Atfer pay of can i use another 300 in that month?
@cliffordjohnson995 Жыл бұрын
Which bank would u recommend for GIC according to ur experience..,Cibc or Scotia?
@krishparmar0123 Жыл бұрын
❤🙌appreciated
@hamzikC32 жыл бұрын
Please try to add a subtitle or speak in English, please!
@SanjayKumar-qr6zx Жыл бұрын
8:40 this is best way to deal with fraud.
@abeliever61922 жыл бұрын
0:23 No its not snowing here in Ottawa
@PiyushCanada2 жыл бұрын
Very lucky indeed
@abeliever61922 жыл бұрын
@@PiyushCanada Yep 😅 .... it was as hot as 21 degrees today.
@madhunter93705 ай бұрын
Dude also which TRU uni i should choose there 2 2 locations,,, im so confused
@sanaibrahimshaikh53872 жыл бұрын
Piyush this I understood about credit card But my question is the One day I used my credit card so I hv to wait till I get my credit card bill online or can I do this that as soon as I use my credit card after 3 day can I pay my money which I have used 3 days back Or I hv to wait till bill arrives from bank Let me know this
@roypinaki4u Жыл бұрын
Talk aboit some practicle credit cards for students besides the one they get from GIC account
@aarrynz9721 Жыл бұрын
Which is the best bank in Canada for new comers?
@KP-rc8bf Жыл бұрын
$200 to $300 worth of cash back per month is too much exaggeration for a bachelor or even family as well...
@PiyushCanada Жыл бұрын
Just last month my credit from PCF card was 110$ and Scene Visa was 70$
@KP-rc8bf Жыл бұрын
@@PiyushCanada Out of $110 from PC card $100 must be due to sign up points I believe, otherwise regularly on monthly basis having $200 cash back is not possible..
@PiyushCanada Жыл бұрын
@@KP-rc8bf Lol no. I used 100K signup bonus + 200k additional points last month to purchase my $300 air fryer. I really don't wanna argue. I understand that it might now be believable for you. :) Hint- think bigger. ;)
@KP-rc8bf Жыл бұрын
same here ..I am not here to argu as well..what I am trying to say on regular basis getting cash back around $200 is not possible even if you spend for family...I am with family of 3 living in Canada last 10 years and very much uses pc card on daily basis and scotia card offers 4% cash back on grocerries which is annually $120 per month..with my experience for the last 4 or 5 years saying this..Hint: if you spend crazy I have no comments ...
@PiyushCanada Жыл бұрын
That’s respectable. I respect your opinion. And thank you for bringing your point of view forward. There can be more than one right answer to a question. ❤️🫶🏼
@tajwarmormo32672 жыл бұрын
Bro u r good keep it up
@divyeshpatel15392 жыл бұрын
You seriously need to know more about Credit cards and learn financial knowledge. Never i repeat never ever buy a liability on credits or emis. I would rather pay cash instead of taking loans and emis for cars, bikes or even other electronic gadgets because once you do that by credit your instantly into stress about how would you pay off your emis. About education or home loan those two are the only things one can go for because those are investments.
@PiyushCanada2 жыл бұрын
Thank you for your input. 1. Credit card is interest free for 20~ days 2. I clearly mentioned if you cannot buy it in cash, don’t buy on credit. 3. Paying with a credit card gets you an instant discount of 1-5% (cash back or points) 4. If one overspends, more than what they can afford (let it be on debit or credit or cash) they’re gaurenteed to be doomed.
@PiyushCanada2 жыл бұрын
I still don’t understand. Why would you pay interest on credit cards if you make payments on time? I am not asking to increase expenses, instead just switch payment method to credit card.
@divyeshpatel15392 жыл бұрын
@@PiyushCanada and still my opinion remains the same. I would never ever suggest any students studying abroad to use credit cards till they have a financially secure job to do so.
@unknown-us5vs Жыл бұрын
@@PiyushCanada Yes aap right ho , Responsible logo ke kaam ka hai CC , Inn orthodox mentality logo ka nahi ! ❤️
@unknown-us5vs Жыл бұрын
@@divyeshpatel1539 U really need to learn finance , How things work , U have a uncle aunty mindset , From what u say , I can assume u like to be late on things . Cc is one of the best things , And no one gives a F about ur opinion cuz its bullshit , The benefits of CC is much more , And its safe compared to DC , FIRST GO ABROAD THEN TELL
@rahulradhakrishna2 жыл бұрын
Very informative video
@madhunter93705 ай бұрын
please im not indian idk hindi .. can someone explain what he is saying in breif ? atleast main points.. i will be coming for the TRU
@kamaldeepsingh21262 жыл бұрын
I always try to use credit card, I wanna know can we pay our rent by using credit card, I always have to do e-transfer from my chequing.
@PiyushCanada2 жыл бұрын
Ask your landlord. Best
@DaniMalik1159 Жыл бұрын
Bhai plz abbotsford bc ki video bana dain plz rent job transport etc
@AtulChanana Жыл бұрын
Which card is best what about Cibc card and opening account in that bank pls tell
@sridharc5553 Жыл бұрын
If I bring smoothie blender and trimmer from india, will those work in canada?
@sandhuaaaa2 жыл бұрын
Hey piyush Can international students open their savings account along with their check in account in Canada (scotia or any other bank) ? If yes will it be better to save our money for our college fees in savings account than check in ?
@PiyushCanada2 жыл бұрын
I just keep it in one account. But technically yes you can open accounts with as many banks as you want as long as your legal status in Canada is valid.
@dipakkuchhadiya93332 жыл бұрын
I like it 👌🏻
@AtulChanana Жыл бұрын
Which bank to use for gic cibc or scotia pls tell
@subhashgautam595 Жыл бұрын
Anyone here going for sep 2023 intake?
@tirtharoy2774 Жыл бұрын
your videos are great . do you have any suggestions for students from business background but want to pursue masters in business analytics?
@shivamdave71752 жыл бұрын
Piyush bhai ek video on PGD in finance at TRU pls...
@PiyushCanada2 жыл бұрын
January 2023. ✅
@gauravbharti96762 жыл бұрын
Bhai its not snowing anywhere here in canada still.. we are yet to see the first snowfall bhai.
@PiyushCanada2 жыл бұрын
Ye Calgary wale jhut bol rahe the lagta hai 🥲
@gauravbharti96762 жыл бұрын
@@PiyushCanada bhai u mentioned its snowing "everywhere" in Canada but BC.. Calgary might have received snowfall but ontario hasnt.. but great work being done through ur videos bhai..
@PiyushCanada2 жыл бұрын
Haha sorry bhai. And big thank you. 🌹
@imransohail30762 жыл бұрын
Dude but then having more than one credit card is complicated isn't?
@PiyushCanada2 жыл бұрын
Nope as long as you’re in your credit limits. I have 2. And that’s enough for me.
@imransohail30762 жыл бұрын
@@PiyushCanada i mean if we have one credit card of 1000$ we can only use 300$ (30percet) to maintain High credit score so if u have two credit card thats so different right and having more than one credit card also affect your credit score right can u explain me detail ?
@kishanchaudhary65462 жыл бұрын
Please make a video on how can a student earn extra money
@tejgalani2 жыл бұрын
Do we need to use credit amount compulsory which can be availed on cards...... Is it necessary to use if extra credit money is not needed?
@PiyushCanada2 жыл бұрын
Nope. Whatever your would normally spend just switch your payment method to credit card. Don’t increase spending.
@rkaursidhu3565 Жыл бұрын
which one is good RBC or Scotia ?? as an international student
@SindhiCoupleinCanada Жыл бұрын
Hi Piyush I am going to come to Canada soon on SOWP W-1 Visa, please recommend me a bank in which I can open an account to get maximum benefits (may that be on grocery, clothing, electronics) without depositing any amount in the bank account during opening it. And a seperate recommendation of a bank account, which can offer credit card during the account opening day itself.
@PiyushCanada Жыл бұрын
Cibc / scotia
@SindhiCoupleinCanada Жыл бұрын
@@PiyushCanada And 1 more question on this; What are your thoughts on BMO, RBC, TD banks who offer 300-350 cashback on opening an account with them. Any drawbacks compared to CIBC/Scotia
@HarishKumar-jm1ye Жыл бұрын
agar bhai hmm use he na kree tab b hame intest ja koi paisa dena pade ga
@theoracle81952 жыл бұрын
❤️❤️❤️
@manthanmahesh63652 жыл бұрын
Piyush bai can you suggest a motel that I can choose to stay in Kamloops for a month and find a room ,I am coming for jan intake. Secondly, can you also tell which airlines to choose to reach kamloops
@PiyushCanada2 жыл бұрын
Bro, I took air canada to reach kamloops. Motels are like 2-star hotels in terms of facilities so don’t expect much. Vista inn Ramada Days inn Rodeway inn Kings
@nitalbhagat7860 Жыл бұрын
Koun si county me ho bro Canada me
@jaskaransingh84542 жыл бұрын
Bro i don't know if anyone has ever told you this. But you look a lot like Vicky kaushal.
@gargirana1038 Жыл бұрын
Is neo credit card good?? Pl reply
@Sir023 Жыл бұрын
You didn’t mention the 30% spending rule for credit history..
@PiyushCanada Жыл бұрын
Criminal
@allsemesternotes73752 жыл бұрын
Simplii Financial GIC account How to open?
@PiyushCanada2 жыл бұрын
I have a video on how to open GIC
@attxrsingh2 жыл бұрын
Bro what should a do now i had a CIBC Aventura card which is flight point card
@PiyushCanada2 жыл бұрын
Check if the points will convert to cashback if they don’t. Then fre e ticket to India in an year haha.
@jashan9514 Жыл бұрын
Is it okay of I have 2 or 3 credit cards
@priyanshimartin8582 Жыл бұрын
Hey ! Can a student after just landing in Canada can issue these two credit cards along with neo credit card ? Will it effect badly as multiple credit inquiries will take place to issue us that and that too when we are just new students ?
@PiyushCanada Жыл бұрын
Dont do that. Use the one with GIC account for 6mo - 1 year. After that you can think about a second card. Anything more than 2 cards in student life is an OVERKILL.
@amandeepsingh7564 Жыл бұрын
@@PiyushCanada why?
@prakpanwar7129 Жыл бұрын
@@PiyushCanada you actually saved me this warning ...
@TravelWithRJ20012 жыл бұрын
Sudden sir fig fan
@sahildhiman96932 жыл бұрын
Kya hall ha bhai
@vedantdhamija53142 жыл бұрын
Bro , just wanted a genuine advice is Canada still good for opportunities for students coming in 2023 in terms of Jobs and future ? Or we should could consider other countries?
@PiyushCanada2 жыл бұрын
100%
@mrIsraelemma2 жыл бұрын
For some reasons be adding subtitles die non Indians... Please
@jasmeetbali57172 жыл бұрын
bhai where u live in canada
@PiyushCanada2 жыл бұрын
Kamloops
@VivekSingh-hy1dk2 жыл бұрын
How much for the haircut?
@PiyushCanada2 жыл бұрын
$29 + $5 Tip 🫡
@amandeepsingh75642 жыл бұрын
@@PiyushCanada fair enough i mean soni kudi ko kon na de
@PiyushCanada2 жыл бұрын
@@amandeepsingh7564 bruhh she's persian and very talented