How I built my Credit Score in Canada as a new immigrant| BIG Mistake People make with Credit Card

#credit #creditcard #finance #mortgage #canadafinqnce #creditscore #canadian

[@WingingItWithEsi]

I remember when I first landed in the US to do my masters a some years ago, a relative of mine discouraged me from getting one. A year later someone I met took time to explain it to me very well. The very next day I went to the bank to get one and by the time I was leaving the US two years later I had a good credit score. It was above 700.What I did was that I had a budget for my monthly groceries so I used it for just that and I would pay it off at the end of each month. I would literally set an alarm on my phone to remind me a few days to when it's due and I'd pay it off immediately.

[@Mimiojieh]

I had a similar experience but I didn’t listen to the persons advice because I did my research to know I can’t get a lot done in canada without a good credit score.

[@eryckahall7760]

Thanks for the video. I’ve been seeing a number of ‘leaving Canada’ videos lately and I must say that my thought when seeing those was if the people actually planned and educated themselves on things like this. I feel like a lot of people get caught up and by the time they realize they’re in too deep. I also believe that with the proper planning, education and restraint you can make it well in Canada

[@Mimiojieh]

Well said!
Poor planning is a horrible thing and unfortunately people do it all the time.

[@elizabethkperrun-eremie1083]

Lmao! @ my favourite car brand, Audi, Blue colour!! Who were u codedly giving message?😂

[@estherreely]

very straight forward, easy to understand advice. maybe you should do a financial series for immigrates.

[@lawalabayomi3328]

Hey Mimi, i love your contents.
Could you do a video on different types of credit cards and then discusses the types of account/Bank that is suitable for a newcomer in Canada.
Thanks for all your rich valuable gist

[@victoriaboamah7139]

New in Calgary, and this is very informative

[@tata_mlk9115]

You’re giving us back to back content. Thanks mama ❤❤❤❤

[@Mimiojieh]

Most welcome🙏🏾

[@SundayOgali]

Omo, she's on fire

[@flexdonycharles]

Any Topic you talk about we will always enjoy watching 👍 keep your good work up!

[@Mimiojieh]

My person😍🤣🤣🤣

[@flexdonycharles]

​​@@Mimiojieh Hope your good and everyone too? You were away for a while.

[@essangphilip9942]

One of the most helpful videos on YT. Thanks Mimi!

[@Mimiojieh]

Glad you think so!

[@joshdehustler]

When it comes to topics like money or finance, I've noticed that a lot of people aren't interested. However, the truth is that whether you become wealthy or poor depends on how much interest you have in money 💰. So, in that case, you need to be interested in it.
Noted ✅️

[@Mimiojieh]

Money talk is hard to listen too😁

[@joshdehustler]

@@Mimiojieh No kidding, they actually want to go abroad with the hopes of making money 🤣😅. It's like they believe that as soon as they set foot abroad, money will just come rolling in 😂. The truth is, success comes when you're genuinely focused on the money and work hard to attain it - that's the real path to getting it.

[@joshdehustler]

@roseymarie782 ooh congrats 👏

[@damilolaadebisi9470]

Well said! This education is very important as a lot of people are ignorant about these things

[@Mimiojieh]

Absolutely and it is mostly because our system is not credit based

[@umeakuhenry6514]

Thanks for all you do for humanity.

[@Mimiojieh]

So nice of you

[@mercymichael3634]

Thank you for exposing this aspect of credit card.

[@Mimiojieh]

🙏🏽🙏🏽🙏🏽

[@OkpalaEmeka-q6c]

Emeka is here live and listening with my ear lobes pulled down

[@Mimiojieh]

Emeka no vex for me but you go hear word🤣

[@smithosagie]

The video i have been waiting for

[@gilbertosa-benedict5786]

Mimi, you just come handy when one need information. Many thanks for sharing this.

[@Mimiojieh]

This comment genuinely made me smile..thanks😁
I feel so good when I get positive feedback 🙏🏽😘

[@smithosagie]

FROM NOW MIMI WE WANT MORE VIDEOS ON CREDIT CARD OOOO..YOU ARE THE BEST

[@Mimiojieh]

More to come!😍

[@mercyobianuju9262]

Welcome back Mimi, I missed you even though it was a short break.

[@Mimiojieh]

Thank you! 😊
It was only for 5 days🤣🤣🤣

[@smithosagie]

PLEASE, MORE VIDEOS ON CREDIT CARD ....

[@mayi23]

Very useful information .
Thanks so much Mimi

[@flexdonycharles]

Professor mimi is the Sure plug!😂❤❤

[@Mimiojieh]

Thanks Charles❤️

[@Tracey-Nichole]

She's good, Charles

[@ogunmademichael3807]

Thanks mimi, pls i don't understand how this credit card works at all even with your video, pls do a practical illustration

[@Mimiojieh]

Noted! Will make a simpler version

[@annengei2814]

Thanks Mimi am Kenya living in Dubai,I have been ur great follower since ur here in Dubai.I am also planning to come to Canada and am really learning alot.Stay blessed mama❤❤❤❤LOVE FROM KENYA.looking good & beautiful always.

[@Mimiojieh]

Thank you so much…love you too❤️❤️❤️

[@okairem9667]

insightful as always!!!

[@Mimiojieh]

Many thanks

[@olamideaderibigbe451]

This is quite informative. Thank you.

[@Mimiojieh]

Glad it was helpful!

[@finiansensei]

Nice one Mimi. Thank you so much 🙏

[@Mimiojieh]

Glad it was helpful!🙏🏽

[@michealbolu1030]

Insightful, thank you Mimi!

[@Mimiojieh]

Glad it was helpful!

[@Just_ikea]

Informative.
Please can you do a video on cars and which is affordable and good to buy and please how to get a bus card and fund it.

[@Mimiojieh]

OKAY noted

[@OkpalaEmeka-q6c]

Nne everything about your videos and contents are lovely biko. Keep it up.

[@Mimiojieh]

Wow, thank you

[@AmbaCode]

Nice one Mimi....very educative.

[@Mimiojieh]

Thank you 🤗

[@nanaampem-darko145]

Mimi, you are really in love with Audi❤ see how you are brushing when mentioning Audi. 😂😂😂

[@Mimiojieh]

Definitely my favorite car brand…still saving up🤣

[@Tracey-Nichole]

Great video ❤ very informative

[@levansmedia]

Thank you for this eye opener

[@Mimiojieh]

Most Welcome

[@ogonnaagbodike]

Thanks for the video
It was very informative and educative

[@Mimiojieh]

Glad you liked it

[@parentingwithwinnie4996]

Mimi, this is very important. THANK YOU! If I exceed my credit card limit, what should I do?

[@GRACEADWOAADDAE-rt3bq]

All your topics are relevant.Ever read to watch ,listen and learn...

[@Mimiojieh]

Thank you ❤️

[@rosalyndarcha4911]

Very useful information, thank you Mimi

[@Mimiojieh]

My pleasure 😊

[@helenomatseye3816]

Mimi nice one well said 👌

[@Mimiojieh]

Thank you 🙏🏾

[@damolaadebayo471]

Thanks for the video , i want to hear every dat will make living canada worth it , still in Nigeria thou

[@Mimiojieh]

welcome😍

[@Yashehanny]

Thank you somuch Mimi ...

[@Mimiojieh]

My pleasure

[@abimbolaadesina9253]

Right information. Thanks ma💯💯

[@Mimiojieh]

Welcome 😊

[@BRIEL_BERN]

Thanks for the information…

[@Mimiojieh]

My pleasure

[@olawunmiafolabi883]

Thank you so much mimi🥰 very helpful

[@Mimiojieh]

Glad it was helpful!🥰

[@obiageliojukwu9281]

Thanks dear for the information

[@Mimiojieh]

Always welcome

[@MissJonie89]

Very informative ....

[@Mimiojieh]

Glad you liked it

[@omafosafo4162]

I need more on this content

[@Mimiojieh]

Sure! working on it

[@internationalall-roundfavours]

Thanks for starting this Class simple. Knowledge of Credit Score should be presented as simple as this. But I'm patiently waiting for the next class. I have my credit card but scared of launching it. Here comes a timely content. Thanks

[@Mimiojieh]

Yes, you are right. Please start using it to shop your everyday groceries and pay back before due date. One secret is to never spend money you don’t have in your Chequing account

[@stephenidegwu5686]

Thank you mimi 😊

[@Mimiojieh]

🥰🥰🥰

[@FrankOziri]

Very educative content. Thanks a bunch.
But pls can you recommend us the type of bank you feel is best

[@Mimiojieh]

They are the same no difference

[@oyedapooluwaseunvictor]

Madam Mimi I just dey enjoy you always

[@Mimiojieh]

Thank you very much ❤️

[@ruu200.]

Thanks mimi 😊

[@Mimiojieh]

My pleasure 😊

[@pelagiekoube4476]

How can you pay the credit ?

[@Drew_1spirit]

😂😂😂😂
Emeka, Drew,Charles, Femi ..una don hear
😂😂😂😂

[@Mimiojieh]

Are you not the Drew🤣

[@Drew_1spirit]

@@Mimiojieh with my full chest ..I am oo😂😂

[@GRACEADWOAADDAE-rt3bq]

God richly bless you

[@Mimiojieh]

Amen

[@Christy-lw2dn]

Hi Mimi, very insightful content, please can the credit card be used for food stuffs, or only huge purchase like house, cars?

[@Mimiojieh]

You can use your cruder card for anything

[@roseagbahi3546]

Which is the best bank to bank with please in Canada? Nice vidoe ❤

[@akeyeagim2025]

thanks so much for always educating us. How about you arrive canada with your spouse? can both of you have seperate cards each or use a joint card

[@Mimiojieh]

Separate cards…you can’t have joint credit score. Each persons needs to build their own credit score.

[@akeyeagim2025]

thanks a lot @@Mimiojieh

[@Safetyfirst_01]

I think i will be able to make good credit score, i am financially prudent

[@Mimiojieh]

💪🏽💪🏽💪🏽💪🏽💪🏽

[@goodnessadibe1746]

Pls do I need to attest my certificate(document) before coming to canada??

[@BennyBenny-g4i]

Thank you Mimi.
Please Mimi, can a student also get a credit card?

[@Mimiojieh]

Yes

[@everchris867]

Hi mimi, the video stopped at “if you want to buy a house”

[@Mimiojieh]

Try and refresh from your end it is good from my side.

[@Safetyfirst_01]

Thank you so much, I love this video, and I'm trying to relocate to Canada just thinking how I can move my money from dubai to Canada if I relocate because I can not carry all as cash

[@Mimiojieh]

You can transfer your money when you land in Canada you don’t need to carry cash

[@Safetyfirst_01]

@@Mimiojieh thank you

[@GRACEADWOAADDAE-rt3bq]

❤️❤️❤️

[@Mimiojieh]

🥰

[@odejaluchi2852]

Can a some on a visitor visa get a credit card and open a bank account in Canada?

[@Mimiojieh]

Yes you can open account I don’t know of credit card though

[@bensonagada46]

What's the range of a poor, ok and good credit score?

[@Mimiojieh]

640 below is poor and good is 700 above

[@Dikebuka]

Is this applicable to UK?

[@Mimiojieh]

I’m not sure

[@kevwesteph5381]

Mmmmm, I dont understand. Can you please use practicals

[@Mimiojieh]

What part did you not understand so that I can elaborate

[@jmakuya1]

Madam I just want to ask a simple question, what if we apply for PR but the money is in the spouse account like ur wife,can that work,I mean ur proof of fund

[@Mimiojieh]

Yes

[@jmakuya1]

Thanks 😊

[@promiseosarogiuwa7238]

I am a Blogger. I make very good money in a month.
We're new in Canada. If I choose not to get a credit card at all. I can fund my lifestyle solely based on my income without taking credit. Should I still get a credit card or use my debit card only?
And also I am on the verge of getting a car and I am going with lease. I wanted to go with financing but I am on a 2 years work permit and they said financing is 5 years only.
Is it financially wise to get the car via lease?
Please advice.

[@top10sworldwide28]

What’s the name of your blog

[@yotanogunyemi8994]

Please get a credit card, use it and pay off. Hide your debit card. You need that credit consumption even for the car that you want to buy.

[@idara_d]

get a credit card , purchase what u want
on payment date, pay back all that’s owed with the money that you have
so u can build your credit score

[@Mimiojieh]

I don't need to respond again because all three response is what I would advice

[@promiseosarogiuwa7238]

I appreciate all the quality response so far guys. Thanks!