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) - ruclips.net/video/wIw0PZywLns/видео.html - 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
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 😂
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
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 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.
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.
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!
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. :)
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😇
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 😄✨💙
@@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 😅😉
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! ❤️❤️❤️
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.
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
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!
I would say I don’t know how I find you on RUclips, 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.
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. ❤❤❤
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
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 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.
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
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.
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.
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.
A bank approved my application for my first ever cc. Question is Can I use that cc to have installement that has full payment price higher than my credit limit? Thank yoi for answering.
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
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
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
Hi. If I get a credit card but don't use it or spend the credit at all, will the bank waive the credit they have on my account or not? I'm just curious if the credit just stays there until I decide to use it.
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. 😂😂
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 😅.
I've never gotten a credit card but since I'm turning 18, I will get my 1st credit card but the thing that I don't understand is how u pay ur money back. If u have money in ur bank account, the debt gets payed automatically or how does it work? I'm a little confused.
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!
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.
This is my first time to apply for a credit card. The agent offered me a Citi simplicity card. But since you mentioned about the rewards card (2nd tier), I would like to request for an upgrade. The application is still ongoing. How can I request to waive annual fees? Thanks!
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.
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
Hi Ma'am Nicole good day! Ma'am just wanna ask po if is it alright to pay first the statement balance and not the outstanding balance on my credit card? Tight lang po kc talaga ng budget sa ngaun. Thank you for your advice.
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 😅
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?
Hello po, May question lang po ako regarding sa BDO Shop More if alam nyo lang po, based on research pwede ma i-waive yung annual / monthly membership fee, paano po ba gagawin yun sa BDO Shop More CC? and if na i-waive mo na po ba lifetime na po ba yung free membership mo?
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 😄💳
@@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 😩
@@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..
I have a question, Ma’am. Say my credit limit is 100k, and I’m planning to buy something worth 150k using my CC, may I pay 50k in advance so that I can buy the item?
Hi Nicole, ask ko lang paano ba mapprove sa pag kuha ng credit card? Di kasi ako maapprove eh 6digits naman salary ko. 1yr na ko try ng try sa ibat ibang banks. Ano kaya problem?
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) - ruclips.net/video/wIw0PZywLns/видео.html
- 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
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 😂
@@bellebacol-aguilar1741 All credit cards are scams . If you don't know that , then go ahead and get scammed 👍
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!
Hi @Nicole ! Where do you typically see the details on the rewards and value of the card?
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
Great video. I got Platinum Master Card from Union Bank. My only advise when you have a Credit card is “Spend it wisely”
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!
Since may minimum base income requirement, ano po ba work nyu or things that you did to get appproved?
@@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.
How did you get the no annual fee?
*Hi, how did you get the NO ANNUAL FEE?*
How did you get the No Annual Fee For Life???
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.
Hi, did they call you or just sent you the card?
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!!!
Thanks! Helpful po
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!
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. :)
.Hi
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😇
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 😄✨💙
@@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 😅😉
@@NicoleAlbaYT ate nagpagupit ka po ba? 😅 parang mas shorter po yung hair ninyo eh 😅
So Helpful! Imagine this is a 1 year old video 😊 thanks!
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! ❤️❤️❤️
this is very helpful, i just received my first ever credit card from BPI
im happy I see your yt since im so interested about money or financials, I love the way you explain it well. thank youuu♥️
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
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.
.Hi
Nicole, I got my first credit card last year because of you! Yey! 😁
EYY NICE ONE JEN!! 😄✨💳
Love the smooth transition to the sponsor. HAHA. watched this video because im planning on getting one soon.
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
ANG GALING NUNG PASOK NG ADS HAHAHA! KEEP IT UP!
THE BEST INFORMATIONS ABOUT GETTING CC I HOPE MY NIECES WOULD HEAR THIS FROM YOU
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
Thank you for this comprehensive video! Great help! 😊
Great video! Sana next video is all on how to improve credit score/rating.
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!
Do you have review about bpi gold cc? Pwede po pa explain din yung features, pros and cons. Thank you!❤
Great video, learned a lot about the CC card from your vid, keep it up girl !!
thanks for this video! very helpful and i learned a lot about credit cards
Very entertaining to watch. Thanks for the info, Nicole!
I would say I don’t know how I find you on RUclips, 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.
You can also need to look their name up to see their website
Your video is the BEST so far - among all the credit card 101 vids💕
Nice haha thank you!! Glad that it’s easy to understand 😄✨💙
You have incredible talent about credit cards, its fantastic idea thanks ma'am.
How do you pay your credit balance? from your savings account or an over the counter transaction with the bank?
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. ❤❤❤
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
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.
Yep!! Haha credit cards are TOOOLS and ang saya ng rewards and promos 😆 Thanks Krystal 😁✨💳
@@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.
You are informative and fun!!! Nakakainspire tbh
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
exactly what I needed! thank you so muchhh, Nicole!
just what i needed, :D got my first CC yesterday and dont know what to do to it and how i can maximize it
Informative ❤️
Galing mag-explain, very clear and concise!
this is so informative! thank you
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.
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.
I used to fear credit cards because of the interest charges and annual fees. However, now, I feel more financially literate.
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.
Hi Nicole! Off topic but what mic are you using? Thanks!
Just a video that I needed. Been contemplating about getting a CC.
Nice. Very comprehensive review
A bank approved my application for my first ever cc.
Question is Can I use that cc to have installement that has full payment price higher than my credit limit?
Thank yoi for answering.
Thank you for your tips, Nicole!
Hi Nicole, thanks for this video! About RTS, so dapat be mababa ang percent mas okay?
My first credit card was Premium Tier na pla. I didn't know until I watched ur video 😮
you got me at "adulting vibes" and "like a boss," I'm getting one
KNEE COAL ALBUUHH !! CANT WAIT LEZGAW !!!!
Unique comment i like this HAHAH LEZGAW GEAZYYY 😤🍞
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
I hope you make more of this! This is so helpy
Salamat kasi nawala takot ko na gamitin ang cc ko. Salamat sa enlightenment.
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
Very detailed, direct, complete information. Good video!
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
Damn, I should've discovered you sooner! New subscriber here. I like how very informative and concise this is.
Hi. If I get a credit card but don't use it or spend the credit at all, will the bank waive the credit they have on my account or not? I'm just curious if the credit just stays there until I decide to use it.
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. 😂😂
HAHA nice 😆
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 😅.
yess i need this! been planning to get it soon!
Wow new haircut Lodi! 🙌🙌
Can you also make a video choosing between prepaid or postpaid
I've never gotten a credit card but since I'm turning 18, I will get my 1st credit card but the thing that I don't understand is how u pay ur money back. If u have money in ur bank account, the debt gets payed automatically or how does it work? I'm a little confused.
You pay directly to the bank that gave you the credit card, or they can auto-debit from your bank account, but you have to enroll your credit card.
Your haircut suits you! Thank you for another informative yet digestable content!
Yie haha thank you Precious!!! 😄✨💙
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!
Thank you very informative po...question i have bdo cc that has anual fee, am i still get that fee even i didnt actavate or use my cc?
Can you make a video about the rewards system you talked in the last part of the video, please? Thank you!
Ate Nicole inspires me to do well. 😊
WOOOT! Yehes let’s all do our best every day 😄✨🍞
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?
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.
Finally, been waiting for this. 🥳
WOOHOO yez Rostum nandito naa HAHA 😄✨
Thanks for this great video. But I do have a question, is it good practice to use a credit card for monthly bills? 😁
This is my first time to apply for a credit card. The agent offered me a Citi simplicity card. But since you mentioned about the rewards card (2nd tier), I would like to request for an upgrade. The application is still ongoing. How can I request to waive annual fees? Thanks!
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.
It is supposed to help you build your credit score.
Thank you for the information you shared😊
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
Credit cards are indeed a game changer. I'll try one myself
Just be careful sa mga scammers, and try hard not to pay in installment - mababaon ka sa utang!
Hi Ma'am Nicole good day! Ma'am just wanna ask po if is it alright to pay first the statement balance and not the outstanding balance on my credit card? Tight lang po kc talaga ng budget sa ngaun. Thank you for your advice.
question why is your dream card BPI Visa Signature does the card really have good perks or rewards?
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 😅
Can I use phillipines credit card for buying software subscriptions like Netflix, Amazon prime, Adobe, office 365 ?
Yes. Also your utilities like electric bill, water bill, cellphone.
Thank you ❣️ and welcome back new upload ❤️❤️❤️❤️
The information is extremely useful; make a credit score video, please.
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
Just what I am looking into right now. Thanks!
Just subscribed! Awesome topic❤
Thank you for this life lesson. I'm learning with my parents & you 😁
For profitable investment👆
thank you ate nicole! this has been a very informative video.
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?
Hello po, May question lang po ako regarding sa BDO Shop More if alam nyo lang po, based on research pwede ma i-waive yung annual / monthly membership fee, paano po ba gagawin yun sa BDO Shop More CC? and if na i-waive mo na po ba lifetime na po ba yung free membership mo?
Hi Nicole, just wondering if you were able to convert your scc to a regular cc? 😀
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 😄💳
@@NicoleAlbaYT hi Nicole does BPI have a Gold tier secured CC? 🤔 I thought secured CC comes in Blue.
@@ronedecastro5933 i think it depends on your holdout amount.
@@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 😩
@@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..
I have a question, Ma’am. Say my credit limit is 100k, and I’m planning to buy something worth 150k using my CC, may I pay 50k in advance so that I can buy the item?
Hi Nicole, just wanna ask. For example I swiped cc for Iphone 11 and its cost 30k. I will pay for it every month? Is that correct?
How does the refund system works?
Example if I pay for something in amazon, but then cancel it, but I see it on the billing
hi maam tell us kung anong maganda bank for basic credit cards , im planning to have cc , tnx
Hi Nicole, ask ko lang paano ba mapprove sa pag kuha ng credit card? Di kasi ako maapprove eh 6digits naman salary ko. 1yr na ko try ng try sa ibat ibang banks. Ano kaya problem?
Thanks for this, Ms. Nicole! :)