finally!! 🤭🥰 palagi ko nirerewatch old video mo regarding cc❤️ thanks ate thea! 💕

as someone who is really new to this kind of topic this is so insightful and fun to watch. i really look up to ms.thea as an adult. financially responsible and has her finances under control. more power to your channel po

really useful guide and tips! thanks for sharing this, thea! ❤️

Andito na! Ang reyna ng Philippine credit cards! The one that started it all!

Yay for an updated cc video. Your EF and cc videos yung nirerewatch ko lagi. 💖 Been thinking na rin to get a cc next year.

Informative video. Thank you for this. I hope you can do an updated credit card review a year or so from now.

Ms. Thea, just want to share n I really love your vids about personal finances. I'm always waiting for it. Super ganda at linaw mo po kasi mag explain. 💕 Naiinspire ako to improve how I handle my finances. Looking forward for more vids po. Stay safe 😊

Relly thankful with your video, super malinaw ang explanation. Para user na 2lad ko

Looking forward for your review about security bank cc. Salute to all your personal finances vlogs and all your other vlogs very informative 💕

One of your best topic ever!!! ❤️❤️❤️

Very insightful. Thank you for sharing this. Infairness naman talaga sa mga bank personnel ng east west, fresh talaga sila karamihan.

Very informative! Thank you, Ms. Thea.

Im really thankful kay Thea kasi yung old vid nya about cc really taught me so much. Andaming reason why cc is such a great tool and im so happy I know this information early stage ng adulting ko! I've benefited for almost 2 years using my 3 cc and I never pay any interest or even annual fee! 😊😊😊

@alyzamariemagno706

Жыл бұрын

Ano po gamit niyo cc

yeeeeyyy new video about credit cards 💕

Very informative!! Love your videos Thea 🥰💯

Thank you Ms Thea for your tips..I've been following your videos and I learned a lot.God bless!

Hopefully you can have an update on this vlog (EOY 2022 version 😊) thank you for the inputs, Thea! Very helpful and informative esp. the perks of each cards.

Thanks for this, very informative as always.❤

at last! naalala ko 2 years ago ata nanood ako video mo tungkol sa cc. dami ko natutunan. mula nun nagapply ako sa ibat ibang banks. but favorite ko rin is citi rewards at bdo visa gold and amex blue daming rebates.

Good Morning Ms. Thea! I'm relatively very new to Metrobank, but I can see they have upgraded their app or system in terms of credit card transactions na. Parang Citi yung system nila sa app kasi for instance, nagswipe ka amounting to PHP 500, it will be reflected immediately doon sa app with a status ("unposted") and status "posted" after a day or two. Convenient sya for us MB CC holders kasi namomonitor natin if it is an unauthorized/fraud transaction. Of course, I took in to consideration na itong vlog mo na was uploaded a year ago, and by that time 'di pa gaano naupgrade or naupdate. hehehe. safe swiping po! And I'm a subscriber too! 😉😊

It's true. Okay ang customer service ng Metrobank kahit anong cards pa. 😊

@TheaSyBautista

2 жыл бұрын

Glad to know di sila nang didiscriminate ng cards! ☺️

@rosellfloresca5653

2 жыл бұрын

@@TheaSyBautista omg thanks for the reply Ms. Thea 😍💕

@spangkytv9492

4 ай бұрын

​@@TheaSyBautista Miss thea, may tanong lang po. 1st time lang sa cc na tanggap ko na yung bdo cc plat ko, hanggat hindi ko ba ito ina-activate hindi pa rin magagamit yung 1 year free access? pag inactivate ko na dun palang magagamit yung 1yr free access na no annual fee? salamat sa sagot. 😊

Hello thea. Very informative ang vlog mo na ito. Madami ako natatunan tungkol sa 3 credit card series mo. Btw, yung eastwest mo i heard na pag umabot ng 300k ang credit limit mo dun pwede mo paconvert sa platinum which is no annual fee forever. Try mo 😃 gusto ko sa kanila is mababa loan interest nila as low as 0.35

I never clicked that fast on a new video notification.

Hello, Thea. Just wanted to let you know na you’re one of the reasons why I finally had the courage to get a credit card. Dati takot na takot ako baka kasi mabaon ako until watching your videos and enlightening us viewers about the perks of getting a credit card. Now, 2 years na ko gumagamit ng credit cards. Dami ko na din na earn na rewards, cashback, gc’s etc. 😊

@lovejuliene1111

2 жыл бұрын

Ano Pong cards gamit nio?

I think the main downside of all credit card companies here in the PH is the fraud protection. Haven't experienced having unauth charge (hope we never experience it) but having 0 fraud liability or at least a hope that the bank will be definitely to help us and investigate properly and efficiently will somehow make us comfortable using our cards. I just hope there are more and clear regulations here in the Phils to protect the consumers. Anyways, love the review as always!

@servicedoffices3016

2 жыл бұрын

I had recent fraud sa card ko. worth 9k. sobrang stressful

@ajsembrano

2 жыл бұрын

Coming from a US-based financial account, I would agree. Sa US, sobrang protected mga customers nila sa fraud.

@kyruuuuh

2 жыл бұрын

@@servicedoffices3016 Was it disputed?

Only kept my two Citi and MB ccs. I felt validated, Tita Thea! 😹💞

Hi Thea! Thanks for this video very informative. Just a question, I have monthly bills to pay sa mga property investments ko, usually thru bank transfer ang mode of payment. Kung gagamitin ko ba yung cc for payment kahit thru bank transfer mag-eearn ba ko ng kahit anong points/rewards/airmiles sa pag-gamit ng card? Thank you!

Yung HSBC pwede nyo ipaconsolidate wherein pagaadd ang credit limit ng dalawang card, tapos ititira mo yung isang card na gusto mo. Separate limit na credit card RCBC, I have 3 card air asia, platinum JCB, platinum visa lahat separate. Eastwest you can convert it to platinum wherein no annual fee for life as long as yung limit mo is 300k and up.

Very informative ate Thea. NG babalak din po kasi ako. Thank you very helpful Para sakin po.

My friend, Kat Samson, recommended this channel and it's really for reasons.

Very informative ❤️ Ask ko lang if pwede pa ba magamit yung citi simplicity once ma activate na yung citi rewards card?

I hope you can do a video about things to consider before getting credit card :)

Uy thea, came across your vid again. I've watched your Japan Trips tips. More power!

Hi Ma'am, have you tried upgrading your EWB Gold MC to Platinum MC (assuming your CL is 300k and +) for the NAFFL nature of the latter. Very informative video Ma'am. More power 🥰

omg! sa wakas, part 3 with credit cards!

@TheaSyBautista

2 жыл бұрын

It’s about time iupload ko na yung part 3 hahahaha

Thanks for videos on cc! Was able to understand a lot about cc by watching your videos ❤️ satisfied viewer here! I also requested this on ur IG when u asked 4 suggestions kasi I was afraid to use mine. Hehe. Now I feel like I'm a better cc user bec of your tips. Thanks Thea!😘

Well explained. Thanks, Thea.

Hi Thea! Did you cancel some of your credit cards? Will that affect the credit score or what are the cons of cancelling other credit cards?

Annual Membership Fee for the first supplementary card of BPI cc is free for life, not a promotion. :) For the 2nd to the 6th, they will have half of the AMF of the card variant

Hi po Ms. Thea! I just want to request po na sana you'll make a video about Credit Cards Terminologies for Beginners for us to be able to understand ang grasps some of the nature of Credit Cards. Thank you po.

more topic about credit cards please. very interesting topic.🥰

Hello, do you have any idea if it's possible to change credit card type from the same issuing bank? Let's say from Gold to Classic? Thanks.

For BPI and BDO based on personal experience you can convert ung monthly (annual) fee to annual fee. and they waive it too depends on usage pala

@1700tt

2 жыл бұрын

How po mag pa waive ng annual?

@TheBrugudugz

Жыл бұрын

@@1700tt tawag ka lng sa hotline tapos irrequire ka lng nila na mag spend ng 3-5k using the card within 30days tapos mawwaive na yung annual fee.

So true for forex transactions with Citi. Ang taas ng rate as compared to Security bank. Advantage real time ang posting kaya mas madali magmonitor.

Thanks, Ms. Thea! ❤️

I think you should update this after Citibank’s migration to UB this coming Q2.

Hi Ms. Thea! Thank you for this informative video 🤗 looking to apply for a CC, may question lang po ako pa'no ko po maeenjoy yong installment? Bet ko po kasi na laging maginstallment para sure ko pong mababayaran ko. 🤗

Requesting updated content regarding this Ms. Thea. Thanks!!

Hi, Great video. What is a good credit card to apply for business loan installment?

Helpful tong video lalo na sa katulad kong gustong mag earn ng miles and hotel points

Thank you so much Miss Thea!

Make an updated version of this po ate thea please! Planning to get my first credit card. 🤞🏻

well explained! thanks !

Hi Ms Thea, quick question po, di ba po closing na si Citibank sa PH? or may ibang company na maghahandle ng ops nila? Thanks po sa pagsagot :) Planning din po ako mag apply sa Citi CC :)

thank you for the informative video! hope you can also do a video about how you manage multiple credit cards and knowing when to apply for a new one

So 2 filipino channels yung papanuorin ko para matuto ako ng tungkol sa credit dito sa Pinas. 3 weeks crash course yung gagawin ko. 2 channels lang muna yung bibinge watch ko kase gusto ko alam na alam ko yung papasukin ko bago kumuha ng credit card gusto ko kase (NO PANGARAP KONG BUMILI NG CONDO OR HOUSE AND LOT) at dapat maganda yung credit score ko love your videos Thea salamat dito sa channel mo Bbibinge watch ko tong credit card/credit related videos mo ha thank you ingat lagi 😘

Yeeeey another video 😍😍😍

Thanks a lot great information, keep it up.

Ms. Thea, what's you opinion/insight po na possible na may mag-acquire sa Citibank since oarang binebenta na nila?

Hi Ms. Thea! Does it matter if it's Citi Visa or Citi Mastercard?

Hi Ms. Thea, ask ko lang po if pede ba kumuha ng installment beyond credit limit? For example 50k ang product, pero 40k lang limit, pero kukunin in 5 months so 10k/month. Never had a credit card. Thanks! :)

Hi Ms. Thea! What are the pros and cons of having multiple credit cards?

Hi! How to apply for CC if your company address is US-based? 😤 I’ve been trying online applications pero no option. Do I need to visit the bank?

Hi Ms. Thea, ask ko lang po may debit card ba ang citibank and HSBC? May nakita ako mga peso saving account nila pero wla akong nakikitang pic ng atm card online even google nagugulumihanan na din po ako.

I just got my first credit card! 😍 although small credit line lang atleast this is a good start din to build my credit score. Thanks to your credit card 101 vids Thea 😍

@ren_official10

2 жыл бұрын

Hello May I know your First CC?

@dreassi7753

2 жыл бұрын

ilang months po dumating?

@jenatutubo

2 жыл бұрын

@@dreassi7753 luckily 1 month lang 😁

I agree gabing hirap nga makakuha ng credit card sa citibank. Ilang beses ako na declined dyan kahit may matass akong credit limit and good credit standing. Pero this month nag apply ako ulit at na approved ako.☺️☺️

Hello mam, Question po. Pano pag nag try ka mag pa reverse ng annual fee then nag matigas si bank and nag decide ka na i cancel and cut na ang card need mo pa din ba bayaran yung nag reflect na annual fee or hindi na? And mag rerelect kaya yun sa credit score mo as negative? TIA po sa advice.

BPI isnt that strict when waiving their cc'd annual fee but they have changed their conditions. as per my business manager they no longer allow spend limit to waive the annual fee

Hi, Miss thea ask ko lang po kung mag babayad padin ako ng annual fee ng credit card kahit hindi ko pa siya inaactivate? I have a credit card from BDO pero doubtful parin ako kung saan ko siya gagamitin. Feeling ko kase hindi pa ito ang time para gamitin ko siya.

same credit limit po ba pag may citi simplicity plus and rewards? parang pag ginamit mo ung simplicity ma dededuct din sa rewards card?

Hi ano pong best gamitin for overseas shopping or ginagamit niyo sa mga travels abroad? Thanks

Again, thank you for this.

Watching from La Union very interesting topic. Full support you channel.God Bless!

just curious, in case ba na I pay my credit card balance on the same day I use it, may accrued interest ba given na binayaran ko agad SAME day? For the sake of using credit card lang and magkaroon ng magandang credit history, sayang kasi ung daily basis na charge every time I use my credit card. Is that possible you think?

Just curious, in case ba na I pay my credit balance on the same day I use it, may accrued interest parin ba given na binayaran ko agad SAME day? For the sake of using credit card lang and magkaroon ng magandang credit history, sayang kasi ung daily basis na interest charge every time I use my credit card. Is that possible you think? or pwede rin namang only make payment a few days before your cut off (before billing period ends) para less interest?

Hi Ms. Thea, what are the Pros and cons po for BDO Credit Card Mastercard Titanium?

Hello ms thea i just got approved using ur link, nakahabol ako sa promo ng city rewards! 💗 Tysm ms. Thea.

Thank you sa buhay mooo Miss Theaaaa

Siguro true po yung sinabi nyo na mas malaki chance maapprove pg my citi credit card kna. Kasi ako first card ko is citibank so kada apply ko ng other cc citibank ang ref. ko since sya pnkamatagal ko na card lhat nmn approved. Ngaapply lng ako ng card pg no annual fee ang offer.

I think amex is not that common because merchant fee is high compared to visa and master... thanks for this video. this is very helpful. :)

Hi Ms. Thea! Meron bang minimum spend requirement ang mga credit card? Say monthly you have to spend xx pesos.

Nagtry ako magpa waive ng AF pero sabi last year pa lang hindi na cla nag wewaive. Titanium cc akin.

Is it worth to keep BPI Gold or downgrade nalang to BPI Blue card?? 700pesos din diff sa annual fee e. Help please.

Regarding Citi Rewards first 60days upon receiving po ba sya o upon approval. 30days kasi bago nadeliver yung card.

Agree!!! Citi is the best 💙

Dati takot na takot ako mag CC ngayon hindi na nung nag start ako mag CC . Need lang talaga maging responsible :) BPI is my first CC sobrang solid.

Hi Tita T! I love this vid! Baka you can also create one about getting your first credit card esp if youre doing freelance.

Hi mam ask ko lang pag Carded kana kahit new approve palang mataas na ba chance ma approve ka sa eastwest Bank?

For HSBC, the platinum card was not much of a really high perks card. The premier credit card is their most expensive card which i think is better to compare to other gold/platinum cards from other banks.

@TheaSyBautista

2 жыл бұрын

parang lower tier nga lang perks ng hsbc platinum but ang mahal kasi nya hahaha

@moonchaser2240

2 жыл бұрын

You get the best treatment for Premier card and it is the best because we have a special team of agents assisting these type of cardholders (prev hsbc employee here)

@nftgamesfdr5746

2 жыл бұрын

Was able to avail HSBC Platinum na No Annual Fee For Life. Madalas mas promo sila na you can convert your transaction into 3 or 6 installments at 0% interest.

I agree with BPI. Like me residing here in Doha, ang tagal tagal bago ko nakausap yun customer service, nice naman yun pag uusap nahelp din nya ako kaso sobra tagal ng paghihintay.. So imagine yun load na nagamit ko pntawag. 🙄

Pag medyo malaki na yung gross annual mo, tas a-apply ka ng no annual fee na card, mahirap ma-approve. Target ko sana makakuha ng lahat ng no annual fee cards, pero ang nakuha ko lang citi and pnb.

Hi Ms. Thea, may I ask if kino-consider ba ng Citibank rewards card yung cash-in sa grab pay for the requirement of 20k for 60days like what you did from your last video to waive your annual fee?

@TheaSyBautista

2 жыл бұрын

Oh for this one i am not sure. Best to real the terms and conditions of the promo. ☺️

@asuna3833

2 жыл бұрын

@@TheaSyBautista Ok, thank you!

Question po, totoo po ba if my bad records kana po sa isang cc bank di kana po maaapprove sa ibang bank? Thank you

I have citi rewards no annual fee.. Napakain po nila ako ng yellow cab at krispy crem for FREE heheheh

Hi Ms. Thea! Beginner ako sa credit card and would want to have 1. OKay ba ang PNB Ze-lo?

Hi maam ano po mas maganda sa beginners citi rewards or citi simplicity po?

slmt s information i salute you!! Nagplanu po kz q mg open ng credit card kzu My concern po ako anung preferred ninyo po n credit card n pde ko eopen kz ang point q para mg open ng credit card bka matulong po skin s pgbubukas ng negosyu n SARI-SARI STORE...slmt po..

Is it still good to get citi credit card now that it’s acquired by Union Bank na?

tanong ko lang po sana mam . maganda po ba 2ng amex cashback BDO bago lang po kasi ko ng ka cc. bigla na lang po kasi dumating di nman ako nag apply

Hi Ms.Thea, anong banko po savings account mo? I am planning to open a savings account kasi kaya lang i hve no idea kung alin ang ok na bank. But Mejo interested ako sa BPI or Security Bank. What do you think is better? Thank you ❤️