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00:00.0
Meron ka bang credit card o nagbabala ka na magkaroon ng credit card?
00:05.7
Pero bago nating gamitin yan, alamin muna natin ang pros and cons kung paggamit ng credit card.
00:11.9
Videos that will make you wealthy and debt-free.
00:18.7
Hi there, this is Jinkitan, your Pambansang Wealth Coach.
00:21.3
Thank you very much for tuning in.
00:22.7
In this channel, this is the channel of Deponary at mga paunlad.
00:25.6
Sa video na ito, pag-uusapan po natin ano yung tatlong bagay na kailangan nating iwasan.
00:29.9
Para hindi tayo malubog sa credit card debt, paano natin maiuwasan, tamang diskate para tayo makalabas.
00:35.5
Okay, pag pinag-uusapan natin credit card, syempre ang pinaka-first ano,
00:38.6
ay naku, wag kang umamit ang red card, masama yan, oo, lulubog ka talaga sa utang.
00:42.7
Again, let me tell you this, let me be objective about this.
00:46.1
A credit card is a tool. Everybody say tool, pakitype ang tool.
00:49.9
Ang purpose ng tool is to make your life easier.
00:53.0
Convenient, di ba? Imbis na magdala ka ng cash, di ba? Pwede mo na i-charge, tsaka manunang bayaran.
00:57.1
Walang problema sa credit card.
00:58.7
Ang problema, yung taong gumagamit at humahawak ng credit card.
01:02.1
The tool itself is not bad, but the person who's handling it,
01:05.5
pag na-misuse, na-abuse ang credit card, dun po na ay nagkakaroon ng problema.
01:10.6
Kaya nga, ako, gumagamit ako ng credit card, and before the end of the month,
01:14.5
yung cut-off date ko parates, I think on the 19th ako nagbabayad, on the 19th.
01:19.5
So, ang ginagawa ko po, I pay everything in full.
01:22.9
When I pay everything in full, walang charges.
01:24.6
So, I use it for my advantage, nagkakaroon pa ako ng points.
01:29.7
Pero right now, para sa mga taong hindi pa magkaroon ng credit card,
01:33.4
okay, I just like to educate you three things that you should never do about your credit card.
01:37.5
Number one, never ever forget your credit card.
01:40.4
Ang ibig ko lang sabihin, never ever forget, alamin mo kung kailan ang cut-off at saka yung due date.
01:46.0
Kasi po, pagka hindi po ninyo alam ang cut-off at saka due date, hindi na tayo magkakaproblema.
01:52.5
Number one, late fees. Minimum yan, 500 to 1,000. Late fees yan, ha.
01:56.5
Number two, may 3.5% kang fax.
01:58.6
Ang finance charge, oo, sa kanyari, 10,000, babayaran pa, additional pa, na 3.5%.
02:04.3
Sa 1,000, mga 35 pesos. Sa 10,000, mga 350 pesos ang babayaran mo sa late charges.
02:11.0
Pag hindi ka pa nakabayan pa ng tamang date sa minimum required, ayun ako, may finance charge ka pa.
02:16.2
Ay, ay, ay, ay, ay, ay, ay. That's number one.
02:19.0
Number two mistake na pwede mo gawin sa credit card, paying only the minimum.
02:22.5
Pag paying the minimum ka lang, ladies and gentlemen, alam mo nyo, ay talagang taon ang bibilangin mo
02:27.9
bago mabayaran ang buo.
02:29.3
Kasi ang general charge sa'yo, sobrang liit lang, eh.
02:31.4
Pero nag-shock ka na lang, nagbabayad ka, na mas malaki na nababayad sa interest kesa sa principal.
02:36.0
So, never commit that second mistake.
02:38.3
Third mistake, oh, sharing your credit card details with others.
02:43.0
Not only details, pero yun nga, pinapasakay mo.
02:45.6
Yung mga ibang kaibigan mo, kamag-anak mo, o baka pwedeng makigamit.
02:48.9
Ay, nako. Alam mo yung mga taong yan, pag nakikigamit, nung nakikigamit, mabait.
02:52.8
Pero pag ikaw, maninig na sila ng galit.
02:54.7
Avoid that mistake.
02:55.8
And then, protect your credit card information.
02:57.9
Please, please, kung may credit card ka, don't take photo of your cards,
03:01.9
lalo na yung CVV code sa likod.
03:04.2
Huwag niyong papakita po yan.
03:05.7
And kung pwede, i-block out na po natin, i-memorize mo ng CVV code.
03:09.2
Number two, huwag na huwag niyo na rin.
03:11.1
Ito, ha, ngayon po, bibigyan ko na kayo ng idea.
03:13.4
Sa mga restaurant, huwag na ibibigay.
03:14.9
Kaya lang, ikaw na mismo ang pumunta.
03:16.7
Makita mo talagang sinaswipe.
03:18.1
If not naman, dadalhin nila yung gadget nila sa harap mo, at i-swipe nila sa harap mo.
03:22.7
So, bago tayo magpatuloy, babatiin muna natin si Gross1718,
03:27.3
si NoNameIDL, LOL, and si Nectaly John Clasio.
03:31.9
Maraming salamat.
03:32.7
So, ito na po, ang kailangan natin gawin pag tayo may credit card.
03:35.8
Number one, pay everything in full.
03:38.3
Okay, parang walang charges.
03:39.8
Choose that you are a responsible user.
03:41.7
Kaya nga, parati tawag na tawag sa akin eh.
03:43.8
Sinasabi, baka gusto mong manghiram.
03:45.5
Ay, hindi ko kailangan.
03:46.5
Bakit ako manghiram?
03:47.5
Number two, make the credit card work for you.
03:50.8
May cashback yan.
03:52.7
May travel perks yan.
03:53.9
Pag nagbabayad ka in full, ay nako, grabe.
03:56.3
Gamitin mo na kagamitin ng credit card, charge ng charge.
03:59.0
O, parang marami kang points.
04:00.4
Number three, importante po, monitor your statement.
04:03.8
And protect your information.
04:05.1
Kaya nga, uulitin ko po ah.
04:06.5
Bago kayo magbayad, i-check nyo muna kung ginamit nyo ba talaga ito.
04:09.7
Minsan na lang may pumapasok na mga billing na hindi natin nagagamit
04:12.9
o may na-flick lang tayo sa internet na hindi natin napansin
04:15.5
at tayo po ay nabibill na.
04:17.3
Please, please, please, one last shout-out na lang po.
04:19.8
Never, ever, ever share your credit card details.
04:22.7
Pills, pins, password.
04:24.5
Maging maingat po sa pamimili po sa online.
04:27.2
Shopping using your credit card.
04:28.9
Make sure na secured po ang website na pinupuntahan nyo.
04:31.4
Pag hindi kayo sigurado, wag nyo nang gamitin.
04:34.3
Oo, mag-COD na lang kayo.
04:36.0
Paano malaman na tama paggamit mo ng credit card?
04:38.0
If it's making your life easier, tama paggamit mo.
04:40.2
If it's making your life harder, mali po ang paggamit nyo.
04:43.5
Kaya kung kayo po ay may credit card,
04:45.4
sana naman ito ay nagpapagaan ng inyong buhay.
04:47.8
At kung meron kayo mga credit card problems and issues,
04:50.7
i-type nyo na lang sa comment section.
04:52.0
At sana our next videos, I will do my best to answer your credit card issues.
04:56.8
Maraming maraming salamat.
04:57.7
If you like this video, please share this video with your friends and relatives who has credit card issues.
05:02.0
Tatandaan, tamang arunungan, tamang disiplina po ang susi sa pagyaman.
