✨ Get 1 month free trial of Skillshare: https://skl.sh/nicolealba03221 Let's talk about Credit Cards! A lot of people are scared of using credit cards even though they're super useful tools. I'm making a Credit Card 101 series to explain how credit cards work. For this video, let's start with the BASICS. First, we'll talk about what credit cards are and how they differ from debit cards and prepaid cards. Then, we'll talk about the types of cards, some basic credit card terms, and the pros and cons of getting one. If you decide that you want to get a credit card, we'll also talk about the application requirements and how to choose and apply for one. Hopefully, this video levels up your finance powers to give you a better understanding of how to use Credit Cards properly! Wag matakot sa utang. Credit cards are fun and beneficial as long as you learn how to use them properly and responsibly 😄✨💳 💳 Apply for a Citibank Credit Card: https://bit.ly/3OYjZvJ FREE MONEY FOR YOU 😉💰⬇️ 🏦 Banks & E-Wallets - Unionbank PlayEveryday: Use “UBNOW-NA0920016” to get 300 PlayPoints - Tonik: Get ₱60 with “T42BHJL” when you sign-up, verify, and top-up - GCash: Get ₱50 https://bit.ly/2ZyrLWy - sign-up, verify, and cash-in - PayMaya: Get Php100 when you use “2Y817PZMN84O” or sign up and verify at https://bit.ly/2ZzVjTs 🚀 Crypto Platforms - Crypto.com: Get $25 in CRO when you use my code "nicolealba" or sign-up at https://crypto.com/app/nicolealba 😁 - BlockFi: Get $10 in Bitcoin when you sign-up at https://bit.ly/3jWct5a and deposit at least $100 - Celsius: Get $50 in Bitcoin when you sign-up at https://bit.ly/30luMcO or use code “119827e588” and deposit at least $400 - Binance: Sign-up and get 10% discount on fees https://bit.ly/Nicole-Binance or use code "YBY3MNM9" - PDAX: Use “nicole” to get ₱30 when you deposit a minimum of ₱1,000 💵 More Cash - GoTrade: Use invite code “157655” to Invest in US Stocks and ETFs for as low as $1 - ShopBack: Get ₱100 at http://bit.ly/nicoleshopback DISCLAIMER: The links above are affiliate codes/links and I may get a reward if you use them. Thanks in advance because it helps support the channel 💙 ✅WHAT TO WATCH NEXT ➜ 🤑 Best High Interest Savings Account Philippines: https://www.youtube.com/watch?v=Z9_E2KsUx1M ➜ How I Manage My Finances in My 20's: https://www.youtube.com/watch?v=PiNlVlF1BdI ➜ 📈 What I Invest in as a 20-year-old College Student: https://www.youtube.com/watch?v=qacSsgRXEng ➜ What to do with (your future) ₱100,000: https://www.youtube.com/watch?v=m7MwGefQfp8 ➜ Why I Invest in Crypto: https://www.youtube.com/watch?v=t5eGksbD9RM ➜ Personal Finance 101:    • 🤑 Personal Finance 101   🍞Join our Discord Server: https://discord.gg/breadfam 🍞 Get BreadFam Merch: https://bit.ly/shopbreadfam 🚀Subcount: 382,502 🕰TIMESTAMPS: 00:00 Intro & Overview 00:51 What is a Credit Card (vs. Debit & Prepaid Cards) 02:00 Types of Credit Cards (Basic, Mid-Tier, Premium, Elite) 04:14 Basic Credit Card Terms (Issuer, Networks, Statement, Transaction Types, etc.) 06:58 Credit Card Fees 07:45 Should you get a Credit Card? (Pros & Cons) 11:56 How to get a Credit Card - Where & How to Apply 12:52 How to get a Credit Card - How to Choose a Card + Tips 13:52 Reward-to-Spend Ratio: How to evaluate reward system of card Send this video to your homies so you guys can benefit from managing your finances together! SUBSCRIBE for more videos like this! I post one video a week and I talk about personal finance, self-development, or anything I learn or experience throughout my life as a 21-year-old. -- 🤝 Where to reach me ➜ FB & IG: @alba.nicoleee ➜ Email: alba.nicoleee@gmail.com -- 💳 Credit Cards for BEGINNERS | vs Debit Card, Pros & Cons, How to Apply | Credit Cards 101 credit cards 101 / credit cards Philippines / credit cards for beginners & students Philippines / how do credit cards work for beginners / how to use credit card / how to apply for credit card / secured credit cards / credit card vs debit card vs prepaid card / paano gumamit ng credit card