@slklangnasdgot15: HOW TO MAXIMIZE CREDIT CARDS If you're part of Kaskasan Buddies, you probably already know how powerful credit cards (CCs) can be—not just for managing expenses, but for growing your business and achieving your personal goals. But wait… "Ha? Paano makakatulong sakin yung credit card para maabot ko yung goals ko, eh utang lang naman yan?" A lot of people think credit cards are bad. But the truth is, they only become a problem if you don’t know how to use them properly. --- The Mindset Shift I always tell my friends: If you already have a credit card, keep it—and use it more often than your debit card. Tip: If you're scared to use it, just use the CC, then immediately pay it off using your debit card. That way, you're building credit without accumulating debt. One of my clients once told me something that really stuck with me: > "Alam mo Yen, hindi mo kailangan ipunin yung business na gusto mo para matayo mo ito. Ang kailangan mo lang, magandang credit standing—para pera na ng bangko ang gagamitin mo." At first, I didn’t get it. But after doing some research, it finally made sense. --- Good Debt vs. Bad Debt Not all debt is bad. In fact, there’s such a thing as good debt—and that’s the kind of debt that helps you make more money. Example: Let’s say umutang ka sa bangko ng ₱100,000, payable in 12 months, with 1% monthly interest. That’s roughly ₱9.5k/month in payments. You use that ₱100k to start a milk tea shop (hypothetically), and that shop brings in ₱30k/month in income. So even after paying ₱9.5k/month to the bank, you’re still earning ₱20.5k/month. That’s Good Debt—money you borrowed to create more income. > Disclaimer: This is just a simplified example. Always do your own due diligence and risk analysis before starting any business.* On the other hand, Bad Debt is when you borrow money to buy things that don’t earn you anything back—like the latest phone or a gadget you don’t really need. That’s money out with no return. --- My Credit Card Journey I’ve been building my credit for almost 9 years. Malayo na, pero malayo pa. If you already have one credit card, consider applying for another after a year. This helps build your credit score and increases your credit limit, which are both important if you plan to get a loan later on. Building a strong credit profile takes time, discipline, and strategy. If you know someday you'll need capital for a business or a big purchase, the best time to start building credit is now. You’ll thank yourself later. --- Final Thoughts Right now, I’m in the stage of establishing my business. Matagal ko na itong game plan—and one thing I’ve learned is that it’s better to start early, especially if, like me, wala tayong ibang aasahan kundi ang sarili natin. So if you’re scared of using your credit card—don’t be. Learn to use it wisely, not fearfully. When used right, it can be a powerful tool to help you reach your goals. ⸻ Looking to build your credit? These premium links offer easy approval and are a great first step toward establishing a strong credit score. #promise Atome Card (For those without a credit card yet, like students, start building credit) Apply here 👉 https://www.atome.ph/en-ph/mgm/card/981404508?type=card_share&uid=U4312436640&campaignId=RP32354639830359857766981404513&channel=mgm_sharing_page&shareContentId=981404508 EastWest Bank Titanium Mastercard (No annual fee for life & faster approval with this premium link) Apply here👉 https://chatbot.ewbconsumerlending.com/estachatbot.html?ref=cardsmgm-7902 UnionBank Platinum Visa (No annual fee for life & faster approval with this premium link) Apply here 👉 https://apply.cc-pl.unionbankph.com/PLCC/Verification?media=UBNOW-JL0LZVGZ&pcode=VP201&scode=DCMMUBOMRE P.S. Hindi rin ako basta-basta nag-aapply kapag wala akong makukuha. 😅 Apply ka lang sa mga may magagandang promo. Then kapag nakita mo na wala siyang silbi, either keep it for CL or cancel it — at least you get their promotion. 😉 Kaya try niyo na ang tatlong ito, highly recommended! 💯 Follo

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