'Buy Now, Pay Next Year' at iba pang promos, dapat pag-isipan bago i-avail — financial expert | SONA - video Dailymotion

GMA Integrated News

Sa mga nagki-christmas shopping--tila nakaka-engganyo ang alok na 'Buy Now, Pay Next Year' promo. Pero ayon sa eksperto, pag-isipan muna bago iyan kagatin. May report si Vonne Aquino.   State of the Nation is a nightly newscast anchored by Atom Araullo and Maki Pulido. It airs Mondays to Fridays at 11:05 PM (PHL Time) on GTV. For more videos from State of the Nation, visit http://www.gmanews.tv/stateofthenation.  #GMAIntegratedNews #GMANetwork #KapusoStream #BreakingNews  Breaking news and stories from the Philippines and abroad: GMA Integrated News Portal: http://www.gmanews.tv Facebook: http://www.facebook.com/gmanews TikTok: https://www.tiktok.com/@gmanews Twitter: http://www.twitter.com/gmanews Instagram: http://www.instagram.com/gmanews  GMA Network Kapuso programs on GMA Pinoy TV: https://gmapinoytv.com/subscribe

Transcript

00:00To those who are doing Christmas shopping, it seems like you are listening to the Buy Now, Pay Next Year promo.

00:06But according to the expert, think about it first before you buy it.

00:10We have a report from Vona Kino.

00:15Now that it's Christmas, are you also interested in Buy Now, Pay Next Year

00:19and Zero Interest that includes credit cards, e-wallet, and other lending services?

00:24According to R.M. Conda, it's very tempting.

00:27I'm always tempted, but I always think about the needs at once.

00:33Of course, I have a family, I can't just get it here.

00:36Daryl Jade Carpiz says that sometimes it's hard to pay for the credit card at the same time.

00:43According to him, don't be too greedy.

00:46According to a financial expert, the Buy Now, Pay Later scheme should be thought about carefully.

00:52He's forcing you to buy now the thing that you can still exchange.

00:58What the seller is actually doing to you is he's getting you used to borrowing, right?

01:05Even if it's 0% Buy Now, Pay Later, it's still a loan.

01:11It's better to use a credit card for things that are productive or make money like business.

01:17The rule of having a credit card is that you should be able to pay it in full when our due date comes.

01:25If you can get a discount on the Buy Now, Pay Later, so there are two things I'm looking at, right?

01:33There should be no interest, and if you can still push, you will get a discount when you buy now, pay later.

01:40Then that's a good deal.

01:42So that you won't overspend this Christmas, be happy with simple things.

01:46Avoid borrowing when shopping.

01:48Avoid competing with the market, especially if you're going to spend.

01:52Plan your expenses and set a budget.

01:55The credit limit that we give, our credit line on credit cards, this is not money.

02:02So that's not an extension of our bank account.

02:05Your real money is what you worked hard for, it's already there.

'Buy Now, Pay Next Year' at iba pang promos, dapat pag-isipan bago i-avail — financial expert | SONA

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