I am a mortgage underwriter and points shared makes sense.
@MsLizzie504 жыл бұрын
If you find the videos beneficial, please do watch ads completely. I respect them alot, but need to save money. So, I watch one ad atleast completely :) Best channel EVER! You made my friend consider using credit card, who is strictly a believer in no spending anything on loan, just spend from your current savings/money which you have. :) Kudos!
@arindamgupta64704 жыл бұрын
A very engaging and fun way to talk about such a critical component of anybody's future success in Canada. Keep up the good work pal!
@Potatotalkies4 жыл бұрын
Thanks 😀👍
@alans23524 жыл бұрын
I know that your main audiences are Indians but do you mind just speaking English so that we can all understand? I'm so sorry I dont want to be rude You keep switching and I sometimes get distracted. And anyway, if somebody's English is not good enough to come to Canada , why would they need to watch these amazing videos? Thank so much. You are amazing
@brotherhoodconsultancy2544 жыл бұрын
V good knowledge.. that know one ever has given. Will keep it in mind as planning to move to Canada. Keep discussing this type of topics rather than groceries bill. Aashish Mehta.
@Potatotalkies4 жыл бұрын
😀👍
@KhushmanpreetSingh4 жыл бұрын
I laughed so hard when Navjot from the Past said," Mera Bhi Byeeeeee....." :D
@Potatotalkies4 жыл бұрын
😜🤣
@vikrantkulkarni12414 жыл бұрын
That was damn interesting, and so clearly explained.
@germaineboatwala-sidhva10794 жыл бұрын
Really crucial video! It's so easy to get into debt on a credit card! But if you use it responsibly it helps you have good credit.
@Potatotalkies4 жыл бұрын
👍👍
@BhavishyaBhatt4 жыл бұрын
Thanks for making videos even in these time. Your information are really very good. #fan you both rock together.
@Potatotalkies4 жыл бұрын
😀👍
@jagjit9674 жыл бұрын
Navjot, you have the enormous talent of making videos.🇨🇦
@Potatotalkies4 жыл бұрын
Thank you 😀
@prabhjeetsingh49654 жыл бұрын
Thanx buddy i almost follow each and every Canadian vlogger. However, not a single vlogger has made any video on credit history. Keep up the good work thanx for sharing your knowledge .
@Potatotalkies4 жыл бұрын
😀👍
@nonu4174 жыл бұрын
Quite informative! Very useful for new immigrants. Liked the dual presentation of Navjot sir in a very interesting way!
@Potatotalkies4 жыл бұрын
Thank you ... tried something different 😀
@Deepanshukaushik84 жыл бұрын
Very well explained. I’m sure about that after watching this video Simran will have a better understanding of the topic 😊
@jaskaransingh56574 жыл бұрын
Navjot job well done at explaining all these points. Specially it makes sense for people from India and other countries where credit cards have not yet taken off that well and the penetration and credit infrastructure is still not that developed. However, I would say the advice to make any expenses (after 30% limit is reached) using debit card or cash can be avoided, just that the credit used should not cross 30% at any time (though I know that you did say that). If one can anticipate more than 30% credit usage then just pay off the already used credit limit. Rest of it great content
@Potatotalkies4 жыл бұрын
👍👍👏
@loyalpur2kosmopolitan4 жыл бұрын
Indeed Mrs.Navjot miss this topic. It is most important for every expatriates
@Potatotalkies4 жыл бұрын
😀👍
@GurbaniAadhar4 жыл бұрын
Very Informative and Awesome Collaboration 🤘🏻
@asbindra4 жыл бұрын
Very informative post. Well researched and very beautifully presented. Keep up the good work👍
@Potatotalkies4 жыл бұрын
Thanks 😀🤗
@jaswantdhaliwal73044 жыл бұрын
I am very impressed by the way you explain things in detail. I have credit score of 860 still I watched your video till end to know if you have any different theory. You guys rock🤟
@Potatotalkies4 жыл бұрын
😀👍
@stanfordjones75864 жыл бұрын
I bought cvv from dumpsmasterlord on telegram,best vendor I know and trustworthy, he sells 💳 credit cards,cash app,drops and dumps all all kinds of works
@fantasticworldofcrystal4 жыл бұрын
This video was not at all boring. Infact, it was quite interesting with a lot of new information. 👍👍👍
@Potatotalkies4 жыл бұрын
😃😃
@kartarsingh33944 жыл бұрын
Interesting and important.. we appreciate your hard work and good wishes to you
@jmschoudhary90634 жыл бұрын
It's a very knowledgeable and relevant video Najvot aka Shanky.... Brilliantly presented... I've shared it to many of my friends... Enjoy Rab Raakha...
@Potatotalkies4 жыл бұрын
😃😃
@karanbatth80074 жыл бұрын
Very informative.. thank you for putting this together!
@naveenaluri93444 жыл бұрын
wow, such useful information. thank you.
@gaganbhambra23814 жыл бұрын
Still waiting for the “Special Guest “....Good way to hold the attention of the audience...Lol...
@princemushfiq4 жыл бұрын
His past guy was the special guest
@Potatotalkies4 жыл бұрын
Haha... correct, Navjot from the past was the guest ;)
@jikkuthankachan66714 жыл бұрын
I'm From Kerala and I just subscribed now :) you guys are awesome :)
@sumeetgavade84924 жыл бұрын
Thank you very much, that was very informative and crucial on details 👍👍
@Potatotalkies4 жыл бұрын
👍👍
@Imrankhanitsme4 жыл бұрын
This was highly useful. Thanks. I am certain it will come in handy. Keep making more such stuff. If you brief on some basic policies/laws on having multiple jobs, legal restrictions of having extra income, etc.
@Potatotalkies4 жыл бұрын
It depends on the employment contract you sign.
@chakraview3894 жыл бұрын
Koi boring nai h bhot achi video thi sahi mein :))) very helpful for big spenders like me 🥴🤣
@Potatotalkies4 жыл бұрын
😃👍
@imthushar4 жыл бұрын
Very informative video. First of this kind and you nailed it.
@Potatotalkies4 жыл бұрын
Thanks :)
@manjunathams88654 жыл бұрын
No need of any guest.. you guys are enough..always I feel eager to listen to you and watch your contents.. creativity 👌 started spending more time here than on Instagram 😜
@travelingdiary58864 жыл бұрын
You guys are doing best work...tysm for guidance
@Potatotalkies4 жыл бұрын
Thank you 🤩🤩
@tech4tie74 жыл бұрын
bundle of thanks sir for this kind of information
@dollygoradia2114 жыл бұрын
Very informative and simply explained 👍🏻👍🏻
@Potatotalkies4 жыл бұрын
Thank you :)
@sajjadsaiyed4 жыл бұрын
Good research results in a good video. Keep it up 👌
@Potatotalkies4 жыл бұрын
😀👍
@chakarwartibhardwaj13704 жыл бұрын
Precise and to the point information. lot of Good advice just in 11 min. I like you initiative to provide information in less time(not increasing the time of video unnecessarily) Missing Simran Bhabhi ji in this Vlog As she always make us laugh during the video. Take Care of yourself Stay Safe Stay Home!
@Potatotalkies4 жыл бұрын
Thank you 😀 I know, she is the funny one 😀
@jerinaelsa Жыл бұрын
Thanks for the awareness. Please make a recent video on this based on your experience and knowledge.
@mahmadalimomin25024 жыл бұрын
Very nice video good information mentioned I like it very much and very important for newcomers and students and immigrants very great job done thank you very much for your time and hardworking.
@Potatotalkies4 жыл бұрын
😀👍
@musaaltaf65614 жыл бұрын
an informative video for all....thanks bro👍
@Potatotalkies4 жыл бұрын
👍👍
@meanoopnandakumar4 жыл бұрын
Very informative ...... love your videos .....cheers
@Potatotalkies4 жыл бұрын
🤩👍
@dushyantsingh494 жыл бұрын
Informative as well as entertaining Video Paji..
@pankajgambhir57714 жыл бұрын
This rule is somewhat applicable in India too..
@kamalmarok4 жыл бұрын
There is one thing you are missing The credit score we check in scotia Bank that is made by Trans Union Credit Score.... Actually that's not real credit score we can get an idea though plus this credit score is only centred or limited to your scotia bank. Means if u take credit card from Canadian tire and miss the payments that will not effect your Trans Union credit score. But in real it will impact real credit score
@Potatotalkies4 жыл бұрын
Thanks for the constructive input.. I agree, this is only indicative 👍
@varshakalra49264 жыл бұрын
Hey Navjot, flashback was super cool!! Simran, you too should have been there in flashback scolding him for not using cards prudently 😁. Jokes apart, it was interesting topic you touched upon Nav and of corruption a must to be aware of!!!
@Potatotalkies4 жыл бұрын
Hahahah
@kamalmarok4 жыл бұрын
Hehe I like that special guest appearance. 🤣🤣🤣
@Potatotalkies4 жыл бұрын
😀🤣
@abbakabb4 жыл бұрын
Planning to come to Canada, but cant make up my mind as m in my 32yrs of age. Plz share ur experience and advise about the same. Thanks and keep posting awesome content about Canada and your experiences
@Potatotalkies4 жыл бұрын
Age doesn't matter. We are talking about a lifestyle change which will impact the next 40 years - not just for you but your family too. Btw, I am also 32 - so get what you are saying.
@abbakabb4 жыл бұрын
@@Potatotalkies thanks a ton. Means a lot when someone understands what someone is feeling exactly. B safe and thanks again
@bhaskarsoni30923 жыл бұрын
Ek number video bro 🔥🔥
@DrBilalHussain4 жыл бұрын
Hey pa ji! Sasriakaal from Hong Kong! Thank you for your videos! :)
@Potatotalkies4 жыл бұрын
😃👍
@harshadkh87982 жыл бұрын
Very informative,Thank you
@Amiralyb4 жыл бұрын
Good informative video :) . I would agree to all your points BUT you need to see that you don't have credit cards from all the banks. You should have at-lease 1 Visa and 1 Master (as some stores only accepts Master like Costco, NoFrills etc). I have manage to have more credit cards and are able to pay them on time and utilizing it 30% of credit limit still the lender will see how much you are spending and are paying it off and still you have money to survive (i don't know what this concept is called). Though lender will see that you are paying off your credit bills on time there are no hard credit check or any dues still the amount they will lend you will be less as you need money to survive so also consider that.
@Amiralyb4 жыл бұрын
Few more things the credit check is hard credit check (which reduces your credit score regardless if your loan is approved or not) and other is soft credit check (no impact on your credit score) which is commonly done by internet/cellphone service providers when you get credit limit increase on your credit card(s). The other thing is you can check your credit score once in a year which is free (though your bank offers it for free but not all banks provides it for free). Thirdly, if you are checking your credit score frequently other then FREE (make sure its free and do read the fine print which as it will not impact your score) service provided by your bank/institution you could end up decreasing your credit score as credit beaurue will consider it as hard credit check request/inquiry. In Canada there are 2 credit beaurues Transunion and Equifax make sure your information is upto date with them.
@Potatotalkies4 жыл бұрын
Thanks for the detailed info 👍👍
@adriankennett11544 жыл бұрын
Thanks for simplifying it, and love the flashback Navjot. I had one question. In one of ur video u had mentioned to not take the bankers cheque and u did a wire transfer to Scotia bank which helps increase your credit score.. Can you please elaborate how that really works? Thanks Mate
@heyshine84314 жыл бұрын
yes, even i want to know that.
@Potatotalkies4 жыл бұрын
Hey, naa... that's not true for Canada. now I know that :) I mixed it up with Hong Kong's credit bureau where I have lived for 4 years thinking that credit cards work the same everywhere:)
@adriankennett11544 жыл бұрын
@@Potatotalkies Ohh OK. Thanks for letting us know that. So in that case I will proceed with the bankers cheque. Have a nice day ahead mate..
@heyshine84314 жыл бұрын
@@Potatotalkies Now I understood, thank you for clarifying.
@sundaramsharma62103 жыл бұрын
Thank you so much for this amazing information
@sagarsridhar983 жыл бұрын
Excellent video
@kumailjemani38234 жыл бұрын
Hi, I'm new subscriber and I missed your live q&a session Awaiting soon and please let us know where we can find second hand things for house setup
@Potatotalkies4 жыл бұрын
Value village is great... furniture bank too.
@freshoutofboat42874 жыл бұрын
Great Video - I think it will help all new comers a great deal...
@Potatotalkies4 жыл бұрын
👍👍
@shailaaman16374 жыл бұрын
Fantastic bro 👍
@amangrewal4904 жыл бұрын
very good information. thanks sir
@olsonpereira24054 жыл бұрын
Very informative..thanks
@amrishsinghdhami55794 жыл бұрын
very nice and interesting video.. Thanks!
@Potatotalkies4 жыл бұрын
😀👍
@lubnaambreen22554 жыл бұрын
Very well explained !!double likes for double roles 😊👍👍
@musaaltaf65614 жыл бұрын
What a guest bro...😂 Wish u best of luck for ur new life bro✌️👍
@Potatotalkies4 жыл бұрын
😀
@xayushixxpandeyx4 жыл бұрын
Stopped the video in the middle and went to pay my credit card bill😂😂😂
@sumitmaitraa Жыл бұрын
Love your video content
@mazharali99004 жыл бұрын
You are the best.
@gurujyotsingh47814 жыл бұрын
Something really infor.🤘
@Potatotalkies4 жыл бұрын
😀👍
@Savalakh_224 жыл бұрын
brother as usual nice video
@Potatotalkies4 жыл бұрын
Thanks :)
@bluemooncinemahd5994 жыл бұрын
amazing explanation ....thank you
@poojavlogs70634 жыл бұрын
Thanks for info
@durgeshvengsarkar70774 жыл бұрын
Excellent information
@santoshkumaragnihotri66463 жыл бұрын
Bhai really special guest SE mil ke Maza aa gaya
@Potatotalkies3 жыл бұрын
🤣🤣
@aasthadeshpande70854 жыл бұрын
Navjot, Though Simran was missing from the vlog today, still its an insightful & informative vlog .
@Potatotalkies4 жыл бұрын
Thank you! I missed Simran too 😀😜
@JGJ99994 жыл бұрын
Potato Talkies - Canada Potato Talkies - Canada dear sweetie couple. Ssa Aap dono ko. I must say u are making very nice vedios. U guys are blessed Aap ke sare kaam Mast ho rahe hain u reached Canada on time simran got job u got house and so on. Ran da shukrana Karo. Blessings to u both wah Guru thwanu chadhdi Kala vich rakhe. Pls what's app me on +17787665886 or +971553418686. 🙏🏻🙏🏻🙏🏻WGJKK WGJKFF
@Potatotalkies4 жыл бұрын
Hi, thank you so much. Please ping me on Instagram @potatotalkies and ask your questions there :) Will be happy to answer your questions there.
@lakhpatraihostel4 жыл бұрын
Very helpful information
@pankajdey89594 жыл бұрын
Paji tusi great ho
@sushilk44 жыл бұрын
Informative vlog....good work Other than tht. Put one tag line while ending each video..😊👍🏻
@Potatotalkies4 жыл бұрын
Yes... need to think of something:) Thanks...
@sushilk44 жыл бұрын
@@Potatotalkies your welcome bro.. Ur doing good..n I want u 2 go high with this
@54neelkamal4 жыл бұрын
Well done 👍 missed simron
@sudeeppillai25014 жыл бұрын
I like this couple a lot
@anunischal29484 жыл бұрын
It's really helpful 👌👍 god bless
@Potatotalkies4 жыл бұрын
😀👍
@myazeem64904 жыл бұрын
plz make a video on process of buying house on cash.....without loan...as muslims arent allowed to pay interest.... plz share the possibilities....
@Potatotalkies4 жыл бұрын
Hmmm... will try!
@canadianjatti4 жыл бұрын
Not sure what you need to know thos would be a simple transaction since you wont be getting a mortgage so no need to deal with any bank just lawyers to process documents and register land title to new owner. Simple.
@shenisundar58374 жыл бұрын
Informative vlog Bhai
@Potatotalkies4 жыл бұрын
Thanks!
@Simrandahion4 жыл бұрын
Useful information bro... Thanks for sharing.😊👍 What is the scope of marketing job in Canada and what type of product you sale in past and now??
@Potatotalkies4 жыл бұрын
It's good in normal circumstances. My expertise is CPG marketing.
@anksrao33554 жыл бұрын
Nice info👍🏻 good work.. have you applied for the driving license?
@Potatotalkies4 жыл бұрын
Not yet. They are closed.
@sumitthaper34374 жыл бұрын
Plzzz make a detailed video on the Quebec immigration system for those who are in canada & for those who are outside canada
@Potatotalkies4 жыл бұрын
It requires a job offer or french! So, I dont see a lot of demand for it from india.
@jay391573 жыл бұрын
Bhai,hatts off to your video. We get plenty of information from this. Pls tell me what are the other factors to buy a first house @4.5 to 5 Lacs Dollars in Can. Consider I have enough @20K down payment is available from the first day of landing.
@kanwalpreetsingh62134 жыл бұрын
I am not sure but i have heard, that our credit score gets a hit as many times we check it..
@Potatotalkies4 жыл бұрын
That's a myth. What we check is a soft enquiry which doesn't impact our credit score
@rdicxon4 жыл бұрын
Hi Navjot....I have recently joined your channel....really like the way you guys share information. Please confirm here in Canada the credit score you get when you get the credit card....has anything to do with Indian credit history?
@Maverick-ld2xc4 жыл бұрын
This is helpful
@evaangel93454 жыл бұрын
Guys you are doing great.. stay blessed n keep it up... Well 1 thing i didnt get clearly.. as you mentioned at the time of arrival, your credit score was around 618. Right.. was that score affected/considered your credit history back in India or it was kind of minimum score assigned to you right after opening your bank n getting credit card. ?? I know linking it with India doesnt make sense however as i said i made me a bit confused to could you please make it clear to me..
@zeekayv3 жыл бұрын
Hi Navjot, thanks for the advice. Should the same principle of buying a car on a loan apply to buying a house?
@mushthaqrumy89094 жыл бұрын
Thanks a lot for the informative video bro :) By the way did you all get two credit cards for the same account? TIA :)
@Potatotalkies4 жыл бұрын
One credit card only
@gurindersingh63024 жыл бұрын
Make a video on buying a car in brampton...which car to buy and how much range it should be in.
@Potatotalkies4 жыл бұрын
Will do when we get one.
@Reddylion2 жыл бұрын
Nice
@DK-ez4jt4 жыл бұрын
Hello , Need to know if my Wife Maternal Uncle can sponsor us for Canada , they reside in Toronto , our CRS score is 428 without sibling sponsorship , thanks
@Potatotalkies4 жыл бұрын
Nope... he won't be able to get you any points.
@DK-ez4jt4 жыл бұрын
@@Potatotalkies Thanks!!
@mybaap1234 жыл бұрын
Hello, You must have known me by now becoz i have already ask so many questions. Here is one more: Does my Cibil(Credit) score in India be applicable even when we start over with Banking in Canada or do we get a seperate PAN/Credit History there.. Also, does my previous Credit History have an impact on Credit Score in Canada
@Potatotalkies4 жыл бұрын
You start fresh from scratch in canada
@22kjs224 жыл бұрын
Hey Navjyot!!! As you said if one is planning to buy a house in Canada, he or she has to start planning from the day one lands in Canada. My question is can an international student plan to buy a house in Canada?
@Potatotalkies4 жыл бұрын
Sure.. you still need to build your credit history for when you are a PR and able to buy
@varunmanjunath62044 жыл бұрын
Read rich dad and poor dad by Robert Kiyosaki.
@Potatotalkies4 жыл бұрын
Yes, I love it
@tahanyusraart9013 жыл бұрын
Very informative bro.....as soon as I land in canada, can I open an account and get a credit card without a job and salary statement,?
@Potatotalkies3 жыл бұрын
Yes you can
@tahanyusraart9013 жыл бұрын
Thanks for prompt reply 👍
@abhiansh4 жыл бұрын
You jinxed your video, for me Video Starts and after you say "Is Baar to mujhe koyi Nahi rok Sakta" it gets stuck for buffering 😀
@Potatotalkies4 жыл бұрын
🤣
@whiskerrisker66163 жыл бұрын
Hello...your videos are very clear and informative. I have a query. What if someones has enough money to pay for like 20% down for a house in canada within a short time of arrival from their previous savings. Can they get a house right away?
@Potatotalkies3 жыл бұрын
Sure… but the rate of interest may not be the best as your credit score will be on a low end. Do check with a mortgage broker about your options
@abishasan14 жыл бұрын
Is the credit same for all countries? As you credit was ruined in India, did it carry to Canada?
@Potatotalkies4 жыл бұрын
No.. start afresh in canada
@abishasan14 жыл бұрын
@@Potatotalkies thank you so much for this reply. This puts my mind at ease as my wife made mistakes. Btw I love your channel and videos
@Saather4 жыл бұрын
If someone has taken loan outside Canada and paid half of the amount and lost job and then couldn't pay the loan. The bank filed a case and that person had to pay fine but still has to pay off the remaining amount . will they check his credit history ? Will it affect on his PR application?
@Potatotalkies4 жыл бұрын
Your indian credit history doesn't matter in canada as long as you don't have a criminal / fraud strike in india against you.
@rashmishetty65784 жыл бұрын
Please can you share which site do you use to check the credit card score for your Indian and international cards like i was in the US for some time. Do scores from credit cards that were used in the US also matter in Canada
@Potatotalkies4 жыл бұрын
You start fresh in canada. We check on credit karma.