Credit Card Talk

[ciformes]

Doon tayo sa no annual fees, dahil para sa emergency use pagkulang o walang dalang cash.

[kano_d_great]

i go for milage..  as long as ma settle yung bills before due dates, maraming benefits ang ma-avail..

[figaro888]

grocery and fuel rebates

but cash is still king!

 

 

[tommy69]

On 10/18/2021 at 7:42 AM, johnlove said:

They used to entertain that request if transactions average 20k monthly.  But I don't think they still do that.

yes they do. no need to beg. besides. nowadays there are cc offering lifetime no annual dues.

[Muttley09]

On 12/10/2021 at 1:56 PM, tommy69 said:

yes they do. no need to beg. besides. nowadays there are cc offering lifetime no annual dues.

Yes  quite a few are offering lifetime no annual fees like Metrobank and Citibank.

[khantan]

Just work hard increasing your cash flow, and the banks will offer them to you.

[Ardie]

Mabilis ba maaapprove kapag salary is 50k plus?

[Richang]

Do not get credit cards if you cannot pay in full amount everytime. You should only use crefit cards so you wont be catrying cash much and maybe earn points in using it. 

[Immortal666]

I have 3 credit cards:

BPI Petron - lifetime no annual fees. Offers rebates for fuel-ing up at Petron but I hardly use it 'coz I have my car refueled at another gas station which offers cheaper rates for gas.

Citibank Mercury Drug - offers rebates for medicine purchased at Mercury Drug. Very useful now that I have maintenance medicines as part of my monthly expenses.

Citibank Rewards Card - earns rewards points. My back up card as it has a different cut off from my two other cards. 

 

[Asahina aya]

it’s very useful esp this pandemic 💕

[FF]

for perks benefits and added discounts . i have a citibank gas card which offers 5 % disc. My metrobank card b4 offered up to 50% discount in five star restos. My american express gives me free access to airport lounges here and abroad where you can have free coffee , juice , snacks while waiting for your flight. my bdo visa gave me an additional 20 % on apple stuff pag may promo. etc etc.

also kung mataas ang credit limit mo u can use it for emergency purposes specially  when u dont want  the additional paperwork and the long waiting time to process a bank loan.  I e . i helped my daughter buy a second hand car without the need for a bank loan. In minutes ( literally) i was able to get the full amount over the phone.

with that said ... never use your card for availing of a lifestyle you CANT afford. Specially kung pay the minimum amount ka lang lagi. You will DOOM yourself to a lifetime of debt.

[EricMurphy69]

Yes, number one rule with me is to only buy something if I can pay it in full in cash. It just helps you not to carry a lot of cash at hand. The perks / points can be beneficial.

[Jay Durian]

Lagi ako na rereject balik dqw ako after 6 months, first time ko sana kukuha ng CC, annually ko is around 600k, i wonder why i keep on getting rejected. Need ba tlga 1M ang annual income bago makakuha ng CC?

[animefile]

The only credit card that I think I will always keep is chase sapphire that give free lounge access at airports.

[Blue Boy]

On 4/18/2022 at 12:58 AM, Jay Durian said:

Lagi ako na rereject balik dqw ako after 6 months, first time ko sana kukuha ng CC, annually ko is around 600k, i wonder why i keep on getting rejected. Need ba tlga 1M ang annual income bago makakuha ng CC?

No you don't need 1M to get a credit card. Sa dami ng credit cards dyan impossible na hindi ka makakuha. Where do you do your banking? I know some banks who give credit cards to their depositors. 

Baka naman may utang ka sa banko or from a previous credit card which remain unsettled kaya ayaw ka bigyan ng CC?

 

[Jay Durian]

1 minute ago, Blue Boy said:

No you don't need 1M to get a credit card. Sa dami ng credit cards dyan impossible na hindi ka makakuha. Where do you do your banking? I know some banks who give credit cards to their depositors. 

Baka naman may utang ka sa banko or from a previous credit card which remain unsettled kaya ayaw ka bigyan ng CC?

 

First time ko sana na kukuha ng CC sir, kaya definitely walang unsettled balance. BPI ang payroll bank ko havent tried them, ang tinatarget ko kasi yung mga CC na may airline miles, i applied for the citipremier miles card kasi 30php/mile siya at that time, tas 360k annual income lang need. Not sure why i got rejected, i wish they would say.

[Blue Boy]

2 hours ago, Jay Durian said:

First time ko sana na kukuha ng CC sir, kaya definitely walang unsettled balance. BPI ang payroll bank ko havent tried them, ang tinatarget ko kasi yung mga CC na may airline miles, i applied for the citipremier miles card kasi 30php/mile siya at that time, tas 360k annual income lang need. Not sure why i got rejected, i wish they would say.

Usually pag first time mo na mag-aaply ng CC, hindi ka talaga ma-approve sa mataas na klaseng CC. Wala ka pa kasing credit history. Magsimula ka muna sa Credit Card na mababa ang credit limit, make sure that you don't have a revolving balance and mainatain a good standing with them. Ikaw na mismo ang oofferan na i-upgrade ang credit limit and mas madali ka ma-approve  ng mas mataas na klase ng CC. 

 

 

[courtesanhunter]

ang HSBC mapagsamantala. kapag hindi marunong ang gumagamit ng credit card laging palalakihin ang credit limit kahit baon na sa utang yung tao. bogus din yung minimum amount to pay dahil gusto nila na halos interes lang ang nababayaran ng card holder. tapos kapag gipit na ang user ay nagpapadala na sila ng letter mula sa abogado.

[hi_hello]

meron ba credit card na may app sya tapos everytime na gagamitin ung ccard e kelangan mo i approve sa app bago ma process payment?

[FF]

On 4/18/2022 at 12:58 AM, Jay Durian said:

Lagi ako na rereject balik dqw ako after 6 months, first time ko sana kukuha ng CC, annually ko is around 600k, i wonder why i keep on getting rejected. Need ba tlga 1M ang annual income bago makakuha ng CC?

comrade check your credit history . Do u have any unpaid balances with any bank or financial institution ? baka nasa negative data bank ka.

[FF]

On 4/20/2022 at 2:26 AM, Jay Durian said:

First time ko sana na kukuha ng CC sir, kaya definitely walang unsettled balance. BPI ang payroll bank ko havent tried them, ang tinatarget ko kasi yung mga CC na may airline miles, i applied for the citipremier miles card kasi 30php/mile siya at that time, tas 360k annual income lang need. Not sure why i got rejected, i wish they would say.

the sad reality is they wont say comrade. Anyway have you been rejected by other banks too ?

[KapitanBoom2009]

Yung ibang bank sinasabi na free daw yung anuual fee..pero hindi nilalagay na sa 1st year lang free....

[AvocadoStreet]

On 5/23/2022 at 9:39 AM, KapitanBoom2009 said:

Yung ibang bank sinasabi na free daw yung anuual fee..pero hindi nilalagay na sa 1st year lang free....

Agree! You'll be surprised there's already an anual fee on your SOA for December of the following year 🙃

Edited June 18, 2022 by AvocadoStreet

[blazynx]

Have you got any experience applying through moneymax? Yung may mga free items. Is it fishy?

[Pen15]

Meron ako secured BPI CC. Since secured edi meron ako security deposit na 22k. Ngayon nag email si BPI inoffer sa akin na iloan ko daw yung 22k ko sa kanila na meron interest🤣🤣🤣

Shuta sarili kong pera ipapahiram sa akin at papatungan pa daw nila ng interest.