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#401 kuneho92

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Posted 20 April 2016 - 12:16 AM

Metrobank M card = no annual fee for life, no points.

Citibank = perpetually waive depende kung na offeran ka ng ganun

BPI= 2015 nag offer sila ng waive annual fee for life.

RCBC =This yr may ongoing promo na no annual fee for life.

*based sa observation, kadalasan pag no annual fee, walang earning points at mataas ang interest rate nsa 3.5 to 3.95%, citibank lang ang may points kpa din. at sa Citibank lang ang automatic yearly increase ng credit limit.

BDO Shopmore card, walang earning points, kaso madaming perks pag sa SM ka namimili.



#402 p-colossus

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Posted 18 May 2016 - 03:34 PM

Any tips on how to waive the annual fee for credit card principal and supplementary? My credit card issuing bank is BDO. Thanks!

#403 brandom

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Posted 18 May 2016 - 09:19 PM

Any tips on how to waive the annual fee for credit card principal and supplementary? My credit card issuing bank is BDO. Thanks!

 

In my experience, I just kept on paying on time. I've had credit card for more than 7 years and I've been waiving my annual fee yearly.



#404 p-colossus

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Posted 21 May 2016 - 05:24 PM

In my experience, I just kept on paying on time. I've had credit card for more than 7 years and I've been waiving my annual fee yearly.


Thanks for the reply :) Were you approved the full amount or only half of it? I asked my friend who works in a bank and she said it's possible to only get half waived.

#405 loge1412

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Posted 22 May 2016 - 05:08 AM

I'll try to call BDO to have annual fee waived. Okay naman ang payment history hopefully mapagbigyan ehehe

#406 Adobers

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Posted 24 May 2016 - 06:54 AM

Sabi sakin ng BPI mas mabilis ma waive pag abot ka sa certain amount per month around 25k daw.
Mabilis din mag waive pag walang gamit at all sabihin mo hindi mo kelangan papaputol mo na kung ayaw.

#407 p-colossus

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Posted 10 June 2016 - 11:39 AM

Any tips on how to waive the annual fee for credit card principal and supplementary? My credit card issuing bank is BDO. Thanks!


I just got off the phone with a BDO customer service representative. My annual fees of Php 1500 and Php 750 for both principal and supplementary cards have both been approved. She said that the reversal will take around three banking days and it will show in the next billing cycle.

It was a very quick and easy transaction. She simply asked for some of my information for verification, placed me on hold for a bit, and then informed me that my request for reversal of the annual fee has been approved.

Overall, I am satisfied and pleased.

#408 kind patron

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Posted 13 June 2016 - 08:25 AM

As long as you're using them frequently and no payment issues, they'll most likely waive AF or suggest you purchase X amount within X days.



#409 whackpter

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Posted 10 August 2016 - 08:35 PM

If you can pay cash, do it. If not, bpi is nice. Though if you are after points, easier to redeem points with RCBC Bankard.

#410 -DELETED-

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Posted 11 August 2016 - 03:35 PM

Just for info sa ibang may tanong.

 

Got Metrobank Gold Card

1. Waived Annual Fee P 2,500.00 same as supplementary. May mga ipapagawa lang sayo like you have to charge/spend a certain amount within a month to waive it.

2. Credit Limit automatically increases. They haven't informed me about it before, I just noticed the balance but I think you can control the limit, try to call them.

3. As for the points and rewards. Got a P 2,000.00 vouchers before for fliplops ba yun. Hindi ko lang nagamit. But after than wala nang ibang rewards, sobrang mahal din ng redeemable items. I charged 500 - 800k per year pero hindi man lang ako makaredeem ng electric fan (from the points accumulated in a year). Alam ko BDO may magandang rewards. Nag stick lang ako dito kasi metrobank ang savings ko so no hassle in paying I do it online. 



#411 pusongbato

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Posted 20 August 2016 - 09:18 AM

In terms of credit scores, which is better? paying the minimum due amount or full account balance?

 

I noticed with my HSBC.. in less than 6 months of just paying a little higher of minimum due.. tinaasan agad yung credit limit ko without informing me..

 

Samantalang ung RCBC.. which is madalas kong bayaran in full balance... hindi ako tinataasan.. although hindi pa naman ako nag rerequest kasi hindi ko kelangan..



#412 LordShariggan

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Posted 23 December 2017 - 03:34 PM

130k ang credit limit ko

pero dahil sa luho at katangahan ko

14k nalang ang available balance. ang daming installment at loans kasi

hahahaha



#413 Discreetandfun

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Posted 14 March 2019 - 05:30 PM

Bpi for low low loooooow interest

Rcbc for non-expiring points and flexible rewards

Metrobank... Ugh... Super hirap nila kausap. Minsan ko lang gamitin pero madalas may problema. Aabutin pa ng madaming months bago nila ireverse yung extra charges.

#414 LukaDoncic

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Posted 03 May 2019 - 09:27 PM

Got an offer from bpi, giving me twice as much limit that i have in citibank plus lifetime free annual free. Napapaisip tuloy ako.

#415 ijap1012

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Posted 09 May 2019 - 02:41 PM

Salamat sa mga information sa mga credit card nyo. May tanong lang ako about sa BDO credit card holders dito.  Talaga bang matagal ideliver sainyo ung car?



#416 Sparx14

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Posted 12 May 2019 - 07:34 AM

for BDo d naman matagal, d nga ako nagrequest binigyan pdn nila ako, siguro perks of being a seafarer



#417 Stewart Gilligan Griffin

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Posted 18 May 2019 - 07:15 AM

BPI before send me a card without me asking or applying for it, perks of a seafarer sabi nga ni brad above me



#418 Aaron G

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Posted 13 June 2019 - 11:11 PM

BPI before send me a card without me asking or applying for it, perks of a seafarer sabi nga ni brad above me


Congrats Bro. It means you have a good relationship with your bank. A financial institution has a pre-qualified list of clients. These are individuals who maintain good standing with the bank (e.g. has good amount of deposit, avails of other products, or didn't forgo any liabilities).

Salamat sa mga information sa mga credit card nyo. May tanong lang ako about sa BDO credit card holders dito.  Talaga bang matagal ideliver sainyo ung car?


Mabilis naman bro. Make it sure na complete iyong billing address mo.

As soon I got the text na approved na ako at on its way na raw iyong card ,nadeliver sa akin after 3 days.

Bpi for low low loooooow interest
Rcbc for non-expiring points and flexible rewards
Metrobank... Ugh... Super hirap nila kausap. Minsan ko lang gamitin pero madalas may problema. Aabutin pa ng madaming months bago nila ireverse yung extra charges.


Bro itry mo icompare sa Security Bank.

#419 dan_ferdie_jpn

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Posted 16 July 2019 - 10:35 AM

BPI vs Citibank
Mas mataas magbigay Citi ng credit limit. Pero mas madalas mali nila sa statement or billing. Had 3 or 4x na mali. Pinareverse ko naman. Si BPI mas accurate and conservative sa experience ko.

#420 mrkylekervin

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Posted 09 August 2019 - 01:37 AM

RCBC is good for me.

 

Metrobank is okay, but I just hate that they were calling monthly to offer insurance. Modus pa nila kunwari kunwari check lang ng account etc..

I haven't gotten a call though for 3 months now though. Nag-pa transfer lang ako sa supervisor and cited data privacy laws etc..






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