Credit Card Talk

[kreid]

parang nakakatakot magkaroon ng credit card honestly. madami akong nakikitang good reviews sa card na yan pero siguro di ko pa talaga ganon magrasp yung importance niya

[Brospo1]

The best pa din ang BPI visa signature 

[Yondaim3]

Hnd ba madamot mag bigay increase si chinabank

[Blxst]

On 1/16/2026 at 1:32 PM, kreid said:

parang nakakatakot magkaroon ng credit card honestly. madami akong nakikitang good reviews sa card na yan pero siguro di ko pa talaga ganon magrasp yung importance niya

Buying power lang talaga ang halaga niya, since it allows you to spend money you don't have right now. At kung mataas yung credit rating mo, it signals that you're trustworthy...to financial institutions that will be more willing to lend you more money, so buying power ulit.

There are other benefits, but those are just tricks they use to get you to sign up. Credit card companies make money when you don't pay completely and on time, since this is when you're charged interest. They're hoping na ganahan kang gumasta at makalimot ka ng payment.
 

[Lungshark Magina]

Basta treat it as cash muna siguro for starters, pangdailies like electric bill, grab, kain sa labas and alike. Nakakuha ako worth 12kphp last December dahil sa use ng credit card since may mga promo sila and points na convertable to cash. And always ask yourself if may big purchase na "is it a mindful expense?"

[alin1]

On 2/8/2026 at 9:49 AM, Lungshark Magina said:

Basta treat it as cash muna siguro for starters, pangdailies like electric bill, grab, kain sa labas and alike. Nakakuha ako worth 12kphp last December dahil sa use ng credit card since may mga promo sila and points na convertable to cash. And always ask yourself if may big purchase na "is it a mindful expense?"

Be mindful with using cards, theres always the itch on using it, needs 1st before wants (only 2nd prio)

[fatal1ty]

Atome, zero interest up to 40 days