Credit Card Talk

[Mackee]

I had the best experiences with my HSBC card.. Why? A lot of discounts from restaurants like Burgoo.. and have lots of 0% installment promos with a lot of stores.. Hindi lang ito appliance stores but also shoes and clothes.. You just have to inquire..

 

 

The only bad experience I have with HSBC is that they give lower credit limits compared to other card companies like Citibank. I already have a gold card with Citibank an HSBC only gave me half the limit of Citi.

 

 

Thanks for the info guys, credit limit isnt an issue with me at the moment so its okay I just wanted to make sure I picked the right bank

 

 

Citibank gives a lower interest rate than HSBC.

 

Plus my credit limit is twice as much as HSBC's.

[Mang Joe]

Given the pros and cons, what would be a good CC for someone who just started working? HSBC or Citi?

[Mackee]

Given the pros and cons, what would be a good CC for someone who just started working? HSBC or Citi?

 

 

I think it's Citibank. Higher credit limits, Lower interest rates, points are not forfeited, better customer service....

[Mang Joe]

I think it's Citibank. Higher credit limits, Lower interest rates, points are not forfeited, better customer service....

 

Oh ic..Thanks for the feedback bro I might consider applying

[dinnerpack]

Thanks for all the info on HSBC.

[amberfortress]

Never had a problem with my HSBC card. And the discounts and installments promos are not so bad either.

 

And it might be worth mentioning that it has one of the lowest balance tranfer interests

[artvader]

I think it's Citibank. Higher credit limits, Lower interest rates, points are not forfeited, better customer service....

 

I agree. I hate HSBC's reward points system. Every year or so my points go back to 0. My Citibank points are still there even after 10 years have gone by.

[archervinny]

hmmm i think you wouldn't have any problem with any credit card if you pay right. One thing i do want to point out is... that freaking reward points... i just hope they include something really nice and all. Hope that it can be converted to credit hahahaha

[borderlineflytrap]

Who among you guys and gals own a card affiliated with gas companies e.g. Petron BPI. I'm using one right now and they give a 3% rebate on fuel purchases. I'm just wondering if other card companies using the same scheme give the same rebates as BPI? Thanks.

[Mang Joe]

if im not mistaken, citibank has one with shell, also 3% rebate

Edited November 10, 2007 by Mang Joe

[rongo]

I agree. I hate HSBC's reward points system. Every year or so my points go back to 0. My Citibank points are still there even after 10 years have gone by.

 

HSBC has the worse reward system because the points are only valid for one year. I wonder if there are any cardholder who have earned enough points to get the expensive appliances in their catalog...

[chipmaker]

UBS's Euro 2008 Mastercard! Comes with a really nice welcome packge. Free beach towel, pouch, and Euro 2008 lanyard which you can use to hang your ID or cellphone.

[rongo]

UBS's Euro 2008 Mastercard! Comes with a really nice welcome packge. Free beach towel, pouch, and Euro 2008 lanyard which you can use to hang your ID or cellphone.

 

 

Can We apply for that in the Philippines or do we have to be a Private banking client in order to avail of that card?

[sampatsiaw]

how about credit cards of local banks? can't they compare with citi or hsbc?

[rongo]

how about credit cards of local banks? can't they compare with citi or hsbc?

 

Credit cards issued by local banks are the same as Citi of HSBC in terms of merchant acceptance, as long as they carry Visa or Mastercard logo they can by used in most card accepting establishment. When using local banks issued card in foreign country they may require identification like passport in order to process the card. If we use international bank's card (Citi, HSBC, etc.) it would be easier to use in other countries since they are familiar with the brand, you might also avail of discounts if the establishment is a partner of Citi or HSBC.