Credit Card Talk

[kind patron]

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.

[whackpter]

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.

[-DELETED-]

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.

[pusongbato]

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..

[LordShariggan]

130k ang credit limit ko

pero dahil sa luho at katangahan ko

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

hahahaha

[Discreetandfun]

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.

[LukaDoncic]

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

[ijap1012]

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?

[Sparx14]

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

[Stewart Gilligan Griffin]

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

[Aaron G]

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.

[LukaMavs_77]

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.

[mrkylekervin]

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..

[coffeelover]

I only have bpi credit card. annual fee was waived, but I need to purchase anything worth 10k for 3 months.That includes the amount on an item I've been paying for.

[jasperlaguitaolegacy]

baon na sa utang wag magloloan

[Pearl_Diver]

Masarap mag swipe medyo mahirap lang sa bayaran kapag napadami na utang.

[putokmolang]

which bank credit card have the good perks / promos? aside from BDO and BPI

[RunningFree]

Kas-kas ng kas-kas. Pag bayaran na, kamot ng kamot. Better to always bring cash for daily use. Tempting and cards, the lower the limit the better. Mabilis magpile up yan. 160k pa utang ko hahaha limit naman eh 1 mil.

[sirheinrichcu]

lahat ng credit cards ko max out with loans pa

grabe ang buhay

[benhur0000]

Metrobank maganda. Nagiincrease ng credit limit mag isa. BDO at BPI maganda pag may bank account ka sa kanila para online transactions.

[mrbig86]

Before getting a credit card, be sure that you have self control. You can't just swipe it anytime, anywhere, on anything you want. Otherwise, mababaon ka talaga sa utang.

 

For instance back in December during the 12-12 promo ng Lazada, a news site reported that someone shopped a total of more than 1 million worth of good from Lazada. If that's how you shop (impulsive), then probably you have to stay away from credit cards.

 

For instance, BDO was offering me their platinum card with unlimited credit limit. However, I don't use credit cards, as I prefer to pay cash/debit cards. However since credit cards are safer to use online than debit cards, I decided to get their Gold instead.

 

Basta know your limits and be a responsible shopper. No one deserves the burden of thinking about how to pay their bills day in and day out.

[Colop]

any idea guys kung pano maresolve ang utang sa credit card? as far as i know yung binabayaran ko nalang e interest problem is im facing financial problem now, my worry is it will getting bigger and bigger as time goes on na sakto lang ang nababayaran ko , any suggestion mga sir?

[zener]

Kung hindi kayang bayaran ang total amount due, sana mas malaki sa minumum amount due. Kakainin lang ng interest charge mo yung minimum due na binayaran mo.

 

May iba nag ooffer na for installment ang total amount due mo.

 

The key is disiplina sa pag gamit.

[Colop]

Kung hindi kayang bayaran ang total amount due, sana mas malaki sa minumum amount due. Kakainin lang ng interest charge mo yung minimum due na binayaran mo.

 

May iba nag ooffer na for installment ang total amount due mo.

 

The key is disiplina sa pag gamit.

Im trying to do that Sir ,kaso minsan minimum lang , as my knowledge yung buong nakuha ko e nabayran na ang monthly ko na binabayaran ay interest nalang na nag accumulate, hindi ba to pwede magawan ng paraan or any thoughts about this

[zener]

Sa interest po talaga sila kumikita. Para hindi na mag patong patong ang interest try nyo po yung i-avail na gawing installment ang total amount due. May interest pa rin one time na lang para di na mag accumulate.