Credit Card Talk

[bozChips]

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[jomi_schwartz]

Citi is the best

[jasperlaguitaolegacy]

dont get credit cards. mababaon ka sa utang huhuhuh

[jasperlaguitaolegacy]

i have

 

bpi

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[Jackson45]

Wala ako nyan. Panay cash lang po

[Jeff Hardy]

Citibank Platinum

[Viola]

Zeroing out my cards. I just paid the last payment for one card. Now on to another card. In my calculations, i should be credit card debt free by october next year.

[zener]

Zeroing out my cards. I just paid the last payment for one card. Now on to another card. In my calculations, i should be credit card debt free by october next year.

 

road to financial freedom

[tints97]

This pandemic really costed me so much on my credit card.... from paycut to retrenchment... if there was no pandemic, i could have zeroed my credit this year... but i guess, He has other plans for me....i am only paying minimum since April and finance charges is outweighing my consumption...

 

any tips masters?

[kawawangpinoy]

i learned my lesson when my finance charges reached a thousand pesos per billing cycle. i took the cc out of my wallet and practices cash only transactions until all my debts were paid. took a while but i finally paid it off.  afterwards i always settled the entire amount instead of just the minimum due. no more finance charges since then. discipline needed.  now the only additional charge i pay is the annual due. and i saved on that by securing cc's with no annual fee. 

[gcz79]

On 8/21/2021 at 6:00 PM, kawawangpinoy said:

i learned my lesson when my finance charges reached a thousand pesos per billing cycle. i took the cc out of my wallet and practices cash only transactions until all my debts were paid. took a while but i finally paid it off.  afterwards i always settled the entire amount instead of just the minimum due. no more finance charges since then. discipline needed.  now the only additional charge i pay is the annual due. and i saved on that by securing cc's with no annual fee. 

Credit card is so convenient, so i kinda understand that it you can get carried away. I currently have 2, but only using 1. I have been paying in full every monthly billing statement never the minimum because the interest is damn high. Right i now i can still afford it but i am worried since i made installments on some purchases using my credit card. I just worried that i might keep making installments if i don't keep track of it 

[francis_0170]

Cancelling my RCBC at BDO CC dahil sa annual membership fee. At sobrang tumaas ang required purchase nila para lang ma-waived nila.

Keeping my Citi at BPI CC kase free for life na annual fee.

[tommy69]

bdo visa has a 3 day 10 percent discount on purchases starting today. minimum purchase of 2000. max accumulated discount  5000