Credit Card Talk

[deatheater06]

19 minutes ago, tommy69 said:

high net worth ka malamang kasi boss! 

Di naman. Marunong lang magbayad sa due time.

[tommy69]

13 hours ago, deatheater06 said:

Di naman. Marunong lang magbayad sa due time.

haha. they have an idea on your income or assets before they will extend credit na now. 

[Jun_dg]

Credit cards usually have rewards points which accumulates every time you use it. 

Wen the month comes for annual fees, I simply call the hotline to waive the fees and I offer to give up some points for it. 

[Muttley09]

Request them to waive your annual fee. If they cannot allow it, then they'll suggest alternatives so you don't have to pay for it or charge it to your reward points. Sample is you have to use your credit card  for 3K to 5K on your next billing cycle.

[Keshigami]

Easiest would be. Where your pass book and atm is. Auto waive. 

 

[tommy69]

On 10/15/2021 at 6:08 AM, Keshigami said:

Easiest would be. Where your pass book and atm is. Auto waive. 

 

yes. siguro they issued a centurion card na to you sir. haha

[johnlove]

On 9/15/2021 at 4:06 PM, tommy69 said:

they didnt offer to waive it? usually the relationship manager will create a request

They used to entertain that request if transactions average 20k monthly.  But I don't think they still do that.

[johnlove]

On 10/15/2021 at 6:08 AM, Keshigami said:

Easiest would be. Where your pass book and atm is. Auto waive. 

 

But you have to beg the bank manager for it.  They would probably entertain that request if you have millions in the bank.

Edited October 17, 2021 by johnlove

[supermario115]

On 10/18/2021 at 7:42 AM, johnlove said:

They used to entertain that request if transactions average 20k monthly.  But I don't think they still do that.

They still do that at BDO.

[SuperEight]

CC is convenient, but you must be financially literate to control your purchases. 

In theory if pay all the balance before each billing cycle, no interest you will incur.

[ciformes]

Doon tayo sa no annual fees, dahil para sa emergency use pagkulang o walang dalang cash.

[kano_d_great]

i go for milage..  as long as ma settle yung bills before due dates, maraming benefits ang ma-avail..

[figaro888]

grocery and fuel rebates

but cash is still king!

 

 

[tommy69]

On 10/18/2021 at 7:42 AM, johnlove said:

They used to entertain that request if transactions average 20k monthly.  But I don't think they still do that.

yes they do. no need to beg. besides. nowadays there are cc offering lifetime no annual dues.

[Muttley09]

On 12/10/2021 at 1:56 PM, tommy69 said:

yes they do. no need to beg. besides. nowadays there are cc offering lifetime no annual dues.

Yes  quite a few are offering lifetime no annual fees like Metrobank and Citibank.