You will get a lot of not-applied for credit cards if your credit card history is good.
I always pay my due bill in full, all the time, on time.
So I never apply for a credit card. They send me. It is usually the bank managers who bring it to us.
So tama kayo dyan.
I never pay for annual fees too. Hello.
I do not think it is all because I use it a lot. IMO, it is because my credit history (which nasisilip ng other credit card issuers) is good. I think it does not matter if I charge only 5thou a month or 50thou -- Basta you pay in full on time, they will send you free cards, zero fees. That is as far as I know.
But I do not accept every card that comes my way.
But I keep all extension cards my hubby sends my way, , Lolz.
I will not also carry a card that has a low/medium credit limit.
Hindi sa yabz Ko kelangan Platinum - but kasi I refuse to have an ATM acct/card. SO kelangan, my credit cards can absorb any emergency or moment of madness .
I like the Union Bank & Bank of Commerce cards. Both cards lays accepted abroad - kahit na magkano.
The 1st always texts me to confirm transactions - even if I am abroad. But never sila nag hang approval of any purchase of mine.
I like BOC - it allows me to pay my US charges in US$.
I gave back the renewal card BPI sent me, coz:
conversion rate of $ to Pesos mahal.
It has been politely refused by cashiers a few times abroad - embarrassing. Call my bank daw, it appears so. Parang Ako pa may atraso?!
Pag 20thou charge mo -- "call bank" appears - kausapin ko pa. - I find that embarrassing.
At 1st, the renewal card sent was a downgrade kasi daw hindi ko max use. Sabi ng accountant ko -- keep your card. LOlz, BPI sent another/the better card. Pero yoko na
Atchaka due date na wala pa statement! Lagi hinahabol ng accountant ko. Yoko ganon.
So, for those who want higher limit cards, tip yan. Build up just 1 card lang muna & take care of your credit/payment history there. After a year, sigurado upgraded your card limit. At sigurado, bwisitin ka ng other issuers with free cards.