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^ sis, okay na sakin BPI promo. Sulit na rin, at least may freebie compared sa ibang banks diba?re: citibank, tama kayo... kuripot sa freebie!!i had my RCBC card cut na. Wala naman na din use since may iba akong card na i prefer to use more often.. tapos wala rin freebie so di ako na-e-enganyo gamitin lalo yung RCBC!
^usually sakin sis nawe-waive sa HSBC basta magbibigay lang sila minimum spending amount up to a certain period. ang citibank recently hirap kausapin sa waiving ng annual fee..
^sis sa MOA nakakuha ako last Saturday