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so is the payment ng annual fee ba binabayad sa start of the year? i can call naman ang have it cancelled after the first year diba?
Yes you can. So make sure lang na wala kang pending installments sa CC mo pag dumating yung day na yun kasi mahihirapan ka icancel dahil kailangan mo bayaran din agad. At least alam mo so prepared ka.BTW, nung inapply sa akin yung CC, june yun, pero around late september na dumating. So less than a year mo talaga magagamit. June pa din ang considered na next fiscal year so be warned lang.