all about credit cards-thread 4

[Queen Chokolah]

Love ko na ang BPI card ko! Sobrang useful lalo na pag needed for emergency purposes and hindi naman pala sobra ang laki ng interest sa credit to cash. Napaka gaan bayaran.

Agree. installment pa. Unlike Cash Advance na nakakatakot gamitin sa laki ng charges. hahaha

[kristinebarrios]

Love ko na ang BPI card ko! Sobrang useful lalo na pag needed for emergency purposes and hindi naman pala sobra ang laki ng interest sa credit to cash. Napaka gaan bayaran.

True! Love ko din BPI for their low rates. hehe

[babythug28]

kaya pala wala ng feed sa kin thread 3 na pala about credit card hehe. thanks for all the inputs sissies

[m_lim]

Hay nako ang daya ng Citibank Premier Miles.

may limit na tig 20t lang kapag charge mo ang Meralco/ PLDt/ Maynilad. eh each utility, 50t minimum ang binabayaran ko. kainis!

ano pa bang cards ang nag eearn ng miles maski utilities ang ccharge mo? at yung pwede ka magbayad online?

Allied Bank-PNB kasi hindi daw nageern ng miles kapag utilities.

Standard Chartered naman, walang online payment.

BPI naman, declined ako sa Skymiles card.

[kittycat228]

wala na bang annual fees for life ang citibank ngayon?

[missreese]

sis question.. pwede ba magpa waive ng annual fee kahit bago pa lang?
di ba 1st year free annual fee? april 2014 ko nakuha card ko tas ngayon april 2015 may nakalagay na membership fee?

iniisip kong ipa downgrade from gold to blue card na lang yung BPI ko. pwede ba yun?

[happynlove]

Okay ba pangcomplete replacement Visa sa Mastercard?

[michipoo]

Just got my first cc from security bank. Okay din ba ang security bank cc mga sis?

[kristinebarrios]

^I seldom or not even hear promotions from Security bank Cards. But I guess it's a stepping stone. Pag naka 1 year ka na apply ka ng ibang cards na lang. Mas maganda kasi kung if you get most out of your CC like freebies diba

[charmed_gal]

nag apply ako citibank cc online, tinawagan ako after 3 days pero hindi ko na accomodate tawag nila dahil nasa meeting ako.. sana tumawag ulet kase gusto ko talaga ng citibank.

[michipoo]

Anyone here tried security bank's chargelight feature?

[Queen Chokolah]

sis question.. pwede ba magpa waive ng annual fee kahit bago pa lang?
di ba 1st year free annual fee? april 2014 ko nakuha card ko tas ngayon april 2015 may nakalagay na membership fee?

iniisip kong ipa downgrade from gold to blue card na lang yung BPI ko. pwede ba yun?

yes you can. Just call the bank and ask to waive the annual fee. Usually kung madalas mo gamit nagwe-waive sila. Or kelangan mo gamitin ng ganitong amount, ganyan.

I don't know about downgrading though. Magpapa waive na lang ako kesa magpa downgrade kung ako. hehe

[nicoletta]

I love citibank premiere miles, since it's platinum, I can use it for miascor lounge, and it earns points for future vacations   Hindi nga lang ako ang principal so they always text and inform my husband when there is a new purchase.  Funny thing is I can do whatever I want naman, they really don't need to inform my husband about my purchases.

[heartfortress]

Yesterday when i was at robinson's, a lady approached me if i have any credit card and i said none kasi wala naman talaga lol then she asked me if i wanted one from metrobank so i said ok. Nababasa ko kasi na yung iba hirap daw makakuha ng 1st cc kaya i grabbed na what the lady offered. Hindi naman sya mukang modus hehe. the only requirement she asked is my prc id kaya pinakita ko and she took a picture of it. Then she asked me mga personal info, the usual na tinatanong lang naman. I have to wait for 2-3 weeks daw for approval. this is the first cc ko if ever hehe. Kung maapprove thank you, kung hindi ok lang. Never ako nag apply for cc before kasi for me temptation yan at mahirap na baka hindi ko macontrol. Minsan naman naiisip ko pag may emergency makakatulong ang cc sa mga pagkakataong kelangan mo nito.

[Queen Chokolah]

^Agree sis, helpful sya sa emergencies. Kahit medical. Most hospitals ngayon tumatanggap na ng credit card. And it's more of convenience na din. Easier to purchase travel tickets kahit wala ka pang cash at the moment, easier to buy online.

[drowningpanda]

Yung shop anywhere promo ng BPI pwede ba kahit hindi ako yung mag-claim basta ibigay ko na lang yung coupon sa iba?

[j.adore]

Yes nakapagpabili na ako sa iba since they don't need the actual card as reference anymore.

[drowningpanda]

Ah okay mabuti naman. Bigay ko na lang sa tatay ko^^

[roxybrat]

Mga sis ask ko lang about balance transfer.. Balak ko kc i-balance transfer un nasa bdo visa card ko to bpi cc.. If magpapa transfer ako pupunta ko sa bpi branch pero need ko rin ba punta sa bdo? Kung ma approve man un balance transfer ko ma-cclosed ba un bdo cc ko? Thanks

[msals2007]

For BPI balance transfer kelangan pa talagang magpunta sa branch? Ang hassle naman. Usually by phone lang application niyan sa iba.

No you don't have to go to BDO. And di rin automatic magkoclose ang BDO account mo kahit itransfer mo na buong balance mo sa BPI.