all about credit cards-thread 4

[roxybrat]

^hi sis.. Galing na ako kanina sa bpi branch.. Mabilis lang din pala parang nag avail ka installment sa store. I mean kukunin un card mo tapos d ba usually kapag gamit card pambayad swipe tapos parang insert dun sa pinag swipan. (Sorry di o alam tawag dun) ganun ginawa e tapos sign mo din un bank copy tapos bigay sau un copy mo. Ganun lang.. Need lang un latest statement ng bdo ko. Tapos ok na.. Ipapasok na lang nila un amount na need ko sa bpi savings account ko tapos ako pala magbabayad sa bdo.. Sabi by tomorrow after 6pm check ko daw savings account ko kung pumasok na un money..

[happynlove]

Yey successful ako ipawaive yung annual fee.. bdo cc. I was put on hold for about 2 minutes then approved na.

[Queen Chokolah]

Yes, medyo hassle pumunta sa BPI everytime you do the Balance Transfers and credit to cash. However, bawi naman sila sa bilis ng turnaround time. Today mo inapply, tomorrow before 6pm may payment na (or credit to account). Helpful especially kung naghahabol ka ng due date. Unlike with other banks, take Eastwest for instance, through phone nga, hassle free, but they need 5-7 days to process that. I use both, but I still prefer BPI kasi mabilis. Tutal nagkalat naman ang mga BPI branches ngayon. But do note na hindi lahat ng branches may card terminal (sis yung sinasabi mo na sina swipe-an hehe), kaya pag ganun, medyo mas matagal, 3 banking days ata. Pero most branches naman na meron.

[msals2007]

Whats the lowest interest rate now for balance transfer? May bababa pa ba sa Metrobank? Metrobank is 0.68%, Eastwest is 0.70%.

[pret_ty68]

May nakapag pa waive pa ba nang full annual fee sa citibank this year? Half na lang daw kasi ang puwede nila i waive.

[charmed_gal]

decline ako sa citibank 

[samtorini]

^Half lang din ang na waive sa akin sa Citibank. Balak ko kapag tapos ko na bayaran loan ko, ipapa-ancel ko na credit card ko

[babythug28]

just called BDO and ok naman sa pagwaive ng annual fee ko sana same din sa citibank. medyo frustrating pati yung citibank kasi hindi pala pwede yung CashBack points sa SM Dept. Store. sa appliance center lang pwedeng gamitin.

[happynlove]

buti nalang di na natuloy application k sa Citibank. I received 2 missed calls 2 days ago. half nalang pala nawwaive saknila ngayon.

[pret_ty68]

^^
Akala ko itatawag mo lang pag mag re redeem ka nang cash back points tapos i de deduct nila sa bill mo? Bakit namimili pa sila kung sa department store or appliance center? Hindi ko pa kasi na try mag redeem pina pa accumulate ko muna.

^
Half na nga lang raw ang policy nila. Kung babayaran raw yung full amount nang annual fee bibigyan daw nang worth 3k na service nang picture company sabi ko hindi naman ako mahilig mag pa picture sa studio kaya yung half na lang ang pinili ko.

[imeego]

What? this month ko pa naman plan tumawag sa citibank para magpawaive ng annual fee, first time ever ko pa naman sana magrequest na iwaive tapos half na lang pala? 10 yrs na ata card ko and yearly bayad ko ng full amt...ang malas ko naman huhuhu

[Xade]

Just had my annual fee reversed sa bdo card ko. I was surprised kasi last year kailangan ko pa mag swipe ng 6k ata yun kaya nagulat din ako nung sabi sakin ok na daw, ignore ko nalang daw yung AF sa bill ko ibawas ko nalang sa full amount. Nagtataka lang din ako wala namang nagbago sa paggamit ko ng CC eh same lang naman, I use it for monthly groceries lang...

[missreese]

di approved yung BPI annual fee reversal ko... 2nd year ko bale to.. First ko magbayad ng annual fee. Ganun ba talaga?

[missreese]

yung pag waive nila sa bpi ba.. is based sa credit limit at kung gano kadalas gamitin? i have gold mastercard... malaki yung credit limit nya eh bilang sa daliri ko nung ginamit ko yun.

isa pa.. may dues pa ako sa bdo sobrang tagal na... nagsend sila last year nung parang amnesty program ata nila yun. possible pa ba maka avail ulet ng ganun?

[kittycat228]

may cc pa bang lifetime na waive ang annual fee?

[traveltechie]

i've been a Citibank cardholder for 4 years now. Never paid annual fees for my cash back card - based on my experience, I think you just have to charge a total of 180k for the year tapos automatic na mawawaive yung annual fee. nakikita ko may napopost na annual fee then after 2-3 days siguro may mapopost naman na annual fee waived na transaction

[babythug28]

^^ sis depende ata how often you use your credit card or total charges you had for the year. 3 years na ko with BPI, never pa kong nagbayad ng annual fee. 1st yr is free right. tapos 2nd walang naging charge. 3rd naman waived.

[mama squeak!]

^Meron. BPI and Citibank cards. Supplementary card of my BPI MC and principal/supplementary cards of my Citibank (both Visa and MC).

[MariaMakiling]

di approved yung BPI annual fee reversal ko... 2nd year ko bale to.. First ko magbayad ng annual fee. Ganun ba talaga?

Di ka ba inofferan at least 50%off sa annual fee mo,pagkakaalam ko BPI and BDO same sila style sa af,
other banks naman may mga offer para sa fully reversal ng af like availing cash loan (credit to cash,call for cash, etc), balance transfer or enroll a utility, iba naman may spending requirements like spend 5k within 30days period maraming options, pero ang bad news is medyo nawawala na mga options na mga yun like sa Citi pahirapan na ngayon sa af not unless big spender ka talaga

[samtorini]

Citibank sis, half na lang na-waive sa akin. BPI waived full annual fee.

Between the two, I prefer BPI and mas satisfied ako sa service nila.