Credit card inquiries, rants and raves - Thread 4

[ayami]

Yung Platinum Visa po ang napa-waive ko. 

Papaano sis may spending reqt ba or something?

[mrsB]

^Well siguro po kinonsider nila yun. Malaki kasi transactions ko sa card, ginagamit ko kasi sa business. Pero may friend ako half lang sa HSBC niya ang na-waive kasi konti lang daw ang na-swipe niya for the year. 

[ayami]

^ Ah, so wala yung condition like sa Metrobank na spend 4thou on the next cycle tapos waived na.

Sagad ko naman si HSBC. Dun kasi utilities namin Sa lahat kasi ng CC ko yun lang may online payments. Thanks

[cody23]

When I went to Europe last month, my friend and I bought something at the same store, same day. I used BPI, she used Citibank. When it was reflected in our statements BPI's rate was 1 euro = Php59 while Citibank is Php60.

HSBC exchange rate is good also. Although i think some banks hiked their foreign transaction fee.

Regarding your BPI and your friend's citibank, did you both the same type of card? (ie Mastercard, visa, jcb, etc).

[charmedwitch776]

question po:

Pano ang Billing ng Supplementary Card? Same lang ba ng sa Principal Card holder or pede ipaiba? saka pede ba ienroll online ang supplementary card? BDO CC po ako.

[mrsB]

^Isang bill lang for the principal and supplementary. Hindi pwedeng hiwalay.

[smoothie]

Mahirap na magpa-waive sa HSBC. Yung HSBC namin pinaputol kasi ayaw mag-waive ng annual.

[ayami]

Mahirap na magpa-waive sa HSBC. Yung HSBC namin pinaputol kasi ayaw mag-waive ng annual.

shocks. haha. Yun pa man din ang pinakamalaki kong CL. pambabayad ko na lang siguro yung Bonus Points kung sakali hehe. Malaki na naipon ko parang ayoko ring i-let go yung card dahil sa online facility nila

[hun_nie08]

oh. ako naman sis nakakapag pawaive ng annual fee sa HSBC. half nga lang kasi di ko ginagamit yun lately.


yung sa east west ko isang bill lang pero nakahiwalay yung sa principal at supplementary transactions.

[izabelle]

Napawaive ko in full yung annual fee ng HSBC Visa ko. Nung una ayaw nila, half lang daw, sabi ko ok cancel nalang nila kung ganon.. so ang ending, waive na nila in full.

[barbieavril]

Can someone please explain to me kung ano mangyayari with this scenario:

For example, I have a CC bill due on Oct 24 with amount of Php 8073.61.  What if I pay only half of that total due amount tapos sa Oct 30 ako ulit pay ng other half?  How much interest will it accumulate?  Thanks! 

[cody23]

^ as long as your total amount due is paid before your new statement date you should not incur any interest charges. Take note though that some credit card charge fee for multi-payment for the same billing cycle.

[barbieavril]

^ thanks sis!  I paid in full na para walang hassle. 

[barbieavril]

Hubby requested that his annual fee be waived for his Metrobank Toyota Mastercard.  Sabi ng agent, he needs to spend at least Php 6,000 before Nov. 9 para ma-waive or gamitin yung 13,000 points nya.  Eh 12,+++ points pa lang sya so kalahati lang yung pwede daw waive using 6,500 points.  Ayun, we choose to spend na lang 6k.

[smoothie]

Visa or Mastercard madali magpa-waive, yung card ko na hindi nila pinayagan ipa-waive ay yung Platinum namin.

[glacy_rein]

inis kame ng mom ko sa Php 500 charge sa Metrobank cards kapag lumampas ka sa limit mo. sabe nga namen kayo lang yata ang credit card company na hindi makagawa ng system to declined cards kapag nareach na ang maximum! kaya lagi namen tinetake note ang nagamit dito

[pinkswirls12]

nagwewaive pala ng annual fee ang Metrobank..

sa Metrobank card holders, naexperience nyo bang late ang bill nyo? 2 months na nilang ginagawa yun sa amin. yung una, pinadala sa day ng due date at itinawag pa namin yun. nitong huli, 1 month na wala pa rin. inalam na lang namin yung bill tru phone. hindi malaman kung nanadya..

[glacy_rein]

actually sis sa lahat ng CC nawewaive basta you use it regularly.. kame ng parents ko waive lagi dahil malakas kame gumamit dahil sa business

about statement nangyare sa BPI yan dati literal nagkaproblem sila kaya abot abot ang lahat ng reklamo ng clients and the charges were waived dahil fault naman nila.

in your sitch if they claim na nailalabas nila ontime, sa mismong delivery guy kana din magtanong kung anong nangyayare.. kapag naulit pa ulit always take note kung kelan dumating at anong oras at name nung nagdeliver para pag nagreklamo ka may details ka na sasabihin..

[smoothie]

^I have that problem with BPI. What I did was I enrolled my Credit card in their expressonline thing. Now I don't have to wait for my statement to pay my bill. Late kasi minsan past due date na.

[inluvewithmikewesten]

So happy that HSBC reversed my 2500 annual fee!