Credit Card - Thread 2

[babythug28]

which CC is ideal for use abroad? sabi nila nagkakatalo daw sa conversion ng currency?

[purplegravity]

Citibank  and HSBC. Minsan depende din kung saang country.  Ideally you should bring a visa and mastercard.

[shinta]

we're good payor naman. we always pay in full every month. what i meant by outstanding balance is yung current bill namin for that month at di pa naman lagpas sa due date.

[purplegravity]

^Thats great. If they dont want to reverse, close your card. Its easy now to apply for a new credit card.

[shinta]

^ sis, binayaran na ni hubby in full yung bill last month including the annual fee. yung 50% reversal will reflect on this month's billing. i'm looking for strategies sana na ma-waived 100% annual fee ng BPI next time. wala akong problema sa pag-apply ng bagong cc, but hubby is my extension. hirap siyang ma-approve as principal cc holder kasi work at home ang nature ng job namin and wala pa siyang previous cc before this. BPI kasi offers no annual fee for the first extension kaya preferred ko siya. sa ibang cc ko, may separate annual fee pa ang mga supplementary cards.

[telekikay]

which CC is ideal for use abroad? sabi nila nagkakatalo daw sa conversion ng currency?

as long as it has VISA, MC, JCB, Amex ore Union Pay logo, its good to use outside of country.  i prefer Visa and MC kasi hindi sila choosy.

[pink_saphire]

ang BPI mahigpit pagdating sa pag approved din ng CC. kay BDO n nga lang ako,.

meron sa akin dumating na american express card, actually march pa yun, kaya lang, ngayon ko lang sana siya gusto i activate, ang problem ko naman, sa march din yung ika 1 year ng card ko,, so magbbyad na ako ng membership fee. kaya parang nghinayang ako. though madali naman magpareverse sa kanila, still subject for approval. eh imagine ngyon oct. ko lang mgagamit CC ko den by march may annual fee mng darating sa akin.

[lady_avoidant]

yung promo ng citibank na no annual fee for life e exclusive nga lang talaga sa mga existing credit card holder ano..

[shinta]

^no sis, ang alam ko nga for new cc holders yun. I was able to get one, actually two cc, combined limit. May nakikita pa din ako sa mga malls na nag-aalok nito.

BPI also has a no annual fee for life promo. Medyo recent lang ata ito. Nag-apply si hubby, sana maapprove siya para pwede ko na pa-cut BPI cc ko.

[purplegravity]

yung promo ng citibank na no annual fee for life e exclusive nga lang talaga sa mga existing credit card holder ano..

Not for existing, even new applicants pwede.

[pink_saphire]

ay sayang yung sa citibank, sana pala nag apply ako nung nakita ko.

[smoothie]

Sorry for the late reply...

Sis Shinta: As long as wala kang installment or utang with the bank, madaling mag-request ng 100% waived. Kung yung sinasabi mo ay yung pending dun sa month and yung sa lagpas na due date, yes. you will have to pay all para ma-cut ang card. Tapos ang style naman ng bank dyan, papabayarin ka muna sa lahat ng pending tapos pag nag follow-up ka na paputol na yung card sabay reversed na yan. hehe!

Alam mo nagkaroon din ng time na parang 6-8 months ata na hindi ko nabayaran yung BPI CC ko. so after 8 months binayaran ko in full. Pero since bago ako ma-charge ng annual fee ko, napa-waive ko parin siya.

*For abroad or online purchases abroad, BPI pinakamababang conversion. Citibank daw ang mataas.

*Sa Citibank promo, I think pag online ka nag-apply. Free for life din ako sa stall ako nag-apply.
May conditions ata yun, Dapat p180,000 ang purchase mo for 1 yr. Pero mautak si Citibank, 3rd month ko binigyan ako ng 2 card na shared CL para mahati ang purchases ko. Haha! Hindi ko na tuloy gamit yung free for life ko.

[shinta]

^ thanks sis. Try ko yan next time. Pero may condition ba talaga yung no annual for life ng Citibank? Di ko na kasi binasa yung TOC. Grabe naman. Akala ko no annual fee na talaga. Tumawag pa ako dati sa hotline nila to confirm, wala namang nabanggit yung CS sakin na ganun. Basta sabi lang niya no annual fee for life cc ko. 2 din binigay nila sakin.

[smoothie]

I think na yun nga, you need to spend P180,000/yr to para ma-waive. Nasa website nila.

[ikaela]

^P18,000/year lang, sis, nasobrahan ng isang zero. Very doable yung eighteen thousand within one year.

"...a one-time or accumulated purchase of P18,000 per year are required in order to avail of the promo."

I-a-apply ko parents ko nung Citibank Mercury Drug card at grabe sila gumastos sa Mercury! Walang kwenta yung pagka-platinum ng credit cards nila, hindi nagagamit yung perks. Buti pa yung rebate cards ng Citibank, masusulit pa yung features.

[shinta]

Nakita ko na sis, 18,000/yr one-time or accumulated purchase. And kailangan enrolled din daw sa electronic statement within 60 days for the date of issuance. Here's the link: https://www.citibank.com.ph/gcb/promos/cards/08_ffl-free-annual-fees-for-life.htm?icid=PHNAU36ENHOMEHB01.

Ok na din, 18k/year is easy enough to maintain. Baka ipa-cut ko na lang yung isang cc na ini-issue nila. Thanks for bringing this up. Di naman kasi in-explain nung agent na may ganito pa lang condition.

[j.adore]

I never liked haggling for the annual fees kaya mas ok sa akin yung gamitin nalang ang points. I was actually happy na meron ganon. Besides, masyado malaki ang points na kailangan dun sa mga gusto kong items sa catalogue nila

[smoothie]

^^madali lang ang 18k...ilang grocery lang yan. hehe!

^sayang din naman kasi yung points. yung points ko pinapa convert ko na lang ng gift certificates.

[nicola_juliano]

Sisses, sa tingin nyo, pwede kaya 2 receipts same store pero different ang i-claim ko for BDO? ONe is bench GC and one is SM GC? Parang wala ako nakitang ganito na hindi pwede sa terms ng BDO:

"For multiple slips generated from the same store or establishment made within the same day, only one qualified charge slip will be accepted for redemption per Cardholder even if he has more than one qualified BDO Credit Card. Remaining charge slips will not be accepted. The cost of the treat redeemed through the use of the remaining charge slips shall be charged to the Cardholder’s BDO Credit Card."

[smoothie]

Baka hindi kasi lugi silang dun. Alam mo naman mga cc companies ayaw na nalulugi. hehe