Credit Card - Thread 2

[abbeydasassy]

first time ko ma late payment last 30th ng december nakaligtaan ko tapos nakapag bayad ako 31 although holiday i paid through my online banking. my question is machacharge pa rin bako ng late payment kahit 1 day lang

[smoothie]

^depends on the bank sis. I'm not sure kung real time pag online banking but like Metrobank, usually okay lang sa kanila pag 1 day late ka.

[abbeydasassy]

thanks sis!

[px17]

mga sis. Ang BDO ba tumatawag nalang thru phone/cellphone to confirm if you want to avail their CC? Last Friday kasi may tumawag sakin from BDO head office. COnfirming if I want to avail shopmore. I said yes and confirmed my details. First time ko kasi tsaka hindi naman ako nagapply. Sabi isesend nalang dito sa house.

Ganon ba talaga sa BDO?  wala man lang sulat or email?

[whitesheep]

Planning to get a credit card. What bank offers the best rate and package and freebies?

[hornboy]

Citibank now Offers a Free For life Annual Fee promo . . .

[smoothie]

^tapos na. Hanggang Dec. lang daw

Pasok nga ako kaso hanggang ngayon hindi ko pa nakukuha card ko ^_^;; hindi daw ma deliver ng courier which is impossible kasi laging may guard sa office ko.

[whitesheep]

Citibank now Offers a Free For life Annual Fee promo . . .

Sayang!! OK sana citibank.

[px17]

Yesterday I got my bdo cc. Hit or miss talaga ang bdo when it comes to cc. I have 1 account sakanila hindi ko siya namaintain at certain amount (minsan nauubos ko pa) pero monthly may pumapasok na laman.

Kaya nagulat ako nung qualified ako for cc without even applying.

[px17]

^try mo tumawag sa cs. follow up mo. Sakin kasi may tumawag ng dec kaso wala ako sa house. Tas this January ko lang nakausap. After 2 weeks andito na yung card ko. Ang bilis lang.

[friendlyneighbor]

I avail the free for life din ng citibank last oct pa. The agent told me na free annual fee for life, perotumawag ako kahapon di naman maconfirm ni agent , I was worried lang kasi ayokong kumuha kung di free for life. Meron na kasi ako kay bpi. Paano ba malaman kung free for life yung cc.

[smoothie]

^Oct. - Dec. 2013 ang duration nung free for life. Sa akin nung tumawag ako to ask, alam niya na free for life ang cc ko.

[cessy_may08]

Masama ang loob ko sa Citibank! Paiba iba sila ng features ng Cash back card nila. Kaya nga ako nag-avail nun kasi the best cc siya for supermarket purchases. yung 2% na fixed rebates before e mababago na. starting feb 20 magiging 0.20% na lang kapag hindi nareach yung 10k na spendings aside from meralco and supermarket. Parang nanloloko sila! after ng cut off ko this feb 15 i will not use muna my citi cash back card until hindi nila ibalik or baguhin yung features na iimplement starting feb 20.  Since free for life naman ang annual fee ko sa kanila, dun muna siya tatambay sa closet ko! hahahaha.. buti na lang i still have my ever reliable na amex. Im planning to apply cc from eastwest or bpi soon!

[mxherr5]

I know..I've been wanting to apply since forever
Then nagka free for life promo.. ang saya ko, laki
ng rebates compared sa BDO rewards.

Hay, tapos ngayon magiging halos same nalang sila.
Pero at least naka earn ako ng halos 2k in rebates
in 2 months.

D*mn! grabe..sayang talaga.

[chicafabulosa]

Laki ng binaba ng rebates buti na lang at least i earned 6k na sa rebates. Bakit kaya binago pa nila. Kainis naman

[yang]

with bdo reewards ba kelangan single receipt lang yun 1500 o pwede accumulated?

[friendlyneighbor]

^Oct. - Dec. 2013 ang duration nung free for life. Sa akin nung tumawag ako to ask, alam niya na free for life ang cc ko.

Thanks sis.

[snix]

Ako na,an apat na credit card ko from bdo.. Kakapadala lang ng isa last month,, yung tatlo mga preapproved din.. Hit and miss talaga sila kasi ngayon ang minamaintain ko na lang sa kanila is cash card wala nako savings account sa kanila tas binigyan pa ko additional na card.

Im just wondering kung pwede ipacut ko na yung tatlo tapos combine na lang lahat ng credit limiti nto one. Ang hirap kasi kapag dating sa annual fees ang laki ng babayaran ko. Though i think i can have it waived kung frequent user naman ako? Tama ba?

[smoothie]

If good payer, malaking chance na ma-cut. Takot lang nila. Hehe.

Just like yesterday, dumating na yung bill ko sa BPI and may annual fee na. So tumawag ako para ipa-reverse ko ang sinabi sa akin wait ko na lang yung text message from BPI kung approved or not. So nung gabi, tinext na ako, disapproved ang annual fee reversal ko.

Tumawag ako agad to tell them na since hindi nila inapprove yung reversal pa-cut ko na lang. Sabi nung kausap ko, check niya kung magagawan niya ng paraan. Ayun wala pang 5 minutes, approved na yung reversal. Hehe.

Sayang din yung 2,000 na annual fee noh.

[chicafabulosa]

@snix

You need to call them and tell them you dont need yung other cards as for combining yung credit limit i doubt that is allowed according to them. Kasi sa akin ganyan rin, 2 cards and i told them i will be cutting yung isa if they can just transfer yung credit limit dun sa unang binigay nila, they said di daw pwede so ayun tyaga na lang ako liit ng credit limit nung unang card nila.