Credit Card - Thread 2

[babythug28]

^ sorry haha! nakakaconfuse kasi yung nick mo >.<

[chubzkittinz]

ako din my disconnected line sa smart pero i got cc pa rin..

[telekikay]

^ah baka nga in between banks lang usapan sa default loans.  wala ng access ang banks sa telco or other utilities.  pero mahirap pa din meron outstanding loans sa banks, kasi pag kelangan mo in the future like housing loan, unang tinitingnan ang credit card. madali lang kasi silipin yan kung may bad record ang client.

[j.adore]

Madami naman promos ang Metrobank

[telekikay]

abbeydasassy,

j.adore is right, madaming promos si metro. nasa top 5 card issuers sila plus mababa balance transfer rate nila.  problem lang kay metro, kelangan sa metro or ps bank branch mo sila babayaran unlike other banks na meron sa mga bayad center so you can pay on weekends and holidays.

kaya sa mobile ang tawag kasi mas immediate ang response. sa panahon ngayon, laging hindi nakakausap pag sa landline lalo na pag bahay.  ingat ka lang, kasi kadalasan agency mga yan, hindi talaga sila metrobank or whichever bank they clain they're with. naka outsource most of the time ang telemarketers nila. kaya pag nag aapply ako, gusto ko sa bank mismo o sa mga kiosks, may freebies pa.

[kittycat228]

sa landmark at sm pwede magbayad ng metrobank cc

[Mlabable]

^I think LBC pwede na uli payment for Metrobank.

[telekikay]

sa landmark at sm pwede magbayad ng metrobank cc

sm dept stores? no they dont, selected credit cards only. baka landmark pwede, but not sure.

[Lianne@TheWiseLiving]

Hi mga sis,

Usually in credit cards, which rewards do you prefer? Reward points, rebates, or airline miles?

[telekikay]

Thanks Guys!

I agreed na for the card sana maging maayos sila saken. hehe

mukhang un payment option lang ang problem if dapat sa bank  lang pwede since malayo ang landmark and sm sa house namin.

kung malayo ang payment centers.banks sa bahay ninyo, eto pwede mo gawin.
1. check mo sa current bank mo (kung saan kay may account) if they accept  payment for you credit card.  (kung may payroll account ka, pwede din dun)
2. if they do, ask mo if pwede mo bayadan na lang online versus your CA/SA account.
3. enroll mo na yun CA/SA account mo saka yun credit card mo sa online banking nila.
4. pay your bills via online banking.

hindi na ka na pupunta sa bank or payment center hehe

[telekikay]

Hi mga sis,

Usually in credit cards, which rewards do you prefer? Reward points, rebates, or airline miles?

depends on your requirement eh. i prefer points, kasi sobrang laki ng kekelanganin sa miles saka alam ko ibang cards, pag na convert na sa miles, hindi na pwede ibalik sa points.  ako kasi binabayad ko yun points sa annual fee. 

i think rebate is different tulad ng citibank cashback, rebate meron pero walang points/miles. ang drawback lang nito eh...mahal ang annual fee P2,800.

[msals2007]

sa landmark at sm pwede magbayad ng metrobank cc

SM is already accepting payment for Metrobank credit cards pati BPI cards. Few months ago lang.

[telekikay]

SM is already accepting payment for Metrobank credit cards pati BPI cards. Few months ago lang.

i just checked metrobanks's website. meron na nga, i need this as well hehe thanks for the info!

eto yun link btw mga sis.
https://www.metrobankcard.com/services/billslocator.aspx

[artificialstar]

thanks for your opinions girls and guys. i've decided to pay na rin sa sun para may peace of mind ako when i apply for credit card. sana ma-approve

[TowBerryBlue]

I had an issue with BDO. May utang ako sa credit card ko last 2008 and I opened an account sa BDO last January. Ito nangyari, bigla na lang silang nag de-deduct ng pera ko sa savings account without my knowledge. I called BDO's collection's agency and sabi nila, refer to the terms and agreement ng credit card.

For me kasi bakit I wasn't informed. bigla na lang kumuha sila just like that. Can they do that? Isn't that against the law?

[babythug28]

^ i think Metrobank ganyan din nangyari sa SIL ko. though sa kanya naman nakahold lang yung savings account nya kasi nagkaron sha ng utang sa Metrobank CC nya before. have you checked yung fine prints ng BDO cc sis? may utang din parents ko sa BDO pero never pang nangyari yan.

[telekikay]

babythug28 ,
ano yun SIL?

TowBerryBlue,
tama si babythug, check T&C muna. lam mo naman tayo, hindi talaga nagbabasa ng T&C lolz! guilty din ako dyan. pero most likely, nakalagay yan, otherwise the bank will not do such action that will put them in deep trouble.

[j.adore]

Ano exactly nakalagay sa terms and conditions?

[Annie M.]

babythug28 ,
ano yun SIL?

sister in law

[telekikay]

tama si j.adore, na curious din ako kung ano sinasabi. have the bank point it out. lugi ka naman kung walang ganun provision sa T&C.