all about credit cards-thread 5

[j.adore]

Sa mga sign-up promo meron but not that frequent yun

Not sure if meron BPI ngayon.. tapos na yata?

[ayami]

Meron bang credit card na walang annual fee? Napaka mahal kasi ng annual fee sa RCBC, 3000.

PS Bank Credit Card nakita ko sa FB kanina. And also, Chinabank free for life promo. Yung Citibank Rewards meron rin yata. PNB katatapos lang nung March.

[smoothie]

Ang bait ng HSBC, hindi ako pinahirapan at waived in full ang annual fee ko. The catch, it will reflected on my next billing pa. So need ko pa check talaga kung talagang waived or else. Cut! Ang mahal ng annual fee ko. Sayang din yun.

[lakwatsa]

^oo ganun talaga kaya bayaran mo muna kasi magkakainterest yan pag lumampas sa due date hehe

[theamazinganna]

Help please -- those na may Citi rewards card... I already have BPI and Metrobank cards, pero I was given a Citi Rewards card. I just received the text na it will be delivered to my house. This is free for life daw, but I don't know what the terms are. May minimum spend ba to qualify for the free for life?

And also kung magbayad ng Citi Rewards card through BPI online, real time credit ba yun so I can just pay on the due date itself or should I pay a few days ahead?

[chicafabulosa]

@theamazinganna, I can answer yung sa payment lang sis, you better ask BPI if they have actual or the next day credit of your payment. Since from what I know, Chinabank has a next day credit. I pay through BDO and it's 3 banking days. So I am not sure if BPI has the same too.

I also have Citi, different nga lang. Once you receive the card, you can try calling their customer care. They are knowledgable naman compared to other bank CS nakausap ko.

Hope this helps, kahit kaunti...

[mama squeak!]

^^re Citi rewards, no minimum spend. You just have to use it a few times in a year otherwise they will de-activate the card. Yung sa akin mga two to three times a year ko lang nagagamit since mas prefer ko gamitin my other two cards with Citibank kasi mas malaki points nakukuha ko.

Re payment thru BPI, usually 1-3 banking days mare-reflect payment mo.

[twinxz]

paano po ma-check na free for life ang Citi Rewards Card? I read kasi sa website na meron pa din annual fee but you can use your points to pay the annual fee.

[chicafabulosa]

Uhi sis twinz, i think this free for life is offered nila from time to time.... From this date up to certain date yata. Here's a catch lang, I've read one of our sissies here applied for that free for life however yung sa kanya on her first year ng card nagulat yata may charge na annual fee. So when she called up, sabi kasi nung na approve yung card tapos na yung promo. So ayun, pinacut yata nya yung kanya

[theamazinganna]

Thanks! So if my due date is lets say every 10th of the month, and i pay via BPI online on the 10th will that be considered late payment? Will i be charged a penalty?

[j.adore]

BPI to BPI sometimes I'm late a day or 2 after deadline but no charges naman. I pay in full though.

[smoothie]

The Rewards card is free for life. Wala naman required min. amount to spend pero safe to say na dapat gamitin mo from time to time.

[angelholics]

nakapag pa waive ako ng annual fee sa citibank hehe for the first time

[theamazinganna]

BPI to BPI sometimes I'm late a day or 2 after deadline but no charges naman. I pay in full though.

For my BPI card din I always pay in full and always before due date, never had a problem. For my metrobank naman, I always pay on the day of sa Metrobank over the counter, but that's cash payment so real time credit sya. If check payment dapat daw a few days before due date para mag clear sya. Pero I am not familiar kasi with Citibank cards. I was planning to enroll the citi rewards card sa BPI express online account ko to make it easy for me to pay kaya lang not sure if they need 2-3 days lead time if payment is via BPI online.

[smoothie]

I use Metrophone to pay for my HSBC & Citibank CC's. Sa BPI naman OTC.

[theamazinganna]

Another question for those with Citi rewards, how do i know my due date?? nakalagay lang is my statement date. :-/

[BacMook]

Uhi sis twinz, i think this free for life is offered nila from time to time.... From this date up to certain date yata. Here's a catch lang, I've read one of our sissies here applied for that free for life however yung sa kanya on her first year ng card nagulat yata may charge na annual fee. So when she called up, sabi kasi nung na approve yung card tapos na yung promo. So ayun, pinacut yata nya yung kanya

Ako ata to sis!  Haha. Di ko pina-cut. Winaive naman nila eh. Dapat lagi nila iwawaive or else papacut ko talaga.

theamazinganna
Sis sa upper right corner ng Billing Statement, nakabox sya:
Card Number
Statement Date
Payment Due Date
Total Amount due
Minimum Amount Due
Overlimit Amount

[smoothie]

^^Worth it naman sis. Okay din siya if you use it abroad kasi mababa ang exchange rate niya. Sa promos naman, nasulit ko narin
kasi nung nag sign-up ako ang promo naman nun ay free trip to HK basta gumastos ng 10k, via Cathay pa yun.

[smoothie]

^3.50%

[kittycat228]

10k lang ang gagastusin sis para sa free hobgkong trip?