all about credit cards-thread 5

[lonely_dad]

generous lang magbigay ng items ang bpi (madalas meron sila sa chowking and jollibee)
bdo din ok magbigay ng items (most of the time sa waltermart supermarket)

[ayami]

^BDO may spend anywhere promos rin GC madalas

Napa-waive ko ang Citibank Premiere Miles ko kaninang umaga hahaha mukhang kailangang ilaban mo lang talaga ang decision to "cut the card". Security Bank lang talaga bumitaw sa akin.

RCBC free for life sila now, pero may 5K spend upon approval.

[baby_chichay]

citi mobile tells me now i have 2 new cards from them. cash back and mercury. i did not ask for those cards. i remember them offering the shell card. then they're giving me cards na iba. crazy. question, can i just cancel the 2 cards or at least one card? sayang AF kasi.

[plumpolka]

^ yes pwede. pag di mo naman in-activate, considered as cancelled na sya. but you can call them na lang din para sure.

[Romans828]

A bit dissapointed with BDO, they declined my request for increase in credit limit. I've been a loyal user of the BDO installment card for 2 years and never once did I miss out payment or paid below the total amount due. I was never charged finance charge and paid always on time. When I asked the customer officer the reason, they say the reason was not provided so they can't tell.
Has anyone experienced this before? I love the leniency in their billing cut off pa naman and their rates for installment loans are really low, kaso because of this I'm thinking of cutting this card.
Buti pa si Metrobank, they always increase my credit limit even though I did not ask for it.

[lonely_dad]

^generous nga magbigay ng increase si metrobank kahit di mo irequest

Post modified. Please refrain from quoting long posts, use the ^ or @ sign instead.

[hisana]

Yung BDO, hindi talaga mahilig magbigay ng reason even though it looks like you are qualified. Mapa-savings, checking, credit card...from personal experience, minsan malabo kausap kaya this is actually the last bank I want to transact with. Feeling ko ako pa yung naghahabol sa kanila! Sorry, naging rant na tungkol sa BDO.

Sa akin naman recently sa citibank they are offering the premier miles card. Gusto ko sana kunin, kaya lang 5k pala ang annual fee nito! Hindi pa naman ako magaling makipagnegotiate para sa waived annual fees, so huwag na lang pala, haha.

[ficklemind]

with BDO for about 5 years na, every year nagiincrease yung limit ng 5k automatic, Hinde pa namin matry magrequest talaga since ok na kami sa  limit at walang need, iba iba siguro talaga.

[ayami]

Yung mama ko, it's been 7 yrs stuck sya sa 30K limit lol. Kahit lagi nya rin ginagamit yun saklap no.

[blackgreen]

Sa BDO ko naman nagulat na lang ako nag increase ng 130%. Hindi naman ako nagrerequest. Pangit pa nga credit history ko sa BDO kasi meron ako supplementary yun sa kapatid ko di niya nababayaran ng buo and on time swipes niya. If ever ang labo naman ng criteria ni BDO.

[ikaela]

Sa akin naman recently sa citibank they are offering the premier miles card. Gusto ko sana kunin, kaya lang 5k pala ang annual fee nito! Hindi pa naman ako magaling makipagnegotiate para sa waived annual fees, so huwag na lang pala, haha.

This is the card I'm waiting for too. Lowest spend to mile ratio kasi among all travel cards. Meron namang promo ang Citibank para sa Premiermiles ngayon--yung free rewards points equal to a round-trip ticket to Hong Kong--pero mas gusto ko yung free annual fee.  Nag-strict pa naman daw ang Citibank sa pag-waive ng annual fee.

[lonely_dad]

so far wala akong problem sa citibank, automatic nila niwaive ang annual fee ko
nakakatanggap ako ng text and email na waived na daw annual fee ko

[mama squeak!]

If you're a Citigold account holder, automatic waive lahat ng Citibank issued credit cards. Or if you were able to avail of their promos before na free for life annual fees, automatic na rin yun.

[Len0523]

Yung mama ko, it's been 7 yrs stuck sya sa 30K limit lol. Kahit lagi nya rin ginagamit yun saklap no.

baka sa age limit nya?

[ayami]

50's pa lang mama ko, yung mommy ng friends ko older pa pero they have higher limits hehe.

HSBC naman nya 200K na

[barbillie]

BPI increased again my Gold CC by 25k. No request, I think they based it sa usage.

[Evolet027]

^ same here sis. Nagka increase ako ng 20k last january lang. Then today, I just got a message na may increase na naman ako ant it's another 25k. Ang weird lang, I stopped using it 3 mos ago na, kasi dumating yung Cashback ko from Security bank, so practically yun na ang ginagamit ko.

or maybe they are tempting me to use their card.

[shinies]

Paiba iba sa BPI.. Yung sa nanay ko, kalahati lang nadagdag eh ang tagal tagal tagal na nung account niya.

Yung akin naman, parang isang buwan pa lang nabigay, sobrang laki ng tinaas agad.

[Romans828]

Hello sis!
Question, for payments via credit card tapus USD yung payment, [textspeak!] normally yung ginagamit na exhange rate ng banks? Is  it really higher than the normal day exchange rate? Thanks!

[lonely_dad]

Hello sis!
Question, for payments via credit card tapus USD yung payment, [textspeak!] normally yung ginagamit na exhange rate ng banks? Is  it really higher than the normal day exchange rate? Thanks!

mas mataas normally ang rate nila kaya mas ok if pwede dollar na rin ang ibayad mo makakamura ka