^^Ay mga Sisses ko, mga 5 years ko lang pala sha naaccumulate not 10 years. Sorry!
I always pay using my bpi credit card before and I have previous skymiles so technically,
MNL to LAX flight via delta on an off peak only needs 60,000 skymiles before at meron na akong around 15,000 existing skymiles, therefore, i only needed 45,000 delta miles.
1 skymile = 45 php.
45,000 skymiles = PHP 2,025,000 in 60 months (amount need to charge to BPI CC)
PHP 2,025,000 / 60 months = PHP 33,750 BPI credit card charge per month.
So what I did was use my bpi credit card to pay for groceries, uber, other expenses except utilities. But i try to pay it before printing of the bank statement para di mag charge ng interest. Since nagagamit ko sha, I was able to waive my annual fees every year.
After that, I was able to book 1 roundtrip MNL - LAX for free on dec - jan dates (offpeak), I only paid the tax which is PHP5,000 lang for the whole flight. Tapos nakakalibre pa ako ng lunch dahil sa jolibee free meal ni BPI, pati Chowking to the point na nanawa na kami dahil umiikot lang sa free jolibee and chowking. :p
Pero ngayon, i found citibank premiermiles earns more skymiles at 1 skymiles = 30 php
so if I want to earn 60,000 skymiles (RT manila - Los angeles via Delta airlines)
60,000 skymiles * 30 php = 1,800,000 PHP charged to your citibank credit card
so that's 30,000 PHP a month for 5 years. You can use your CC to pay your groceries, fuel, eating out, uber, grab, all other expenses. But you don't need 60 months, baka maipon na sha by 7th year (84 months).
If you're faithful and able to charge more than, say, 100,000 php on your card annually, pwede ipawaive ang annual membership fee. But you need to make sure you pay it before due date.
Kahit surgery ko dinaan ko sa credit card, pero pay immediately or suck the installment interest charges.
You just need to make your credit cards work for you, that is, you will pay off the all your charges before the due date.
