all about credit cards-thread 5

[mysterioza_me]

^Thanks sis. Pare-parehas ata ang bank na nambibigla lang ng pagtaas ng CL. Sa rcbc card ko dati ganyan din.

[blackberry_]

^ para siguro tumaas din ang purchase mo. kaya biglang nagtataas. sakin naman, no effect. hindi ko rin naman tinataasan ang lifestyle ko. live below my means kumbaga. haha mahirap kasi mabaon sa utang, i've been there, at di ako makatulog.

[sofiameredith]

ask ko lang what is your feedback sa hsbc visa gold cash back? di ko pa na-activate yung card ko. i'm still thinking pa kasi if i will use it at i-let go na yung existing hsbc red mastercard ko eh.  I have another mastercard na din kasi from BPI. TIA

[blackberry_]

^ no difference. if you have hsbc red, and gold na magkahiwalay ang limit, might as well pagsamahin na lang and retain whatever is lower yung annual fee. mabilis din makipag usap sa hsbc for waiving the annual fee.

[sofiameredith]

^thanks. Baka ganun na nga lang gawin ko, na sales talk kasi ako sa cash back ni visa eh.

[nataliaesperon2000]

^ sis san ka nagbabayad ng robinsons dos mo

sis  mysterioza_me ako din nagulat ako nagkaron ako crdit card increase sa bdo sabay sabay kami ng co wrker ko naincreasan hindi ko pa ako big soender nyan

[mysterioza_me]

^Rcbc card ko before ganyan din e bigla nagtataas ng CL, every 3-6mos ata yun if tama pagkakatanda ko. Tumatawag nalang ako para ibalik sa dati. Naha-hassle ako sa pagbabayad kaya pina-cut ko na. Mas ok talaga if same bank ang cc provider and payroll/savings account, mas convenient magbayad.

[blackberry_]

about robinsons dos - meron sa bdo, sm bills and robinsons dept store bills and payment. ang problem ko lang dito is wala pa sila online banking, so may statement palagi na dumadating.
kaya lagi ko nililista lahat ng purchases ko dito for tracking. by the way, mababa magbigay to ng limit compared sa big banks. pero 30k limit ko dito, ok na rin kasi di ko naman nauubos. ikeep ko na yung bdo ko, and hsbc. may mga utang kasi yun na nakainstallment. pero no interest naman. madalas ginagamit ng mama ko for big purchase. pero yung robinsons dos and bpi - for my everyday use na pwede ang card payment.

[Aftergl0w]

I only have one CC (BPI) and pinakaregret ko ang hindi marunong mag control ng spending ko with the card. Now, may utang pa ako na lagi kong binabayaran. Yung sweldo ko hindi ko maenjoy kasi papunta sa pagbabayad ng card. Now, I'm really trying hard na sa pagbubudget so that next year, I can fully be debt free! But I also realized na laking tulong din pala ng CC ko during certain times and hindi ko rin naman gusto siyang putulin. By next next month mag eexpire na siya. My question is, will BPI still renew my card kaya even if I still have outstanding balance? I am still paying my monthly dues (though not in full) and I have missed my payments..less than 10x in a span of 5 years that I had this CC!

[px17]

^^same question about renewing my card. my BDO card is expiring on January. And I still have outstanding balance with them. Nagbabayad rin ako monthly and hindi rin in full payments.

[hisana]

Yung sa akin, Im not sure lang kung bpi or citibank, pinadalahan na ako ng renewal card bago pa man mag expire yung old card at kahit na may balance sya. Siguro yung mga sobrang delinquent lang yung hindi na nirerenew.

[px17]

^thanks sis! siguro itawag ko nalang din para sure.

[chicafabulosa]

Answer about card renewal

With or without balance, the bank will send you card replacement a month before the expiration. Like you mentioned your card will expire by January, anytime this month you will receive your new card na.

Hope this helps.

[swtgrl_bee]

Sa may mga BDO CC how much kaya deposit ang valid para magkaroon ng CC from them?

[nataliaesperon2000]

^ 50 kang start

[px17]

@ chicafabulosa thanks sis. Nagmessage nga sakin mom ko, na may dumating na daw akong card. Yun na nga siguro yung replacement.

[barbillie]

After being compromised, my replacement cards arrived last Saturday. So far, I activated it thru the mobile app and I was able to convert my miles to airline points.

[swtgrl_bee]

^^^thank you, sis.

[Evolet027]

To those who have BPI Petron Credit Card, sulit ba??? I'm planning to apply kasi my rebates sa gas.
Don't know if sulit ba or not. Any insights? Thanks sissies!

[bratty]

Ok ba ang union bank cc? Napadlahan ako ng card with getgo at medyo mataas ang cl, tempting!