Credit Cards

[InVitro25]

Ano ba ang the best bank credit card (for local and international use) either master card or visa card as far as percentage wise, cash and credit limitations, accessibility etc... For those working in the banks please don't be bias. Just an honest answer.

[NightRock]

Palagay ko almost the same naman lahat ng BANKS pag dating sa credit card.. Yung credit limit naman depende sa monthly salary mo. Advice lang mahirap mabuhay ng naka depende ka sa credit card mo. I own a lot of credit card pero I just used it in case of emergency..lalo na sa mga Hotels kahit na may cash ka they still need it as a guarantee.. Kaya nga others says mahirap din yung wala kang plastic money..

[Macky]

Ano ba ang the best bank credit card (for local and international use) either master card or visa card as far as percentage wise, cash and credit limitations, accessability etc... For those working in the banks please don't be bias. Just an honest answer.

IMO, don't look at the bank. Usability-wise pare-parehong credit cards yan...... get the credit card with the lowest APR and no or minimal fees (annual, processing, membership, etc.).

[InVitro25]

Thanks guys. But among our local banks which one does have the lowest APR or no or minimal fees. Anyone outstanding with these criterias?

[Macky]

Thanks guys. But among our local banks which one does have the lowest APR or no or minimal fees. Anyone outstanding with these criterias?

Your APR will most likely be based on your credit history. Di ko lang alam kung may mga credit agencies ang Pinas to retrieve the credit history of an individual.

[1D4LV]

the best card i have used (kaya lang is local card) is yung BPI Express Credit. maliit interest rate kung icocompare sa international cards.

international cards eh tama sila... pare-pareho lang interest rate and acceptability nyang mga yan.

[DITTO]

you may inquire at AIG or HSBC... i heard that you can negotiate to reverse your annual fee for the succeeding years, but i never tried it yet... hehehehe :P

normally, i changed my credit card as soon as they charged me with an annual fee... madali na lang kumuha ngayon dahil halos lahat ng banko ay meron na...

IMO lang po... never used your credit card for credit, used it for convenience... it means that you have to pay on due dates all your outstanding balances so as not to be charged with exorbitant rate (no exemption).... :wink: :wink: :wink:

[ASTIG]

siguraduhin mo lang pag ginamit mo sa hotel yung card mo, na di makikita ni misis yung statement.

[sup]

i believe some credit cards have these reward points.. my dad uses the reward points to waive the annual fees instead of appliances and stuff. ako, extension lang po.. ginagamit lang pag emergency or for gasoline.. aig card ng dad ko. you can ask na lang if they still have this reward points thing. :D

[Leon275]

AIG Still has the rewards program. The rewards program is common with any credit card in our country. If your not planning on using your card abroad go for the bpi Express Credit (local Card). If you plan on using the card here and abroad, any Visa Card will do. i you plan on having a seperate card for your transactions abroad, apply for an american express, so your transactions will be billed in USD and not converted to our local currency.

HTH:mrgreen:

[ghosthunter]

AIG or BPI seems to be the better credit cards available here.

CITIBANK is also good in terms of services but interest rate is pretty high.

EQUITABLE is one of the worst.

[dazedchiq]

guys, just a reminder...

ingat sa pag-gamit.. mahirap na mabaon sa utang.. dami kong kilala na sobrang naghihirap ngayon... 100 na lang, nde pa gagastusin for food...

[kimpOy]

yup!
credit limit 50,000... salary 20,000 dun pa lang olats na!

ako pang emergency ko lang ginagamit card ko and sa groceries dahil walang surcharge
and also hanggang half lang sa sweldo ko ang ginagastos ko sa card

[DeltaBravo]

AIG or BPI seems to be the better credit cards available here.

CITIBANK is also good in terms of services but interest rate is pretty high.

EQUITABLE is one of the worst.

Just want to know how come "equitable one the worst" because my card is equitable visa. any sad experience?

Ang pagkakaalam ko kc ang equitable ang may largest nationwide POS network among local bank and even surpassing other foreign bank here.

[boybi]

Metrobank credit cards po. very simple ang pag compute ng charges like interests and penalties if ever nakalimutan mong magbayad on time. napansin din ito ng isang relative ko who worked for SGV (which is the accounting firm of 90% of the banks here.) assigned pa naman sya sa mga banks. hindi daw sila nahirapan sa Unibancard (credit card company of metrobank) dahil nga very simple ang computation. unlike other banks/cards na paikot-ikot ang computation.

[sauman]

BPI express credit one of the lowest interest rates (lagi pa silang may "madness" promo sa glorietta), CITYBANK(visa/mastercard) isa sa pinakamataas magbigay ng credit limit lalo na yung VISA, AIG ok din dahil pwede mong gamitin yung points mo na na-accumulate para i-reverse yung annual membership fee, medyo mababa lang nga credit limit nito compared to other banks. I use credit cards for convenience, lalo na pag nagpapa gas. Instead of withdrawing from an ATM or carrying around lots of money e di i-swipe ko na lang, lapit ko lang naman sa mga pay centers e. Basta't ang ginagawa ko para hindi malubog sa utang at di masyadong ma-charge an ng interest, pinipilit kong mabayaran agad yung majority ng balance ko within the next billing period, ganito ginagawa ko para di maipon utang ko.

[chieffy]

IMO, International - Citibank VC/MC - best in terms of service..kahit over the phone lang pwede na yung ibang requests mo...tulad nga ng sabi ng iba, ibang klase din naman mag-compute ng interest, ang taas!...huwag na huwag kang magkamaling magpa-overdue...ang galing mag-trace at mag-probe ng mga collection officers niyan...mahahanap at mapapabayad ka talaga...

Local - Equitable VC/MC - interest computation is just based on remaining balance..okay na rin yung service...

[TJMaxx]

Walang APR-APR dito sa Pinas. Very usurious ang interest
rates sa credit card dito.
Sa tingin ko si Satanas ang nag-imbento ng credit card
para wasakin ang buhay ng tao. They tempt you to spend
beyond your means.
Believe me, the sooner you get rid of those cards, the better
it is for you.
Just maintain ONE card and keep it home. use it only for
emergencies as in you use that to charge expenses if ever
you or your loved ones needs to be rushed to a hospital.
Otherwise, transact on cash basis or through ATM debit cards.
Take charge of your own financial destiny. Credit cards will
just enslave you to the point where you will say "Just send my
paycheck to Mastercard"....

[scarab]

hehehe... tama yan si tjmaxx, tool of the devil talaga yan credit card na yan. lalo na uso na ngayon yang mga deferred payment schemes.

anywayz, sabi nila pag may BPI ka madali ng mag-aaply ng ibang cc. so i guess all good ka na pag may BPI cc ka na.

i only have standard chartered mastercard. tama na muna ang isa at napakahirap i-zero balance ang mga yan.

[NightRock]

So OK pala ang BPI credit card.. Last Nov nag apply ako sa BPI ng credit card thru online banking then hindi ko alam na approved pala nila. naka alis na ko ng Pinas ng dumating yung sulat sa bahay na released na card ko. Pansin ko nga medyo sikat ang PBI credit card sa Glorieta. Anyway meron naman akong International Visa and Master. kaya lang gusto ko rin mag try ng local card dyan satin.. Ang mahirap lang may supplimentary card pa para kay misis so Paktay ako ngayon dito pag panay kaskas ni misis ng card nya sa mga mall.. Sa mga may BPI credit card ok ba yung payment facilities nila onlie??? So far nasusubukan ko palang for more than a year yung bill namin ng Meralco at PLDT binabayaran ko online.. Laking ginahawa kasi hindi kana pipila sa mga payment center nila... TRY nyo para sa mga wala pa.