Credit Cards

[Macky]

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"....

Sad, sad, sad :? Parang give up ka na sa Pinas a????

[1D4LV]

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.

merong online payment facility yung bpi but i think you also have to have an account with them. parang transfers ang nangyayari.

macky. i share tj's sentiments. give up na rin ako dito sa pinas. dahil so many things are really unreasonable.

[gm]

i've been using citibank since 1995 so far wala naman problema. like aig it has the reward system which you can use to pay for the annual fees.

In using credit card, just make sure you could pay for all the charges come billing time. I have a friend who has 3 cards - lahat puno. His pay can nolonger stay in his pocket lahat napupunta doon. kaya charge uli for his needs. It becomes a cycle.:?

Isn't it that the penalty and surcharges are the same for all cards? 3.5% per month to include current charges.

[Macky]

macky. i share tj's sentiments. give up na rin ako dito sa pinas. dahil so many things are really unreasonable.

Ganu yata talaga. Ganyan din ako before kaya ako napunta dito. Kaya lang lately parang gusto ko nang bumalik. Kung di ko nga lang iniisip yungkapakanan ng family ko e di nandyan na ako ngayon. Pre, hope to see you soon nga pala and good luck :P

[TJMaxx]

Macky, ayos ka na diyan. Pabisi-bisita ka na
lang dito sa Pinas. Lots of people would give
an arm and a leg to trade places with you right
now.
Sa Pilipinas, pantay-pantay lahat ng tao.
Ke mayaman o mahirap, lahat ng tao dito
isang paa nasa hukay. Anytime puedeng
maholdap, mabaril, manakawan, ma-rape,
ma-swindle, ma-lay off, etc.
At least diyan sa America, puedeng mong ipagyabang
ang mga kayamanang pinaghirapan mo. Dito baka
maging mitsa pa ng buhay mo ang magkaroon ng
magarang kotse.

[P!lya]

Buti na lang tinanggihan ko na ibang cards....with HSBC once you open an account with them kasam na ung cc, approved agad ung CC ko & delivery na lang kailangan but i called them thru phonebanking and cancelled it.

Mahirap na, ako na umaayaw sa mga CC ngayon, i really can't find any good thing bout it, if u have the cash y not pay it in cash ganon din naman un may surcharge and evryhting pa un pag pinagpaliban mo. Maganda lang ito kung magtra-travel ka sa ibang bansa, its safer to carry a CC than a big cash on ur pocket.


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