Credit Cards - Which Gives The Best Deal?

**_Cathy_** · December 17th, 2023 07:32 PM

I was surprised when I saw my Dec SOA, BPI increased my credit limit. I didn't ask for it since I have no job and significant deposits for 3 yrs already. I am almost certain it's because I paid for my HSBC CC using BPI online and my HSBC CC has higher limit that BPI kasi. May view pala sila ng credit limit with other banks?!?!

**BratPAQ** · December 17th, 2023 08:03 PM

Originally Posted by _Cathy_

I was surprised when I saw my Dec SOA, BPI increased my credit limit. I didn't ask for it since I have no job and significant deposits for 3 yrs already. I am almost certain it's because I paid for my HSBC CC using BPI online and my HSBC CC has higher limit that BPI kasi. May view pala sila ng credit limit with other banks?!?!

Just got my HSBC CC last month. Mas mataas din binigay ng HSBC compared sa BPI. What I like about HSBC is the sms notification every transaction. I changed the minimum transaction to ₱1 for sms transaction para I don't need to use their app na to track my purchase. Their app is so basic masabi lang na may app.

**_Cathy_** · December 18th, 2023 07:13 PM

Pero frustrated pa rin ako wala pa 7 digits limit ko. Sa reddit kasi parang normal na kanila P1m and up and these are people claiming to be in their 20s only. Wtf!

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**sirkosero** · December 19th, 2023 08:38 AM

Originally Posted by _Cathy_

I was surprised when I saw my Dec SOA, BPI increased my credit limit. I didn't ask for it since I have no job and significant deposits for 3 yrs already. I am almost certain it's because I paid for my HSBC CC using BPI online and my HSBC CC has higher limit that BPI kasi. May view pala sila ng credit limit with other banks?!?!

Nagpapa card check na kasi sa transunion. Kaya nalalaman limits and delinquency history.

Madami naloloko sa credit limit at target eh 7 digits. I know a few earning less than 40k pero nasa 7 digits each card. Akala mo mayaman, baon naman sa utang. Hehe.

I make it a point to request to revert to previous limit tuwing may autoincrease and banks. Iwas tukso

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**dr. d** · December 19th, 2023 10:10 AM

Originally Posted by sirkosero

Nagpapa card check na kasi sa transunion. Kaya nalalaman limits and delinquency history.

Madami naloloko sa credit limit at target eh 7 digits. I know a few earning less than 40k pero nasa 7 digits each card. Akala mo mayaman, baon naman sa utang. Hehe.

I make it a point to request to revert to previous limit tuwing may autoincrease and banks. Iwas tukso

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same here.
i requested to retain my limit to the current.
tentacion... y justina caso...

**papi smith** · December 19th, 2023 01:50 PM

Sa tagal ko ng disiplinado sa CC, temptation is no longer an issue for me, mas worried ako sa fraud.

Curious lang, iba ba ang kulay ng 7 vs 6 digit CL cards? Or is there a marking in the card that indicates it is?

**shadow** · December 19th, 2023 02:03 PM

Originally Posted by papi smith

Sa tagal ko ng disiplinado sa CC, temptation is no longer an issue for me, mas worried ako sa fraud.

Curious lang, iba ba ang kulay ng 7 vs 6 digit CL cards? Or is there a marking in the card that indicates it is?

Wala

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**shadow** · December 19th, 2023 02:04 PM

Originally Posted by _Cathy_

I was surprised when I saw my Dec SOA, BPI increased my credit limit. I didn't ask for it since I have no job and significant deposits for 3 yrs already. I am almost certain it's because I paid for my HSBC CC using BPI online and my HSBC CC has higher limit that BPI kasi. May view pala sila ng credit limit with other banks?!?!

Hinde ba every year nag bigay talaga sila ng increase?

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**shadow** · December 19th, 2023 02:07 PM

Originally Posted by papi smith

Sa tagal ko ng disiplinado sa CC, temptation is no longer an issue for me, mas worried ako sa fraud.

Curious lang, iba ba ang kulay ng 7 vs 6 digit CL cards? Or is there a marking in the card that indicates it is?

Temptation lang yan sa abroad but not over here, wala ka naman mabibili dito na need ng malaking credit limit.

Meron ako prepaid from BPI and that's what I'm using sa mga gas stations or mga places na mukhang alanganin

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**Dr.Kamiya** · December 19th, 2023 02:13 PM

Originally Posted by papi smith

Sa tagal ko ng disiplinado sa CC, temptation is no longer an issue for me, mas worried ako sa fraud.

Curious lang, iba ba ang kulay ng 7 vs 6 digit CL cards? Or is there a marking in the card that indicates it is?

Same here. I've always paid off every CC bill in full on or before the due date, but intentionally keep my limit low to avoid fraud.

Funny enough I have a card that I only use online and never had problems with, and another card I use physically which has been replaced 3x already. Anecdotal evidence that the problem isn't online shopping but unscrupulous people who handle your card (gas stations, restaurants etc).

Asar na asar ako sa mga tech stores not only do they make kilatis your card they ask for ID pa. Literally every bad practice that can cause fraud and identity theft is SOP nila.