Credit Cards - Which Gives The Best Deal?

[yubby24]

Meron ba talagang CC na no annual fee for life?? yung iba kasi deceiving ang ads...

Meron but you have to maintain a minimum spend para no annual fee ka.

[papi smith]

Meron but you have to maintain a minimum spend para no annual fee ka.

Monthly ba ang min spend or annual?

[yubby24]

Monthly ba ang min spend or annual?

Yung BPI yata or RCBC na inaalok sa akin noon, parang at least 30k/month ang pagkakatanda ko.

[BratPAQ]

Monthly ba ang min spend or annual?

BPI gold requires 240k annual spend para auto waive ang annual fee.

[99moves]

Meron ba talagang CC na no annual fee for life?? yung iba kasi deceiving ang ads...

Not sure today pero 10 years ago meron.

Nag personal loan ako sa BPI dati ng 80k ata. They offered me a BPI-Petron card with no annual fees, hanggang ngayon wala pa din fee kahit di gamitin.

Citibank din nung nagpunta ako sa sale ng Crocs sa Tiendesitas nagoffer sila. Wala pa din fee hanggang ngayon.

[drawdee]

Meron ba talagang CC na no annual fee for life?? yung iba kasi deceiving ang ads...

Meron si Citibank, yung Citi Rewards. No annual fee for life and no spending requirements din.

[Gumusut_Amige]

Meron ba talagang CC na no annual fee for life?? yung iba kasi deceiving ang ads...

yung HSBC ko until now doesn't charge me annual fee (8 yrs in counting). plano ko ng isoli dahil hassle din yung pagbayad thru other banks. mas okay pa rin yung auto debit sa pagbayad.
meron akong pre-approve NO annual fee for life sa Security Bank. baka ito na lang ang i-maintain ko pag na-receive ko na.

[_Cathy_]

I still bring cash around for the super rare occasion I get caught by an enforcer and........ I have a friend with 10k emergency cash in her glove box all the time for "confidential" purposes

I'm not comfortable when I don't have enough cash. Sa bag ko marami din nakasingit na pera kung saan saan. We also keep cash at home. You'll never know, what if biglang mag crash banking system worldwide or magka giyera [emoji14] Just like what happened during the lockdown, nakakaparanoid walang cash. Hope it NEVER happens in my lifetime though.

itry ko kung pwede credit limit ko 10thou per transaction.

Pwede. I have a card issued by BPI that's solely for online transactions. I set the limit at P25k per month

do you folks still remember the "traveler's cheques" ?

Yes doc, but it's the oldies that use it It's not hassle free though using it here in PH

Monthly ba ang min spend or annual?

May card ako that I used to never use EXCEPT when it's renewal na. I call to have the annual fee reversed and they just tell me to spend X amount for 30 days. It's not that much, I think P25k lang

[boybi]

I'm not comfortable when I don't have enough cash. Sa bag ko marami din nakasingit na pera kung saan saan. We also keep cash at home. You'll never know, what if biglang mag crash banking system worldwide or magka giyera [emoji14] Just like what happened during the lockdown, nakakaparanoid walang cash. Hope it NEVER happens in my lifetime though.

Hindi naman nag crash ang banking system during lockdown.

[papi smith]

I seldom reach half my limit either, other than when I book flights/hotels. I prefer paying with gcash for smaller purchases now since it takes the risk from the credit card away.

I still bring cash around for the super rare occasion I get caught by an enforcer and........ I have a friend with 10k emergency cash in her glove box all the time for "confidential" purposes

Gassed up this morning then realized I forgot my wallet. So I remembered this post and stashed away some cash in the car. I just put only 2k kasi malilimutin ako, baka malimutan ko tanggalin pag nagpa service or palinis, sayang naman kung ma nenok [emoji38]