Credit cards [Merged]

[_Qwerty_]

yup madami na nga credit cards ngayon.. kaya why pay for annual fees?? ako i have never paid any annual fees sa 2 kong cc sa BPI and HSBC.. pag mag charge na sila nang annual fee.. parati kong pinapa reverse.. pag ni suggest na tapatan ko nang reward points hindi ako pumapayag.. sabi ko sa dami nang charge ko dyan hindi nyo pa ma reverse yang annual fee na yan.. papa close ko na lang yan.. always works for me.. so far for the past 10 years.. di pa ako nagbabayad nang annual fee..

tapos yung sa equitable gold AMEX naman.. 5 years yatang waived annual fee.. kaya ok rin..

ako kasi, i charged everything sa credit card.. i don't bring cash.. groceries, school, etc. tapos pag dating nang payment.. i pay parati in full.. kaya ayos lang din.. wala rin silang kinikita sa akin.. ako pa kumikita sa kanila.. kasi ang daming points.. gift cheques parati pinapapalit ko..

[BlueBimmer]

gs2 ko try hsbc hmmm

[ts1n1ta]

go for Diners......one of the best.....

Nde ren. Matagal na ako Diners user...ilang beses na tinanggihan.

HSBC okay. la ako problem. isa pa i don't need to talk to a CSR for my balance inquiry and payment inquiry. Automated lahat at pwede through texting. After 6 months pa tinaasan credit limit ko. hehehe.

CITIBANK. I HATE CITIBANK.

[_Qwerty_]

tapos na yata yung KFC promo nila.. yung pag na approve may 1 bucket na KFC.. ang promo yata ngayon eh pag na approve eh Php500.00 credit agad..

[ssaloon]

ayaw ng mga cc company sa iyo. wala silang mahahakot na interest and finance charges :D

hahaha! wag nalang sakin, sa iba nalang

[swordsman]

ako i have never paid any annual fees sa 2 kong cc sa BPI and HSBC.. pag mag charge na sila nang annual fee.. parati kong pinapa reverse.. pag ni suggest na tapatan ko nang reward points hindi ako pumapayag.. sabi ko sa dami nang charge ko dyan hindi nyo pa ma reverse yang annual fee na yan.. papa close ko na lang yan.. always works for me.. so far for the past 10 years.. di pa ako nagbabayad nang annual fee..

Aha! So, pwede pala ipa-waive ang annual fee for BPI?? Haven't tried it, though my main card is BPI Mastercard(blue). I was under the impression na BPI would call your bluff(it that's what it is) about cancelling their card, if they refuse to reverse the annual fee.

Haven't heard any agent calling out just to convince you to get a BPI card unlike Citibank, Standard Chartered, HSBC, etc. Plus, BPI doesn't give that high of a credit limit.

[aRChiVe]

*dvorak, try ko nga sa bpi, ill be charge the annual fee this october.

*swordsman, bpi is not that aggressive in issuing cc, probably not their cup of tea. what's good lang with bpi are less interest rates and 0% interest deals.

[yuichi]

hanggang ngayon wala pa ako niyan kahit may descent job ako...may ahente pa dito? abroad kasi ako kaya maaprubahan. creditcard naman d2 kasi sa china di daw pedeng panginternational...tsk, tsk! kailangan ko rin kasi yan for emregency.

[_Qwerty_]

medyo aggresive na rin yang BPI.. i have a friend.. di naman sya nag re request.. pinadalhan na rin nang pre-approve blue mastercard.. dati hindi nila ginagawa yan..

gusto ko lang sa BPI.. eh yung SIP madness.. x 3 yung credit limit.. dyan ako nakakabili nang mga gadgets / appliances / furniture..

don sa mga hindi na a approve.. may friend ako sa isang bank.. sabi nya.. may mga SOP sila na sinusunod.. halimbawa yung home address.. pag ang home address eh halimbawa sa tondo, or sa singalong or sa Montalban, Rizal.. (halimbawa lang po)... eh denied agad..

[swordsman]

coming from one of the local banks with its own credit card affiliate, i was given several complimentary cards for personal & representation purposes but instead, i use AIG CC, why? coz depending on your use, they can waive your annual fees, waive finance charges, give you separate & free dental and health card which are really usable. also, if you use it abroad, they have one of the lowest conversion from US$ to petot. also, when buying high ticket items like appliances, you usually pay for the cash price rather than the regular price (i.e. credit card price).

Does AIG still have that feature wherein you can buy stuff in cash(for those establishments not accepting cc) and fax them the receipts, and AIG will charge it and refund you the cashout you made?

BTW, very important for me in choosing a credit card is the ability to pay Online thru BPI or Metrobank accounts. Dun kasi payroll namin e. Hassle kasi yong pipila ka pa sa banks/payment centers.