Credit cards [Merged]

**shadow** · July 31st, 2008 08:48 PM

Originally Posted by userfriendly

Shadow,

How did you get free lifetime membership sa BDO?

I'm one of the founding member...meron nakasulat under sa name ko sa card na "founding member".

**warp** · July 31st, 2008 09:22 PM

shell citi, 5% rebate on participating shell gasoline stations

citi rustan's card para sa shopping at grocery

citi premeir miles para sa travel

**cutedoc** · July 31st, 2008 10:51 PM

im using epcib titanium card, gusto ko siya kasi kakaiba ang shape ng card hehehe

but i did haggle to have its annual fee waived, sabi ko pag di waived yun ill cut it and transfer to other card company ang daming nagoofer, nanghihinayang lang ako sa accumulation ko na points kaya i stay with epcib.

**B2Bomber** · July 31st, 2008 11:39 PM

CMIIW... KUNG 0% interest yung instalment plan ng purchase mo, di dapat tumaas kaysa sa dapat bayaran.

**shadow** · August 1st, 2008 12:11 PM

maganda yun American Express platinum, libre ang lounge sa NAIA 1, with free foods and drinks...

**Isuzoom** · August 3rd, 2008 07:32 AM

My wife got a platinum citi premier miles with 7 figures credit limit.....we are former cathay pacific citibank. Planning to call the bank and change the credit limit...delikado na!

**compact** · August 3rd, 2008 10:21 AM

Originally Posted by Isuzoom

My wife got a platinum citi premier miles with 7 figures credit limit.....we are former cathay pacific citibank. Planning to call the bank and change the credit limit...delikado na!

delikado nga yan, temptation galore. kaya ako, never upgraded it to more than 6 figures. hangga ngayon 60k lang ang limit ko for more than 11 years na.

shell citibank mastercard gamit ko. customer service keep on urging me to upgrade but no thanks. no FC but with rebates coming from shell. pang offset nga ng annual fee. never ko pa nasubukan magpawaive ng AF, masubukan nga ngayon, sabihin ko after 11 years ngayon lang ako hihirit.

**CVT** · August 3rd, 2008 04:55 PM

Originally Posted by compact

delikado nga yan, temptation galore. kaya ako, never upgraded it to more than 6 figures. hangga ngayon 60k lang ang limit ko for more than 11 years na.

shell citibank mastercard gamit ko. customer service keep on urging me to upgrade but no thanks. no FC but with rebates coming from shell. pang offset nga ng annual fee. never ko pa nasubukan magpawaive ng AF, masubukan nga ngayon, sabihin ko after 11 years ngayon lang ako hihirit.

You should do it bro. Never paid for our annual fees in any of the 3 credit cards that we currently hold... Hindi rin nila binabawasan ang points na hawak namin....

6505:Bath:

**Honda97** · August 5th, 2008 09:18 AM

i'm trying to pay off all my cards para wala na akong utang. pinapa-balance transfer ko na nga yung iba para bumaba yung interest rate...

**vito corleone** · September 11th, 2008 10:30 AM

Originally Posted by Honda97

i'm trying to pay off all my cards para wala na akong utang. pinapa-balance transfer ko na nga yung iba para bumaba yung interest rate...

this is one advantage of having more than one credit cards. . .esp. kung magkalayo ang date ng payment deadline nila. . .pwede mo lang ipasa-pasa kung kaya rin lang ng credit limit of each until such time na makaluwag ka to pay them off unti-unti. . .

credit cards are a good tool if used smartly and with caution. . .let's take advantage of the credit card companies, and not the other way around