Credit cards [Merged]

[109]

ssaloon... i like citibank because i can check my balance & transactions online. but badtrip rin ako kasi ayaw nila i-waive pa rin ang annual fee kahit na isang damukal na transaction ang gawin ko.

IMO - ok ang BDO Gold.

kung madalas mo gamitin at laging malaki transaksiyon at laging on time ka magbayad tas bigla mong irequest na i-close ang account mo kasi hindi nawe-waive ang annual fee nila........ano kaya maging sagot nila. i don't think na pakakawalan ka nila kung maganda credit standing mo.

[the_wildthing]

ssaloon... i like citibank because i can check my balance & transactions online. but badtrip rin ako kasi ayaw nila i-waive pa rin ang annual fee kahit na isang damukal na transaction ang gawin ko.

IMO - ok ang BDO Gold.

Puwede mo ipa-convert yung points mo to apply to your annual fee.

[ssaloon]

yan din mamimiss ko sa citibank, hassle talaga yung annual nila. pero sa bpi, pwede naman eh.

buti pa HSBC, waived agad annual ko basta mag-accumulate lang ako ng 5000 worth of purchases within 2 months

[mrpink]

i use a shell-citibank mastercard for my backup card .. sa shell din kasi nagpapakarga para maka-rebate man lang ako kahit isang litrong gas ..

[BlueBimmer]

long time user of BPI gold express credit mastercard and classic, ok at madali lang pa-waive ng charges, di ko pa natry annual fee.

backup card is metrobank visa and a psbank mastercard which was automatically issued to me without application (weird)

[slamtaz]

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).

these are things i suggest you look for in a card:

1. flexible payment facilities (i.e. otc, atm, on-line), the more the better.
2. higher credit limits and if you can go for those cards with separate peso & dollar credit limits, the better.
3. generally lower financing rates for installment purchases and revolving payments.
4. capable of offering photo card option for added security.
5. with built-in option to waive charges.
6. domestic AND international toll free access number. this is convenient & cost efficient coz, aside from regular landline, you can even use the payphones. just imagine if you're based in the province or went out of town & you need to call the card company. there's one very popular card in the city which doesn't have this

things that are usually generic among various cards.

1. you either get mastercard, visa, diners or amex. the first two are most accepted locally.
2. revolving payment option. be careful, once you get hooked to this, it may take you a lifetime to pay the principal if you go for the minimum payment option.
3. gives freebies or discounts (i.e. on top of points or rewards) when you use the card to pay for groceries, or when you dine-in, or at other establishments.
4. computerized call center that usually takes forever before you can actually talk to a warm blooded human being.

also, most card companies nowadays offer points per use which you can accumulate and exchange for rewards, others just call it differently while others even offer travel miles.

backup card is metrobank visa and a psbank mastercard which was automatically issued to me without application (weird)

sir, i guess you were given what we usually call complimentary cards (i.e. you need not apply, they just give em to you). this is no accident, banks & credit card companies are on the look out for prospective clients too and you were probably evaluated to have a good credit history.

sorry for the long post, hope this helps...

[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.

[van_wilder]

amex ang hirap sa pinas, di siya tinatanggap... even sa mga mahal na establishments...

hsbc and bpi ang ginagamit ko everyday... sa dalas nga nabali na yun hsbc ko...

[boybi]

pinakamadaling kausap ang metrobank pero hindi maganda ang perks, kaya ok lang as backup card, laging waived ang annual fee kahit konti lang purchases.

ang maganda sa BPI is yung appliance madness nila, pero natatapatan naman ng citibank.

yung hsbc pwede rin naman maginquire online. mas secure pa nga ito dahil meron silang pinadalang parang PIN code generator. tsaka madalas mag promo ng mga double or triple miles for mabuhay miles.

[bolantoy]

i have hsbc mastercard and visa, waive ang annual fee for life... hehehe
yung equitable visa pinacancel ko, mahal ng annual fee $120.

[ssaloon]

keep em coming guys. i'll probably make my decision in a week or two when the billing of my citibank card arrives. i just have to settle the balance, and they'll close my cc account

[baiskee]

BPI. so far, wala kasi akong naging problema... bpi-petron card naman gamit ko pang gas. ;)

[wildthing]

maarte lang talaga ang citibank....pero sa mga card na nagamit ko, citibank is very reliable (even outside Philippines)....

BPI and Metrobank seems to be a good back-up card...pero nababad trip ako sa BPI kasi the bill arrival nila minsan paltos...yung courier nila is not reliable.

[ILuvDetailing]

Gamit ko ngayon Citibank and BDO. Pag nagpagas ka sa Petron pwedeng dagdag points sa SM advantage card.

Waived yung annual membership ko sa Citibank, bawas na lang sa points. Pag walang points ata di pwedeng i-waive yung annual membership fee e.g. Citibank mini.

[oldblue]

BPI CC and Metrobank cC

[Sarsi]

ok ang BPI-petron, my rebate sa fuel, my back up is citibank

[j_avonni]

My current credit card is BPI Gold Mastercard. Security Bank just gave me a Mastercard - free annual fee for the first year. I heard Standard Chartered is offering credit card with lifetime free annual fee.

[totoybato]

I heard Standard Chartered is offering credit card with lifetime free annual fee.

i have one, but you have to charge at least P90K/annum for you to avail of the lifetime annual fee, that is for the visa gold.

[bajumbo]

Ako AIG card... every 6 months tumataas credit limit ko at higit sa lahat...


madaling kausap.


Citibank? sobra na laki ng ulo... lagi ko nirereject pag kinakausap ako para mag apply ng credit card.

[GlennSter]

pareho tayo ng problema ngayon mehn..kaya lang dito wala pako maaplyan kasi wala pakong credit history. im gunning for citi mastercard kasi minus 2cents sa gas. pero mejo malabo pa.