New and Used Car Talk Reviews Hot Cars Comparison Automotive Community

The Largest Car Forum in the Philippines



View Poll Results:

Voters
0. You may not vote on this poll
  • 0 0%
Page 9 of 21 FirstFirst ... 567891011121319 ... LastLast
Results 81 to 90 of 201
  1. Join Date
    Sep 2004
    Posts
    4,631
    #81
    Quote Originally Posted by boybi
    guys, OT na kayo. just make a thread regarding family first.
    Yikes. Balik na sa topic...

    Anyone here who ever used Bankard One? Meron pa ba nito ngayon? For some reason, I wasn't issued one along with my Bankard Visa Classic, unlike my co-workers. But in retrospect, ok na rin siguro na isang Bankard lang yung binigay sa akin.

  2. Join Date
    Oct 2002
    Posts
    729
    #82
    yun ang bad part, napakuha ako for my wife, di naman kalakihan, dalawang plan , yung isa bayad na, parang sugal na lang, so far wala pa naman akong nababalitaan except dun sa di magandang style nila. Yung isang friend ko, napakuha din ng policy worth 1M. chargeable din sa credit card niya yung first year premiums. Sorry OT na pala. Back to topic, pag di mo pala nabarayan ng ang credit card bill mo ng buo, kahit isang sentimo lang, you will be charged the interest for the whole amount of your credit card bill , laki kasi akong one time payment lang. Nalaman ko yan nung minsang mag pa charge ako ng annual fee for me and one extension card against my reward point. Nagkamali yung service agent, ang nabawas lang ay yung sa principal card, kaya naging outstanding bill yung sa principal card na halagang P600.00. Dumating yung bill, may charges na almost 2,100 pesos as financing charge , kasi daw kulang daw yung na cgarge against my reward points , Sa madaling sabi, napagalitan ko yung service na kausap ko sa phone kasi di nila maibigay yung pangalan ng kausap ko samantalang recorded kuno lahat ng conversation . Dun sinabi sa akin na kahit isang pera lang kulang mo, ibi bill ka pdin nila dun sa whole amount ng bill. Sinabi ko na pag di nila ni reverse yung charges, i am going to have my card cancelled, tutal may ibang card pa naman ako, ayun, ni reverse naman nila. Kaya dapat talaga binabasa yung fine print dun sa mga credit card applications.
    Last edited by totoybato; August 7th, 2006 at 09:56 PM.

  3. Join Date
    Oct 2002
    Posts
    11,352
    #83
    all financing charges for all credit cards are based on the principle amount and not on the remaining unpaid balance.

  4. Join Date
    Dec 2005
    Posts
    617
    #84
    addt'l info about credit cards:

    1. balance transfers - usually without processing fees/charges but they do collect interest based on the repayment term you choose.
    2. revolving credit - interest is based on unpaid principal balance forwarded from previous statement PLUS all current purchases this statement period computed on an ADB (i.e. average daily balance) basis. so, if you always pay the minimum amount, chances are most of it will be applied only to the interest which results to about the same amount of principal (or it may may even get bigger until you max-out your credit limit) over a long period of time. ito ang gusto ng mga credit card companies that's why they lure you with ever increasing credit limits.
    3. interest rates - this is market driven plus the fact that each individual credit card company factors-in the volume of their past due accounts. technically, the good creditors shoulder the repayment of their bad debt portfolio, in part at least. so if you want to know where you can get lower interest rates, the companies volume of past due accounts is a good indicator including that of their parent company.
    4. prepayment penalty - this is usually charged when you decide to preterminate & pay the outstanding principal of your installment purchases or balance transfers.

    hope above info will be helpful..
    Last edited by slamtaz; August 8th, 2006 at 08:40 AM.

  5. Join Date
    Oct 2002
    Posts
    11,352
    #85
    i'm leaning towards BPI classic or BPI-Petron. but from the looks of it, mukhang mas ok yung classic because it has more perks than the petron card, plus a lower annual fee of 1250 (which i will eventually have waived) and interest rate of 2.99%

    btw, you can pay your bills via internet banking through your cc with BPI right?
    Last edited by ssaloon; August 8th, 2006 at 09:02 AM.

  6. Join Date
    Dec 2005
    Posts
    2,421
    #86
    Quote Originally Posted by ssaloon
    i'm leaning towards BPI classic or BPI-Petron. but from the looks of it, mukhang mas ok yung classic because it has more perks than the petron card, plus a lower annual fee of 1250 (which i will eventually have waived) and interest rate of 2.99%

    btw, you can pay your bills via internet banking through your cc with BPI right?
    daming low interest credit cards ngayon. just make sure you don't miss a payment, cos the 2.99% will immediately jump to 22.99% or more. and they don't have much of a grace period either, parang trap nga ang labas eh.

  7. Join Date
    Oct 2002
    Posts
    11,352
    #87
    no problem naman sakin yung financing costs coz i always pay on time and in full :D

  8. Join Date
    Oct 2002
    Posts
    729
    #88
    sampu sampera na nga ang credit card ngayon, whereas 15 years ago, pahirapan kumuha n. YUng ibang card ko ngayon di ko na nga masyadong ginagamit, ginagamit ko lang yung meron na akong madaming naipon na reward points. Sa akin lang, dami nang nag offer ng pre approved na credit card, di ko na lang inientertain . Tama na yung ay isang main card (citibank) at back up card (scb) for me.

  9. Join Date
    Oct 2002
    Posts
    9,894
    #89
    Quote Originally Posted by ssaloon
    no problem naman sakin yung financing costs coz i always pay on time and in full :D
    ayaw ng mga cc company sa iyo. wala silang mahahakot na interest and finance charges :D

  10. Join Date
    Sep 2003
    Posts
    1,398
    #90
    Quote Originally Posted by totoybato
    sampu sampera na nga ang credit card ngayon, whereas 15 years ago, pahirapan kumuha n.
    hirap pa rin kumuha, bakit ako 2x na na-decline sa hsbc?
    cguro pangit credit history ko hehe, wala naman ako natatandaang hindi nabayaran sa ibang cc ko, tinatanong ko naman dahilan, ayaw sabihin.
    kung ayaw nila sa kin, e di wag. hscb is a total asshole. :bwahaha:
    Last edited by 109; August 8th, 2006 at 06:26 PM.

Page 9 of 21 FirstFirst ... 567891011121319 ... LastLast
Credit cards [Merged]