Credit Cards w/o Annual Fees

[CVT]

Anyone knows banks that offer credit cards w/o annual fees?

I currently have a BPI Mastercard w/o annual fees and I'm looking for a Visa one just to take advantage of promos. Seems BPI doesn't push Visa cards ata.

Ayaw ko na yung patawag pa every year/month to ask to waive annual fees...

Baka lang may idea kayo.

Thanks!

And still some establishments abroad, not accepting MC,- only Visa

Like Costco....

Hmmm....

[hi5]

Free annual fees ko Diners Club
East West .
Metrobank world, BDO Platinum, and Citibank ko lagi naman waived annual fees, kung di naman, I'm calling them to waive it. So far di pa na decline request ko.
Meron din ako BDO diamond Unionpay, di ko nagagamit, when I asked them to waive, ayaw gusto mag spend pa ko worth 10k, ayun cancel na lang. Ganun din sa Bpi amore visa, cancel, hirap magbayad ng bpi pag wala ka account sa bpi .
Sa una parang ang sarap ng feeling pag marami cards. Pero pag kailangan mo pa tumawag para mag pa waive ng annual fees, sobra hassle, halos 30 minutes ka para me makausap sa customer service nila.

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[badkuk]

PSBank credit card

[kai s.]

My BDO was never charged an annual fee. Nung dineliver yung card, nakalagay sa terms yung fee. Akala ko nga I would need to call the bank pa to have it waived eh but it has never showed up in any billing statement.

[shadow]

My BDO was never charged an annual fee. Nung dineliver yung card, nakalagay sa terms yung fee. Akala ko nga I would need to call the bank pa to have it waived eh but it has never showed up in any billing statement.

Did you also had it when they just starting to offer CC? There's a "founding member" printed under the name kaya Yun ang bonus free na lifetime.


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[kai s.]

Did you also had it when they just starting to offer CC? There's a "founding member" printed under the name kaya Yun ang bonus free na lifetime.

Hmm I never applied for the CC kasi eh, the bank just called that they're sending over pre-approved and pre-activated cards. Pagdating, tatlong card na shared limit (na mababa lang BTW HAHA) pero iba-ibang billing statement, so isa lang ginamit ko hanggang sa dineactivate na yung dalawa due to inactivity. Yung isang card na never nagamit, yun yung may "founding member". Yung two others, medyo bago din pero hindi naman founding.

[ninjababez]

Did you also had it when they just starting to offer CC? There's a "founding member" printed under the name kaya Yun ang bonus free na lifetime.


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founding member, ito yung mga na migrate from equitable to bdo bro diba?

[montro]

Try HSBC meron sila visa at mastercard

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[_Cathy_]

Try HSBC meron sila visa at mastercard

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I have too many bad experiences with HSBC. The worst was when they sent my billing statement late (this was before e statements) and they failed to reverse the FC. The FC accumulated since it took months of calls and emails. They only reversed all charges when I told them I will close my account (and the rest of my family) and I will tell the branch manager that it's the incompetence of the Cards department that led me to my decision. That miraculously solved my problem

[dr. d]

for the past several months, our BPI CC bills have been arriving, late.
sawa ha kaming mag-complain.

[dreamur]

for the past several months, our BPI CC bills have been arriving, late.
sawa ha kaming mag-complain.

Why dont you switch to electronic statement dokie? Save the trees pa.

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[shadow]

Why dont you switch to electronic statement dokie? Save the trees pa.

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Exactly! Hinde na magagamit na Reason yun hinde ka nagbayad dahil Late statement ganitong panahon. Actually lahat ng bills ko Electronic na, emails ang yun iba meron pang SMS. Walang lusot[emoji854][emoji389][emoji389]

Hinde na nga ako nag Open ng paper billing ngayon.


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[Walter]

for the past several months, our BPI CC bills have been arriving, late.
sawa ha kaming mag-complain.

Try to enroll in electronic billing ... faster, more convenient and safer than paper bill ...

[dr. d]

Try to enroll in electronic billing ... faster, more convenient and safer than paper bill ...

yespo.
we are seriously considering this.

nakaka-inis lang. a very prominent, powerful, "moneyed" institution... and they can't even get their delivery system in proper working order.

[badkuk]

^agree. di mo na kelangan pumila pa. drag drag click click ok na. you can evsn schedule regular debits to pay for your. CC bill.

[baludoy]

Eh kung iyong customer service hotline ng bpi hindi nila maayos-ayos iyan pa kayang efficiency ng printed billing/soa delivery system nila

when you look into the abyss, the abyss looks into you

[shadow]

Eh kung iyong customer service hotline ng bpi hindi nila maayos-ayos iyan pa kayang efficiency ng printed billing/soa delivery system nila

when you look into the abyss, the abyss looks into you

3 lang yun agents nila. [emoji23] tapos hinde pa mag upgrade ng server. Every payday hinde magamit app and online facilities Nila. Parang tanga eh, they should expect influx of users during paydays pero parang walang pakialam.


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[_Cathy_]

Ako lang ata ang happy sa BPI

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[glenn manikis]

Ako lang ata ang happy sa BPI

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Same po tayo... happy din with BPI...

I always pay in full all purchases ko... para walang interest and finance charge...

[shadow]

Same po tayo... happy din with BPI...

I always pay in full all purchases ko... para walang interest and finance charge...

Is it not a given that we are all supposed to pay in full to avoid surcharge and interest?


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