Credit Cards w/o Annual Fees

[_Cathy_]

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


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My first job was at credit cards departments. You would be surprised of the number of people who revolve their cards. Minimum payment or a little above lang binabayaran.

Those who pay in full are called "transactors" and they are the minority. Nakakagulat how people who work in good companies, college grads e nagpapa interes sa cards.

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[dr. d]

My first job was at credit cards departments. You would be surprised of the number of people who revolve their cards. Minimum payment or a little above lang binabayaran.

Those who pay in full are called "transactors" and they are the minority. Nakakagulat how people who work in good companies, college grads e nagpapa interes sa cards.

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they were probably asleep or absent sick, in eco, stat, or math class.

[Walter]

Those who pay in full are called "transactors"

They are also called Deadbeats ...

[Walter]

Is it not a given that we are all supposed to pay in full to avoid surcharge and interest? Sent from my iPhone using Tapatalk

You'd be surprised ...

[glenn manikis]

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


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Primary use ko sa c.c. ko.. para hindi ako withdraw ng withdraw.... less ang cash transaction ko...

[kreme]

Pano kayo nag papawaive ng annual sa bpi? Haha. Parang wala pang 10 call center agents nila at any given time/day. Cancelled all my cards in bpi kasi di ko talaga matawagan, umabot ng 700+ yung call bill ko sa cp dahil sa kanila para lang mawaive ynug 1 kong card. And meron pakong isa card pa sa kanila. Kaya nun naka connect ako, pinacancel ko nalang pareho. Kesa every year mag hirap ako sa pag tawag.

Buti pa citibank, ang dali icontact. Wala rin problem mag pawaive. Kelangan lang ng konting takutan sa platinum kesa sa shell gold since mahal annual nya. Pero binibgay din naman. Even sa sec bank dali din icontact kahit almost 0 usage waived din.

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[tagalnasaabroad]

^ annual fee waive request thru sms with my RM..other urgent request like forgot username or password would i resort to 89100 landline call plus priority qeueing code ..

seemed bpi offer free annual membership for supplementary cardholders..

[kagalingan]

wala ako credit card and atm.....ayoko may electronic records.........

ilan beses na ako kinulit bank magkacredit card.... "sir....bakit hindi ka nagkecredit card..... gusto mo ngayon gawan kita...."

nagtry pala ako once mag atm, kasi doon sa passbook kasama na..... pero hindi ko talaga type pinadisable ko.... ginupit na atm ko.

pag kwarta as much as possible ayoko nalalaman ng iba gastos ko...

kaya mga amazon ko hiram sa kamag-anak ang card..... hahahahahaha

[_Cathy_]

wala ako credit card and atm.....ayoko may electronic records.........

ilan beses na ako kinulit bank magkacredit card.... "sir....bakit hindi ka nagkecredit card..... gusto mo ngayon gawan kita...."

nagtry pala ako once mag atm, kasi doon sa passbook kasama na..... pero hindi ko talaga type pinadisable ko.... ginupit na atm ko.

pag kwarta as much as possible ayoko nalalaman ng iba gastos ko...

kaya mga amazon ko hiram sa kamag-anak ang card..... hahahahahaha

How do you pay when you travel? You are only allowed to bring a certain amount of cash.

Bad trip lang sa CC yung tumatawag sa office ko. Nakakapikon kasi sa savings account lang ako naglagay ng office number and I think they shared my contact details sa cards department!

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[dr. d]

How do you pay when you travel? You are only allowed to bring a certain amount of cash.

Bad trip lang sa CC yung tumatawag sa office ko. Nakakapikon kasi sa savings account lang ako naglagay ng office number and I think they shared my contact details sa cards department!

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well, there's the socks...
heh heh.

but seriously, when was the last time immigration or other, actually checked our moneys when flying out?

[dr. d]

Buti pa citibank, ang dali icontact. Wala rin problem mag pawaive. Kelangan lang ng konting takutan sa platinum kesa sa shell gold since mahal annual nya. Pero binibgay din naman. Even sa sec bank dali din icontact kahit almost 0 usage waived din.

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magkano ba minimum sa citibank, to waive?
maliit lang kasi ang regulars sa CC ko, e.
i prefer to pay in cash, para maramdaman ko ang pain.

[kreme]

magkano ba minimum sa citibank, to waive?
maliit lang kasi ang regulars sa CC ko, e.
i prefer to pay in cash, para maramdaman ko ang pain.

I'm also not sure sir. Pero my main citi card probably only incur around a 100k per year or even less. I only use it on gas, some utility bills, online purchase, dining, vacation, and some shopping. My other citi card, 0. My 2 sec bank card, 0 usage also, all waived easily. As long as wala kang installment sa card, sabihin mo lang agad na iccancel mo nalang yung card pag sinabi nilang iqqueue nila yung request mo sa card dept nila.

I have an ongoing car loan and condo loan so talagang di ko rin magamit yung cards. ) never pa din akong nag avail ng installment plans nila or even paid late kaya baka no risk na iretain nila ako as client.

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[Mask Rider Blac]

Pano kayo nag papawaive ng annual sa bpi? Haha. Parang wala pang 10 call center agents nila at any given time/day. Cancelled all my cards in bpi kasi di ko talaga matawagan, umabot ng 700+ yung call bill ko sa cp dahil sa kanila para lang mawaive ynug 1 kong card. And meron pakong isa card pa sa kanila. Kaya nun naka connect ako, pinacancel ko nalang pareho. Kesa every year mag hirap ako sa pag tawag.

Buti pa citibank, ang dali icontact. Wala rin problem mag pawaive. Kelangan lang ng konting takutan sa platinum kesa sa shell gold since mahal annual nya. Pero binibgay din naman. Even sa sec bank dali din icontact kahit almost 0 usage waived din.

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Through e-mail.

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[kreme]

Through e-mail.

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Pano to sir? Basta email lang sa expressonline*bpi.com.ph and include some needed details? Mabilis naman ang response? Can they also do card cancellation here? My payroll account is bpi kaya ok talaga sana si bpi.
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Usual kasing style ng agents is bbigyan ka nalang nila ng discount sa AF, kasi di na daw sila nag wwaive this year (haha), then ittry daw nilang iforward yung request ko sa dept nila wait nalang daw ako ng 3 biz days. E since madami akong card (at 1 point I had 7 cards I think, di ko naman din ginagamit), iinterrupt ko nalang agad na icancel nalang yung card. Konti palusot ng agent para hindi mo ituloy pero pag di ka nag papigil, bigla nalang nila sasabihin, ok na sir, waived na po yung card, keep nalang po yung card kahit di nyo pa sya plan gamitin baka in futute magamit.

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[dr. d]

Pano to sir? Basta email lang sa expressonline*bpi.com.ph and include some needed details? Mabilis naman ang response? Can they also do card cancellation here? My payroll account is bpi kaya ok talaga sana si bpi.
-------


Usual kasing style ng agents is bbigyan ka nalang nila ng discount sa AF, kasi di na daw sila nag wwaive this year (haha), then ittry daw nilang iforward yung request ko sa dept nila wait nalang daw ako ng 3 biz days. E since madami akong card (at 1 point I had 7 cards I think, di ko naman din ginagamit), iinterrupt ko nalang agad na icancel nalang yung card. Konti palusot ng agent para hindi mo ituloy pero pag di ka nag papigil, bigla nalang nila sasabihin, ok na sir, waived na po yung card, keep nalang po yung card kahit di nyo pa sya plan gamitin baka in futute magamit.

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why would folks have more than 1 or 2 credit cards?
personally, i have had only one CC all my life.

[MR_BIG18]

why would folks have more than 1 or 2 credit cards?
personally, i have had only one CC all my life.

i have only two....my first one since 2002(metrobank)....2nd one (hsbc) since 2012, for 36months 0% appliances and 2 gym memberships.. we pay fully when the billing comes...parang less than 5k only for both cards..we use debit cards on groceries, cash when eating out...

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[Wh1stl3r]

why would folks have more than 1 or 2 credit cards?
personally, i have had only one CC all my life.

Pays to have at least 2 when travelling doc. Should be from different banks/credit card companies. Just in case something goes wrong with one, you'll have a spare.

[kreme]

why would folks have more than 1 or 2 credit cards?
personally, i have had only one CC all my life.

Just started working during that time so I just accepted the offered cc from payroll and offered cc from savings. Then applied another separate cc based from my needs(rebate cards). In my case parang ang saya lang na marami card during that time. :|

Pero right now, yes 1-2(diff banks) is the optimal # for me also. Siguro maganda lang sa maraming cc is the very wide range of promo and freebies that each bank offers. Downside, very high risk of losing/hacking/etc and hassle waiving AF. Pero usually naman same promos narin silang lahat, nag kakaiba nalang is visa vs mc.

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[boybi]

why would folks have more than 1 or 2 credit cards?
personally, i have had only one CC all my life.

In case something went wrong when using the card (offline, etc,) you have spare cards.
To avail of the different promos offered by each card.
For emergencies when travelling abroad (higher credit limit from the combined limits of each card)

[Mask Rider Blac]

Pano to sir? Basta email lang sa expressonline*bpi.com.ph and include some needed details? Mabilis naman ang response? Can they also do card cancellation here? My payroll account is bpi kaya ok talaga sana si bpi.
-------


Usual kasing style ng agents is bbigyan ka nalang nila ng discount sa AF, kasi di na daw sila nag wwaive this year (haha), then ittry daw nilang iforward yung request ko sa dept nila wait nalang daw ako ng 3 biz days. E since madami akong card (at 1 point I had 7 cards I think, di ko naman din ginagamit), iinterrupt ko nalang agad na icancel nalang yung card. Konti palusot ng agent para hindi mo ituloy pero pag di ka nag papigil, bigla nalang nila sasabihin, ok na sir, waived na po yung card, keep nalang po yung card kahit di nyo pa sya plan gamitin baka in futute magamit.

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Yes, Sir, through their expressonline e-mail address. Mabilis this year, less than 2 hours nagreply na. The following week reversed na. Two prior years mga 2 months bago nagreply. Nevertheless, granted din ang request for reversal.

Hindi pa ako nakatry ng ibang request pero try niyo po.

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