Credit Cards w/o Annual Fees

[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.

Sent from my SM-G935F using Tapatalk

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...

Sent from my SM-G955F using Tsikot Forums mobile app

[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.

[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.

Sent from my SM-G935F using Tapatalk

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.

Sent from my SM-G7102 using Tsikot Forums mobile app

[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.

Sent from my SM-G935F using Tapatalk

[Juancdancel]

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!

Opt for AUB. Their annual fee is waived for life. You can enjoy flexible payment terms as well. Check their cards here: AUB Credit Cards - Best Promos & Freebies 217 | eCompareMo

[zurcmit]

I'll be working at Citibank, sana mapadali kuha ko ng credit card.

[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)

[jaggerx3]

I have BDO Gold Visa, pati BDO Cashback AMEX. Binabayaran ko muna yung bill except sa Annual fees, tsaka ako tatawag. Mabilis lang naman, at always approved since i always pay on time naman

Sent from my ASUS_T00J using Tsikot Forums mobile app

[starlighter]

From my research, the best no-annual-fee credit card is EWB Platinum but I saw the annual income requirement and holy ****ing **** it's P1.8 million! I have SB MC now (di ko na lang sasabihin kung ano, hehe pero el cheapo lang) but I am gunning for a new card this December, preferably something without annual fee. So I saw this article and figured you guys might be eligible. Hahaha!

Good luck sa mga gustong mag EWB Platinum or Bank of Commerce Platinum.

[starlighter]

I have BDO Gold Visa, pati BDO Cashback AMEX

How's the BDO Cashback AMEX pala? I'm looking at it too but for easier orders in the US. Ugh. Have you tried using it to buy something in the US tapos ship here via JA/MSB? I wanna get that Gcash AMEX kaso parang mas okay kung CC na lang kunin ko.

[yaniboi]

I have about 5-10 credit cards from different banks. And I don't even pay any of their annual fees.

Once the annual fee appears on your statement of account, just call their customer service (CS) and ask for a reversal of the annual fee. Of course, the better your credit standing is, the higher the chance for a reversal. Sometimes, they would only give you 50% discount.

Minsan nga tumawag ako sa kanila then sinabi sakin na 50% lang pwede nila i-reverse. Sabi ko "if that's the case, ipapa-cancel ko na lang 'tong credit card ko". Then sabi sakin ng CS na ire-reverse na lang daw nila ng 100% yung annual fee ko.

[sirkosero]

Metrobank has a credit card with no annual fees...

Sent from my ASUS_Z00AD using Tapatalk

[CVT]

I have about 5-10 credit cards from different banks. And I don't even pay any of their annual fees.

Once the annual fee appears on your statement of account, just call their customer service (CS) and ask for a reversal of the annual fee. Of course, the better your credit standing is, the higher the chance for a reversal. Sometimes, they would only give you 50% discount.

Minsan nga tumawag ako sa kanila then sinabi sakin na 50% lang pwede nila i-reverse. Sabi ko "if that's the case, ipapa-cancel ko na lang 'tong credit card ko". Then sabi sakin ng CS na ire-reverse na lang daw nila ng 100% yung annual fee ko.

Mahirap namang magbayad bro kung ganyang kadami ang CC. Nakakalito rin minsan...

For us, 2 for me and 2 for wifey, with our kids keeping one extension card each for emergency purchases and payment of tuition fees. BPI at Citi cashback lang - we are getting total of P2k rebate monthly.. okay na rin... Free naman annual fees...

Is Amore Visa okay?

[baludoy]

^ kaming mga mag kapatid never nabigyan ng credit card extension/s ng parents ko hehe parati tuloy ako either tipid or waldas. walang in-between eh

medyo ot: pinaka praning ako pag gumagamit ng credit card sa mga resto kasi hinahawakan ng waiter sa pagbayad tapos medyo malayo pa ang cashier. ang daming pwede gawin na kalokohan pag wala sa line of sight. pero ngayon emv chip equipped na medyo kampante na din ako.

[ninjababez]

^ kaming mga mag kapatid never nabigyan ng credit card extension/s ng parents ko hehe parati tuloy ako either tipid or waldas. walang in-between eh

medyo ot: pinaka praning ako pag gumagamit ng credit card sa mga resto kasi hinahawakan ng waiter sa pagbayad tapos medyo malayo pa ang cashier. ang daming pwede gawin na kalokohan pag wala sa line of sight. pero ngayon emv chip equipped na medyo kampante na din ako.

Ako naman kabado pag humingi ng ID, pero after covering cvv code with nail polish; di nako kabado masyado lol

Sent from my SM-C900F using Tapatalk

[CVT]

Ako naman kabado pag humingi ng ID, pero after covering cvv code with nail polish; di nako kabado masyado lol

Sent from my SM-C900F using Tapatalk

Joke namin ni wifey riyan kapag hinihingian kami ng ID - "wala ka talagang face value...".

I like Citibank when they text me of a purchase or a swipe made.... Real cool!

[badkuk]

I like Citibank when they text me of a purchase or a swipe made.... Real cool!

Sir pareho pala tayong mababaw ang kaligayahan afaik BPI and AUB me text na per swipe. With AUB me tatawag na actual person when you make out of the ordinary purchases (amazon). It seems to be a recent trend, started a few years ago

[shadow]

Sir pareho pala tayong mababaw ang kaligayahan afaik BPI and AUB me text na per swipe. With AUB me tatawag na actual person when you make out of the ordinary purchases (amazon). It seems to be a recent trend, started a few years ago

Matagal na yan. As far as I remember tumatawag na citibank sa akin 10+ Years ago pag meron unusual purchase.

Even sa abroad tumatawag talaga sila.

And 3x na ako tinawag ng citibank to replaced my cards dahil meron silang na detect na possible hacking.


Sent from my iPhone using Tapatalk

[badkuk]

hmm, not ng nagswipe ako ng large amount dati(hospital) ni text wala akong natanggap sa citibank. First time kong magswipe dun.