Credit Cards w/o Annual Fees

[mda]

Thanks for all the replies so far.

Di ko pa actually natatawagan yung mga ibang banks... medyo busy pa sa work hehe.

Re: cards requiring a 'high' spend amount per year... di sa card ko nanggagaling yung groceries/gas etc so I doubt umaabot talaga ako ng yearly outlay ng mga 500K+

Dami rin ako kilala nag rrevolve lang with the minimum monthly payments... pero I pay the card immediately via online banking after I make a purchase.

[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..

[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...

[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]

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.

[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?

[_Cathy_]

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

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

My Mom got questioned by immigration here in Manila (going to US). This was definitely before 2011. Nakapkap yung cash sa kanya. Buti senior Mom ko and she chose to take the wheel chair so they didn't give her a hard time.

What sucks pa the max amount is supposed to be PER FAMILY (nuclear) not per person

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[ninjababez]

BDO Titanium (300T / 360T)
BDO Platinum (420T)
Citibank Cash Bank (minimum spend 180T annually)
HSBC Premier (Lifetime waived)
Metrobank Platinum (Lifetime waived)
Security Bank Platinum (240T)

yun metrobank platinum visa bro 4.5k annual fee