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  1. Join Date
    Mar 2003
    Posts
    2,999
    #1
    DO we really need the Gold card? aside from the higher credit limit and mas prestigous color ng card . whats are the other advantages of having Gold?
    may promo citibank upgrade to gold waived ang first year, kaso ang mahal ng annual fee 2,500 compared to 1200 lang sa silver. credit limit naman ng silver is above 70k narin mataas na masyado for me.

  2. #2
    Well if your not a heavy user the Silver will do. Now if your a heavy user you might want to consider the Gold (40K and above ave monthly bill), aside from the "prestige" kuno, you get more benefits like Asia Miles points, discounts, freebies, etc.

  3. Join Date
    Oct 2002
    Posts
    4,801
    #3
    Kung heavy user ang Gold, how much more kung Black Card?!

    Maybe we should ask Imelda Marcos ;)
    Last edited by Karding; July 8th, 2005 at 02:09 AM.

  4. Join Date
    Jan 2003
    Posts
    1,528
    #4
    Quote Originally Posted by Karding
    Kung heavy user ang Gold, how much more kung Black Card?!

    Maybe we should ask Imelda Marcos ;)

    ...meron sa amex, they call it "black centurion" card. enough credit to purchase a small yacht. magkano kaya AMF nun?

  5. Join Date
    Oct 2002
    Posts
    665
    #5
    sa US common ang walang annual fee. ang alam ko merong mga AMEX na unlimited ang limit. as in kung hanggang magkano ang kaya mo (well depende kung mabigyan ka nito is another thing)

  6. Join Date
    Oct 2002
    Posts
    665
    #6
    kung papiliin ako sa silver na lang (Phil scenario), pareho din yun babayaran mo rin naman yung chinarge mo e, unless na yung gold e merong "cashback".

  7. Join Date
    Oct 2002
    Posts
    4,801
    #7
    Quote Originally Posted by scarab
    ...meron sa amex, they call it "black centurion" card. enough credit to purchase a small yacht. magkano kaya AMF nun?
    While people insist a few of those fabled cards were provided to the ultra-privileged (those who had millions of dollars in American Express bank accounts; Imelda Marcos and the like) from 1984 to 1987, and a 1988 Wall Street Journal article appears to support that claim, whatever the truth about those chargeplates of lore, in 1999 the corporation finally bowed to the belief and began openly offering a real card at least somewhat in line with the rumor.

    "There had been rumors going around that we had this ultra-exclusive black card for elite customers," says Doug Smith, director of American Express Europe. "It wasn't true, but we decided to capitalize on the idea anyway. So far we've had a customer buy a Bentley and another charter a jet."

    The card cannot be applied for; it is either proffered by AmEx or it is not. As to how the company decides whom it should offer the preferred plastic to, according to American Express their applications for Centurion cards are generally provided to customers who annually charge $150,000 or more to other AmEx cards. Centurion cards are not offered to anyone who has been a cardholder for less than a year.

    http://www.snopes.com/business/bank/blackcard.asp

    Galeng ng AMEX ah.

    Teka, back to the topic ulet!
    Gold or silver at depende din naman kung magkano ang kailangan mong i-charge.

  8. Join Date
    Jun 2005
    Posts
    4,313
    #8
    Pag GOLD, medyo sikat ka. Pag SILVER, okay lang. I would opt for silver. Pero kung bibigyan ka ng GOLD even without asking for it, just like what BPI did to me, tanggapin mo na rin. Whatever the color, we must be very smart in using the cards.

  9. Join Date
    Oct 2002
    Posts
    21,244
    #9
    aside from higher credit limit, mas maraming benefits and privileges ang Gold card, like insurance, double points, etc. and most credit cards waive their annual fee naman if you spend more than 150K per year.
    Signature

  10. Join Date
    May 2004
    Posts
    1,175
    #10
    if you're a heavy user and a traveler, you may want to get the gold. otherwise, silver will do.

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GOLD vs  Silver credit card.