Results 21 to 30 of 57
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November 10th, 2006 07:40 PM #21
Kahit may balance ka pa, IT WILL WORK...I've done this with 2 of my credit cards, Citibank MC and BPI Express...actually sa BPI Express, waived pa nga ang annual fee ko for 2 years..
I presently have 4:
Citibank MC - I've had it since 1995, my first card. But I haven't used it for over 4 years, kaya I wanted to cancel it na. But everytime, sabi ng Citiphone Officer, waive na lang annual fee.
BPI Express - Eto gamit ko madalas, because of the SIP. Also, before the
surcharge thing, cash price = card price in major appliance
centers
BPI Worldperks - libre lang kasi, plus I received free points, pwede i-redeem
when you want to travel
East West MC - libre din, but I havent used it since they mailed it to me
(without my consent) in Feb 2006.
My technique to control spending is NEVER to bring my cards. Iniiwan ko lang sa bahay, para walang spur-of-the-moment spending splurge. Only when I've made up my mind to buy something, tsaka ko lang dadalhin.
I also prefer paying in cash to control my spending.
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November 10th, 2006 07:55 PM #22
I have 5 and 2 for my wife
me:
bpi
citibank mastercard
citibank visa
amex
hsbc
wife:
bpi
bdo
Friendly advise. Pa cut nyo na mga credit cards nyo. Itira lang isa or 2. BPI ok. Leave HSBC. Madelay kalang ng konti tatawagan kana at ang babastos pa. Excuse me po sa mga taga HSBC. citibank malaki ang convertion rates when buying online like amazon.
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November 10th, 2006 08:53 PM #23
uuhhmmm 7 plastics in my wallet
HSBC - ext from mom
citibank visa - mine
lanbank visa - mine
and the rest are debit cards
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November 10th, 2006 09:47 PM #24
Citibank Visa Platinum
ok na sana ang citibank, use it in paying all my phone n elec. bill thru online, but last month oct.14 when I made a payment for my kids educationaL plan thru online, first I thought ok na kasi may transaction number naman binigay and lumabas naman sa account activity the following day yun payment ko , last week when I'm making a f-up for the o.r. that i've paid sa plan company, sabi nila wala pa daw silang narereceived na payment ko, so I call up citibank what happen, until now under investigation pa rin another problem is yun isang online payment ko nun last oct.17, oct.25 lang nareceived ng 3rd party :down: buti na lang hindi meralco yun kundi naputulan na kami siguro ng kuryente
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BANNED BANNED BANNED
- Join Date
- Dec 2005
- Posts
- 118
November 10th, 2006 10:01 PM #25I have 8. But most of the time, I'm using BPI Gold Credit or the BPI World Perks. I used to have 3 from citi but cancelled the clear mastercard, sayang kasi yung monthly. Also HSBC Visa Gold and Standard Chartered Gold. You should really have a good financial discipline when using your card. I'm lucky to have a good manager in the person of my wife. hehehe. I'm maintaining it just for emergency. Better if you can have a credit line of 3 Million, kahit isang card na lang. hehehe. Well, with that credit line, you can even buy a luxury car on the spot.
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November 10th, 2006 10:19 PM #26
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November 10th, 2006 10:30 PM #28
hala mag amex black ka na lang! hehehehe! unlimited spending limit... the ctach is my minimum spending... and one cant just apply for it dapat i alok sayo ng amex..
CCs the devil in plastic! hahahaha!!! so tempting to spend pag may hawak kang CC hahahaha!! i have learned my lesson.. hahahaha! it makes life so convinient pero may downside talaga pag gastador.. hahahaha!
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couch potato
- Join Date
- May 2005
- Posts
- 1,384
November 10th, 2006 10:44 PM #29i actually use my CCs for most of my purchases .. para recorded yung mga gastos ko .. kung may cash kasi ako sa bulsa .. nauubos lang hindi ko alam kung bakit .. pero full bayad yan which i pay online once the statement comes in .. i have visa for personals, shell-mc for gas, diners and amex when i travel just to make sure i'm covered ...
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November 10th, 2006 10:51 PM #30
I only have one, which is sufficient for my needs since I only use it to pay for my utility bills for convenience. Dito sa probinsya di pa gaano ka-widespread ang gamit ng credit card, I don't even use mine when I buy the groceries
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