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  1. Join Date
    Nov 2005
    Posts
    7,632
    #1
    my wife and i don't go for credit cards. we preferred

    cash. pag hindi kayang bilhin talagang tiis tiis muna.

    it is my decision not to have any nanghihinayang kasi ko sa

    annual fee. hindi ka pa umuutang me utang ka na.

  2. Join Date
    Feb 2005
    Posts
    3,299
    #2
    Isa pero bihira kong gamitin - pag emergency lang like off line ang ATM pero may kailangan bilhin. Years ago, dalawa tas tira ng tira then natututo ako ng proper financial management so I paid all my dues dun sa dalawang card and dropped the other card.

    Like XTO, kung hinde ko pa kayang bilhen, ipon muna. However, kung hinde talaga kaya and/or hinde practical bilhin, then I forget about the whole thing. - kung ano man yung gusto kong bilhin.

  3. Join Date
    Dec 2005
    Posts
    38,794
    #3
    Dalawa:

    1. BPI (at iyong libreng Express Credit + Card for Online Purchases) - local use
    2. Shell-Citibank - for my petrol purchases, utility bills payment (CitibankOne) and international purchases.

    I pay in full for whatever purchases we make for both cards. Tipong control ang pinapairal namin para hindi bumibili ng wala sa budget o hindi naman kailangan...

    :starwars:
    Last edited by CVT; November 10th, 2006 at 01:59 PM.

  4. Join Date
    Nov 2006
    Posts
    12
    #4
    nagbabalak palang. parang ok kasi yung mga promo na zero percent interest na installment.

    bakit pala yung iba ang daming credit card?

  5. Join Date
    Jan 2003
    Posts
    401
    #5
    one, but seldom used, it's for emergency purposes only. with extension for the wife and 16+ yrs old kids.

  6. Join Date
    Nov 2002
    Posts
    3,152
    #6
    just one so i wont have problem sorting bills

    have epcib travel card so they would send me separate bills if i us ethe card on dollar purchases

  7. Join Date
    May 2005
    Posts
    130
    #7
    If you are a person who knows how to control and manage your finances wisely, credit cards are great inventions for you!

    If your credit is in good standing, they will even discount your annual fee.

    And the annual fee is compensated by the great convenience and perks that credit cards offer.

    I have 2 credit cards.

  8. Join Date
    May 2005
    Posts
    130
    #8
    Ang pinaka gusto ko sa credit card, all my monthly utility bills are automatically charged to my credit card, so I don't have to remember anymore DUE DATES from Meralco, CABLE TV, or broadband subscriptions.

    Hindi ko na rin kailangan pumunta pa at pumila sa mga bill payment
    centers para magbayad ng Meralco at PLDT.

    Masarap ang may credit card!

    Conclusion is: Credit cards are only designed for disciplined people. Kung wala kang disiplina sa sarili, credit cards will not work for you.

  9. Join Date
    Oct 2006
    Posts
    746
    #9
    BPI card:
    Classic- for local use (mas maliit kz ang interest & i used it often)
    PetronBPI- for int'l & local

    ALLIEDVISA card

    Sir XTO ...maganda den me creditcard for emergency purposes....dagdag ID den sha....especially when ur applying for a visa(when travelling)...the more u have it ...the better...kelangan nga lang control....what wer doin is nd kme nagppa raise mashado ng credit limit

  10. Join Date
    Dec 2003
    Posts
    11,317
    #10
    primary - BPI Gold mastercard express credit
    secondary - Metrobank visa classic
    tertiary - PSbank visa (di ako nag-apply pero pinadala lang bigla :confused: )

    edit: all card statements are company paid btw ;)
    Last edited by BlueBimmer; November 10th, 2006 at 03:13 PM.

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Ilan Credit Card n'yo?