Ilan Credit Card n'yo?

[karlbo]

i preferred cash pero sa business kasi kelangan ng credit card kaya ito ang ginagamit ko paminsan pag kelangang kelangan ko mamili...

I also pay my Phone Bill using my cards because Im not the one paying for it thou.. its under corporation expense..

citibank - Phone bills and some PAYLITE purchases..
Bpi - pambili ng mga paninda / grocery / BPI Madness gadgets (zero interest)
Amercian Express Platinum - for emergency lang ito.. never been used.

[Galactus]

tip: keep your credit in good standing. and when the renewal date nears, make sure your balance is zero.

then, a week or several days before the card's expiration, give your credit card company a call and tell them that you will be cancelling the card and will not be paying the annual fee anymore.

am sure they will renew the card sans the annual fee.

works for me everytime. with the stiff competition among credit card issuers, they could not afford to lose a good, obedient, paying client. they will earn more from you in the long run.

again this tip works only if you have no pending balance prior to the renewal date.

or maybe this will not work for all or with any credit card issuer...

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.

[uwak18]

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.

[GerardTagayty]

uuhhmmm 7 plastics in my wallet
HSBC - ext from mom
citibank visa - mine
lanbank visa - mine

and the rest are debit cards

[fortuner13]

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

[BoyFerrari]

tip: keep your credit in good standing. and when the renewal date nears, make sure your balance is zero.

then, a week or several days before the card's expiration, give your credit card company a call and tell them that you will be cancelling the card and will not be paying the annual fee anymore.

am sure they will renew the card sans the annual fee.

works for me everytime.

You can only call that bluff if it is really not a hassle to you to lose your card. Especially if you already earned a high credit limit for that card, you don't want to go back and start with the minimum credit limit all over again.

[number001]

the concern about annual fees is valid.

tip: keep your credit in good standing. and when the renewal date nears, make sure your balance is zero.

then, a week or several days before the card's expiration, give your credit card company a call and tell them that you will be cancelling the card and will not be paying the annual fee anymore.

am sure they will renew the card sans the annual fee.

works for me everytime. with the stiff competition among credit card issuers, they could not afford to lose a good, obedient, paying client. they will earn more from you in the long run.

again this tip works only if you have no pending balance prior to the renewal date.

or maybe this will not work for all or with any credit card issuer...

Think this will work on a Citibank Platinum Visa? Have a good credit standing, on time payments, no installments, and never a big spender (which I think is detriment in the banks's view). Thanks

[GasJunkie]

Need only 1 = Amex titanium.








:fly:

[D_rock_777]

ako dalawa kasi minsan hindi tintanggap dyan sa atin iyung isa kaya maintain ko dalawa. hsbc mastercard gold, amex gold.

iyung mga tips na nabanggit dito sa thread subukan nyo okay iyon....

[Sarsi]

1. citibank clear- for emergency purposes only
2. petron-bpi mastercard- for fuel only

[chua_riwap]

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.

Dati, meron ako Citibank at HSBC. Tinaasan pa nila yung credit limit ko. Pero nunng tumagal, at "natuwa" ako, naging PARUSA sa akin yung mga bayarin. Eventually, nabayaran ko naman lahat. After that, pina-cancell ko na.