GOLD vs Silver credit card.

[promdiboy]

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.

[ILuvDetailing]

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.

[Karding]

Kung heavy user ang Gold, how much more kung Black Card?!

Maybe we should ask Imelda Marcos ;)

[scarab]

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?

[Karding]

...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.

[Rediesel]

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)

[Rediesel]

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".

[j_avonni]

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.

[boybi]

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.

[silhouette]

if you're a heavy user and a traveler, you may want to get the gold. otherwise, silver will do.

[bluntman]

What about a platinum card?

[chieffy]

tulad ng sabi nila mas maraming privileges ang gold card at kung heavy user ka mas okay ito assuming that you pay in full kapag dumating ang bill mo...sayang ang points sa mga reward system ng mga card companies

langya di ko alam yung black card ng AMEX ah...matindi talaga mga marcoses noon...

bluntman AMEX and other companies offer platinum cards....credit limit nito usually 200k pataas...unfortunately most gas stations here in the phils dont accept AMEX cards anymore dahil ang taas daw ng surcharge(not sure of the term) na ibinabawas nito sa mga merchant(like gas stations)...

[shadow]

What about a platinum card?

just got mine 2 months ago from AMEX, 250k yata ang limit then additonal 50k or 100k yata aftr 1 year kung good credit standing daw... ang mganda maramiong benefits like VIP lounge sa airports, insurance sa mga travel i.e. delayed flights, loss baggage , they will give ytou a certain amount to buy clothes kung nawala yun baggage or na delayed etc..meron silang isang folder na binigay and andoon yun mga benefits.. so ang ginawa ko is cancelled ko na yun ibang cards ko, but I retained 1 visa and a mastercard, I now just carry 3 cards, I think it's more than enough for me....

[boybi]

just got mine 2 months ago from AMEX, 250k yata ang limit then additonal 50k or 100k yata aftr 1 year kung good credit standing daw... ang mganda maramiong benefits like VIP lounge sa airports, insurance sa mga travel i.e. delayed flights, loss baggage , they will give ytou a certain amount to buy clothes kung nawala yun baggage or na delayed etc..meron silang isang folder na binigay and andoon yun mga benefits.. so ang ginawa ko is cancelled ko na yun ibang cards ko, but I retained 1 visa and a mastercard, I now just carry 3 cards, I think it's more than enough for me....

ano AMEX mo? yung AMEX ko galing Equitable, bakit hindi ko yata alam yung benefits na VIP lounge sa airports, etc? Dark green pala yung color ng card ko.

[shadow]

ano AMEX mo? yung AMEX ko galing Equitable, bakit hindi ko yata alam yung benefits na VIP lounge sa airports, etc? Dark green pala yung color ng card ko.

boybi, hinde yun sa equitable galing sa akin sa AMEX mismo galing, kulay silver tapos meron nakasulat na platinum....

[ILuvDetailing]

Yup Master and Visa lang tinatanggap sa Gas stations.

[the_wildthing]

Wala akong nakukuha sa Gold card ko. Kundi waived annual fee every year. Hehehe.

Just tell them di mo na gagamitin kasi may ibang bank magbibigay ng libre. They will probably waive theirs too.

[mrpink]

.. additional discounts lang or promos .. nung summer .. nag-request yung mga ibang staff ko na samahan ko sila mag-shopping sa nike womens sa greenbelt dahil 20% off yung items kung gold card ang pambayad mo ..

[1D4LV]

imho, not all gold cards have high credit limits. meron ako Union Bank Visa Gold. ang credit limit nya is 60,000.00 lang. hehehe.

compared to my other gold cards:

Standard Chartered : 200,000.00
Security Bank: 250,000.00

[luckytruck]

sandali, libre pala ang annual fee kung heavy user? anak ng tokwa, i have been spending over P15,000 a month with my credit card, tapos wala pang libre. mukhang na-iisahan ako

andy