nugundam93: Ah yes, wife ko din dati for like 3 years di naprocess ang change of address, every month nya inuupdate/hinihingi hehe...
nugundam93: Ah yes, wife ko din dati for like 3 years di naprocess ang change of address, every month nya inuupdate/hinihingi hehe...
ako almost 3 years na walang credit card![]()
ngayon hirap akong kumuha kasi walang akong ITR.
pero malapit na akong mag-aaply sa BPI. sana ma-approved kahit kulang docs ko![]()
dati naapprove ako principal card kahit walang ITR.nagtataka nga ako kung baket eh. hahaha
Okay sa alright ang CITIBANK Mastercard. Dalawa ang Citibank credit card ko. Isang Shell saka isang regular. So nakaka-ipon ako ng GAS rebates sa Shell. At meron pang 24-Hour Roadside Assistance Service.
Wala pa naman akong na-encounter na hassles sa Citibank. Automatic nilang tinataasan yung credit limit ko without asking them. At ang pinaka-gusto ko sa lahat eh yung internet banking nila.
Ang bad trip lang ako eh yung Cash Advance, meron kagad na minimum na P300 cash advance fee kapag nag-withdraw ka ng pera sa credit card account mo. Dati wala namang ganito. Di ko lang alam kung ganun din sa ibang banks. Hindi na tuloy ako nag-wi-withdraw ng pera sa credit card account. Ayos din yung mga ZERO % interest promos nila.
The SCB credit card is practically one of the worst value credit cards out there.
The rewards points sucks and the whole system behind is suspiciously run manually off an excel spreadsheet.
The SCB Gold card is nothing more than "gold" but there's really nothing behind it.
Get your statements and transfer to Citibank or HSBC.
Kami ng wife ko merong Citibank, BPI, BDO, metrobank, Unionbank dati. Ngayon Citibank, BPI, BDO na lang tinira namin dahil bulok din ang iba.
Favorite ko pa rin yung Citibank dahil lahat ng pinamili mo pwedeng i-paylite. Kahit Pegasus. He he he...
Pwede ba gawin nating Credit Card Experiences Thread...
My experience is a nightmare on my HSBC Classic mastercard. I used to have a Mabuhay Miles but was advised by a Call Center Agent to change to classic to wave the annual fee. The classic card was delivered deactivated. Since I have several cards, I forgot to bring the said card for a month and when the bill came voila!!! annual fee amounting to P1,500 is charged.
I called up HSBC inquiring about the charge and was told to pay it and will be debited. WTF, I made the switch TO WAVE THE ANNUAL FEE and now is asked to pay for it. I did not pay because I know that the reversal is still subject for approval. I have called up HSBC 9 or ten times to cancel it but up to now is still receiving bill with late charges, finance charges. ETC.
Last January I made a letter-request (Is this normal?) to cut-off all my cards duly received(I used to have two (2)). But to my surprise i still received another bill due on March.
Really pissed with that company. BTW, I have AmEx, citibank, east-west bank, standard chartered Gold, Union bank, Metrobank and Allied Bank Mabuhay Miles.![]()
I would advice you to get Citibank.....and of course, for girls like me... HSBC... Well, if you have BPI account, oks lang.
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Ang advice ko...
Cash is King!
No paper trails. No one can query for buying patterns and upsell related stuff.
Downside is takaw holdap, but this can be prevented.
bpi na yan. hehehehe
sakin dami tumatawag ang standard chartered asking for application of credit card..sabi ko "si satanas yang credit card e, and i prefer paying in cash. thanks anyway" :D
harass.... hahaha... no, I'm kiddin'.... cash is better pero tama yung sinabi ni .....sino na ba yun ???? problem mo lang is hold-upOriginally Posted by caloyski5
yup, hold up nga lang..hehehe
pero seriously, sobra kung tumawag yung mga standard chartered tele marketers, nagkapoint every other day ako tinatawagan!
Yeah, there are even times when they call early in the morning. :bwahaha: ...is that *toot* ??? sorry, ayoko sabihin... hehehe.....Originally Posted by caloyski5
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Well, gave up on SCB na, lintek sila 5x na ako tumawag, don't wanna cuss and swear on another incompetent SOB...
Went and got a gold BPI instead..
maybe you mean "Kumulo ang dugo" and not "kumulo ang ulo" hehehe
joke! Peace!
BPI and Citibank are giving good rewards. BPI for local use and Citibank for International use, it is the most recognized creditcard abroad.
Citibank and BPI for me...credit limit automatic tinataasan. ok ba yung MTV card?
Veed,
Balita ko yung BPI card mo di daw honored sa tambayan mong Pegasus at Genie?