What Are You Thinking About?

[brushless]

How did you get this?

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Not sure. They mailed it to me and I thought it was some junk mail.

[StockEngine]

How did you get this?

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perks ng cc and partner establishments?

we sometimes get forwarded ng mga freebies & discounts. we had free buffet at a hotel, day passes sa resorts. unpublished discounts that i sorta post here lol.

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[dreamur]

Next time bros! I would've loved to join but I had a prior meeting. Sabi nga ni bro *Whistl3r, always have a side hustle. [emoji16]

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Ditto. Next time count me in. Actually nagpasama si bossing sa cloud 9 eh.



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[dreamur]

What are the benefits of having more than one credit card?

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MC and VISA. Some countries only "prefer" one of the 2. If you have a dollar account request a BDO-AMEX which you can you use to buy in USD and pay in USD. No worries on FC swings.

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[minicarph]

Bro have you actually done that???

I have a friend who used to work in Citi, and he told me that there was only one case in the country where a person used his cc to purchase a vehicle... That was over ten years ago, and so may have changed....

My cards credit limits, individually, will not be able to buy an SUV....

My 5 cards can yield me 1 montero sports if I pursue it. The technique is to take advantage of the cash facility. Ive been contemplating on doing this since, pero kasi aaprove naman ako car loan sa bank eh so syempre mas maliit at mas fixed ang interest.

[Walter]

I don't know the grounds because he does not like talking about it

Battered husband? ...

[Walter]

Ano advantage pag "high-end" yung card?

Some are free for life ... they offer these to those with large bank account balance ... also earns points faster and they have better reward offers ... Black cards supposedly have no credit limit ...

Used to have just 1 card ... now have 2 cards ... one for personal ... another for re-reimburses ...

Cash back cards are good ... 5% rebate for grocery ... 4% for fuel ... 3% for utility bills ... 2% for dining ... 1% for shopping ... Security Bank ... max of 1000 cash back per month ...

[Walter]

Ano benefit ng higher credit limit bro?

Bragging rights(?) ... and better for the one who clones your card ... usually ask the bank to lower my credit limit and they wonder why ... one can always ask for temporary increase of credit limit when the need arises ... like when going on vacation or making a large purchase ...

[Walter]

Bawal ba debit card or cheke pag sa hospital?

Debit card is accepted ... what you can do is have separate accounts for your debit card and main savings account for protection ... just leave 5,000 or so in ATM / Debit account ... transfer online when the need arises ... don't request for ATM card from your main account or never use / activate the main account ATM card ...

Credit cards can be used to keep track of expenses ... you get a free list of your expenses monthly ... I use credit card even for less than 100 purchases at the grocery ... better if you have a cash back or rebate card ...

*jut ... having a fuel rebate credit card would be useful to you since you use a lot of fuel ...

Security Bank Cash Back Card is still more useful since they don't have conditions on the rebate ... other cards require you to make a similar amount of non-fuel or non-grocery purchase before you can get a rebate ... For example, to get a 3% or 5% rebate from 10,000 worth of fuel purchase ... you need to have an equivalent 10,000 of non-fuel spending like shopping or grocery ...

[Walter]

In other countries, it is good as cash and we are moving in that direction ...

In fairness, the guards of Robinsons Las Pinas question them, but did they give up their slot? No, makapal mukha nila e.... Pero sa ibang bansa, bahag mga buntot nila sa pagiging law abiding.

Because in other countries the penalties and consequences are enforced ...

[dr. d]

It's common sense though. If you only pay the interest and then keep purchasing month on month, then it will balloon up.

you and i, and many others, know that.
but as ravenblack says, common sense is actually an uncommon sense.
understanding how your credit card makes money (at your expense!), is feigned rocket science to some folks.
...if the card enables them to get something that they otherwise wouldn't be able to acquire.... to hell with the scheduled payments!

[minicarph]

credit cards dont make you settle for 2nd best. you get what you really want coz at times, mga 1 t o 1/2 month pa ang payment due.

that's the most logical explanation. 100% satisfaction guaranteed.

[brushless]

I always pay before the due. No failure. No debt.

It's pointless paying your car by cc. I know you want to accumulate points. It's so much hassle because you're going to get declined regardless even if you have a sky high limit. You can't just walk in the dealership and swipe. You have to call them up and explain the hell you're trying to do. Lmao! You're just going to alert your cc's fraud department.

If you want to accumulate points, pay your company's purchases instead, like, booking a hotel online and paying for plane tickets.

[dr. d]

It's pointless paying your car by cc. I know you want to accumulate points. It's so much hassle because you're going to get declined regardless even if you have a sky high limit. You can't just walk in the dealership and swipe. You have to call them up and explain the hell you're trying to do. Lmao! You're just going to alert your cc's fraud department.

.

kung pumayag, go for it!
it doesn't cost anything to talk to them.

[brushless]

double post.

[brushless]

kung pumayag, go for it!
it doesn't cost anything to talk to them.

Too much hassle. I'll just pay MC and that will be it.

[Walter]

Hindi ba olats sa interest if you use CC instead of the usual car loan? Unless of course you did it for convenience and intend to pay at cut-off, or you have a special installment plan lower than bank rates.

Credit card was used to purchase for convenience ... bill was probably paid in full and not installment ... could've been cheaper to pay in cash ... or maybe there was no cash discount ... imagine how much points the owner earned from the purchase ... that's assuming cash and credit card prices were the same ...

[shadow]

Credit card was used to purchase for convenience ... bill was probably paid in full and not installment ... could've been cheaper to pay in cash ... or maybe there was no cash discount ... imagine how much points the owner earned from the purchase ... that's assuming cash and credit card prices were the same ...

Meron ako narinig or nabasa. Walang points earned pag sa pag down ng kotse ginamit or pagbili ng kotse.


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[Walter]

If you have a dollar account request a BDO-AMEX which you can you use to buy in USD and pay in USD. No worries on FC swings.

You can also do this with BDO Gold and up credit cards ... also request for a virtual card for online purchases ...

[Walter]

Too much hassle. I'll just pay MC and that will be it.

You have to go to the bank, fill out a form and wait for the MC ... Credit card you just swipe and sign? ...