What Are You Thinking About?

[papi smith]

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

Is the virtual card or e-credit card really foolproof? Our CC comes with one free. but we still buy debit cards for online purchases.

[dreamur]

Is the virtual card or e-credit card really foolproof? Our CC comes with one free. but we still buy debit cards for online purchases.

Virtual CC has a lower credit limit than the main card so you can use it as your default online purchase card (paypal, amazon, lazada, etc.). So risk is relatively lower in case of hacking and you can control your spending limit.

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[dreamur]

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

I didnt realize that. I thought non-USD cards are always billed in the local currency. Do you have to request for a specific billing currency for each transaction?

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[shadow]

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

May kilala ka na nag swipe ng CC for car purchase na?


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[SpinCycle]

From my experience, the dealer will only allow up to 100,000 to be charged to a buyer’s CC. There are exceptions for regular customers.

I used my Citibank card before and was able to get points for my purchase. Maybe other banks are not so generous.


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[dreamur]

Dapat ipa-tulfo to...

COA red flags PTV's P6-M payment to Tulfo's program for airing DOT ads | News | GMA News Online

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[baludoy]

Dapat ipa-tulfo to...

COA red flags PTV's P6-M payment to Tulfo's program for airing DOT ads | News | GMA News Online

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Haha!

Nabitag ang nambibitag! [emoji23]

do what you gotta do so you can do what you wanna do

[papi smith]

I see, so at risk pa rin pala though lesser in value. In that case, we wll continue to buy prepaid CC, really safe for 300 kesos per 1.5 years, I do online loading only when I need to use na, and allowed naman till 100k, mas mataas pa sa CL ng current CC namin

Virtual CC has a lower credit limit than the main card so you can use it as your default online purchase card (paypal, amazon, lazada, etc.). So risk is relatively lower in case of hacking and you can control your spending limit.

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[brushless]

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

Like I've mentioned, your cc will decline you with that amount. You'll have to call them up for verification hassles. Besides, car dealers will flat out refuse cc payment for cars. What if you don't pay and the car is already under your name? Things will get legally complicated.

[SpinCycle]

Like I've mentioned, your cc will decline you with that amount. You'll have to call them up for verification hassles. Besides, car dealers will flat out refuse cc payment for cars. What if you don't pay and the car is already under your name? Things will get legally complicated.

The CC and dealer did not decline my purchase


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[jut703]

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 ...

Thanks for your inputs bro.

I only use my payroll account when withdrawing. For my expenses, I already track them anyway regardless if I pay via cash or card. For my fuel, I have my fleet card. I also rarely buy anything more than 3k.

Seems to me that you get rewards when you spend a lot, which I don't. Ok na tong libreng credit card. [emoji23]

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[brushless]

The CC and dealer did not decline my purchase


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What dealer was that bro?

[dreamur]

Hmmm....danda.

From twitter

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[cast_no_shadow]

Hmmm....danda.

From twitter

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Ano ni Calida yan bro? Bakit issue?


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[dreamur]

Ano ni Calida yan bro? Bakit issue?


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No idea bro. Naka leave pa daw ung dalawa hangang ngayon. Birds of the same feather talaga...

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[_Cathy_]

Is the virtual card or e-credit card really foolproof? Our CC comes with one free. but we still buy debit cards for online purchases.

Ako naman takot sa debit card. Never used one. Yung e card ako ako nag set ng limit. Dati 5k tapos 25k na ata now.

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[dreamur]

Aside from the points earned from purchases, credit card provides safety snd security. You lost your wallet, just call the bank and cancel your card or have it blocked. When you travel, you do not have to carry different currencies or queue inline at the FX counter. Also avoid the embarrassment of standing behind the counter only to realize you do not have enough cash with you. The key is to pay it full and on time.

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[jut703]

Aside from the points earned from purchases, credit card provides safety snd security. You lost your wallet, just call the bank and cancel your card or have it blocked. When you travel, you do not have to carry different currencies or queue inline at the FX counter. Also avoid the embarrassment of standing behind the counter only to realize you do not have enough cash with you. The key is to pay it full and on time.

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Yes definitely agree bro. When I'm abroad I use my credit card almost exclusively, minimal cash lang kasi laki ng patong ng money changer. Useful din for online purchases. But any card will do - doesn't have to be fancy naman.

I think having one card is a great convenience. But right now I don't see the need for many cards yet. Baka pag nagkapamilya na ko. [emoji23]

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[SpinCycle]

What dealer was that bro?

Subaru sir


The benefit of credit cards for me is that I don’t have to bring a lot of cash when purchasing items like groceries, appliances, clothing, plane tickets, etc.

And the rewards points are a nice bonus as well.

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[minicarph]

I paid credit card for my Shangrila wedding venue before, 300k ++ down. I earned converted estimated 5000 cash From the points. Hihi.