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Forum Topic

*Credit Card 101

  • Citibank Rewards and Citibank Shell, how much usually approved limit sa dalawang yan? Napaapprove ako nung nag apply ako rekta sa Citibank head office. Hehe. Sabi ko rewards lang kasi free for life ang annual fee. Pinaapprove pati Citibank Shell.
  • ^
    shared limit si citi

    imagine this, 6 digits ako sa ibang banks low utilization pero 20k lang limit ko sa citi
  • hsbc offered me another card with free am tourister spinner luggage.. mukhang kukunin ko na naman to haha...

    then cut pag maniningil na ng AF lol...
  • hsbc offered me another card with free am tourister spinner luggage.. mukhang kukunin ko na naman to haha...

    then cut pag maniningil na ng AF lol...


    naisip ko rin yan, haha

    may agents kasi sa Mega at nakita ko yung mga luggage, madali lang naman yung spend requirement nila..
  • Naghahanap din ako ng credit card promos na may magandang freebies and offers gaya nyan spinner luggage! Sayang di na ako pwede sa citibanks fitbits. :D
  • hsbc offered me another card with free am tourister spinner luggage.. mukhang kukunin ko na naman to haha...

    then cut pag maniningil na ng AF lol...


    usually merong holding period yung mga ganyang promo, na kesyo need mo i maintain yung card ng 2 years or else bayad ka ng price nung freebies nila

    meron ako nakuha sa Unionbank Getgo na free flight pero 2 years lock in or else charge ng P15k kasi short haul lang pinili ko
  • ^
    binasa ko terms and condition.. need ko lang bumili worth 5k hehe
  • ^
    binasa ko terms and condition.. need ko lang bumili worth 5k hehe



    kung yan lang ang terms edi wow hahaha, isang sapatos lang yan
  • 12.The Cardholder agrees not to cancel his/her HSBC Credit Card within 18 months from its approval date. If the Cardholder requests for card cancellation or if the redemption is found to be invalid, the amount of Php5,700 shall be charged to the Cardholder’s HSBC Credit Card account (“Cancellation Fee”). The Cancellation Fee must be duly paid by the Cardholder before the HSBC Credit Card may be cancelled by HSBC.

    HSBC T&C para sa latest promo nila ng american tourister luggage.

    -- edited by straycat on Feb 21 2017, 10:57 AM
  • ^^ thats what im talking about
  • straycat Send Message View User Items on 21 Feb 17 @ 10:57 AM #

    12.The Cardholder agrees not to cancel his/her HSBC Credit Card within 18 months from its approval date. If the Cardholder requests for card cancellation or if the redemption is found to be invalid, the amount of Php5,700 shall be charged to the Cardholder’s HSBC Credit Card account (“Cancellation Fee”). The Cancellation Fee must be duly paid by the Cardholder before the HSBC Credit Card may be cancelled by HSBC.


    waived ang 1st yr.. ang 2nd yr mo ay after 23months pa... libreng libre ka magpa cancel.

    -- edited by se17enteen on Feb 21 2017, 01:08 PM
  • advance ang AMF, so yung waived first year eh from day 1 to day 365 kaya after a year eh dun na lalabas yung AMF for the 2nd year.
    waived ang 1st yr.. ang 2nd yr mo ay after 23months pa... libreng libre ka magpa cancel.
  • ^ yup, end ng first year mo, start ng 2nd year mo may amf agad
  • that's why you're going to cancel it by month 19 onwards
    :D
  • advance ang AMF, so yung waived first year eh from day 1 to day 365 kaya after a year eh dun na lalabas yung AMF for the 2nd year.


    in my exp with hsbc, hindi sila sa start of year naniningil... 3 cards ko sa kanila now.. 2010 yung 1st kung di ako nagkakamali... lahat laging waived. never pa ako nagbayad ng AF kahit anong card/bank.
  • ^for citibank, sa first 365 days ng card, walang AMF na mababanggit, yun yung free (start date is January 2015, free for the year 2015). on my experience with citibank cashback, after 1 year dun meron nang AMF (January 2016 bill) that is applicable for 2016.
  • ^
    I also have Citibank cashback (favorite card).. di ko matandaan kelan sila naningil.. though hindi pa kasi ako nagbayad ng AF sa kanila... papasok sa bill ko pero auto reversed naman.
  • ^Auto reverse, meaning hindi ka nagre-request ng waive?
  • ^
    hindi na... minsan late yung autoreversal.. meaning yung auto reversal sa next billing na papasok.

    tatawag ako.. pero sasabihin irereverse na lang. wala na yung takutan / negotiation portion hehe..
  • auto yata pag naabot mo yung certain amount of transaction per yr.