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oonaakona
on
20 Feb 17 @ 03:56 PM - click here for link
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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.
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prisonarchitect
on
21 Feb 17 @ 12:52 AM #
^
shared limit si citi
imagine this, 6 digits ako sa ibang banks low utilization pero 20k lang limit ko sa citi
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se17enteen
on
21 Feb 17 @ 09:00 AM #
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...
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Valorian
on
21 Feb 17 @ 09:26 AM #
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..
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supermanster
on
21 Feb 17 @ 09:52 AM #
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
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se7ven
on
21 Feb 17 @ 10:16 AM #
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
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se17enteen
on
21 Feb 17 @ 10:30 AM #
^
binasa ko terms and condition.. need ko lang bumili worth 5k hehe
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se7ven
on
21 Feb 17 @ 10:47 AM #
^
binasa ko terms and condition.. need ko lang bumili worth 5k hehe
kung yan lang ang terms edi wow hahaha, isang sapatos lang yan
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straycat
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.
HSBC T&C para sa latest promo nila ng american tourister luggage.
-- edited by straycat on Feb 21 2017, 10:57 AM
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se7ven
on
21 Feb 17 @ 11:34 AM #
^^ thats what im talking about
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se17enteen
on
21 Feb 17 @ 01:07 PM #
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
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requiem_inferni
on
21 Feb 17 @ 01:21 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.
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se7ven
on
21 Feb 17 @ 01:30 PM #
^ yup, end ng first year mo, start ng 2nd year mo may amf agad
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se17enteen
on
21 Feb 17 @ 01:32 PM #
that's why you're going to cancel it by month 19 onwards
:D
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se17enteen
on
21 Feb 17 @ 01:34 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.
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.
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requiem_inferni
on
21 Feb 17 @ 01:46 PM #
^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.
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se17enteen
on
21 Feb 17 @ 02:23 PM #
^
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.
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roceanoz
on
21 Feb 17 @ 04:29 PM #
^Auto reverse, meaning hindi ka nagre-request ng waive?
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se17enteen
on
21 Feb 17 @ 05:28 PM #
^
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..
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se17enteen
on
21 Feb 17 @ 05:29 PM #
auto yata pag naabot mo yung certain amount of transaction per yr.
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roceanoz
on
22 Feb 17 @ 09:39 AM #
that's why you're going to cancel it by month 19 onwards
:D
Sisingilin ka na by 13th month. You cannot cut it by then else you'll be charge the P5,700 cancellation fee. Otherwise, you pay the amf. I wonder how much the amf fee is. Sumatotal parang binili mo rin ang luggage kung di mo mapawaive.
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roceanoz
on
22 Feb 17 @ 09:46 AM #
tatawag ako.. pero sasabihin irereverse na lang. wala na yung takutan / negotiation portion hehe..
HIndi autoreverse yan. Ganyan naman karaniwan, at least my experience, walang takutan lol. Paglabas ng soa with amf: call, simple request, after a few seconds, ok na waived na. Everything takes less than two minutes.
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se17enteen
on
22 Feb 17 @ 10:23 AM #
Sisingilin ka na by 13th month. You cannot cut it by then else you'll be charge the P5,700 cancellation fee. Otherwise, you pay the amf. I wonder how much the amf fee is. Sumatotal parang binili mo rin ang luggage kung di mo mapawaive.
2.5k alam ko sa platinum...
HIndi autoreverse yan. Ganyan naman karaniwan, at least my experience, walang takutan lol. Paglabas ng soa with amf: call, simple request, after a few seconds, ok na waived na. Everything takes less than two minutes.
merong time na autoreversed yung akin... magkasama na sa iisang billing statement yung AF at reversal.
-- edited by se17enteen on Feb 22 2017, 10:24 AM
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roceanoz
on
22 Feb 17 @ 11:33 AM #
merong time na autoreversed yung akin... magkasama na sa iisang billing statement yung AF at reversal.
Ah autoreverse nga. May promo nung nag sign up ka? Sa CITI kasi yung free amf for life nila may mga strings attached. Di gaya ng BPI ko walang spend requirements. Di na talaga lumalabas sa SOA yung amf, i.e. no amf bill.
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se17enteen
on
22 Feb 17 @ 11:42 AM #
^
nung nag sign ako ang promo lang nun ay rudy project luggage. walang nakalagay na auto reversal..
pero tingin ko sa spending ito... may year kasi na need ko pa itawag pero wala naman negotiation, request lang... may year naman na auto reversed na sya...
pag napatawag ulit ako kay citi itatanong ko kung dahil nga sa spending at magkano dapat.
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eric26
on
22 Feb 17 @ 11:44 AM #
^ yung sa kin free for life. never ako nacharge ng annual fee mga 5 yrs na siguro sa kin to. Wala rin ako minimum na kailangan i reach. di ko to main card eh bihira ko lang gamitin. usually sa lazada ko lang ginagamit dahil lagi sila may promo don at minsan pang gas. siguro 6 of 12 months zero ang balance ko. Pretty sure i'm not reaching any minimum.
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se17enteen
on
22 Feb 17 @ 11:46 AM #
yep.. sarap nung nauso yang free for life na card hehe... atleast no need to call diba... ilang minutes din yun sa isang taon hehe..
dati si M card lang ang ganyan... now halos lahat ng bank may ganyang promo na.
good for us hehe
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sem_rs
on
22 Feb 17 @ 02:42 PM #
nagavail ako just now 60k citi call for cash, meron bang promo pwede ko iavail? nakalimutan ko magtanong kun meron.
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supermanster
on
22 Feb 17 @ 03:27 PM #
Magkano po interest binigay sayo sa citi call for cash ser?
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nomad
on
22 Feb 17 @ 04:01 PM #
^ sa Citibank, may Sodexo GC -- 60K loan pasok sa PHP 500 Sodexo Mobile Pass.
