Credit Card 101

• se7ven on 25 Mar 17 @ 06:05 AM #

  ^ yes you can. I pay my PLDT and Globe bill online using Unionbank GetGo credit card. Need mo lang pumunta sa website ng PLDT at Globe to pay it.

• rain062887 on 25 Mar 17 @ 06:31 AM #

  ^Gaano po katagal bago mag take effect yung payment?

• se7ven on 25 Mar 17 @ 06:53 AM #

  ^near real time

• rain062887 on 25 Mar 17 @ 10:42 AM #

  ^thanks po. yung meralco bill na lang prob ko kung paano ko sya babayaran ng credit card.

• happypotato on 25 Mar 17 @ 10:46 AM #

  You have to enroll. Meralco CC auto charge.

• rain062887 on 25 Mar 17 @ 02:34 PM #

  ^if ever na ipa enroll ko sa auto charge sila ba magdedecide ng date kung kelan nila iccharge sa cc ko?

• rdy0329 on 25 Mar 17 @ 02:42 PM #

  @rain
  
  auto charged ka pagka generate ng bill mo. Example cut off mo is April 12, usually April 14 or 15 ma charge na CC mo, sabay sa pag dating ng bill sayo.

• rain062887 on 25 Mar 17 @ 03:11 PM #

  ^salamat po

• Laserion on 26 Mar 17 @ 11:50 AM #

  Ask Lang mga Guyz/Galz!
  
  dumating na yung billing for the annual fee and due date is next month.... nag increase yung CL at yung annual fee ko... plan ko sana ipa-CANCEL since hindi rin nagagamit masyado... pwede bang hindi ko na bayaran yung fee for the next month or do I need to pay the annual fee tapos later pa cancel....
  
  Salamat sa mga sasagot!

• supermanster on 26 Mar 17 @ 11:58 AM #

  Tawag ka sa csr ser. Ask mo kung pwede iwaive nalang yub annual fees, if ayaw iwaive tska mo pa cancel.

• krpk on 26 Mar 17 @ 11:37 PM #

  ^If pina-cancel nya po yung card nya while having a pending Annual Fee, kailangan pa bang bayaran yun?

• joedman2k6 [TS] on 27 Mar 17 @ 05:55 AM #

  @krpk
  

  ^If pina-cancel nya po yung card nya while having a pending Annual Fee, kailangan pa bang bayaran yun?

  yes !! tsaka mo try ipawaive kung pwede ibabalik naman thru spending credit kung hindi atleast nabayaran mo kasi mag incur lang ng interest yon..di naman nila i cancel agad yon hanggang di ka bayad..
  
  -- edited by joedman2k6 on Mar 27 2017, 05:59 AM
  
  -- edited by joedman2k6 on Mar 27 2017, 06:01 AM

• SPOZ on 27 Mar 17 @ 07:54 AM #

  So kung set ka talagang ipa cancel yung card mas magandang cancel mo siya in the 11th month?

• krpk on 27 Mar 17 @ 07:56 AM #

  ^ I see, salamat po!
  
  Promo ni Citi
  
  

• prisonarchitect on 27 Mar 17 @ 10:55 AM #

  ^
  yang citi rewards na yan na may free fitbit dapat at least 1m annual income mo :D
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• jac9 on 28 Mar 17 @ 09:54 AM #

  madali lang ba mag pa waive AF sa BDO?? kaka 1yr ko palang BDO gold..

• ChristopherMSales on 28 Mar 17 @ 10:44 AM #

  madali lang ba mag pa waive AF sa BDO?? kaka 1yr ko palang BDO gold..
  

  
  
  Super dali. Si BDO ang pinaka madali sa lahat magpa-waived ng AF at si BDO ang pinaka mahilig mamigay ng cc once na ma-approved ka sa kanya. Yun nga lang shared limit at super kuripot mag-bigay ng CL. Hehehehe.

• jac9 on 28 Mar 17 @ 11:04 AM #

  @ChristopherMSales
  
  ok, tawagan ko sila mamaya.. meron ba silang delayed payment charge? kahapon pa due date ko.. ngayon ko lang binayaran kasama AF.. pero plan ko pa waive..

• netshark on 28 Mar 17 @ 11:05 AM #

  Yung nakuha kong BDO gold free for 3 yrs daw. But it was only offered verbally and it is nowhere written in the included documents so we'll see in 12 months if it is true :)

• netshark on 28 Mar 17 @ 11:07 AM #

  @jac
  The better strategy would have been to not pay the AF and request for a reversal. Threaten to cut if necessary. Binayaran mo na kasi so baka hindi na nila ibigay yung reversal.

• prisonarchitect on 28 Mar 17 @ 12:11 PM #

  kaka pa cut ko lang ng SB cashback ko after a year, naka 9k total discount din ako sa kanila, at walang AF reversal. Since this year e nag ti trim down ako ng expenses ko, ipapacut ko na to, inenext ko na ung Citi ko

• jac9 on 28 Mar 17 @ 12:18 PM #

  usually ba ano demand ng BDO para i waive? sa metrobank ko kasi for 5yrs pinapagastos lang nila ako ng 6k (accumalated)

• ChristopherMSales on 28 Mar 17 @ 12:52 PM #

  ok, tawagan ko sila mamaya.. meron ba silang delayed payment charge? kahapon pa due date ko.. ngayon ko lang binayaran kasama AF.. pero plan ko pa waive..
  

  
  
  Kahit nabayaran mo na yung AF mo Sir you can request for reversal. Sa BPI nabayaran ko na yung AF ko before asking for reversal. Fortunately na-reverse naman yung AF ko at na-credit sa account ko.
  
  Hindi naman mahirap kausap si BDO pagdating sa AF reversal tingin ko mare-reverse yan. Meron nga case na 5 ang cc nya kay BDO pero never sya nagbayad ng AF kay BDO.
  
  -- edited by ChristopherMSales on Mar 28 2017, 12:52 PM

• ChristopherMSales on 28 Mar 17 @ 12:55 PM #

  usually ba ano demand ng BDO para i waive? sa metrobank ko kasi for 5yrs pinapagastos lang nila ako ng 6k (accumalated)
  

  
  
  Unconditional ang AF reversal kay BDO kahit hindi mo nga nagamit ang cc ire-reverse ka pa rin ni BDO. Kaya kahit si BDO ang may pinaka mababang limit sa cc ko malamang manatili ito sa wallet ko. Hehehehe.

• roceanoz on 28 Mar 17 @ 01:04 PM #

  Share ko lang. I made a purchase online and ni-reject daw ng bank sabi ng merchant kaya na cancel. Nag float daw ksi so I had to reorder. Yun pala I forgot to turn off using proxy sa browser nung mag transact ako. So malamang ang lumabas na ip ay sa ibang bansa kaya na-flagged ni bank ang transaction. I think, although na-hassle ako, it's a good security measure my bank should continue doing to protect it's clients. Sana lang nagpadala sila ng text kasi it took a while bago ko mafigure ang problema.

• roceanoz on 28 Mar 17 @ 01:05 PM #

  Unconditional ang AF reversal kay BDO kahit hindi mo nga nagamit ang cc ire-reverse ka pa rin ni BDO. Kaya kahit si BDO ang may pinaka mababang limit sa cc ko malamang manatili ito sa wallet ko. Hehehehe.

  
  May malaking savings account ka ba sa kanila?

• se17enteen on 28 Mar 17 @ 01:31 PM #

  anong cc ang may pinaka mababang cash advance interest?
  
  promo ng Citibank now is .59% plus free sodexo
  
  I tried to compute for 200K, papatak na 6,735.56 per month for 36 months
  free 1500 sodexo (42,480.16 ang tubo)
  
  or 9,513.34 for 24mos.

• supermanster on 28 Mar 17 @ 01:42 PM #

  Pinakamababa na yan sir na interest. Buti sayo 0.59% offer. Sakin 0.79% padin eh :)
  
  Sa mga na approved sa Unionbanks Getgo, may nadeliveran na ba ng card sa inyo? Yung sakin kasi wala pa upto now. #excitedmuch.
  
  Pati yun sa HSBC di ko alam kung approved or hinde.

• ChristopherMSales on 28 Mar 17 @ 02:00 PM #

  May malaking savings account ka ba sa kanila?

  
  
  
  Wala naman Sir. Barya lang ang savings ko kay BDO. Wala pa nga ako Casa kay BDO. Ang malaking savings ko nasa ibang bangko na kung saan plano ko mag-apply ng panibagong CC.
  
  -- edited by ChristopherMSales on Mar 28 2017, 02:16 PM