Forum Topic

Credit Card 101

  • ^ galawang home credit siguro.
  • Ok na business yun ang poblema pag yun mga pinautang mo hindi nagbayad
  • Uy hindi home credit ah alam ko na interest niyan na pagkataas taas. From overseas market tapos resell dito.

    Hoping magtuloy tuloy ang ikot ng pera tapos may kita pa para sakali mapataasan ko CL.


  • As stated sa post ko previously magsesend daw ng new card yun metrobank and as ninjababes mentioned paywave enabled lang daw ang difference and nakuha ko na kahapon lang and humaba ng 1 year yung validity lol
  • ilang days ba bago pumasok yung payment?nagbayad kasi ako nung sept 21 bpi through sa application till now nag check di pa din pumapasok pero may email conformation naman na nakabayad ako thanks
  • Saturday kasi yun 21 so hindi magpopost yun bale ngayon pa lang mapaprocess yun so baka Tuesday pa magreflect sa online banking mo pero yun payment date nun is 21 pa din naman.
  • itawag mo lang boss alam ko 3 banking days
  • ok thanks mga sir
  • Madali ba magpawaive ng AF sa citi cashback?
  • ^
    In my experience, hindi
    Umabot kami sa putulan ng csr
    Hindi nga nag confirm yung kausap ko na waived, ang alam ko mapuputol yung card ko
    Pag tingin ko na lang online reversed na
  • Oww. Nagapply ako kasi may nakita kong 5k daw na free lazada credits ata or gc pag naka 20 or 30k. Approved naman na
  • pahirapan ngayon pa-waive ng AMF sa citi cashback, umabot din ako sa putulan, last minute lang nagbago isip.
  • Awww. Kunin ko lang yung free tas gamitin ng ilang months then pa cut ko na pag ayaw nila
  • ^
    Yup, wag mo syang gamitin na main card mo and be ready na ipaputol pag ayaw i-waive

    Ang argument kasi nila is you can earn up to 12k rebates in a year, which is much more than sa annual fee mo
  • Thanks sa advice. Any comment sa unionbank getgo?

    -- edited by Eleven1019 on Sep 25 2019, 03:36 PM
  • ^

    If free annual fee for life, why not. Else, wag nalang.

    At least based on my experience, never sila nag waive.

    Pinaputol ko na getgo ko last month after 3 years.

    -- edited by gowueld on Sep 25 2019, 08:17 PM
  • Awww. Kunin ko lang yung free tas gamitin ng ilang months then pa cut ko na pag ayaw nila

    Have you read the T&C? May clause where in the card should be active for x months. Otherwise babayaran mo yung freebie.
  • Any feedback sa Security Bank Mastercard? Mag aapply uli for my second card. Thanks!
  • pwede poba supplementary card ko yun 70 old mum ko?
  • id lang naman kelangan mo to apply sa supplementary card and I don't think may age requirement yun kasi wala naman financial liability yun. ikaw na primary card holder pa din magbabayad ng bills
  • qq: currently nagbabayad ako ng longstanding balance ng cc ko. deactivated na siya, nagbabayad na lang ako. right now, gusto ko kumuha ng panibagong cc para may pambayad ako sa mga online expenses ko. haharangan ba nila yun application ko? much better ba kung ipa-reactivate ko na lang ung dati (na binabayaran ko na ngayon) or entirely new na lang (from the same bank)?
  • Baka mahirapan ka dahil sa not so good standing mo. Pero it won't hurt if you try so apply ka lang.

    Pero kung online purchases naman ang purpose mo, mag paymaya or gcash amex or debit card ka na lang. Para din sa protection mo yon para di ka na ulit mabaon sa utang at interest payments.

    -- edited by lxi97 on Sep 26 2019, 08:13 PM
  • qq: currently nagbabayad ako ng longstanding balance ng cc ko. deactivated na siya, nagbabayad na lang ako. right now, gusto ko kumuha ng panibagong cc

    If you don't mind me asking, ano ba nangyari before bakit na dq ka sa cc mo? Reason ba ay di nakapg bayad kasi nawalan ng trabaho or nakaranas ng matinding emergency financial problem. Kapag kasi walang ganyan at attitude or lifestyle ang dahilan, I suggest wag ka nang mag cc. Meron namang ibang way like debit cards na pwede gamitin online. Kasi baka maulit lang ulit problema mo. I've seen this happen to persons I know.

    -- edited by roceanoz on Sep 27 2019, 10:08 AM
  • If you don't mind me asking, ano ba nangyari before bakit na dq ka sa cc mo? Reason ba ay di nakapg bayad kasi nawalan ng trabaho or nakaranas ng matinding emergency financial problem. Kapag kasi walang ganyan at attitude or lifestyle ang dahilan, I suggest wag ka nang mag cc. Meron namang ibang way like debit cards na pwede gamitin online. Kasi baka maulit lang ulit problema mo. I've seen this happen to persons I know.


    yep i left work a year ago at last month lang ulet na-employ. and actually, natauhan ako thanks to my wife, so I don't plan on getting a credit card anymore.

    Though, would like to get your feedback on what are the alternatives to a cc when paying online? Ung mga debit cards ba ng BPI or Metrobank na EMV chip-based na, pwede na siyang gawing "credit card" pag nagbabayad? Mastercard naman na siya. I only incur about $10-$25 a month so honestly di ko talaga need ng cc.

    -- edited by holyorders on Sep 27 2019, 11:15 AM
  • yep i left work a year ago at last month lang ulet na-employ.

    If you have a job now and you think you can manage your expenses to be less than you earn, then give it another chance. Ask your wife to monitor you na lang she should see your soa each month hehe.

    Nung wala pa akong cc I used union bank's eon card that can be registered sa paypal. For online stores that don't accept paypal you can use deposit backed credit cards such BPI's Express Start.
  • Though, would like to get your feedback on what are the alternatives to a cc when paying online? Ung mga debit cards ba ng BPI or Metrobank na EMV chip-based na, pwede na siyang gawing "credit card" pag nagbabayad? Mastercard naman na siya. I only incur about $10-$25 a month so honestly di ko talaga need ng cc.


    how about 'prepaid' cards like paymaya, gcash (meron din ata si coins.ph) or eon?^_^
  • i use prepaid card like amore para sa online para safe
    heheh
  • guys yun mga digital wallet ba like paymaya, gcash, coins PH.. niloload ba yan or dapat may balance? unlike credit card na naka link naman sa banks?
  • something na pwede i-link sa paypal at madali loadan?
  • Both paymaya and gcash can be loaded real time via bpi app. No convenience fees, for now. I also use debit cards for small online purchases and keep my balance at less than 1k pesos for minimal exposure.