Forum Topic

Credit Card 101

  • okay paba sa inyo yun hinihiram ng cashier un id kapag nagbabayad. medyo malaki risk na maiwan yun id after mapagod like sa grocery shopping.
    you actually should give the card (and the ID if they require) the time you are paying, it would be impossible for the card(s) na maiwan in this case.

    for the grocery, when they ask for an ID, they just verify if the CC and the ID has the same name, afterwich, ibibigay na sayo yung ID and i-process na yung payment.

    You should never let the card (and your ID) out of your sight. <-- this is now applicable sa lahat, since kahit sa mga nakainan ko nowadays, they just bring the terminal to your table when you are paying for with a card,they don't even hold (or see) the card as it's almost always tap to pay. Also same with gas stations nowadays.

    -- edited by baratzki on Oct 20 2023, 07:33 PM
  • tao kayo pareho napapagod dipo impossible makalimutan mabawi ang card o ibalik yun id. for example 12-1pm pagod at gutom na pareho kahero o yun pumipila magbayad. kaya tama ang tip wag mawala sa inyong paningin yun cards.
  • hingi lang po ng advise anong mens wallet gamit nyo sa maramihang card?

    leather card holder. yung 8-12 cards ang kaya.

    examples:










  • ang gamit ko ngayon yung classic style na wallet. 12 cards and 20 bills ang average na laman haha. ganitong style:


  • mcjim leather lang saken bigay ni kumander hahaha
  • Big Skinny Executive, sobrang nipis kahit puno

    Pero ngayon, rfid card holder na lang gamit ko, hindi ko na dinadala kahat ng cards
    Mga 3 pcs bills na lang din, pang emergency use lang. halos lahat naman ngayon, kaya na cc or gcash, kahit tip sa barbero. Hehe
  • Post deleted #12456052
  • Hi guys, wala kasing matinong search function sa tipidpc if a question has already been asked, sorry kung natanung na to before:

    How does the virtual Amex online CC work in Gcash?
    Nagtataka lang, nag check out kasi ako ng items worth 7.3k, paid via AMEX virtual card from my gcash account. First time ko to gawin.

    Nakakapag taka lang dahil nacharge lang sakin ay 5.86 Php..? As in 5 pesos and 86 centavos. May sapat naman akong gcash balance. Akala ko instant deduct siya kaya sinigurado ko na mako-cover yung 7.3k na price nung cart. May parang lag ba between amazon at gcash dito?

    Just want to get any info dun sa mga nakapag try na neto.

    EDIT: Ahh mukhang dahan dahan siya macha-charge pala
    <click here for link>

    -- edited by blue_apple_pencil on Oct 27 2023, 07:36 AM
  • The first one is a test charge and will be reversed. It is just a way for the merchant to /test/ if the card works. Then It will charge the full amount after a few hours to a few days depending sa batch processing nila
  • same exp ko sa ps store test charge once nag submit ng cc details sa payment method. tapos babalik din after a day tapos ayun gamitin mo na
  • Hi guys, wala kasing matinong search function sa tipidpc if a question has already been asked, sorry kung natanung na to before:

    hindi na inupdate ni jaydee yung search function. mas okay sa google like: "tipidpc amex" haha. regarding posting ng transaction, wait 2-5 days or test charge nga.
  • ^ yeah, I also use google, the "site:" tag would be the one you need, e.g. "site:tipidpc.com amex"
  • pasakit tlga otp generator ng ew. i dunno kun maganda itong feature nila pero natatagalan ako sa proseso kada feature kelangan otp generator nakakadismaya kapag sa maliit na screen ng mobile phone.
  • maayos ang app ng ew, dl mo na bagong app nila meron na biometric nato.

    -- edited by floriver on Nov 01 2023, 05:20 AM
  • maayos ang app ng ew, dl mo na bagong app nila meron na biometric nato.

    Registered ako sa ESTA sa Messenger. Tapos hindi ko na maregister sa web/mobile kasi in use na raw yung phone #? Pano ginawa nyo sa ganun?
  • dl mopo eastwest app new hiningi yun debit o credit card at hiningi username sa dating app, more verification po. wala napo yu tedious otp generator feature nila sa transaction.
  • ayaw nga gumana. ayaw tanggapin phone number ko haha
  • update mopo details esp yun mobile number sa messengee
  • did not work. punta na lang ako branch bukas haha
  • real time poba ang payment unionbank acct to citibank card
  • yes
  • nagulat ako sa maya 1 day banking posted na agad sa metro bank cc
  • accepted poba jcb card sa shell o petron.
  • No (at least for the ones I tried) they only accept Visa or Mastercard
  • Ongoing pa No Annual Fee for Life promo ng RCBC

    https://rcbccredit.com/promos/naffl23
  • ui mas maganda yan kesa sa metro bank na 180k for a year
  • nagbayad me 3 days before sa ibang bank. nagmemesage yun rcbc ng dua date ngayon araw. today na rin ang due date pero dipa napost. maconsider ba ako na late payment.
  • ^Pasok yan. Ganyan rin ako sa RCBC ko dati, no late fees naman.
  • There are always 2 dates sa CC, "Post Date" and "Sale/Transaction Date", yung Post Date can be delayed kahit 1month, pero ang ino-honor lagi is yung 'Sale/Transaction Date"

    The date na nagbayad ka is the Transaction Date, kahit ma-post yan after 1month, yung Transaction Date pa rin ang gagamitin for computation, if ever na ma-incur ng late fee because of late post-date, it will be reverted naman.
  • yep na check ko din sa app kung kelan ka bumayad yun naka lista sa apps para sa payment
    kahit 3 days after mag post if gamit mo ibang apps pag bayad