May credit card ka ba?

[angelo]

METRO MANILA? highest chance nga yan to get approved.
i would doubt kung outside metro manila, pero ngayon ang GMA madali rin kasi highly urbanized na.
im talking about cavite, rizal, bulacan and laguna..

well consideration din naman kasi kung may landline ka. may permanency of address.

[marvinofthefaintsmile]

 i had once from bdo. bgla clang nagbigay ng cc sa kn. nageffort paqng i-deactivate..

ang yoko sa credit card ng bdo eh walang freebies like watch or cellphones.

nagapply aq dati ng cc sa hsbc kaso nareject aq for 3x straight.

[Jon]

wala akong credit card...

may dalawa akong debit card..hehehehe

pero last month pina apply kami sa hr namin....

ayun nag apply ako...

next week daw dadating ang credit card ko...

........................................  undecided pa ako.... kung gamitin o hindi.......

[judE_Law]

ako, wala!
hindi ko alam kung bakit hindi ako ma-approve.. yung kasama ko sa work mas mababa sweldo sakin nagkaroon siya.

baka may bad credit standing ka.. malaki nga sweldo mo, pero puro utang ka naman..
or baka bad credit history.. matagal magbayad, etc.

ngeks.. hindi pa nga ako nagka-credit card ni minsan eh.. nagka-utang lang ako sa tindahan ng kapitbahay namin pero laging on time pagbabayad ko dun.. hindi kaya sa residence nga? kasi nagre-rent lang ako dito sa Manila.. e yung province ko lagi kong nilalagay na address..

[pinoybrusko]

ako, wala!
hindi ko alam kung bakit hindi ako ma-approve.. yung kasama ko sa work mas mababa sweldo sakin nagkaroon siya.

baka may bad credit standing ka.. malaki nga sweldo mo, pero puro utang ka naman..
or baka bad credit history.. matagal magbayad, etc.

ngeks.. hindi pa nga ako nagka-credit card ni minsan eh.. nagka-utang lang ako sa tindahan ng kapitbahay namin pero laging on time pagbabayad ko dun.. hindi kaya sa residence nga? kasi nagre-rent lang ako dito sa Manila.. e yung province ko lagi kong nilalagay na address..

yes, they consider residence. Pag province mostly bagsak agad. Citibank ganyan ang estilo.

[Dumont]

ako, wala!
hindi ko alam kung bakit hindi ako ma-approve.. yung kasama ko sa work mas mababa sweldo sakin nagkaroon siya.

baka may bad credit standing ka.. malaki nga sweldo mo, pero puro utang ka naman..
or baka bad credit history.. matagal magbayad, etc.

ngeks.. hindi pa nga ako nagka-credit card ni minsan eh.. nagka-utang lang ako sa tindahan ng kapitbahay namin pero laging on time pagbabayad ko dun.. hindi kaya sa residence nga? kasi nagre-rent lang ako dito sa Manila.. e yung province ko lagi kong nilalagay na address..

yes, they consider residence. Pag province mostly bagsak agad. Citibank ganyan ang estilo.

talaga kapag Citibank? hmnnn

[Chris]

anyone who has a credit card with airline miles? e.g. Citi Premier Miles, HSBC Mabuhay Miles or BPI WorldPerks?

Useful ba?

[angelo]

anyone who has a credit card with airline miles? e.g. Citi Premier Miles, HSBC Mabuhay Miles or BPI WorldPerks?

Useful ba?

i do. yes, Fox is correct that you would need thousands of purchases.
but dont think about it kasi parang naghahabol ka ng kaskas. just on the back of your head, at least nakakaipon ka lang habang gumagastos ka. someday, lilipad ka rin.

ako umabot ng almost 3 years before naka-avail ng isang trip to HK. 

[Jon]

approved ba credit card ko..hmmmmmmmmmmmmm

[dheric012]

yeah

at ito ang ginagamit ko pag maggrocery and kung anu man ang bibilhin satang naman kasi points....

[pinoybrusko]

yehey zero balance na ang credit ko.

[pinoybrusko]

Thanks. ayoko na gamitin ito. for emergency purposes na lang.

[angelo]

Thanks. ayoko na gamitin ito. for emergency purposes na lang.

but remember...even if you are not using your card, as long as it is still active, you will be charged with an annual fee..so if you really plan to discontinue using the card, you might as well unsubscribe it

correct. though nowadays, you can always haggle or threaten to discontinue, in exchange for a waived annual fee.

Meron ba sa inyong meron nung Citi Cash Back Card?
How is it for you?

I applied for one last week. I think (fingers crossed) it is a good card

any CC is good for its purposes. you just have to weigh how much valuable is the rebate or the reward you get from using it. I think that is the only driver, that is why more than points, they now tie up with several establishments..

for me, the shell-citibank card has been very beneficial for me, especially when loading up gas. The end result is me loading V-Power for the price of a Premium (malayo na talaga sa unleaded), due to the 5% rebate. the car's engine benefits from the higher octane gasoline...

[pinoybrusko]

ano ba ang interest rate ng credit card. nakakalito kasi parang iba iba kada item. Can anyone clear this issue? thanks in advance

[pinoybrusko]

annual fee dito ay SR 200 (thats 2300 pesos).

since nalilito ako sa charges, what I do pag may due amount for this month end lets say 1000 pesos, ginagawa ko siyang 2,000 pesos para lang mabawi ko ang interest rate. tama ba?