Huwag mag-cash advance. Aside from the interest, it also has additional charge ranging from 300 - 500 defending on the bank per withdrawal. What I did after receiving the Cash Advance PIN is I shred it to pieces. until now, we haven;t use the service yet.
Do not bring credit cards unless necessary. If going out on a Mall sale, don't bring your plastics. You will end up spending more than you plan too thinking that you save more.
Always pay in full. If you cannot, grab bank's paylite options so it won't earn interest.
I ususally do this, a month before my credit card anniversary, I will call the bank to request for cancellation. The bank's representative will offer you to waive the annual fee for another year. This always works for me. - Ayoko naman kasi magbayad ng 2,500 for annual fee knowing na hindin naman lagi nagagamit yung card.
Before sobrang swipe lang ng swipe. Nakakatuwa kasi pag bago yung card. But then pagdating ng bills, mapapag-isip ka talaga. Good thing my hubby works in one of the major credit card Companies, he is required to pay in full. Bawal silang mag partial payment (internal term: revolver). They are classified as transactors as an employee.
Make sure to have a good reputation to your bank. Hindi mo alam kung kelan mo sila magagamit in their fullest. 3 years ago, when my lola got hospitalized and the bill went high as 300K (na-ICU kasi si lola ko), we were able to use our credit card. Our limit is not this high. Sobrang liit lang. But due to good credit standing, I called my bank for emergency increase. Though they did not increase it to 300K but at least enough to cover the remaining balance that we need to pay. They called the hospital's cashier and made manual approval.