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Author Topic: All about Credit Card - tips, do's and dont's  (Read 84844 times)

lai_lanzaderas

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Re: All about Credit Card - tips, do's and dont's
« Reply #60 on: November 29, 2012, 07:50:32 am »

as long as you pay in full and on time, you'll be fine.  and although it's called a credit card, remember to use it only for convenience and never for credit.  ;)
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Errych

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Re: All about Credit Card - tips, do's and dont's
« Reply #61 on: April 10, 2013, 04:54:41 pm »

Same topic merged.
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chubzkittinz

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Re: All about Credit Card - tips, do's and dont's
« Reply #62 on: June 06, 2013, 01:41:38 pm »

where po kaya sure and fast approval ng credit card? TIA!
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Nanay ni Liam

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Re: All about Credit Card - tips, do's and dont's
« Reply #63 on: June 06, 2013, 01:53:30 pm »

^try HSBC :)
But be sure you meet their requirements :)

Had my metrobank and hsbc annual fee waived :)
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chubzkittinz

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Re: All about Credit Card - tips, do's and dont's
« Reply #64 on: June 06, 2013, 02:26:26 pm »

I dont have any CC yet..I think that's a number 1 requirement. Anyone can help?
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MissPychi

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Re: All about Credit Card - tips, do's and dont's
« Reply #65 on: June 06, 2013, 03:47:20 pm »

Only use your CC during times when:
   1. wala kang cash na dala at urgently needed ang  bibilhin
   2. it's safer to charge than to bring cash (mahal or malaki masyado ang amount at delikada
       magbitbit ng cash)

- ALWAYS treat your CC as "cash" (meaning, charge based on your capacity to pay)

- ALWAYS pay on or before the due date

- ALWAYS pay the full amount due

- Ask for options to waive annual fees, if any (some cards offers free annual fee for life... as long as you can maintain a minimum required spending per month)
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Zheii

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Re: All about Credit Card - tips, do's and dont's
« Reply #66 on: June 17, 2013, 10:28:40 am »

Hi Mommies!

My husband is planning to apply for a credit card since he's a regular employee na for a year. San ba pwedeng makapag-apply na bank  with 10,000/mo gross salary? We want to have one kasi for emergency purposes kahit mababa lang ang limit, atleast anytime na may emergency may magagamit kami. And what are the requirements? Hope you can help me with this mga mommies. TIA!

- ZHEii <3
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Nanay ni Liam

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Re: All about Credit Card - tips, do's and dont's
« Reply #67 on: April 25, 2014, 03:21:33 pm »

My Metrobank ccard didnt waive my annual membership fee this year.  :(
I had to use my points to pay for the half of the fee then the other half i have to pay it. I was quite disappointed because i regularly use my card and its limit is kinda high na.

So i called them kanina to cancel my ccard, then i was offered the M free Mastercard which has a waived annual membership fee for life  ;D

New ccard will be issued within 2-3 weeks daw. I'll see if okay sya. If not, cancel ko na lang talaga. I now prefer to pay in cash kasi parehas kami magastos ni hubby. Para matuto kaming magtipid. Hehe!
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annie0312

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Re: All about Credit Card - tips, do's and dont's
« Reply #68 on: April 30, 2014, 08:57:33 pm »

My father's credit card is RCBC. Yearly pagtaas ng credit limit sabay ng pagtaas ng annual fee. Now, 3k na ang annual fee nila. Ayaw naman i-waived. Nakakainis. Sayang naman ang 3k. ano po ba dapat gawin para ma waived yung annual fee? Kahit ipacancel ang card need pa din bayaran. Kaya no choice talaga.

ano po bang credit card ang walang annual fee?
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mommy_owlz

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Re: All about Credit Card - tips, do's and dont's
« Reply #69 on: July 24, 2014, 09:15:28 am »

Question basta ba I pay the TOTAL AMOUNT DUE in my CC statement, hindi ako ma-charge ng Finance Charge?
I just got a new CC and I vowed to take care of it... I had a very bad credit card  usage 7 years ago and ayoko na maulit yun....
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gheng

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Re: All about Credit Card - tips, do's and dont's
« Reply #70 on: September 05, 2014, 12:54:49 pm »

hi, im planning to apply for credit card. mas okay ba mag-apply on line or on bank?

Also marami din kasi nag-aalok sken thru phone, kaso im afraid to give info kasi bka fraud...

help pls...
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MommyniAddie

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Re: All about Credit Card - tips, do's and dont's
« Reply #71 on: September 05, 2014, 02:24:17 pm »

Hi Sis, better na sa bank ka mismo magpunta..yes marami din kasing fraud, mahirap magtiwala..Ako BDO Shopmore ang card for almost 6 years na...sa bank ako nagpasa ng application at requirements noon, wala pang 2 weeks approved na..
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gheng

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Re: All about Credit Card - tips, do's and dont's
« Reply #72 on: September 05, 2014, 05:24:23 pm »

Thanks mommyonsale!!!!

wow 2 weeks lang? ang bilis naman.,.. can you use the card agad after it was issued to you? atska my mga babayaran ba during application?
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chardonnay

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Re: All about Credit Card - tips, do's and dont's
« Reply #73 on: September 05, 2014, 09:09:19 pm »

^ You just have to call and have it activated then pwede na. No fees.
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Mommy Jazz

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Re: All about Credit Card - tips, do's and dont's
« Reply #74 on: September 25, 2014, 11:16:27 am »

A friend is already being summoned for not paying her CC. HIndi niya talaga kayang bayaran. May nakukulong ba sa utang? What if hindi talaga mabayaran?
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