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Help please ... Credit Card

Discussion in 'Band of Glockers' started by ppts799, Aug 16, 2004.

  1. ppts799

    ppts799 Daisho

    Oct 12, 2002
    guys, may i ask your opinion on which credit card is best?

    i finally want to get my own credit card but i hear pros and cons from the different cards. which would be advantageous when it comes to points, customer service, etc? let's also assume i will pay the full charge within a the month of purchase.

    from what i've gathered from others citibank and bpi are strong in giving points.

    thanks in advance. ^c single stacker? batangueno?
  2. jasonub


    Sep 28, 2003
    citibank for me. great service and easy to contact via internet, and through phone and anywhere in the world:cool: well just singapore, hong kong and malaysia in my experience

  3. batangueno

    batangueno Shock Resist

    Oct 1, 2002
    No comment, biased ako eh. ;f
  4. ppts799

    ppts799 Daisho

    Oct 12, 2002
    ok, ok, so besides HSBC ;e ;e ;e . . .

    modesty aside, is citibank's point system unbeatable?

    being biased is ok, my sis-in-law is VP in your bank (also ninang to my little angel).;w
  5. JuDGe


    Dec 2, 2002
    Mega-City One
    In my case BPI Petron Mastercard.... May fuel rebates ka pa! ^c
    Taas na gas ngayon 'noh! :(

    At siyempre Standard Chartered Visa..... Di ba SingleStacker! ;f

    Now that is a good practice.... then you may request them to waive their annual fee to you. Pag ayaw nila threaten to cancel your account with them. Most often than not they will waive your annual fee kasi good account ka sa kanila. Citibank astig ayaw magpa-waive, eh di good-bye! ;f
  6. Sir ppts, try calling Equitable regarding their Equitable Visa Card.

    Mine has separate credit limits for local purchases, deferred payment purchases and foreign purchases (US$). Its a Classic visa card so mura lang annual fees.
  7. mc_oliver


    Feb 21, 2002
    If you're liquid now and have no trouble going the cash route, stay away from credit cards. ;)

    Or go BPI, kasi dami palagi madness with zero interest.;f
  8. Alchemy

    Alchemy Senior Member

    Jan 1, 2003
    Unfortunately credit cards are a necessity at times. Such being
    able to rent a car. Or more importently, proven that you have credit. Having no credit dept. Is worse than having, or may I
    say no credit rating at all.

    If your credit standing is good....accept nothing under 9%, and pay it off monthly. They hate that because they get no interest if

    your balance is payed w/in their time period.

    Every day I get about 4 to 5 credit card apps. in the the
    fine print.....good luck! Rick
  9. ditto ;z
  10. julianz

    julianz toxic master

    Sep 24, 2003
    sand castle
    citybank problem with international transactions except guns and gunstuff.
  11. doctabako

    doctabako Gun Aficionado

    Aug 11, 2003
    My vote goes for Equitable Card(I have Amex and Mastercard Gold). Their service is great and they're accepted by almost all establishments.
    In my experience Bankard is the worst(Are they still alive ;f). Diners Club has good service but very few establishments carry it.
    I have no experience with Citibank and BPI but from the endorsements above they're probably quite good.:)
  12. Alexii

    Alexii Janeway Forever

    Nov 14, 2001
    Delta Quadrant
    I have both Citibank Shell card and BPI Express Credit. Both are very good. Citibank Shell also has fuel rebates and the BPI for those zero interest madness. But like what Mc_O said, if you're liquid, stay away from these. CASH is still king.;)
  13. 9MX

    9MX Rei!

    Sep 29, 2003

    citibank/hsbc and standard chartered are ok
  14. lcarreau

    lcarreau Reload Artist

    Sep 22, 2003
    Arlington, TX
    I like my Bank of America card. They will put your pictiure on the card if you like to avoid the hassle of showing ID and since I bank with them, I can pay with a balance transfer online.

  15. kristiansen

    kristiansen Birdwatcher

    Dec 7, 2002
    on the road again
    I have credit cards from citibank,std. chart.,bpi and bdo.bpi has a separate limit for your usual purchase and another for your installment purchase (for those madness sales),customer service is ok.citibank is very convenient,customer service is A1 but interest rate is very high.std. chart. is...,well, bdo card will get you the most points if you are a shoemart guy(muntik ko nang matype na sm hehe).but if you're liquid,get any of them esp. with no annual fees and hope you don't get bitten by the card madness!and everyone of them wish you don't pay on time!;f
  16. Cash is king is true, mahirap na mabite ng credit card bugs. Grabe ang interest rates.

    But, nowadays really requires one to have a card.

    For example:

    a. Last July when I applied for a Smart special promo, its easier to get approved if you have a card and would agree to autodebit the Smart monthly bills to it. Parang thats the way gonna happen to all telecom companies like Globe Smart Sun and even Destiny cables to name a few just bec of too many uncollectibles.

    b. When you meet an accident on the road and was rush to the hospital, its convenient at times of need when you dont have cash with you. Hospitals easily would bill you by the 10k's. Bawal magkasakit. ;P

    c. You can use it to buy at Amazon and other online stores

    I like HSBC - nice point system, easy to call, easy to request to waive annual fees. Citibank - ayaw iwaive ang annual fee ko so i had it cancelled. :soap: Then apply again sa booth sa mga malls so meron nanaman. :) Standard Chartered - high credit limit, medyo mahirap magrequest to waive annual fee, kulitin mo lang, kung ayaw nung first operator tawag ka ulit bukas at iba ang sasagot then request ka ulit.
  17. correct ka dyan sir tigra;f

    We OFW's automatically have that visa card from Equitable. It serves as our OFW I.D. and at the same time our debt card.:cool: But still, HSBC is my no.1.

    your right about Bankcard, and yes i think they are still alive;Q


    yes your right. if you want to avail some special offers from our leading telecom service provider's you should have a couple of those plastic moneys;) and not only having a 20k credit limit dahil baka di mo makuha yung gusto mo na bagong modelo na cell dapat mas mataas pa credit limit mo;f
  18. mikey177

    mikey177 Remember

    Jan 28, 2003
    But without credit cards, how are we supposed to buy online all those must have books and accessories to support our passion for shooting? ;P

    I have just one card, Citibank. I got it so I could buy my first gun on installment from PB Dionisio several years ago. The service is acceptable. They are a bit persistent when they have promos and such, with their client reps pestering you on the phone from time to time. I suppose you could do better with another card company, but I am pleased with their service as it is.
  19. agentrod


    Jan 12, 2004
    If you really plan on paying (consistently) the full amount monthly I suggest go with Citibank, pero if you go installment ang taas ng interest rates nila.

    If you choose the rewards system on Citibank, you're points can be used to payoff you're annual fee.

    If you're a Shell loyalist, go with the Shell Citibank cards - meron fuel purchase rebates.

    Meron din naman sila Citibank appliance fiesta at least once a year sa SM MEgamall (just concluded). Pero mas madalas nga yung BPI appliance madness sa Glorietta...

    Hope this helps.
  20. mc_oliver


    Feb 21, 2002
    Aha! That's what your card-full but cash-less friends are for. ;);f