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?