Credit Cards

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Originally Posted by Visual C#

Citibank, HSBC, Equitable, Standard Chartered, etc.. ?
Take into consideration the interest rates, customer service quality, etc.. and tell me which of them really shines...

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I dont know how the system is in the Philippines but here in the US , customer srvice quality is pretty much up to par any big banks you go . Next one would be the interest rates , like I said in the US .... they dont offer interest rates . What you will get is basing from your credit history or they might offer something but you have to qualify first . Not sure if Philippines does that but anyways . bai VISUAL ....what kind of credit card you apllied for ? basin cguro you applied for a platinum mao denied ka . Check what they offer and match it in ur lifestyle basin pwede pa na . By the way , I am not sure of other banks but of the 3, I will choose CITIBANK .

OT: if you want to apply for a Citibank or an Equitable "MTV" Visa Credit Card.. just feel free to pm me... I'll help you get one... :wink:

I have CitiBank, SCB, HSBC all VISA & Equitable AmEx. The best is SCB, take my word for it.

ngano nindot man ang SCB? i 've heard nga waived daw forever imong annual fee? im looking for a credit card that can be accepted internationally and waived ka forever :) kabalo mo unsa ni-offer ani?

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Originally Posted by franz

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Originally Posted by Lyt.Slpr

I have CitiBank, SCB, HSBC all VISA & Equitable AmEx. The best is SCB, take my word for it.

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ngano nindot man ang SCB? i 've heard nga waived daw forever imong annual fee? im looking for a credit card that can be accepted internationally and waived ka forever :) kabalo mo unsa ni-offer ani?

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yup, no hidden charges plus their installment scheme is the best offer so far over all the others. plus, higher credit limits. i still have to check if their annual fee is waived "forever" though but i don't think so. probably in the 1st year or second.

for me Metrobank, way kurat. no annual fees..

Citibank...kay even if you pay 1 day late, no interest or penalties, and during the time na naay VAT, wala gi pasa ang charge. i also have Standard Chartered and its a different story...pay 1 day late, interest and penalty na dayon..and during the time of VAT, they passed the charge...there was one time the only charge i had to pay was VAT in the amount of P0.11?..:) i'm not sure of the exact centavo but i'm sure it was less than P1.00...:)

bati customer service scb, nindot metrobank

karon pa ko n.late bayad ako HSBC..

naa ba kaha to interest..

hope wala.. :|

Credit Card Questions: HSBC deffered for 6months or 12months..wala jud ni intere

to make it clear.for example

I will buy a Camera worth 20,000.00, like colors photo shop offered 0% interest for 3months or 6months or 12months..

so for 20,000.00 if I will get in 12months.. my monthly payment is Php1666.67 for 12months..

if makabayad rako sa monthly nako nga Php1666.67 assuming wala koy gigamitan lain sa akong credit card..

wala jud nay interest?


Pls make clear on this..

thanks,

basi naay interest bah..

I know naay interest if dili ka makabayad sa 1667.67..