Credit Cards

[biggie9385]

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walay ayo Standard Chartered na credit card. Enroll ka sa ilaha iTXT, mahorot ra imo load dili pa ka kadawat sa imo current balance. Nya cge ra cla sulti na mo-send cla sa imo-a og ilahang catalogue para sa ilaha reward points. Hapit na mo 1 yr ako credit card, hantod karon wa pa ko kadawat.

[chesrem]

I'm using Standard Chartered credit card... So far, I have no problem Advantage in my part coz I can just pay it online, using bancnetonline.com, then can call them using the tolfree number... And for almost 3 years, wala pa jud ko kabayad anang anual fee nila... It is always waived in my case So I am satisfied with their service

@ Visual C# : you apply though an agent, d bita ka mo bayad sa agent, ngita lang agent nga dli mo charge ug processing fee

[hahayLAYP]

yah Visual C, sakto si chesrem, apply through an agent kay mas dali ra and mo silbi man na sila as guarantor gud. if good ila standing, dali ra kaau ang processing sa imu application. try HSBC, naa ko number sa ilang agent if you want. i'm using their classic visa-mabuhay miles. 21,000 ang credit limit. dugay lang kaau abot ang ilang billing, so i use either their toll free number to check my balance or their e-banking service.

[hahayLAYP]

waived ila first annual fee and walay bayad ang agent. and i barely reached the minimum salary rquired, murag gi-apil ang amung benefits to pass the income requirement.

and if anybody is interested, there's a cash back promo sa visa, nakabasa ko sa inquirer the other day, i'l post lang the site ugma . u just have to text or enter (sa ilang site) ang imu minimum of 500 single receipt .

[rusty18]

elow guys, im currently working full-time and part-time stude. does anyone here would like to share some insights why one needs a credit card? im thinking of getting one, but i guess i need to wait til next year. 21 yrs old above lang pwde diba? and im earning twice than the required minimum monthly income, so i think qualified ko. suya lang ko sa akong mga colleagues, everytime when we're on a night out, swipe lang ng swipe. hehe

[rochelle]

if used responsibly very ok jud ang credit card. pero mao lagi ang temptation gakuyog nimo always and magsalig ka na pwede ra ka palit anyway next month pa bayad. only to realize later na naa pa diay mas importante na gastuan during bayaran time na. and this starts na ang build up sa utang. Basta ang keywords lang diha is budget and use it responsibly. your income may qualify pero dapat naa mga documents na mag prove na ur earning jud regularly. U know naa may mga debit cards karon safe xa like credit card (u dont have to bring cash) ug wa pa jud libog kay kung unsa ra ka naa mao ra imo magastos. Di oa jud lisod mag avail ana. . Debit cards are also honored bisan asa na store basta accept sila visa/mastercard. So naa na sad ka ma swipe hehehehehe

[rusty18]

hehe thanks for sharing rochelle! u got a point. the point diay. dugay ra kaayo ko gusto mag credit card pero mao sad lagi ingon nila sa temptation man gud, daku kaayo nga problema if di ka mka control. mao gani debit card lang ko karon. currently im into e-tailing (online shopping) and swiping with my mtv debit card lang intawn hehe.. pero i think its cool to have a credit card dba. in case of emergency lang, pero di pud nga taga gimmick kay emergency!

[dairyman]

guys! if you don't have a credit card, i advise you not to get one. way makalupig kung imo i cash ang payment, but understood not everybody have cash though pero you can always save kung naa ka gusto paliton. i've known a lot of friends na nagmahay ug kuha credit card kay ila sweldo kutob lang bayad sa card... granted if in case of emergency, like hospitalization kay mostly sa major hospitals dire accept naman ug card, but mas maayo nalang dili mo mo-enter ana kung wala mo nag earn ug hundred of thousands a month!

i'm not against sa credit card/cardholders/card companies kay ako mismo naa man, input lang for future cardholders..

one credit card is good, two is okay, three+ is worst... think..

[rochelle]

Wow gud pa diay ko dairyman kay i only have or maintain ONE. hehehehe 3 years nako card holder but naga change ko every year.

[dairyman]

that's right rochelle, keep it up.. hehehehe

bitaw, some people get credit card for other purposes, ya know wat i mean.. wink! wink!