Credit Cards

[dairyman]

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ur right! depende sa imo ganahan nga bank ra na..

regarding kang biggie, bisan ana pa iya paagi pag bayad, ang akong comment is the way niya gamiton.. first cash advance nya so naa nay charges ana.. i really dont know but its his preference.. good luck niya..

[biggie9385]

i think kung mag balance transfer ka from your other credit card to the other one, naa na cya extra charge (%age) sa amount na imo gi-transfer.

nope. i dont use my card for cash advance. Ang gamit ra gyud sa ako card kay pang grocery og dine out with my family (kay naa man sa ako misis ang ako card). so super control gyud ang ako expenses. Kuha ko og credit card para points/rewards kay cge man gud ko gamit og debit card sa una. so i thought na why not get na lang ko credit card then i just pay it on time and earn points at the same time. after one year, get my rewards (kung naa) then get another card from another bank para dili na ko mo bayad annual membership fee sa previous nako na card. cgurohon lang nako na pwede ko ka-pay sa ako card bills thru internet. hehehehe!

by the way, i also use a program to track my payroll and my current credit balnce. this way i can readily pay my bills while wa pa ko kadawat sa ako statement.

hope my style of using the card helps.

[dairyman]

ah okay got your point buddy..

[rochelle]

i think ang balance transfer na gina offer nila is e bail out nila imo existing balance sa other benk by paying them tapos katong ila gibayad mao to e charge nila sa imo account sa ilaha. that way ang interest sa ila naka bayad. sa interest ra man na sila mabuhi di ba? hope correct ako answer hehehehe

[dairyman]

explained well, but what i was trying to know is kung tinoud ba nga mas gamay percentage imo mabaryan in terms of charges if imong i-transfer imo balance? because i think they are offering lower rates... i dont know if naa mga hidden charges..

do you know guys that you are paying monthly for a some kind of insurance? pwede na nimo ma pa cancel..

[biggie9385]

i think tama c dairyman, once magbalance transfer ka dili na man ka mobayad og finance charge para sa ana na card, which is higher compared to the amount na imo bayran when you balance transfer. usually lower ang rate when mag balance transfer kay compared sa finance charge.

[biggie9385]

also, kabalo ba mo na naa uban bank mo-charge sa inyo og processing fee maski ang inyo agent ni-sulti na wa mo'y bayranan maski 1cent para pag-apply/pagkuha sa inyo credit card?

biktima ko ani. gi-reklamo nako. next bill naa na ko refund. so maayo gyud na pagkadawat nimo sa imo statement, check nimo dayon against sa imo mga receipts.

maayong buntag sa tanan!

[rochelle]

Biggie, what bank?

[biggie9385]

standard chartered.

[dairyman]

good for you man! wa ko ana ka bantay da..

do you guys have diners?