Citibank or HSBC?

[ep_08]

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both citibank and hsbc gamit nko kay mka extnd nko ang pag bayad at d first half of the month i use my hsbc dn d nxt half citibank nasad...bad thing about credit cards is that nagkamahal ang annual fees! But wat s gud about credit cards is dat pwde pa nmu pa tuyokon ang money for a month as long as aware ka pirmi sa imu due dates.

[love2travel]

citibank is better for me...

[pelits15]

Citibank is more ok.

[sellpccebu]

both are ok as long as you know when to pay?
dili lang ang minimum bayaran aron wala interest..

[miyay]

i like both. red card ako hsbc so for every P10 purchase worth 1 point na compared to other cards na P45-P50 for every point. ang citibank nako kay cash back so i get back a bit of what i purchase. both cards give rebates. but what i love best about these card issuers is that since i started using their cards (more than 5 years na) i never paid an annual fee. plus point sa hsbc kay hasta ang annual fee sa ako supplementary ako napawaive bisag gamay nalang nabilin nako na points. before nako ipawaive ang annual fees i make sure na naredeem nako as many points as i can.
my advise for all cardholders, never pay annual fees. card issuers earn at least 5% of what you purchase. i have 5 cards and i never paid the fee. if dili mosugot na iwaive dayon ang fees, negotiate. like magpurchase lang ka worth P3K or P5K using the card. if dili jud mosugot, ipacut off, im sure mogive way na sila. if not, u can always get another card. just be credit worthy. (hala ka taas na, feeling know it all...hahaha)

[kryssy123]

i prefer citibank!

btaw, miyay is right! never pay jud ur annual fee... f mabill-an na ka sa imo annual fee, call daun sa ila hotline for reversal of annual fee!

[glamconnection]

makatabang ang credit card pero makadaot pod..gamiton ra gyud sa importante or kana kabalo ka nga naa ka ikabayad...makatintal man gud kai swipe2x ra ka pero patay ka sa due date..then kung minimum due ra imo bayran...ang interest anogon kaau...pagcash na lang oi..wala pa kay hunahunaon kai sagaran sa mga nagcredit card naputos noon ug samot sa utang...

[bishop__]

How about MetroBank Credit cards? Do you have nny violent reactions/comments?

[ysamigs]

rcbc bankard akoa....hehehehe

[jenny_phoebe]

it's better to have no cards lang jud. for me, cash nalng kung para walay utang kay sayang sad ang interest.