Credit Cards

[Visual C#]

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Guys, just want your thought on this:

What is a good bank to choose to apply for a credit card? Citibank, HSBC, Equitable, Standard Chartered, etc.. ?
Take into consideration the interest rates, customer service quality, etc.. and tell me which of them really shines...

I've tried applying for Citibank, but for some reason, they REJECTED my application Anything else you might want to contribute would be highly appreciated.

[rochelle]

try HSBC ok ra sad ang interest kay 3.5% lang actually pare pareho lang interest rate ana nila. equitable may bayad. sa hsbc and standard free ang processing and annual fee for 1st year.

[plak]

Mas maayo gyud ang Citibank.3 years na akong card ron.since ala ko nila ma disappoint.flexible kaayo cla.og maayo ang customer service 24 hours dli pareha sa Standard chartered cge lang ga busy ilang hotline.

[gt_boy]

wat do u mean naay bayad ang equitable? i dont think so cos i got mine with no processing fees and waived 1st year annual fee.

[darkwing]

Yup, basta customer service, dili kalupig ang Citibank...

[rochelle]

a baka ang imo na card sa equitable ang JCB. well m not also sure basta ang alam ko may bayad ang visa and mastercard nila. HSBC nice sad ang customer service. citibank jud unta to nice pero la man sya na approve so refer na lang ta niya ug card other than citibank.

[Gabriel]

Get the best of both worlds: Equitable Card for installment and low interest charges, Citibank for its exemplary customer service.

[gt_boy]

actually, Equitable amex ang ilang gipadala..

[Visual C#]

Citibank would have been a good choice for me, but after they rejected my application, I'm right now not too confident to try other banks. What I mainly do not understand though is how these banks do their CI (credit investigations). Some of my co workers who don't even have a landline (which was stated as one of their requirements for credit card eligibility) got approved. Do they draw lots or what?

[rochelle]

I also know a handful of cardholder na ang basic income di umaabot sa minimum pero nabibigyan. hehehe we really don't know how they do it. cguro pag may tumawag sa ofis nyo or bahay pa charming ka na lang sa pagsagot. hehehehe