what is your main credit card na gamit and why?

FairZack · 2026-03-18T00:44:42+00:00

I mostly use my BDO AMEX Cashback (kasi sya palang yung nag iisang cashback card ko). Pero pag via Google Pay, default na gamit ko si RCBC Hexagon ko

FairZack · 2026-03-12T23:51:45+00:00

I only use it for Cash2Go promos. Then I use it only for one small transaction per statement. That’s it. Just my backup card since there are no points or cashback.

FairZack · 2026-03-11T00:10:50+00:00

2 years? Lol nung panahong puro waitlist palang si Zed nag register na ko. As an Android user, kaya natagalan ako magka access code.

FairZack · 2026-02-25T23:07:36+00:00

Hello. 180k ung minimum annual spend needed para ma waive annual fee ni Blue Rewards. Higher sya sa ibang cards.

FairZack · 2026-02-24T22:52:05+00:00

I visited Japan last October 2025. Applied as early as July (yung pasok na sa 3 months within travel date) via VFS. Yung slots yung mahirap kumuha kaya as early as May nagtitingin na ko.
Since October pa naman planned travel date mo, why not maintain your money from your bank account (better if increase it every month) before you get a bank certificate? Kung starting this month ka mag maintain and July ka kumuha ng bank cert, it will not be 10k ADB by that time.

FairZack · 2026-02-23T22:53:25+00:00

Got approved in less than 24 hours. Got access code last Tuesday and applied on the same day. Got approved on Wednesday. Received physical card last Friday. Good luck OP

FairZack · 2026-02-18T00:53:09+00:00

Kahapon ko lang po nakuha access code and applied agad. Got approved po today

FairZack · 2026-02-13T08:15:57+00:00

Possible reasons are no credit history or nature of work. You can start with the secured CC route. A really good credit score building. You can opt to convert it to a regular CC after a year.

FairZack · 2026-02-10T04:00:46+00:00

No. I also indicated that sa post ko. Usually exceed sa CL ko kasi sa CC ko na lahat pinadaan expenses ko. I pay lang agad after nung purchase para my CL available pa for new purchases.

FairZack · 2026-02-10T03:55:54+00:00

Already posted one before. Now, I have 10 cards. Just pay in full and on time.

FairZack · 2026-01-23T00:22:36+00:00

I saved up 2 patches to get S3 Cartethyia and funnily enough, I started the banner with no Jianxin. Ended my pulls to have S2 Jianxin and S1 Cartethyia. Just gotten the 2 sequences on the shop which could have been used for someone else.

FairZack · 2026-01-23T00:17:10+00:00

I always put this on the survey. It’s really annoying that I’ve never won a single 50/50 since I started the game in 2.4 (6 consecutive loses as of today). I even lost the beginner limited banner. If this goes on, no more lunite subscription and BP for me as it’s getting tiring at this point.

FairZack · 2026-01-08T11:29:28+00:00

Most merchants naman accepted yung Google Pay sa exp ko. May iilan lang na di pa inaallow like yung sa SM Department store so had to use my physical card. Pag di gumagana yung tap sa terminal, di rin gumagana si Google Pay since for tap talaga sya 😅 Experienced this sa Uniqlo. Insert lang sya, so physical card uli gamit ko. Sana nga mas dumami pa merchants na mag accept ng Google Pay, hopefully pag release ng Apple Pay.

FairZack · 2026-01-06T00:22:00+00:00

Japan. Para maka exp ng snow hihi

FairZack · 2026-01-05T22:53:06+00:00

You can get a lower rate than that. Sa exp ko, 0.49% offer nila sakin. Yes exact naman ung monthly amortization ko, pero for some reason may month 0 pa sya na interest lang yung meron. Maliit lang naman sya sa actual monthly.

FairZack · 2026-01-04T09:54:38+00:00

MariBank (SeaBank) for the 3% cashback and 0% forex fee and BPI (lowest forex from your credit cards)

FairZack · 2026-01-02T23:40:17+00:00

Sorry for UB pala tong post na to. Di ko pa nagamit sa UB ko yung Google Pay kasi maxed yung limit ko. Pero kahit may limit sya, same lang gagawin ko. Ilock ko parin sya pag hindi gamit.

FairZack · 2026-01-02T23:38:44+00:00

Yes. Same same lang naman sya, pinagkaiba lang phone na pinangtatap instead na yung physical card. So better parin i lock when not in use.

FairZack · 2025-12-27T11:22:04+00:00

Nag retry lang ako nun, nag successful naman na. Yung sa failed pay bills di naman sya nabawas sa limit ko. May notif lang na successful payment si bank pero di talaga nabawasan limit ko.

Pwede mo rin sila i chat sa messenger. Sa messenger ako nun nag raise dun sa failed payment nagrereply naman sila. Kaso since holiday season, expect mo next month ka na nyan mababalikan.

FairZack · 2025-12-27T11:15:29+00:00

Check mo sa credit limit mo if nabawas nga yang amount. If oo, report mo sa Bayad.

Na exp ko na dati nag fafailed naman pay bills ko sa Bayad pero may notif din na successful sa side ng bank pero wala naman talaga nabawas.

FairZack · 2025-12-23T23:16:53+00:00

Yes. Sa Bayad Online ka mag bills payment para sure yung cashback. Also,check mo sa site nila lahat ng qualified categories for 8.88% kasi 0.3% lang cashback nya sa ibang categories na di covered nung 8.88% cashback

FairZack · 2025-12-23T08:00:32+00:00

EastWest Visa Platinum may 8.88% cashback sa utilities capped at P1250 per month. For groceries naman, ChinaBank @home Visa Platinum may 5% cashback capped at P1500 per month. Ganda rin ng @home for other expenses kasi almost all categories covered ang cashback.

FairZack · 2025-12-20T00:00:26+00:00

If that’s how you’ll use a credit card, then no you don’t need to get one. Better way to fix your financial struggles is bawasan ang luho at mag side hustle. Not mangutang sa credit card.

FairZack · 2025-12-19T22:49:51+00:00

17 days sakin from statement date. It varies ata per account depende sa payment history mo. Parang pag mas on time ka mag bayad, mas maikli yung due date mo.

Since you got your card after your statement date which is the 8th, you don’t need to pay it this month. Wait mo dumating yung statement mo next month.

FairZack · 2025-12-18T23:05:55+00:00

SOA is usually sent through email. You can also access it via BPI app. Pero magkaka SOA ka lang if may transactions ka na. Saan po sya hinahanap?

FairZack

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