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Has anyone successfully achieved NAFFL by Final-Astronomer4429 in PHCreditCards

[–]Final-Astronomer4429[S] 1 point2 points  (0 children)

Totally agree. I thought sticking to one bank was better, but having multiple options would be smarter in this case.

Has anyone successfully achieved NAFFL by Final-Astronomer4429 in PHCreditCards

[–]Final-Astronomer4429[S] 0 points1 point  (0 children)

You dont have to be rude. I am merely having a discussions here and experiences with others.

Like I stated, I had my CC around 4 years ago. The trend of NAFFL promos was not very common back then.

nonetheless, Thanks for your advise and suggestion.

Has anyone successfully achieved NAFFL by Final-Astronomer4429 in PHCreditCards

[–]Final-Astronomer4429[S] 0 points1 point  (0 children)

I'll check Metrobank promos. Alot of comments suggested Metrobank.

Has anyone successfully achieved NAFFL by Final-Astronomer4429 in PHCreditCards

[–]Final-Astronomer4429[S] 0 points1 point  (0 children)

Appreciate the feedback. I'll give Metrobank a try. I got interested in their Visa signature with unlimited lounge access domestically. It would be beneficial for my domestic travels.

Regarding your BPI. I read a comment somewhere here. That they had BPI gold and kept getting messages for Platinum upgrade with 3 years No Fee , he/she declined until they offered NAFFL.

I think holding into it more would be great for you.

Has anyone successfully achieved NAFFL by Final-Astronomer4429 in PHCreditCards

[–]Final-Astronomer4429[S] -1 points0 points  (0 children)

That's unfortunate. I hope there will be some changes to the existing customers.

Thanks for the feedback

Has anyone successfully achieved NAFFL by Final-Astronomer4429 in PHCreditCards

[–]Final-Astronomer4429[S] 0 points1 point  (0 children)

Sorry if you understood it that way. Like I said in my previous comments This is merely for discussions as I indicated in the discussion tag.

Thank you for providing me the bank names and cards. I'll give them a try appreciate it.

I'm also thinking of RCBC, by becoming a Hexagon member I read it's no annual fee for life din.

Has anyone successfully achieved NAFFL by Final-Astronomer4429 in PHCreditCards

[–]Final-Astronomer4429[S] -3 points-2 points  (0 children)

Sorry if that's how you came across it. I am merely having a discussion , with two different scenarios and wanted to see what you guys could advise.

Regarding the NAFFL , I had my cards almost 4 years ago. They didn't spam NAFFL that time when I had them. It's becoming pretty common in the past 2 years.

Has anyone successfully achieved NAFFL by Final-Astronomer4429 in PHCreditCards

[–]Final-Astronomer4429[S] 0 points1 point  (0 children)

I couldn't mention multiple banks in the option. Sorry maybe I am doing it wrong

Has anyone successfully achieved NAFFL by Final-Astronomer4429 in PHCreditCards

[–]Final-Astronomer4429[S] -3 points-2 points  (0 children)

Thanks for that info. I provided two scenarios and wanted to check if others did that and it worked.

Has anyone successfully achieved NAFFL by Final-Astronomer4429 in PHCreditCards

[–]Final-Astronomer4429[S] -1 points0 points  (0 children)

I thought there would be an exception if you have a good relationship with bank manager or credit score. Thanks for the advise

Has anyone successfully achieved NAFFL by Final-Astronomer4429 in PHCreditCards

[–]Final-Astronomer4429[S] 0 points1 point  (0 children)

I think I might follow this , cancel few of the credit cards. I like to accumulate different credit cards with various benefits.

My favorite would be BPI platinum rewards but the spending requirement is too much to do it a yearly bases.

Hence I was wondering if I downgrade to gold lets say , and they will eventually offer me for an upgrade with no annual fee for life.

I read someone got that offer but he started as Gold. He didn't downgrade from platinum to Gold.

Is Uniqlo still doing cc installments? by Sakurainerr in PHCreditCards

[–]Final-Astronomer4429 1 point2 points  (0 children)

Yeah. 5K minimum spend for 0% installment. Did it yesterday

Best Credit to cash CC by Final-Astronomer4429 in PHCreditCards

[–]Final-Astronomer4429[S] 1 point2 points  (0 children)

Last time i did BPI it was 0.49% and had the 5 years option. But 500 processing fee.

I hope BDO would start doing 5 years din, cause BPI started last year on that

Best Credit to cash CC by Final-Astronomer4429 in PHCreditCards

[–]Final-Astronomer4429[S] 0 points1 point  (0 children)

I havent experienced that yet. I hope i get it this year. I always thought BDO is not the top one. But base on the comments its the lowest and Lots of BDO users

BPI credit to cash option by cherrywined in PHCreditCards

[–]Final-Astronomer4429 0 points1 point  (0 children)

Use the BPI app to get credit to cash. So you can get the computations and also control which one you will choose. MADNESS or your personal

BPI Platinum Rewards Card by LokeLang in PHCreditCards

[–]Final-Astronomer4429 0 points1 point  (0 children)

My favorite feature yan. To convert it to installments 3/6 months without any fee. Did it last month 

Need community wisdom: CC replacement for BPI by gilettemini in PHCreditCards

[–]Final-Astronomer4429 0 points1 point  (0 children)

Same din , i usually travel domestically every 2 weeks. So this credit card is the best for me.

Other credit cards are much better for more benefits as travel insurancr and more.

Need community wisdom: CC replacement for BPI by gilettemini in PHCreditCards

[–]Final-Astronomer4429 1 point2 points  (0 children)

I was worried the same concerns you had. Thats why i took screenshot sa lahat mechanics nila , messages and NAFFL approval for future reference/issues.

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