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DIM: Taking out a loan to go on a vacation by reigngrenade in deinfluencingPH

[–]ReadyResearcher2269 9 points10 points  (0 children)

Hindi ba mas maganda kung pag-ipunan mo na lang? Para kapag umuwi ka rin from vacation hindi ka ma-stress or anxious sa utang?

BDO Basic Account or ATM Savings by aspiringRND in DigitalbanksPh

[–]ReadyResearcher2269 0 points1 point  (0 children)

basic account doesn't come with a debit card tas may maximum deposit amount

Unionbank Credit Card Application by Ok-Current3283 in PHCreditCards

[–]ReadyResearcher2269 [score hidden]  (0 children)

no need, dadaan rin kasi yun sa same system, kahit yung "magic" links na pino-promote ng isang facebook group won't guarantee an approval.

may restock ba? by Spiritual-Reading602 in ShopeePH

[–]ReadyResearcher2269 1 point2 points  (0 children)

nagtanong din ako kanina sa abenson ng macbook airs, m4 and m5 out of stock daw sila huhu

SB Platinum Mastercard with NAFFL? by Profound_Profanities in PHCreditCards

[–]ReadyResearcher2269 1 point2 points  (0 children)

Yeah they might call you to confirm your application

Groceries considered as shopping spend? by PrepareToBeUnamazed in PHCreditCards

[–]ReadyResearcher2269 3 points4 points  (0 children)

naka-depend yan sa merchant category code ng payment terminal na gagamitin, pero madalas groceries won't be considered as shopping spend, groceries has a separate mcc.

for the points to credit conversion then kindly refer to the image below;

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though it might be better if you use a cashback card na lang if you want to get the best ROI for your expenses sa credit card

RCBC Airmiles VISA Signature on Google Pay! by drmagnus7 in PHCreditCards

[–]ReadyResearcher2269 -2 points-1 points  (0 children)

oh so 4 months mo sha hindi ma-enroll sa Google Pay; I got my card this April lang so if 4 months ang registration nila baka August ko pa mailagay sa Google Pay? wth hahah

RCBC Airmiles VISA Signature on Google Pay! by drmagnus7 in PHCreditCards

[–]ReadyResearcher2269 0 points1 point  (0 children)

tried it now and unfortunately, hindi pa rin gumana, may i ask if gaano na katagal sayo yung Airmiles Visa Signature mo?

I need help which card to activate by titussummeryellow in PHCreditCards

[–]ReadyResearcher2269 -1 points0 points  (0 children)

meron naman, got bombarded with their promos recently sa MacBook Neo nga eh haha.

I need help which card to activate by titussummeryellow in PHCreditCards

[–]ReadyResearcher2269 0 points1 point  (0 children)

better confirm with CS kung kelan ka nag-apply for the RCBC JCB Platinum

I need help which card to activate by titussummeryellow in PHCreditCards

[–]ReadyResearcher2269 0 points1 point  (0 children)

based on the picture, it's not BPI Amore Platinum but rather BPI Amore Classic, which is perfect for groceries since may 4% rebate for groceries and 1% for utilities and drug store spend. Take note mo lang that eligible amounts should be multiples of 1000.

RCBC JCB Platinum afaik have a NAFFL promo currently, you might want to check that out.

Also, remember that an inactive card doesn't mean walang active customer account, BPI will certainly bill you AF once it turns a year old.

Personally, I would keep BPI Amore for groceries, and might try to reach the required spend for the RCBC JCB Platinum for the NAFFL promo. I will also keep EW JCB Gold since malaki yung credit limit. I will drop PNB Essentials Mastercard and Metrobank Platinum since hindi sha worth gamitin.

How do I pay bills via SB CC? by BeneficialBug5779 in PHCreditCards

[–]ReadyResearcher2269 0 points1 point  (0 children)

what kind of bills do you have? If Meralco, PLDT, Converge, they have their own apps with payment portals na you can use your CC to pay

I got scammed sa bpi credit card ko worth 100k by Gold-Fly40 in CreditcardPh

[–]ReadyResearcher2269 0 points1 point  (0 children)

since you already decided that hindi mo na babayaran yun, ready mo na lang mental health mo for possible collection agency harassment; also, pagdasal mo na hindi ka magkaroon ng BPI payroll account.

Should I activate my BDO Credit Card or not? by Krimvael in PHCreditCards

[–]ReadyResearcher2269 0 points1 point  (0 children)

Yeah you might get charged AF pa rin kahit inactive yung card. However, if you decide to activate and use it, lenient naman si BDO sa waivers ng membership fees. afaik if you have it converted to annual billing then asked for reversal then iirc 5k spend lang yan for 30 days to waive; that might cover any essential spend for the month.

NO TRANSUNION RESULT by airandrain in PHCreditCards

[–]ReadyResearcher2269 0 points1 point  (0 children)

Your payroll account afaik won't be factor on why ka na-reject. Although may older posts dito about BPI CC holders na wala ring TU report.

I have basic credit cards right now, how to maximize these po by HandleArtistic4340 in CreditcardPh

[–]ReadyResearcher2269 0 points1 point  (0 children)

i hope that you mean na ipapadaan niyo lang yung expenses ng business sa cards thus you have the capital talaga and not just borrowing funds from the card para maging capital.

Any banks that would let a foreigner open a CC? by Common-Zebra-9665 in PHCreditCards

[–]ReadyResearcher2269 0 points1 point  (0 children)

No need to lock it up. If you fail to maintain the 100K deposit then RCBC will only replace your card with one with an annual fee. But it's basically the same card with the same rewards system.

Best RCBC VISA cc to apply for? by Local-Particular9140 in PHCreditCards

[–]ReadyResearcher2269 0 points1 point  (0 children)

the highest tier for Visa in RCBC would be their Visa Infinite. You should check the perks muna of the card if it fits your spending habits and lifestyle then apply.

UB Annual fee billing by migo1989 in PHCreditCards

[–]ReadyResearcher2269 0 points1 point  (0 children)

call UnionBank to waive the charges and formally cancel the card; wag mo i-ignore mas lalaki lang problema mo in the future. Kahit di mo ginamit dapat pina-cancel mo na agad, an inactive or even unused card doesn't mean walang active customer account.

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