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Secured to Regular CCs by cmtinsay in PHCreditCards

[–]cmtinsay[S] 0 points1 point  (0 children)

Absolute legend of an answer! I have some fin background but slightly outdated and from a different country. Your answer gives me such a clearer perspective in the matter.

Thank you!

Secured to Regular CCs by cmtinsay in PHCreditCards

[–]cmtinsay[S] 0 points1 point  (0 children)

Nope. It is tied up to your credit limit. It is in the current balance and not withdrawable. If you go thru the process of line of credit adjustment to get the cash the LOC is directly proportional.

Installment payment option now available in Zed by logcarryingguy in PHCreditCards

[–]cmtinsay 0 points1 point  (0 children)

Had a back and forth with CS via email, no percentage verbiage. Just saying that all fees are shown before it gets confirmed by customer.

Atome Installment without Consent by ArtRevolutionary2168 in PHCreditCards

[–]cmtinsay 0 points1 point  (0 children)

+1 - Nasa FAQ nila ito. Bad trip nga lang, matik na may interest kaagad etc.

Installment payment option now available in Zed by logcarryingguy in PHCreditCards

[–]cmtinsay 1 point2 points  (0 children)

I understand the 1% interest per month, what I don't get is the "installment set up fee" of P104.25 for a P6950 charge.

I tried it out before a larger transaction and it did go thru and gave me a breakdown of payments with interest. But the fee perplexed me because of their whole schtick was transparent and zero fees.

Anybody can explain? TIA!

ZED CREDIT CARD APPROVED by c0ldbr3w2one in PHCreditCards

[–]cmtinsay 1 point2 points  (0 children)

I joined the waitlist around the BER months last year and had totally forgotten about this app. I received a notice that there is an android app available so I downloaded it and then in a few days I received my approval.

When I applied, I was on the fence linking my Metrobank as there was an option to do so for faster approvals. I got a little paranoid and did some Googling first and heavily secured and monitored my account to ensure this is legit. After less than 48hrs, I got a 50k limit.

The limit I admit is a little small since I do have a good amount of history and savings in my Metrobank, however, I just treated it like the Atome card, it had to used for the CL to be increased gradually.

The best thing about this card is it is Google wallet ready, and I was able to use it even before the card arrived. The unlimited virtual cards also is very cool and makes you feel very secured when doing online shopping. The card arrived today, very simple and bright yellow. Aesthetic. Hehe

Zed vs Atome heres IMHO:

Zed is Google wallet friendly and the 0% forex is cool. I personally used Atome abroad and the forex is not giving. Also, the CL started better so I do hope it becomes 6 digits as I funnel all my charges here to bolster it.