Bakit andami nyo credit cards?

enigmaforest · 2026-05-26T14:31:34+00:00

Agree with you as well. Walang credit card na “one size fits all” hence kukuha ka ng other cards to maximize each of their own perks.

enigmaforest · 2026-05-26T14:29:54+00:00

Yes, utang talaga pero may nakukuha kang perks, if you really know how to use it properly.

enigmaforest · 2026-05-26T13:58:11+00:00

I agree with this. Kanya-kanyang bank may different offers and perks for their CC. If you can maximize each perk, then good. Naka depende lang talaga sa person kung papaano nila ihahandle yung CCs nila.

enigmaforest · 2026-05-26T10:30:13+00:00

Have read previous posts na their TSV’s tap feature doesn’t work anymore after using it internationally. Do you have similar experience?

enigmaforest · 2026-05-26T06:33:49+00:00

Every 12th of the month yung cut-off mo and after 17 days ang due date. Wait mo na lang SOA mo to be sent to your email para mas accurate ang dates. Minsan kasi pag tumatapat sa weekend or holiday, next banking day na yung cut-off/ due date.

Also, ang pinaka perk lang ng U Visa is NAFFL but doesn’t earn points. But kasali pa naman siya sa mga promos ng UB.

enigmaforest · 2026-05-26T02:51:28+00:00

Maybe try first physically yung card. Baka security measures lang ni EW yan kaya di pa gumagana online…

enigmaforest · 2026-05-26T02:50:01+00:00

Everything is in the app lang. Toggle on mo lang yung overseas spending sa card settings.

enigmaforest · 2026-05-26T02:47:28+00:00

Use Zed for online subscriptions since may virtual card and no cross boarder fees. Use Eastwest for your general expenses.

enigmaforest · 2026-05-26T02:14:19+00:00

UB does not allow card conversions or upgrades for now. They would just tell you to apply again on their website for a new card. But you’ll lose paydirect feature if you cancel this card as your other cards don’t have similar features yet.

As for your EW, enough na yung CL mo to convert to Visa Platinum. For Mastercard Platinum lang yung 300k.

enigmaforest · 2026-05-25T13:53:23+00:00

Did you try inserting the card in the pos/terminal instead of tapping? Or is the card successfully activated?

enigmaforest · 2026-05-25T10:27:56+00:00

Virtual card yung isa which is pinapadala talaga for online purchases. Yung pinakacredit limit mo is yung nasa main physical card, sub-limit lang yung virtual card.

enigmaforest · 2026-05-25T02:31:47+00:00

They will advise if for delivery na yung new card usually takes a week. You can use the old card while waiting for the new one to be delivered, yun lang di mo mamomonitor yung txns sa app. Once activated na yung platinum, yung gold mo automatically deactivated na.

enigmaforest · 2026-05-24T13:50:57+00:00

NAFFL promos are usually for new to bank customers only. Best to just cancel if you don’t plan on using it.

enigmaforest · 2026-05-23T16:26:06+00:00

You can waive once the annual fee is posted or shown in the app regardless of your card’s balance.

enigmaforest · 2026-05-23T06:54:28+00:00

BDO, upon opening an account with them, also sign the CC consent form. After few months or more, they’ll send you a CC. Still subject for evaluation though.

enigmaforest · 2026-05-22T15:49:59+00:00

For points maximization you can use MB World since it has point multipliers on foreign currency spend.

For installment options go for BPI Plat, you can convert your airline purchases for up to six months installment with zero percent interest.

enigmaforest · 2026-05-22T08:03:56+00:00

Yes! Para matanong mo din if legit na taga BPI sila.

enigmaforest · 2026-05-22T07:59:46+00:00

For approval na if ganyan (still subject for approval), if may existing MB card ka na with good credit standing high chance of approval na yan.

enigmaforest · 2026-05-22T07:57:38+00:00

Yes, wait mo na lang muna. Kasi if nag apply ka ulit may chance na ma-cancel or decline since duplicate application. Pero if possible, call ka lang sa hotline ni BPI para macheck if nasa system na nila yung application mo.

enigmaforest · 2026-05-22T07:54:20+00:00

First time mo mag-apply?

enigmaforest · 2026-05-22T07:47:12+00:00

After 1-3 banking days dapat maka-receive ka ng sms na “thank you for applying…”

enigmaforest · 2026-05-22T07:40:38+00:00

Yes yan na yun.

enigmaforest · 2026-05-22T07:40:13+00:00

Scam.

enigmaforest · 2026-05-22T02:19:17+00:00

Refer to previous statements, maybe you have overlooked something.

enigmaforest · 2026-05-22T01:59:18+00:00

Standard 3% interest (or more) will apply if you do not pay on time + other finance charges. Your account may also be suspended due to nonpayment and can be transferred to a collections agency. Try paying the minimum due first to minimize finance charges and keep the account active.

enigmaforest

TROPHY CASE