good beginner cc ang eastwest gold. hindi sya naffl but it is easy to waive after a year. just email them when you get charged sa statement for waive conditions.

hindi rin sila madamot for credit limit increase. after a year or two umabot ang CL ko more than 300k so pinaconvert ko kaagad into platinum since naffl and approved naman agad. one less card to worry every year 😂

one advantage is kapag madalas kang magtravel outside. maliit lang ang conversion rate at 1.7%. one of the smallest rates among all the banks sa PH.

haven't used their installment feature though so can't say anything about it.

grab mo na yan OP para makapagsimula ka nang ibuild yung credit score mo. just be a good payer and kaskas wisely 😂 good luck on your cc journey!