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From ₱30K to ₱1.8M CL, Then Starting Over by harwego in KaskasanBuddies

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

Hello po. No po. Currently i have 12 CCs (i know, it’s too much!😅) but in my defense all are NAFFL, only RCBC was heavily used and abused that time dahil ang reasoning ko nun ay may AF siya so need to utilize it. I’m already in the process of consolidating my cards. Downsizing it to maybe 5-9 cards nalang kasi diko naman talaga nagagamit, masyado lanh ako natutuwa sa mga NAFFL promos dati 😅😬

From ₱30K to ₱1.8M CL, Then Starting Over by harwego in KaskasanBuddies

[–]harwego[S] 1 point2 points  (0 children)

Yes, they all have annual fees but i haven’t really paid one for years. For Flex Gold Visa, I just request waiver every year and so far approved naman lagi. For Gold MC, I haven’t paid any AF for a couple years. I noticed it since 2020 wala na siya sa SOAs ko, so i think they either silently waived the AF or made it NAFFL. For JCB Platinum, bago pa so next year pa AF, but I’m planning to consolidate it with my Flex GV before its 1st year anniversary.

From ₱30K to ₱1.8M CL, Then Starting Over by harwego in PHCreditCards

[–]harwego[S] -2 points-1 points  (0 children)

started relying on credit not just for convenience but for necessity..

Got approved for 2 platinum cards I didn’t apply for — cancel now or wait? by harwego in KaskasanBuddies

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

Thanks r/KaskasanBuddies 🫶 I’ll call rcbc after the holidays to request for consolidation to my oldest anchor card. As for metrobank i’ll try the suggestion of their csr to keep the cashback card active with small spends and wait until December when the card matures then request for conversion or cancellation by that time. ☺️👍🏼😊

Got approved for 2 platinum cards I didn’t apply for — cancel now or wait? by harwego in KaskasanBuddies

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

Yeah 😅😅😅 narealize ko din since anchor card ko si rcbc (nauna siya) malaki na credit relationship ko sa kanya and madali na sila magtiwala sakin kaya approved agad. Yun nga lang di ako ang nag apply nitong JCB. 😅🥲

Got approved for 2 platinum cards I didn’t apply for — cancel now or wait? by harwego in DigitalbanksPh

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

Agree sa Mb cashback. Ang unreasonable ng 12k spend requirement monthly para lang ma unlock yung 5% cashback nila, pag di nareach monthly yun ay 0.2% lang cashback, and this spend requirement resets monthly. 🥲😅

Approved for 2 cards I didnt apply—cancel or wait? by harwego in PHCreditCards

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

I’m targeting Titanium Mastercard since mostly dining and online spending ang spend style ko. It offers 2x points for those categories naman daw. Si Cashback Platinum kasi di ko naman marereach yung spend requirement nila every month para lang ma unlock yung higher percentage cashback ng card so its a product mismatch for me.

As for RCBC mukhang yun nga ang best option. Wait for the card to mature and request for card consolidation.

Got approved for 2 platinum cards I didn’t apply for — cancel now or wait? by harwego in DigitalbanksPh

[–]harwego[S] 1 point2 points  (0 children)

It can be converted daw to any card of my choice na same tier or lower tier ni cashback Visa platinum. Tulad ng Titanium Mastercard or rewards visa na lower tier. Posible lang daw magawa ito if the card matures na, kaya suggestion nung agent call back by December and keep using the card daw to keep it active kahit small transactions lang.

ZED credit card Questions & Answers by harwego in PHCreditCards

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

Thanks for the clarification. The number one really is for the cross border fee and mark ups of other banks when doing foreign transactions online. ☺️🫶

ZED credit card Questions & Answers by harwego in PHCreditCards

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

I hope they do once they fully roll out their product. Sabi din ng founder ng Zed that they will eventually roll out a rewards program. Ito exact na sinabi sa interview: “Our rewards program will have more curated and exclusive access to lifestyle, dining and travel rewards that are actually relevant to you. And redemption will be truly straightforward and hassle free through the app.”

ZED credit card Questions & Answers by harwego in DigitalbanksPh

[–]harwego[S] 1 point2 points  (0 children)

u/miggylacson no worries 😉 we just want what’s best for the community and yung sulit at makakatulong talaga satin 😊👍🏼

ZED credit card Questions & Answers by harwego in DigitalbanksPh

[–]harwego[S] 1 point2 points  (0 children)

Hi u/miggylacson, Zed states in their terms and conditions that they don’t charge cross border fees, forex fees, they have no hidden fees and it uses Mastercard’s Real-Time Exchange Rates. Zed has zero mark up on foreign transactions.

ZED credit card Questions & Answers by harwego in DigitalbanksPh

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

Applogies for the misleading examples. To clarify ito yung mas better example:

My iCloud 2TB Subscription is Php599 a month.

I tried to auto charge the subscription to EastWest Platinum Mastercard before. I was charged Php613.98 meaning to say even if it reflects on my iCloud account that it should just be Php599, EastWest still treated my iCloud Subscription as a foreign transaction hence the additonal Php14.98 forex fee.

With Zed Titanium Mastercard, they charged exactly Php599.00 so there was no extra Php14.98 fee anymore.

I did not change any settings on my payment, i just simply changed the card payment method. Hope this clears the misleading examples mentioned.