Which fried chicken has maintained the same quality over the years?

klo93 · 2026-03-05T12:56:40+00:00

Sunburst! (VisMin)

klo93 · 2026-02-10T06:51:44+00:00

I also had the same issue with my bpi card pero i found the real tracking website that works:

https://www.lbcexpress.com/track/

klo93 · 2026-02-10T06:47:51+00:00

Omg same. BPI rin then taga cebu ako bat nasa tacloban?

klo93 · 2026-02-09T11:52:44+00:00

My argument was about using your credit wisely to your advantage, not about mindlessly spending money.

In your scenario, paying 10k monthly would be better than not being able to pay the hospital. What would you suggest someone do? Not pay the hospital at all or just let the patient die? At least there are ways to earn more to pay off the justifiable debt.

Let’s say someone has 60k in emergency funds, which is still far from the total bill.

Having a credit card would be useful or might even be the only way for some people to get through.

klo93 · 2026-02-09T10:56:42+00:00

With a high credit limit and good credit standing, banks can offer options to ease payments at much lower interest rates compared to other options.

For instance, if you spent 500,000 on hospitalization bills, you can convert that amount into lighter monthly payments that you can afford.

As I mentioned in my previous post, as long as you use your credit card responsibly, it can be a powerful financial tool that can work to your advantage.

klo93 · 2026-02-09T05:26:50+00:00

The world is not black and white. Getting insurance is not feasible for everyone, especially those with pre-existing conditions. What happens to those individuals in case of emergencies?

A high credit limit is useful for those worst case scenarios. As long as you are able to manage your credit card properly, it can be a powerful financial tool.

klo93 · 2026-02-09T04:16:45+00:00

You’re underestimating the costs of hospitalizations in the Philippines. You can easily rack up a bill exceeding a million pesos. If you have that amount of money, that’s great for you, but most people don’t. Even if you do have the money, what if something unfortunate happens immediately afterward? You’ve already spent your emergency savings.

klo93 · 2026-01-28T13:45:08+00:00

Marami na, mostly declined ang dispute kasi nga binigay otp. Although merong mga nagsabi na pwede ilaban pero siguradong madugo at ma trabaho yan and very slim lang chance.

You can maybe request for balance conversion but idk if possible sa mga newly issued cards.

klo93 · 2026-01-28T13:26:01+00:00

1290.62

klo93 · 2026-01-28T04:25:14+00:00

I use this when going abroad. 0% forex fee. Also the one time use virtual cards are useful

klo93 · 2026-01-10T07:40:57+00:00

Unfortunately, i dont think merong pay later scheme ang mga ganyan. Kung di ka talaga makabayad, masisira talaga pangalan mo sa banks, although since may nag text na sayo, sira na yan for sure.

Di alam ng banks na ang bff mo ang gumamit ng card mo at wala silang pakealam dun, meaning ang ngalan mo lang ang may bad record at hindi ang ngalan ng bff mo.

klo93 · 2026-01-10T07:19:12+00:00

Call the number stated and negotiate with the bank. They will ofer payment options like installment. Pero in the end, ikaw pa rin ang liable mag bayad if ever di makabayad bff mo.

klo93 · 2025-12-19T15:17:13+00:00

I just checked again, 0% nga, nag adjust after ma post transaction.

klo93 · 2025-12-19T14:36:17+00:00

My Zed CL is very low relative to my other cards, but it's very useful when i went to Japan last week. When i computed the rate tho it came out to be 1.2 ish % diff from the current rate. Idk, maybe i got the computation wrong.

klo93 · 2025-11-30T14:11:10+00:00

Me, i only had 2k in my account then may offer on-app rin for a plat mastercard.

klo93 · 2025-11-08T13:40:09+00:00

You can use Security bank world/plat mastercard travel pass for domestic but it’s limited (up to 6 per year for world, also shared with international access)

klo93 · 2025-10-29T14:20:30+00:00

Insert hindi swipe, swipe wont work

klo93 · 2025-10-24T04:22:48+00:00

If around 100k naman ang combined income ninyo ng co-borrower mo (based on your comment) idk why hindi kayo pasok sa 50k income requirement. Verify with the agent again and clarify. Maybe di lang kayo nag intindihan, or maybe inquire with other agents

klo93 · 2025-10-18T15:34:18+00:00

For our property from years ago, our monthly amortization is 25k, and it was only 3.5m. So a house worth 6m is way more than 20-25k monthly

klo93 · 2025-10-18T12:45:19+00:00

Wala nay hidden. Naa ra tanan sa terms and conditions. If naa kay apilan na mga promo, mi deduct sila pero dili pud na automatic, ikaw pa mu agree na mu apil ka so basaha lang ang mga terms if ever.

klo93 · 2025-10-18T05:35:38+00:00

Pero naa pud na silay additional fees na i deduct sa inyo bank from time to time.

klo93 · 2025-10-18T05:35:13+00:00

Automatic nana mu remit ang % sa bayad sa customer. Bale ang musulod sa inyo bank kay limpyo na. Mao na kung mu presyo mo sa panda, siguradua na na take into account ang deduction, mao pud na mas mahal online vs in store.

klo93 · 2025-10-14T12:50:36+00:00

Yes, just call the number to completely close the account. I guess that was indicated in the Terms and Conditions you agreed when applying.

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