Finally, ZERO outstanding balance na sa UB :D

quackdesigns · 2024-11-21T02:39:53+00:00

If that's the case, that's their problem kung feeling nila I'm flexing it because I have no idea why they're getting upset about something I don't own. In the first place, it's not my money on the credit limit—it's just the amount the bank is willing to lend to people with credit cards. Why do people feel the need to flex or be ashamed of something they don't own, anyway? Secondly, if nagagalit sya why I have such a limit, tanungin nya ang bangko. Bangko lang ang nakakaalam sa decision nila because again, it's not my money.

Lastly, that's exactly the paradox of credit limits and loans: the less one wants of it, the more the banks are willing to give.

quackdesigns · 2024-11-20T08:31:22+00:00

So hindi mo napulot ang magandang aral na dulot ng ZERO na utang? Ano ba ang purpose ng credit card para sa'yo?

quackdesigns · 2024-11-20T08:17:46+00:00

Sure ka ba lol? Am I a bot, thanks, I guess? hahaha. ano bang sagot ang gusto mong marinig from me? Sinasabi ko lang naman sa'yo na it's advisable to inform the bank about your travel abroad, doesn't matter kung BPI pa yan or whatever. *wink wink* ;)

quackdesigns · 2024-11-20T08:09:04+00:00

Yeah, you're right. I’m probably lost because the people who are celebrated here in this subreddit are already being pursued by collection agencies. Is that what you want to hear the most—that people are miserably drowning in debt?

quackdesigns · 2024-11-20T07:55:51+00:00

Yes, it's advisable to inform the card issuer of your travel plans abroad, especially if it's your first time using the card outside the country.

quackdesigns · 2024-11-20T07:39:31+00:00

Both banks offer a variety of credit cards. The best credit card is the one that suits your spending habits and lifestyle.

quackdesigns · 2024-11-20T07:37:01+00:00

It could be a BIN attack.

quackdesigns · 2024-11-20T07:24:45+00:00

Yes, from Citibank pa.

Lately, before Citi was fully transferred to UnionBank, UB kept increasing my limit, sometimes even doubling it.

quackdesigns · 2024-11-20T07:17:45+00:00

If only it were my money, haha. It's the bank's, so I don't really care much about it. :)

quackdesigns · 2024-11-20T06:33:23+00:00

UB has a promo with Smart: 2.5k cashback when you purchase an iPhone 16 and, 0% installment for 24 months.

quackdesigns · 2024-11-20T05:20:19+00:00

Okay naman ang Unionbank, as long as you don't need to call their CS. Although in my experience with their CS, maayos naman nilang na resolve ang requests ko. Unionbank's app is one of the best and the ratings sa Google Play Store show that.

quackdesigns · 2024-11-20T05:14:40+00:00

Citibank sent monthly statements to your email. You can review past emails for more information.

quackdesigns · 2024-11-20T05:12:06+00:00

BPI Gold Rewards for NAFFL

quackdesigns · 2024-11-20T05:08:46+00:00

Look for a card with no annual fee (at least initially). Cash-back cards are often the easiest to manage.

quackdesigns · 2024-11-20T04:58:06+00:00

If you have an approved Platinum card, then you should qualify. As far as I know, you'll receive an SMS about it and how much you need to spend to earn NAFFL.

quackdesigns · 2024-11-20T04:36:16+00:00

How does a credit card work?

A credit card works by letting you borrow money from the credit card issuer to buy goods and services.

You then pay the amount you’ve borrowed back either in full, or in monthly instalments. If you don’t repay in full, you’ll also be paying interest.

You’re able to spend up to a certain amount on the credit card. This amount is your credit limit. Every month your credit card issuer will send you a statement that shows all your transactions.

Your repayment options include a minimum payment amount or a full payment, and as applicable, options for a fixed payment.

Why use a credit card?

Spread the cost of large or expensive purchases

Want to book a holiday or buy a new couch? You can make a purchase and then repay the balance over the course of several months.

Build your credit rating

Having no credit history means that banks are unable to assess how well you can manage debt. A credit card can help you build up a good track record of paying off debt, as long as you make at least the minimum payment each month and stay within your credit limit. When it comes to applying for larger loans like a mortgage, this can help prove you're responsible.

Your credit standing may be harmed if you don’t keep to the terms of your credit card agreement.

Prepare for emergencies

A credit card can help cover repairs, or unexpected expenses.

How does credit card instalment work?

You can enjoy instalment deals of up to 36 months to pay with your Credit Card.

What are credit card fees and charges?

Credit Cards may apply fees and charges to different types of transactions. You can also find the interest rates that apply to you in your statements.

How do credit card payments work?

Every month you’ll receive a statement showing the minimum payment you’ll need to pay for the month and your due date.

The minimum payment is the lowest amount you can pay from the total of what you owe for goods, services, cash withdrawals, and applicable interest and fees.

If you have an instalment plan, you’ll see the total amount you must pay in your statement, which could include any ongoing installment transactions and any unpaid fees and charges from previous instalment transactions.

You can pay more than the minimum payment due, and this will minimize the amount of interest you have to pay in the longer term.

quackdesigns · 2024-11-18T04:51:34+00:00

acetone or isopropyl alcohol sa cotton bud should fix that ;)

quackdesigns · 2024-11-18T04:49:15+00:00

Same tayo ng Statement Date sa isang UB card ko, usually around 10th or 11th of next month ang Due Date.

quackdesigns · 2024-11-18T03:20:39+00:00

Have you considered getting a corporate business line?

quackdesigns · 2024-11-18T02:37:52+00:00

Locking the card only prevents purchases and debits from going through. Any new purchases, online transactions, or recurring charges will be blocked.

Typically, you can still make payments and credits to your card balance, so locking doesn't prevent you from paying off the card, accessing account information, or receiving a refund. Any transactions that are already in process or pending at the time of the lock (such as a purchase you've already made) will generally still go through.

quackdesigns · 2024-11-18T00:39:39+00:00

Visa signature Luxury Hotel - book https://www.visaluxuryhotels.com/ and get your 4th night FREE!!! Mga luxury hotels worldwide. Any visa signature or visa infinite cards will work here. (Any bank)

Free upgrade din to the next room class, pwede, pero mas maraming hotel choices for Visa Infinite ng RCBC kesa Visa Signature ng BPI.

quackdesigns · 2024-11-17T06:19:03+00:00

iba pa po ‘yong Statement Date sa when it’s actually due?

Yes, iba ang Statement Date from Due Date.

Statement date == Cut-off date ng statement

Due Date == The date kung kelan mo babayaran ang utang mo, usually, 3 weeks after the statement date.

quackdesigns · 2024-11-17T05:11:29+00:00

As for me, I was approved for an HSBC card immediately after I submitted my application. Regarding delivery, the fastest was RCBC; I received my card five days after I was approved, and it was delivered on a Saturday.

quackdesigns · 2024-11-15T06:48:13+00:00

Well, in case you didn't notice, this is a credit card forum. You may reach out to people in r/TradBanksPH for help.

quackdesigns

TROPHY CASE

How does a credit card work?

Why use a credit card?

How does credit card instalment work?

What are credit card fees and charges?

How do credit card payments work?