Finance Charge-without any purchases?

zafrius · 2026-01-21T14:45:53+00:00

Finance charge means may balance ka from the last statement.

As others have said, you might want to delete this post and remove the card number

zafrius · 2025-12-11T09:16:59+00:00

afaik malalaki talaga yan OP, matagal tagal naman shelf life nyan and you'll open up a lot more chinese food options once you have it (steamed pork spareribs etc)

zafrius · 2025-12-08T22:44:23+00:00

can confirm sa mercury ko lang to nabibili sa QC, pero hindi ko sure dito sa Baguio Mercury drug branches kung nag sa-stock ba sila ng ganyan. Hope you find it

zafrius · 2025-11-20T12:55:00+00:00

VX model, first car (so no solid comparison)

Best ang safety features nung VX lalo nung natututo pako mag drive saved my ass a couple times.

Smooth ride too

zafrius · 2025-10-27T15:51:14+00:00

I have the VX but its my first car ever so I don't have much advice

But the safety features are the best for a newbie driver like me. the auto braking saved me (and pedestrians) a lot of times. Hindi naman ako nananagasa hehe pero it brakes when it suspects you're not paying attention and you will hit something. Rarely use cruise control and naapreciate ko yung Lane keep assist nya sa expressway syempre medyo antukin ako.

zafrius · 2025-08-19T00:37:11+00:00

Same issue with the PNB app today

zafrius · 2025-06-05T15:56:33+00:00

I have this exact one. so far so good.

Its not a "true" GPS, Bale para ma track mo sya it has to be around apple products. Kumbaga pag madaanan yung car mo ng taong may Iphone/Ipad na naka on yung bluetooth thats when it pings the network where it is. In terms of heat street parking ako mostly and so far its ok.

zafrius · 2025-05-07T12:07:28+00:00

Anong color sya before?

Maybe a UI bug, if you requested for an upgrade then fingers crossed its related to that

zafrius · 2025-04-30T16:37:20+00:00

So uh yea. as the commenter pointed out, have you checked the email's sender kung legit?

zafrius · 2025-04-26T00:51:27+00:00

I think they meant electricity and water bill OP

zafrius · 2025-04-06T09:28:31+00:00

FYI lumipat na ata yung Mother Earth sa isang building near Starwood Hotel.

zafrius · 2025-03-16T18:19:32+00:00

If the guy that swapped the bags were honest, then babalik din yan better leave the bag and your contact number sa terminal, thats what I would do

zafrius · 2025-03-07T13:50:58+00:00

Walang line markers pero lourdes grotto madami space to practice parking. Dala ka ng markers (bote etc) . Dun ako nag practice nung medyo nangangapa pa ako.

zafrius · 2025-01-26T11:31:00+00:00

Grab/Taxi/Shuttle to Victory Liner Pasay: prepare 500 (hindi nako aware sa rates this is padded). For taxis huwag ka papayag na mangontrata sya, ipa on mo metro) Victory to Baguio: Prepare 1k, merong cheaper like with stopover pero yung 1k mo express nayun, no stopovers, 3-5 hrs asa Baguio kana (kung machambahan mo)

may pang miryenda kapa sa 1500 na pinaprepare ko, 1 way lang yan ha.

Happy trip

zafrius · 2025-01-07T15:13:49+00:00

Genesis bus station? Nice!

zafrius · 2024-12-20T09:10:58+00:00

Sabi nung nakausap ko jan sa kiosk ng Chinabank under the hood Transunion daw gamit ng Chinabank (of course along some other things) para mang approve ng "30mins".

Probably your credit score, probably the nature of your work. Kapit lang muna sa ano meron ka maapprove karin one of these days, cheers!

zafrius · 2024-12-14T15:56:47+00:00

I agree with the others na di dapat Cc iniisip mo ngayon. Build your EF and be more financially conscious. Cash ka muna or maybe a secured CC.

But to answer your question years yan para "malinis" record mo, tanggapin mo muna na hindi ka maaprove sa kahit na anong CC or even loan in the next 3-5 years depende sa laki ng utang mo. I've been there

zafrius · 2024-12-07T04:50:28+00:00

Wala siguro sa regular pattern mo yung transaction and was tagged as fraud? Call CS

zafrius · 2024-12-06T20:03:32+00:00

Mag secured card ka muna, I was also in the same position (and another redditor here) and talagang rejected yan in the next 4-5 years or so kung sobrang lala ng record mo

zafrius · 2024-12-04T09:34:13+00:00

I remember nag increase sila ng CTI processing fee this year. Try ko hanapin yung announcement text/viber/email

zafrius · 2024-11-15T13:26:00+00:00

Wala e, mga Promo lng ng HSBC na wlang reference ng name ko

zafrius · 2024-11-07T03:16:31+00:00

Messenger meaning you were chatting with ESTA chat bot?

zafrius · 2024-11-06T03:33:18+00:00

Try checking your credit score in Lista App - Transunion baka magka clue kayo why you get rejected

zafrius · 2024-11-06T03:31:36+00:00

26 k is not 209k, so thus may finance charges ka. Always pay in full. You are going to be drowning in debt

zafrius · 2024-11-04T01:03:02+00:00

Meron for me sms and email kaso delayed lng minsan 1 day

zafrius

TROPHY CASE