Help Best Credit Card for starter

[asero1234]

Ano po ang best credit card for starter?

 

[Arjienx]

locally accessible bank. yun dabest.

 

[NESTEA APPLE]

locally accessible bank. yun dabest.

that's straight answer hahaha love it

 

[dothackjhe]

Not sure if this is a good indicator of a good CC, pero ang Metrobank galante pagdating sa pa-vouchers. For example, late last year, around Black Friday Sales (USA), may pa-$30 discount voucher siya sa Amazon. Tapos sa Foodpanda, may pa-P200 discount voucher siya every Friday for a minimum purchase of P699. That's not to mention yung promos din niya sa Shopee, Lazada, at iba pang platforms.

But at the end of the day, nasa attitude mo with regards to timely payment ng dues mo sa CC ang ultimate basis kung okay ka sa CC o hindi. Yung iba kasi nababaon sa utang sa CC nila dahil di kumpleto o late yung payments nila during billing date.

 

[Vil_n]

Para sakin the best yung walang annual fee for life.

 

[dothackjhe]

For lifetime no annual fee CC, check this out: You do not have permission to view the full content of this post. Log in or register now.

 

[8inchhotdog]

Best credit card is no credit card. Utang yan eh

 

[BrewedCoffee]

Best credit card is no credit card. Utang yan eh

madami dn perks ang CC nagiging utang lang ito kung di mo babayaran. pero kung responsible payer ka mauutilize mo ung benefits tulad ng rewards, points, discounts.
For me mas prefer ko CC kesa cash.


as for TS question, pag beginner METROBANK talaga pag dating sa benefits.

 

[8inchhotdog]

madami dn perks ang CC nagiging utang lang ito kung di mo babayaran. pero kung responsible payer ka mauutilize mo ung benefits tulad ng rewards, points, discounts.
For me mas prefer ko CC kesa cash.


as for TS question, pag beginner METROBANK talaga pag dating sa benefits.

Deposit lang ako ng deposit paps at binibigyan din naman ako reward ng bank. Naipang grocery ko na nga ilan beses un rewards nila. Para sa akin bitag yan CC. Kung research mo mabuti dami tambak utang dahil dyan.

 

[dothackjhe]

Kung waived ang annual fee at timely yung pagbayad ng CC owner ng monthly dues, walang issue sa CC. Doon talaga sa mga delinquent alanganin ang CC dahil pwede silang mabaon sa utang pag nag-accumulate yung cost ng penalties.

 

[repaillcatho]

kahit wala na credit card may mga consumer finance provider naman like home credit mas safe pa

 

[8inchhotdog]

kahit wala na credit card may mga consumer finance provider naman like home credit mas safe pa

Eto mas ok pa. Lakas temptation ng credit card eh. Binigyan pa nga ako CC ng BDO at Metrobank pero never ko inactivate. Balak ko na nga guntingin noon.

 

[_The_Pawn_]

kahit wala na credit card may mga consumer finance provider naman like home credit mas safe pa

Are you sure? Subrang laki ng interest plus charges pa sa home credit. Mas lalong malaki din interests sa iba like Bill Ease

 

[Daigo26]

Are you sure? Subrang laki ng interest plus charges pa sa home credit. Mas lalong malaki din interests sa iba like Bill Ease

I agree on this, kaya ayoko na mag Homecredit. Metrobank CC nalng ako as long as nababayaran mu ang full amount before due date okay naman

 

[BrewedCoffee]

Deposit lang ako ng deposit paps at binibigyan din naman ako reward ng bank. Naipang grocery ko na nga ilan beses un rewards nila. Para sa akin bitag yan CC. Kung research mo mabuti dami tambak utang dahil dyan.

I agree pero depende talga yan sa card holder kung gaano ka responsible at wise spender.

Madami nalulubog sa utang kasi they spend more than what they can afford. At the end it will always be WANTS VS NEEDS. kung di ka marunong sa finances talagang malulubog ka sa utang. Hehe.

 

[v2clone]

yung walang annual fee.

 

[8inchhotdog]

Yun wala interes