credit card 101 💳 the ~best~ credit cards in the ph 🌟 personal review after trying out more than 10!

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credit card 101 💳 the ~best~ credit cards in the ph 🌟 personal review after trying out more than 10!

Рет қаралды 227,948

2 жыл бұрын

hola~! i've been a credit card user for 8 to 9 years, and here i'm sharing with you my top 2 pics & honest review of all the cards i've tried. so far each has its own pros and cons, and it's up to you to decide kung ano non-negotiables niyo when choosing a card. ❤️
edit: 1 mile is P48, not 54 pesos for citibank premier miles. oversight on my part :)
💳 apply for my personal recommendations:
→ citi rewards card 🌟 highly recommend. enjoy citi perks, & no annual fee for life w min 20k spend within fist 60 days for first-time citi users (check terms and conditions first!)
bit.ly/CitiCC-...
⏰ time stamps
01:38 citibank
06:00 metrobank
08:53 bpi
11:40 bdo
13:15 hsbc
14:55 unionbank
15:50 eastwest
*this video is not sponsored. citi and metrobank are my go-to cards (edit: citi and bpi visa signature na), but for transparency -- i used my link above! you can create your own url to refer citi ccs, too ✨
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credit card 101 / best credit cards in the philippines / favorite credit cards / credit card review / credit card for beginners / beginner-friendly credit card / credit card rewards / credit card points / credit card miles / credit card hacks / credit limit / credit line / citibank credit card / metrobank credit card / bdo credit card / hsbc credit card / bpi credit card / unionbank credit card / eastwest credit card / credit card due date / credit card statement date

Пікірлер: 371

@Gundancho 2 жыл бұрын

Andito na! Ang reyna ng Philippine credit cards! The one that started it all!

@8smebuttercup 2 жыл бұрын

as someone who is really new to this kind of topic this is so insightful and fun to watch. i really look up to ms.thea as an adult. financially responsible and has her finances under control. more power to your channel po

@apriljoyxx 2 жыл бұрын

finally!! 🤭🥰 palagi ko nirerewatch old video mo regarding cc❤️ thanks ate thea! 💕

@say6269 2 жыл бұрын

I think the main downside of all credit card companies here in the PH is the fraud protection. Haven't experienced having unauth charge (hope we never experience it) but having 0 fraud liability or at least a hope that the bank will be definitely to help us and investigate properly and efficiently will somehow make us comfortable using our cards. I just hope there are more and clear regulations here in the Phils to protect the consumers. Anyways, love the review as always!

@servicedoffices3016 2 жыл бұрын

I had recent fraud sa card ko. worth 9k. sobrang stressful

@ajsembrano 2 жыл бұрын

Coming from a US-based financial account, I would agree. Sa US, sobrang protected mga customers nila sa fraud.

@kyruuuuh 2 жыл бұрын

@@servicedoffices3016 Was it disputed?

@iamfraline 2 жыл бұрын

Im really thankful kay Thea kasi yung old vid nya about cc really taught me so much. Andaming reason why cc is such a great tool and im so happy I know this information early stage ng adulting ko! I've benefited for almost 2 years using my 3 cc and I never pay any interest or even annual fee! 😊😊😊

@alyzamariemagno706 2 жыл бұрын

Ano po gamit niyo cc

@rosellfloresca5653 2 жыл бұрын

It's true. Okay ang customer service ng Metrobank kahit anong cards pa. 😊

@TheaSyBautista 2 жыл бұрын

Glad to know di sila nang didiscriminate ng cards! ☺️

@rosellfloresca5653 2 жыл бұрын

@@TheaSyBautista omg thanks for the reply Ms. Thea 😍💕

@spangkytv9492 5 ай бұрын

@@TheaSyBautista Miss thea, may tanong lang po. 1st time lang sa cc na tanggap ko na yung bdo cc plat ko, hanggat hindi ko ba ito ina-activate hindi pa rin magagamit yung 1 year free access? pag inactivate ko na dun palang magagamit yung 1yr free access na no annual fee? salamat sa sagot. 😊

@maroonrick9286 Жыл бұрын

Good Morning Ms. Thea! I'm relatively very new to Metrobank, but I can see they have upgraded their app or system in terms of credit card transactions na. Parang Citi yung system nila sa app kasi for instance, nagswipe ka amounting to PHP 500, it will be reflected immediately doon sa app with a status ("unposted") and status "posted" after a day or two. Convenient sya for us MB CC holders kasi namomonitor natin if it is an unauthorized/fraud transaction. Of course, I took in to consideration na itong vlog mo na was uploaded a year ago, and by that time 'di pa gaano naupgrade or naupdate. hehehe. safe swiping po! And I'm a subscriber too! 😉😊

@enricocuevas4157 2 жыл бұрын

Hello thea. Very informative ang vlog mo na ito. Madami ako natatunan tungkol sa 3 credit card series mo. Btw, yung eastwest mo i heard na pag umabot ng 300k ang credit limit mo dun pwede mo paconvert sa platinum which is no annual fee forever. Try mo 😃 gusto ko sa kanila is mababa loan interest nila as low as 0.35

@marieldelacruz199 2 жыл бұрын

Relly thankful with your video, super malinaw ang explanation. Para user na 2lad ko

@shairamancilla4435 2 жыл бұрын

Very insightful. Thank you for sharing this. Infairness naman talaga sa mga bank personnel ng east west, fresh talaga sila karamihan.

@thorcayco 2 жыл бұрын

Hello, Thea. Just wanted to let you know na you’re one of the reasons why I finally had the courage to get a credit card. Dati takot na takot ako baka kasi mabaon ako until watching your videos and enlightening us viewers about the perks of getting a credit card. Now, 2 years na ko gumagamit ng credit cards. Dami ko na din na earn na rewards, cashback, gc’s etc. 😊

@lovejuliene1111 2 жыл бұрын

Ano Pong cards gamit nio?

@raisummers6721 2 жыл бұрын

I think you should update this after Citibank’s migration to UB this coming Q2.

@apolinarabreu4838 2 жыл бұрын

Informative video. Thank you for this. I hope you can do an updated credit card review a year or so from now.

@chadongakyat Жыл бұрын

Hopefully you can have an update on this vlog (EOY 2022 version 😊) thank you for the inputs, Thea! Very helpful and informative esp. the perks of each cards.

@rayza135 11 ай бұрын

Make an updated version of this po ate thea please! Planning to get my first credit card. 🤞🏻

@hiiammaryah 2 жыл бұрын

Ms. Thea, just want to share n I really love your vids about personal finances. I'm always waiting for it. Super ganda at linaw mo po kasi mag explain. 💕 Naiinspire ako to improve how I handle my finances. Looking forward for more vids po. Stay safe 😊

@rowenaablonaalleno2272 2 жыл бұрын

One of your best topic ever!!! ❤️❤️❤️

@marlonjoaquin5778 2 жыл бұрын

Yung HSBC pwede nyo ipaconsolidate wherein pagaadd ang credit limit ng dalawang card, tapos ititira mo yung isang card na gusto mo. Separate limit na credit card RCBC, I have 3 card air asia, platinum JCB, platinum visa lahat separate. Eastwest you can convert it to platinum wherein no annual fee for life as long as yung limit mo is 300k and up.

@ianjerome8243 2 жыл бұрын

really useful guide and tips! thanks for sharing this, thea! ❤️

@christianphilquinto3516 11 ай бұрын

Dati takot na takot ako mag CC ngayon hindi na nung nag start ako mag CC . Need lang talaga maging responsible :) BPI is my first CC sobrang solid.

@jklatayan 2 жыл бұрын

For BPI and BDO based on personal experience you can convert ung monthly (annual) fee to annual fee. and they waive it too depends on usage pala

@1700tt 2 жыл бұрын

How po mag pa waive ng annual?

@TheBrugudugz Жыл бұрын

@@1700tt tawag ka lng sa hotline tapos irrequire ka lng nila na mag spend ng 3-5k using the card within 30days tapos mawwaive na yung annual fee.

@emmanmalabayabas9698 2 жыл бұрын

I agree gabing hirap nga makakuha ng credit card sa citibank. Ilang beses ako na declined dyan kahit may matass akong credit limit and good credit standing. Pero this month nag apply ako ulit at na approved ako.☺️☺️

@Pauloparkxxi 2 жыл бұрын

Hi po Ms. Thea! I just want to request po na sana you'll make a video about Credit Cards Terminologies for Beginners for us to be able to understand ang grasps some of the nature of Credit Cards. Thank you po.

@operativealyssa 2 жыл бұрын

Yay for an updated cc video. Your EF and cc videos yung nirerewatch ko lagi. 💖 Been thinking na rin to get a cc next year.

@the_arewin7310 2 жыл бұрын

I have citi rewards no annual fee.. Napakain po nila ako ng yellow cab at krispy crem for FREE heheheh

@enricocuevas4157 2 жыл бұрын

at last! naalala ko 2 years ago ata nanood ako video mo tungkol sa cc. dami ko natutunan. mula nun nagapply ako sa ibat ibang banks. but favorite ko rin is citi rewards at bdo visa gold and amex blue daming rebates.

@kythconney7412 2 жыл бұрын

Ate Thea, pwede gawa ka rin ng video about how to get higher chance of getting approved on credit card application please? 🥺

@maureenemanatad 2 жыл бұрын

Yes please

@ajautumn9262 2 жыл бұрын

i 2nd 🤗 this

@jofinnipabillore3785 2 жыл бұрын

Based on my experience ung bank ko mismo tumawag sakin and offered me a credit card

@maureenemanatad 2 жыл бұрын

@@jofinnipabillore3785 how much was your savings during that time when they offered po?

@12midnightvlogs 2 жыл бұрын

pag.meron kna existing account like savings account they will tell you if you want credit card also

@iloveyellow7214 2 жыл бұрын

So 2 filipino channels yung papanuorin ko para matuto ako ng tungkol sa credit dito sa Pinas. 3 weeks crash course yung gagawin ko. 2 channels lang muna yung bibinge watch ko kase gusto ko alam na alam ko yung papasukin ko bago kumuha ng credit card gusto ko kase (NO PANGARAP KONG BUMILI NG CONDO OR HOUSE AND LOT) at dapat maganda yung credit score ko love your videos Thea salamat dito sa channel mo Bbibinge watch ko tong credit card/credit related videos mo ha thank you ingat lagi 😘

@squashbrowns 2 жыл бұрын

omg! sa wakas, part 3 with credit cards!

@TheaSyBautista 2 жыл бұрын

It’s about time iupload ko na yung part 3 hahahaha

@autoweldandpaintingfabrication 25 күн бұрын

Watching from La Union very interesting topic. Full support you channel.God Bless!

@exol7155 2 жыл бұрын

I hope you can do a video about things to consider before getting credit card :)

@francoabidin6366 2 жыл бұрын

Hi Thea! Did you cancel some of your credit cards? Will that affect the credit score or what are the cons of cancelling other credit cards?

@chloeshekinah4492 2 жыл бұрын

My friend, Kat Samson, recommended this channel and it's really for reasons.

@alexisadrian2381 2 жыл бұрын

Hello ms thea i just got approved using ur link, nakahabol ako sa promo ng city rewards! 💗 Tysm ms. Thea.

@GraciaBonita 2 жыл бұрын

I agree with BPI. Like me residing here in Doha, ang tagal tagal bago ko nakausap yun customer service, nice naman yun pag uusap nahelp din nya ako kaso sobra tagal ng paghihintay.. So imagine yun load na nagamit ko pntawag. 🙄

@IrisO89 2 жыл бұрын

agree even cit rewards this year lang di na sila nagpapa waive kahit mag ask ka pa ng other conditions like spending limit reqt same sa bdo. for me okay ang bdo, amex, eastwest, and sbank....rcbc nah

@kythconney7412 2 жыл бұрын

I never clicked that fast on a new video notification.

@Nezermondez Жыл бұрын

may sms na po ang BPI every transaction and also realtime rin mag appear ung transaction sa app hehe..

@ivybeatricealias8210 2 жыл бұрын

Looking forward for your review about security bank cc. Salute to all your personal finances vlogs and all your other vlogs very informative 💕

@antonanton7162 2 жыл бұрын

Pag medyo malaki na yung gross annual mo, tas a-apply ka ng no annual fee na card, mahirap ma-approve. Target ko sana makakuha ng lahat ng no annual fee cards, pero ang nakuha ko lang citi and pnb.

@fredstylecooking2354 2 жыл бұрын

Very informative ate Thea. NG babalak din po kasi ako. Thank you very helpful Para sakin po.

@markuchiha7737 Жыл бұрын

Naloko ko ng Citi nayan PAYLITE nila hndi eligible keme letche I bought 5k SM supermarket yet still not eligible. I would rather choose BDO anywhere in SM malls pwde installment

@jodavid9558 2 жыл бұрын

So true for forex transactions with Citi. Ang taas ng rate as compared to Security bank. Advantage real time ang posting kaya mas madali magmonitor.

@johnharwinmamuyac640 Ай бұрын

Requesting updated content regarding this Ms. Thea. Thanks!!

@hiiammaryah 2 жыл бұрын

yeeeeyyy new video about credit cards 💕

@jenatutubo 2 жыл бұрын

I just got my first credit card! 😍 although small credit line lang atleast this is a good start din to build my credit score. Thanks to your credit card 101 vids Thea 😍

@ren_official10 2 жыл бұрын

Hello May I know your First CC?

@dreassi7753 2 жыл бұрын

ilang months po dumating?

@jenatutubo 2 жыл бұрын

@@dreassi7753 luckily 1 month lang 😁

@MAGTRAVEL 2 жыл бұрын

Helpful tong video lalo na sa katulad kong gustong mag earn ng miles and hotel points

@warlybatac 2 жыл бұрын

Just to share my experience.. HSBC - I like it because of the 0% installment program nila pwede for 3 to 6 months! Ang saya! Bpi - this is my first ever card, started with 10k credit limit, ngayon 6 digit na. Dami din nilang perks!! Dami kong GCs! Totoo ung sinabi mo, ang tagal ng customer service lalo na kung ipapa waive ang annual fee Citibank- I have this , simplicity ..dahil sa FREE ANNUAL fee forever!!! I will try the Citi rewards card! Thanks for this video, Thea. (My first time to comment but am always watching your vids)

@sejimarichan8247 2 жыл бұрын

Hsbc lang rin ata yung may 36months installment na 0% sa powermac

@TheaSyBautista 2 жыл бұрын

For the citi rewards for new to citi users lang yung promo ahh!! ☺️ thanks for sharing hsbc’s installment plan 💖

@venzremarcaaa 2 жыл бұрын

Very informative! Thank you, Ms. Thea.

@awomanwifemother2174 2 жыл бұрын

We have the same Metrobank cc but twice na akong na reject pa waive ng annual fee kasi yun na daw ang bagong policy nila since oct 2020 daw. How sad naman na their policy is not for everybody. 😅

@awomanwifemother2174 2 жыл бұрын

I pay ahead of time naman and before nawawaive naman nila before. 🤔

@purpledoodle06 2 жыл бұрын

Very informative!! Love your videos Thea 🥰💯

@anjoenriquez2463 2 жыл бұрын

Uy thea, came across your vid again. I've watched your Japan Trips tips. More power!

@sejimarichan8247 2 жыл бұрын

For HSBC, the platinum card was not much of a really high perks card. The premier credit card is their most expensive card which i think is better to compare to other gold/platinum cards from other banks.

@TheaSyBautista 2 жыл бұрын

parang lower tier nga lang perks ng hsbc platinum but ang mahal kasi nya hahaha

@moonchaser2240 2 жыл бұрын

You get the best treatment for Premier card and it is the best because we have a special team of agents assisting these type of cardholders (prev hsbc employee here)

@nftgamesfdr5746 2 жыл бұрын

Was able to avail HSBC Platinum na No Annual Fee For Life. Madalas mas promo sila na you can convert your transaction into 3 or 6 installments at 0% interest.

@moonchaser2240 2 жыл бұрын

FYI Eastwest gives separate credit limits

@daenyclark6958 2 жыл бұрын

Nagtry ako magpa waive ng AF pero sabi last year pa lang hindi na cla nag wewaive. Titanium cc akin.

@taekooksunset1717 2 жыл бұрын

Hi Ma'am, have you tried upgrading your EWB Gold MC to Platinum MC (assuming your CL is 300k and +) for the NAFFL nature of the latter. Very informative video Ma'am. More power 🥰

@JuliaGVlogs 2 жыл бұрын

Thank you Ms Thea for your tips..I've been following your videos and I learned a lot.God bless!

@arma74 2 жыл бұрын

Citi is pulling out of the PH, sabi it will be acquired by BPI.

@rafajavier2305 2 жыл бұрын

Siguro true po yung sinabi nyo na mas malaki chance maapprove pg my citi credit card kna. Kasi ako first card ko is citibank so kada apply ko ng other cc citibank ang ref. ko since sya pnkamatagal ko na card lhat nmn approved. Ngaapply lng ako ng card pg no annual fee ang offer.

@earlcornero 2 жыл бұрын

Citibank din favorite ko sa lahat ng CC ko. Unfortunately, magsasara na sila dito sa pilipinas naghihintay nlng ng buyer na bibili sa citiph

@ChiefJeyEf 2 жыл бұрын

Do you think po sasaluhin nung bibili yung CC service ng Citibank?

@earlcornero 2 жыл бұрын

@@ChiefJeyEf yes po sa pagkakaalam ko sasaluhin po un pero kung sino ung bank na bumili sa citibank halimbawa bdo so ung card mong citibank magiging bdo na rin papalitan nila ng bago.

@epicepi9 2 жыл бұрын

Annual Membership Fee for the first supplementary card of BPI cc is free for life, not a promotion. :) For the 2nd to the 6th, they will have half of the AMF of the card variant

@erniemharbatiller7542 Жыл бұрын

Hopefully may video ka na updated 2022 version

@kristinereyes1299 5 ай бұрын

Thanks, Ms. Thea! ❤️

@asuna3833 2 жыл бұрын

Thanks for this, very informative as always.❤

@christinepiaoan5931 2 жыл бұрын

Only kept my two Citi and MB ccs. I felt validated, Tita Thea! 😹💞

@diannepereyra7804 2 жыл бұрын

BPI isnt that strict when waiving their cc'd annual fee but they have changed their conditions. as per my business manager they no longer allow spend limit to waive the annual fee

@crayonsandepsilon 2 жыл бұрын

I think amex is not that common because merchant fee is high compared to visa and master... thanks for this video. this is very helpful. :)

@sangsinerbes8652 2 жыл бұрын

more topic about credit cards please. very interesting topic.🥰

@JordieAndes 2 жыл бұрын

Well explained. Thanks, Thea.

@freudcandelaria5806 Жыл бұрын

How much po credit limit sa simplicity +? May mastercard po ba yan

@yymmas 2 жыл бұрын

thank you for the informative video! hope you can also do a video about how you manage multiple credit cards and knowing when to apply for a new one

@jmtuguigui 2 жыл бұрын

Very informative ❤️ Ask ko lang if pwede pa ba magamit yung citi simplicity once ma activate na yung citi rewards card?

@inkapalacio1039 2 жыл бұрын

same credit limit po ba pag may citi simplicity plus and rewards? parang pag ginamit mo ung simplicity ma dededuct din sa rewards card?

@whitneymarata 2 жыл бұрын

Rcbc maganda din maam kasi unli installment sila :)

@space_guy_04 Жыл бұрын

Got my citi premier miles and they did not even ask for proof except for my ID. Ang bilis wala pang 1 week dumating na cc ko. Ang nakakakatawa pa dito yung mga cc ko sa BPi at bdo kung nasaan yung banks ko na 6 digits yung umiikot na pera dahil sa business and salary ko ang binigay na limit sakin ay 20k lang. Samantalng yung Citi ko 6 digits.

@melbinaranton3199 9 ай бұрын

City bank 3:20

@TheBurningfatz 2 жыл бұрын

Agree!!! Citi is the best 💙

@nelpuno7797 2 жыл бұрын

Hi Thea! Thanks for this video very informative. Just a question, I have monthly bills to pay sa mga property investments ko, usually thru bank transfer ang mode of payment. Kung gagamitin ko ba yung cc for payment kahit thru bank transfer mag-eearn ba ko ng kahit anong points/rewards/airmiles sa pag-gamit ng card? Thank you!

@ChiefJeyEf 2 жыл бұрын

Ms. Thea, what's you opinion/insight po na possible na may mag-acquire sa Citibank since oarang binebenta na nila?

@KBBLH 2 жыл бұрын

Sa Metrobank and Eastwest lang tayo nag tugma. hahaha. I have Securitybank and RCBC kasi, hahah

@irissia4037 2 жыл бұрын

Hi Ms. Thea! Thank you for this informative video 🤗 looking to apply for a CC, may question lang po ako pa'no ko po maeenjoy yong installment? Bet ko po kasi na laging maginstallment para sure ko pong mababayaran ko. 🤗

@DailyBitesofWisdom 11 ай бұрын

Again, thank you for this.

@mreyeglasssex Жыл бұрын

Thank you so much Miss Thea!

@ellaiification 2 жыл бұрын

This is a great credit card 101 lesson sa mga katulad ko na nag iisip mag apply for a CC, articulate at madaling maintindihan.

@perryzueww 2 жыл бұрын

well explained! thanks !

@gecellgucila632 2 жыл бұрын

Thank you sa buhay mooo Miss Theaaaa

@knonfictional 2 жыл бұрын

Hi ano pong best gamitin for overseas shopping or ginagamit niyo sa mga travels abroad? Thanks

@hilaryannmagdamit5897 11 ай бұрын

I worked at citi bank as a customer service, for you to avoid the foreign fee of 3%, you may request the merchant to charge you in peso (Philippines), the annual fee is prohibited for refund. It's already part of terms and conditions ng card. For the annual fee refund you mentioned. It just only a one time courtesy. Benefits and parts po yun ng card yung annual fee na binabayaran ninyo.

@TheaSyBautista 11 ай бұрын

Actually may foreign fee parin if you choose to be charged in Peso. Mas malaki pa spread ng POS machines vs cross-border charges. Annual fee can be waived annually by request though yun nga they are more strict now. Anyway sad na wala na Citi CCs offered here :(

@nah2318 Жыл бұрын

May update ka po sito for 2023, Miss Thea?

@anaroselangomez4411 2 жыл бұрын

Yeeeey another video 😍😍😍

@BasedGenius5 2 жыл бұрын

Oo nga no sa BPI pang 3rd time (year) ko lang nagrequest magpawaive ng Annual Membership fee nagulat ako gusto sana nila ibawas sa points ko. But then dahil kulang pa ung points ko babayaran ko na lang daw pwede din daw installment. Sabi ko ay bakit dati wala namang ganito, once na nag request ako antay lang ako 2 mins tapos babalikan ako ng agent approve na agad. Haha sa huli napapayag ko din sila. Ewan ko mahirap ata tlga dahil pandemic eh.

@oliverdelta3507 Жыл бұрын

Nothing beats Citibank sa frequency nang tawag to avail their cash loan😂

@davidjavier1856 2 жыл бұрын

ganto yung magagaling na youtuber walang paligoy ligoy

@marieorcullo6208 2 жыл бұрын

Is it worth to keep BPI Gold or downgrade nalang to BPI Blue card?? 700pesos din diff sa annual fee e. Help please.

@mmmat5475 2 жыл бұрын

Hi Ms.Thea, anong banko po savings account mo? I am planning to open a savings account kasi kaya lang i hve no idea kung alin ang ok na bank. But Mejo interested ako sa BPI or Security Bank. What do you think is better? Thank you ❤️

@itsbeyoungkuh 2 жыл бұрын

Taray eyeliner 💗 yun agad napansin ko

@sevenstar1363 11 күн бұрын

San dumedepende ng credit limit Ang metrobank

@TheaSyBautista 2 жыл бұрын

EDIT: as of 2022, ang most-used CCs ko na are my Citibank and BPI Visa Signature. Yes, nag reapply ako sa BPI kasi ang ganda ng discounts sa restaurants, palagi naka 50% off sa Wildflour, Raintree Restaurants, and Bistro Group to name a few. So far yung problems ko with BPI that I mentioned here addressed na -- like may OTP na for transactions vs nung last time I used. Phone banking has also improved by MILES! Yung last call ko regarding my card took minimal waiting period lang. I also use the Visa Signature to earn Mabuhay Miles since yung Citibank hindi na kasama sa partners ang Mabuhay Miles. Sa Asia Miles ko nalang siya tinatransfer. Also, Eastwest pala may lowest conversion fee at 1.75%, but mas preferred ko to use BPI Visa Signature for traveling kasi may free lounge access. --- hola~! i've been a credit card user for 8 to 9 years, and here i'm sharing with you my top 2 pics & honest review of all the cards i've tried. so far each has its own pros and cons, and it's up to you to decide kung ano non-negotiables niyo when choosing a card. ❤️ 💳 apply for my personal recommendation: → citi rewards card 🌟 highly recommend. enjoy citi perks, & no annual fee for life w min 20k spend within fist 60 days for first-time citi users bit.ly/CitiCC-TheaSyBautista

@awomanwifemother2174 2 жыл бұрын

We have the same Metrobank cc but twice na akong na reject pa waive ng annual fee kasi yun na daw ang bagong policy nila since oct 2020 daw. How sad naman na their policy is not for everybody. 😅

@awomanwifemother2174 2 жыл бұрын

I pay ahead of time naman and before nawawaive naman nila before. 🤔

@leiann4688 2 жыл бұрын

Paano magpawaive ng annual fee?

@mercboy111 2 жыл бұрын

I think BPI Visa Signature is one of the top go to cards. Generous P50 per airmile with other rewards perks for dining and shopping.

@MrJhajhah 2 жыл бұрын

may video po ba kayo how to increase your credit limit po sa citi salamat po

@pink06clover 2 жыл бұрын

Sa dami ng cards mo how do you manage/monitor your transactions?

@keeemdarrel 2 жыл бұрын

Hi Ms. Thea, ask ko lang po if pede ba kumuha ng installment beyond credit limit? For example 50k ang product, pero 40k lang limit, pero kukunin in 5 months so 10k/month. Never had a credit card. Thanks! :)