Author Topic: Credit Card Inquiry  (Read 20414 times)

Offline red_sunspot

  • Member
  • **
  • Posts: 509
Credit Card Inquiry
« on: January 07, 2008, 04:35:56 PM »
Sorry guys for being too noobish but this is my first time that I'll be needing a CC so I hope you guys could really help me with this.

I'm looking for a CC that is a Peso account but could buy/pay for a different currency like US Dollar / SG Dollar / Aus Dollar.

Among all credit cards available locally...
1.) What company has the lowest interest rate?
2.) What are their requirements?
3.) What's their annual maintaining charge?
4.) How fast can they issue the CC?

Many thanks for those who could give me this info... very appreciated
Intel i7 860 / CM V8 HSF
ASUS Maximus III Gene
MSI GTX970 Gaming 4G
4GBx2 Corsair Vengeance Pro 1600
Corsair HX-750W
128GB OCZ SSD
Seagate 1TB 7200.12
CM 690 PURE
-----------------------------------------------

Offline suavegabe

  • Member
  • **
  • Posts: 645
Re: Credit Card Inquiry
« Reply #1 on: January 07, 2008, 05:30:31 PM »
i think most CCs (visa/mastercard)can be used for foreign currencies. as long as the store accepts visa/mastercard/amex/etc. you shouldn't have a problem buying with your CC. exchange rate when they convert it to peso will be of course dependent on the bank of the CC.

1. don't know, but you should always pay the full amount of your CC bill anyway, right? ;)
2. usual requirements: payslip, ITR, Certificate of employment, valid ID
3. depends on the type of card; higher the card, higher the credit limit and higher the annual fee. most CC companies offer first year annual fee waived but i think usual fee is around 1-1.5k for the silver (entry level) card.
4. depends on the company and how fast you give your requirements. for my case around 2-4 weeks both for citibank and HSBC both of which are my first time CCs. it's a bit faster if you have other CCs since verification is also faster. 
Core i5 6500 | MSI B250M Mortar | 16gb G. Skill Rip Jaws V | Sapphire RX 480 Nitro+ 4gb | Fractal Node 804 | Noctua U12s | Logitech G-Pro | Logitech G502 Core | Swans m50w | Viewsonic XG2401

Offline red_sunspot

  • Member
  • **
  • Posts: 509
Re: Credit Card Inquiry
« Reply #2 on: January 07, 2008, 10:10:27 PM »
@suavegabe

I have to consider the interest rate since I'll be out of the country to pay the bills, don't know how long will I stay so it's best to consider the interest rate. Thanks for the info btw


Anybody else got any other idea ? thanks
Intel i7 860 / CM V8 HSF
ASUS Maximus III Gene
MSI GTX970 Gaming 4G
4GBx2 Corsair Vengeance Pro 1600
Corsair HX-750W
128GB OCZ SSD
Seagate 1TB 7200.12
CM 690 PURE
-----------------------------------------------

Offline greyjohn2

  • Moderators
  • Member
  • *
  • Posts: 1992
  • fish.
Re: Credit Card Inquiry
« Reply #3 on: January 08, 2008, 01:36:38 AM »
afaik, jcb has the lowest interest rates.  but they're almost useless outside the phil.  surely in japan, yes.  the rest are pretty much the same.

if you're staying out of the country for a long period, maybe it's best to open an account on whichever bank you will get your credit card from.  that way, you can monitor your account anytime even if you don't get your bills from the mail, and you can make online payments as well, in pesos.

Offline marky

  • Member
  • **
  • Posts: 797
Re: Credit Card Inquiry
« Reply #4 on: January 08, 2008, 03:25:15 AM »
the usual rates is 3.25% to 3.5% i think. bdo has 3.25% and bpi i think is 3.4%

Offline ris

  • Member
  • **
  • Posts: 3830
Re: Credit Card Inquiry
« Reply #5 on: January 08, 2008, 04:03:31 AM »
you could also inquire about their waived annual fee on the first year
To steal ideas from one person is plagiarism
To steal from many is research

Offline red_sunspot

  • Member
  • **
  • Posts: 509
Re: Credit Card Inquiry
« Reply #6 on: January 09, 2008, 04:29:10 AM »
Thanks guys, now I'm looking at BPI Blue Mastercard... is this a good choice ?

Another thing, what would be the pros and cons of choosing mastercard over visa? Which is better?
Intel i7 860 / CM V8 HSF
ASUS Maximus III Gene
MSI GTX970 Gaming 4G
4GBx2 Corsair Vengeance Pro 1600
Corsair HX-750W
128GB OCZ SSD
Seagate 1TB 7200.12
CM 690 PURE
-----------------------------------------------

Offline jojitb

  • Member
  • **
  • Posts: 1769
    • http://
Re: Credit Card Inquiry
« Reply #7 on: January 09, 2008, 09:27:22 AM »
pareho lang yan visa or mastercard.

If you will be abroad, I suggest getting a card card with online banking facilities like BPI, Metrobank, etc., so you could pay your monthly dues even if you're not here. 

Do not let your balance revolve unless you really have no choice.

Offline ris

  • Member
  • **
  • Posts: 3830
Re: Credit Card Inquiry
« Reply #8 on: January 09, 2008, 12:37:17 PM »
mas marami daw establishments na nag accept ng mastercard.  well, thats according to the people i know.  baka naman kasi sa pinupuntahan namin na lugar.  so try to check if the establishments you go to accept mastercard or visa
To steal ideas from one person is plagiarism
To steal from many is research

Offline kenn

  • Member
  • **
  • Posts: 681
Re: Credit Card Inquiry
« Reply #9 on: January 09, 2008, 01:42:51 PM »
ang alam ko, kung pwede mastercard e pwede din ung visa.

Offline Simbadda

  • Member
  • **
  • Posts: 1916
Re: Credit Card Inquiry
« Reply #10 on: January 09, 2008, 01:55:19 PM »
Thanks guys, now I'm looking at BPI Blue Mastercard... is this a good choice ?

Another thing, what would be the pros and cons of choosing mastercard over visa? Which is better?

this are the details for the blue mastercard:
      
Annual Fee: P 1,550
Financial Charge: 3.4%
Annual Fee for 1st Supplementary: Free for life
Annual Fee for 2nd to 6th Supplementary : P 775

i have the bpi express credit classic, and bpi express credit edge for stores that only accept mastercard.
it puzzles me how women seem so fragile but they can hurt men more than they realize it.

i will give you 2000 czech crowns...

Offline TNT2bluz

  • Veterans
  • Member
  • ***
  • Posts: 3912
Re: Credit Card Inquiry
« Reply #11 on: January 09, 2008, 04:06:54 PM »
Get a card with a good rewards program, Citibank VISA/Mastercard has the best of the lot. 

This is the one and only way you can mitigate any surcharges and fees they apply.

I apply them to airmiles that I use for business travel.

Interest rates should be irrelevant to you if you pay your bills on time and in full.
come on Toshi!

Offline red_sunspot

  • Member
  • **
  • Posts: 509
Re: Credit Card Inquiry
« Reply #12 on: January 23, 2008, 02:56:51 AM »
thank you guys for all the replies... I got my bpi master card already and it was automatically enrolled in my bpi express online account. Only took them 10 days and I got the card, really fast service which I really like in BPI. again thanks PPC'ers !!!
Intel i7 860 / CM V8 HSF
ASUS Maximus III Gene
MSI GTX970 Gaming 4G
4GBx2 Corsair Vengeance Pro 1600
Corsair HX-750W
128GB OCZ SSD
Seagate 1TB 7200.12
CM 690 PURE
-----------------------------------------------

Offline red_sunspot

  • Member
  • **
  • Posts: 509
Re: Credit Card Inquiry
« Reply #13 on: February 01, 2008, 09:53:55 AM »
For those BPI e-credit users, how do you pay online? kasi yung sa akin yung classic and blue lang yung available sa online payment which is kasama naman dapat yung e-credit doon since sabay sabay ko naman silang na enroll.
Intel i7 860 / CM V8 HSF
ASUS Maximus III Gene
MSI GTX970 Gaming 4G
4GBx2 Corsair Vengeance Pro 1600
Corsair HX-750W
128GB OCZ SSD
Seagate 1TB 7200.12
CM 690 PURE
-----------------------------------------------

Offline baron

  • Member
  • **
  • Posts: 529
Re: Credit Card Inquiry
« Reply #14 on: February 01, 2008, 10:12:01 AM »
What do you mean? I just enrolled my customer number online, went to the bank to give them the signed form. Your customer number will automatically include all credit cards assigned to you.

Offline Japorms

  • Member
  • **
  • Posts: 389
Re: Credit Card Inquiry
« Reply #15 on: February 01, 2008, 12:04:45 PM »
based on my personal bad bad experience, wag lang citibank.

Offline TNT2bluz

  • Veterans
  • Member
  • ***
  • Posts: 3912
Re: Credit Card Inquiry
« Reply #16 on: February 01, 2008, 12:13:23 PM »
based on my personal bad bad experience, wag lang citibank.

care to elaborate?
come on Toshi!

Offline i2mp

  • Member
  • **
  • Posts: 9177
  • Linux Mint 9
Re: Credit Card Inquiry
« Reply #17 on: February 01, 2008, 12:23:27 PM »
whats wrong with citibank? i've been using citibank for almost 3 years now, nakaka $1000 worth of rewards na kami, never had a problem with this card and never paid interest nor annual fees.
i7 6700K | EVGA GTX 980 4GB | MSI Z170A M7 | Corsair 64GB DDR4 (16x4) | Samsung 850 EVO (250GB + 500GB) M.2 SSD | Corsair H110i GT Liquid Cooler | LG BD-writer | Lepo 80plusGold G700M | Corsair C70 MilitaryGreen | TP-LINK N900 Wifi card | LG 29UM55-P UltraWide

Offline red_sunspot

  • Member
  • **
  • Posts: 509
Re: Credit Card Inquiry
« Reply #18 on: February 01, 2008, 06:09:03 PM »
What do you mean? I just enrolled my customer number online, went to the bank to give them the signed form. Your customer number will automatically include all credit cards assigned to you.

Yung sa akin po kasi, credit card number yung available na option sa pay bills hindi yung customer number
Intel i7 860 / CM V8 HSF
ASUS Maximus III Gene
MSI GTX970 Gaming 4G
4GBx2 Corsair Vengeance Pro 1600
Corsair HX-750W
128GB OCZ SSD
Seagate 1TB 7200.12
CM 690 PURE
-----------------------------------------------

Offline solidhelix08

  • Member
  • **
  • Posts: 1191
  • Silenced Cathedral
Re: Credit Card Inquiry
« Reply #19 on: July 09, 2011, 04:49:40 PM »
Necro Post:

Kakakuha ko lang ng CC sa BPI, paano mag assign ng value para sa SIP?
Ano din pala pag yung store meron straight payment option, ano difference doon sa mga 6/12 months installment?
Tenks!
i5 3570 | Gigabyte H77n-WiFi | Corsair Vengeance 8Gb | Sapphire R7 265 | WD Blk 1Tb | WD Grn 3Tb | Antec HCG 620 | CM Elite 120 | Corsair K70 LUX RGB | Logitech G900 Chaos Spectrum | Edifier M3300 | LG 42in 3D TV

Currently Playing: WarFrame