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Credit Card (Part 2)

jhay18 · 391 · 95144

jhay18

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on: May 16, 2008, 09:51 PM
guys, ask lang ako, is there any fees pag pina cancel ko yung credit card ko kahit bago palang to sa akin example one month pa lang sayo.

i want to cancel it sana di ko type eh,. may babayaran ba ako?
« Last Edit: May 23, 2008, 02:01 AM by annanymous »


2mbaga

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Reply #1 on: May 17, 2008, 02:33 PM
Ako, pinagkakakitaan ko yung credit card. I asked my friends na sa kin na lang nila padaanin yung phone bills, meralco, anything that I can charge online, sa kin na lang nila bigay yung cash nila. I get more points and I use that money in short term investments. As some posters have pointed out, we have at least 21 days bago bayaran yun. So I use that time to earn money. I always pay in full come due date so walang charges sa akin. Tapos yung points na nakukuha ko ipapapalit ko sa items na pwede ko ibenta. :D

Sa sariling gastos naman, hindi ako nagpapakaskas ng credit card unless I have the cash to pay for it. Sort of wallet lang sya and convenience na nga rin para hindi na kailangan magdala ng malaking pera.

Ayaw ko rin ng credit card dati pero seeing as we can be creative with it, why not :watchuthink:


annanymous

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Reply #2 on: May 17, 2008, 04:52 PM
^Galing dumiskarte ah! :applause:


i want to cancel it sana di ko type eh,. may babayaran ba ako?

Afaik, walang bayad. You can cancel it anytime. :)


jhay18

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Reply #3 on: May 17, 2008, 07:03 PM
thanks ate anna.

2mbaga, di ba kelanagn mo ienrol yung bill sa meralco sa credit card company mo so paano mo nababayaran bills ng meralco ng mga relatives mo? balak ko ding gawin yan eh hehhee.


2mbaga

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Reply #4 on: May 17, 2008, 07:28 PM
^di na kailangan ienroll, account number lang nila yung kailangan which is nasa billing statement nila. Kailangan lang ienroll if auto charge yun gagamitin.
« Last Edit: May 17, 2008, 07:33 PM by 2mbaga »


Ping

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Reply #5 on: May 18, 2008, 09:22 AM
paano po at saan mo pwedeng bayaran ang meralco thru credit card?  kasi ako i enrol ko sa autocharge dati eh.  takes quite a while bago nag reflect, 2nd billing pa ata?


jhay18

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Reply #6 on: May 18, 2008, 09:27 AM
korek, saan po pwedeng bayaran? hindi naman po pwede sa meralco branch.


2mbaga

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Reply #7 on: May 18, 2008, 12:15 PM
^ako kasi online banking ng citibank yung ginagawa ko. Pay bills lang sa website ng citibank. Tatanungin lang yung account number, kung anong service provider, and yung amount na babayaran.
« Last Edit: May 18, 2008, 12:23 PM by 2mbaga »


p!nk

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Reply #8 on: May 19, 2008, 10:50 AM
^yep. i've tried that before. hehe... added points nga. meron ring akong isang friend na nakacharge sa akin yung online bill and he pays me more than his bill kasi nga hassle daw for me na nakikicharge siya since wala siyang credit card. :D


Ping

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Reply #9 on: May 19, 2008, 06:05 PM
Mukhang sa Citibank credit lang pwede yan ah?  Tama ba ako?

I cant see that feature sa ibang credit card issuer - BDO, Unionbank, HSBC, Metrobank?  Pwede rin bang magbayad ng Meralco using those cards?


jhay18

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Reply #10 on: May 19, 2008, 07:52 PM
sana pwede din  :D


sardonyx

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Reply #11 on: May 21, 2008, 09:25 AM

^ako kasi online banking ng citibank yung ginagawa ko. Pay bills lang sa website ng citibank. Tatanungin lang yung account number, kung anong service provider, and yung amount na babayaran.


ok ah! i thought you need to enroll pa and since they are under my parents' names... pero pwede pala.  pang-points na din.   :hihi:


Ping

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Reply #12 on: May 21, 2008, 11:46 AM
^so, confirmed po na Citibank CC lang pwede ang feature na ito?

Di ba Citibank din ang may 5% rebate sa Shell fuels?

Sino po ang agent ng Citibank card dito?   :hello:


sardonyx

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Reply #13 on: May 21, 2008, 12:25 PM
^yes po, citibank has this feature, don't know with other cards though.  citi-shell also offers 5% rebates for fuel purchases.  for citi-mercury, 2% rebates on mercury purchases (aside from the senior citizen discounts) and 0.5% on all other purchases, 25% discount on monthly dues at fitness first, and other health care benefits.  :applause:
« Last Edit: May 21, 2008, 08:10 PM by sardonyx »


Ping

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Reply #14 on: May 21, 2008, 02:25 PM
Wow, galing pala citibank.

But, is citibank THE SAME as citi-shell?  I mean the feature about this utilities payment thing?  or just for Meralco?  PLDT, and other telcos, ok din?


 


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