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Which bank issues credit cards with the lowest interest rate and fees?

jaolave23 · 25 · 8218

jaolave23

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I have used only one credit card since I can remember. I have therefore no information regarding the interest rates and fees charged by other banks on their credit cards. It would be good to get a side by side comparison. If you can post what you use and how much are the interest rates and fees, then we can create a table to compare everything. Thanks!


ferrariEverest

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ano ba credit card mo? BPI sakin.

BPI
finance charge: 2.75% to 3.40%
penalties: 6% of the past due month

btw, d naman kailangan ng 2 or more credit cards.
saka bawat bank, maraming klaseng credit cards na offered, so varied rin ang rates & fees.


anakbaryu

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ano ba credit card mo? BPI sakin.

BPI
finance charge: 2.75% to 3.40%
penalties: 6% of the past due month

Sir ( I assume you're a "he"), which one do you use and how much is the annual fee for it?


ferrariEverest

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Petron-BPI Mastercard. P1550 annual fee.
base yan sa kapapadala lang na list ng fees&charges.

ikaw ano gamit mo? fees & charges? salamat


anakbaryu

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Petron-BPI Mastercard. P1550 annual fee.
base yan sa kapapadala lang na list ng fees&charges.

ikaw ano gamit mo? fees & charges? salamat

sir ginagamit ko ngayon ay yung platinum capital one master card, walang annual charge.  pero wala akong credit card sa pinas pa, naghahanap nga ako ng walang annual fee.  thanks.


ferrariEverest

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walang annual fee. hanep yan a.


yojmg

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sa 'Pinas bihira ang free annual fee, but if you maintain your good credit standing sa BPI Gold they will waive your annual dues perpetually; sa citibank magaling yan maningil yearly pero pag sabihan mo na sila icancel irereverse nila yan (that is kung wala kang utang) kaya dapat always pay in full, of my 14 yrs as member, 10yrs na akong di nagbabayad ng annual dues.


ferrariEverest

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kahit hindi BPI Gold. sa ibang BPI c.cards, pwede rin pero gusto nila may ma-meet kang monthly threshold (na paggamit ng card; depende ata sa client kung magkano yung monthly limit na yan)

14years ka na sa BPI or citibank? thanks for sharing!


yojmg

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...14years ka na sa BPI or citibank? thanks for sharing!
CB 14 yrs, BPI 10yrs.


freefront

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I found out, reading from this forum, that you can have your annual fees waived---mind you, waived. Not payment deducted from your earned points, but waived. You have to call in and ask for that, when your monthly/yearly expenses charged on the card reaches a certain threshold.

The banks won't tell you about it. How do I know? Because they allowed me to do rebate on my 2,500 annual fee by deducting it from my earned redeemable points, for 7 years! That would be CITI. I also called BDO. I guess I am not a huge spender because I was told to do this every anniversary date.


ferrariEverest

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^ yan precisely yung prior post ko, mawe-waive yung annual fees only if u meet a certain requirement.

yojmg,
ano purpose mo for having 2 cards?
in your case, what was the advantage in having 2 cards?


mikkoy

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Difficult to deal with BDO, ayaw nila i-waive annual fees. For bpi, if you reach ten years with them with good credit history, waive na annual fee for life.


switchiz

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galing naman ng BPI.


freefront

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It's time to cozy up to bpi then.


yojmg

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ano purpose mo for having 2 cards?
in your case, what was the advantage in having 2 cards?
actually i have 5 cards, 3 are bank issued, pre-approved; 1 card (50k credit limit lang that i requested to CB) to use for my online shopping/paypal account linkage; 1 card is Metrobank MC M no annual dues, i maintain only for my 2 kids as extensions ---- take note lahat yan walang utang, para you always have the upper hand to cancel the card anytime as you wish, so macancel man yung iba (luckily wala pa naman) meron ka pa iba :)
freefront
why do you allow your rewards points to be deducted? magulang tlga CitiBank! 


 


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