utang lang yan.

better idea would be getting a cash card - di sya utang, pero pwedeng gamitin like a card.

alam ko sa Unionbank meron

pwede ba yun pambook ng flights?

alam ko parang Visa sya eh. Will check.

www.unionbankph.com/inde... ito yung sinasabi ko sa unionbank xD

Tuwi na lang kasi may seatsale I always go: (wala akong credit card wah)

bdo atm card works the same

If you think you can manage it then go ahead. You'll need the practice anyway. If you need advice. Ask away.

rosmant: BPI ATM also works the same.

pano gawin ung sa BDO debit card? haha

Bots: Bossing! Hello! Ayun I'm applying one from BPI (yung Blue na MasterCard..) kasi dun ang payroll namin. Any other recommendations?

oks ang MCC din. Anyway, its good for your Credit rating..

What do you want to use it for? The point is to make money or get benefits from the card without letting them make money out of you.

For now get whatever card, be SURE and VERY SURE to pay IN FULL and ON TIME. Your credit score zoots up.

After my first two cards, companies started giving me cards. I pick and choose what I like. I get the "pre-loaded" ones (points, miles)

If their service sucks, I cash in the points and cancel. If they piss you off, don't be afraid to say "Fuck this, cancel the card"

For now, I keep two cards, with three separate limits, and with a total credit limit of a bit more than my annual salary

I always pay on time and in full. If I do not have enough money in the bank, I don't use my card. I do NOT allow finance or late charges...

jev, basta dapat matuto kang gamitin talaga siya. tama ang points ni bots.

tignan mo kami, 2 cards with 5 extensions and we haven't paid a single peso on annual fees, dahil lagi namin winwaive, hehe.

I will take note of all of these. Thank you Bots and techiefilmmaker.

Discipline lang yan

tama sinasabi ni Bots! good job haha

i will like this thread para pag nag credit card narin ako, mareremind ako haha

Bots: sana successful ako! >_< Anyway mas naniniwala naman ako sa power ng cash over plastic money.

lenujan: its funny coz I can actually DP a car with my credit card. imagine the power of resistance to say NO to lesser buy-me gadgets...