Ranking the Worst to Best Credit Cards 💳🔥 | CITIBANK, SECURITY BANK OR BPI | Don't Miss Out!
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- เผยแพร่เมื่อ 1 ต.ค. 2024
- Union Rewards Try it:
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Proud BPI cc bearer here. Yan din ang nirerecommend ko, 2 cc lang, sapat na. 👌🏻
Yup, solid kung dalawa lang simple madali buhay😁 Thanks sa comment tol.
@@Iifeandmoney no prob boss! Sobrang avorite ko mga contents mo esp minimalism. Same na same. haha
0:59 -Citibank Premiere Miles
3:44 -Security Bank Gold Mastercard
5:54 -Citi Rewards/ Union Rewards
10:05 -Security Bank Platinum Mastercard
12:02 -BPI Rewards
Ayaw ko ng credit card na di naka attach sa Banko ko kasi may limit ang real bank ko tapos yong credit card ko ganoon din. At walang interest kasi ang bayad ng inuutang ko ay kakaltasin nila yon boo sa end of month kaya diko ayaw kong gumastos higit pa sa kita o sa sahod ko.may BPI ako gamit ko lang sa Pinas yan at ang banko ko naman saan pumapasok sahod ko ay may credit card ako .ayaw ko ng utang utang kasi patakaran ko babayaran ko din yan bat ako uutang .
Thank you for sharing😁
misleading ka boss. may annual fee sa citibank rewards na union bank rewards. ang walang annual fee is yung citibank simplicity na u visa or mastercard sa union bank
May annual fee ba yung sayo? Dalawa lang pwde nangyari jan:
1. Nakuha mo ng di naka promo
2. Di mo na achieve yung spending amount para ma activate ang promo
May dalawang video ako na ginawa sa card na yan before and I also have the card itself so I'm pretty confident sa kung ano sinasabi ko sa video ko😁
ang pogi
I highly agree to your vlog. BPI is the best. Just recently upgraded from Gold MasterCard to their ⚫️ card. More powers Sir.
Oh, nice. Thank you, sayo din❤️
Ang therapeutic nyo pakinggan.. chill lang Pero may laman…. No need nag sigaw sigawan or OA na mga sound effects.. new subs here
Thank you😁
Kung frequent traveler ka I like the combo of SB Platinum Mastercard (kasi it allows access to 3 lounges in NAIA 3, laging puno yung PAGGS since madaming credit card may access duon, si SBC lang may free access kay A-Lounge mas walang tao duon. The other cards have only 1 access either Marhaba or PAGGS). Any BPI Visa (wag Mastercard since Visa has better exchange rates) naman when spending abroad (mapa Signature or Amore basta Visa).
Great recommendation🔥
Nag try ako mag apply sa union rewards na approve po at nadeliver na po ang cc ko. Waiting po ako sa review nyo po sa union rewards kapag natanggap nyo na po. 1st time ko magkaroon ng cc. Pinag iisipan ko po kasi if gagamitin ko po or ipapacut na lang salamat po.
Sakto, gagawa ako ng review jan next hehe
thanks po for this video, nag-re-research po kasi ako sa mga recommended CC for beginners po.. hehe
Inaabangan ko yung review for Platinum Rewards soon! Haha
Hi po. 15k credit limit. Ok ba yun na mag spend 20k Para sa annual fee waiver ? Unionbank cc. Newbie .
Hi, medyo tricky pero ganito gagawin mo. Spend ka muna 15k tapos kelangan mabayaran mo muna kahit 5k para di ka mag overlimit.
Hello po sir, kaka approve lang kasi ako sa SB Wave Titanium MC 1 month plang, pero pwede na ba ako mag apply ng Isa pang CC?
Thanks
Hi, wait ka muna mga 6 months. Gamitin mo muna yung card, pra mag ka record ka.
As long as may promo na NAFFL at low foreign rate laban na HAHAHAHAHHAHAHHAAHAHAHA SAME PALA TAYO IDOL NG CC SA BPI... MINSAN MAY PROMO YAN NA YOU CAN ATTEND SA MGA ART MUSEUMS USING GOLD MC.
Kaya nga kaso di ko din naman na uutulize yun, pero tatry ko din soon😁
Pwede po magtanong ..bago lang cc q sa sb ! Halimbawa 50k nagamit q sa pagbili pwede po ba installment yun ?
depende sa bank kung may offer sila, pero kung item ang gusto mo installment like cellphone, sa merchant ka mag tatanong😁
Sasabihin nman ng merchant if straight of installment
I think naka depende sa activity ng tao kung ano ung pinaka suitable sakaniya na card.
If you’re a frequent traveller, go for the cards na mababa ang forex fee like BPI/Eastwest. Then samahan mo ng mga cards na may free lounge sa NAIA/other countries like RCBC JCB Plat/RCBC Black Card/ Security Bank Plat/ BPI Visa Signature.
If yung purpose is to get more rewards, go for rewards card.
If yung purpose is more on cashback, go for cashback cards medyo mahirap lang tLaga magpa waive ng AF 😃
Kaskas wisely lang talaga 😊
Well said tol😁
sablay ung rewards cc ng union bank, may annual fee na... di katulad noon sa CITI
Ou yung promo nila hanggang ngayon taon nalang ata. Baka soon balik nila kasi pinaka popular nila g credit card e.
Scroll through and found your video! Just subscribed! I also love using credit card and so far I have 15. Planning to get 4 more by end of this year! Im Korean living in USA.
Hello po as a beginner , nag offer kasi sakin BPI ng CC at choices ko kasi is Amore at Gold Rewards ano kaya maganda sir ?
Yo man, go with the rewards unless trip mo cashback.
Newbie palang po ako sa CC. Nakakuha po kase ako ng UB Rewards CC then I used it to purchase some items in shopee. Possible puba na mapa installment yung binili ko? It's more than 6k naman. Thanks in advance
yow men pwede pero tatawag mo pa sa kanila, tapos may interest yan.
Boss as new comer, anong pinakamagandang credit card sa beginner?
No annual fee na card, madami naman option pero sa Union Rewards ako magsisimula kung ako, pwede mo try yung link sa description. Goodluck😁
Good morning 🙏 Thank you for your valid about most worst to Good credit card🙏😄
I have learned on how to handle credit card.
Actually I don't have yet any experience about credit card that's why I just want to know first before I apply for a credit card 😊
Once again thanks again and this is mommy Zoe. 😄🙏
You're welcome po😁
10 years metrobank m card 7 digits limit na from 10k limit. 2014
Nice😁
Same bro. BPI nambawan!
the madness limit promo is not credit. it is a loanable amount that you can use on top if your credit limit in your card and can be paid in installment basis without really affecting your existing credit limit. i talked with them about this because I had the same idea with you. but it was a rather a loan offer.
Oh I see, I haven't tried using mine so ayun yung understanding ko based sa website nila but thanks for commenting it😁
@@Iifeandmoney i had to make sure kasi i was planning to purchase something beyond my current credit limit. good thing i asked first. otherwise, baka napahiya ako doon sa store if i made the purchase. hahaha! 😅
@@Iifeandmoney also, BPI is my first and only credit card. using it for 2 years now and i am glad to have seen this review. wala talaga halos hassle sa kanila to be fair.
Pero pwede din kasi na baka mali yung sinabi ng agent kasi sa mismong website nila ito nakalagay e:
Sample:
Regular credit limit: Php 150,000.00
Outstanding balance: Php 31,005.94
Available credit limit: Php 118,994.06
Bonus Madness Limit: P150,000.00 (subject to favorable credit history)
Total available credit limit for installment: Php 268,994.06
2. Inform the merchant that you wish to avail of your Bonus Madness Limit. The installment transaction amount should be equal to or less than the approved Bonus Madness Limit.
3. Should the installment transaction amount exceed the Bonus Madness Limit, credit card must be swiped once to use the Bonus Madness Limit and again for the remainder of the amount against your regular credit limit.
So ayun talaga understanding ko e, I'm uncertain if I'm missing something here. Pero considered talaga sya na parang additional sa credit limit natin. Baka tama naman yung understanding natin.
Yung loanable amount, ibang feature pa yun kasi naka receive ako ng offer na yung madness limit ko pwede ko din iconvert into cash, for instance they are currentlly offering me 370,000 na loanable amount, included jan yung madness limit.
I think tama tayo😂
Is there a secure credit card that offers lounge access?
wala ata, premium category kasi ang mga lounge access.
Sir question: Legit po ba yong tumatawag na agent daw ng BPI kahit ordinary number lang ginagamit nila? nag oofer kasi sila ng credit to cash loan tapos need lang daw nila full name at last 4digit ng card ko. Safe po ba yon?
Yow man, yung data mo kasi pinapasa ng mga banks yan sa third party. So may mga services na nag oofer ng loan sayo pero para sakin wag mo nang tanggapin. If ever man interesado ka, wag na wag kang mag bibigay ng details ng card mo or mag cliclick ng link.
Yung loan naman, pwede ka sumadya sa customer service nila or sa branch mismo ng BPI. Mas secured yun, sa panahon kasi ngayon mahirap mag tiwala sa mga ganyan.
@@Iifeandmoney Kuys maraming salamat sa heads up. :)
Nagamit ko na yung ibang credit limit ko, gusto ko sana bayaran yung nagastos pero upon checking walang outstanding balance. Haha.
Wait mo lang SOA mo😁 Mag sesend naman sila ng email sayo kung kelangan ang due date.
Rule of thumb, pay it 5 days before your due date and pay it in full.
@@Iifeandmoneytanong lng po if pay it in full walang interest ?
Hi! May offer po saken si BPI na credit card. Alin po ba ang maganda as first time cc user? Should I go for Amore or the Blue one? Wala pa po ang Gold sa choices haha
Hi, duon ka sa walang annual fee muna. Alam ko walang annual fee ang Amore pero cash back kasi yan😁 Check mo na din yung walang annual fee. Start ka palang naman, pag may credit history kana upgrade ka.
@@Iifeandmoneymagkano po annual fee ?
👍
Thank you sa information po. Ka relax boses niyo hahahaha
Sir what can you say about Amore cash back from BPI credit card, it’s my first credit card they send it to me and I received it just this month. I’m planning soon to convert it to bpi gold cc. Since i’m not into supermarket i’m more on non essential shopping and also traveling. I’m still a student po. I hope you make a video comparing it. Thanks so much for this. 🙏
Hi, yan pinaka popular nila na entry level card ng BPI. There's nothing wrong with it pero shempre yung features nya nag gragravitate towards sa cashback and sabi mo nga di sya pasok sayo.
Here's my recommendation, just keep using the card for now. After 6 months, apply ka sa gold and pa cancel mo tong Amore.
Mas okay mag start ka sa Gold Mastercard if you are into rewards😁 I'm planning to cover more credit cards content pero yun nga lagi ko issue, wala oras pa.
@@Iifeandmoney thank you so much sir. Appreciate it🫶
Ako pre approved sa UnionBank kahit na P100.00 lang savings ko ❤
wtf!😂 nice.
@@Iifeandmoney opo at nag pasalamat talaga ako kasi 1st cc ko kahit na P15,000.00 credit limit lang pero pero pwede naman daw mag request ng credit limit increase sabi ng csr nila pag 1 year na at good standing
Ang saya ng madness limit. Kakabili ko lang ng ac and dun sya nabawas sa madness 😁
ok po bang gamitin international ung cc sa bpi?
Yup, mas madali sya gamitin and mababa din ang conversion rate.
hi idol bago lng sa channel mo and i also follow na ask lang new bpi cc holder po ako last week ko lng na receive saan po kayo nag checheck ng mga promo sa credit card thanks sana mapansin
Hello po hehe.
1. Oh My Deals - Mobile App
2. Vypr by BPI - Mobile app
Please help me. Pwedy parin ba maka bayad sa GCASH using CITIBANK number pero dun na sa UNION BANK kasi Wla na dun sa option Yung CITI BANK. Worst planning to close my account with them.
Hi, sabi ni Union papalitan mo yung biller name either Unionbank Visa or Mastercard.
@@Iifeandmoney pag sa GCASH po ba Bali CITIBANK account number pero under UNION bank na? Wala na kasi CITI Bank nka lagay sa GCASH.
Yeah, you missed the golden era of Citibank Premier Miles :(
Yun nga, medyo takot pa ako sa credit cards nung mga time na yun, pero may mga friends din kasi ako na nag sheshare ng info. Ganda daw talaga ng citibank before.
Ai nako.
Me credit card ako palaging nag increase ng credit limit hindi naman ako nag request.
Palaging binabayaran yung nalance kahit ealang billing,
Tas pre payments palagi ang ginawa ko para lumaki credit limit
Ano yung prepayments?
Hello 1st time ko po magka CC and Eastwest JCB gold po siya then yung sa friend ko po JCB platinum. Tanong ko lang po if maganda po ba yung ganong type ng CC?
Hindi ako familiar sa credit card nila, kung rewards focused naman yung card, maganda naman din yan.
I applied jan sa unionbank lalo nung hype nila sa NAFFL, puro declined kahit wala naman ako bad record. Nagsawa nalang ako kaka apply. Ang nakakatawa pa, after like 2 months nung last attempt ko tumawag yung CS nila sakin just to say na declined ako. I was like what the F?
Maraming possibilities sir, nag apply ba kayo sa ibang bank bank before kayo nag apply sa Union?
Nakikita kasi nila yung record sa ganon. Anyway, wait kayo 3-6 months para ma reset lang. Good luck😁
same experience hehe, i have multiple cards hundreds of thousands pa ang limit, hindi ko alam kung ano basehan nila.
@@Iifeandmoney disappointing talga sa kin yan Unionbank, years na ako nagapply sa kanila,always rejected ang habol ko kasi No Annual Fee, kaso ayaw talaga eh
para sa kin ok ang RCBC sila na mismo ang tumawag at magpadagdag pa raw ako ng another RCBC Card.. this year naman nagdatingan sa kin ibat ibang cards thru online agent, di ko lang inactivate kasi, hindi ko nagustuhan offer ng card. Kaya siguro rejected ulit..
@@francistirona After ko naka get over sa hype I'm careful na when applying for new cards. Ang tinatarget ko nlng is yung NAFFL promos. Ngayon nag try ako sa HSBC cashback visa, kakatawag lang ng CS nila knina to verify my info sana yun mag proceed kasi maganda ung cashback nila, automatically redeemed na every month unlike nung sa amore ko
Mejo may tampo din ako jan sa RCBC kasi may existing CC ako sa kanila at naka hexagon pero di pa din nagbibigay nung hexagon CC. ang kinukulit nila sakin is yung gold JCB at gold mastercard nila eh di naman NAFFL kaya I refused
nice voice
Lodz, Ano magandang CC para sa mga utilities ntin,, kuryente, tubig, internet, etc(enrollment Facility) para iwas kalimot sa mga bayarin.. thank you lodz
Yo tol, yung citi/union maganda sa bills kasi nag eearn ka ng Rewards Points. Kahit sa hospital bills or dentals may rewards points din.
Pero kung habol mo lang automatic payment, pwede naman kahit alin na credit card. Iseset up mo nalang.
Goodday Lodz.. thank you very much..
Same first cc ko security bank gold
kodus sir.. love the way to go into details tlga.. 🎉❤
Thank you❤️
Maganda ung citi rewards talaga
I also have hsbc, malaki agad ang limit. And I like na very proactive sila tumawag for any instalment offers
nice video boss
Ano nangyari sa Citi Bank?
Boss anung credit maganda for first timer ung walang annual fee,?
Union Rewards 😁
sir ano pala keyboard mong gamit?
Oh, thank you for asking haha tatlo e
1. Logitect mx master key
2. Keychron K2 V2
3. Yung latest yung asa video, Nuphy Air 96 V2
Gawan ko review soon😁
I love the way you speak so cute
Thanks for this! Really helpful for me to navigate where to start and what card should I get as a beginner ^^
P.s. I’ve seen a lot of creators rin na maraming credit cards ang ginagamit, I thought it was better, but gladly u pointed out na it’s enough and efficient na kahit 2 cc lang
Thank you, yun nga di gusto ko sabihin. It's not worth it, for sure alam din nila yun pero ginagawa nila for the views.
maharba or marhaba?
Marhaba Lounge, nakakalito😂
Na wewaived po ba annual fee mo lod sa security bank platinum
Yes Sir😁 May video po ako medyo bago bago about jan.
9 years c.c Holder BDO AMEX Card and Citibank ngayon UB na,,.both half M na credit limit😊thank you boss for sharing your thoughts 🤗
Thanks for sharing
Every CC ay na explained ng maayos, lahat ng details na need mo nasasabi na. Thank you po!
Pwe ba magapply pag OFW na wala sa Pinas?
Di ata pwede, kelangan ng address, tin etc.
Lods, main savings account mo ba si security bank?
Yow man di ko pwede sagotin e, privacy nalang😁
I just watched this vid. I like the way you created your content. Subscribed agad! 😊
Thank you😁
Nice content, I love the apple magsafe wallet too 😊
Yow bro, mura lang yan haha I found the manufacturer online. I'll create a content about it soon😁 Thanks sa comment.
Top 5 dream/goal cc naman next 🙏
Pwede no hehe. Goal siguro, pero soon😊
gusto ko yan Union/citibank walang annual fee sila ang may ayaw sa kin.., di ko alam kung ano basehan nila, may shopee pay ako hundreds of thousands ang limit ko.
🤔 minsan may ganyan sila.
Sir. Try BPI signature. You'll love it. Baka di mo na gamitin uba card mo. Thanks for the video
Yup, that's the goal bro. Wala lang ako time mag pa upgrade pa hehe pero hinahanapan ko na ng time. Thank you din😁
I rank BPI the worst. I have a very bad experience with BPI Priority Pass. I was charged for the lounge and it was NOT automatically reversed even if I had a qualified transaction. Their customer service (both e-mail and phone) is very poor as well. Will not use my BPI card again for the lounge and do not recommend it. #fraud #scam
Good experience ako sa Citi pero now that they are UB na sobrang disappointing! Customer Service palang