Comments on: Credit Cards

By: analie

analie — Tue, 27 Mar 2007 06:33:30 +0000

i am about to have a credit card this april and thanks for the tip that i know now that there is actually no need to apply for another one as i am also afraid to go full in debt at credit and fall out of cash.

thanks for the tip that you have given in this post.

By: Noemi

Noemi — Sun, 18 Feb 2007 01:35:57 +0000

@mr nice ash- seriously? I hate being in debt. Yes I really snipped them aaway

By: mr nice ash

mr nice ash — Sun, 18 Feb 2007 01:06:32 +0000

i had a horrible experience with credit cards as well to the extent that i don’t even eat breakfast just to pay the bills. uhg…

… so you really ’slaughtered’ those cards …

By: Miguel

Miguel — Fri, 16 Feb 2007 14:34:37 +0000

Unfortunately, many establishments — and all dining places it seems - do not have terminals for ATM debit cards. Visa Electron and Mastercard Electronic aren’t widely accepted, either.

By: Zherwin

Zherwin — Fri, 16 Feb 2007 02:38:41 +0000

i had a credit card a few years back but i had it cancelled because that time i still don’t know how to control spending (think of cd’s). it was both good and not-so-good decision. good because i learned how to control my cd-addiction and not-so-good because when cash runs out and in case of emergency, what do i have? nothing.

right now, i just ride on my gf’s credit cards for big stuffs (the 0% interest installment is good) and she’s more than happy to do that (with that big “more points, more points” smile). i think debit card is also a good thing and it saves you with the cashier’s “sir, okey lang po bang kulang ng 25 cents, naubos po kasi…”

By: Noemi

Noemi — Fri, 16 Feb 2007 01:11:02 +0000

@Belle- that’s great discipline. I actually have one under my own name. The other one is a supplementary card.

@christianne- yes they keep increasing the credit limit as if we will spend that much. I never had to go over my needs.

@dexie- like i said 2 is enough. One for standby

@ Carlo- wow…hehe. you’re single so maybe they think you need to spend. It’s good you plan to cancel two. Let’s not make these credit card companies any richer.

@jhay- once you work i bet all the credit card companies will mail you.

By: jhay

jhay — Thu, 15 Feb 2007 22:49:51 +0000

Wish I had my own credit card.

Of course, I need to get my own bank account first.

By: Carlo

Carlo — Thu, 15 Feb 2007 21:15:17 +0000

I have 4 credit cards and I use all of them. Citibank increased my credit limit just last month making me qualify for an American Express card. I wanna cancel all of them coz I am paying too much already… I find it a necessity but yes, you’re right, 2 is enough. Hopefully this year I will be able to cancel the 2 other cards.. *Haayz!*

By: dexie

dexie — Thu, 15 Feb 2007 15:08:12 +0000

We only have 2 credit cards. That’s all we need.

By: Christianne

Christianne — Thu, 15 Feb 2007 08:14:21 +0000

I agree that two credit cards are enough for emergencies. It also helps to keep your credit limit low (we were offered increases repeatedly, we just asked the bank to keep it at P25,000) to avoid over-spending. Here we use debit cards and don’t have a credit card. I already shop too much online as it is, having a credit card would be a disaster