Credit Cards!

[BlueBimmer]

credit cards are my holy grail...kasi company paid lahat ng CC ko :evillaugh

[ssaloon]

credit cards are my holy grail...kasi company paid lahat ng CC ko :evillaugh

same here hehehe! most if not all my CC purchases are representation/OB expenses. plus, i get the points

basta, wag uutang para magbayad ng utang!

[oldblue]

ginagamit ko credit card for bills payment

for example, globe/pldt bigyan ka ng notice of disconnection days before the 2nd month. so gagawin koI'll use the credit card to pay para 1 month pa extended hehehe. total of 3 months napapikot ko pera na sana binayad ko sa bills

another use eh yun pag kumakain kayo sa labas ng ka-tropa mo. tapos bill will amount to 2k above. puwede ko sabihin na wala ako cash, tapos kolek ko na lang cash nila tapos I'll use the CC.

para na din ako kumita ng addl. 2k above cash for the day. ok na ok sa cashflow. although medyo gawin lang to pag kakilala mga friends ng matagal kasi medyo garapal ang dating pag bago acquaintances pa lang


isa pang use eh yun mag-withdraw ako ng cash from the credit card. automatic 3% surcharge kagad yun. pero kung yun sa cash na paggamitan mo eh kikita ka ng 10% profit sa 2-3 day mabilisan transaction. kita kagad ako 7% ni wala ako nilabas sa bulsa ko hehehe

if I recall some 2 months ago, tumawag ang bangko, puwede ko na daw i-raise to 300k ang cc limit ko. di ko pa sinagot eh. imagine the power of 300k.

[MACpod]

lupet nang credit limit mo bro! yup imagine the power of it...hehe but beware of how fatal it could be.

[onat_1]

don't use it unless you really have to.pang emergency lang kung baga,in my experience nung nag max out na ang mga credit cards ko kala ko hindi na ako makasurvive,hindi pala mas mainam pa nga dahil lahat ng bilhin ko walang interest.

[flex]

Don't spend money that you don't have.

For me credit cards are very useful para hindi laging makapal ang wallet sa bulsa hehe and u get the benefit of not paying cash on that day....parang same sa pinost ni oldblue

Ibang tao kc pag me credit card eh parang d nauubusan ng pera pag gumastos...

U need to have a LOT of self control when u have this...

[Lemon]

I use credit card in all of my transactions. Gas, groceries, etc. Hinahabol ko kasi lagi ang points. Tinatabi ko na agad yun cash na pambayad, then pag dating ng monthly bill, full payment ang bayad ko para walang interest. Never pa ako na charge ng interest in the 3 years Im using my card.

Last year, I accumulated almost 20k pesos worth of points na pinalit kong gift cheque sa SM appliance center. This year di ako nag claim ng points kasi iniipon ko para pambili ng plasma or LCD TV and a big ref.

[karlbo]

credit cards are my holy grail...kasi company paid lahat ng CC ko :evillaugh

same here hehehe! most if not all my CC purchases are representation/OB expenses. plus, i get the points

basta, wag uutang para magbayad ng utang!

hahaha pare-pareho pala tayo eh.. pero yung sa kin naman yung cc ko considered as expenses sa corp. namin. grocery, pagkain, hehe pasok lahat eh..

[oldblue]

I use credit card in all of my transactions. Gas, groceries, etc. Hinahabol ko kasi lagi ang points. Tinatabi ko na agad yun cash na pambayad, then pag dating ng monthly bill, full payment ang bayad ko para walang interest. Never pa ako na charge ng interest in the 3 years Im using my card.

Last year, I accumulated almost 20k pesos worth of points na pinalit kong gift cheque sa SM appliance center. This year di ako nag claim ng points kasi iniipon ko para pambili ng plasma or LCD TV and a big ref.

ngaun ang points ko ulit eh mayroon nako free stay sa Hotel sa HK. iniipon ko pa kasi gusto ko sa California

Travel points lang binabantayan ko. para pambilis points, try mo humanap na kaibigan na ikakasal sa hotel, tapos sabihin mo i-card mo na lang 50 down nya. shoot up kagad points mo nun kasi down eh more than 100k

[mazdamazda]

For me... credit cards are very useful (well if you use credit wisely - I've learned it the hard way though).

It gets you through some rough financial times while providing convenient features.

I really like my Citibank Gold Visa... I can check my account online and monitor my expenses there.