macky,
nag DCU ka rin pala!? i started with a student visa by Bank of America which was given to us without any paperwork. after using several times and paying it off right away, we were able to get a car loan from CarMax. From there DCU car loan again for 2nd car.

Philippine issued credit cards are good but they should be international ones not Phil. use only. Most merchants online would decline using a Phil. issued CC since they need to verify the address for anti fraud purposes. Now, if you call them that's another thing. They would go for it, I don't know why.