Started by JLE, September 29, 2018, 01:40:24 PM
Quote from: JLE on September 29, 2018, 01:40:24 PMLaking tulongbdin kacng credit card incase of emergency my magagamit ka. Kya no need na mangutang sa kakilala o magsanla ng atm sa pinagutangan.Sent from my iPhone using Pinoy Guy Guide mobile app
Quote from: aeonfenrir on October 19, 2018, 03:58:49 PMFor those with no source/proof of income or first time card holders, a good way to start is to get a secured credit card, as stated above. Depending on the bank, pwedeng 80-90% ng deposit sa account ang magiging credit limit. After a set period of time, pwede siyang ipa-convert to a regular credit card or you can use it to apply for a different one entirely. The main reason I got my credit card was to get the most out of the money we're spending. Since maglalabas lang rin naman talaga ng pera paying for bills, groceries, food, etc., why not be rewarded at the same time? Also, don't be afraid of high annual fees. Minsan na-wawaive naman and if used properly, the benefits can easily outweigh the cost of AF.Just remember not to spend beyond your means. Buy only what you can pay as if with actual cash.