credit card

A credit card is a payment card issued to users (cardholders) to enable the cardholder to pay a merchant for goods and services based on the cardholder's accrued debt (i.e., promise to the card issuer to pay them for the amounts plus the other agreed charges). The card issuer (usually a bank or credit union) creates a revolving account and grants a line of credit to the cardholder, from which the cardholder can borrow money for payment to a merchant or as a cash advance. There are two credit card groups: consumer credit cards and business credit cards. Most cards are plastic, but some are metal cards (stainless steel, gold, palladium, titanium), and a few gemstone-encrusted metal cards.A regular credit card is different from a charge card, which requires the balance to be repaid in full each month or at the end of each statement cycle. In contrast, credit cards allow the consumers to build a continuing balance of debt, subject to interest being charged. A credit card differs from a charge card also in that a credit card typically involves a third-party entity that pays the seller and is reimbursed by the buyer, whereas a charge card simply defers payment by the buyer until a later date.
A credit card also differs from a debit card, which can be used like currency by the owner of the card. Alternatives to credit cards include debit cards, mobile payments, digital wallets, cryptocurrencies, pay-by-hand, bank transfers, and buy now, pay later. In 2018, there were 1.12 billion credit cards in circulation in the U.S., and 72% of adults had at least one card.

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  1. C

    Referral Atome Card Application - Updated Thread

    Tired of getting denied when applying for a credit card from different banks? Why not try ATOME? Use this link for a faster approval: https://www.atome.ph/mgm/card?type=card_share&uid=U0294341993&campaignId=C31447443202294743373932045061&channel=mgm_sharing_page 1. Register your phone number...
  2. Y

    Course [Udemy] Building Credit Card Fraud Detection with Machine Learning [Jan 30 2024]

    Udemy Link: Hidden content ✳ 🎀 𝐿𝒾𝓀𝑒 𝒶𝓃𝒹 𝐹𝑒𝑒𝒹𝒷𝒶𝒸𝓀 𝓅🌞 🎀 ✳:02Hype:
  3. C

    Referral Atome Card Application

    Refer to my new updated thread: Referral - Atome Card Application - Updated Thread
  4. J

    Referral Unionbank Credit card

    Hello everyone, gusto nyo bang magkaron ng credit card from unionbank? Sa mga wala pang unionbank Credit card and Citi bank Credit card, try nyong mag apply dito, madali lang magapply and fast approval...
  5. F

    Referral UNIONBANK CREDIT CARD try nyo na po baka ma approved kayo

    https://apply.cc-pl.unionbankph.com/PLCC/StartApplication?media=5199176260&scode=DCMMEMRCE1&utm_source=DCMMEMRCE1&utm_medium=MGM&utm_campaign=DCMMEMRCE1
  6. B

    Help Applying for a new credit card help

    any ideas mga sirs kung anong magandang CC ngayon dito sa pinas yung maganda ang benifits
  7. T

    Help Use Credit card BDO installment paylater on Lazada.

    Mga masters ayos lang po ba gamitin si BDO installment sa lazada? Like hindi ba ganun kalaki interest niya? also paano computation ng interest? and ano pa dapat kung iconsider kung gagamitin ko po to?
  8. K

    Help Paano kumita gamit credit card

    Hi mga ka PHC, meron akong tatlong CC meron tong 12k, 20k at 25k na credit limit. Sa ngayon ay gamit ko lang ito para sa NF at Spatipay. Gusto ko sana malaman kung san ko to pwede gamitin para pag kakitaan. Salamat.
  9. E

    Help BDO Credit card tanong lang po?

    Balak ko po kase magcash advance,ang ko po magkano po kaya interest at pwede po kaya installment?Salamat
  10. S

    Help Using Credit Card to pay for shopee

    Mga ma'am/sir may nakagamit na ba sainyo ng credit card to pay something sa shopee? For example eto (see picture), 49,999 siya, ayan na ba yung magiging price niya or may interest pa? If merong interest, mga magkano kaya? Tanong ko din sana kung may option na installment.
  11. E

    Help BDO Credit card pwede ba ipamabayad sa Merlaco bill online?

    Kase sa auto charge lumalabas yun Meralco sa pamimilian,pagsa Charge On Demand wala sa pamimilian yun Meralco.Tsaka pag sa Auto Charge yun Debit card lang pwede ipamayad wala yun Credit card,Pag sa Charge On Demand pwede meron Credit Card sa pweseng option ipambayad.Paabo po kaya ito?
  12. T

    Help Union bank credit card gold visa how to redeem petron gasoline

    Hi po share naman po baka meron po kayong alam pano mag redeem salamat po sa makasagot
  13. Y

    Help [Credit Card] - What are the benefits? How to pay properly?

    As the name suggest, gusto ko lang din malaman, para din sa kaalaman ng lahat. Ano ba talaga ang mas effective way to use CC? Ang sinasabi kasi ng iba, panget daw at baka malubog ka sa utang. Ang sinasabi naman ng iba, maganda daw kasi may mga points. Kayo mga ka-phc, okay ba sa inyo yung credit...
  14. R

    Worth in ba kumuha ng low interest loan pang tapat ng credit card bills?

    Hi ka-PHC, Worth in ba kumuha ng low interest loan pang tapat ng credit card bills? Thanks.
  15. O

    Help FB häçked Verify Credit Card daw

    Sino marunong dito mga bro? nahäçk fb ng kapatid ko, di makuha kasi verify credit card daw
  16. M

    Free email marketing platform(No Credit card required)

    Guys patulong naman. san ba ako pweding makagamit ng email marketing platform na may free na gamit. may CC card ako kaso yung sim card di ko na alam kung nasan. lol need ko lang kase nagaaral ako ng email marketing. SAlamat po
  17. A

    Help Visa Credit Card wí†hdráw

    Paano po iwí†hdráw ang Visa CC na walang otp? Nawala na kasi yung number
  18. J

    Help Credit Card

    Ano po magandang credit card na NAFFL aside from citi simplicity at new mastercard sa security bank
  19. J

    Python VCC-Generator(Valid Credit Card Generator)

    VCC-Generator is a python script that generate VCC for testing purposes only Note:It can't be used for carting Installation Hidden content
  20. P

    Help PayPal Credit card

    Help naman po mabypass ito sayang din po Kasi 8$ by the way US PayPal account account po ito
  21. H

    Help Azure capable credit card?

    Anong credit card po gamit nyo sa mga may azure para makapag register ng free account? Ayaw nya kasi I accept yung sa Maya.
  22. E

    Help What is NON-VBV credit card?

    What is NON-VBV credit card?
  23. A

    Help Best Credit Card for starter

    Ano po ang best credit card for starter?
  24. P

    Credit Card, nkakapag checkout khit mali CVV, ALARMING!!

    may nakita kaong post sa facebook kahapon, nagcheckout dw sya mali daw ung cvv pero nag input ng tamang OTP, nag success ang transaction 2nd test: tama/mali cvv, and mali OTP , failed. yung app daw po ay GRAB ano po masasabi nyo dito? medyo alarming
  25. L

    Safe ba mag add ng credit card as payment method sa iphone for subscriptions/purchases

    Naka subscribe kasi ako sa icloud 200gb plan 149pesos monthly , current payment method ko ay gcash, plan ko sana palitan payment method ko ng credit card e, safe lang kaya? nag auto deduct ba sya pag cc ang gamit gaya ng sa gcash? Natatakot kasi ako hehe mayron kaya security like example, due na...
  26. M

    Help BDO installment credit card

    Mga idol itatanong ko lang sana kung sino sa inyo may BDO installment na credit card? ano ung kaibahan nya sa common na credit card? maraming salamat sa sasagot :)
  27. A

    Payment ng credit card installment plan

    Question sa may alam. Example meron akong 6 months installment plan. Pwede ba ko mag-advance payment? Mababawasan ba interest ko if ever? O kung ano yung finix nila with computed interest for 6 months yun lang talaga?
  28. C

    Help Ano po Best Credit Card pwede kong applyan?

    Hi sa lahat, ask ko lamang po sana if ano po ang pinaka suitable na bank ang pwede kong maapplyan for Credit Card? I am a Govt. employee with a salary ng 17k per month as reflected on my current payslips po and do have some other benefits. Gusto ko sana maginstallment sa mga shops kaso lahat...
  29. I

    Help Metrobank credit card reward point how to claim

    Hello, first time user ng metro bank cc. gusto ko lang malaman pano ma claim to. though nakalagay naman sa txt kung paano eclaim diko parin ma gets hehe. saka pwede paliwanag san pwede magamit to? ginamit kona kasi credit card ko last time at meron rewards na nakuha sa halagang nagastos ko sa cc ko.
  30. I

    Help Balak ko kumuha ng cellphone gamit credit card

    Hello, i have cc metrobank. bago lang ako sa pag gamit nito. balak ko sana kumuha ng phone na installment, ask lang po kung ma full purchased po ba sya at wala ako need idownpayment? and san ko po pwede makita sa app ung balance ng utang ko bukod sa metrobank app. kasalukuyang diko kasi maopen...
  31. R

    Help Robux using fake credit card generator

    Gumagana paba robux using fake credit card?
  32. J

    Help How create Paypal Account w/o PAYMAYA, GCASH or CREDIT CARD?

    wag ko na pahabain Gawa ka paypal per or bess fillup mo lahat para ma virify need mo talaga card or bank account if wala ka maya or gcash gamit ka ng tonikbank.com piro need mo ng laman 100php para ma view mo ang virtual card no need id pag reg, salamat, gusto ko lng mag share sa mga guto...
  33. A

    Help Ano kaya issue nitong credit card at paymaya ko

    sinusubukan ko magcashin gamit credit cards ko pero ayaw laging error, meron ba dito nakakapag cashin ng credit card nila sa paymaya?
  34. K

    Help Credit card bins

    Hello I know bawal to sa forum nato pero I want to know po sino magaling mag test ng premiums sites /apps dito ? try nyo po cc bins ko if working may nakuha ako from leaked forums
  35. A

    Domino's India Data Breach - 13 TB Employee and Customer Details | latest|

    Data of 18 Crore orders of Domino’s India have become public. häçker created a search engine on Dark Web. If you have ever ordered online, your data might be leaked. Data include Name, Email, Mobile, GPS Location, etc The worst part of this alleged breach is that people are using this data to...
  36. U

    CREDIT CARD EXPERTS PASOK

    HELLO PO patanggal na lang po ah if hindi ito pwede dito . Ito problema ko simula nung nagka credit card ako grabe na luho ko. grabe na gastos ko sa food pati sa paghohotel. lol. Kaya iniisip ko cut ko na lang kasi mas sobra yung gastos ko noon kesa nung debit card lang ako. Metrobank ang cc ko...
  37. H

    Paymaya virtual credit card

    Hi tatanong at hingi lang sana ako ng feedback sa paymaya virtual credit card? naipambabayad ba talaga siya? may need sana kasi ako bilhin online ang supported lang ay CC tapos either VISA, Mastercard, Amex, JCB lang. Updated: Since may chance na hindi daw tanggapin sa iba. diba niloloadan lang...
  38. U

    CREDIT CARD di ko na alam gagawin

    hi po so naka ilang palit na po ako ng credit card ang somebody is using it talaga , right this month nagamit ko lang yung cc ko once pa lang and never sya naiswipe please help hindi ko na po talaga alam gagawin ko naiblock ko na yung card ko na old pero may gumagamit pa rin nun and the bank...
  39. W

    Closed Booking flight using someone else credit card

    Hi sir pa help po kung safe ba mag book ng flight using credit card na shinare lng sakin . may intenerary na din ako . i just want to know kung may mas nakakaalam po ba or may nahuli na sa ganto . thanks guys . long live ph corner
  40. B

    Closed Credit Card Required

    Patulong po sana. Gusto ko kasing idownload yong book o kahit read in online pero di sya maaccess kasi need ng Credit Card, di naman daw kailangan may balance basta ibigay lang daw yong info ng credit card mo. Meron po ba kayong alam? Pahingi lang po sana salamat.
  41. A

    Closed Buying CC

    May nakapag-try na po bang bumili ng cc sa validcc(.)su? Trusted po ba or scam?
  42. K

    Help If may Free Credit Card

    May Free Credit Card ba mga paps na Libre ?
  43. M

    Closed Makonsensya naman kayo

    Sa lahat ng mga häçkERS!! nagcacarding ng cc dto sa Phc.. Wala ako pakealam kung yan gusto nyo gawin. Pero bilang isang nabiktima ng mga maling gawain nyo. Sana po makonsensya naman kayo, pano kayo nakakatulog, pano nyo naaatim gamitin ang isang bagay nag galing sa nakaw??? . Alam ko po itong...
  44. K

    Closed Cc verified

    Ano po kayang CC na madaling i-verified?
  45. P

    Closed Debit card versus creditcard

    So may isang katanungan lang ako mga boss. sa carding anu ang mas madali gamitin debit or credit card??
  46. S

    Closed About validcclive

    palipat nalang ng thread kung hindi dito. Mga paps ask lang, nakabili na ba kayo ng CC sa validcc? Yung mga binibenta nilang CC dun? Legit ba mga par? balak ko bumili e need ko lang confirmation kung legit ba yung site o hindi. Hanggang mass checker lang muna ako dun e.
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