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.
Hi,
Nagpaplano akong bumili ng motor gamit ang credit card. Baka meron na sa inyo nakaexperience na ng ganito? Any tips naman po. Mas makakatipid ba ako kung magccredit card ako kaysa sa dealer ako mag installment?
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wala ka pa rin bang credit card?
wala ka pa rin bang unionbank o citibank credit card?
o gusto mo bang dagdagan ang mga credit card mo?
gusto mo ba ng maraming rewards? cashback, points, at miles?
sobrang easy lang naman po mag apply kay...
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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...
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?
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.
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.
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?
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...
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
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
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...
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 :)
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?
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...
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.
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...
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...
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
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...
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...
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...
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...
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
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.