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Do you have multiple credit cards?

akari95

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Marami ka bang credit card? walang annual fees? activated pero di mo naman ginagamit?

YES. Ikaw! Ikaw na nga. I want to share this with you until hindi pa nanonotice yung ganitong bogus. Jk!

Here's an IDEA on how you will earn interest from your credit card companies. Not the other way around. ;)

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Update:
12-Apr-2022
Do not use Robinsons Bank CC
They're charging 5%. Classified as Quasi-Cash sya. Unlike other cards, as Purchase sya naka-classify.
 
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wala akong alam sa credit card ts hehehe.

matanong lang, pag activated ba yung credit card ay pwede ka mangutang? kagaya ng tinanong sa taas.

Pag nangutang ka sa credit card at itransfer mo yung inutang mo. ay hindi ba, kaylangan mag bayad ka ng monthly?. like sa typical utang na mag babayad ka monthly para matubus yung inutang mo.

😅 wala eh,
 
wala akong alam sa credit card ts hehehe.

matanong lang, pag activated ba yung credit card ay pwede ka mangutang? kagaya ng tinanong sa taas.

Pag nangutang ka sa credit card at itransfer mo yung inutang mo. ay hindi ba, kaylangan mag bayad ka ng monthly?. like sa typical utang na mag babayad ka monthly para matubus yung inutang mo.

😅 wala eh,
Yes. Pag activated yung Credit Card (CC), pwede ka umutang thru swipe or tap (purchase).. yung way ng purchase dito sa thread ko, is thru GrabPay Card.

Is not your typical kind nang pangungutang.. kasi, in this case, ang mangyayari parang gagamitin mo lang yung credit limit mo as savings thru "purchase" in a way I explained dito sa thread.

Ganito kasi sa CC.. example, ang billing mo ay every 5th of the month tapos nagpurchase ka 10th. Sample tayo ng with month.. Let's say from May 10 until next billing, June 5, yun yung time na nasa savings mo dapat yung "purchase" mo. Plus pa yung araw before ng due date. Normally may 15 days na grace period. So let's say, until June 20 nakasave yung pera mo. So bali 45 days nasa savings mo yung pera. Of course, may bank interest na yun, pabor sayo.

So ganito, bago mag due, dapat iwí†hdráw mo muna yung pera mo then ibayad mo sa CC. Ang posting nun is within 24hrs lang if same bank. Then repeat the process.

Wala kang babayarang finance charges sa CC as long as mindful ka sa due dates and billing cycle mo 😉

I hope this answers your question.. ask lang po if may gusto pang itanong 😄
 
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