applying for a credit card for the first time
hi, i have a few questions po since first time ko pong kukuha ng credit card. Medyo overwhelming po kasi yung choices and i am somewhat learning and researching more pa.
for context po, i have work po ngayon pero not yet a regular employee. i have savings po in bpi and other digibanks. So far po wala pa naman ako masyadong gastusin regularly and wala rin po ako plan mangutang. more on credit score building lang po talaga and for more tipid purposes pag gagastos (cashbacks for online shopping, discounts pag dining). Also for reserve card lang din siya in case hindi mag-work ang ibang payment methods.
questions:
- best cc to get as a beginner? Planning to get po yung NAFFL sana since hindi ko rin naman siya magagamit madalas
Ang choices ko po ay:
- unionbank rewards visa
- bpi (since i have a relationship with them na po thru their debit card)
- metrobank (suggestion po ng relative ko)
- boc (current payroll)
wala naman pong hidden charges naman if NAFFL and nagbabayad on time? ang familiar lang po kasi ako sa spaylater haha, wala naman pong masyadong difference ‘no?
for the NAFFL spending requirements, kunwari 20k within 60 days, eligible po ba yung MP2 payment? Kung magbabagsak po ako sa MP2 ng 20k, pasok na po sa NAFFL?
May mangyayari po ba if inactive ang card monthly/annually?
More chances of approval po ba if online or sa mga nag-aalok po sa mall? May effect po ba yon?
Maraming salamat po!