r/KaskasanBuddies

hii for context I’m a fresh grad, and recently employed individual and I would really like to start buildings my credit score, would you guys recommend maya black cc as a first credit card? base on my research kasi eto yung isa sa easiest cc na macquire. Wala rin ako mostly nakikita mag review nito all your inputs would be highly appreciatd.

Hello po. Nakuha ko na yung cc ko last week pero hindi ko pa ina-activate. Tama po ba na sa first year wala pa akong babayarang annual fee?

I tried magmessage sa BPI customer service kaso wala naman akong nakukuhang sagot. Maraming salamat po sa mga sasagot!

Hello, I just want to ask if worth it ba yung UnionBank Rewards CC? I see a lot of people having this cards na para bang sobrang daming hinahatak ni UB sa kanila. I don’t know if magiging worth it siya for me? Prefer ko sana yung magagamit ko more on travel kasi i want to earn miles na ginagamit ko yung CC for my daily needs. Gets ba? Sorry, it’s my first time. And ayoko sana kumuha ng CC kasi it feels the same for me tho sayang din yung mga points and all. Just now, UB messaged me to “Unlock exciting perks with a UnionBank Rewards Credit Card! Enjoy NO ANNUAL FEE FOR LIFE, plus get FREE 10,000 points on your first spend.“

Hindi ako sure kung I will proceed. Any thoughts? and advice?

Hi guys, so I just got my RCBC Flex Visa card, there's 30k PHP to get the naffl status but the problem is I don't know where to spend, I'm not a big spender; I also tried asking my friends/colleagues to swipe my card for cash transactions but no luck; I was planning to buy a phone (pixel 11 pro - Not buying it anymore) but my CL is just 16k.

Any tips other tips?

Hi, good afternoon. Mag-ask lang po sana ako ng opinion niyo if worth it mag-apply ng Unionbank Mercury visa gold if may ginagastusan na maintenance ng parents every month almost 4k? Or may irerecommend po kayong mas okay na CC, yung may NAFFL promo sana.

Isa lang po credit card ko now (BPI blue rewards NAFFL). Thank you po!

Hi! First time cc user here. I started using my BDO Gold Mastercard last June after I was offered. I wanted to ask if possible po ba ma change yung date of SOA?

As of now kasi, I receive my SOA during the 20th of each month so ang nangyayari yung days from 21-30 napupunta to the following month. I was hoping po sana na what I spend during that month, magrereflect lahat sa SOA, preferably every first of the month or last day of the month, as a student na monthly po natatanggap yung allowance.

Please let me know what I should do po. Thank you!

BDO sent me two cards, the ShopMore and JCB. I just graduated, and I’ve been planning to apply for a credit card, pero naunahan akong padalhan ng BDO. After consulting with other people, they told me to grab this opportunity since it’s usually harder to apply for your first credit card.

After researching, I learned that the JCB and ShopMore have separate annual fees, but they share the same credit limit, so I’m planning to keep only one card. Which card is more worth keeping?

Also, the card they sent me was orange, and I hate orange 😭. Can I still change the card, or can I use a card sticker to cover it up? (Very minor issue, but I just wanna know if it’s possible 😅.) Like, what are the odds that they have three colors and I get the one color I genuinely dislike? 😮‍💨

Hi everyone,

I am a 28-year-old corporate employee looking to add a PNB Mastercard to my wallet to diversify my current lineup (BPI Amore Cashback, RCBC Flex Gold, and UnionBank Rewards Platinum). 

Since I do not travel, I am not considering JCB options. Would you recommend a specific PNB card, or should I skip applying altogether?

I would appreciate any insights or recommendations. Thank you!

got a call from (02) 7944 3100, i have a pending application po sa UB with their CC. unfortunately hindi ko nasagot ang call dahil work hours po.

Is there a cooling period na need to wait before magre-apply for a new CC, not necessarily in the same banking company. Like what’s the standard period to follow without looking like a redflag and without affecting credibility?

Hello, question po..

1. Kapag ba virtual card details ung nilagay sa Apple Wallet instead of the primary card and used it to pay sa store, tapos ung cashier bigla sasabihin na pahiram ng physical card to swipe sa PC nila, syempre ang iaabot ung primary card, hindi ba un magkakaproblema?

2. Since for swiping na lang naman and already paid via Apple Pay, need pa rin ba iunlock ung primary card?

Thank you!