Quote from: Experia on June 13, 2017, 12:40:29 AM

ang alam ko sa mga bank ka makakakuha ng credit card at dapat yta may business ka or may trabaho man lang bago ka bigyan nito, kasi syempre di ba kung wala ka naman stable income hindi ka basta basta mkakabayad

Parang hindi naman ata requirement yun. Yung tita ko nga sa bahay lang, pinandalhan din ng card. Hindi ko alam kung ano pinagbabasehan nila pero kapag nakita nila na mukhang pwede ka pagkatiwalaan, magpapadala na lang sila ng card via mail. And then saka ka na magdedecide kung tatanggapin mo yun. Wala naman akong ginawa, basta pinadalhan lang nila ko ng Visa and then parang a year later lang AmEx naman. And then multiple times nila tinaasan yung credit limit ko.

Quote from: freedomgo on June 13, 2017, 06:39:56 AM

There's no problem with acquiring credit card as long as you are responsible in using it, bear in mind that it is only for convenience
and not like you are loaning money to buy something. As soon as you receive your bill, pay it right away, you have no idea how big the
penalty when you defaulted or delayed in payment.

True, mataas yung patong. One time sa isang account ko naibayad yung bill ko. Ayaw nila i-roll back yung transaction (parang tuloy nakaroon ng advance payment yung isa). Halos 2k yung ipinatong, not to mention tawag sila ng tawag sa akin.

Kung you're living below your means, wala talagang problem yung credit card. Yun ngang mga groceries wala namang patong na additional charge.

Importante i-maintain ng maayos yung card records kasi yan yung pagbabasehan later kung makakakuha ka ng car or home loan, dyan kasi nakabase yung credit record mo. Kung wala kang credit card, mas mahirap kumuha ng loans kasi wala silang pagbabasehan ng credit history mo, kung good payer ka ba.