What's the BEST credit card for you?
By dom_ryan09
@dom_ryan09 (52)
Philippines
October 25, 2008 9:23pm CST
CREDIT CARDS are now widely used around the world... It's very convinient to carry because you don't need to bring money all the time with you... When you travel abraod, all you need is to swipe your card, and you'll have what you want... Personally, I got 3 active credit cards HSBC, Metrobank and Citibank... Among the 3 cards I am using, I find HSBC the BEST.... First, very convinient to pay, you can pay like anywhere, banks and other payment center compared to Metrobank wherein you should only pay in Metrobanks or PS Bank... very limited payment centers aside from the fact that their operating hours is onyl up to 3pm.... With HSBC, I can check my bills online, no need to wait for my bill... How about you, do you have any expriences with your credit cards? Either good or bad... Please share so that we can learn lessons from your stories....
3 responses
@Margarit (3676)
• Philippines
26 Oct 08
I have plenty of credit cards, i think the best card i have is like yours HSBC for you can pay it in any banks and it is easier to talk to the customer service hotline for they are aways concern about their customer. 2nd is Eastwestbank for it has the longest day to pay your bills and the lowest rate in interest charge. Just like HSBC too you can pay any banks. 3rd is Banco de Oro for i have a saving account their so it is very convinient to me to pay my bills. 4th is AIG for it has free insurance when you reach a certain amount of purchases. 5ft is Union bank for it is widely acceptable in most store like Macro they only accept uninon bank credit card. 6th PS bank 7th Standard charter 8th JCB 9th is citibank. That all i am currently using, the top 3 is the one i always use.
@dom_ryan09 (52)
• Philippines
27 Oct 08
That's nice!we both agreed with HSBC... But I am sure there are some people who would disagree with us if they had bad experiences with HSBC hehehe :-) But as for me, so far so good with HSBC and they are actually waiving my annual fees... that's why I really like it! Maybe I will try to apply for Eastwest bank Credit Crad, if it has lower interest rate, that sounds good.... Thanks for the response, margarit
@fwidman (11514)
• United States
26 Oct 08
I use a prepaid credit card. I can only spend what I have put into the card's account. I like this best. I don't have to worry about credit card bills later on 
@dom_ryan09 (52)
• Philippines
26 Oct 08
Ah i see.. that's s DEBIT CARD! It's also good to have that instead of a credit card... At least, with debit cards, you know your limits and you will not be overspending.... That's a good one! Thanks for the post!
@ShellyB (5241)
• United States
1 Nov 08
I do not use a credit card anymore. I used to use a prepaid card, now I use my bank card for these things. No money in the bank means no shopping for me.
