for me dili mo matter and interest charge if you will pay it before your due date and kamao ka mg dala sa imo credit card.sa ako mas ok ang bpi kei nice au ang mga feebies. like now if imo purchase kei maabot 2k one transaction pwede ka ka eat sa jollibee for free.heheeh search lang pirme sa ila website kei every month or quarter siguro mg change of freebies