credit card application

[Balandido]

---

tungod sa competition, wala nay annual fee.

[solderingiron]

Daghan mang bangko ang pwede mupa waive sa annual fees.. karon gani kay ang citibank ga offer ug no annual fees for life

But u have to spend certain amount per year to avail no annual fees.

[spike412]

sa metro bank naa sila M free for life. citibank free for life and you need to have minimum spending of 18k/year to qualify.

[simoncpu]

Choice 1 - Debit card
- zero daily balance requirement (Eon)
- no minimum spending
- can transact electronically

Choice 2 - Credit card
- 42%/yr interest
- yearly fees or with minimum spending per year
- can transact electronically


Real cost to buy a phone
Choice 1 - future value of the actual cost of your phone
Choice 2 - future value of the actual cost of your phone with or without yearly interest + (future value of yearly fees or required spending)

Concrete example
Actual cost of your phone = 30K
FV = 20 years
Yearly interest if you put your money in mutual funds = 10%
Required spending = 18K
Best case scenario with credit card (on time payment, 0% interest with no yearly fee, ug 1 year ra ka mogamit; dili ni mahitabo but let's use this as an example)

Choice 1 = 201,825.00
Choice 2 = 322,920.00

In 20 years, ang tinood nga kwarta nga nawala sa imo dili 30K... 200K to 320K nawala sa imo. Mas gamay2x ang mawala kung mag debit card ra.

Good luck sa tanan ninyo mag credit card! Good luck with your SSS or GSIS retirement fund.

[Daniello]

Naa pay interested sa CC application ? I can help you .

[MarNey]

@Daniello pm me bro. im interested.

[mayandy]

@Daniello pm me bro interested ko...

[Daniello]

Pm sent !

[vanjo86]

Dmd ang requirement nimo sir daniello, 300k gross annual income. Wow backout nlng ko lol

[markymacoi]

Naa pay interested sa CC application ? I can help you .

Pm me the details. Thanks