The ones I see in the net are: Citibank, HSBC, BPI, Equitable, Unionbank. Which offers the most competitive benefits and prestige? Are there differences in the fees when I pay my monthly dues?
Any idea on where I can get the best credit card in the Phils.? I%26#039;m just a starter but i wanna get the best!finance
Terms and conditions of the various credit card companies are probably not consolidated anywhere, since they change frequently. And most of them have limited special offerings.
Make yourself a list of the terms you want to compare. Call each credit card company and get information for each one.
The terms offered to you will depend on your credit rating. The credit card companies cannot give you specific information on what you qualify for UNLESS you actually apply for their credit card, which gives them the right to look at your credit report.
Keep in mind that whenever you submit an application to a lending company (bank, mortgage company, credit card company, etc.) your credit score is reduced.
As far as comparing %26quot;prestige%26quot;... you%26#039;ll have to decide which card is the most %26#039;prestigious%26#039; for you.
My advice, if you have no credit card at all at the present time, is that you go to a local credit union or bank and apply for THEIR credit card (usually associated with Mastercard or Visa). Once you have one, and you make all payments on time, other credit card companies will be more inclined to make competitive offers to get you as their customer.
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