No Annual Fee for Life Credit Cards in the Philippines

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No Annual Fee for Life Credit Cards or NAFFL are very famous sa mga credit card enthusiast. Since No Annual Fee Credit Card sila, don palang panalo kana. On this Video I list down my TOP 5 No Annual Fee for Life credit card here in the Philippines
One credit card na bukod sa walang annual fee, wala ring overlimit fee, late payment fee, and can even give you a rebate for paying the minimum amount due! That's the CITI Simplicity Plus Card. You can apply online here: bit.ly/NoyFinanceCitiSimplicity
Annual Fee is the fee charged by the bank by maintaining the card that you are using. And kung walang Annual Fee ang credit card, meaning FREE mo siyang nagagamit. Kaya it's very important to consider and to check if may annual fee ba or wala yung credit card mo.
If you don't have a credit card yet, check out this video so you will know the Top 5 Credit Cards in the Philippines for Beginners: • TOP 5 Credit Cards for...
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💳 CREDIT CARD APPLICATION LINKS 💳
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UNIONBANK CREDIT CARDS: ZERO annual fees for life!
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PROMO: ZERO annual fees
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✅ Metrobank World Mastercard
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✅ HSBC Gold Visa
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✅ HSBC Platinum Visa
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SECURITYBANK CREDIT CARDS: FREE ₱2.5K eGift, Sony Wireless Headphones, or De'Longhi
✅ SecurityBank Gold Mastercard
- apply.creatory.hyphengroup.io...
BPI CREDIT CARDS: Annual Fee Waiver Forever
✅ BPI Cards
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OTHER CREDIT CARDS:
✅ HomeCredit
(Buy Now Pay Later)
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💳 FREE CREDIT CARD SERVICES 💳
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✅ CREDIT CARD RECOMMENDATION:
bit.ly/NFCreditCardReco
We'll help you identify the NEXT Best Credit Card for You.
*for existing Credit Card holders only.
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Опубликовано:

8 ноя 2020

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Комментарии : 164

@NoyFinanceVlog 3 года назад

One credit card na bukod sa walang annual fee, wala ring overlimit fee, late payment fee, and can even give you a rebate for paying the minimum amount due! That's the CITI Simplicity Plus Card. You can apply online here: bit.ly/noyfinanceciti

@lorenajanperez4095 3 года назад

Sir, need po ba may savings account sa bank na yun like PNB Para Maka avail ng Credit card? Salamat po

@NoyFinanceVlog 3 года назад

@Marithie Pardilla credit limit poba ibg nyo sabihin?

@NoyFinanceVlog 3 года назад

@@lorenajanperez4095 hindi po. Kahit po wala :)

@NoyFinanceVlog 3 года назад

@Marithie Pardilla hindi nyo po kaylangan na gamitin lahat nh credit limit nyo. Mas maganda nga kung hindi nyo talaga yan sinasagad :)

@bkierful 3 года назад

ah salamat sir, icheck ko ito sir.

@zjimiago 2 года назад

Just got my Zelo CC yesterday my first ever CC.. 😍🥰 love your content..

@NS-vf7xl Год назад

Thank you so much for this very informative video. New subscriber here po. God bless your channel po.😇

@suchunlai 3 года назад

Thanks for this video. Helpful and useful yung videos mo sir!👍🏻

@NoyFinanceVlog 3 года назад

Salamat po :)

@TheMrwazowski 3 года назад

Sir Noy, pwede din po ba kau magrecommend ng credit card na bukod sa no annual fee, no foreign transaction fee din? Most of my purchases kasi is foreign transaction. Thanks in advance.

@adriangd9977 2 года назад

Hi kuya hehe may possibility po na ang zelo mastercard ay gawing secured cc po? Di po kasi ako depositor ng pnb.

@secretguardian6606 3 года назад

Nag apply ako sa AUB - need pa pala pumunta sa branch nila unlike CITIBANK na online na talaga lahat. Kailangan malaman ng banks na mas safe if hindi na lalabas customers nila para pumila.

@adriangd9977 2 года назад

Hi! Secured credit card po ba ang zelo? Please need help po for decision making. Thanks.

@Jemm1029 3 года назад

I like the China Bank Freedom Mastercard sir. I have a credit card with BDO and mag WA one year na siya sakin next month and I want to apply for that card after ko ma regular sa new work ko.

@NoyFinanceVlog 3 года назад

Good luck po :)

@cho-kyuhyun4467 3 года назад

Galing mo bro more videos po very helpful

@NoyFinanceVlog 3 года назад

Maraming salamat po :)

@rexfaltado856 Год назад

please have part 2 for 2023 of this, thank you

@roanandreadagami6839 2 года назад

How about the BPI amore credit card?

@fajardomanuel09 3 года назад

Mayroon na po ba kayong video featuring credit cards na may credit to cash or cash to go na payable for like 12 mos or so. Kung wala pa po, baka pwede po ninyo i-feature sa future video nyo po. Salamat :)

@NoyFinanceVlog 3 года назад

Specifically for that wala pa. Pero madalas ko nababangit sa mga metrobank card yung cash2go :)

@rolandolucas737 9 месяцев назад

Sir ask ko lng po may cridet card ako 22018 ko po kinuha...may mesage sakin ng banko..may annual fee ako sa cridet card..sabi has been changed to waive your anual for next year....spend 20.000 SR...yan ang message ng bank skin.....salamat sir....

@gurangnavlogger262 3 года назад

OK ang channel mo, tuloy lang.

@NoyFinanceVlog 3 года назад

Salamat sir :)

@alphadelrosario7643 3 года назад

OFW here, planning ko sana kuha next year pg makauwi ako, any recommendation for secured credit card sir? Thanks in advance,

@NoyFinanceVlog 3 года назад

Actually thats my next video about secured credit card. Konti lang meron sa pinas. Siguro go for the higher credit limit kasi same lang naman sila halos lahat :)

@whitehatdaily82 Год назад

Bat di nag go go through ang PNB zelo application.

@venicealvarez9233 3 года назад

Hi general question lang po abt CC, if ndi po nagamit sa isang month, is there any amount/fee na need bayaran? Thanks!

@NoyFinanceVlog 3 года назад

kung wala kayong previous balance na hindi nabayaran or any existing installment, if hindi din anniversary ng card ninyo, dapat wala :)

@mayucraige7933 3 года назад

Hi Sir, is it true po ba na pag may existing BPI savings account kana then gusto mo mag apply for BPI Blue Card (credit card) kailangan po magpa hold ng minimum of 10k? is it mandatory po or choice nalamg po ng kukuha?

@NoyFinanceVlog 3 года назад

That is for a secured card. Pwede din namang hindi gnon pero subject for approval

@vonmusic5827 3 года назад

Question boss, ano pong cc ang pwede magamit sa online internationally? Kasi ung mga debit card ko declined sa example, fb ads and mga artist sa spotify, na dedecline kasi ang mga debit ko kahit may visa or mastercard ma logo pag gmagamit ko to pay internationally. Tho, I haven't tried ccard yet. Salamat po, more power!

@NoyFinanceVlog 3 года назад

mostly naman ng visa and mastercard credit card nagagamit online internationally, pero minsan nabablock padin for security reasons. pag ganon most of the time you just have to call your bank kung anong problem

@vonmusic5827 3 года назад

Salamat sir, may content kna po na bank n pinaka mbilis mag release ng card

@NoyFinanceVlog 3 года назад

@@vonmusic5827 wala bos eh. Mejo mhirap din yun kasi wla naman sila standard jan halos :)

@jonathanbonapos1008 3 года назад

Hi po sir ask ko lang po kelan po mag start ung annual fee ng credit card? The day pb na na activate mu or every December?

@NoyFinanceVlog 3 года назад

Sa validity ng card mo. Kung kelan nagawa yung account mo

@hachelantonio7351 2 года назад

Hi Sir. Can you recommend me a credit card na pwede kong gamitin for laptop installment?

@NoyFinanceVlog 2 года назад

im planing to create a video actually about the best credit cards for gadget shopping. pero technically, ok naman kahit anong card basta 0% installment hehe. mahalaga is yung credit limit pasok

@josephdan8410 3 года назад

AUB Platinum MasterCard No annual fees forever No interest on new purchases Choose exactly when to pay your bill Enroll as many supplementary cards you want

@biancasophiaalagon7702 3 года назад

Hi po! Ask ko lang kung pwede bang wag na bayaran ang annual membership fee? Kasi plano na namin na ipaclose yung account namin after mabayaran yung balance.

@NoyFinanceVlog 3 года назад

Try nyopong ipa waive. If ever meron kayong enough credit card points pweds nyo din po gamitin yun :)

@secretguardian6606 3 года назад

Alin kaya dito 'yung pinaka galante magbigay ng mataas na credit limit? Yung sa BPI ko kasi 105k limit na binigay sakin pero nung nagrequest ako sa CitiBank, 25k lang nagrant. I'm looking for one more CC pa...thank you po.

@NoyFinanceVlog 3 года назад

Ako so far pinaka mataas ko is metrobank and bdo..

@meisj 2 года назад

Hello. Is it possible to have 6-digit CL for this card po? Naka 6 digit kasi ako with other banks but may annual fee. Thanks!

@NoyFinanceVlog 2 года назад

i think so naman . prng wla nbaman ako na basa na bawal yung ganon.

@joieuah5888 3 года назад

Hi sir! Nagbabalak po kong mag apply nung Simplicity card, kelangan po ba regular employee na po ba? 4 months pa lang po kase ko sa work ko. Ok na po ba kong mag apply or wait ko na lang po na maregular ako bago mag apply?

@NoyFinanceVlog 3 года назад

Technically dapat regular kana. but if that is not your first job, pwedeng maging exception padin. What you can do is to try to apply, pag hindi ka na approve, pwedeng dahil don :)

@joieuah5888 3 года назад

@@NoyFinanceVlog thank you so much po sa pag answer ng mga tanong!

@NoyFinanceVlog 3 года назад

@@joieuah5888 welcome po :)

@gerip.c6893 2 года назад

sir pano sila kumikita sa no annual fee

@beverlyolegario9621 3 года назад

Sir anong card pinaka marecommend mo na walang annual fee pero madaming rebates/ rewards? Thanks.

@whitehatdaily82 Год назад

CitiBank pinaka best

@emmanuelcanoza3655 3 года назад

What's your thought about PNB The Travel Club?

@NoyFinanceVlog 3 года назад

Ok din to. No annual fee for life. But suited mostly for people na mahilig mag travel

@MsFusionForever 3 года назад

Hi sir! Ask ko lang po ano pwedeng mangyari pag di po nagagamit ang credit card? Sa case ko po eh 1 month ko na di nagamit 😅

@NoyFinanceVlog 3 года назад

Wala naman po :) pero subject kapa din sa annual fee.

@chubbybettyloves2122 3 года назад

Kung pipili po kayo sa PNB zelo at Chinabank freedom. Ano po ang ichoose niyo?

@NoyFinanceVlog 3 года назад

Zelo. Ang katapat ng zelo for me is simplicity from citi

@ma.jenniferdandan3616 5 месяцев назад

Yung BDO unionPay po ba may annual fee ?

@maamche7234 2 года назад

Di po ba may accumulative spending requirement within days for NO ANNUAL FEE FOR LIFE, saan po ba pwede gamitin? Sa straight purchases lang po ba sa stores? Pwede bang sa bills payments, cash in to Grab/Lazada/Shopee? Salamat po sa sasagot. 🙏

@NoyFinanceVlog 2 года назад

promo po ba ng bank itong tanong ninyo?

@bkierful 3 года назад

sir ask ko lang po, about dun sa pinadala sakin ng bdo na credit cardm which is shopmore and jcb, bali yong annual fee po ba nung card ay separate ? kasi parehas lang po naman sila ng credit limit, pag ginamit ko yung isang card mabawas din sa limit nung isang card. maraming salamat

@NoyFinanceVlog 3 года назад

Yes magkaiba sila ng annual fee kapag ganyan. Magkaibang card kahit shared limit po

@bkierful 3 года назад

@@NoyFinanceVlog salamat sir sa pagsagot,. na ask ko lang sir, kasi naguguluhan ako kasi parang nag dodoble ang bayad ko eh, kasi parehas ko binabayaran yong monthly annual fee tapos dadagdag don sa credit limit yong kalahati, kaya naisip ko na baka isa lang sila ng annual fee kasi bumabalik, pero nadating naman sa parehas na credit card yong monthly annual fee. sir

@michaelrvlog5963 3 года назад

As a credit card holder kailangan ba gamitin everymonth? what will happened if not?

@NoyFinanceVlog 3 года назад

Bro sagutin ko question mo sa tiktok ha. But to answer hindi kaylangan. Wala naman din mangyayare though if may annual fee card mo subject kapa din don

@neruson5069 3 года назад

Kung may existing savings account ka na po ba sa bank na aapplyan mo ng credit card mas mataas ba chance na ma approve?

@NoyFinanceVlog 3 года назад

somehow yes may impact padin pero it really depends. like if malaki ang pera mo sa banko, yan malaking factor yan. minsan mga tao na may malaking deposit sa isang bank, hindi na sila nag aapply binibigyan nalang sila ng credit card. hope it helps, and please don't forget to subscribe :)

@mnunez6153 2 года назад

sir, which" no annual fee forever" credit card is usually affilliated with dept stores offering 12 months zero interest aside from BDO shopmore?

@NoyFinanceVlog 2 года назад

madami naman yan sir. like Citi, PNB, metobank etc

@everything-ii8ls 3 года назад

PNB The Travel Club din, no annual fee for life.

@NoyFinanceVlog 3 года назад

Yes no annual fee for life din yun

@neiljohnp.6144 2 года назад

Kuya Noy, Itong mga free annual fee ba, diba ang rewards point nito wala .. pero affected din ba ang Credit score nito every time gagamitin ito . salamat kuya Noy

@neiljohnp.6144 2 года назад

Pinipilian ko kasi kung itong free annual fee or Secured credit card .. para lang mapataas ko credit score ko . salamt kuya noy

@NoyFinanceVlog 2 года назад

well kung credit score yung concern mo, and kung maaapprove ka naman sa regular na no annual fee, mas ok tlga ang regular. mostly ng no annual fee wlang points pero meorng iba na meron nanjan din sa video kada gamit mo ng card may effect yan sa credit score. pero ang mas mahalaga is kung nababayaran mo ba on time and in full remember kung may credit card ka tapos dimo din nagagamit, hndi din tataas ang credit score mo. kaylangang makita ng banko kung anong klaseng borrower ka.

@neiljohnp.6144 2 года назад

Salamat kuya noy ., subscriber mo ko . D best

@elybobbylordalamin8868 3 года назад

Sir is it true na pag government employee, di na eligible sa promo like annual fee for life?. I applied kasi sa citi rewards mastercard, qualified ako to get the card but di raw ako eligible to get the promo kasi nga government employee ako..

@NoyFinanceVlog 3 года назад

Ay hindi ko po alam yan ngayon ko lang narinig. Bakit daw?

@elybobbylordalamin8868 3 года назад

@@NoyFinanceVlog the citibank agent just explained the certain Republic act here in the Philippines about anti-corruption in the government, then kasali daw sa batas ang mga promo in the credit card..Nagtaka and disappointed nga ako right after the call

@NoyFinanceVlog 3 года назад

ahh yeah parang nababasa ko nga yan minsan . yung parang clause na hindi pwede mag accept ng gifts or any form of bribe etc.

@spacewarriors5175 2 года назад

@@elybobbylordalamin8868 government employee rin ako pero naffl naman

@ahzhailiu1693 3 года назад

Kailangan pa po ba ng credit history/score para makakuha ng naffl na cc?

@NoyFinanceVlog 3 года назад

Usually yes. Pero minsan kaht wala na aapprove naman. Iba iba din talaga kasi yan lalo na sa nag aapprove :)

@reyjuneofficial09 3 года назад

hai sir napunta ako dito galing from katawa family

@NoyFinanceVlog 3 года назад

ahhh talaga paano po? :)

@jakenson24 3 года назад

sir hindi nyo po na include yung Robinsons DOS Platinum

@NoyFinanceVlog 3 года назад

Ang Robinson dos kasi is may criteria bago makuha ang no annual fee diba? Unlike yung iba no annual fee na talaga.

@polengsshow 3 года назад

Sir connected Naman sa credit card tanong Ko..last December 4,2020 nag email sakin Citibank na approved ako at after 7 business days darating na card ko. 19 working days na bago bakasyon Wala pa po.hotline nila di mkontak at Wala Citibank sa province nmin karatig probinsya.dipa nag I email sakin Kung anung courier at tracking number dapat Po may I email Sila na ganun di ba sir.para ma follow up ko Kung saang courier

@NoyFinanceVlog 3 года назад

Pwedeng nadelay yab dahil narin sa covid att the same time sunabay kasi sa pasko. The only way talaga is to call them to inquire sa status ng delivery ng card mo

@polengsshow 3 года назад

Ah ok sir maraming salamat Sayo kasi nag response ka..bago pa man sir nanunuod nko Ng mga vlog mu..

@NoyFinanceVlog 3 года назад

@@polengsshow salamat sir :)

@polengsshow 3 года назад

Sir na deliver na Po sakin Citibank credit card ko.yung rewards card.yung policy Po kasi dun mag spend ako 20 k tapos no annual fee na forever. Eh panu ko Po Kaya magawa 15 k lng Po credit limit ko. Swipe lng Po ba dapat Yung 20 k spend o pwdeng mag cash advance ako 15 k Bali gastos ko Po nun 15 k.then ibayad ko Po uli 15 k then cash advance Po ako 5 k para in total spend ko 20 k na.pwde Po ba Yun sir? Sana Po masagot nyo sir.salamat po

@NoyFinanceVlog 3 года назад

@@polengsshow ilang days ba yung spending period usually 2 months yan. So kung nag spend ka ng 10k sa first month, then bnyran mo. Then nag spend ka ult ng 10k nale 20k nayun I dont think pwede ang cash advance or amy quaso cash transactions pag ganyan

@thaikovskyvalladolid2973 Год назад

Lodi allowed ba ng bank na papalitan mo cc. E.g. from platinum with annual to no annual fee for life na cc sa any bank..

@NoyFinanceVlog Год назад

if meron silang promo siguro pwede

@joansalvacion9145 3 года назад

Pag hindi po ba nagamit yung credit card sa pnb walang charge or babayaran sa kanila?

@NoyFinanceVlog 3 года назад

Kapag hindi ginagamit pero naka open padin ang account subject padin sa annual fee. Unless no annual fee ang card :)

@zianlim1950 3 года назад

Nag w wave ba ng annual fee ang bpi and bdo kuys? May cases na ganun?

@NoyFinanceVlog 3 года назад

Yes nag we waive. Depende padin sa card and sa gamit moyan

@abegailpajaron8213 3 года назад

@@NoyFinanceVlog bdo ? Ung american express po kaya? Any idea po about this cc 2019 pa po sya asaken nagopen aCc po ako tas ilang m0nths dmting sya ng di naman po ako nag apply but im planning to use it po sana pero di ko alam kung mgnda po sya?

@ridecef6471 3 года назад

Sir nabayaran ko lng yung minimun due pero malaki sa min hinde yung total amount nakakaapecto ba sa credit score?

@NoyFinanceVlog 3 года назад

Yes po. Kasi hindi nyo nababayaran ng buo yung statement ninyo. Nag iincurr kayo ng interest

@ridecef6471 3 года назад

Ok po salamat sir

@Jemm1029 3 года назад

@ride cef pero hindi masama ang epekto sa credit history niyo kasi nag bayad naman po kayo. Ang masama is na miss po ang payment due date ayun dapat ang iwasan

@NoyFinanceVlog 3 года назад

@@ridecef6471 welcome po

@NoyFinanceVlog 3 года назад

@@Jemm1029 it will still have an effect kasi makikita ng bank na hindi mo nababayaran ng buo ang statement mo. Eventually pwedeng maging problema yun

@julieannbetiwan9348 2 года назад

Yung citibank master card pa no anual fee for life.??

@NoyFinanceVlog 2 года назад

citi simplicity mastercard yes no annual fee for life yun. www.citibank.com.ph/share-rewards/?media=2314891215&scode=RBSBMBAM&ecid=MGCPBPHCCAENRF :)

@acethegreat2131 Год назад

Need po ba magbayad monthly Kahit Walang Kinuha ? Hehehe for assurance Lang po ty and godbless

@NoyFinanceVlog Год назад

hindi naman po kung walang kinuha wala naman pong babayaran :)

@eimztar 2 года назад

PNB travel club platinum credit card no annual fee for life din

@NoyFinanceVlog 2 года назад

thanks for ithe info po :)

@rnbjhas 3 года назад

Rejected naman ako nyang CITI BANK SIMPLICITY HAHAHAHHA

@spacetardigrade 3 года назад

same very arte niyang citi bank

@NoyFinanceVlog 3 года назад

baka ibang card ang para sainyo bos :)

@NoyFinanceVlog 3 года назад

ahahaha pwede naman ata mag reapply

@MariAGaldz 3 года назад

Ako din :( onting kembot nalang sa gross annual income na requirement, rejected :( hahaha

@NoyFinanceVlog 3 года назад

@@MariAGaldz May existing card napoba

@androidnumber1727 Год назад

Salamat lods. Available pa ba tong mga card nato today?

@NoyFinanceVlog Год назад

most of them naman ata oo hehe

@androidnumber1727 Год назад

@@NoyFinanceVlog sir sobrang helpful videos mo pro dko pa napanood lahat, napansin q lang prang di maxado mention mga bpi cards. Pangit ba sila? Haha. Un kc binigay skn kya prng no choice na un ang gamit ko. Pa advise sir

@NoyFinanceVlog Год назад

di naman pangit bpi. 1 reason is hindi ganon kadami experience kosa BPI hehe another is hindi kasi masyadong ma feature ang bpi cards. unlike nila RCBC na talagang hitik hehe

@androidnumber1727 Год назад

Noted sir. Kaso di annual free for life. Pero sir in ur case, napapawaive nyo nmn po lagi noh? Mdyo hassle nga lang dn yearly itatawag po an0?

@chaopanofasia8490 3 года назад

Thanks PNB Ze-Lo for the winnnnnnn 💞👏

@NoyFinanceVlog 3 года назад

yup very good card :)

@princessarmamento6596 3 года назад

Question lang po, first time ko kase kukuha ng cc in case. May bayad po ba pag open ng PNB zelo? Sana po masagot 😁

@raveramilmontaniel8092 3 года назад

@@princessarmamento6596 wala po

@meisj 2 года назад

Hello. Is it possible to have 6-digit CL for this card po?

@chaopanofasia8490 2 года назад

YES ang generous ngayon magbigay ng cl ni PNB

@bongromilla8899 Год назад

Sir bkit Po skin no annual fee lifetime pero na charge ako

@NoyFinanceVlog Год назад

tawag nyo nlng po sa bank nyo baka may mali lang po

@manny1221j Год назад

Wala nga annual fee meron naman MEMBERSHIP FEE na same amount ng ANNUAL FEE. citi BANK AT METRO BANK.

@NoyFinanceVlog Год назад

Ano sa bngay ko yung may membership fee?

@manny1221j Год назад

@@NoyFinanceVlog Thank you sa reply. sa CITI bank kasi sabi wala annual fee pro meron naman membership fee na sinisingil sa akin. Sa metro bank sinisingil ako ng annual fee

@NoyFinanceVlog Год назад

@@manny1221j membership fee and annual fee consider same lang naman. Hndi naman yun per bank. Per card sya. Hndi lahat ng citibank and metrobank card may annual fee. Yung mga nabngit ko na card dito wala.

@superkenttv9005 3 года назад

Good day po... bakit po nagkautang ako sa BPI CREDIT CARD GOLD samantalang hindi ko naman po ito ginagamit 2,250 pesos po nung october 28,2020 tapos nung november 17,2020 naging 3,154.28 pesos...pano po ito ipaclose ayaw ko na po...hindi ko po ito mababayadan

@NoyFinanceVlog 3 года назад

most probably annual fee po yan. napabayaan nyo po siguro na open lang ang account kahit hindi nyo siya ginagamit. sorry ngayon ko lang to nareplyan.

@spacewarriors5175 2 года назад

closing a credit card account without any settlement will affect ur future finance needs in the future such as bank loans and alike.

@itsmemia2268 3 года назад

Sir pwd ba ipa stop ang annual fee kht active pa ang cc🙂

@NoyFinanceVlog 3 года назад

sorry ngayon ko lang to nareplyan. hindi po napapa stop yun, pwede lang sya ipa waive for some cards

@aliciasubire329 3 года назад

Question po. Nagpplan pa lang ako magapply for credit card, ung interest charge tuwing kelan po nagaccumulate? Kapag naswipe po ba automatic un? Pag hindi po ba ginamit walang interest?

@NoyFinanceVlog 3 года назад

Ang finance charge po nachcharge kapag hindi nabayaran ng full ang total amount due on or before the due date. Other interest involved kapag nag pa installment ka ng hindi naka 0% Kapag nag swipe ka straight transaction lang wala naman interest yun. Kapag dimo gnamet wala din interest unless may balance kapa na hindi nababayaran :)

@aliciasubire329 3 года назад

@@NoyFinanceVlog Thank you sa pag answer sir Noy! :) will apply my first credit card this year or early next year.

@NoyFinanceVlog 3 года назад

@@aliciasubire329 good luck po :)