I’ve been on and off the phone with one of my credit card reps and they’ve been calling me for overdue payments since 3 weeks ago. So, ok, sometimes when I’m too harassed I forget which card I paid online so it has happened on several occasion that I double pay (there was one time I paid Citibank 20k for a Php600 bill) some cards and not pay another card.
But this one is a little strange to me — I got a replacement card for an old Metrobank Value credit card. Then a week later, I also got another Metrobank card and I thought it was the replacement for the other credit card. Nothing fancy, just 2 new cards. So, I put away the old ones in the drawer.
Now, the credit card reps kept on calling and telling me I haven’t paid yet. Turns out I double-paid again.
I checked all my Metrobank cards and now the 2 are actually 3 separate cards (the new one was a Visa). Why? I never applied for a new one. How did that happen? I was actually hoping they’d increase my credit limit for the old one but instead they gave me an entirely new one.
I asked the rep why is this so and she only mentioned I have a good credit standing. But it’s beside the point, I don’t need a new card filling up my wallet, I just need a higher credit limit. This is so confusing. I am really getting old.
Related Link: No Credit Credit Cards are ideal for those who are impatient to establish credit history.
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he he. i thin whoever said is is right: that you should GET an assistant!
if you have 3 Credit cards you’ll need to pay 3 yearly fees right? maybe thats the reason why they sent two extra cards heehhe
hehehe! dapat i-change mo na yung sa About Me info mo yugs. di na yan 20-something!
midlife crisis, here yuga comes!
pre-approved cards for clients in good standing.
haha natawa naman ako sa yo at nag o overpay. hehe
ID Theft may not be in “vogue” right now in the Philippines but with the rise of credit card users, the international crime of credit card fraud will catch up in the Philippines. That being said, credit card companies should NOT give you a credit card unless you apply for it because it opens up a can of worms.
check out your credit card which you fail to pay on time, sometimes the interest increases.
there can be one bank with two kinds of credit cards, one a visa and another a mastercard. These are two different credit card companies. It’d not Metrobank which is the lending firm. They merely broker and get commissions and collection fees as their income.
We have a lot here. Even airline companies have their Mastercard and Visa credit cards,
you need a yugassistant to help you with your bills.
and thats the in thing now, overpaying your credit card. i do that sometimes.
“Now, the credit card reps kept on calling and telling me I haven’t paid yet. Turns out I double-paid again.”
This is a new way for CC co. to suck your money out of your pocket. I wonder if those CC reps are actually using a computer to check your payment or still using the old ledger.
“I was actually hoping they’d increase my credit limit for the old one but instead they gave me an entirely new one.”
Again, this is the CC co. new way of increasing your credit limit. The more CC you have the more chances you’ll miss payments (signs of getting older??), the more money they get from you thru fees and charges
Lesson learned? Pay cash as much as you can, use CC for extreme need only!
One technique to waive those annual fees if you have multiple CC is to tell the CC co. to waive your annual fee or else you will terminate your CC.
It works! coz they do not want to lose a client as there are so many CC co. today…
Or perhaps just follow what Elmer says. Personally, I think I would only need a credit card when I will be buying something online.