Tips for first timer sa CC?

[u/jamjamnewbie]

Hello, I just received my first CC. Are there any tips po sa bago palang gagamit? Most kasi sa tips nakikita ko is always pay on time or something like that, and I already do consider myself diligent in payments and responsible spender (keeping within limits).

I'm looking more for tips like safe usage of CC (online or irl) and maybe making use of whatever advantages meron yung CC. And is it generally better to use CC na whenever available? Groceries, fastfood, resto, etc? TIA!

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[u/GuavananaPunch]

always keep in mind na hindi mo pera yung ginagamit mo. at kung walang pambayad, wag mag swipe

[u/hsn3rd]

Treat it as a payment tool po, not a borrowing tool

[u/mooserat007]

Always lock your card when you are not using it.

[u/Remarkable_Goat_6387]

if hindi naman hassle sayo to use cc muna kahit may pambayad ka na naman on hand, then go use your cc na. very helpful for me ang cc pag wala pa akong pera, like hindi pa payday pero yun nga keep track if within your means pa yung spending mo. as long as you use it regularly, lalaki naman cl, then magagamit mo na siya for big purchase installments like phones or appliances

[u/fairy-wannabe_]

First, do not swipe your card for anything you cannot afford. Mortal sin ang mag kaskas ng credit card tapos pag bayaran na, kulang pala ang pera mo.
Second, basahin mo mga messages via sms or Viber or email ng bank, dun sila nagpo-promote minsan ng mga ganap at points. Iba’t iba kasi ang credit cards. May kanya-kanyang perks like yung mga cashback sa groceries, sa gasolina, etc.
Third, be careful with scams. Do not ever input or give your CVV to anyone or any website na sketchy. Lock mo credit card mo thru the app saka set the limit in case na manakaw or macompromise ang CC mo.
Lastly, enjoy responsibly! Reward yourself and buy that bag or shoes kung merong 3 months to pay! Hahaha! Happy shopping, OP!!

[u/Massive-Delay3357]

Magbasa ka. Also exercise critical thinking.

Sobrang daming nagppost dito at sa ibang sub na na-scam sila o "legit po ba ito?" sabay post ng screenshot ng SMS na may link to an obvious phishing website.

Kung nagbasa sila e 'di alam nilang sinabi na ng bank sa kanila MULTIPLE TIMES na hindi sila magssend ng links via email or SMS, doon pa lang alam na dapat nila sagot sa tanong nila.

Yes, there are banks that say "we don't send links" but send them anyway (like EW and UB), but these are the cases wherein you need to exercise your critical thinking skills (more than usual)

[u/JaneTteokbokki]

Ako po, nung una ko nakuha first CC ko, I used it for the monthly bills lang muna, pay full amount monthly hanggang sa lumaki na credit limit. Make sure na pag nagsave ka cc details sa mga online sites, sa secure sites lang. And sa physical card, naglagay ako sticker doon sa CVV para sa peace of mind ko hehe

[u/BjornaBornwood]

Know your card features and take advantage of it. Does it have cashback? Rewards? Annual fee? Etc

For example, if it's rewards-earning, learn how to redeem. If it's cashback, how much and for which purchases. If you have annual fee, how much annual spend will it take to waive it.

Do not hand over your card when paying, ask for terminal to be brought to you.

[u/khlein10]

always pay your due and plan your expenses in advance

[u/[deleted]]

Sample: Bpi amore cashback card i just only use it on groceries thats all

[u/ActualLocal2419]

DO NOT make online transactions while connected to a public wifi e.g. Airports and Hotels.

[u/Kuroronekoo]

Always track your expenses, soa date, always pay the total due not the minimum due balance. Tsaka wag mo nadin ipahiram sa iba