Sunday, March 16, 2014

Waive Your Credit Card's Annual Membership Fee!

Isang tawag ka lang! 

Guide for over thinkers and the like.
(Kunyari expert sa finance)

Last Monday, I received the electronic monthly billing statement of my JCB Credit Card from BDO and there was an additional P 1,500 charge for my annual membership fee. Oh em, isang taon na pala ang Lucky Cat ko na card.

TIPS TO HAVE YOUR FEE WAIVED EASILY:

1. Pay your monthly dues on time and in full. 
- It's really fortunate that in the first year of my credit card, I was able to pay all my monthly bills on time. There were even days when arte-arte lang ang gamit ng card tapos binabayaran ko agad pag-uwi ko 'yung bill (online banking) or binabayaran ko na agad bago pa 'yung due date para mapaikot ulit. Dami rin matitipid dito, waive na nga ng membership fee e hindi ka pa tadtad ng finance charges na pagkalaki-laki, 3.25% agad 'yan madalas.

Hope this continues and let's strive for a lifetime of paying our bills on time! Lezdodiz! hihi. We can! 

2. Use your card frequently. 
- Mas frequent, mas maganda but be sure to spend on necessities lang so you'd be able to pay your bill on time baka kasi mag over budget ka dahil lang gusto mo magamit ang card mo frequently. Or, kung kakain kayo sa labas at KKB naman. Collect mo 'yung bayad ng mga kasama mo tapos i-card mo na lang para may transaction ka. O diba, may pambayad ka na agad, may points ka pa sa card mo. 


Someone told me that religiously following these two tips shall give you good credit score/grade for a higher possibility of fee reversal. Actually sureball na nga raw 'yan on most banks eh. Pero para sa mga nali-late paminsan, may chance pa rin 'yan, minsan lang naman eh! Basta hindi habitual na nami-miss magbayad. Or sige, para dun sa hindi nakakapagbayad on time, try pa rin! Kayo din, laking tipid pa rin 'yan kahit papano pag na-reverse.



Balik sa kwento, pagkatapos kong makita 'yung bill ko ng Monday, tumawag ako sa customer service ng BDO nung Tuesday para mag-request at pagkatapos kuhanin 'yung details ko, pinaghintay ako sandali at approved na agad-agad. Magre-reflect daw 'yung reversal after three banking days at pagtingin ko kanina, andun na nga. 

E 'yung kinilig ako pagkakita ko niyan. Pera eh. hahahahaha


Sinabi ko na this is a guide for over thinkers kasi marami akong nakita na posts na sinabi pang aabot sa linyang ipapa-cut 'yung card para ma-waive 'yung fee at baka matakot na 'yung iba o 'yung iba naman ay hindi kaya mang-threat (anghel lang ang peg). E diba, mga over thinkers (kagaya ko minsan) extreme negative na agad ang iniisip? Kaya ko 'to ginawa para sabihin na, MADALI LANG MAGPA-WAIVE lalo kung okay ang records mo.

 Teka, pwede siguro sabihin 'yun kung may back-up card para just in case na hindi talaga pumayag e maluwag sa loob na ipa-cut 'yung card, pano naman kaming wala? Ayan, so ang point is kailangan daw talaga maganda 'yung record para ma-reverse ng walang hirap. Para bang regalo na lang 'yun ng bank mo sa'yo for 12 months of religiously paying your bills on time. Aarte pa ba sila sa request mo niyan?



God bless.
Kaya natin 'to! :D

1 comment:

  1. Yung ibang officemates ng kapatid ko nagsasabi na ipapa-cut na lang daw yung credit card kung magbabayad ng annual fee, at in fairness lagi yung effective sa kanila. hahaha. Wala akong credit card pero tatandaan ko 'tong tip mo. :)

    ReplyDelete

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