to fit gourmand di na man lahat, they are just doing thier job or what is required of them, kund di nila susundin wala sila trabaho.

well in my case i ” WAS” a customer representative of SHITTY BANK, i understand the customers frustrations,pero wala ako magawa, i was so stress sa work kasi di ko na ma stomach yung practices nila. and when i offer customers a better option para di sila ma penalized in the future or para ma lessen fee nila, di ko daw trabaho yun, customers should read the print, but the problem its in FINE PRINT, and NOT IN LAYMAN’S terms.

SHITTY BANK earns from revolvers – yung taong nagbabayad lang ng minimum due and yung nagbababyad lang ng partial payment. example php 1000 utang ko. I paid 999.99 partial payment parin yan. So subject to interest of 500 pesos or 3.5%, whichever is higher. Di pa dyan nagtatapos yung 3.5% di pa dapat based lang sa 1000 pesos,pero iba yung nang yayari. due ko nga is 1000 pesos ,pero mern akong purchases na hindi na sama sa billing pero para next month, example 1000 thousand pesos, so dahil nag mininum yung bayad mo and mern ka malaking transaction na due pa next month which amounts to 20,000 pesos , then it is (1000 + 20000) * 3.5% . SHITTY BANK talaga. PLS PAY FULL PAYMENT EVERY DUE DATE para di kayo maisahan ng bangko, PAYING THE MINIMUM DOESNT reduce your utang, it keeps bigger and bigger until mahirap na magbayad. clarification pa sa partial payment sa 1000 pesos na utang mo, you paid 999.99, computation the same (1000 + 20000)*3.5%, HINDI ganito [(1000 - 999.99) +20000] * 3.5%.
SHITTY BANK, i suggested changes pero the remark, thats why malaki sahod mo.

Enough with all these credit card companies.. Yes I take whatever I can get, but only for 1 year. This year I have AIG, HSBC, and believe it or not, American Express Peso Platinum!!!! Whoever will waive their annual fee next year will I retain..