![]() Look for cards with lower interest rates or 0% promotional rates to save money on interest charges if you plan to carry a balance. Compare the interest rates for purchases, balance transfers and cash advances. Consider each card's credit limit and whether it meets your needs. Credit cards can come with unexpected perks, such as travel insurance, purchase protection or extended warranty coverage. Make sure the bonus is attainable without overspending. You might be able to earn a sign-up bonus, such as extra cash back rewards or points, when you meet a spending threshold within the first few months of opening the account. Consider how you plan to use the rewards and whether their value will outweigh any card costs. Rewards should match your spending patterns. Look for credit cards that offer cash back rewards, points or miles. Also look at late fees, balance transfer fees and foreign transaction fees. Kayikchyan points out that some cards waive the annual fee the first year, but it kicks in the second year. Evaluate whether the card's rewards and benefits are worth the annual fee. Some credit cards charge an annual fee and others do not. Select a card with a 0% introductory annual percentage rate and not an airline credit card, for example, when you need to pay down a large purchase or balance. Consider how you want to use the credit card before you choose one. Thank you for your continued trust and loyalty as a valued customer of AmFirst. Our team is ready to assist you every step of the way. Should you have any concerns or need further assistance, please do not hesitate to contact us. We greatly appreciate your understanding and cooperation during this transition period. However, this conversion will ultimately enhance the security and reliability of our payment services, delivering a better banking experience for you. We understand that updating recurring payments may require some effort on your part, and we sincerely apologize for any inconvenience caused. Our editors’ other top picks for credit cards: Credit Card. This card’s rebate offers can help you save as much as P15,000 per year on all of your purchases. On 9/28 and 9/29, you can still use online banking to transfer payments or visit any branch. Quick Take: The best credit card in the Philippines for practical spending is Citibanks’ Citi Cash Back Card. ![]() The new system will be available on October 2. The old system will be turned off at 10p.m. We are here to assist you and ensure a smooth transition. Contact our support team: If you encounter any issues during the setup process or have any questions related to the conversion, please don’t hesitate to reach out to our dedicated member support team.Register as a user and update your payment information. Update your payment information: On or after October 2, access our new payments portal through our website.Review your current payments: Take this opportunity to review your existing recurring payments and make note of the ones you will need to set up after the conversion.Mark your calendar: Please make a note of the conversion date, October 2, to remind yourself to set up your recurring payments after the migration.Opening another card can help your ratio (and by extension your overall credit) by increasing the amount of credit you have. Those with the highest scores usually have ratios below 20. Get started by selecting two cards to compare to see each one's bonus offer, annual fee, and more. Experts recommend keeping that ratio below 30. NerdWallet’s credit card comparison tool lets you compare the details of dozens of cards side-by-side. To minimize any inconvenience, we recommend that you take the following actions: If the combined credit limit on your cards is 10,000 and you spend and pay off 5,000, your credit ratio is 50. This step is essential to ensure the continuity of your automatic payments. While we are working diligently to ensure a seamless transition, we want to bring your attention to an important aspect that may require your action.Īfter the conversion, it will be necessary for you to set up any recurring payments again within the new payments portal. On October 2, we will be migrating to an improved payments platform. This conversion will enhance the efficiency and security of our payment services, allowing you to see your loan payments in real time in online banking. We want to make our members aware about an upcoming conversion of our loan payments portal at AmFirst.
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