I've been a Rcbc Bankard user for more than a year now and I am fully satisfied with their services. I've had other credit cards in the past and I had them cut off because I had bad experiences with them. Now, I am sticking to RCBC Bankard because their point system is easy to earn, for every 800 points is equivalent to Php200. A very plus for me.
I am not encouraging everyone to get a credit card. Having one takes a great discipline or you'll end up in debt. We don't want that because their interest are quite high. So my tip is use it only for emergency or use it within your means. Let's say you have a cash budget of Php5000.00 for grocery, save it use your card so you will earn points and when the due date comes you pay your bills on time. Easy peezy. You can also use your card to pay the bills they have this automatic deduction each month, all you need is to call their customer service. Aside from that they are offering 0%interest for 3 months for a fee though but its just minimal unlike paying your bills with high interest.
Now, I can say that I've earned 2000points which gave me Php500 rebate, 👍👍👍 Another great saving for me.
Aside from that RCBC always send an alert whenever I am using my card, as a client that gives me a sense of peace of mind.
What about you luvies? Any experience to share?