How I Use My Credit Card to Get Freebies and Discounts

I am proud to say that I have never paid a single centavo for my credit card membership. I have three cards (1 from BDO, 1 from HSBC and 1 from Citibank). My tip in having your membership waived is simple - pay your bills online and in full. I never had any problems with BDO in requesting to have it waived every year. It is my first year with HSBC and Citibank, so I can't tell yet if my simple trick would do wonders - if not, I can always tell them to deactivate my membership. The least I wanted is money and/or financial issues.

Credit cards should always work for your advantage. Aside from the points that I am earning everytime I use my credit card, I also take advantage of the promos and tie-ups.

During my birthday, I took advantage of the 10% discount from Yellow Cab Pizza for using my Citibank Gold Credit Card (for purchase above Php1,200).

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