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Posts Tagged ‘credit limit’

I have been a customer of a credit card company for many years. I have had a clean record, so the company normally waived a rare late-fee if I ever accidentally delayed my monthly payment.
Last month I got hit by an over-limit penalty because I went a couple of dollars over the credit limit. I called the company and asked for a waiver. This time it was much much harder to get the fee waived — I had to almost cancel my credit card.
I am wondering why the difference between these two types of penalties?

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transfer the whole balance from the card with the high APR if it mean pushing your low APR card close to its credit limit? What is a better strategy for your credit rating? Spreading debt out over a few cards? OR having some cards with no balance and some with high balances due to transfers?

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does anyone know where I could apply for a student credit card with a high credit limit?

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We have Metrobank, HSBC, Citibank, BPI, BDO and a lot of others that provide credit card services in the Philippines. But which of them offers the best interest rates, credit limit, promos, perks, discounts, benefits, rewards, features and other stuff?

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