Look what I got! Another credit card!
One year annual fee is waived. (The next year, if they won't waive it, I'll let it go.)
1 point for every Php 20 spent (BPI is 1 point for every Php 30 spent.)
My rule of thumb when using credit card: I never EVER carry a balance. Though I let my friends use my credit card for points purposes,BUT my rule is that they should pay me first before they could use it.