Here’s a list of credit card bills that you can pay at SM Southmall:
- Allied Bank / Philippine National Bank (PNB)
- Diners Club
- HSBC / HSBC PIL
- Union Bank
- Security Bank
- SM Guarantor
- Standard Chartered
If you can, pay in full your credit card balance. If not, try to pay more than the minimum due.
If you have enough points or rewards, use them as payment for the annual fee, and not to obtain more stuff that eventually you won’t use. Many of the products on the rewards catalog look good only on the brochure.
As soon as your annual fee is posted on your statement, call the bank and use your rewards to pay the annual fee. If you delay it, interest will be imposed on the annual fee, and oftentimes, it won’t be reversed, even if the annual fee is reversed.