u/AuntMimosa

What CC is a beginner friendly and no annual fee?

As someone in her 20s, I wonder what CC is the best pick, including its pros and cons, accessibility, safety, etc. Been eyeing for RCBC and Union Bank, other suggestions?

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u/AuntMimosa — 9 hours ago

Would they still consider?

Good day! I just want to ask for clarification/help. I passed my form 2 and 3 last August 2025, but up until today hindi pa rin ako nakakapag fill out ng form 1 and nakakapag take nung 2 certifications needed. Valid pa rin kaya kahit may gap sa passing of requirements? Kumbaga, tatanggapin pa rin kaya nila kahit ngayon lang ako makakapag pasa nung form 1 along with the certifications, valid pa rin kaya kahit nauna yung form 2 and 3 ko last year? Or do I have to pass another form 2 and 3 again (na updated na ang date which is ngayon)?

Thank you 🙏🏻 (p.s. the reason why hindi kaagad ako nakapag asikaso nung 2 certs and form 1, other than personal reasons nawalan ako ang gana magasikaso)

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u/AuntMimosa — 11 hours ago