Hi! im currently 20 and turning 21 in a few months, im currently working already and studying online, I have a 26k-30k salary, depending sa mga OTs and night diff since yun talaga bumubuhat ng salary namin, thankfully di bumaba ng 26k yung salary ko. I also have a 30k emergency fund and on track to make it 50k in the coming months before I turn 21. My savings is currently 25k, and the goal is to make it 50k or even 70k before the year ends (FEELING HAHA). My savings fund is with metrobank and my emergency fund is with ub.

Now im looking for a cc thats good for my age and spending habits, I dont spend a lot unless needed, siguro nasa range ng 4k-7k sa wants tapos the rest is for needs na. I don't pay rent since I still live with my fam, but inako ko na yung bills which, suprisingly 2k-4k lang everymonth. My tuition fee is also not a problem since im kind of a scholar ng company ko, as long as my performance with them and at school are all good.

I used to eye on having a cc with UB since sakanila payroll ko before and I kept on using it for my savings, but all I had with them are bad experiences kaya sobrang na off na ko to pursue a relationship with them. And now im on a hunt for a good bank with good cc products, its always been my financial goal to have a cc na I could when I need and want (with discipline ofc).

My plan is to transfer my funds from UB to a bank na maganda yung CC products so when I turn 21 I could confidently apply a cc with them. Reco kayo pls, THANKS!!