MoneyMax or Direct application
I'm planning to apply for my first CC (UB Rewards). Super enticing ng pa gifts ni Moneymax, and maganda yung promos for NAFFL. I wonder if it would be better as a first time applicant or should I apply directly to UB?
Background: I have no existing account sa kanila.
Second option would be BPI Amore Cashback. I have 3 deposit accounts with BPI; payroll, personal account, and auto debit for my BPI PhilAm. I have a pretty decent amount sitting on my Payroll. Do I have better chances with BPI? I have no existing loans sa kahit saan.
Purpose would be for groceries, utilities, tuition payment, few online shopping (sana charot).
Inputs would be very appreciated. Good day y'all!