For most Filipinos who are used to paying cash and think of credit card as a mere plastic card that is used to open locked doors in the old movies, then this article is not meant for you. No offense meant, but this is for those who have cash and the luxury of credit card. Except otherwise if you have a plan to get a hold of a credit card in the near future, then feel free to read on. http://www.compareking.ph/credit-cards/cash-credit-card-question/