I have been a cardholder of Red Mastercard for 2 to 3 years now. Last purchase using this card was made in August 2008. However, to my disappointment, after only 2 months of not being able to pay the bill, my account was transferred to the legal collection office of HSBC which is based in Davao. 16, 000 php was the amount that I had to pay last Dec. 2008. Other credit card companies are kinder to their clients. Since then, I have been consistently paying my bill with 2000 php or more a month. Just when I thought my bill would be so small... read full review »