Author Topic: Secured Credit Cards  (Read 117055 times)

heavensent

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Re: Secured Credit Cards
« Reply #40 on: November 22, 2012, 07:38:07 pm »
I called BPI hotline and sabi ng CS deposit slip nalang daw talaga ang binibigay :(
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freelancer_babe

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Re: Secured Credit Cards
« Reply #41 on: November 22, 2012, 07:47:34 pm »
^ baka ok na yan? baka rin nagbago na ang procedure nila?

sabagay last year pa kasi sa akin at kinukuha ko na ang hold-out deposit ko na ngayon kung sakaling papayag sila. tago mo lang maigi yung deposit slip, yan lang ang hawak mong paper nung collateral na savings account mo.
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mizzybebz

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Re: Secured Credit Cards
« Reply #42 on: November 22, 2012, 07:47:43 pm »
Wala rin binigay sakin sa BPI nun. As in wala. Haha.

Nung ni-release ko hold-out wala naman naging problema. Check lang IDs ko and yung card.  ;)

freelancer_babe

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Re: Secured Credit Cards
« Reply #43 on: November 22, 2012, 07:50:32 pm »
^ mga ilang days ang hinintay mo para i-release yung hold-out? or weeks ba ang inaabot?

ako lang ata ang naiiba? hahaha!

sa akin walang deposit slip. kasi transfer lang ng existing funds ang ginawa ko galing sa isang existing BPI ATM account papunta doon sa passbook savings account na inopen pang-hold out. siguro kaya ganun...
« Last Edit: November 22, 2012, 07:52:56 pm by freelancer_babe »
Catch a man a fish and you can sell it to him. Teach a man to fish and you ruin a wonderful business opportunity. (Karl Marx)

mizzybebz

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Re: Secured Credit Cards
« Reply #44 on: November 22, 2012, 07:52:10 pm »
3 weeks yung sakin.  :)

heavensent

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Re: Secured Credit Cards
« Reply #45 on: November 22, 2012, 07:56:19 pm »
^^ako kasi withdraw then tska open ng passbook account

^ buti naman sis at same pala tayo.. ilang days bago dumating CC mo and ilang percent ang na approve sayo?
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freelancer_babe

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Re: Secured Credit Cards
« Reply #46 on: November 22, 2012, 08:03:17 pm »
^ tinanong ko kasi ang customer service kung ok lang na derecho nang i-bawas sa account imbes na i-withdraw ko sa ATM nila... so pwede naman daw at ginawa naman nila.

80% approve sa akin, pero inabot ng 2 months bago ko nakuha mismo ang card. hindi raw ako mahanap ng courier nila. expected ko lang kasi mga one month lang ang waiting period. in the end, sinabihan ko na lang yung hotline na i-pickup ko na lang ang card sa isang BPI branch dito sa amin.

^^ sana payagan ako... at sana mabilis ang pagrelease nila ng hold-out.
Catch a man a fish and you can sell it to him. Teach a man to fish and you ruin a wonderful business opportunity. (Karl Marx)

heavensent

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Re: Secured Credit Cards
« Reply #47 on: November 22, 2012, 08:12:06 pm »
^tagal nun sis ah.. ilang years na ba yang hold-out mo?
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freelancer_babe

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Re: Secured Credit Cards
« Reply #48 on: November 22, 2012, 08:24:30 pm »
^ one year lang. kaka-one year last month nung hold-out. oras na para magamit. :-D

di ko pa rin sure kung ipapaclose ko yung passbook account na yun o gamitin na lang na pang-ipon ng emergency fund.

karamihan naman sa mga taga-manila, mas mabilis nilang nakukuha ang card nila. yung iba 2 weeks lang kuha na nila via courier.
Catch a man a fish and you can sell it to him. Teach a man to fish and you ruin a wonderful business opportunity. (Karl Marx)

heavensent

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Re: Secured Credit Cards
« Reply #49 on: November 22, 2012, 08:30:56 pm »
^ah ok sis, ok din kahit wag ma na close and wag mo kunin lahat ng hold-out para savings mo na din :D
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freelancer_babe

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Re: Secured Credit Cards
« Reply #50 on: November 22, 2012, 08:35:30 pm »
^ 3 na kasi ang BPI ATM accounts ko doon. hehe.

pero mas ok pa rin ang passbook savings account para sa emergency. pag ATM kasi nagagalaw ang funds. basta wag ko lang i-enroll ang passbook account rin sa bpiexpressonline para talagang di magalaw.  :o
Catch a man a fish and you can sell it to him. Teach a man to fish and you ruin a wonderful business opportunity. (Karl Marx)

heavensent

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Re: Secured Credit Cards
« Reply #51 on: November 22, 2012, 08:41:44 pm »
^ako 2 accounts ko, yung easy saver and yung direct..

hirap nga pag atm tempting kasi..
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lady_avoidant

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Re: Secured Credit Cards
« Reply #52 on: November 23, 2012, 12:48:27 pm »
sino na dito ang nabigyan na ng regular credit card after one year? Saang bank naman mga sisses?

heavensent

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Re: Secured Credit Cards
« Reply #53 on: December 07, 2012, 09:06:27 am »
got my card today, nagulat ako kasi akala ko next week pa since I received a text yesterday na after 5 days daw dadating yung card ko :D
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freelancer_babe

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Re: Secured Credit Cards
« Reply #54 on: December 07, 2012, 09:10:36 am »
^ how nice! maganda ang cards nila no? which card yung kinuha mo? alagaan mo sis, kasi mas madaling masira yan kaysa sa BPI ATM. ako nga naka-one year lang nagrequest na agad ako ng replacement. madaling masira ang card sa kakaswipe.  :o

yung replacement card ko sa BPI wala pa rin kahapon. ewan ko lang kung dumating ngayon, siguro tawagan ko na lang yung branch na yun. hehe, medyo nakulitan na rin ang branch sa akin. Friday ako nagrequest.

at isa pa, next week ko pa malalaman ang release ng hold-out deposit kung approve or hindi. 3 weeks ang sinabi sa akin ng branch.

Catch a man a fish and you can sell it to him. Teach a man to fish and you ruin a wonderful business opportunity. (Karl Marx)

heavensent

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Re: Secured Credit Cards
« Reply #55 on: December 07, 2012, 09:16:37 am »
^yung blue card sis, di ko maalala tawag.. hehe.. do i need to activate it pa? wala kasi nakalagay eh..
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freelancer_babe

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Re: Secured Credit Cards
« Reply #56 on: December 07, 2012, 09:23:40 am »
^ activated na yan sa pagkakaalala ko. I think nagamit ko rin agad ang card ko pagkakuha ko sa branch.

pero kung gusto mo ring gamitin sa cash advance kailangan mo pang pumunta sa isang BPI branch na nagpapalagay ng PIN. hopefully sana alam mo rin na mahal ang fee at interest ng cash advance... anyway optional lang ito.

siguro yung blue card na nag-e-earn ng reward points ang nakuha mo? Petron-BPI yung nakuha ko, blue rin ang color pero may picture at logo ng Petron station at gasoline rebates at discount lang ang nakukuha ko doon.

sana kumuha ka na rin ng e-Credit card nila. walang annual fee yun. yun ang ginagamit ko pag online naman para safe.
« Last Edit: December 07, 2012, 09:25:26 am by freelancer_babe »
Catch a man a fish and you can sell it to him. Teach a man to fish and you ruin a wonderful business opportunity. (Karl Marx)

heavensent

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Re: Secured Credit Cards
« Reply #57 on: December 07, 2012, 09:47:22 am »
^yun ngang nag earn ng reward points sis.. katuwa naka add na din siya sa express online ko :D
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freelancer_babe

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Re: Secured Credit Cards
« Reply #58 on: December 07, 2012, 12:18:38 pm »
^ dami mo na atang accounts na nakikita online. hehe.

ang importante ay yung sa credit card. minsan kasi delayed or di rin dumadating sa oras yung bill. mas mainam talaga i-check na lang online.
Catch a man a fish and you can sell it to him. Teach a man to fish and you ruin a wonderful business opportunity. (Karl Marx)

geekchiq

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Re: Secured Credit Cards
« Reply #59 on: December 13, 2012, 04:28:26 pm »
no time to backread. has anyone tried applying for a regular credit card after having a secured credit card? I've been using secured CC for 2 years already and gusto ko na magapply for regular CC. 2 years na rin naka-TD yung money ko dun although I don't have plans of pulling out the money. ano kayang chance ko to get a regular CC?

 I've tried kasi last year to waive my annual fee for my secured CC and hindi sila pumayag, baka mas madali pag regular CC na ang meron sa akin. kaya gusto ko mag-change. TIA!

 

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