Secured Credit Cards

[florencia]

Hi mga sis, yesterday I went to my BDO servicing branch to open an EIP. While I'm there tinanong ko na din about secured credit card. Meron silang ganun pero hindi alam ng kausap ko kung anong tawag. Hahaha. Pero according to her, 30k ang minimum tapos mejo madaming requirements. May nabanggit pa syang need ipa-notarize. Ang hassle. Inofferan niya din ako na i-endorse na lang daw nila ako since madami naman akong account sa kanila with decent amount of money tapos nag-EIP pa nga ako. Eh kaso kelangan daw ng landline. Kaso wala kong landline. Huhu. Ayun. So sad. papakabit muna ko landline.

[ava08]

Sa BPI mga sis 10k minimum holdout amount tapos 80% ang credit limit mo. Ang requirements na hinihingi katulad din sa pag-open ng savings account. Ganun din sa Metrobank but for me mas maganda ang credit card ng BPI.

[smua2014]

Question lang mga sis. I am planning to get a regular credit card next year. I am working as an online english teacher and I do file my own taxes. Ask ko lang kasi isa sa mga requirements ang audited itr, kanino kayo nagpapagawa nito? Do I need to have a bookkeeper to get this? Sorry dunno much about these things 

[lovepag]

hi fellow FN members!

I am banned from getting a regular credit card because i have a few cards which i decided not to pay.

Can i still get a Secured Credit from the same bank which i have an existing  debt with?

I have an unpaid balance with Unionbank,  Can i still  get a Secured credit card from Unionbank?

Thank you in advance!

[alleliastudillo]

Hi !

update lang about RCBC SCC,
got mine August last year. At nitong February lang kinontak ako nung branch of account ko saying na need ko daw mag'open ng savings account sa kanila (aside pa yun sa naka TD ko). mandatory daw yun.
wala ako magawa so nag'open naman ako.
Balak ko na tuloy i'pull out [textspeak!] TD ko pag nag'mature na then lipat ko sa Metrobank.
RCBC lang ba or sa ibang bank ganito din? help naman please

Thanks!

[abbeydasassy]

^ sis I have a TD din with RCBC pero I did not receive any calls from them asking me to open a savings with them naman. August din ang maturity date ko.
 
not even a letter or email.

[ayami]

Had a very bad experience with RCBC Instacard. Ayaw nila release yung TD ko after a year. Kesyo di daw inemail nung cc dept na clear na ko si branch. Tapos nagkakagulo sila tawag ako para ipacut yung card and pinawait ako ng 2 months, only to rollover ulit yung TD and bawasan yung amount nung kinuha ko na (napenalize pa ako, e sila nagsabi na after 2 mos). Asar na asar ako. Never na ko magtatransact with them kaya yung binigay nila sakin na regular cc goodbye na.

[alleliastudillo]

so baka sa branch ko lang need yun.
anyway, gusto ko ndin naman sia palitan talaga kasi minsan nadedecline sya sa ibang stores CityBuffet sa may SM Fairview, di nila tinanggap, error daw.
sa fitflop din ayaw gumana.
kung magpapalit ako, aling bank ang maganda?
HSBC kaya? any feedbacks? thanks

[lovepag]

we applied for an RCBC  instacard. 4 months na wala pa din daw!

ganito ba talaga katagal itong bank na to!?

[abbeydasassy]

^matagal na masyado yan sis. mine before 1 week lang

[alleliastudillo]

sakn din, saktong one week lang inabot,. i'follow up mu na kaya.

[mamapoy]

Mga sis question naman for those who own a BPI SCC, how long bago nyo nakuha yung card? I am thinking of applying with BPI kasi. 

[ayami]

Mga sis question naman for those who own a BPI SCC, how long bago nyo nakuha yung card? I am thinking of applying with BPI kasi. 

2 weeks

[mamapoy]

2 weeks

Thanks sis, I just applied kanina with BPI, pero I was wondering kasi sabi nung nakausap ko, kapag TD daw 50k ang minimum nila. 

Kaya I just opted for a regular savings account, nung una nga ang sabi saken 20k daw dapat ang minimum holding sa savings account to avail of the BPI express start. Weird. 

[ayami]

Thanks sis, I just applied kanina with BPI, pero I was wondering kasi sabi nung nakausap ko, kapag TD daw 50k ang minimum nila. 

Kaya I just opted for a regular savings account, nung una nga ang sabi saken 20k daw dapat ang minimum holding sa savings account to avail of the BPI express start. Weird. 

TD ko noong 2010, 26.5 K lang para sa 20K limit. Baka iba na rules nila or yung mga tao sa branch di alam mismo yung Express Start.

[mamapoy]

2 weeks

Wala pa din yung CC ko up until today. Finofollow up ko, ang sabi saken last week, may kailangan lang daw sila na form from the branch, the authorized signatory na form, tapos yesterday i called again, biglang sabi saken, denied daw! Possible ba yun, e naka hold na yung pera ko sa kanila.. 
Ginawan na naman ako ng another service request na naka-indicate ng express start yung inapply ko.

[kwang sun]

may secure cc ba for bdo?? ano pinagkaiba nito sa credit card na hndi se ure??

[happyscent]

ano requirements sa secured credit card?

[ayi21]

Saan bank ba advisable kumuha ng Secured CC for first timers?

[Red Rack 21]

may secure cc ba for bdo?? ano pinagkaiba nito sa credit card na hndi se ure??

sis i have a secured credit card with bpi. not sure kung meron ang bdo try mo kasi since bpi started this secured cc may ibang bank gumaya na din. ang secured cc mag initial time dep ka ng 10k minimum then mag issue sila ng td cert mo plus credit card na ang credit limit is 80% lang ng  td mo. so kung 10k td mo 8k lang ang credit limit mo sa credit card. this ccard catered to those who cannot avail of a regular credit card for various reasons hindi ma approve or bad credit history with other banks...ito yung ginawa ng bpi. but recently pina cancel ko na kasi may isa pa ako cc bpi petron mastercard which is a regular cc. hindi mo makukuha  td mo hanggang ginagamit mo cc mo... pang secure nila iyong td in the event hindi mo mabayaran kaya 80% lang ang credit limit mo.  nag earn dn naman ng interest ang td mo tapos nagpapadala sila every year ng cert how much na yung td mo plus interest. kaso maliit lang din. if u want a higher credit limit dagdagan mo ang time deposit mo. no requirements dyan whatsoever valid i.d. lang at yung pera mo na ilalagay sa td. hth sissies