Secured Credit Cards

[blackshirt13]

Got my secured CC from BPI last month. Took a month for the CC to arrive, but after that ok na naman. I've use it for shopping both online and off and so far, so good naman.

[happynlove]

Reviving this thread ..
I have a regular savings in BPI but I'm planning to open a Maxi-Saver in BPI Family. Pwede bang Maxi yung nakahold? Also, BPI family din ba ibibigay saking cc, or pwede ako magrequest na regular BPI cc?

[ayami]

^ I think depende sa branch, sa mom ko BPI regular SA ang nakahold na pera. try asking yung branch mo

[happynlove]

^ thanks sis.
Pinost ko na din tong question sa kabilang thread but has anyone tried to have their secured cc applied during BPI's waived annual fee for life promo? Waived din kaya yung sayo for life kung approved during this promo?

[loveann]

HI Sis, gusto ko kumuha ng rcbc instacard but when I checked the current reviews medyo pangit pala.
By the way ipapacut ko din sya once makakuha ako ng credit card sa ibang Banks

[baking_momma0827]

Na sad naman ako sa reviews ng RCBC SCC. I'm planning to get one pa naman. Currently meron akong BPI SCC. 11k lang limit ko. Ngayon ko lang na feel na ang liit pala nito cause nakaka 18k ako every month ngayon na nakapanganak na ako. 2months ko pa lang naman gamit so far ok naman. What I do is kada swipe ko eh pay agad if kaya ng 1 day if not within 1 week e pay ko na agad. I make sure na pay agad especially kapag straight payment hehe takot ako macharge ng late fees. Kaso ang hassle magpabalik balik sa bank. I got this scc sa bpi family. Ang branch na nandito is hindi bpi family. Regular na bpi lang.

Gusto ko nalang mag add ng deposit para tumaas ang CL. Direct na ba yun or need ko pa ng papers for that like additional proof of income.? Btw home baker ako so wala ako proof of income. Help naman po! 😟

[RedUy]

My BPI secured credit card application was denied. WTF? I applied last January 28, 2016. Today, I called and found out that it was declined. Shouldn't the Express Start Program be 100% approved after the processing? 

[ayami]

^for real??? Bakit daw?

[jhaz]

Hi mga sis! First time cc holder here and I got iyong sa bpi na scc.billing statement ko is every 21st of the month but until ngayon wala pa rin ako narerecieve na bill and as far as I remember paperless iyong pinili ko sa meaning eemail nalang sakin ang total amount ng babayaran ko right?Im just wondering kasi until now wala pa ako narerecieve.hope someone can enlighten me..Tia!  :-)

[RedUy]

^for real??? Bakit daw?

My banking branch called me nung Tuesday morning. Kaya daw nadecline kasi naubusan ng card na nirequest ko. Nagemail na rin sila sa para ibang card nalang daw kukunin for me. Sabi ko dapat for generating nalang yan and within this week makuha ko na. Until now wala pa ring update. Tatawag ako later to check on the status ulit.

[ayami]

^ nakakaloka naman ang labo nila card type ang issue genern?

[forumera]

Hi mga sis! First time cc holder here and I got iyong sa bpi na scc.billing statement ko is every 21st of the month but until ngayon wala pa rin ako narerecieve na bill and as far as I remember paperless iyong pinili ko sa meaning eemail nalang sakin ang total amount ng babayaran ko right?Im just wondering kasi until now wala pa ako narerecieve.hope someone can enlighten me..Tia!  :-)

Kung paperless ang pinili mo, they will email you, sasabihin lang naman sayo na ready na ang statement and to log in to your online banking to check it. Ang due date usually 20 days after cut off. Kung wala ka nareceive na email, check your online banking account na lang to view your statement to know how much total you need to pay. You can also check it via mobile app. Or you can call them too. It is very important to keep yung mga receipt or slip para we have records kung ano mga na purchase para we can compare sa statement.

[jhaz]

Hi sis! Hindi ko pa kasi na enroll sa online banking ang account ko. Passbook kasi ang ginamit ko for my scc and hindi talaga pumasok sa isip ko na kelanga registered sya online.I tried to register sana ang cc ko but nanghihingi kasi nag customer number Aya yon eh wala akong Ganon.anyways.thank you sis! Will call them nalang tomorrow..Godbless :-)

[forumera]

^naku pano nga? e yung customer number nasa statement of account, you need to enroll talaga online banking, kasi wala sa email yung statement, instruction lang yun

EDIT TO ADD
sis baka nasa letter/paper, kung san nakadikit yung cc mo nung nareceive mo cc mo

[ayami]

Sa case ko automatic naeenroll yung mga credit cards once nakaenroll na yung deposit account sa Express Online.

[pattyriguer]

HI, anyone here na may metrobank scc? I applied last Monday ng save & swipe card ng metrobank..My concern is, is it ok na nag apply ako sa ibang branch at hnd mismo sa BOA? hindi ba mag kakaproblema or madedelay [textspeak!] process?

[teejiko]

^Hmm parang nabasa ko na tong question mo sa ibang forum hehe. Sorry sis, wala din ako idea. I hope someone can help you here.

Ako naman I applied for SCC sa BPI last October 22. Ngayon lang ako naka-receive ng notification na under process na. Sana naman ma-approve so I can rebuild my credit standing. Hay..

[atty_dada]

Share ko lang experience ko with the Secured Credit Card. I hope GT folks can learn from me. Hehe. Wag tularan.

So I ran into a series of bad credit card a couple of years ago (Citibank and Standard Chartered) which I had settled when I was able to get a job. But the damage has been done, I had been refused several times over by credit card companies DESPITE having a six figure monthly salary.

So I took the advice and got myself a credit card from Metrobank. Started with a  35K deposit for a 3OK+ limit. So far so good. Use it for two months and paying in full everytime. Come tuition time, I called Metrobank and asked if I can charge my daugther's tuition and and then convert it into installment. Okay daw. Charge away ako.

Then AFTER I charged about 30K worth of tuition, I called Metrobank again to convert the charged amount into 6 month installment. Hindi daw pwede, kasi wala pang one year yung card ko. This really pissed me off and I didnt pay the bill when it came. Sa sobrang inis ko di ko binyaran ng full, I just paid 30% and didnt pay na for the next 2 or 3 months. On the third month, they decided to call on the amount that was in my hold-out account. I tried to make habol and deposited another 10k to forestall them calling on the hold-out, but to no avail.

Moral of the story, never let your emotions run (or ruin) your credit card use. The first time my credit cards went bad, was due to the same thing, they wouldn't let me convert a straight charge payment to an installment basis and naiinis ako to the point na ayokong magbayad.

Also, i was shopping my bad moods away. I felt that I deserved nice shoes or bags or clothes and maximized my CC all the time.

Ngayon pa lang ako bumabangon financially. I am planning to open a Unionbank SCC with a lower credit limit. Just so I have a CC for emergency purposes. I have a prepaid Visa AMore, but its just like spending cash, kasi reloadable.

I hope some of you will learn my lesson. Ako, it took me two incidents to realize how horrible I really am at managing my finances. Dapat isip isip din kasi di naman pinupulot ang pera.

[teejiko]

^Thanks for sharing sis. Kaso dapat ininform ka nung nakausap mo sa Metrobank na hindi pwedeng gawing installment if less than a year ang card. Mali din sila.

But anyway, like me, I am trying to rebuild my credit standing kasi nagkaroon ako ng 2 delinquent accounts (one of which I've already paid in full). So ngayon, I will really manage my finances the right way.

[teejiko]

Hindi nahold ng branch na pinuntahan ko yung savings ko for secured card so ending, na-withdraw ko siya