all about credit cards-thread 4

[nixie-devyn]

^ pano sinabi na approved na cc mo? call or email?

[akireyhoj]

^call sis

[ezonme]

I have a huge balance sa bpi credit card ko. Halos 2 years ko na din siyang binabayaran na kung tutuusin with the interest rate eh bayad ko na siya dapat. There was a time na hindi ako nakakabayad in full at lageng minimum lang kaya lumaki yung balance ko. Meron kayang parang program ang BPI to help na babaan yung interest or i-freeze muna?

[freelancer_babe]

I have a huge balance sa bpi credit card ko. Halos 2 years ko na din siyang binabayaran na kung tutuusin with the interest rate eh bayad ko na siya dapat. There was a time na hindi ako nakakabayad in full at lageng minimum lang kaya lumaki yung balance ko. Meron kayang parang program ang BPI to help na babaan yung interest or i-freeze muna?

I think all banks that offer credit cards allow where you can negotiate for a smaller interest in case you are having a hard time paying it - BPI may or may not have such a program, but I've heard stories about people who are able to negotiate a more affordable payment scheme. However, malabo yung arrangement na ma-freeze yung interest.

Talk to the bank. Probably an actual visit to the branch would be best. I think your case might be "customized" so that you get a better payment scheme.

Do this ASAP para di na lalong lumaki ang balance mo.

[ezonme]

Thanks sa reply. I will go tom. Any BPI Branch naman no? Pano pala yun Supplementary lang ako eh.. kelangan pa ba dad ko yung pumunta or okay lang na ako lang?

[freelancer_babe]

I will go tom. Any BPI Branch naman no?

Bank anywhere sila for most transactions.

Pano pala yun Supplementary lang ako eh.. kelangan pa ba dad ko yung pumunta or okay lang na ako lang?

Not sure sa supplementary, pero tingin ko baka kailangan dad mo ang pumunta at makipag negotiate - kasi kargo niya yun. Kung hindi possible dahil may karamdaman siya, then try mo na ikaw lang muna.

[ezonme]

^thanks sis will try my luck na lang.

[cinnam]

Any girls here na nagamit na locally issued credit cards natin to purchase something (in installment basis) overseas? Possible ba yun?

[freelancer_babe]

Any girls here na nagamit na locally issued credit cards natin to purchase something (in installment basis) overseas? Possible ba yun?

I haven't tried this yet sis. However, I happen to inquire about this last week. Will you be using a BPI CC?

Sa BPI, they have this SIP installment program. The requirement is that, you need to have twice the value of the actual credit limit before purchasing the product; say, you want to buy something worth P10k, you will need to have a minimum of Php 20k actual credit limit.

You purchase the product using straight payment.

Then arrange with BPI right away to pay it in installments using their SIP installment program.

Yun nga lang, this is not a zero installment deal. May interest ito depende sa term of payment na gusto mo.

For other banks, maybe someone could answer here or just check yourself if there is such a similar program like that of BPI's SIP.

Alternatively, you may also try to look into getting a personal loan from banks, or salary loans from your company, SSS and/or PAGIBIG to pay your online purchase. So it's get the loaned money then pay the CC bill right away. Pretty much the same effect, installment mo ring babayaran. I think mas mababa pa ang interest kung sa SSS and/or PAGIBIG mo na lang kukunin ang loan, as compared to a BPI's SIP installment program or other similar installment programs in other banks if they exist.

[xtine]

^I also have BPI CC but SIP is only for local purchases.  Remember that cashiers out of Phils does not have BPI terminals but visa or mastercard only.  Therefore, you may only use SIP on purchases within Philippines.

[puglover]

I have a question regarding hsbc rewards points. Nagexpire kasi points ko last month. Nawala na sa isip ko na last month pa pala expiration niya. Sayang 12k din. Would anyone know kung pwede ko pa kaya magamit yun points ko? Called customer service sabi no na daw e last year same scenario nagamit ko pa naman

[ayami]

^ nageexpire pala rewards points nila? Kaloka naman yun gano katagal ang validity?

[nixie-devyn]

have received my bdo dual gold cards yesterday.. finally after 2 months 

by the way I'm trying to add them in my online banking, ang nakalagay kasi dun is account number. credit numbers ilalagay ko dun diba? dun diba magsshow yung balance? thanks...

[puglover]

1 year lang.. gusto ko ihabol kaso yung nakausap ko last night sabi hindi na daw pwede.. nagbago na daw sila ng sistema.. will try again later.

[chelvin26]

I tried looking for Thread 3, pero parang wala eh. So I created one, pakidelete na lang po if meron na gantong thread. '


previous thread
http://www.femalenetwork.com/girltalk/index.php/topic,246898.580.html

Question lang mga sis na may Eastwest Credit Card.

meron ba silang facility na pwedeng ireconstruct/installment yung buong bill mo? for example 15,000 pero different merchant yun. kasi sa RCBC Bankard may ganon eh. I am wondering lang kung meron din sa Eastwest. Thanks

[tey_roch19]

I tried looking for Thread 3, pero parang wala eh. So I created one, pakidelete na lang po if meron na gantong thread. '


previous thread
http://www.femalenetwork.com/girltalk/index.php/topic,246898.580.html

Question lang mga sis na may Eastwest Credit Card.

meron ba silang facility na pwedeng ireconstruct/installment yung buong bill mo? for example 15,000 pero different merchant yun. kasi sa RCBC Bankard may ganon eh. I am wondering lang kung meron din sa Eastwest. Thanks

wala sis, nag inquire na ako nyan e.

[chelvin26]

wala sis, nag inquire na ako nyan e.

talaga sis? huhu kahit anung pilit mo sa agent?

[alice_alice]

ang hirap magapply, esp pag sa BPO ka nagwowork lage declined. eh mataas naman ang salary ko 

[inluvewithmikewesten]

Sis try mo muna mag Secured Credit card. RCBC offers the lowest minimum dep for 5K tapos 100% credit limit yon. Use the card for 6 months, make sure to pay on time, then apply ka ng regular CC for sure ma-approve ka na.

[alice_alice]

^i will apply sis. thanks sa suggestion

mas maganda nga if secured card muna, nadecline kasi ako sa eastwest eh