all about credit cards-thread 4

[ferrerorocher]

Someone from BPI called me and I was offered a pre-approved card with waived annual fee for lifetime. Anyone here who was offered the same with BPI? May I know what type of card will they give me? I forgot to ask if its possible to get the Amore Card. Thanks!

[missreese]

in terms of perks, freebies, rebates.. anong CC yung maganda?

Gusto ko kasi kumuha ng SCC, since same lang naman sila ng regular CC. Gusto ko malaman ano kaya magandang CC kunin?

[_AiaH_]

^ depends on your lifestyle sis. I prefer Citi Shell since pinakamalaking gastos ko talaga everyday is gas. so there, i get rebates.

there are a lot of CCs out there that offers different perks. in terms of customer service, citi/hsbc/bpi ang alam ko maraming good reviews.

[Bernice...]

Pwede ba kuhanan ng supplementary kahit hindi kayo magkamaganak?

[cody23]

^ nowadays many banks allow you to request for supplementary cards even for non relatives.

[Issabella]

^^yes, pwede. kase my then-fiance-now-hubby got me one sa bpi at 10 yrs ago pa yun.

[hottieangel30]

Kanina I got a letter from Bankard, asking for a copy of my ITR para daw ma-process yung application ko. Ang weird lang kasi hindi naman ako nag-apply ng credit card sa kanila. Basta yun lang hinihingi nila, as in walang required na payslip, COE, etc.

Ang prob ko lang is full-time home-based employee ako, so pano kaya ako makakakuha ng ITR? I used to work before kaya for sure meron akong TIN number (na hindi ko naman alam), kaso outdated na yun kasi more than 4 years na akong sa house nagwo-work.

TIA sa mga sasagot po. 

[cody23]

^does your employer deduct your salary with holding tax? Or are you a self-employed home based business? Depends on which you can check with BIR on what form you need to file your ITR. Regardless though whether office-based or home-based employee as long as your earning income it is mandatory to file annual ITR.

[babythug28]

nag apply ako sa SM this week ng citibank cc, then ngayon lang may tumawag to verify the information (details ko). pag ganun ba meaning approved na yung application mo? yung BPI and BDO ko kasi parehong preapproved lang so wala akong idea

TIA sa mga answers nyo

[tentendelight]

Hello mga sis! Pa-join.

I have a question regarding BDO JCB na CC. Pre-approved siya tapos ang credit limit is 10K lang. Super liit. Tanong ko lang kelan kaya ideal time na mag-request ng credit limit increase? Nung April 2013 lang kasi yung card so medyo bago pa lang. I'm also planning to request to change it from JCB to Visa, called their CS puwede naman daw I just have to pay 250 for visa and 400 pag mastercard. Ano kaya mas okay mag request na ako muna ng credit limit increase bago ako pa-change into Visa?

Any suggestions mga sis?

[chicafabulosa]

With BDO once you want an increase, you need submit again requirements and depende pa kung iaaprove nila

[tentendelight]

^ Ay talaga sis? Mag-susubmit pa ng requirements. 

Pre-approved na kasi yung JCB ko kaya wala akong sinubmit na requirements.

[chicafabulosa]

Yep. I have bdo pre approved rin. Kaya i dont bother asking for increase sa kanila. Im happy with my citibank, automatic increase nila. Unlike with BDO kahit anong ganda mong magbayad sa kanila, they wont increase your credit limit

[cody23]

^ there are times also that BDO do automatically increase their credit card customers' credit limit.

[tentendelight]

Yep. I have bdo pre approved rin. Kaya i dont bother asking for increase sa kanila. Im happy with my citibank, automatic increase nila. Unlike with BDO kahit anong ganda mong magbayad sa kanila, they wont increase your credit limit

Awww. Nakaka-disappoint naman.  I guess I just have to request na lang to change my JCB into Visa. May mga stores kasi that don't accept JCB.

Mag-aapply na lang ako ng CC sa ibang bank. Ask ko lang pag existing CC holder ka na and mag apply ka ng new CC mas madali na bang ma-approve as long as maganda yung record ng payment mo sa existing CC? Wala na bang hihingin na ibang requirement aside from your existing CC bill? Also, mas malaki ba ang chances ko ma-approve pag 1 year na yung existing CC ko or 6 months pa lang puwede na ako mag apply?

[babythug28]

^ in my experience sis they always ask for CC na 1 year na. sa Citibank application ko ito recently. hindi na ko hiningian ng kahit anong billing statement last week kasi makikita naman na sa record yung details about your current CC and kung on time ka magbayad. mas prefer nila yung BPI kahit lower yung limit kesa sa BDO kasi 1 year na sa kin.

what i declared: business name, address, phone number, TIN number (wala akong ID nito), photo lang ng CC and ID ko.

5 days daw darating na yung Shell Citibank and Cash Back cards. =D

[chicafabulosa]

Sis babythug sa akin lang ha, i prefer using cashback. I had my shell visa cancelled na. I enjoy the rebates I can get from cashback. Syempre libre pangshopping ko na yung rebate na makukuha ko sa kanila max of 1k a month isnt bad lalo na pag naipon for 12 months di ba. Or magagamit mo sya in case na kailanganin mo biglaan ng cash, pwede na claim yung rebates to pay my credit card bill then i can use my cash for emergency hehe

[babythug28]

sis pag ganun ba, combined CL yun? yung cash back nga din sana mas prefer ko kasi ang alam ko pwede gamitin for utility bills, tama ba?

and with the cash back sis, how do you redeem? punta ka pa sa bank nila to get the money or pwede credit sa cc mo?

[hun_nie08]

7 years na akong cc holder ng hsbc and citibank - so far ok naman ako sa kanila may east west din at bpi ako. i used it kung anong may freebies...

nung last week tinawagan ako at inofferan ako ng cash rewards at cebupac - umoo na ako since mahilig akong magbook sa cebupac. mercury kasi yung card ko sa citibank ngaun e. at least mas malaki yung sa cash rewards. and parang once pa lang ako nagbayad ng annual fee sa kanila. I guess ganun talaga pag nameet mo yung spending requirements nila.

Last year tiba tiba ako sa freebies ng citibank hehe.. naka 12 purefoods ham ako nun e. super bigat pero worth it, pinamigay ko din naman e.

[chicafabulosa]

Sis babythug alam ko yung sayo combined credit limit yan. As for paano magredeem say you think kakapusin ka for next month bills (november), you can call them and claim na. Kasi alam ko when you claim sa next billing cycle yun magrereflect. Ive been using my cashback since July, so far may 1500 something na ako na rewards. Plan ko gamitin yun this december or may para libre na halos yung shopping ko ng school supplies ng baby ko