all about credit cards-thread 4

[ikaela]

Thank you for the info, ladies. RCBC also sends text messages and e-mail alerts, but only selectively.

This is one reason why I'm hesitant to get a card from BPI -- they're my home bank, but the feedback on calling their hotline is horrendous.

I will try your recommendations. Thanks!

[chicafabulosa]

^^Did you manually activate the feature via their website? I didn't use to get the alerts but after manually activating it by inputting my cell number I get the alerts na. Galing nga kasi anywhere I'm at I get alerts just seconds after my card/s get charged. Magastos lang because I have to be on roaming (when outside of the country) to get the alerts. But better this way at least kampante ako.

Yes sis I did sa site nila. Their reps nga even checked it and cant explain why I cant receive any text messages for every purchases i made. I even set it to the lowest amount so I can receive a text message even PHP100 lang ang iswipe.

[ryohsse]

Hi! I am new to credit cards. I just got my BPI cc last week and I'm thinking na i-enroll nalang  ang bills. Kapag chinarge ko yung bills sa cc, wala bang addtl charge? Like interests on top of my bill amount? Kunwari

5k for Meralco
2k for Broadband
Total Amount ko na mabibill sa CC is 7k flat right? Thanks! 😊

[mama squeak!]

^no additional charges.

^^that's strange bakit kaya? Sayang naman you can't use the feature.

[chicafabulosa]

^^that's strange bakit kaya? Sayang naman you can't use the feature.

Yeah they cant even explain why. Haiz. So if I travel I just inform them that i will travelling on this date up to this date. hassle rin coz I have to call them every after travel to check if walang double swipes.

[Evolet027]

Hi! Ask ko lang , may charge ba kung halimbawa nag installment ako for 3 mos, 0% interest sya, tapos sa 1st month binayaran ko yung para sa 1st month, then sa 2nd month, ni full payment ko. Pano sya mag rereflect sa bill ko??

Babalik na ba ulit yung credit limit ko or parang may pondo lang ako na naka bill pa rin yung para sa 2nd month and 3rd month??

[j.adore]

Finally on PC and found it na.. All banks can upgrade or downgrade at limit at their discretion and can withhold reason for doing so.

[jenny_syngkit]

^^lalabas lang siya as overpayment. yung monthly installments mo would still be billed as scheduled.

Some credit cards nilalagay nila sa bill that you have an overpayment (negative yung amount due mo). Some credit cards na madaya (like Metrobank) hindi nilalagay yung amount ng overpayment. Lalabas lang sa bill that you have zero amount due.

[jmag06]

Saan pinakamabilis na maapproved na credit card?

[Evolet027]

Thanks sis jenny_syngkit!

@ sis jmag06, Yung cc ko, BPI, kusa nila pinadala saken, may pinirmahan lang akong form tapos ni fax ko, in a week andito na saken. I guess pag matagal ka na client, kahit di ka apply sila na mismo ang mag aalok sayo. OR register ka ng savings account sa kanila or kahit anung account, saka ka apply ng CC, mataas chance ma approve sa ganun.

[charmed_gal]

^^ yep un BDO ko din na CC monthly na ang fee nya kaya naghanap ako ng iba cc

sa grocery may nag alok saken ng citibank, fill up naman ako , aun napadala na
citibank cash reward yata un card ko, na stress naman ako sa annual fee! ang lake gusto ko na ibalik itatawag ko nga sa citibank at gusto ko na isoli.

mas gusto ko na monthly fee na di ganun kabigat sa bdo.

[jmag06]

^^ thank you sis Evolet027 try ko nga sa bpi hehe

[PrincessC]

diniscontinue na ba ng citibank ang rustan's card nila? wala na sa website nila e.

[samtorini]

^I still have my Rustan's card sis. Wala naman sila notification sa akin about this card.

Nagavail din ako ng call for cash ng citibank 220K credit limit ko, 198K na-loan ko.

Same with BPI nag avail din ako, 350K loan, payable for 1 year

Between the 2, I prefer BPI. Mas convenient maybayad (Y)

[PrincessC]

^ actually, active pa naman ang rustan's card ko. kaya lang kasi, mag-e-expire na. iniisip ko lang if macocontinue pa sya since wala na sa website nila.

[missreese]

Thanks sis jenny_syngkit!

@ sis jmag06, Yung cc ko, BPI, kusa nila pinadala saken, may pinirmahan lang akong form tapos ni fax ko, in a week andito na saken. I guess pag matagal ka na client, kahit di ka apply sila na mismo ang mag aalok sayo. OR register ka ng savings account sa kanila or kahit anung account, saka ka apply ng CC, mataas chance ma approve sa ganun.

ganito din saken.. tumawag lang if gusto ko ng CC since loyal customer daw nila ako.. kahit may delinquent account ako sa BDO nagbigay pa din sila saken.

[ayi21]

^same here. BPI send us a preapproved CC kahit may deliquent accnt din kami sa BDO. Hehe.

[lakwatsa]

^sis wala na nga yun Rustans card ng citibank. kapag nag expire yun card mo, ewan kung Rustans pa rin iissue nila or kung ibang card type na.

Parang yun cebu pacific card lang yun e. Nag expire din yun card ko pero dahil di ko na sya nagagamit for 2years na kahit waived annual fee pa, di na sila nag issue ng replacement hehe.

Tapos may 2 cards pa rin ako sa kanila na di ko rin nagagamit for 2 years na rin. May letter ako nareceive na either pili daw ako ng new card type since mukhang di na pasok sa needs ko yun 2 cards ko or if gusto ko daw ikeep pa rin e magspend lang daw ako until end Jul.

Di ko pa rin nagamit so ewan kung ano na status nun 2 cards ko baka deactivated na hehe.

Sayang lang citibank ang first ever cc ko. May sentimental value kuno hehe. Kaso kasi di ko bet mga promos nila kaya di ko nagagamit.

[ohcmon]

Sisses how do I apply for a Citibank CC? I've always relied on debit cards pero gusto ko na rin mag CC kasi sayang installment promos while shopping lol. Wala akong bank account with BDO and BPI.

[px17]

^try mo mag-apply yung mga nasa mall. Kahapon may nag alok saking citibank sa snr. Kaso may bdo cc pa ako kaya sabi ko hindi ko pa kailangan at student lang ako. Kaya nilayasana ko ni ate. haha