Credit Card - Thread 2

[cody23]

^ not sure if they have spending limit, there are times for a year i wasn't able to use the bpi cc, but still was able to ask for annual fee waiver.

[zarilei]

Newbie here..
Good day guys, share ko lang po, last October 3, may tumawag sakin from BPI daw, and she was telling me that I am entitled to have BPI Blue Master Credit Card, and askng me if I want to accept the offer, then I said Yes! (If ever this is my very first cc in my whole life ever!Matagal ko na pong winiwish magkacredit card kaso wala akong kahit isang docs na ipapasa since alotee lang naman ako,I am receiving remittance from abroad yun lang period and laging simot ang account ko sa BPI kasi sa BDO po talaga ang savings namin.pang remitance lang ang BPI acct ko.) then the caller asked some questions regarding to my personal infos. Tapos I asked magkano credit limit nun, and she said P40000. And kunwari wala lang sakin,pero sa loob loob ko grabe prang jackpot ako,sobrang lucky! Then free nga daw ang annual fee ko for first year. And expect daw ako na idedeliver ang CC ko after 15 to 20 business days and she gave me reference number pag magpa follow up daw ako.. Sana nga true ito...

Question, sa lahat po ba ng pre approved cc, right after ng call, mga ilang days po ba dumating ang CC nyo? Sobrang excited ako baka 1 week lang dumating na, hahaha! Ang saya lang!

[cody23]

^ it depends, generally there are 2 types of "pre approved" credit cards, in your case they might or might not still subject it to some credit checking, should everything goes well typically 10 to 15 working days, although it can be longer or can also be shorter. Best since you were given a reference number you can call their hotline to follow-up regarding your application.

[friendlyneighbor]

^^ good for you sis. I would suggest na I pa bank pick up mo nalang. Mine kasi, di talaga sya dumating sa bahay, the cs told me na di daw mahanap yung bahay namin which is odd kasi nakakuha na ako ng statement of account from bpi cc pero wala pa yung cc sa akin. It took me a month before ko na kuha ang card. Kung bank pick up, 3 days daw yung delivery nila then call mo yung bpi branch, if avail na, pwede mo na syang puntahan sa branch.

[zarilei]

@friendlyneighbor
Sis, pre approved ka din ba? Mga ilang days bago mo nakita online yung credit card account mo sa bpiexpressonline mo? And saan ka nagpa follow up?

Ayoko kasi ng follow up call kasi walang telephone dito sa baryo namin,and may charge naman kung call ako via cellphone.

Baka pwede email lang ang pagpa follow up?

And medyo takot ako magfollow up baka mamaya hanapan naman ako ng hehe... Talagang wala akong ipapasa,baka di pa matuloy ang pre approved cc ko if ever, and gagawin ko yang suggestion mo na ipa bank pick up ko na lang. Siguro once makita ko na online na meron na yung credit card,dun na lang siguro ako magsa suggest for branch pick up, baka mamaya masyadong maaga ang pagfollow up ko,makita pa na wala naman laman savings account ko sa kanila at di na matuloy ang pre hehe.. Sensya na ha, newbie kasi ako sa cc,medyo OA ang pagka excited ko

[friendlyneighbor]

^hi sis, pre approved din ako sis. I got my blue mastercard from opening an investment account. Wait mo nalang sis, Updated naman sila maglagay ng cc info sa online account.

[sushiandshoes]

Puro bpi kayo lahat ah! Ako naman hindi ko maintindihan if approved ako sa BPI. I applied for an AMORE Ayala Visa Card! Nagpadala ang BPI kasi ng letter stating that I'm entitled to have an Express Start Program something for me to have a credit card. So I asked BPI regarding this, tinawag ko, they said na I need to apply for the program para magkaroon ng credit card. Parang opening a savings account, dapat mag deposit ako ng atleast 10k, tas yung 80% non, yun yung credit limit ko for credit card.

Bakit ganon! Bakit kailangan pang mag open ng BPI Express Start para sa credit card?

[friendlyneighbor]

I think that is secured credit card if im not mistaken sis.

[bratinella08]

^yes sis, that's secured cc

[thess]

Grabe nakakatakot naman yan kung taga bank pa mismo gagawa niyan.

As for paypal, I had my CC removed from it na,  mahirap na ma hack.

@ sis thess, mabuti bumawi ang metrobank when I requested balance transfer. Sabi 5 to 7 days processing then another 3 days to process the payment to the other bank. Pero after 4 days lang when I checked yong HSBC ko, na transfer na yong balance.

ako din sis tinanggal ko na rin para safe, wait ko na lang sis matapos staggard payment ko tas papa cut ko na rin yung sa akin (extension lang naman ako ni hubby). Na approve na rin kasi kami sa BPI yung sa promo nila na free membership fee for life, syang nga since 2006 pa kami sa Metrobank at good ang standing namin dun as in no late payment eversince kaso ganun naman CS nila.

[zarilei]

Guys, sino na po naka try ng bpi credit to cash? Madali lang ba talaga ang processing? And kung halimbawa 40k CL ko, buo ko bang makukuha yun o may mga charges pa like processing fee of kung ano ano pang kaltas sa CL ko na iconvert to cash? Pakwento naman ng experience nyo? TIA

[cody23]

^ i have availed of it years back and mabilis lang siya, the following day naka credit na sa bank account yung amount. Hindi ko lang sure about the limit if pwede the whole card limit.

[zarilei]

@cody23
Hello, thanks sa reply... I mean kung 40k ang icredit to cash ko, buong 40k din ba ang makukuha kong cash? Or baka mga 38k na lang kasi baka may mga charges of processing fees pa na ikakaltas pa sa ike credit to cash ko?

[cody23]

^ hindi mo makukuha ng buo yung 40k, since 40k yung credit limit need mo rin i add pa yung interest and if ever may processing fee. Normally i inform ka nila anong maximum amount pwedeng i credit to cash and papakita sayo yung computation before processing it.

[sushiandshoes]

I think that is secured credit card if im not mistaken sis.

Ahhh! Kaya pala haha. Siguro they wanted to reassure na maaafford kong bayaran yung debt ko once na magkaroon ako ng credit card nila!

[friendlyneighbor]

^That's another way to build your credit history sis. After one year, pwede ka na makapag apply ng regular cc as long na maganda ang record mo.

Sis Zarilei. For that Credit Limit sis, baka maximum of 15k lang ang pwede mo ma credit to cash at kailangan mo pang pumunta sa branch to apply. For cash advance naman, you will be notified kung magkano pwede mong I cash advance.

[sushiandshoes]

^That's another way to build your credit history sis. After one year, pwede ka na makapag apply ng regular cc as long na maganda ang record mo.

Sis Zarilei. For that Credit Limit sis, baka maximum of 15k lang ang pwede mo ma credit to cash at kailangan mo pang pumunta sa branch to apply. For cash advance naman, you will be notified kung magkano pwede mong I cash advance.

Ahh! Ok okay! Now I know na! Sige mag avail nalang ako ng Express Start para may credit card na ako sa BPI!

[smilingsoulmate]

Hi! I've been working in a bpo company for 1 year now and it's my 1st job. I would like to apply na sana for a cc. What bank do i have the best chance na makakuha? I heard kasi na mas strict ang banks pag bpo employee? Tia!

[friendlyneighbor]

^I was working in bpo before, our payroll is with Bpi, I heard na kusa silang nagbibigay ng pre approved cc if may save up account at malaki ang laman nito. Ano yung payroll bank nyo sis?

It's easier sis kung makahanap ka ng agent na magfifile ng application mo. Mostly kasi na approved  cc sa bpo ay may matataas na position. Medyo na bad record na kasi yung mga call center agents. Tapos naging damayan na.. lam mo na.

[smilingsoulmate]

^Bpi din sis. Thanks for responding. Siguro nga will wait na lang. Though, i'm not in voice naman. Back office ako. Sayang nga lang na naging ganun yung tingin nila sa mga bpo employees.