Credit Card - Thread 2

[shinta]

uso na ba ngayon for banks to send 2 credit cards? i got 2 cards from citibank when i applied, pero shared credit limit. then nung isang araw may dumating na metrobank ON card, tapos ngayon naman metrobank gold.

for citi, i applied talaga kasi no annual fee for life. for metrobank, wala akong matandaan na nag-apply ako. and wala man lang tumawag sakin to confirm my personal details. nakareceive lang ako ng text saying na-approve na application ko. i thought it was an error. pero after a few days halos magkasunod dineliver yung 2 cards.

[smoothie]

uso na ba ngayon for banks to send 2 credit cards? i got 2 cards from citibank when i applied, pero shared credit limit. then nung isang araw may dumating na metrobank ON card, tapos ngayon naman metrobank gold.

for citi, i applied talaga kasi no annual fee for life. for metrobank, wala akong matandaan na nag-apply ako. and wala man lang tumawag sakin to confirm my personal details. nakareceive lang ako ng text saying na-approve na application ko. i thought it was an error. pero after a few days halos magkasunod dineliver yung 2 cards.

Sis, the other card is for your online shopping. Ngayon kasi since uso na ang online shopping ang daming cases na na-hack ang credit card info. Kaya ginawa ng mga cc companies ay magkaroon ng separate card with different details solely for online shopping.

[shinta]

^^ naku sis, inde ako big time. pero good payer i always pay in full and on time. nagulat lang ako ng magkasunod na dinilever ng 2 cards, eh di naman ako nag-apply. pero pinaalala sakin ni hubby, dati nung nag-apply ako sa bpi, yung agent also carries metrobank credit card. so baka inapply nya din ako sa metrobank? pwede ba yun without my signature? tsaka that's almost a year ago na.

i don't like having many credit cards kasi ayokong magbayad ng annual fee, kaya 2 lang yung itinira ko na may annual fee. then yung citi na wala namang annual fee.

^ thanks sis. ok sana yung concept, pero bihira din ako mag-online shopping and i usually use paypal. baka ipa-cut ko na lang both since may parehong may annual fee.

[smoothie]

^ huwag mo muna pa-cut. My suggestion is that you wait until they charge you for the annual fee then request mo na pa-reverse then pag hindi pumayag pa-cut mo.

[pretty_B]

hi sisters, help naman! need pa ba talaga ng proof of billing na nakapangalan sayo and address mo? kasi nagrerent lang ako dito sa makati. di nakapangalan sa akin yng kuryente namin. pwede bang magpa-lbc ako sa name ko? O.o

[shinta]

^ huwag mo muna pa-cut. My suggestion is that you wait until they charge you for the annual fee then request mo na pa-reverse then pag hindi pumayag pa-cut mo.

sige sis, pag-iisipan ko muna, hehe. gusto ko sana 2 lang yung card ko na may annual fee. pero tingnan natin si metrobank, baka may magandang perks.

isa din naisip kong possible reason bakit nila ako pinadalhan ng credit card, may SA pala ako sa metrobank, pero pinapagamit ko sa nanay ko. baka malaki na savings ni mother, akala tuloy ni metrobank, madami akong pera hehe.

[pretty_B]

^^naku sis, wala kasi akong postpaid plan eh. tsk. sabi ng friend ko, kahit daw to follow nalang yung proof of billing ko. hehe. and i dont intend to disclose na nagrerent lang ako. hehe.

[cody23]

^ if the question of owned or rented does not need mandatory answer, i suggest you skip or leave it blank. Putting untrue answer can be constituted as a fraud (fine print - terms and condition that you signed). Just be careful with it. I don't think putting in "rented" is that big of an impact. Through the years of the cards I had applied personally I put under my residence as rented, and all are approved without any problem. Better to be on the safe side.

[pretty_B]

^thanks sis. noted.

[cody23]

^ fraud in this case is by providing false information. Information enter during the time of submission. So if you are renting and you indicate it as owned then that is falsification of data, which in turns constitute to fraud.  It is clearly stated on the application form wherein you affix your signature that all information you enter should be accurate and true.

This is for application process, non-payment, that's a different issue.

[charmed_gal]

ang tagal ko na gusto magkaron ng credit card pero natatakot ako kase malakas ako gumastos mula pa dati....

pero ngayon feeling ko marunong na ko magbudget and may tumawag saken from bdo! pre approved daw ako! for me its a sign! kase hindi naman ako nag apply pero pre approve na DAW ako

sabi nung nakausap ko hintay lang daw ako ng 5-15 banking days and dedeliver na card ko pero lagpas one month na wala pa din...

tumatawag ako sa customer hotline ng bdo and ang tagal naman magintay wala naman sumasagot na agent...

may naka experience po ba sa inyo ng ganito? 

[cody23]

^ my original reply was to pretty_B about her asking about billing address and disclosing about if its residence is rented or owned. Never was there discussion about non-payment in the first place, hence i didn't even discuss about that in the first place and why said that was a different issue in my last reply.

I'm just telling pretty_B about the probable legal impact of it. Sure, you can put false data, and agent encourage that of course, but at the end of the day if you know putting false data and the very fact you know that it is wrong and yet do it, then that says a lot about you.

[mikaela325]

Mga sis what's the difference between BDO Gold Mastercard and BDO Gold Visa?

Called their hotljne sabi same lang daw.

[chicafabulosa]

Its almost the same, they are both mode of payment. The only difference lang is the issuing bank. Each bank kasi have different interest rate, balance rate etc. 

[pretty_B]

sis geishaslut and sis cody23, thanks sa inputs! i never intend for anything like this to happen. good vibes na po tayo! muahugsss! >:*<

para OT na: is it true na madali daw ma-approved sa hsbc? nasabi lang ng officemate ko. hihi.

[babythug28]

sis actually pansin ko madali sa HSBC, Citibank, and Metrobank kapag malapit na ang gastusan season.

- enrollment/bilihan ng school items
- ber months sale
- Christmas season

kaya nagkalat sila sa mall, sila pa mamimilit sa yo na kumuha kasi alam na magagamit mo agad. hehe

[pretty_B]

^oooh. eh sa citibank sis, totoo ba na need na daw na at least may 1 cc ka na bago maapproved? first cc ko kasi. haha. nagkalat nga kasi ang citibank eh, kaso baka hassle lang yung pagtawag tawag nila kaya nagaalangan ako magapply sa tabi tabi.

[shinta]

^ di naman kailangan sis, pero mas madali ma-approve pag may existing cc ka na. okay lang din mag-apply sa tabi-tabi. once or twice lang naman sila tatawag, to verify your information or ask for documents (like proof of income kung kinakailangan). yung 2 cc ko sa tabi-tabi lang din ako nag-apply

...hindi naman ako nag apply pero pre approve na DAW ako

may naka experience po ba sa inyo ng ganito? 

same thing happened to me, metrobank naman. may existing bank account ka ba sa bdo? that could a reason why you've been preapproved for a cc.

[babythug28]

i think sis it would help agad na maapprove kung meron ka na. may BPI na kasi ako when i got my citibank eh. chaka ask nila agad sa kin nun kung may 1 year na ba yung CC ko bago nila ako pinapirma sa form.

[pretty_B]

^^ and ^ thanks sisses. atat lang ako magkaroon ng cc. hihi. sige patulan ko na din yung nasa tabi tabi.