Credit Card - Thread 2

[glacy_rein]

may dumating na bdo mastercard saken, sana yung F21 nalang. errrr try ko mag-apply padin

[Clair de Lune]

Hi. I recently got a credit card from BPI and this is my first cc ever, so pardon my ignorance, but do I still need to activate it or is it immediately ready for use?

[hun_nie08]

^ nakalagay yun sis if need pa iactivate e

[monamie02]

Hi. I recently got a credit card from BPI and this is my first cc ever, so pardon my ignorance, but do I still need to activate it or is it immediately ready for use?

sis same tayo na kakareceive ko lang din ng first ever cc (kung kelan ayaw ko na kasi may eprepaid card na kinuha sa bpi). pero ginamit ko na sya pang grocery at di naman sya kelangan iactivate. After a week naman dumating ang eastwest cc ko. ito naman kelangan pang iactivate at hanggang ngayon pinagiisipan ko pa kung iactivate ko ba sya o hindi kasi mas malaki ang credit limit ng bpi cc ko eh. At saka parang masakit sa ulo kung ang dami mong credit card na hawak.

[abbeydasassy]

if i pay may bankard cc at bdo otc, will it be credited within the day?? or next banking day pa rin??

[chubzkittinz]

^next banking day pa rin..

[Clair de Lune]

sis same tayo na kakareceive ko lang din ng first ever cc (kung kelan ayaw ko na kasi may eprepaid card na kinuha sa bpi). pero ginamit ko na sya pang grocery at di naman sya kelangan iactivate. After a week naman dumating ang eastwest cc ko. ito naman kelangan pang iactivate at hanggang ngayon pinagiisipan ko pa kung iactivate ko ba sya o hindi kasi mas malaki ang credit limit ng bpi cc ko eh. At saka parang masakit sa ulo kung ang dami mong credit card na hawak.

thanks sis! just making sure dahil baka gamitin ko na tapos biglang mag decline, nakakahiya. lol.

[m_lim]

anong card pa ba ang walang annual fee?

[florencia]

Hi mga sis, I went to BDO recently and they told me they'd endorse me for a credit card. However, kailangan ko daw ng landline. Kaso wala naman akong landline at home. Lahat ba kayo hiningian ng landline? Hehe

[mikaela325]

Thanks sis @chicafabulosa for the reply.

I will cut my bdo mastercard na kasi i want the gold one. Metrobank cc pa cut ko na din. Hsbc retain ko na lang kasi yun yung pinaka una kong cc. Pinadala lang di naman ako nag apply. Pare pareho pala silang lahat na pinadala lang. Hirap pag marami card. Di ko namamaximize yung points and promos.

[froufrou]

^ 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.

Same here. I applied to 2 cc companies and stated in the application form that i was renting and i got approved pareho. I have worked in the cc industry for many years and i have not heard of the "rented" or "owned" part being an issue in the application process. Just saying. Fyi lang din sa mga nagbabalak mag apply. Peace.

[little_princess]

Is there a credit card that has dual currency specifically GBP and pesos? I have a USD/Peso account but I used GBP more.

[nicola_juliano]

Tsss...k.... Saan kayo nakakita ng banko na mas nauna pa ang billing kasya sa Credit card mismo! lol. BPI lang! Nakakatawa!!! I'm surprised na may dumating at kumakatok. Wui, BPI! Sabi ko, at last, after a month andito na BPI ko. But when I checked it, bill pala ang laman ng envelope! Natawa nga ako e, kasi nauna pa bill kaysa sa mismong card ko.

I've asked BPI yesterday, nasa kanila pa din yung card ko. Hahaha! Musta naman yun? :-D

I agree na mahirap magmaintain ng maraming cards, hindi mo mamaximize yung advantage mo for these cards. I think it's enough na ang 2. Para if in case di maganda yung offer/freebie ng isa, dun ka sa isa. :-)

[shinta]

^sis, pano ka nagkaroon ng bill if wala pa sayo yung card?

ako din hanggang 2 na lang mina-maintain kong cards. mahirap din pag madami. i have 3 actually, pero yung bpi, extension ko si hubby. siya lang ang gumagamit ng bpi lagi. ako naman, i alternate between standard chartered and citibank para di sabay-sabay ang bayaran. sc's due date is every 30th, yung citi naman is every 15th.

naiinis lang ako kasi akala ko pag may cebu pacific citibank, they will send promo notifications thru text, 2 hours before. ang dami ng dumaan na promo, wala man lang akong natanggap na text.

[chicafabulosa]

Ako rin I only maintain 2. And sabay ang cut off para mas madali ko sya matandaan hehe... 

Naku weird naman nasa kanila yung card pero may bill ka na... Paano daw nangyayari yun?

[pau_weee_25]

Anyone has Citibank cc? Okay naman ba promos and offers? Waived parin ba every year ang annual fee? Thanksss! 

[toinkz]

same thing happened to me sa bpi since magkaiba nman courier ng bills from snail mail at card from lbc etc.nwei wala naman charges reflected on the soa.

[nicola_juliano]

same thing happened to me sa bpi since magkaiba nman courier ng bills from snail mail at card from lbc etc.nwei wala naman charges reflected on the soa.

Nakuha mo na sis?

[bratty]

Mga sis, pwede ba magbayad ng utility bills using cc? How do you do it online? Nagbayad kasi ako ng electricity bill using online banking pero nacharge sya sa savings account ko, so automatically debited. Gusto ko sana sa cc sya ma-charge. Also, pano ba magrequest na i-adjust ang credit limit without sending any documents like payslip or letter of request, ang hassle kasi OFW ako, di naman pwede na via email, pag naman via post, baka 10yrs pa dumating, or di na dumating. hehe!

Thank you mga sis.

[smoothie]

^usually sa Metrobank automatic. But sa BPI ni-require nila ako. As for Auto-debit. Convenient siya kaso sis, hassle siya pa putol. Minsan hindi mo na gamit yung or pinaputol mo na, china-charge ka parin.