Credit Card - Thread 2

[missreese]

pwede kahit walang work yung iaapply na supplementary card? gusto ko sana magka supplementary card si mudra ko kaso wala syang work pero pensioner sya.

[friendlyneighbor]

^ yes sis. Sa BPI, valid ID lang ang kailangan. Ganun din sa HSBC.

[donselle]

oh, i remember, may cc din pala si mudra. actually dalawa - RCBC and citibank. may supplementary card din yung sa RCBC, pinangalan nya kay pudra. if ever magpa-supplementary ako kay mudra, pwede pa ba sa RCBC or sa citibank na lang? same needs din, for travel and occasional shopping. TIA!

[traxxex21]

Ok lang ba yung mga credit card agents (citibank yata) dun sa mga malls? Na tetempt kasi ako kumuha since hindi ako nag ccredit card

[cessy_may08]

Ok lang ba yung mga credit card agents (citibank yata) dun sa mga malls? Na tetempt kasi ako kumuha since hindi ako nag ccredit card

Yep sis! Dun ako nag-apply ng citibank cc ko. Sa may trinoma. Pero prioritized yata nila yung may mga cc na sa ibang banks. Kasi nung may nakita kami ni boyfie sa SM the Block inofferan si Boyfie then nung nalaman na wala siya cc pa e kailangan daw magpasa pa ng mga requirements. pero kung may cc na siya mas mabilis lang maapproved at maprocess.

[friendlyneighbor]

^^I got my citibank cc from an agent. Tinanggap nya naman ang cc ko kahit 8 months pa lang at that time. Usually kasi atleast 1 year na dapat ang cc. Pero madali lang sya kapag may existing cc ka na..

@donselle- before applying for supplementary, check mo muna sis kung how much ba ang annual fee para sa supplementary. Like BPI, 1st supplementary is for free but for the 2nd it is P750. Then check mo rin yung total credit limit, enough ba kung paghahatian nyong tatlo? you know.. hehe

[kristinebarrios]

sa dami ng cards ko: ang nasa wallet ko na lang ay BPI at Citibank. nakatago na ang iba hehe. pero yung Mango-RCBC nalalabas ko pag Mango sale hehe. I have BDO pero never tried using it pa. Eastwest naman binayaran ko na in full then kept it na. Pangit ang freebies ni EW ngayon eh. best ang BPI kasi ang baba ng interest

[traxxex21]

Thanks mga sis, mas madali pala pag may existing na. If ever ngayon lang ako ulit kukuha ng Credit card. Napacut ko na kasi yung iba

[telekikay]

may promo bpi, not sure if still up ha. waive AF for life. but you gotta avail of some type of loan pero low int rate. i think good offer na if youre planning to pay of some cards or debts.

[artificialstar]

hi mga sis, may oustanding bance po ako around 3k sa sun cellular. makikita po ba to ng mga credit card companies when they do background check pag submit mo ng credit card application? if so, if babayaran ko po yung balance, ma-ccleared ba record ko? may idea po kayo mga sis how long magreflect na cleared na yung record ko? thanks

[babythug28]

finally nag increase ng ONTI yung citibank ko lol. kung di lang dahil sa trip namin next month ndi ako magpush for CL increase. salamat na din at meron kahit papano lol

[j.adore]

Papacut na namin lahat ng cards sa HSBC.

They send replacement cards na hindi umaabot sa amin. Courier daw ang may discretion kung kanino niya ibibigay. What?!?

They downgrade the limit kasi daw it's in the terms and conditions. Sabi eh dahil daw di nautilize yung full credit limit but it's not true kasi meron pang installments dun at ginagamit namin these past weeks.

Biglang nawawala yung mga notes sa account like authorized representatives. One moment ok ang lahat then the next parang burado na.

We're just going to finish all transactions then removing them na.

[kittycat228]

i also experienced the same with hsbc. i've waited for more than 3 months for the replacement card when my card was stolen. nauna pa yung charge for replacement fee na dumating. pina cut ko na.

[telekikay]

j.adore, thats  true. pag walang usage, bababaan ng hsbc ang limit. pero napansin ko once malapit ka na sa CL mo. automatic naman nila increase. reason im keeping hsbc is the low AF and low BT rate. meron mas mababa, pero for now ok naman hsbc.

[j.adore]

I don't mind if they did it at the time nothing was charged there (years ago). Pero yung kung kelan ginagamit mo na at may additional purchases pa, di ba dapat increase pa

Too much stress na so no more HSBC for us.

[telekikay]

j.adore,

well, dapat talaga tumaas CL mo. there has to be a credit review done once in a while to see the performance and spending habits per cardholder. kaso isipin natin na sandamukal ang cardholders plus, kelangan din tingnan kung nagbabayad sila ng ibang loans with other banks.

nakakatakot naman yan nawala mong hsbc card. madalas, si courrier, tamad. kung sino ang kumuha, ipapa receive lang. dapat check mo kung may usage na yun card para ma reverse. uso nga ngayon identity theft saka card skimming.

[omneecka]

hi mga sis, may oustanding bance po ako around 3k sa sun cellular. makikita po ba to ng mga credit card companies when they do background check pag submit mo ng credit card application? if so, if babayaran ko po yung balance, ma-ccleared ba record ko? may idea po kayo mga sis how long magreflect na cleared na yung record ko? thanks

hi sis!

much better if you'll settle your outstanding balance so that there will be no hindrance in your credit card application. na-settle mo na utang mo, na-approved pa CC mo, mas masaya di ba?

[telekikay]

^that is true. may system lahat ng banks/cc companies to check your loan status with another bank or financial institution. naka black list ka nyan.  hindi ka makakapag open ng credit card acct, bank accounts or even utilities.  kausapin mo si sun, baka may amnesty sila tulkad ng card companis or bayadan mo kamo ng hulugan para luminis record mo.

[babythug28]

^ hindi naman siguro sis. laki ng utang ng dad ko sa Globe before pero ilang CC naman naapprove sa kanya after. then nagkaron din sha ng utang sa BDO na until now hindi na binayaran (well kasalanan ng BDO in this case) naapprove naman sha sa loans, nakapangalan pa sa kanya yung recent utility bills namin (bagong kabit na cable, etc). 

pero it'll be great sis artificialstar if you can settle it para hindi ka kinakabahan

[telekikay]

^i see. baka iba system ng telco sa banks. kasi sa bank interconnected sila. may repository yun mga files kaya mahirap mag deafualt or else, made-decline mga future loan applications.  kasi when assessing ones loan application, credit (unit) will investigate right away. that is SOP.

btw, brad ako hindi sis hehe