Credit Card - Thread 2

[catherine ann]

Yung BDO nagbibigay din sila ng free for life sa AF kasi nakareceived ako ng letter galing sa BDO at sabi free for life na raw yung AF at more than 4 years na yun. Sa BPI nagpapareverse lang ako at okey naman every year din free yung AF nila.

[shinta]

BPI declined hubby's cc application, probably because of the nature of his job. Ano bang cc ang hindi mahigpit para sa mga self-employed/WAH?

[nicola_juliano]

Yung BDO nagbibigay din sila ng free for life sa AF kasi nakareceived ako ng letter galing sa BDO at sabi free for life na raw yung AF at more than 4 years na yun. Sa BPI nagpapareverse lang ako at okey naman every year din free yung AF nila.

Really? How? Pinapareverse ko lang lagi cc ko. Sana nga free for life na din saken. my bpi is free for first year lang.

[artificialstar]

Metrobank's processing is actually fast. I got my first ever credit card 2 weeks after application. It's called M Free. Eternally grateful for this as it can help me build up my credit standing. Yaaaay!

[akosila]

Metrobank's processing is actually fast. I got my first ever credit card 2 weeks after application. It's called M Free. Eternally grateful for this as it can help me build up my credit standing. Yaaaay!

saan ka nag apply sis and ano requirements? hirap makakuha ng cc pag walang existing. laging rejected

[_AiaH_]

^ hi sis, apply for a cc sa bank where you have your savings account. siguro mas madali ka maa-approve dun. mahirap talaga if wala existing cc, kasi they have no basis for review ng payment habits mo. parang mas malaking risk sa kanila. kaya maganda if you have savings account sa isang bank, sa kanila ka din apply ng CC. you can talk to the branch manager and have him/her apply for you. that's what I did nung student ako. I opened up an account sa branch, BM endorsed me to their CC department and got approved after about a few months. sa BDO yun. ngayon, i have CC from metro, citi and HSBC. all because of my good credit records sa BDO cc ko.

kwento lang, I called HSBC the other day asking for reversal ng annual fee. I have to purchase 10k within the month daw, I told the CSR I can't meet the quota kasi i'm giving birth soon and nirereserve ko HSBC kasi pinakamalaki CC limit ko with them. Unfortunately daw, yun lang available na offer. O tapos sabi ko sige, I'll cancel nalang kasi hindi ako pinahirapan ng other cards ko sa pagrerequest ko ng reversal ng annual fee eh. Ayun, nireverse agad. lol. basta promise ko i'll keep on using it. E ang laki ng purchases ko with HSBC. Hindi pa ba nila irereverse yun. Sus. In my experience, BDO pinakamadali magpa reverse.

[akosila]

^thanks sis, may savings naman ako kay BDO pero nag apply ako pero rejected parin ako

dati may HSBC kasi ako, and pinapawaive ko din yung annual fee ko for my year, tapos kailangan ko daw gumastos ng 5k. then sabi ko sige.

pero nung 3rd year, sabi nila kailangan ko na daw gumastos ng 10k ata, and sabi ko ipapa cut ko na, sabi nila ok lang daw na icut ko.

so ayun, wala na akong cc ng 3 years haha. and hindi na ako maapprove

[artificialstar]

^^^ perk dito sa company namin sis. COE and 2 valid IDs lang yung requirements. but for normal processing, eto yung reqs ng metrobank: https://www.metrobankcard.com/_pdf/document_requirements.pdf

for M Free, perpetually waived talaga yung annual fee. the catch is that walang point system.

yung advise sakin is pag nag fill out ng forms, dapat naka-fill out lahat and as much as possible complete yung requirements

yung BDO shop more CC is good daw for first timers so i think okay din yun.

[omahdarling]

Hi sissies do you know anyone who can assist in applying for cc jan sa pinas? Im working in singapore and im considering in applying for a cc jan sa pinas. Sobrang taas kasi ng min req dito sa sg for cc. Thank you

[artificialstar]

hi mga sis, question lang on settling payments. can i pay my next/future statements in advance? let's say my current statement is 100. then my next statement is 200. can i settle the 300 in one payment? tia!

[gorgeouschef]

hi mga sis, question lang on settling payments. can i pay my next/future statements in advance? let's say my current statement is 100. then my next statement is 200. can i settle the 300 in one payment? tia!

Yes sis.. you may.. I've done that many times na.. Mag rereflect siya as overpayment then maccarry over on your next statement.

[chicafabulosa]

Yes sis.. you may.. I've done that many times na.. Mag rereflect siya as overpayment then maccarry over on your next statement.

Yes you can do that. i alays pay my bulls in advance. So before pa dumating due date ko, fully pAid na ako.

[little_princess]

Which credit card has the lowest conversion rates when used abroad?

[artificialstar]

thanks sissies

[babythug28]

@little_princess - i always use BPI when we travel. some say it's the cc company with the lowest conversion rates.

[little_princess]

^ thanks! Too bad I don't have one but will try to apply for one I have BDO and Citibank

[fredprinz]

I have dealt with the customer service of HSBC, RCBC, Citibank and other companies but I like Citibank credit cards' service overall.

Plus they have a great customer portal and maayos din sila kausap pagdating sa mga clarifications, requests or promotions na meron sila.

**Always maximize the 18++ days you have to pay your bill, know where your cut-off date is and only buy what you need and not what you want. =D

[babythug28]

^ don't forget na mabilis din sila magbigay ng increase sa credit limit

[fionaapple]

**Always maximize the 18++ days you have to pay your bill, know where your cut-off date is and only buy what you need and not what you want. =D

hi bro, pano ba malalaman yung 18+++ day-period...

[fredprinz]

Hello Fiona,

Typically, credit card companies here in the Philippines give their clients around 18-20days to pay off the bill bago ka magincur ng charges.

So let's say November ngayon and ang billing period mo is every 5th of the month, pag may binili ka ng November 3rd, maisasama na sa November 5th billing statement mo 'yun. In that case, you have until Nov 25th to pay for it.

Given the same scenario mentioned, what I'll do is buy something using my credit card ng November 6th, para hindi siya maisama sa cut off ko. Kaya yung pinurchase ko ng November 6th, sa December 5th pa na billing statement lalabas at ang due date nun is December 25th. =)

Play with your cut-off dates. I have 3 credit cards from Citibank and ganun ginagawa ko. I have only been charged once for not paying the full amount and nakalimutan ko pa yun. =)

hi bro, pano ba malalaman yung 18+++ day-period...