Credit Card - Thread 2

[fionaapple]

salamat!

[blackgreen]

Magmula nung current na lahat ng swipes ko sa CC, minamaximize ko na yun ganito every cut-off. Kelangan lang monitored ko cut-off and due dates. Minsan I forgot to pay on due date buti wala naging additional charge si BDO. Eastwest and HSBC ma-late ka lang 1 day may charge na agad.

[Chrischeliahxine]

Hi mga sis!

Ask ko lang kung ano yung bank na hindi mahigpit sa pag approved ng credit card? Ang bank kasi namin is chinabank dun kasi hinuhulog ng company yung payroll ng hubby ko from abroad pero wala silang credit card kaya nakakainis. We tried before sa bpi pero hinihingan nila kame ng collateral savings amounting to 20k ofw daw kasi ang hubby ko.

Ano pa bang ibang bank ang pwede mag apply na hindi mahigpit? And pwede siya sa ofw? Hindi kasi lagi available ang asawa ko since 12 days lang allowed sa kanya para sa bakasyon. Eh diba nag iinterview pa sila madalas nakaalis na si hubby pag tatawag na sila. Thanks.

[px17]

^sa case ko sis binigyan ako ng BDO ng cc dahil may savings accnt ako sakanila. kahit di naman ako nag-aapply. Pero sobrang baba lang ng CL. btw sis, student palang ako and wala naman akong work.

[fredprinz]

I suggest for you to not cancel it. Use it once in a while kasi di mo naman alam kung magkaka-emergencies eh. Just don't forget the tip I mentioned above.

Also, credit cards are vital pag nagta-travel ka (to book for flights, use it overseas etc). OK na yung mababa ang credit line para maging disciplined ka sa paggastos.

If you have questions, feel free to ask PX17. =)

^sa case ko sis binigyan ako ng BDO ng cc dahil may savings accnt ako sakanila. kahit di naman ako nag-aapply. Pero sobrang baba lang ng CL. btw sis, student palang ako and wala naman akong work.

[chicafabulosa]

Hi mga sis!

Ask ko lang kung ano yung bank na hindi mahigpit sa pag approved ng credit card?

Ano pa bang ibang bank ang pwede mag apply na hindi mahigpit? And pwede siya sa ofw?

Hi sis sa akin na experience BDO ang pinakakuripot magbigay ng increase as inpahirapan. I have been their client for long time, not even once ako nalate always advanced ako magbayad and then I got aavings din sa kanila kaso dudugo na utak mo kakausap sa representative nila for increase. They would require again for ITR etc as if you're applying for another card. Unlike with Citibank, pag maganda credit standing mo, every 6 months may increase ka ng credit limit.

Try mo sis apply ng Citibank. Mas maganda rin if you have an exisiting card mas mabilis sila magbigay ng card. If not, try mo sis. Plus mas maganda yung customer service nila. Unlike with other banks.

[little_princess]

^ hi chica! long time no see

Ako naman with BDO, it was easy to ask for an increase however I hate their CSR. It was kinda nakaka bobo. Citibank is better and always a pleasure to deal with them.

[chicafabulosa]

^ hi chica! long time no see

Ako naman with BDO, it was easy to ask for an increase however I hate their CSR. It was kinda nakaka bobo. Citibank is better and always a pleasure to deal with them.

Hey hey yeah long time.. Naku I havent got the chance to meet Jake pa while he's here super busy na kasi sa office,

Anyways. Ako pahirapan with BDO. Until now same credit line pa rin ako. Plus super hate ko kausap CSR nila. Unlike with Citi, i just have to wait every 6 mos. for my increase

[little_princess]

^I'm seeing him again tonight, we're going to GH lang if you want

BDO CSR super scripted, Citi is a bit better.

Any reviews for HSBC? Meron bang locally issued credit card na GBP/pounds currency?

[chicafabulosa]

HSBC, hmm i dont like it rin eh. Sabi ng mga friend ko malate ka lang daw ng one day on payment may penalty agad. And mahirap pakiusapan.

OT: lets see if ill be going home sa GH tonight. I was there last Wednesday night

[blackgreen]

^yup sis. HSBC tsaka Eastwest ma-late lang 1 day may charge agad, buti pa BDO wala.

[Chrischeliahxine]

Try mo sis apply ng Citibank. Mas maganda rin if you have an exisiting card mas mabilis sila magbigay ng card. If not, try mo sis. Plus mas maganda yung customer service nila. Unlike with other banks.

Tnx sis kaya lang nasa provincial area kasi ako walang citibank at hsbc dito. Nang nag apply ka ba sa bdo ilang days ang application mo? Plan ko sana i online apply na lang si hubby ko sa kanila kaya lang baka matagal naman sila magresponse makabalik nanaman siya abroad. Anong bank ba ang mabilis ang response sa mga nag apply ng cc? Badly needed talaga namin ang cc kasi nagpupunta din kame abroad pahirapan lagi pag nag book ako ng flight lagi pa ako makikiusap sa mga kakilala ko na may cc para lang maki pa book. Tnx!

[chicafabulosa]

My Bdo was pre approved. You can apply sa Citibank online. And you can pay your bill through bdo, lbc, chinabanks

[Chrischeliahxine]

Ganun ba? You mean kahit na walang citibank dito sa lugar namin pwede pa din kami mag apply sa kanila?

[chicafabulosa]

Ganun ba? You mean kahit na walang citibank dito sa lugar namin pwede pa din kami mag apply sa kanila?

Yes sis kasi you will be paying naman through their accredited banks/merchants eh

[Chrischeliahxine]

Ok sis. Thanks ha itry agad namin ng asawa ko paguwi niya.

[artificialstar]

hi mga sis, has any of you tried paying their metrobank credit card using metrobankdirect(online banking)? under special biller section, ano po itong reference number? kelangan po ba to i-fill out? tia!

[startabby]

Hi. New credit card user here. Ginamit Ko card for gadget na nakainstallment for 6 months. Worth 30k young gadget and ayun nabawas nga sya sa credit limit Ko.
Question lang Po.

Is there a way na yung installment charge magreflect monthly sa bill without affecting yung credit limit? Meaning to say Di maibabawas yung buong halaga agad agad sa credit limit?


Bpi edge Mastercard user here. Thanks Po.

[kristinebarrios]

^the total amount will automatically be deducted

[startabby]

Thanks sis
If Mabayaran Ko na agad in full kahit Di pa nabibill kahit yung for first month maibabalik ba sa dating credit limit?