Credit Card - Thread 2

[bratty]

I read somewhere na instead i-sign yung likod, you can write "ask for my id" ewan ko lang if they will honor it, di ko naman sinubukan yun.

[happynlove]

^ nangyari na yan sakin. I didn't prioritize signing kasi I thought maooverlook lang nila, but they gave me a pen to sign habang nasa counter

Update on my citibank app: mejo turn off lang, parang nagmamadali yung agent sa requirements ko. Tawag ng tawag maya maya. Naintindihan ko naman na baka may SLA. Kaya lang private info yung hinihingi nila. Mas nagmamadali pa sila sa nagaapply. And parang irritable pa yung agent kasi ang tagal ko magsend. Eh hindi naman madali maghanap ng scanner.

[Evolet027]

You can just take a picture of your IDs, or download ng PDF ng ibang requirements like billing statement and payslips. Mine kasi ganun lang ginawa ko, even the application form na need ng signature ko, ni fill up ko sya then signed, I took its picture using just my phone, then sent it right away.

[happynlove]

^ downloaded pdfs din yung sakin and I just took a picture of my IDs, but with the signed app form pinascan ko talaga eh,baka kasi hindi iaccept yung picture lang due to img format. Dapat pala ganun nalang ginawa ko hehe
Hay parang ayoko din ilet go si BDO. 1st cc ko kasi siya

[chubzkittinz]

Tried citibank online. tinawagan ako 2 times then a text message says Im approved na and expect the card in 5 days. roughly a week din siguro yung process.

[enchoi]

I had a bad exprerience before with HSBC.  They called me up and offered cc.  Medyo they caught me in a good mood and I gave in kasi all I need to do na lang is to provide them a copy of my other cc bill and one govt issued ID na SSS ID ang binigay ko.  And then di naman dumating yung card.  Nakalimutan ko na nga e.  And then after a few months, I already received an SMS of my CC bill.  Zero balance naman pero nagulat ako kasi di ko naman nareceive yung actual card.

I called their customer service.  Na-trace na naka-twice palang nag-attempt yung courier to deliver it kaya lang walang tao sa house.  So I asked them what will happen since di ko naman nareceive.  They are requesting again for some requirements like ID.  Sinend ko uli yung SSS ID ko.  Di daw pwede yun since wala daw nakalagay dun address.  Bwisit na bwisit ako.  Bakit nung pinrocess yung application ko pwede yung card, ngayon di na pwede.

Sabi ko I won't be providing you anymore requirements.  Di na ako interested and take note that I didn;t receive your credit card.  If there would be any charges thru it, di ko yun babayaran and wala akong pakialam dun.

Never heard from them again.   

[sachism]

^ that's frustrating. Ayaw ko din yang ganyan.

So far sa BPI and HSBC sa experience ko, OK for them to leave sa guard kapag walang tao sa amin.

[j.adore]

I watched one episode of Pesos and Sense, sabi you can call the credit card company for help on payment of debts. They can lower the interest rate then give you a monthly "amortization".

[ig0rota]

^Pwedeng bang hindi mo isign tapos pag gagamitin mo ID nalang? or talagang dapat isign yun?

ako what I did was write "ask for ID" in the signature lane. hehe. so far, super konti lang ang mga humihingi ng ID pag sa Pinas ko ginamit yung card.

[abbeydasassy]

so much to pay for my cards from recent purchases for our house interiors. we just moved in to our new house so kinailangan. sana matapos ko na agad sila ipay. hirap pag may iniisip na binabayaran sa CC

[czarina1987]

i just want to share, i have been a bdo and citibank cardholder for quite some time now, and let me tell you, citibank is way way better compare to bdo in all aspect

[Evolet027]

Tumawag saken HCBC kahapon, kaya lang dahil mahina signal dito sa workstation ko naputol. Di na ulit tumawag.

Might try citibank then.

[happynlove]

yung citibank lagi kong namimiss yung calls so nagemail nalang ako na iemail ako kung may kailangan pang requirements from me. bakit ganun mga sis, bakit hindi nalang magemail yung agent ng reason kung bakit siya tumatawag? ganun ba talaga sila? Or kahit sms?

[Evolet027]

Denied ako both HSBC and Citibank. wala pa kasi 1 yr yung existing CC ko.

:/

[Maxim04]

BDO credit card holder ako since 2007. So far ok naman ang service. At eto ang nakakatawa. Lately ko lang nalaman na pwde pala ipa waive ang annual fee! OMG!!!! Sana dati pa ito nakarating sa akin! Ahahahaha.

Anyways, a year ago, they gave me AMEX card for free. Siguro kakarequest ko ng increase sa limit. 

[blackgreen]

^sis yun bdo and amex ko same ng credit limit, hati sila. Ganun Ba talaga practice ng mga CC companies? Sa fiance ko yun citibank visa and mastercard hati din.

[sachism]

I think so. Sa BPI din kasi if you have a mastercard and a petron card hati din ang CL

[nikki]

Yep, same with my BPI skymiles MasterCard and amore visa. They share the same CL.

[blackgreen]

Oohh.. So ganun talaga. Thanks sis sachism and nikki.

[j.adore]

Next thread before this gets locked http://www.femalenetwork.com/girltalk/index.php/topic,288609.0.html