all about credit cards-thread 5

[althea_ge]

bad service talaga yang metrobank cc, super bagal nila mag action sa naging issue ko sa rewards point ko. Last December ko nagrequest na iconvert ang points ko to SM GC and deliver sa bahay namin on 2nd week of January pero they failed to do so and the certificate just arrived last week when I already left the country. Kaya nga December pa lang tumawag na ko to give them time to process it, pero failed pa rin. So the problem now, the SM Store refused to give the SM GC kasi wala daw ako signature sa certificate even though I left authorisation letter, copy of id and metrobank cc, as well as my flight details/booking ticket, waley pa rin. Now I asked metrobank what to do with this since it's their fault cause they failed to deliver the certificate on a timely manner pero wala pa ring response. hays. I'm really gonna cut this cc  na talaga kalungkot lang cause I'm with them for 10 yrs and I never asked to waive the annual fee pero ang panget pala ng service nila. untrusted bank!

[ficklemind]

 we just got our latest Security Bank cc bill, may annual fee. Tawag kami agad para ipawaive yun or else papaclose na namin, hinde namin to masyadong gamit kaya may doubt ako na baka hinde pumayag. Madali naman kausap yung agent sa phone, hinde na kelangan mag threat lol he gave us a lot of options na lang, mostly spend an amount like this or i-convert to points that we can use, basta most of them is gagastos pa rin kame haha eh meron naman pala option para mawaive - they will stop sending hardcopy bill & just use electronic bill, siyempre yun na lang pinili namin, mas ok pa yun kasi kalat lang sa bahay yung  mga hardcopies, we can live with electronic bills. Besides, may online banking din naman to manage & monitor our cc account. 1 year pa lang ang cc namin. eh pano kaya next year ano naman pang bargain namin 

For BDO , monthly ang pagsingil nila ng annual fee, before napawaive namin yun kaso ang sabi ni agent for the succeeding months, need daw namin tumawag ulit, as in monthly daw namin itatawag para magpawaive! Nakakastress, kaya di bale na, binabayaran ko na lang.
Recently tumawag ulit kami para magpa waive, this time inoffer na nila i-return yung buong past 12 months na binayadan ko, they will credit it back na lang sa account. Eh di mas ok. They cannot do nga lang for future, so siguro after 6 months ulit tatawag na lang ako para ipasoli ulit.
 Bat hinde nila inooffer to sakin before? I've been paying for more than 5 years  annual fee sa BDO ah!

[shygirlme]

Meron bang naka BDO Installment credit card sa inyo? Ano pinagkaiba nya sa ibang credit card? May isang BDO cc kasi husband ko maliit lang credit limit kaya iniisip namin ipacut nalang yun.

[lonely_dad]

ako naman wala problem sa metrobank cc
eto pa lang ang cc na nagbigay sakin ng 7 digit credit limit
yung citibank mabagal magbigay ng increase

[shygirlme]

Ayoko lang sa Metrobank, nag advance payment ako ng 3k, chinarge ako ng Finance Fee na 2800! Ayaw nila mag advance payment no? Hassle pa tawagan.

[ayami]

Baliktad tayo-- Security Bank ako nahirapan whereas sa BDO, automatic nila winewaive once I called. Kahit walang usage yung credit card ko winaive lang nila.

[izabelle]

^ better to call the bank. When I cancelled my HSBC and RCBC card, I called the banks kahit hindi ko pa naactivate yung card just to be sure.

Baka biglang maningil ng annual fee mga yan.

[Ms. Pink1988]

Factor ba sa approval ng CC sa mga banks kapag may record ka sa mga telecommunications company like smart, globe? Like sa postpaid plans na naputol.

[barbillie]

BPI recently waived my full annual fee without needing to pay or purchase something. Maybe because of my card's usage.

[glyzza026]

I do have Eastwest and Metrobank. Between the two mas like ko ang Metrobank.

[honeybunny]

^^How did that happen sis? did you request for it? did they call you?

[glyzza026]

^sis account account holder kasi ako ng metrobank. Yung Eastwest naman dineliver lang sa office namin.

[izabelle]

^ Sis, mas ok tawagan pa din ang bank. Just to confirm din if active pa ang CC then sabay pa cancel na din.

[o9kristin]

Recently, Citibank is sending me emails and texts to remind about payment. E ang due date ng card ko is sa Mar/16 pa. Yung text nila kahapon may link pa wherein magco-commit ka ng date kung kelan ka magbabayad. Di ko na lang pinansin since matagal pa ang due date. Ganun ba talaga sila? Ayoko pa naman ng ganun, LOL

[shygirlme]

May finance charge na naman ako sa bill ko for this month. Dahil ba di ko binayaran yung FC last month?eh bakit ko babayaran sabi nung customer service rep. na kausap ko kahit di na bayaran kadi waived na nga! Nakakaloka ang Metrobank!

[blackgreen]

^^citibank ko sis wala naman ganyan.

[VShe]

We've been using BPI for the longest time, under sa account ng husband ko. We never experienced paying for annual fee. Always waived.  Madali naman sila kausap.

[hisana]

Nung sinaunang panahon pa when I was a new CC citibank holder, may notifications din ako regarding payment. May call pa nga minsan eh, LOL, kahit days before due date pa lang. But nowadays wala na. Puro promo na lang at offers, every day!

[baby_chichay]

Factor ba sa approval ng CC sa mga banks kapag may record ka sa mga telecommunications company like smart, globe? Like sa postpaid plans na naputol.

^yes. telcos and banks are connected in this loop or network of leads. as per my banker friend. so pag delinquent or bad record sa telco, theres a chance your credit standing or approval will be affected.

Citi sent me an email telling me i was qualified for another card. Bpi increased my CL. happy naman na ako with just 2 ccs now. mas madali mag manage. i use bpi for installment. citi for straight so i wont get lito. but i still want a bdo card.

metrobank i applied for one mga 3 weeks ago but i didn't hear from them yet. maybe they declined me kasi i placed "legal" and "legislative" sa nature of work ko now lol. my friend told me not to use those words kasi ayaw talaga ng banks oh well. sayang lang din kasi free af for life

[blackgreen]

^maganda bdo pag yun mga promo nila ng buffet sa mga hotels. Di ko ma let go bdo ko dahil sa mga ganyan. Hahaha..

Siguro factor nga talaga yun kasi meron ako dating globe and sun accounts na delinquent dahil yun nga nakiride hindi naman binayaran. Para malinis ko name ko ako na mismo nagbayad. After three applications finally approved na rin citibank ko.