all about credit cards-thread 5

[Girltalker2]

^ they usually waive the annual fees. Huwag ka magbabayad nyan! Mani gas sila. Look for other cc na waived annual fee.

[smoothie]

10k lang ang gagastusin sis para sa free hobgkong trip?

Yes, pero tapos na promo nila. Sa HSBC yan. Cathay pa ang airline.

[NiceWife]

Hi po ask ko lang po paano po magkaroon ng credit card? thanks 

[barbillie]

1. Research potential Issuing banks where you would want to have a credit card. Consider:
1.1 Madami ba silang affiliate merchants? If it's MasterCard or Visa, most likely accepted din yan worldwide.
1.2 Madali bang magbayad, i.e. over the counter, bayad centers, online payment etc. My savings account and credit card are in one bank. So it's easy to pay monthly dues.

2. Select the type of card you would want to open.
2.1 Gagamitin mo ba for groceries, or for gas, or for travel? Banks offer a wide variety of cards that will fit your need.
2.2 Okay ba ang security? Some cards are magnetic stripe lang ang feature. Some banks are EMV (like BPI), so mas okay ang security features.

3. Prepare the documentary requirements and apply either personally or electronically. Banks usually ask for Proof of Identification, Proof of Income and Proof of Billing. So be ready with those. You'll have to fill up an application form and just submit it to the accounts officer.

Once they receive your application, they will validate your application and conduct background checks. If you pass this, your card will be delivered to you within 5-7 banking days.

[berryprincessy]

mga sis pa-help naman. ano ba mga banks ang madali magapprove ng card?? i really need one kasi. hindi kasi ako napprove sa mga inapplyan ko. i wonder why. wala naman ako history sa banks, employed and above minimum naman ako. please help. i really need one. tia!

[rasee16]

^sis may mga criteria silang tinitignan eh. Baka may first degree relative ka na may pangit na credit rating? Or baka yung expenses mo malaki kahit na above minimum yung income mo? Or baka may kapangalan ka na may pangit na credit rating. O kaya bago ka palang sa work mo? We don't really know eh. Nagcconduct kasi sila ng CI.

Try mo kumuha sa bpi. Meron silang credit card na wala ng CI na need but may deposit ka dapat.

[berryprincessy]

oo nga eh. matagal na ko sa work ko sis. kailangan ko pa naman dahil may tour kami ni husband next month. hindi kasi siya pwede magapply dahil kulang ang requirements niya.

nakita ko nga yung sa bpi sis kaso ayoko nung parang prepaid. sayang nga dati may pre-approved na cc sa eastwest hindi ko pa sinubukan.

[Madness]

Pag may checking account ka sa BPI, pwede kaya mag apply ng credit card. Sana may pre approved na sila for that. Just wondering!

[ayami]

May pre-approved ang BPI, yung husband ko nakakuha. Nakapasok pa sa free for life promo a year ago. May joint checking account kami (yung Ka-Negosyo kahit wala naman kaming biz) doon since 2012. Pero sya lang binigyan ng card haha

[barbillie]

How about HSBC? Metrobank?

My first credit card was HSBC, but I was a supplementary card holder of my dad sa BPI nya. I opened both my SA and CA in BPI, they issued me a credit card, no application needed.

Maybe you can open a credit card where your other accounts are. This will give you better scoring/credit rating and may increase your chances to be approved.

[drag0nfly]

I have BPI and Metrobank na and thinking of getting either BDO or Citibank.  Which is better?  Parang gusto ko sana Citibank dahil sa access sa airport lounge hehe.

[NiceWife]

I try to apply sa BPI kasi may promo sila last June na free annaul fee for the first year, hindi ko na inaasahan na maaapprove ako. Then, may tumawag daw sa bahay BPI humihingi ng reference para daw maprocess na yung application ko. Ask ko lang kapag ganun po ba na tumawag sila means maapprove yung CC application ko? thank you sa sasagot. 

[smoothie]

^^Ang hirap mag request ng reversal ng annual fee with Citibank. So putol na ang PremierMiles ko and Cashback ko with them.

[shinies]

Pinagawa kong gold yung BPI para mas mataas insurance kaso kahit ano pala gawin ko eh dodoble ang annual fee > isa sa current tapos isa para sa gold

Lugi!

[honeybunny]

i just got my first credit card ever. BPI Gold sya

waived ang annual fee sa first year. hindi ko pa nagamit.

sabi ng friend ko ok daw if i use it sa mga purchases ko na 3k and up

i don't know why

[missreese]

I applied for RCBC credit card and got approved. Wala kasing annual fee for life kaya nitry ko. Okay ba tong RCBC?
 

[gwyne21]

^Ok din ang RCBC though mas prefer ko yung promos ni Metrobank and BDO. Also, mas madala din kasi kami mamili sa SM malls kaya for us mas okay BDO

[Len0523]

I have HSBC Platinum, for about 3 years na ata. I never paid naman ng annual fee kase once na nagrequest naman ako to waive it mabilis naman nila inaaproved. Same goes to my Eastwest Bank din.

[smoothie]

Yes Madali lang magpa-waive sa HSBC

[NiceWife]

I applied for RCBC credit card and got approved. Wala kasing annual fee for life kaya nitry ko. Okay ba tong RCBC?

Sis paano ka nag apply sa RCBC? Ano need na requirements? I really want to have a CC kasi para dun nalang mag bayad ng mga bills.. Thanks