all about credit cards-thread 5

[eve66]

Mga sis, I need your advice.

Nagtext ang BDO na approved daw ako for Amex blue, even if I never applied.

Tapos nung idedeliver na, sa old address ko dinala, kasi hindi ko pa sila na-update sa new address ko.

Anyway, hinarang ng guard yung courier, so return to sender ang nangyari. I called BDO hotline to change my address on record.

May naka-experience na ng ganito? How long bago dadating yung card?

Anxious lang kasi first ever CC ko to, and masaya ako na 90K ang credit limit agad.

[px17]

Hi Sis. Tanong ko lang kung na-approve ka sa Robinsons DOS? Online application ako May 5, tapos today sila tumawag for CI. I just want to compare lang kung gano katagal if approved. Thanks!

Hi sis. Rob DOS never called me.   yung friend ko natawagan pero wala na nagyare.

[nataliaesperon2000]

Kailangan pa po ba itawag sa hotline kung pupunta lang po ng 3 days sa hk baka kasi gamitin ko salamat po sa pagsagot shopmore mastercard lang po ang gamit

[Evolet027]

^ there's nothing wrong if itawag mo. Mas ok pa nga yun.

When I travelled to Korea, lahat ng cards ko itinawag ko na at these dates, Im out of the country so expect na magkakaron ako ng purchases outside PH.

2 weeks after I arrived here, na hack yung citibank card ko, so ang bilis ko lang din na pa rollback ( tama ba term? ) yung purchases since alam nila wala na ko sa Korea so hindi saken yung purchases na pumasok sa account ko.

[Evolet027]

Mga sis, I need your advice.

Nagtext ang BDO na approved daw ako for Amex blue, even if I never applied.

Tapos nung idedeliver na, sa old address ko dinala, kasi hindi ko pa sila na-update sa new address ko.

Anyway, hinarang ng guard yung courier, so return to sender ang nangyari. I called BDO hotline to change my address on record.

May naka-experience na ng ganito? How long bago dadating yung card?

Anxious lang kasi first ever CC ko to, and masaya ako na 90K ang credit limit agad.

Madedeliver sayo yun if nabigay mo na tamang address. Itawag mo na lang ulit sa BDO yung status ng card mo. Idedeliver nila yun sayo since approved ka na and sympre kikita sila sayo. 😁

[mysterioza_me]

Nagtext ang BDO na approved daw ako for Amex blue, even if I never applied.

May naka-experience na ng ganito? How long bago dadating yung card?

Anxious lang kasi first ever CC ko to, and masaya ako na 90K ang credit limit agad.

Baka you have an existing account with bdo kaya naapproved ka agad maski di ka nag-apply. Ganyan din nangyari sa akin kasi pero ako naman tinawagan nila and sabi approved na ako agad for cc tapos nagverify lang sila ng info ko. Return to sender din yung sa akin, unlocated daw address ko kaya pina-LBC na nila. Nareceived ko after about 3 business days. Sabi ng rep sa kin normally daw 5-7 business days yun.

[nataliaesperon2000]

^ there's nothing wrong if itawag mo. Mas ok pa nga yun.

When I travelled to Korea, lahat ng cards ko itinawag ko na at these dates, Im out of the country so expect na magkakaron ako ng purchases outside PH.

2 weeks after I arrived here, na hack yung citibank card ko, so ang bilis ko lang din na pa rollback ( tama ba term? ) yung purchases since alam nila wala na ko sa Korea so hindi saken yung purchases na pumasok sa account ko.

thank you sis

[baby_chichay]

^travel tags are not necessary but more of a convenience. your bank will immediately assume that there might be fraudulent transactions if you use your card overseas so they will most likely block it. it's best to inform them.

my BDO card got blocked in HK, the charge was almost 100k pesos though. kahit may travel tag. called them immediately and they confirmed the travel tag is still active but the system automatically blocked the transaction kasi malaki siguro daw ang amount. my Citi card worked fine naman buti nalang. also with travel tag.

the next day, i used my BDO card at SASA, worked fine. although just a small charge, nasa 8k or so lang. so, i learned na they will really block your card at the slightest duda.

On a side note, my friend got declined sa Robinsons Bank. May bad credit history sya though.

[Ma.Jewel_1987]

Nagpawaive ako ng annual fee for my CITIBANK cc, nagchat lang ako ang bilis nila kausap, I love them na

[barbillie]

BDO CC -- my husband is a gold card holder. Okay naman yung experience nya. Nawawaive ang annual fee.

BPI CC - I am a gold card holder. If I reach a certain spending amount, nakakapagrequest ako to waive annual fee. Madami din promotions and because of this card, I got to have a 3 yrs multiple entry to Korea.

Citi Rewards - Okay ang experience ko dito, so many perks. Mabilis magrequest ng annual fee waiver. Tapos twice na ko pinadalhan ng e-gift. the first one was worth 3500 which I used to buy a Sperry shoes. the second one was worth 4000 which I used to buy in digital walker.

I switched to Citi Premiermiles kasi mas target ko yung non-expriring miles. Ang bilis ko makaipon, so I'm hoping maging enough for a plane ticket abroad.

[mysterioza_me]

^Sis how much annual spending ninyo using your bdo gold cc? Parang may minimum spending amount ata para mapa-waive ang annual fee di ba?

[barbillie]

^Sis how much annual spending ninyo using your bdo gold cc? Parang may minimum spending amount ata para mapa-waive ang annual fee di ba?

Sis, di nga masyado ginagamit ng husband ko yun kasi lahat ng credit card purchases nasakin.

In any case, this year, sinabihan lang sya to spend at least 4k tapos iwawaive nila annual fee. Yung annual spending nya is nasa 10k lang.

Yung BPI ko, more than 150k spending, tapos no issues na pag nagrequest ako iwaive yun annual fee. 2 years ago nung di ko masyado ginagamit, 50% lang ang winaive sa annual fee ko.

Si Citi din ganon, nasa 100k-150k siguro. Wala din ako problems sa pagrequest ng annual fee.

[mysterioza_me]

^Thanks sis kaya naman pala kung 4k lang ang need ipurchase para ma-waive ang fee (sana di mabago). Di kasi ako mahilig gumamit ng cc. Sa BPI last year nag-ask din ako atleast 30k annual spending daw para iwaive nila. Sa inyo pala pasok na pasok ang 150k spending ninyo para iwaive ng Bpi ang annual fee.

[weng.totz]

Nagpawaive ako ng annual fee for my CITIBANK cc, nagchat lang ako ang bilis nila kausap, I love them na

may I ask sis what kind of CITI card do you have? I am planning to get their rebates card kaso I was torn baka mahirap magpawaive ng Annual kasi I'm going to work overseas na. I don't know if they have a toll free #. Medyo noob pa. tnx.

[Ma.Jewel_1987]

^I have the blue one, citi rewards platinum not really sure how it is called  annual fee is 2500.

[alice_alice]

It seems I always get declined when I apply for a credit card. Could it be because I wasn't able to pay my postpaid plans and eventually nacut off na siya. It's been years na din kasi.

[vanity fair]

^ Yes that's the reason.  Credit card companies & banks have a database where they can check people who have unpaid debts.  It affects your credit history.  Better settle that with the tech company no matter how small.

[ayami]

^I have the blue one, citi rewards platinum not really sure how it is called  annual fee is 2500.

Free for life na kasi usually inooffer yan sis. That's the Citi Rewards Card.

[Ma.Jewel_1987]

nakita ko nga one time na free for life yung annual fee nila but I don't think laging ganun, oh well I'll just chat them na lang every year

[emx]

Hi mga sis.pasensya na no experience pa sa credit card.kakaapproved lang ng cc ko sa security bank.gusto ko na siya gamitin.magkano ang charge sakin?for example bumili ako ng worth 15,000.next month ba,ang dapat ko bayaran is 15,000 + 3.5% = 15,525? Btw, ang bilis lang na approve nung akin.nakakatuwa😀