Forum Topic

*Credit Card 101

  • base sa BI ni Citi

    Meron na ba tyong credit score? Based on all of the person's financial accounts such as savings acct, loans, TDs, CC history, etc in all his banks?
  • I think meron na. Dahil lately yung mga inapplyan kong credit cards like bdo, citi, hsbc, wala naman ako sinubmit na financial docs per naaprove naman ako sa lahat. Siguro pinagbabasehan din nila yung credit and payment history dahil never akong naka miss ng payment, maliban doon sa few cases na nakalimutan at late nakabayad.
  • hahaha BPI vs Me. i won sa court :)
  • hahaha BPI vs Me. i won sa court :)


    wooooaa... kamusta?
  • Yung application ko ng CC for OFW sa bpi 2 weeks na wala pa din.. gaano ba katagal yun normally?

  • hahaha BPI vs Me. i won sa court :)


    Fraudulent charges?

    @milesdsc
    Try mo follow up sa hotline o kaya sa BOA mo para mafollow up nila just in case.
  • Meron na ba tyong credit score? Based on all of the person's financial accounts such as savings acct, loans, TDs, CC history, etc in all his banks?


    naghihiraman na ng info ang Citi, HSBC, BDO, Metrobank, at BPI

    baka isa dyan, meron siyang account
  • Applied for HSBC Gold sa Ayala Triangle at pinili ko NAFFL with free Magnum. Lets see kung maapprove

  • Applied for HSBC Gold sa Ayala Triangle at pinili ko NAFFL with free Magnum. Lets see kung maapprove


    balita sir? 1 day lang approval pag sa ayala tri :)
  • balita sir? 1 day lang approval pag sa ayala tri :)


    Hindi pa nagpaparamdam si HSBC, baka nagbobotohan pa kung yes or no :)
  • Post deleted #12185304
  • balita sir? 1 day lang approval pag sa ayala tri :)

    ako rin sir, wala pang balita. Last Friday pa ako nag apply

    I can't think of any possible reason para hindi ako ma-approve

    unless nagtanim sila ng galit kasi pina-cut ko yung HSBC ko dati. hehehe
  • Chineck nyo email nyo? Baka dun nagupdate si hsbc
  • Chineck nyo email nyo? Baka dun nagupdate si hsbc


    Wala pa din sa email. Antay na lang. Approve o hindi ok lang, buti may pa magnum
  • Eto na kakareceive lang thru text.

    Congratulations, your HSBC Gold Visa Cash Back Credit Card has been approved. Now you can enjoy 5% cash back on dining transactions and 0.50% cash back on other spend. T&C apply. Visit www.hsbc.com.ph/cashback for details.
  • Hello, question lang po. Nagopen ako ng account with BPI with 10k maintaining balance then applied for SCC. Same po ba sya ng benefits ng Regular CC? First card holder po ako. hehe please educate me po ng mga basics, do's and donts. By the way, Petron Mastercard po kinuha ko.
  • ^Ang difference lang ng dalawa ay "secured" ang credit card mo - may collateral. Everything else is the same.
    Except sa madness limit din pala since secured card does not have it (for BPI only).
    The usual do's and don'ts ang need mo malaman, just search for it.
    But in a nutshell, do not use your credit card as an extension of your wallet. Also take advantage of its promos.
  • bdo cc. 20k limit.
    monthly fee of 125, requested to be modified to Annual which was approved.

    Now, I asked for AF Reversal. BDO Replied if I can spend at 5k until Jan 17 2019 to endorse for reversal.
    Though may bibilhin naman ako this week of more than 5k.

    Same scenario poba sa inyo?
    Thanks
  • re citibank card
    ^
    tumaas nga bigla annual nila sa akin by1000. pati ba membership natrain law?

    -- edited by floriver on Dec 19 2018, 03:52 AM

  • bdo cc. 20k limit.
    monthly fee of 125, requested to be modified to Annual which was approved.

    Now, I asked for AF Reversal. BDO Replied if I can spend at 5k until Jan 17 2019 to endorse for reversal.
    Though may bibilhin naman ako this week of more than 5k.

    Same scenario poba sa inyo?
    Thanks


    magkano annual accumulated spend mo before BDO ask you to spend 5k for AF reversal?
  • re citibank card
    ^
    tumaas nga bigla annual nila sa akin by1000. pati ba membership natrain law?

    I have never kept track of how much annual fees have changed coz it didnt matter, kasi maski 100 di ko babayaran. Just ask for cancellation kung ayaw mag waive. Dami kayang cards ngayon na free for life. Sa citibank may simplicity card, free for life.
  • I have never kept track of how much annual fees have changed coz it didnt matter, kasi maski 100 di ko babayaran. Just ask for cancellation kung ayaw mag waive. Dami kayang cards ngayon na free for life. Sa citibank may simplicity card, free for life.


    Correct. My recently approved HSBC would be my 4th card, opt for NAFFL, same goes with my citi and unionbank. Sa BPI lang ako magtatawag pag nagreflect na AF.
  • bdo cc. 20k limit.
    monthly fee of 125, requested to be modified to Annual which was approved.

    Now, I asked for AF Reversal. BDO Replied if I can spend at 5k until Jan 17 2019 to endorse for reversal.
    Though may bibilhin naman ako this week of more than 5k.

    Same scenario poba sa inyo?
    Thanks

    mababa siguro spend mo using your card^_^

    si bpi,rcbc at eastwest madalas magpagawa sakin neto kasi average of 2k per month lang purchases ko sa rcbc at eastwest. ke bpi zero(nakakumay tumawag hotline nila). kay rcbc at eastwest pumapayag ako since grocery lang kaya 5k na 1 transaction lang. ke bpi nakipagmatigasan ako(hehe). so far binigyan pa naman ako card replacement ni bpi at zero balance pa rin ako sa online banking.
  • Guys first time kong gumamit ng credit card using bpi mastercard and straight payment last dec 15, paano ko ba malalaman ung cutoff date Na dapat masettle ko ung payment bago magkainterest.
  • @glendbest
    cutoff date - petsa na kung hanggang saan kasama sa bill/babayaran ang mga transaction
    due date - petsa kung hanggang kelan pwede bayaran yung bill para hindi magka-penalty/interest.
    nakalagay yan sa papel kung saan nakadikit yung credit card.

    sample. kung cutoff date na nakalagay sa papel ay 15th of the month, lahat ng transactions(purchases) mula 16th nung previous month hanggang 15th ng current month ay kasama na mabi-bill sayo(except sa mga deferred payments,i.e due after 2 months, etc).
    kung ang due date ng bill mo at 30th of the month, meron kang hanggang 30 ngayong buwan para bayaran yung bill ng walang penalty.^_^
  • usually yun ma ganung info nasa papel na kasama nung card nung dineliver sayo. pwede ka tumawag.
    kung may online acct ka nandun din yun info