Credit Card 101

• roceanoz on 17 Dec 18 @ 11:02 AM #

  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?

• lxi97 on 17 Dec 18 @ 12:57 PM #

  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.

• benchout on 17 Dec 18 @ 03:04 PM #

  hahaha BPI vs Me. i won sa court :)

• chanin on 17 Dec 18 @ 03:23 PM #

  hahaha BPI vs Me. i won sa court :)

  
  
  wooooaa... kamusta?

• milesdsc on 17 Dec 18 @ 03:40 PM #

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

• AnonymousX on 17 Dec 18 @ 04:07 PM #

  
  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.

• Valorian on 17 Dec 18 @ 04:57 PM #

  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

• lyfbhndbars on 17 Dec 18 @ 06:03 PM #

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

• AnonymousX on 18 Dec 18 @ 01:43 PM #

  
  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 :)

• lyfbhndbars on 18 Dec 18 @ 03:43 PM #

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

  
  
  Hindi pa nagpaparamdam si HSBC, baka nagbobotohan pa kung yes or no :)
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• aRTie on 18 Dec 18 @ 03:52 PM #

  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

• Eleven1019 on 18 Dec 18 @ 04:32 PM #

  Chineck nyo email nyo? Baka dun nagupdate si hsbc

• lyfbhndbars on 18 Dec 18 @ 06:10 PM #

  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

• lyfbhndbars on 18 Dec 18 @ 06:19 PM #

  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.

• horrorpopz on 18 Dec 18 @ 06:55 PM #

  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.

• xfm0 on 18 Dec 18 @ 08:59 PM #

  ^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.

• mstudmr on 18 Dec 18 @ 09:43 PM #

  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

• floriver on 19 Dec 18 @ 03:51 AM #

  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

• AnonymousX on 19 Dec 18 @ 07:07 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?

• lxi97 on 19 Dec 18 @ 07:35 AM #

  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.

• lyfbhndbars on 19 Dec 18 @ 08:47 AM #

  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.

• scandinavian_armor on 19 Dec 18 @ 11:46 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

  
  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.

• glendbest on 19 Dec 18 @ 12:26 PM #

  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.

• scandinavian_armor on 19 Dec 18 @ 01:52 PM #

  @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.^_^

• beansent on 19 Dec 18 @ 01:52 PM #

  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

• horrorpopz on 19 Dec 18 @ 04:17 PM #

  nadelay delivery ng cc ko ngayong araw with BPI. Mali daw address ko. kelan kaya maddeliver ulit yun and pwde kaya irequest na pick up nlng sa branch instead of delivery?

• sledger17 on 19 Dec 18 @ 07:47 PM #

  nadelay delivery ng cc ko ngayong araw with BPI. Mali daw address ko. kelan kaya maddeliver ulit yun and pwde kaya irequest na pick up nlng sa branch instead of delivery?

  
  
  yup pwede to

• ar1one21 on 19 Dec 18 @ 08:44 PM #

  the fact na 20k lang binigay sayo means hindi pa ganun kaganda ang financial situation mo base sa BI ni Citi
  
  wag ka magmadali pataasin ang CL niyan

  
  
  Siguro nga sir, kasi bigay ni BDO AMEX sa akin 70k CL, tapos nga medyo barat mag bigay ng CL si CITIbank 20k lang, tapos apply ulet ako HSBC free 4life Gold 42k ang binigay sa akin, problema lang kay HSBC nde pa dumadating yung PIN ko, nde ko tuloy ma enroll sa Online banking
  
  -- edited by ar1one21 on Dec 19 2018, 08:45 PM

• AnonymousX on 19 Dec 18 @ 09:40 PM #

  ask ko lang kung ilan araw usual posting time ng payment
  from metrobank debit - > Citibank..
  
  and also nakakapagtaka bakit ayaw iincorporate ni MBTC ang NFC? halos lahat ng cards nila even platinum walang NFC.