Forum Topic

Credit Card 101

  • aba after 5days rejected! informed via text message, nakakabadtrip
    mostly BDO kasi talaga ko nag transact, dahil andoon din savings account ko, which is ang laki ng savings ko nagtaka ko hindi na approve

    Sharing my experience with BPI when I recently requested for my AF to be waived post approval message ng agent nila, hindi daw part ng consideration yung bank account savings with them whether to write off AF or not rather the card usage itself and basis nila. Yung last approved AF ko daw is one time courtesy which might not be granted again next year should I fail to reach their CC usage requirement. Dunno if the hotline agent I talked with was just bluffing but previous years kasi I was able to use the "waived my AF or I'll pull out my savings" leverage but it just so happen I pull out most of my funds this year kaya hindi na yata compelling ganun threat hehe. One of their previous offer of the agent was 50% babayaran sa AF which might not be too bad if I'll subsequently face the same AF waiver scenario given I have no issues with BPI's services naman. The flexible CL which I can request to be increased/lowered anytime plus their recent card lock feature's what makes me think twice to threaten to have my card cut if hindi nila waive AF next time baka hindi ko mapanindigan lol
  • Yung last approved AF ko daw is one time courtesy which might not be granted again next year should I fail to reach their CC usage requirement.
    Just use your CC as a wallet, I think for BPI, you juse need to use it for 180k per year. That's just 15k/mo --- kung nag-grocery ka every 2 weeks, sobra sobra sa na sa 15k/mo yun, add mo pa yung meralco and telco subscriptions. I have BDO and Metrobank, and more than a decade ko na pina-cut yung cards ko every time na nag-papawaive ako, and hinde pa rin putol upto now. And wala naman kawalan sa akin kung putulin nila, sobrang dali mag-apply ng CC.

    Although kung hirap kayo mag-apply ng CC, and can't afford to lose your current card, just pay the AF, unless you know you used the card to the fullest. For me, kaya malakas loob ko magpawaive ng AF is more than 500k per year yung spending ko per CC (not total), so sila yung mawawalan kung putulin nila yung card, and as i've said above, madali mag-apply ng CC.
  • Nakaka WTF talaga etong Union bank. Kaka receive ko lang ng email na available na daw SOA ko sa Shell visa card e lagpas 1yr na cancelled ito sa citibank. Di pa maopen yung SOA dahil may pasaword. Nag aalala tuloy ako ngayon baka may charges at di ko malalaman. Kakakita ko lang din sa FB ko some friends na nagrarant dahil di maka connect sa customer service nila.
  • May nakaka alam ba kung paano magpa cancel sa union bank (specific email address? ) May nabasa na kasi ako na pahirapan sa hotline. I do not want to have any more relationship with this bank. Yung simplicity maski free for life ipapatanggal ko na din. Yung ganitong mga palpak na kumpanya dapat iboycot.
  • Di pa maopen yung SOA dahil may pasaword


    try mo to sir..

    using the last 4-digits of your physical card + the first 4 uppercase characters of your full name as it appears on your credit card
  • ^ i tried that using first 4 letters of my first name, ayaw. last name pala dapat. ayun nabuksan and may 71 pesos charge nga. i checked my shell citibank records and it was cancelled last 2022 with zero balance. pag di ko binayaran yang 71 pesos sa union bank mag charge ng late penalty at interest yan every month. maliit na pera lang pero masama pa din sa loob yung babayaran mo na di mo alam kung bakit ka nagka utang.
  • Di ba yan yung may mga P10M relationship clients?


    depende na lang sa bank kung ilan ang minimum in M.
  • @musicgeek
    noted sir, first time ko mag request nun increase CL ko eh
    sa iba naman wala ko problema sa CL. 500-700k ang CL ko sa ibang account ko
    tanging BDO lang 100k hahaha ewan ko ba, bahala sila
  • ^
    gamitin mo lang ng gamitin sir, tataas din yan

    300k starting CL ko sa BDO, after 2 years 1.5M na
    hindi naman masyadong malaki savings account ko sa kanila
  • Post deleted #12463325
  • ^^I got my 1st credit card ages ago na 10k lang initial CL then tinaasan nila ng tinaasan even without me using it that often but I'm a regular depositor constantly adding funds on my savings with the same bank. I also never missed my CC due date. By the time umabot na substantial CL, pinababaan ko only maintaining the amount I need since they do it manually . Lalo sa panahon ngayon dami scam you can't be too careful . So pinapataasan ko na lang when necessary then decrease again. Kaya depende din talaga sa bank kung ano criteria nila for credit cards CL increase, annual fee waiver and all sorts of stuffs.
  • anong bank po yan pwede irequest taas baba ang cl . sana may feature na ganun lahat ng card.
  • You can get a supplementary/extension for yourself and and set a limit. setting a limit is not instant though (you need to call)
  • anong bank po yan pwede irequest taas baba ang cl . sana may feature na ganun lahat ng card.

    BPI. Pero seldom lang ako magpa adjust ng CL nung nagka emergency samin nung 2017 pa then revert to my normal CL na ulit since then.
  • depende na lang sa bank kung ilan ang minimum in M.

    We are talking about BDO, in case you missed it.
    I said P10M sila. Correct me if I am wrong.

    You can get a supplementary/extension for yourself and and set a limit.

    Hah this is useful. I didn't know you can get a self-supplementary. So you only bring your main card if you know you need the bigger limit.
  • may nag avail po ba sa inyo nung "get 2x mabuhay miles with your pnb credit card"? mga gano po katagal tsaka nag e-email ba sila kung received at on process na? or mas ok na itawag ko na lang? tia
  • We are talking about BDO, in case you missed it.
    I said P10M sila. Correct me if I am wrong.


    with BDO it's 25M TRB.
  • re rcbc jcb card, saan po maganda gamitin na ang points mag 1 year na ang card ko this july. ipacut ko nlng kasi 3600 yun annual. at naka 1200 palang pts ko.
  • [quote]Yung simplicity maski free for life ipapatanggal ko na din. Yung ganitong mga palpak na kumpanya dapat iboycot.[/quote

    Yon nga din nasa isip ko since NAFFL sya need paba i pa close o hayaan ko na lang. Actualy I have UB Cebu Pacific CC din. Tnks sa magreply..

    -- edited by joedman2k6 on Apr 15 2024, 07:54 PM
  • sino dito nag apply ng security bank wave? ang tagal ng akin. march 20 pa ako na-approve pero hanggang ngayon wala pa yung card. sabi din sa SMS mag s-send din daw ng tracking number ng courier pero wala pa din ako na-r-receive na text. tumawag na din ako sa hotline pero yung prompt sa application status dinala lang ako sa bot. sabi approved.
  • nagtext sakin 10-14 days daw deliveru ng sbc wave.

    -- edited by sem_rs on Apr 16 2024, 02:03 AM
  • Regarding dun sa security bank wave, nag e-mail din ba sainyo nagpapaforward ng 2316, consent letter and ID with signature? Kakaforward ko kahapon kasi legit naman yung e-mail nung representative.
  • Less than a week dumating yung sbc wave ko
  • para sure maapprove nagapply ako ng secured credit card nun march 27, naapprove ako april 12 wait ko daw delivery 10-14 days after. 25k ang hold out deposit,sabi 80% lang daw ang credit limit or 20k. wave mastercard daw sabi ng new accounts staff.

    -- edited by sem_rs on Apr 16 2024, 05:11 AM
  • Guys saan kayo nagbabayad ng unionbank credit card thru online beside ub? Babayaran ko sana tong simplicity

    -- edited by holycow on Apr 16 2024, 06:08 PM
  • paid thru Metrobank app, reflected the following day
    Guys saan kayo nagbabayad ng unionbank credit card thru online beside ub? Babayaran ko sana tong simplicity


    @Security Bank CC application
    yung cashback na inapplyan ko di naman nanghingi ng reference income docs (thru online ako nag-apply). pero may nilagay ako mga reference CC, baka nagtingin nalang sa records ko with other CC

    -- edited by requiem_inferni on Apr 16 2024, 06:16 PM

    -- edited by requiem_inferni on Apr 16 2024, 06:17 PM
  • Sa Gcash ako nagbayad ng Unionbank/Citi simplicity. 2days ata bago nagreflect sa account yung payment.

    Regarding security bank requirements, nakareceive din ako SMS about additional requirements. Gov issued ID with signature lang ang pina email pero nag attach pa din ako ng 2316.

    Ang tagal lang talaga. Feb 29 ako nag apply. March 20 na approve, notified ako via SMS. Hindi na ako mag followup sa kanila. Kung hindi madeliver yung card ok lang. Stick na lang ako sa Unionciti.
  • Hayz BDO di man lang nag sms msg or e-mail kung kelan idedeliver yung renewal credit card. Kaya ayun walang tao sa bahay para mag receive.
  • nako naman hassle yan, saken sa office ko na pina paaddress para sa delivery ng mga credit cards ko para ako mismo maka tangap mahirap na saka mga courier nirerequire sila mag pakita ka ng id sa kanila bago ideliver ang new credit card.
  • Guys saan kayo nagbabayad ng unionbank credit card thru online beside ub? Babayaran ko sana tong simplicity

    I paid mine via BPI app bills payment. Pwde din daw via fund transfer. Reposting my earlier post, pero nde ko pa na try ito:
    May alternative way to pay UB CC bill pala via Instapay and it's real time posting. Caveat lang nito will be Instapay shaky service, if nagka problem yung fund transfer, it may take weeks to resolve daw. Try with small amounts first when using na lang siguro <click here for link>


    -- edited by musicgeek on Apr 16 2024, 08:37 PM