Forum Topic

Credit Card 101

  • somewhat nag-normalize na yung usage ko sa UBP simplicity, yun kasi pang-online payment ko since pwede i-lock. only hassle nalang is di ko ma-view yung transactions, error SL999 parin. manu-mano ko nalang minomonitor kung tama ba outstanding balance vs sa mga kinaskas ko.
  • nag email ulit si union benks

    re enroll na sa bpi app goin to union bank card na using the same card number
  • Abah, pumapalag pa yung RCBC. Summer essentials promo 885k, 19,257/Mon @ 0.49% for 60mons. Tempting ha.

    :D
  • bili na ng kotse hehe
  • bili na ng kotse hehe

    0.49% stretch to 60months is still effective ~30%, almost the same as bank's car loan (usually 5-6% PA, so 25-30% effective).

    Although, mas OK, since hinde na encumbered yung rehistro, hawak mo na agad. pwede mo na ibenta kahit hinde pa fully paid :P

    -- edited by baratzki on Apr 17 2024, 03:19 AM
  • meron promo bdo free annual for 3 years if you activate visa card yun lang nasabi sa sms. katakot kagatin ang gimik hindi sinabi walang spend requirement.
  • na turn off ako sa memoxpress promo sa metro bank 10 percent off daw yung gadgets pero kasama ang insurance na 3.5k so ganon din price pede mo lang hulugan ng 24 months zero installment marketing schemes talaga, maganda lang pede mo palitan unit dawwwww pag ayaw mo na nung kulay hahaha di ako tiwala sa ganon talaga lalo sa pinas
  • 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.


    Bat ang liit yung starting cl mo sa wave. Sa akin ang laki ng starting cl ko sa wave. Less 500k. Di naman kalakihan yung account ko sa kanila.

    -- edited by holycow on Apr 17 2024, 04:19 PM
  • 25k ang hold out deposit,sabi 80% lang daw ang credit limit or 20k.

    Same ni offer sakin SB hotline para sure daw maapprove. 25k hold out however means I won't be able to use the funds for a year and it practically won't be earning interest vs at least P900 per annum computed at 4.5% gross kay digital banks.

    -- edited by musicgeek on Apr 17 2024, 07:01 PM
  • okay lang sakin low credit limit basta naffl, pag butihin ko nlng paggamit ng card nila para tumaas. okay narin sana pamalit sa simplicity

    sana tama ako na mas benipisyo ang free for life kumpara sa 25k hold out deposit.

    -- edited by sem_rs on Apr 17 2024, 06:46 PM
  • ^same saken nag simula ren ako sa 8k cl non sa bpi hahaha pero ginamit ko lang sa mga utilities expense ko basta pede cc XD

    kung need mo malake loan eh sa bank paren kaw mag pupunta at titingnan din ang capacity mo to pay
  • naexperience nyo ba dapat nakacredit card halos lahat ng transaction nyo. ayaw nyo bumili sa tindahan na di nagaacept ng cc.
    sana pwede card gamitin sa halos lahat para iwas na holdup at kupit ng kahera ng cash.
  • yes for me kung pede lang mag tataho credit card eh i credit card ko na hahahahaha

    sa totoo lang atm ko sariwa pa hindi ko masyado nagagamit hahah nag kaka pera lang me gawa may nag papa gcash yun lang
  • sana tama ako na mas benipisyo ang free for life kumpara sa 25k hold out deposit.

    As long as taasan din nila ng maayos yan CL after a year then it's beneficial specially kung magiging primary card mo sya. Sila BPI pala may ganyan din secured credit card setup then apparently the hold out amount appears as part of our fund din naman if and when we need bank certs. <click here for link>
  • noong 2018 naapprove ako ng bpi 7.5k yun limit ko, yun savings ko noon around 10-15k lang. ngayon 2024 nasa 70k pero savings ko 10k nlng. wala pa yta nun secured credit card.

    -- edited by floriver on Apr 17 2024, 07:20 PM
  • naexperience nyo ba dapat nakacredit card halos lahat ng transaction nyo. ayaw nyo bumili sa tindahan na di nagaacept ng cc.

    hanggat maari credit card din gamit ko specially nagkaroon na ng lock feature primary CC ko. I'm frequently using it even for my online purchases. Whereas before niloadan ko pa maya/gcash to the exact purchase amount I need para iwas unexpected debits and scams. Now I only use ewallets/debit cards if they have discounts during laz and shopee sales.
  • sa credit card kasi pede mo habulin at pera pa ng bank ang nagalaw sa debit o e wallets wala ka ng habol gg na
  • ^speaking of... nabasa ko lang sa feed ko nadebit sya pero hindi nagreflect sa payment system ni hi precision so the merchant won't allow him to have the diagnostics and ask him to swipe his card again which he refused. Kayo what will you do in this case?
    In truth, ayoko ginagamit ang lawyer card. Pero there are some people and establishments talaga na ipipilit ang mali unless i-establish mo na alam mo ang batas.

    So eto nangyari. Nandito ako sa Hi Precision in Power Plant getting a blood test. Nag swipe sila ng debit card ko. Nag hang ang machine nila and sabi i-swipe ko daw ulit. Sabi ko icheck ko muna online kung pumasok nga. Ayun nag subtract sa account ko and specifically, sa transaction history, nag reflect sya na dinebit ang amount to Hi Precision.

    Sobra linaw.

    Pinipilit nung nasa teller na di daw pumasok. Pinapakita ko na cellphone ko na sobra linaw. Di daw talaga pumasok. Pinapkita nya history ng machine nila na hindi nag reflect. Sabi ko, san napunta pera ko? Hindi daw sa kanila pumasok.

    Inilapit nya sa manage nya. Ganun din. Ipinipilit pa din ng manager na di daw pumasok. So? Ano gagawin ko? Either babayad ako ulit or aalis ako without getting my lab exam. Ano yun? Nagtapon ako ng pera?

    So, I had to use the lawyer card. Sabi ko. Look, Im a lawyer and I know the law. Machine nyo yan. Responsibility nyo yan. Nawala pera ko. Kung di man pumasok sa inyo, you will bear the loss. Machine nyo yan eh.

    Ayun. After that, nagbago ang pakikitungo nila. Biglang bumait. They let me get my lab procedure tapos sabi, okay na daw. Kung daw ibalik sa account ko ang pera, baka pwede daw i-gcash ko na lamg. Sabi ko, sure. Ganun lang naman kadali ang solusyon. Pero wag nila sasabihin na di nila irerecognize na na-minus sa account ko ang transaction.

    Eh pano kung di sakin nangyari un? To somebody na di alam ang karapatan nila? Mag double payment na lang? Or aalis na lang na wala ung pera nila?
  • ang hassle nyan, lalo patae tae ang cashier o terminal
  • client
    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

    update lang, na redeem ko na yung miles via call sa hotline nila. 3 days ako tumatawag (naka hold ng 30mins to 1hr). pero wala pa yung bonus na 2x miles to follow daw yun.
  • Have you tried reaching out to UBP's customer support about the SL999 error? They might be able to provide a solution or explanation for the issue you're experiencing.
  • Ganto ba talaga BDO nakailang punta na doon sa lugar namin para ideliver yun Cc ndi manlang nag tatanong kung saan minso yun taong hinahanap tapos doon lang minsmo sa may street lang hahanap pangalawalang courier na una 2go now lbc hayyy
  • Meron ba sa inyong na charge with facebook ads?

    BDO sakin, wala akong naka tie na payment method sa FB
  • called CSR already, na compromise yung card. papalitan na daw and reverse yung charging
  • Meron ba sa inyong na charge with facebook ads?

    Same with my kuya nireverse naman din ni BDO and pinalitan card nya. Nakalock for purchase ba BDO CC mo through app most of the time?
  • ^
    Nope, hindi ako naglo-lock, mejo hassle for me.
    i use my card few times a day kasi and yung BDO gamit ko for online purchase, sya kasi yung laging may promo

    shopee, lazada, ikea lang naman, so hindi ko alam san sya na compromise
  • ^my bro seldom uses his credit cards for online transactions so I guess it's more of BDO's concern nyan facebook ads unauthorized transactions. Hindi rin sya naglo lock ng card as he is not as techie as most of us. Personally I lock my card after using it since BPI implemented that feature quite recently. Yes hassle nga lang pero ayoko maabala't be at the mercy of banks to reverse unwarranted transactions.
  • Same ni offer sakin SB hotline para sure daw maapprove. 25k hold out however means I won't be able to use the funds for a year

    I'm dropping the idea of getting an SB secured CC hassle kelangan pa pala reapply ng panibagong CC once the one year hold out ends . If I won't get approved via their regular route so be it
    When can I request the hold-out amount to be lifted?
    Processing of request for lifting of hold-out will be subject to approval and would take 30 banking days. Note that credit card of client will be cancelled once request has been implemented. He/she would need to apply via regular route to continue use of credit card.
    <click here for link>
  • Sa mga BDO card holder na madalas Online purchase for your safety and worry-free pwde kayo mag request ng Virtual Card with extra security feature free lang naman yun.

    -- edited by blast on Apr 18 2024, 07:27 PM
  • ^
    thank you sir sa reminder, will surely get one next time
    inalok ako nun dati pero tinanggihan ko, naisip ko kasi for credit to cash ko lang gagamitin yung card

    hindi ko alam na BDO almost always has the best promos online