BPI to charge over-the-counter withdrawals, inter-regional deposits by Sept. 1

[carwhacko]

Kung good account holder ka i dont think magkakaron ka problem sa pagkuha ng credit cards depende sa amount ng pera mo sa bangko. Sometimes when you pay near your credit limit next transaction they will double your limit. It really depends on your account status. Kung puro delay payment ka e sorry ka nalang[emoji16]

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This is the reason why i want to talk to my branch manager since I have no bad records when it comes to payments etc. Laging advance and I never pay the minimum.


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[_Qwerty_]

baka ayaw nila yan... gusto nila minimum lang ang binabayaran para malaki kita nila sa interest..

This is the reason why i want to talk to my branch manager since I have no bad records when it comes to payments etc. Laging advance and I never pay the minimum.


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[carwhacko]

baka ayaw nila yan... gusto nila minimum lang ang binabayaran para malaki kita nila sa interest..

Haha oh well good luck with that. Never kikita sakin ang credit cards. I just use them primarily for my business and emergency purposes.


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[heavenlee]

I'd like to apologize to EastWest bank for my erroneous posts on this thread in which I mentioned them.

I just had the chance to talk with my friend -- the one I was posting about in post #71 of this thread -- and it turned out that the bank who tagged her was UnionBank, not EastWest bank. Sorry for the mistake.

And regarding substantial bank accounts with BDO, I found out that she had at that time more than 50M (she won't say exactly how much) with them in various deposit instruments. Despite being close to the BM who recommended her for the credit card, credit card division turned her down because she "owed" UnionBank 5k in unpaid annual dues + interest + penalties. That was BDO in 2015. I wonder how much is considered by BDO as substantial now.

Just sharing and correcting. Thanks.

[chronicle]

I would also add that afaik, may points ang branch kapag nakapagpasok sila nang credit card account. May quota rin sila alam.

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[carwhacko]

Haha wow 50M! Kahit M wala ako. Baka kaya siguro ganun [emoji23]


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[carwhacko]

I also love Citibank! No annual fee for life!


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[Walter]

Another one of those stories ... Something's missing from the picture ... Anyone with that kind of deposit would already be offered a premium credit card with no annual fee ...

[ninjababez]

Another one of those stories ... Something's missing from the picture ... Anyone with that kind of deposit would already be offered a premium credit card with no annual fee ...

boss ko bro, ganun din M din pera sa bank (malapit na sa 8 digits *family money included). di maka loan and company CC lang ang pwede sa kanya. later nalaman ko na may CC debt pala sya noon na wala pa 6 digits, ayaw lang nya talaga bayaran. yun pumalit sa kanya, ganun din kaya umaasa sa pasalo auto loans dahil di sila ma approve.

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baka ayaw nila yan... gusto nila minimum lang ang binabayaran para malaki kita nila sa interest..

yan naman talaga gusto nila diba, kasi dun sila kumikita ng mas malaki.

[Walter]

Bank would find it strange for someone who has 8 digits in their account to be asking for a loan ... Besides, family money is not considered as his money ... Most likely it's a joint account ...

[uls]

kahit madami ka pera sa bangko kung may history ka na di nagbabayad ng utang sino gusto magpautang sayo

for me mali yung assumption na pag mayaman = creditworthy

madami mayaman na lokoloko ayaw magbayad ng utang kahit kaya nila magbayad

[carwhacko]

I have a friend na may past debt sa Security Bank then after a year or two lang siya nag pa reconstruct to pay in full na yung utang sa card. But before niya yun bayaran my friend applied for a BDO card and bam approved! Hahaha! Payroll account lang yung bdo account niya so laging ubos. Still a mystery to me bakit siya nabigyan, ako na may laman naman bank account (hindi M) and also clean records nadedecline pa [emoji23] Kung hindi lang maraming branch tong BDO talaga eh. Lilipat na ako sa Security Bank or kung ano mang iba pa na okay.


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[chronicle]

^
Madami pang option na bank. Try to divest, malay mo mabigyan ka.

I myself closed my bdo account because i find them hard to transact to.

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[vinrem]

Same here, car loan and hosing loan ko puro BDO, paid it in full after 2-3 years, applied for a CC but denied lagi, depositor naman ako and laging may pera ang account, then came BPI, they ask me if I want to apply, sabi ko laging denied ako, the manager said siya bahala, after a month may CC na ako, I just use the CC to book plane ticket and hotels lang.

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[maxpedition]

Same here, car loan and hosing loan ko puro BDO, paid it in full after 2-3 years, applied for a CC but denied lagi, depositor naman ako and laging may pera ang account, then came BPI, they ask me if I want to apply, sabi ko laging denied ako, the manager said siya bahala, after a month may CC na ako, I just use the CC to book plane ticket and hotels lang.

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Bpi gold credit card holder wala naman problem nung nag apply ako.

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[carwhacko]

Malapit k ona talaga ilipat funds ko hahaha


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[carwhacko]

Question re: BPI pwde ba magpa increase ng POS or withdrawal transaction? Kasi 20k sila right?


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[jut703]

Question re: BPI pwde ba magpa increase ng POS or withdrawal transaction? Kasi 20k sila right?


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Yes pwede. I had mine adjusted.

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[carwhacko]

Yes pwede. I had mine adjusted.

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Thanks jut. im getting mixed answers kasi if pwde or hindi and kung ilan ang max limit nila. Anyway will transfer all my personal funds in BPI because BDO keeps declining my card application. Hahahahaha!


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[Ry_Tower]

Question re: BPI pwde ba magpa increase ng POS or withdrawal transaction? Kasi 20k sila right?


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Yes. Na-aapproved naman agad ata.

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