New and Used Car Talk Reviews Hot Cars Comparison Automotive Community

The Largest Car Forum in the Philippines

Page 1 of 16 1234511 ... LastLast
Results 1 to 10 of 158
  1. Join Date
    Aug 2011
    Posts
    115
    #1
    Guys. Need info lng kung ano ba reasons bat hindi ma approve ung credit card application. Ngtry ako mg apply sa bpi cc. Pinadalhan ako ng letter at sabi doon denied ung cc application ko but pwede raw ako mg apply ng card inwhich mgdeposit muna ako mg certain amt of money kumbaga debit card.

    Sent from my SM-J200GU using Tsikot Forums mobile app

  2. Join Date
    Oct 2002
    Posts
    40,038
    #2
    Quote Originally Posted by jncp9886 View Post
    Guys. Need info lng kung ano ba reasons bat hindi ma approve ung credit card application. Ngtry ako mg apply sa bpi cc. Pinadalhan ako ng letter at sabi doon denied ung cc application ko but pwede raw ako mg apply ng card inwhich mgdeposit muna ako mg certain amt of money kumbaga debit card.

    Sent from my SM-J200GU using Tsikot Forums mobile app
    Yun offer nila hinde debit card but secured card. Certain Percentage ng amount deposit mo yun maging credit limit mo, and you cant touch that money for a year yata. Parang calateral Doon kukunin pag hinde ka nakabyad sa card mo.

    Bad credit history or walang history Kaya na denied ka.


    Sent from my iPhone using Tapatalk

  3. Join Date
    Aug 2011
    Posts
    115
    #3
    Quote Originally Posted by shadow View Post
    Yun offer nila hinde debit card but secured card. Certain Percentage ng amount deposit mo yun maging credit limit mo, and you cant touch that money for a year yata. Parang calateral Doon kukunin pag hinde ka nakabyad sa card mo.

    Bad credit history or walang history Kaya na denied ka.


    Sent from my iPhone using Tapatalk
    Walang history nga. So ano po pwede gawin to increase my chances getting a credit card from a reputable bank? Kailangan ba makapag open muna ng bank acct sa kanila?

    Sent from my SM-J200GU using Tsikot Forums mobile app

  4. Join Date
    Oct 2002
    Posts
    40,038
    #4
    Quote Originally Posted by jncp9886 View Post
    Walang history nga. So ano po pwede gawin to increase my chances getting a credit card from a reputable bank? Kailangan ba makapag open muna ng bank acct sa kanila?

    Sent from my SM-J200GU using Tsikot Forums mobile app
    Yup mag secured card k na lang muna and build your history after 1 year siguro mag offer Na bpi sayo ng regular CC.

    Or apply ka sa lahat ng banks. Law of average Meron siguro kahit isa mag approve


    Sent from my iPhone using Tapatalk

  5. Join Date
    Aug 2011
    Posts
    115
    #5
    Quote Originally Posted by shadow View Post
    Yup mag secured card k na lang muna and build your history after 1 year siguro mag offer Na bpi sayo ng regular CC.

    Or apply ka sa lahat ng banks. Law of average Meron siguro kahit isa mag approve


    Sent from my iPhone using Tapatalk
    Ok tyvm. Planning to get bank acct * bdo

    Sent from my SM-J200GU using Tsikot Forums mobile app

  6. Join Date
    Oct 2013
    Posts
    2,537
    #6
    Quote Originally Posted by jncp9886 View Post
    Ok tyvm. Planning to get bank acct * bdo

    Sent from my SM-J200GU using Tsikot Forums mobile app
    pinaka ok yong offer ng bpi secured credit card...

    deposit minimum P10,000, and you get a credit limit of P8,000 (80%), tapos may promo sila spend P5000 within 3 months yata and the annual fee is waived forever (yes, meron forever pa lol) - sa festival near shopwise ko ito nakita... inquire ka na lang sa bank kung on-going pa ito promo offer...

    tapos kunin mo bpi-petron para may free P200 fuel voucher and 3% rebate sa fuel purchase along with the perks of petron value card (free insurance and emergency road side assistance)...

    cons ng petron-bpi - no points on purchase, pero pwede ka kuha ng bpi e-credit card (for free) for internet use, P30 = 1 point

  7. Join Date
    Jun 2005
    Posts
    3,762
    #7
    Kung employed ka, apply ka uli and make sure to provide your 2 months payslip or your ITR.

    Kung self employed or may business, you need to provide your financial statements.

    Otherwise open an account sa bank then apply.

    Sa dami na naaprove na credit card application, ang usual cause ng decline is incomplete requirements.
    Minsan may makulit gusto ng card pero ayaw magpasa ng financial docs or ayaw magbigay ng ID. Auto decline yan.

    Secondary lang ang history.

    Sent from my ASUS_Z00AD using Tapatalk

  8. Join Date
    Dec 2005
    Posts
    39,162
    #8


    Quote Originally Posted by jncp9886 View Post
    Walang history nga. So ano po pwede gawin to increase my chances getting a credit card from a reputable bank? Kailangan ba makapag open muna ng bank acct sa kanila?

    Sent from my SM-J200GU using Tsikot Forums mobile app
    Bro.,- gawin mong guarantor si bro.shadow...

    Red carpet treatment ka panigurado...


    _/_/_/
    "The measure of a man is what he does with power" LJIOHF!

    31.0K _/_/_/_/_/_/_/_/_/_/

  9. Join Date
    Oct 2002
    Posts
    15,528
    #9
    talagang mahirap mag apply ng cc ngayon because of stricter BSP regulations due to higher default rate.
    if you really need one, get that secured one, get a debit card or go to other banks. pero as i have said earlier, pahirapan ang magapply ng cc ngayon.

  10. Join Date
    Mar 2006
    Posts
    17,507
    #10
    Try mo kuha appli sa eastwest bank. Mas lenient sila compared to bpi and bdo sa experience ko many years ago

    to be or not to be, that always confuses me!
    Last edited by baludoy; November 8th, 2016 at 05:15 PM.

Page 1 of 16 1234511 ... LastLast

Tags for this Thread

Credit card application