Credit card application

[jncp9886]

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.

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[shadow]

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.

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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.


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[jncp9886]

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.


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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?

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[shadow]

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?

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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


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[jncp9886]

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


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Ok tyvm. Planning to get bank acct * bdo

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[Stigg ma]

Ok tyvm. Planning to get bank acct * bdo

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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

[CVT]

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?

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Bro.,- gawin mong guarantor si bro.shadow...

Red carpet treatment ka panigurado...


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

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[1D4LV]

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.

[unmarked]

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?

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Kung wala kang history better start one. Open a savings account and dagdagan mo regularly. Notorious ang bpi at bdo na mahigpit, especially the former.

Ganyan din ako nun. Na badtrip ako so nag ipon na lang ako sa savings account and next thing I know sila na nag offer, laki pa ng credit limit.

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[jncp9886]

Kung wala kang history better start one. Open a savings account and dagdagan mo regularly. Notorious ang bpi at bdo na mahigpit, especially the former.

Ganyan din ako nun. Na badtrip ako so nag ipon na lang ako sa savings account and next thing I know sila na nag offer, laki pa ng credit limit.

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Thank you sa advise po

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[boybi]

I remembered when I first applied for credit cards, di na ako nakakatanggap ng reply sa mga banks. Pero yung classmate ko, kasabay ko nag apply, na-approve!. And yet, mas nakakaangat naman ng konti ang financial standing ko sa kanya .

[sirkosero]

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.

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[baludoy]

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!

[badkuk]

^ Yeah, very aggressive si EastWest sa consumer loans

[peter_pan30]

okay ba yung union bank credit card para makakuha ng Get Go points ng Cebu Pacific ?

[jncp9886]

Salamat sa mga input nyo guys. Anyways mg inquire muna ako. Preferably sa bpi at bdo. Na try ko na sa eastwest ung debit card nila. Pero d pa ako nakapag apply ng cc.

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[jncp9886]

I once opened an acct at bpi. Tapos after 1yr pinaclose ko na. Baka isa un na dahilan hindi na approve ung cc application ko.

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[dr. d]

I once opened an acct at bpi. Tapos after 1yr pinaclose ko na. Baka isa un na dahilan hindi na approve ung cc application ko.

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there are other banks besides bpi and bdo, who also offer credit card... why these two, po?

[jncp9886]

there are other banks besides bpi and bdo, who also offer credit card... why these two, po?

As advised from my friends po. Nakikita ko kasi majority of the establishments here in phils accepting mostly bdo.bpi.metrobank cc only. Ung wife ko meron pnb cc. Credit limit 20k. But usage of the card is minimal in some establishments offering installments.

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[shadow]

As advised from my friends po. Nakikita ko kasi majority of the establishments here in phils accepting mostly bdo.bpi.metrobank cc only. Ung wife ko meron pnb cc. Credit limit 20k. But usage of the card is minimal in some establishments offering installments.

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Thats not true. Wala sa bank yan it's either visa or MasterCard kahit Anong bank pa mag issue sayo tatangapin yan if you're talking about yun mga 0% interest usually sa promo ng mga bank yan.


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