Credit card application

[shadow]

Kanina may nag offer sa akin ng CC ang isang agent ng Citibank while looking for phones sa Samsung Store. Asked me if may current CC ako... sabi ko oo, then sabi pa ng agent na they're offering balance transfer from my current CC to Citibank.

Tanong: ano ang balance Transfer at ano ang benefits, pros and cons nito?

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Yun utang mo sa existing card babayaran ng bagong card mo then sa kanila mo huhulugan.

Advantage? Baka mas mababa interest pero hinde ko alam kasi ganun pa rin utang pa rin yun.


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[jut703]

Kanina may nag offer sa akin ng CC ang isang agent ng Citibank while looking for phones sa Samsung Store. Asked me if may current CC ako... sabi ko oo, then sabi pa ng agent na they're offering balance transfer from my current CC to Citibank.

Tanong: ano ang balance Transfer at ano ang benefits, pros and cons nito?

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Get the Citibank PremierMiles card. Free 30,000 miles kagad. Really, really good promo.

That's enough to get you a round-trip to Japan.

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[carwhacko]

Get the Citibank PremierMiles card. Free 30,000 miles kagad. Really, really good promo.

That's enough to get you a round-trip to Japan.

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Mahirap ma approve sa mga ganyang Platinum/World etc unless may malaking pera ka sa mga banks. Surprisingly I got approved sa Security Bank Platinum. Oh well there is the World Mastercard/Visa [emoji23]


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[jut703]

Mahirap ma approve sa mga ganyang Platinum/World etc unless may malaking pera ka sa mga banks. Surprisingly I got approved sa Security Bank Platinum. Oh well there is the World Mastercard/Visa [emoji23]


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They approve as long as you have an existing card in other bank. They just asked for details of my other card (BPI) then proceeded to process my Citi PremierMiles card.

I assume that I have way less money in the bank as a corporate slave compared to a business owner like you so I don't think it's going to be an issue for you.

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[myas110]

Get the Citibank PremierMiles card. Free 30,000 miles kagad. Really, really good promo.

That's enough to get you a round-trip to Japan.

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Yeah.. I understand na utang pa rin sya... hindi ko lang mabayaran ng buo kasi not enough yung pera ko (I spent a lot when I had a car and mag broke down yung ilang parts nito kaya need ko to spend via CC)...

Pero OK ba ang Citibank? I heard na hindi siya ok eh..

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[jut703]

Yeah.. I understand na utang pa rin sya... hindi ko lang mabayaran ng buo kasi not enough yung pera ko (I spent a lot when I had a car and mag broke down yung ilang parts nito kaya need ko to spend via CC)...

Pero OK ba ang Citibank? I heard na hindi siya ok eh..

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I'm happier with my Citibank card than my BPI. Only reason why I keep my BPI is because of the higher credit limit and waived annual fees.

What particular negative feedback have you heard about Citibank?

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[_Cathy_]

I'm happier with my Citibank card than my BPI. Only reason why I keep my BPI is because of the higher credit limit and waived annual fees.

What particular negative feedback have you heard about Citibank?

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Cancelled mine when they didn't want to waive my AF (this was 10 yrs ago) It's also hard for me to pay because I don't have a CT account so have to pay at the mall pa.

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[bugsmobile]

Cancelled mine when they didn't want to waive my AF (this was 10 yrs ago) It's also hard for me to pay because I don't have a CT account so have to pay at the mall pa.

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You can enroll your Citibank card sa BPI express online.

[_Cathy_]

You can enroll your Citibank card sa BPI express online.

Oh. I recently used online banking lang kasi [emoji14] I'm happy naman with BPI kasi kahit 2 days late, no LC and FC. I only have BPI, HSBC and AMEX

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[carwhacko]

I'm happier with my Citibank card than my BPI. Only reason why I keep my BPI is because of the higher credit limit and waived annual fees.

What particular negative feedback have you heard about Citibank?

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Hahaha! First time lang ako na approve sa Platinum Security Bank. The rest Gold and mga starter cc ng banks.


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[carwhacko]

I like Citibank’s Simplicity kasi walang late fees, annual fees kaso walang reward points.


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[myas110]

Which bank/CC has lower balance transfer fees?

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[Egan101]

Which bank/CC has lower balance transfer fees?

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Metrobank offers 0.48% monthly add-on rate while BDO offers 0.88%. Most others offer between 1.5% to 2% monthly add-on rate.


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[sirkosero]

Metrobank offers 0.48% monthly add-on rate while BDO offers 0.88%. Most others offer between 1.5% to 2% monthly add-on rate.


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Promo rate yata yung sa metrobank for select cardholders

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[Luiscachero]

I got pre-approved sa BPI Gold Mastercard nila. They didn't even require me to submit any documents, kahit ID wala. The branch where my accounts were just called me if interested ba daw ako, sabi ko yes. Then after a few weeks tinawagan ako ng head office sa Makati, that phone call was sort of an interview, then ayun, I just received a text stating na I got approved. haha nakakagulat lang considering na I didn't apply for one, pero I won't be using it as much, just for very very important purchases lang :D

[dr. d]

I got pre-approved sa BPI Gold Mastercard nila. They didn't even require me to submit any documents, kahit ID wala. The branch where my accounts were just called me if interested ba daw ako, sabi ko yes. Then after a few weeks tinawagan ako ng head office sa Makati, that phone call was sort of an interview, then ayun, I just received a text stating na I got approved. haha nakakagulat lang considering na I didn't apply for one, pero I won't be using it as much, just for very very important purchases lang :D

they probably liked what your accounts contained, and the history thereof.
so did they waiver the annual fees?

[Luiscachero]

they probably liked what your accounts contained, and the history thereof.
so did they waiver the annual fees?

1st year AMF is free, I think. 2nd year I'll try to have it waived, since I pay before the deadline and in full naman

[reiman13]

I'll just post my query na lang dito. Pardon my ignorance..

This is for RCBC Bankard. I requested to convert one of my straight purchases (CEBU PAC PH) into 3 months, 0% installment.

Eto yung bill breakdown ko, due date on September 9.

CEBU PAC PH 11,965.00
LAZADA PH 2,656.00

Question, bale ang babayaran ko lang for this current bill is yung 2,656.00 + minimal na processing fee right? Then yung 3 months 0% installment will start na on the next billing cycle?

[jaggerx3]

I got pre-approved sa BPI Gold Mastercard nila. They didn't even require me to submit any documents, kahit ID wala. The branch where my accounts were just called me if interested ba daw ako, sabi ko yes. Then after a few weeks tinawagan ako ng head office sa Makati, that phone call was sort of an interview, then ayun, I just received a text stating na I got approved. haha nakakagulat lang considering na I didn't apply for one, pero I won't be using it as much, just for very very important purchases lang :D

Use it basta make sure na ready din pambayad. Mataas annual fee niyan. Sayang dn if you got to cut it

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[sean-archer]

I got pre-approved sa BPI Gold Mastercard nila. They didn't even require me to submit any documents, kahit ID wala. The branch where my accounts were just called me if interested ba daw ako, sabi ko yes. Then after a few weeks tinawagan ako ng head office sa Makati, that phone call was sort of an interview, then ayun, I just received a text stating na I got approved. haha nakakagulat lang considering na I didn't apply for one, pero I won't be using it as much, just for very very important purchases lang :D

Ganyan ko rin nakuha yung BPI gold ko, probably naghahabol quota.

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