Warning: Do not apply for a credit card at CITIBANK!

[Ry_Tower]

take note na hindi lang sa credit card ka black listed. sa lahat ng loans especially car at housing loans.

yep, basta blacklisted yung name so lahat ng form ng panghihiram, yari ka. Kelangan na collateral if ever para lang ma-approve.

[vinj]

Curious lang ako sa nga na default Sa mga CCs, habang buhay na sira ang credit standing nila? Eh paano kung na default sila when they were still young I mean bago pa Lang Sa work which often than not ganun naman nangayayari eh what if after a couple of years na promote na sila naging VP etc wala na pagasa ma build up credit nila? Kawawa naman.... Can't they petition the court na alisin yun name sila sa blacklist?

If you have bad credit card dealings and you clear it up and prove that you have a substantial earnings increase then you should be able to get a new CC. Sometimes there's an ascription period (i.e. 5 years) from the time you had a bad debt.

Same thing with bank loans. If you have a court case, past due loan, etc. it will come out on the BAP list and Court Case checkings but it should not deny you any accommodation outright as this can be still mitigated depending on your relationship with the Bank, if you can explain the circumstances behind the findings, your current financial capacity, etc.

I've always avoided Credit Cards and loan but heck, i still had to get a credit card for practicality sake. Just make it a point to pay it all off at the end of the billing period.

[boybi]

Wala ngang kwenta mga CI ng mga CC companies. Nung first few times ko mag-apply ng card, denied lagi. Pero yung ibang kakilala ko na mas tagilid ang financial standings e kadaming CC.

[foresterx]

Wala ngang kwenta mga CI ng mga CC companies. Nung first few times ko mag-apply ng card, denied lagi. Pero yung ibang kakilala ko na mas tagilid ang financial standings e kadaming CC.

i agree with this, mga employee's ko naka kuha ng CC sa citibank easily kahit yung iba minimum wage ang sahod tapos ako one of the owners na ng company denied. kala nila siguro porket bata ako niloloko ko sila na i'm one of the owners ng company namin. that's why i stick with HSBC CC ganda ng service nila pag nalaman siguro ng citibank CC limit kosa hsbc at totoong sahod ko mag maka awa sila para lang tanggapin ko CC nila. medyo binabaan ko kasi sahod ko sa dineclare ko sa kanila.

[shadow]

If you have bad credit card dealings and you clear it up and prove that you have a substantial earnings increase then you should be able to get a new CC. Sometimes there's an ascription period (i.e. 5 years) from the time you had a bad debt.

Same thing with bank loans. If you have a court case, past due loan, etc. it will come out on the BAP list and Court Case checkings but it should not deny you any accommodation outright as this can be still mitigated depending on your relationship with the Bank, if you can explain the circumstances behind the findings, your current financial capacity, etc.

I've always avoided Credit Cards and loan but heck, i still had to get a credit card for practicality sake. Just make it a point to pay it all off at the end of the billing period.

I'm saying kawawa naman mga na default at nagkaroon ng bad credit, bec of their juvenile indiscretion, it will haunt them for the rest of their lives. parang unfair naman siyemrpe since they are still young and all. hinde pa nila alam yun mga consequences ng bad credit but pag nag mature na and nag improve na financial standings eh wala ng chance mabawi yun nagawa nila nun bata pa sila.

kaya I'm asking kung pwede mag file sa court na alisin yun name mo sa black list kung na settle mo na lahat ng utang mo.

as I've said I'm almost one of those who had a juvenile indiscretion but luckily I have my parents to bail me out during that time. and I've learned my lessons, paano yun hinde na talaga nakabayad?

parang walang kwenta pala kung 5 years lang ma blacklist akala ko lifetime na eh

[vinj]

I'm saying kawawa naman mga na default at nagkaroon ng bad credit, bec of their juvenile indiscretion, it will haunt them for the rest of their lives. parang unfair naman siyemrpe since they are still young and all. hinde pa nila alam yun mga consequences ng bad credit but pag nag mature na and nag improve na financial standings eh wala ng chance mabawi yun nagawa nila nun bata pa sila.

kaya I'm asking kung pwede mag file sa court na alisin yun name mo sa black list kung na settle mo na lahat ng utang mo.

as I've said I'm almost one of those who had a juvenile indiscretion but luckily I have my parents to bail me out during that time. and I've learned my lessons, paano yun hinde na talaga nakabayad?

parang walang kwenta pala kung 5 years lang ma blacklist akala ko lifetime na eh

Actually, lalabas dapat sa checking na fully settled na yung obligation (or whatever is its current status/balance is). Yung problema din minsan is yung system natin (as usual), di na-uupdate as it should be.

Just like an NBI clearance, hirap din yung mga may common name pag dating sa CI and court case verifications. Damay ka sa kalokohan ng ka-tukayo mo

Usually naman yung nag-CI for CC companies are outsourced so by the book sila mag CI, di nag qualify kung talagang yan yung tao na may negative findings or hindi. Minsan nga yun messenger namin sa office, binigyan pa ng pre-approved CC. :D

[shadow]

dapat i-petition pala sa court na i-update ang status ng isang defaulter pag settled na tapos hinde pa naalis sa blacklist yun name niya.

[shadow]

Maganda Sa Hsbc yun miles nila, pinsan ko lahat ng gas ng trucks nila monthly Sa Hsbc niya pinapasok for points 900k to 1.2m per month kaya lagging libre mga byahe niya to us,, Europe etc.

[umi001]

Hmmph, strange. I've never had any problems with my Citibank credit card, and I've had mine for a fair number of years. In fact, even if I'm late paying a day or two, they don't charge me any finance charges or late fees. I've had no issues with my BPI and Standard Chartered cards either. The one credit card I had terminated was my HSBC card - miss the payment by about an hour or so, and you already get charged late fees. Also didn't like their customer service, had a few issues before.

The main thing I do with all my credit cards is to always pay in full all balances every month; I have cards with some high credit limits, but I've never had a problem with overspending. Also, assuming you have the financial restraint, having a credit card has certain advantages over paying in cash - one, you can take advantage of offers on the card, such as xx% off on fuel, groceries, etc; and two, you establish a record as a good debtor.

[Ry_Tower]

The main thing I do with all my credit cards is to always pay in full all balances every month; I have cards with some high credit limits, but I've never had a problem with overspending. Also, assuming you have the financial restraint, having a credit card has certain advantages over paying in cash - one, you can take advantage of offers on the card, such as xx% off on fuel, groceries, etc; and two, you establish a record as a good debtor.

+100, that is the right way to do it IMHO.

[gongrhey]

Will watch out sa mga complaints sa Citibank CC. So far okay naman sila at on time ang dating ng billing. Tinext ako nung isang araw pre-qualified daw ako sa cash loan kung interesado daw ako.
I normally pay in cash dahil ayaw kong matambakan ng bayarin. Nagagamit ko lang siya pag nag-ttravel ako. I have premier miles CC which earns premier miles pero di ko pa na-reredeem.

[keithdb]

citibank sux. ang nakakainis sa citibank, shineshare ang contact info mo sa ibang companies, kaya lagi may tawag sa office na nagooffer ng kung ano ano. ever since I had my card deactivated tumigil na mga tumatawag.
now only using BPI.

[pobre24]

Ako hsbc lang. nakaka free gas ako sa caltex. Around php 600 rebate ko every time i gas up. 2k na sales slip = php100 rebate. Dito ko kinakarga lahat ng expenses ko. Pwede rin starbucks or cebu pacific. Sulit naman

[Ry_Tower]

Ano ba talaga best credit card locally? BPI ako eh, may mas ok pa? Pa-PM if OT na

[stavros]

I have 2 Citibank credit cards - Shell and a mastercard, i had no problems or issues with it for the last 10 years and i'm using it all the time. Parati ngang max out yung credit limit ko eh, so dapat pa-kapehin nila ako tuwing nagbabayad ako dun sa bank nila hehe.

I like Citibank credit card because it is convenient to me, especially their online facility. I can check my balance anywhere, and pay anytime thru online transfer. Nakikita mo kagad yung mga latest transactions, unlike Metrobank credit card na yung billing statement lang naka-display. Yung bagong transactions mo eh next month mo pa makikita.

I think if you have a problem managing credit, then a credit card is not for you. But for people who know how to use credit to their advantage, the higher the credit limit, the better. Parang meron kang naka-ready parati na instant cash, in case of emergency.

I think someone should start a thread about Citibank Personal Loans also. This is a totally different animal. Grabe ang mga marketing and Sales agent nitong Loans division nila. Sinabihan pa ako sa telepono ng: "Huuu, sir, kunyari ka pa, alam ko naman kailangan mo ngayon ng pera!"... sabi ko, pucha ininsulto mo pako, di ko kailangan ng loan mo ulul.

Kung max out lagi card mo sa tingin ko dun may malaking problem :D

[impulzz]

6 years na ata citibank cc ko. so far so good... happy with the points that can be used to pay for half the purchases in selected store. then they issued me a rustan's card and may points ako sa rustan's supermarket fresh card, may cash back pa sa rustan's store. they will issue GC daw so i can buy what ever we want mas sulit.

even my wife's citibank mercury card is ok... every 250 worth of points is automatically deducted on purchases in mercury. ok din yung free movies dati sa citibank.

annoying talga yung loan agents nila, tapos pag nagsasalita ka parang di nakikinig at uulit pa yung sinabi na nya, minsna sinabihan ko nakikinig ka ba sa sinabi ko... No and don't call back. don't want to be rude and just hang up pero minsan parang bastos yung agents.

and meron pa sila isang gimik pala yung insurance, in case may mangyari sa card holder para may magbabayad daw, sabi ko eh di kayo mag bayad ng premium kayo makikinabang dyan eh. bat sa akin nyo charge... the agent just gave me a run around then asked... ano sir para protected kayo... i just hung up... what an a$$h0l3 agent

yung BPI hindi sulit, i feel kelangan ko lagi habulin yung amount para lang may free.
For minimum of Php 2,000 single receipt transaction: 1 order of 1-pc Chickenjoy with rice
For minimum of Php 6,000 single receipt transaction: 2 orders of 1-pc. Chickenjoy with rice Plus 2 orders of Regular Yum

tapos pag claim mo sasabihan ka pa ng kahera na walang promo.. eh may poster sila nasa front door...kamote

dati sa dairy queen laging walang stock yung dilibar.

[KERSMcRae]

hmm.
ano ba magandang reason para ipa-cancel ang cc sa citibank. hindi ko nagagamit yung sakin e. 6 months kasi ako na out of the country, basta dineliver na lang sa office. Kuntento na ko sa HSBC at BDO.

[stavros]

hmm.
ano ba magandang reason para ipa-cancel ang cc sa citibank. hindi ko nagagamit yung sakin e. 6 months kasi ako na out of the country, basta dineliver na lang sa office. Kuntento na ko sa HSBC at BDO.

Bakit need mo pa mag reason out, why dont you just cancel it.

[erj22]

na experience ko din yan. late billings. i called them up and i demanded them to inform me of my billings of the month through mobile, which I get about 7-8 days before due, and through email. because I want to have this documented. no issues so far.

[EVO-V]

They've improved a lot since then. The collection agencies are bullies. You kick in them hard in the nuts they won't fight back.