Bakit ka badtrip today?

[thearsenal1205]

smc infra is doing their magic back again

Stopping every intersection for 30+ minutes

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[baludoy]

^ ano kaya reason? To decongest their infras?

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[_Qwerty_]

yung hsbc ko naman more than 20 yrs na yata yun.. parati naman nila ni wa waive AF.. pero for the longest time hindi nila ni i increase ang credit limit.. nasa 200K lang yata..

recently i requested to increase yung credit limit kasi HSBC Gold na yung card tapos ang baba naman nang credit limit.. eh may balak ako pag gamitin na medyo malaki on installment.. aba decline daw yung request to increase.. sabi ko for the longest time ngayon lang ako nag request nang credit limit increase denied pa? eh kasi daw di ko naman daw ginagamit.. eh gagamitin ko nga kako kaya ako nag re request.. mag request daw ako ulit after 6 months.. ayun.. i closed the account.. nag apply ako ng Metrobank Platinum..

same tayo. I've had my BPI cc for more than a decade and this is the first time I was charged A/F. I think it's because I am not using my card anymore (except for ADAs like Netflix and Epass)

I called the hotline and I was shocked na they did not want to waive it and offered 12 months zero interest on my AF. I find it insulting na they think I need 12 mos to pay annual fee when I never even revolved my card (I pay full outstanding balance) Minsan hindi na nagiisip mga call center agents. I told them I will close all my accounts in BPI if they don't waive the AF so the agent said she will make a request for reversal, but when I checked my CC yesterday I did not see a reversal so I contacted my RM.

Hindi ko maclose CC ko dahil nga sa mga ADA ko. Hassle pa magpa change ng card number uiit.

That's the AF which starts on your next billing cycle for 1 year.

[_Cathy_]

yung hsbc ko naman more than 20 yrs na yata yun.. parati naman nila ni wa waive AF.. pero for the longest time hindi nila ni i increase ang credit limit.. nasa 200K lang yata..

recently i requested to increase yung credit limit kasi HSBC Gold na yung card tapos ang baba naman nang credit limit.. eh may balak ako pag gamitin na medyo malaki on installment.. aba decline daw yung request to increase.. sabi ko for the longest time ngayon lang ako nag request nang credit limit increase denied pa? eh kasi daw di ko naman daw ginagamit.. eh gagamitin ko nga kako kaya ako nag re request.. mag request daw ako ulit after 6 months.. ayun.. i closed the account.. nag apply ako ng Metrobank Platinum..

Same here, around 20 yrs na din yung isa kong card and I've had the same credit limit. I asked for an increase and I was told na I don't even use half of my limit Paano ko makakamit goal ko na 1 M credit limit, ang layo layo ko pa LOL!

Dati pala I asked the casa kung pwede i card ang kotse, hindi daw. Imagine ilang points yun LOL

[_Qwerty_]

if you have the credit limit why not? pwede yan sa car.. or kahit pang DP..

i remembered yung boss ko dati na OZ.. when he bought our condo staff house sa BGC.. around 2004.. we went to Ayala's office and he swiped the payment.. US$150K yata that time..

Same here, around 20 yrs na din yung isa kong card and I've had the same credit limit. I asked for an increase and I was told na I don't even use half of my limit Paano ko makakamit goal ko na 1 M credit limit, ang layo layo ko pa LOL!

Dati pala I asked the casa kung pwede i card ang kotse, hindi daw. Imagine ilang points yun LOL

[_Cathy_]

if you have the credit limit why not? pwede yan sa car.. or kahit pang DP..

i remembered yung boss ko dati na OZ.. when he bought our condo staff house sa BGC.. around 2004.. we went to Ayala's office and he swiped the payment.. US$150K yata that time..

Hindi kaya ng limit ko I bought the car in cash and I asked him kung pwede partial card (straight payment) and partial MC and he said kahit full sa card hindi din pwede.

BTW sa Pilipinas ang tipid nila sa credit limit no? Sa ibang bansa ang lalaki ng limit nila!

[_Qwerty_]

depende yan sa annual salary mo.. i know some na over 1M ang limit..

Hindi kaya ng limit ko I bought the car in cash and I asked him kung pwede partial card (straight payment) and partial MC and he said kahit full sa card hindi din pwede.

BTW sa Pilipinas ang tipid nila sa credit limit no? Sa ibang bansa ang lalaki ng limit nila!

[dr. d]

but what's the point in asking for a higher limit, if one don't use it on a regular basis, naman?

[_Qwerty_]

sabi nga.. it's better to be there when you need it..

but what's the point in asking for a higher limit, if one don't use it on a regular basis, naman?

[_Cathy_]

depende yan sa annual salary mo.. i know some na over 1M ang limit..

paano na kaya yan e jobless pa ko LOL! Dapat before I retire ma reach ko ang 7 digits hehe

but what's the point in asking for a higher limit, if one don't use it on a regular basis, naman?

proof of good credit standing or finances used for applications (loans or visas)

[dr. d]

proof of good credit standing or finances used for applications (loans or visas)

"the CC company offered to up my limit, even as i barely use my CC."

[_Cathy_]

"the CC company offered to up my limit, even as i barely use my CC."

Hindi kasi kami MD hehe

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[dr. d]

Hindi kasi kami MD hehe

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i suppose you're right.
they offer to up the limit for those whom they feel have the ability to use it to their benefit.

[_Qwerty_]

depende siguro sa CC.. yung BDO AMEX ko sobrang taas naman nang credit limit.. tong HSBC sobrang baba.. heheheh

[_Cathy_]

depende siguro sa CC.. yung BDO AMEX ko sobrang taas naman nang credit limit.. tong HSBC sobrang baba.. heheheh

Ah yes AMEX ko mataas din limit but that's a corporate card [emoji23]

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[BratPAQ]

yung hsbc ko naman more than 20 yrs na yata yun.. parati naman nila ni wa waive AF.. pero for the longest time hindi nila ni i increase ang credit limit.. nasa 200K lang yata..

recently i requested to increase yung credit limit kasi HSBC Gold na yung card tapos ang baba naman nang credit limit.. eh may balak ako pag gamitin na medyo malaki on installment.. aba decline daw yung request to increase.. sabi ko for the longest time ngayon lang ako nag request nang credit limit increase denied pa? eh kasi daw di ko naman daw ginagamit.. eh gagamitin ko nga kako kaya ako nag re request.. mag request daw ako ulit after 6 months.. ayun.. i closed the account.. nag apply ako ng Metrobank Platinum..

Did you closed the account on the same person who declined it?

[_Qwerty_]

yup pag sabi nya wait for 6 months and apply again for credit limit increase..

Did you closed the account on the same person who declined it?

[papi smith]

After getting a favorable reversal of AF, my CC was declined today. And I forgot to bring cash and my debit card also. Had to leave a lot of groceries at the cart at the supermarket. Hassle [emoji29]

[_Cathy_]

After getting a favorable reversal of AF, my CC was declined today. And I forgot to bring cash and my debit card also. Had to leave a lot of groceries at the cart at the supermarket. Hassle [emoji29]

Isa lang card dinadala mo? I always bring One visa and One Mastercard. Like sa Costco Visa lang pwede gamitin

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[papi smith]

I only have 1 card which I use to accumulate points, otherwise it's always cash, with debit card, and Gcash as backup. I forgot the first two and mala's walang GCash si South Supermarket.