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pano po b makakuha ng credit card?

driefbay · 141 · 62317

driefbay

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on: Jul 30, 2008, 02:51 PM
anu po b kelangn para makapag open ng credit card? anu po ung salary requirements? ang mamahal kc nung natanung ko at least 120 thou dw dapat sweldo ko monthly. first time ko plng po n kukuha.pwde b makakuha kahit ndito ko sa saudi?


ferrariEverest

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Reply #1 on: Jul 31, 2008, 11:37 PM
depende sa c.card na iaavail mo...

ako unemployed. nag bigay ako ng collateral kumbaga. NO OTHER chechebureche requirements.......  :applause:
collateral na pera na nasa time deposit(syempre d pwede galawin habang hawak/gamit mo ang credit card). yan ang requirement ko nung kumuha ako ng credit card about 2.5yrs ago. i still have my credit card hanggang ngayon.
Ask your bank kung available yung ganitong option. not sure about yung sa saudi issue.

my bank is B** Fam*ly bank...


danlop62

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Reply #2 on: Aug 01, 2008, 04:23 AM
sa US the fastest way to have a credit card is to put up a collateral in the form of CD, so ang credit limit mo ay whatever amount na inilagay mo sa CD.  Then later on if you have enough credit history, credit card companies will start offering you their credit cards.  For first time applicant ng credit card, it is normal nga that they will ask for your employment, its just logical that they want to make sure that you have the capacity to pay your credit card.

But watch out man, credit card is good for those who knows how to use it, otherwise you'll be in big trouble.  


Psycroptic

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Reply #3 on: Aug 01, 2008, 09:20 AM
parang sa Citibank madali lang, pero depende sa sahod monthly yung credit limit ata... kasi nabigyan na ako date, kinulit lang ako... pero di ko din ginamit yun credit card for a year... kaya pina cancel ko din...


jhay18

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Reply #4 on: Aug 01, 2008, 09:30 AM
mali yata, ang alam ko minimum salary requirements for applying a credit card is 120K annual na po yun hin di po monthly.

If you have money naman used for collateral metrobank will give you Value mastercard, pero as per ferrariEverest hindi mo nga pwedeng galawin yung deposits mo hanngang nasa iyo yung credit card, i suggest try mo sa BPI family bank.


pachira

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Reply #5 on: Aug 01, 2008, 10:43 AM
wow may natutunan ulit ako sa credit card.pwede pala collateral. pwede ba mutual funds kaya as collateral? or properties like kotse?




jhay18

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Reply #6 on: Aug 01, 2008, 12:09 PM
mutual fund im not sure if you can use it as collateral but as long its a bank product you can inquire it to the branch if you can use it as collateral. kotse? medyo hindi ata, pwede lang yata yan pag personal loan.

BPI has this Express start program, Deposit atleast 10K, no more CI no other documents needed, and your good to go with your BPI Credit card (anytype your choice) Your Credit Limit is 80% of your deposit, your deposit will still earn interest so better put it on time deposit, You are allowed to close the deposit account one year after the issue of credit card. But still pending for approval of credit commitee of BPI credit card, so you can still use the card after mo mawithraw yung deposit hold out.

just my 2 cents.


tops5450

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Reply #7 on: Aug 01, 2008, 03:05 PM
If I were you kabayan, ganito ang gawin mo. Kung may misis ka diyan sa pinas, pakisuyuan mo na mag-invest in any mutual fund diyan sa hsbc na minimum worth of 100k. Then pagkatapos pag-aplayin mo ng credit card siya at gawin ka niyang supplementary card holder since nasa saudi ka nga naman. Kapag dumating na ang credit niyo at napa-activate na, sabihan mo sa kanya na ipadala ang iyong credit card diyan sa saudi. At automatic ay magagamit mo na iyang credit card mo. Wala pang ka-hasle hasle iyan kc iyang mf they treat it as your collateral and at the same time, nag-iinvest ka narin for a start. Di ka na nila gaano hahanapan ng kung anu-ano pa. My 3 cents.


jhay18

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Reply #8 on: Aug 01, 2008, 06:17 PM
^ kapag ba ganyan sigurado na maaaprove ka? diba kelangan mo pa rin mag pass ng requirements for this? like ITR or payslip?
« Last Edit: Aug 01, 2008, 06:34 PM by jhay18 »


Ping

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Reply #9 on: Aug 01, 2008, 07:28 PM
Alam ko, sa MetroBank, pwede ring ganyan, "collateral" style.  Kung magkano ang ilagay mo sa TD nila, yun ang credit limit mo.

I suggest you get your first cc thru that method, build up your credit worthiness, then apply for your succeeding cards using your first cc as the record.  Kasi yung first card lang naman ang medyo mahirap makakuha eh.



 :hello:


lilywhite

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Reply #10 on: Aug 01, 2008, 07:56 PM
wow! thanks po sa mga nag-share :) i learned something new  :applause:


learn2liv

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Reply #11 on: Aug 01, 2008, 08:45 PM
 :hello:
so far ang minimum ANNUAL salary pong required to open a CC is P120,000.00 pa rin for classic cards..

dapat po yata existing depositor ka na sa BPI for more than 6 months before you can ask for a credit card gaya ng sinasabi ni jhay18..

I suggest kung hindi po employed si wife eh mag-collateral na lang then after a year pwede na ulit mag-apply sa iba ng CC gaya ng citibank, hindi na po sila humihingi ng maraming requiements kung may existing card ka na..




tops5450

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Reply #12 on: Aug 02, 2008, 12:34 AM

So far noong nag-apply kami this year using that strategy everything went smoothly. Not unlike metrobank, kahit may time deposit ka sa kanila ang liit ng chances mong ma-approved and besides andami pang pasikot sikot at kung anu-ano pang hinayupak na papeles ang pinaghahanap.


driefbay

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Reply #13 on: Aug 02, 2008, 05:43 AM
yah.thanks to you guys! actually naalala ko n n pwede nga pala sa bpi ung collateral muna.10 k deposit mo sa knila then un n ung limit mo.wala pa po ako misi.binata pa po.madlai lng nmn kc mag asawa pag me pera na eh.hehehe.
salamt po sa mga tulong ninyo.sana po pagpalin ako ng dyos sa pakikibaka ko dito sa kaharian ng saudi arabia..treat ko kayo.

wala parin po b makakapagbigay sakin ng idea kung san ako makakapagloan even 300thou having a 100k collateral?ayaw nyo b talaga ng 10k n pabuya ko???ok cge...15 thousand pesos n pabuya ko..totoo yan.direct bank transfer sa account nyo.


eng777

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Reply #14 on: Aug 04, 2008, 10:49 AM
yung collateral method ba will work kahit na nagkaron ng bad credit record?

9 yrs ago kasi yung preapproved na visa card ng citibank without giving me my PIN yet nanganak ng kung anuanong cash advances. so sinisingil nila ako for the credit that i never really used. that visa card was given based on my mastercard's good credit record. pero mula ng naactivate na yung visa card, dun na nagkaron ng problema with both cards. to make it worse, yung mastercard ko hindi nila napopost payments made thru citytrust kasi pasara na sila nun at nagkaron raw citibank problem with that bank. i made a written complaint to citibank addressed to their VP Marketing. and they validated that never you could execute a cash advance without your PIN provided by the bank. they promised an investigation na hindi naman nangyari kahit kelan. when they brought the issue to their collection agency (a law firm), i decided to get my own lawyer to represent me. kasi i really don't want to pay for credits i never really executed and for something i have already paid. eventualy tumigil na citibank maningil pero di rin naman nila nilinis credit record ko. a couple of years after namatay naman lawyer ko so wala na rin lahat ng written replies ng citibank saka lahat ng documents relevant to that.

anyway, that's water under the bridge. kailangan ko uli ng credit card ngayon kasi medyo napapadalas out-of-the country ako. ang hirap din pag wala credit card kasi pag kakapusin ako ng pera nagpapadeposit pa ko sa account ko. gusto ko sana malaman kung yung collateral method ay magwowork this time. advice please. thanks.

 
« Last Edit: Aug 04, 2008, 10:52 AM by eng777 »


 


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