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Help: About Secured Credit Cards

DiEnd · 28 · 17767

DiEnd

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on: Apr 06, 2009, 05:17 PM
Hi Guys! Pa help naman po sana about acquiring a Secured Credit Cards. I have all the requirements (pati pang deposit) kaso wala akong ITR and any financial documents as of now. Tumawag ako sa HSBC kaso line got cut off and tumatawag lang ako via cp. Ask ko sana kasi may offer ang HSBC na TV na gusto ko sana kaso di ko alam kung kasama yung promo na yun pag secured CC ang kinuha mo. Anyway I'm torn kasi kung HSBC or BPI. Mukha daw kasing mas mabilis at wala ng hinihingi pang ibang documents sa BPI di ko lang alam kung ganun din sa HSBC. Ask ko lang kung may nakapagopen na ng HSBC secured and kung ano yung hinihingi nilang requirements at kung mabilis lang. Thank you Guys!   :thankyou:


jhay18

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Reply #1 on: Apr 08, 2009, 07:09 PM
I used to have Metrobank secured card, yeah wala ng hininging ITr or any documents yung deposit mo lang to open the account, I heard BPI and HSBC have the same product, if its secured by deposit wala nang requirements i think, balitaan mo kami once you open one, Piece of advice lang, Use credit card wisely. and always pay it in full when the bills arrived.


Mr_Rony

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Reply #2 on: Apr 10, 2009, 08:51 PM
jhay18 sa Metrobank ba you become pre-qualified for a regular credit card after maintaining a secured card in good standing for a year? Gusto ko kasi magkaroon nung M Free card nila kaso wala akong ITR. Kahit 3 na ang credit cards ko from other banks hinahanapan pa rin ako ITR ng Metrobank eh. TIA.


Ping

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Reply #3 on: Apr 10, 2009, 10:01 PM
Opo, ingat lang po sa paggamit ng credit card.  Madali pong mangutang, pero ang pagbayad ang ingatan....

@Mr_Rony, ang alam ko, try to get a secured cc sa Metrobank.  Then if they see you are always paying on time, baka pwede ka na nilang bigyan ng tunay na cc.


 :cool2:


jhay18

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Reply #4 on: Apr 11, 2009, 11:10 AM
Mr_Rony after a year kasi pinaka cancel ko na, takot magbayad ng annual (hahahhaha). I called the hotline kung paano magiging regular card yung secured card ko sabi, ill have to fill up form daw and just do the normal application which is i did naman, and Bump! Declined application ko :hihi:, take note i always pay my bills Full payments every due date, no matter 5K or 20K pa yan buo ko talaga binabayan on due date monthly and consistently using the card for points.

Di ko alam why declined, to think malaki yung savings ko sa metrobank account ko.


Oh well okay lang may isa pa naman ako card, Its their lose not mine.


Mr_Rony

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Reply #5 on: Apr 12, 2009, 12:39 PM
^Ganon??? You maintained a secured card for a year, always paid on time, and after that dumaan ka pa rin sa normal screening at declined pa din? How ridiculous! It defeats the whole purpose of secured credit entirely. Kaya nga nauso ang secured credit sa ibang bansa eh, for one to have a chance to build himself a good credit history and be qualified for regular credit, tapos dito pala sa tin hindi ganon. Anong silbi ng secured credit na yan? (Di ako galit hehehe!)

Sa BPI ganun din daw. May kilala ako 3 years na secured card nya, pinapadaan pa din sya sa normal application process for a regular card. Walang silbi talaga.  :bahalaka:


jhay18

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Reply #6 on: Apr 12, 2009, 09:23 PM
« Last Edit: Apr 12, 2009, 09:25 PM by jhay18 »


DiEnd

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Reply #7 on: Apr 17, 2009, 02:42 PM
Uy! thanks sa reply guys! and Ping don't worry, kaya din secured credit card ang kukunin ko. Mukhang sa unionbank na lang ako kukuha ng card any feedback abut them guys? Thank you very much talaga  :thankyou:


dalee

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Reply #8 on: Apr 19, 2009, 08:08 PM
my first credit card is hsbc red which is secured, I always pay in full, after more than a year i apllied bpi cc, approved, no documents  :hihi:


DiEnd

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Reply #9 on: Apr 19, 2009, 10:47 PM
Wow good for you dalee :applause: Ok din kaya ang unionbank visa classic? I tried HSBC and ito reply nila sa email ko.


Dear Sir/Madame

Thank you for your email of 07 April 2009.

We wish to clarify that you need to open a PowerVantage account for you
to qualify for a Secured Card. You may open a PowerVantage Account with
a minimum Total Relationship Balance (TRB) of PHP100,000 or its foreign
currency equivalent.

I asked them what happened dun sa 12,500 pesos lang to use as collateral kaso yan din ang nireply nila. Sa UnionBank open lang daw ako time deposit then bigyan na nila ako ng card.  :rakenrol:


dalee

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Reply #10 on: Apr 22, 2009, 07:49 PM
@DiEnd
ganun? nagbago na sila?! hehehe  wala pang 100k yung dineposit ko dati, nakaTD, balak ko na nga ipull-out kasi liit lng ng interest e meron ng akong regular cc kaya di ko na din gaano gnagamit yun hsbc


khristiannnn

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Reply #11 on: May 17, 2009, 01:46 PM
tanong lang, wala bang age requirement para sa secured credit cards? anong banks ang may mas malaking credit limit? sabi kasi ng friend ko sa BPI daw as low as 50% yung possible na maging credit limit mo. any help?

anong banks ang mai-aadvise nyo sa akin? :D:D

TIA


Ping

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Reply #12 on: May 17, 2009, 05:38 PM
Alam ko, wala naman age limit.  Usually, sa secured credit card, your money to be deposited will "dictate" how much your credit limit will be.


 :hello:


Mr_Rony

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Reply #13 on: May 22, 2009, 11:24 AM


sexyladyanne

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Reply #14 on: Sep 13, 2009, 12:13 AM


 


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