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The Best CREDIT CARDS in the Philippines

binsyo · 49 · 10808

george88

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Reply #15 on: Jul 08, 2014, 05:17 PM
Well, I currently have a loan with SSS payable until next year pero other than that, I don't have any large liabilities in my account. I was rejected by Citibank, EW and BPI because of different reasons. Nagtataka lang ako sa EW kasi hinanapan nila ako ng statement of account from other CC. Does that mean that they're not open to new-to-card applicants? Unfair! :(

baka dineclare mo may other CC ka bakit ka hahanapan ng SOA kung wla kang CC else meron kang CC before... mahirap pag new applicant tapos new ka lang sa work mo antay ka ng next year yan maapprove ka na pero depende pa din... sabi ko nga may scoring yan lahat may factor dyan salary mo kung pasok ka ba sa minimum qualification halimbwa 180,000 annually ka pero nagrerent ka lang pala ng tinutuluyan mo.. Ang pinakamadaling diskarte na nagwork naman sakin is open a savings account maglagay ka regularly or magpark ka  kahit 20,000 lang stay with your job at least 1 year for sure approve ka dyan kahit saang bank hehe
« Last Edit: Jul 08, 2014, 05:22 PM by george88 »


neo

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Reply #16 on: Jul 08, 2014, 08:36 PM
This thread will be useful for me. I tried applying for a credit card but until now, every bank has rejected me. Mukha ba akong manggagantso? :(
Magdeposit ka po BDO and/or PNB ng 500k. Di mo na po kailangan mag-apply. Padadalhan ka po nila ng CC.


george88

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Reply #17 on: Jul 08, 2014, 08:41 PM
Magdeposit ka po BDO and/or PNB ng 500k. Di mo na po kailangan mag-apply. Padadalhan ka po nila ng CC.

Hahamabilis talaga yan kahit 100k nga eh hehe magulat ka na lang padadalhan ka pa ng CC


sj.unite

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Reply #18 on: Jul 09, 2014, 09:29 AM
baka dineclare mo may other CC ka bakit ka hahanapan ng SOA kung wla kang CC else meron kang CC before... mahirap pag new applicant tapos new ka lang sa work mo antay ka ng next year yan maapprove ka na pero depende pa din... sabi ko nga may scoring yan lahat may factor dyan salary mo kung pasok ka ba sa minimum qualification halimbwa 180,000 annually ka pero nagrerent ka lang pala ng tinutuluyan mo.. Ang pinakamadaling diskarte na nagwork naman sakin is open a savings account maglagay ka regularly or magpark ka  kahit 20,000 lang stay with your job at least 1 year for sure approve ka dyan kahit saang bank hehe

Wala akong dineclare kasi baka mas lalo akong mabadshot eh. Hahaha. Meron akong savings account at UITF sa BPI pero hindi pa din nila ako inapprove. Saka more than 1 year na ako sa trabaho ko eh. Labo gusto kong pasukin yung BPI tapos panoorin kung ano ginagawa nila. :( Anyway, ttry ko ulit mag-apply next year pag tapos na yung loan ko sa SSS.

Para di naman off-topic, gusto ko BPI dahil sa Petron ako nag gagas. Naenganyo ako sa gas rebate nila na CC. :D Saka based sa mga narinig kong feedbacks, maalaga naman sila sa mga clients nila (automatic waived ang annual fees, etc.)


Beannie

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Reply #19 on: Jul 09, 2014, 10:41 AM
There is a scoring point when applying credit card kahit nga may bank account ka sa kanila they will disapprove you for Credit card application unless its been 2 years of savings account... If your employed they will take a look on your tenure at your current job plus if your payslip is not loaded with SSS, PAGIBIG loan etc etc... So kahit you're earning 50k a month if makita naman nila net mo is less than 15k na lang they won't approve you.

Hmmm.. I think sometimes depende din tlga sa officer na naghahandle ng application mo. Kse when I applied sa BDO back then, ung kaltas lang sa payslip ko are taxes, and the usual gov't contributions (SSS, Philhealth, Pag-ibig), not renting a house too (living with relatives), had a car (fully owned, not mortgaged), if I remember correctly nag ne net ako nun ng mga 40k/mo. So overall if I assess myself at that time, I would say na I have a good credit score. The only thing was I don't have was an account with them. I got HSBC instead of BDO. Less hassle coz I got to talk to an agent (he paid me a visit sa office) and got the card aprrox. a week later.


mackygoof

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Reply #20 on: Jul 09, 2014, 12:37 PM

Para di naman off-topic, gusto ko BPI dahil sa Petron ako nag gagas. Naenganyo ako sa gas rebate nila na CC. :D Saka based sa mga narinig kong feedbacks, maalaga naman sila sa mga clients nila (automatic waived ang annual fees, etc.)

BPI is ok. my only problem is lack of security when using online. I had my brother given suplementary and he successfully used it to buy cebupacific ticket online. If sya nakapagbook, then it should easily get used by someone by just reading info at the back of the card. At least hsbc or citibank requires to enter password.

citibank ang daming marketing calls which i hate. useful outside the country.

hsbc naman, they do not have toll free when abroad. Had them call me but no avail.poor support.
they keep increasing also the credit limit each year. Mine already reach 500k+ credit. I'm asking them to lower to 100k but looks like their support is sh*t.
security is good though. I had registered my card on google play and they stopped my card because they can't reach me to verify that transaction.

had amex platinum before it was on bdo, everything was perfect until most places that i went to in US doesnt accept amex. hehe. so i had it cut. I like the free lounge in Naia.

So in short i'll go with BPI again if they put up some nice security when using online.
I usually go to places like china and creditcard fraud is an issue.


george88

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Reply #21 on: Jul 09, 2014, 02:21 PM
Wala akong dineclare kasi baka mas lalo akong mabadshot eh. Hahaha. Meron akong savings account at UITF sa BPI pero hindi pa din nila ako inapprove. Saka more than 1 year na ako sa trabaho ko eh. Labo gusto kong pasukin yung BPI tapos panoorin kung ano ginagawa nila. :( Anyway, ttry ko ulit mag-apply next year pag tapos na yung loan ko sa SSS.

Para di naman off-topic, gusto ko BPI dahil sa Petron ako nag gagas. Naenganyo ako sa gas rebate nila na CC. :D Saka based sa mga narinig kong feedbacks, maalaga naman sila sa mga clients nila (automatic waived ang annual fees, etc.)

Ay baka tanga yung approver nyan haha... san ka ba nagapply online or sa bank mismo?


ferrariEverest

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Reply #22 on: Jul 10, 2014, 03:12 AM
Magdeposit ka po BDO and/or PNB ng 500k. Di mo na po kailangan mag-apply. Padadalhan ka po nila ng CC.
Hindi ko nabasa lahat ng earlier posts.

Hindi kailangan ng P500k para magka-credit card. Mag-apply lang para sa secured credit card, magdeposit ng collateral (more or less P10k na ilalagay sa time deposit), at pwede ka na magka-credit card. Applicable ang ganito sa BPI.
« Last Edit: Jul 10, 2014, 03:13 AM by ferrariEverest »


ManilaBoy40

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Reply #23 on: Jul 10, 2014, 07:30 AM
BPI is ok. my only problem is lack of security when using online. I had my brother given suplementary and he successfully used it to buy cebupacific ticket online. If sya nakapagbook, then it should easily get used by someone by just reading info at the back of the card. At least hsbc or citibank requires to enter password.

So in short i'll go with BPI again if they put up some nice security when using online.
I usually go to places like china and creditcard fraud is an issue.

That's Where the BPI E-credit (Virtual) card is Use for, It's Always an Option to Request for One if it Hasn't Been Sent Automatically Yet Which in my Case It Was Without Requesting for it ...
« Last Edit: Jul 10, 2014, 07:31 AM by ManilaBoy40 »


mackygoof

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Reply #24 on: Jul 10, 2014, 11:36 AM
That's Where the BPI E-credit (Virtual) card is Use for, It's Always an Option to Request for One if it Hasn't Been Sent Automatically Yet Which in my Case It Was Without Requesting for it ...

you can use the e-credit or the normal credit card to make purchase.
Makes no sense to have e-credit except to restrict credit limit incase it got hacked online.
security risk because you often use the normal creditcard to make purchase on stores/shops,restuarants and they can just easily copy the details on your card and use it online. This is the reason online purchases using the creditcard requires password/secondary password for hsbc or secure token.
My DBS creditcard will send sms to my phone for one time pin. BPI security doesn't have those.


mackygoof

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Reply #25 on: Jul 10, 2014, 11:39 AM
i have ecredit and normal card of bpi before by the way.
I always buy stuff online but i hate it if the normal card can be used online easily.
security is important. Nasa huli ang pagsisisi if nahack


sj.unite

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Reply #26 on: Jul 10, 2014, 01:12 PM
Ay baka tanga yung approver nyan haha... san ka ba nagapply online or sa bank mismo?

Online sir since I don't have the time to go to their branches. I have a colleague who applied online and was approved. Kaya akala ko ok.

Again para di OT: What do you guys think of Unionbank CC? My mom has it for the longest time and I don't hear any complains coming from her, not like Citibank (dami daw hidden charges).


ManilaBoy40

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Reply #27 on: Jul 10, 2014, 01:45 PM
you can use the e-credit or the normal credit card to make purchase.
Makes no sense to have e-credit except to restrict credit limit incase it got hacked online.
security risk because you often use the normal creditcard to make purchase on stores/shops,restuarants and they can just easily copy the details on your card and use it online. This is the reason online purchases using the creditcard requires password/secondary password for hsbc or secure token.
My DBS creditcard will send sms to my phone for one time pin. BPI security doesn't have those.


All BPI cards have the EMV chip on it so it's not that easy to copy them and is one of the reason I prefer BPI cards compare to other local card issuers  who doesn't have it on their card yet ...


mackygoof

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Reply #28 on: Jul 10, 2014, 02:11 PM
All BPI cards have the EMV chip on it so it's not that easy to copy them and is one of the reason I prefer BPI cards compare to other local card issuers  who doesn't have it on their card yet ...

i didn't mean clone the physical card itself. i did mention security of that card to be used online. You don't really need to clone a card to make purchase online. Just creditcard number/expiration date which every waiters/cashier can see whenever you pay using your card. And details like home address/phone numbers can be easily searched at facebook or other means.

one can easily memorize the displayed information on the card, search for user's billing address somehow and phone on the internet and poof...they can use that to purchase cebupacific tickets :)
Wasting also your time complaining to bpi support that you didn't make that purchase and hoping that they remove that from your bill.

Some banks specially abroad sends sms whenever you have creditcard transactions which still not yet in PH.

obviously you like your BPI card. i like it too. Just that only flaw i didn't like which lead me to terminate it.
« Last Edit: Jul 10, 2014, 02:15 PM by mackygoof »


BrainDamage

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Reply #29 on: Jul 10, 2014, 03:36 PM
15 years na yung bpi ko,, wala pa ako naging problema.
Free for life na yung annual fee.
Mas madali nga mag apply noon kasi nung nag apply ako, wala ako maibigay
na mga requirements, pero after 3 months,
may tumawag ok na daw yung card.
Binigyan ako ng15k na credit limit,,, kuripot  :D
« Last Edit: Jul 10, 2014, 03:39 PM by BrainDamage »


 


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