All About Credit Cards in the Philippines

[ynallilaw]

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Credit cards let you borrow money from a bank under the agreement that you’ll repay it by your bill’s due date or incur interest charges.

The ability to buy now and pay later outmatches other forms of payment, such as debit cards or cash, which both require you to have the money available for payment at the time of purchase. In addition to having more flexibility with payments, credit cards help you to establish a credit score so you can qualify for other financial products, such as loans and mortgages. Source

So this thread should be all about Credit Cards in the Philippines such as BPI, BDO, Citi, PNB, RCBC, EastWest, Metrobank, Security Bank, Maybank, Bank of Commerce, China Bank and more. You can post here some of your experience in getting one, what are the perks of that card and some tips and tricks how you increased credit limit and some advices to new users of credit card. What is your first credit card and how did you get it? Lemme know by commenting below! Thanks!

Sa mga naghahanap ng mga legit agents ng mga bank na pwede niyo applyan, you can join this Facebook Group.

Sa mga nagbabalak mag apply ng CITI bank credit card, you can try my referral link HERE!

 

[ynallilaw]

As of today, I only have 2 credit cards. Got my first credit card sa PNB Last July 2021 and got RCBC Bankard nung February 21, 2022 lang. Same lang sila ng limit. Yung PNB cc ko, nag apply ako sa agent lang thru FB. Nag open ako ng account sa PNB ng savings account and may maintaining balance na 3,000 pesos then submitted my infos sa isang PNB employee and after some declines, naapproved din. Then yung RCBC ko, I applied thru their website which I used my PNB CC as a reference card, then after a month, I got approved. Same sila ng limit.

 

[homie]

Sir, hangang magkano limit kapag first time mag apply ng CC?

 

[tatine1968]

Update 11/01/2022

I also now have;

Unionbank classic - no annual fee for life, perks is every time na gamitin sya, mag eearn ng points and Play Codes. Play Codes can be used sa online game nila for a chance to win some prizes. Ganitong ganito yung play codes ng Citi. I guess ginaya nila yung Citi after nila ito ma acquire.


RCBC Flex - no annual fee for life, perks is UnliPay nila. Same lang ng sa Citi PayAll, that you can send money sa ibang bank accounts. Earn points din.

Citi Cashback - earn Cashback points, pero may annual fee sya na 4500. I'm planning to close this in the future.

So bali may 6 credit cards na ako. Ang madalas ko lang gamitin is UnionBank classic, Citi Rewards, and yung RCBC Flex ko.

I have 3 Credit cards.
BPI Blue Mastercard - no perks, pangit to, my first cc
Citi Simplicity - no annual fee forever
Citi Rewards - no annual fee forever din, no expiring reward points, then pwede ka pa mag send ng payment from this credit card to other bank accounts, as if it's a debit card! They call it CitiPayAll. May fee sila minsan, but as of this writing, walang fee ang pag gamit ng CitiPayAll.

Post automatically merged: Mar 29, 2022

FYI lang sa iba na need tumawag sa BPI, CITI, EASTWEST bank to waive their annual fees.

You can call them using Viber app for free!



BPI +18002251202 or +18666989100

Citibank +18002484263

EastWest +18668286296



Credits po sa reddit post kuroneko79

 

[zehel7]

Sir, hangang magkano limit kapag first time mag apply ng CC?

Based sa experience yung unang card ko 20k ang starting limit depende pa din sa bank pero it ranges from 10k to 18k example yung Bpi 10k tapos yung Unionbank ay 18k

 

[Arminz]

I have 3 Credit cards.
BPI Blue Mastercard - no perks, pangit to, my first cc
Citi Simplicity - no annual fee forever
Citi Rewards - no annual fee forever din, no expiring reward points, then pwede ka pa mag send ng payment from this credit card to other bank accounts, as if it's a debit card! They call it CitiPayAll. May fee sila minsan, but as of this writing, walang fee ang pag gamit ng CitiPayAll.

Post automatically merged: Mar 29, 2022

FYI lang sa iba na need tumawag sa BPI, CITI, EASTWEST bank to waive their annual fees.

You can call them using Viber app for free!



BPI +18002251202 or +18666989100

Citibank +18002484263

EastWest +18668286296



Credits po sa reddit post kuroneko79

PAMBIHIRA. Pwede pala tawagan yung BPI through viber ng libre? Haayayayay. Last month tinawagan ko BPI inabot ng almost 300 pesos load ang naubos ko para lang malinawan ako sa concern ko. Yun pala pwede sa viber haha. Thank you sa pag share niyan!

Edit: Paano po tawagan yung BPI through viber? Sinusubukan ko po mag add to contact yang numbers ng bpi pero sabi "This contact doesn't have viber yet"

 

[luckygucci]

Any advice guys.. Been trying to apply for the past years already. I always got rejected. I think one of the reasons I got rejected is that I have late payments with my Car Loan before.

Does anyone know how can I resolve this? Thanks!

 

[zehel7]

PAMBIHIRA. Pwede pala tawagan yung BPI through viber ng libre? Haayayayay. Last month tinawagan ko BPI inabot ng almost 300 pesos load ang naubos ko para lang malinawan ako sa concern ko. Yun pala pwede sa viber haha. Thank you sa pag share niyan!

Edit: Paano po tawagan yung BPI through viber? Sinusubukan ko po mag add to contact yang numbers ng bpi pero sabi "This contact doesn't have viber yet"

Gumagana naman sakin sir paste mo lang as is sa dialer ng viber

 

[tatine1968]

PAMBIHIRA. Pwede pala tawagan yung BPI through viber ng libre? Haayayayay. Last month tinawagan ko BPI inabot ng almost 300 pesos load ang naubos ko para lang malinawan ako sa concern ko. Yun pala pwede sa viber haha. Thank you sa pag share niyan!

Edit: Paano po tawagan yung BPI through viber? Sinusubukan ko po mag add to contact yang numbers ng bpi pero sabi "This contact doesn't have viber yet"

Ang alam ko sir, wag mo iadd as contact, dapat itype mo lang yung number as is. May + sa unahan then 1800 numbers na.

Edit: ayun ginawa ni poster sa taas sir with screenshots.

 

[ynallilaw]

Sir, hangang magkano limit kapag first time mag apply ng CC?

First and 2nd cc ko ay 20k an limit pero depende po yan sa income documents na ipapasa mo.

Post automatically merged: Mar 29, 2022

Any advice guys.. Been trying to apply for the past years already. I always got rejected. I think one of the reasons I got rejected is that I have late payments with my Car Loan before.

Does anyone know how can I resolve this? Thanks!

Have you tried PNB? Ako din puro minimum binabayaran ko sa BPI SC ko dati tas pinacut ko. Then I applied PNB, sabi ng PNB employee saken na nakausap ko sa FB ay magopen ako ng account tas maintain ko 3k minimum deposit for 1 onth hen nag apply ako sa kanya then naapproved. Ang mga nababasa ko pinakamabait si PNB sa mga first timer or wala pang credit history. Pero since may car loan k naman naman na and may credit history or redit score ka na, you should try PB

 

[luckygucci]

First and 2nd cc ko ay 20k an limit pero depende po yan sa income documents na ipapasa mo.

Post automatically merged: Mar 29, 2022

Have you tried PNB? Ako din puro minimum binabayaran ko sa BPI SC ko dati tas pinacut ko. Then I applied PNB, sabi ng PNB employee saken na nakausap ko sa FB ay magopen ako ng account tas maintain ko 3k minimum deposit for 1 onth hen nag apply ako sa kanya then naapproved. Ang mga nababasa ko pinakamabait si PNB sa mga first timer or wala pang credit history. Pero since may car loan k naman naman na and may credit history or redit score ka na, you should try PB

Nice! Try ko yan. Dami nga ako nababalitaan na maganda nga daw ang PNB pati din pala sa CC application. Sige po. Subukan ko to na method. Salamat!

 

[ynallilaw]

Nice! Try ko yan. Dami nga ako nababalitaan na maganda nga daw ang PNB pati din pala sa CC application. Sige po. Subukan ko to na method. Salamat!

Yes, if you want meron ding group sa FB about CC’s. Maganda talaga ang PNB, yung Zelo NAFFL siya

 

[Arminz]

Gumagana naman sakin sir paste mo lang as is sa dialer ng viber

Ayuuun thanks. Ina add to contact ko kasi. Gagawin ko yan

Post automatically merged: Mar 30, 2022

Ang alam ko sir, wag mo iadd as contact, dapat itype mo lang yung number as is. May + sa unahan then 1800 numbers na.

Edit: ayun ginawa ni poster sa taas sir with screenshots.

Onga po. Thanks thanks

Post automatically merged: Mar 30, 2022

Meron ako nabasa, although hindi ko alam kung working ba yun sa atin, pero ganito

Meron kang 1st cc. Yang first cc mo ang ipangbibili mo sa lahat ng transactions. Yan ang may utang

Tapos kukuha ka ng panibagong cc. Yung 2nd cc mo ang gagamitin mo para bayaran ang lahat ng utang ni 1st cc. Tapos babayaran mo din si 2nd cc mismo. Gets niyo po?

That way, laging bayad yung utang ni 1st cc using 2nd cc, tapos babayaran mo ng cash or own money mo si 2nd cc.

So 2 in 1 yung credit score mo na nabi build.

Sa ngayon BPI MC Gold yung cc ko. Tapos inaalok ako ng citibank free anual. Iniisip ko gawin yan kung pwede haha

 

[homie]

Based sa experience yung unang card ko 20k ang starting limit depende pa din sa bank pero it ranges from 10k to 18k example yung Bpi 10k tapos yung Unionbank ay 18k

Yung Credit score ko dito sa ibang bansa mag reflect din kaya dyan sa Pinas?

 

[ynallilaw]

Ayuuun thanks. Ina add to contact ko kasi. Gagawin ko yan

Post automatically merged: Mar 30, 2022

Onga po. Thanks thanks

Post automatically merged: Mar 30, 2022

Meron ako nabasa, although hindi ko alam kung working ba yun sa atin, pero ganito

Meron kang 1st cc. Yang first cc mo ang ipangbibili mo sa lahat ng transactions. Yan ang may utang

Tapos kukuha ka ng panibagong cc. Yung 2nd cc mo ang gagamitin mo para bayaran ang lahat ng utang ni 1st cc. Tapos babayaran mo din si 2nd cc mismo. Gets niyo po?

That way, laging bayad yung utang ni 1st cc using 2nd cc, tapos babayaran mo ng cash or own money mo si 2nd cc.

So 2 in 1 yung credit score mo na nabi build.

Sa ngayon BPI MC Gold yung cc ko. Tapos inaalok ako ng citibank free anual. Iniisip ko gawin yan kung pwede haha

actually yan ginagawa ko haha. Yung utang ko sa PNB Zelo ko sa 2nd CC ako kumukuha ng pambayad which is sa RCBC bankard ko. Kincashout ko yung RCBC limit ko sa grab then shopee pay then to my cash or bank account and pay my bills sa First CC

Yung Credit score ko dito sa ibang bansa mag reflect din kaya dyan sa Pinas?

I dont think so po.

 

[ynallilaw]

Hello! Anyone here got preapproved BPI Credit card? Any tips kung pano maging preapproved?

 

[Arminz]

Hello! Anyone here got preapproved BPI Credit card? Any tips kung pano maging preapproved?

Sakin po dati, BPI lang mismo yung nag alok sa akin ng credit card. Pag nakita po nila na may laman yung account mo, sila po mismo yung mag o offer ng cc. Tapos dipende po sa laman ng account o pumapasok at lumalabas na amount, yung ino offer nilang credit limit. Based po sa experience ko

Isa lang po cc ko, yung BPI. First time ko po. Tapos ang binigay na cc sa akin ay yung Gold. 6 years narin po sa akin yung card ko, nakapag renew narin ako

So siguro para ma preapproved ka nila, maganda may laman po muna yung account mo ng ilang panahon at ma maintain mo po iyon

 

[ynallilaw]

Sakin po dati, BPI lang mismo yung nag alok sa akin ng credit card. Pag nakita po nila na may laman yung account mo, sila po mismo yung mag o offer ng cc. Tapos dipende po sa laman ng account o pumapasok at lumalabas na amount, yung ino offer nilang credit limit. Based po sa experience ko

Isa lang po cc ko, yung BPI. First time ko po. Tapos ang binigay na cc sa akin ay yung Gold. 6 years narin po sa akin yung card ko, nakapag renew narin ako

So siguro para ma preapproved ka nila, maganda may laman po muna yung account mo ng ilang panahon at ma maintain mo po iyon

Hello, may I know kung malake laman ng avings mo sa kanila? I have an account with them for 6 years na. Maganda pasok at labas ng pera or cash flow ng account ko dahil dun ko sinesend sweldo ko as freelancer. Like twice a month po pasok ng pera dun pero wala padin alok haha. Kamusta naman po ang inyong CL? agincrease na ba? Matagal na CC mo sa kanila a. Bat ayaw mo dagdagan?

 

[Arminz]

Hello, may I know kung malake laman ng avings mo sa kanila? I have an account with them for 6 years na. Maganda pasok at labas ng pera or cash flow ng account ko dahil dun ko sinesend sweldo ko as freelancer. Like twice a month po pasok ng pera dun pero wala padin alok haha. Kamusta naman po ang inyong CL? agincrease na ba? Matagal na CC mo sa kanila a. Bat ayaw mo dagdagan?

That time po na inalok nila ako, na maintain ko po noon yung around 60k or more na balance. Di po bumababa jan. 2 years akong BPI account holder at ika-2nd year naman nung ma-maintain ko yung balance na yon bago nila akong inalok ng CC.

Regarding credit limit, yung alok po kasi agad sa akin ay CC Mastercard Gold. Mataas na kasi agad yung limit, up to 200k agad binigay. Ewan ko kung bakit di nag i increase, pero so far di ko naman need mag increase kasi wala naman ako pag gagamitan. So far na-maintain ko yung CS ko, sinisigurado na wala ako utang at bayad lahat. Diskarte ko din na yung bibilin ko ng cash o babayaran ng cash gaya ng grocery, gas, meralco bill, etc, ike-credit card ko tapos babayaran ko din agad para wala ko utang at dagdag reward points at score hekhek

Plan ko narin dagdagan, yung citibank, no annual fee nila. Kaya napatanong din ako nung nakaraan dito tungkol doon

 

[ynallilaw]

That time po na inalok nila ako, na maintain ko po noon yung around 60k or more na balance. Di po bumababa jan. 2 years akong BPI account holder at ika-2nd year naman nung ma-maintain ko yung balance na yon bago nila akong inalok ng CC.

Regarding credit limit, yung alok po kasi agad sa akin ay CC Mastercard Gold. Mataas na kasi agad yung limit, up to 200k agad binigay. Ewan ko kung bakit di nag i increase, pero so far di ko naman need mag increase kasi wala naman ako pag gagamitan. So far na-maintain ko yung CS ko, sinisigurado na wala ako utang at bayad lahat. Diskarte ko din na yung bibilin ko ng cash o babayaran ng cash gaya ng grocery, gas, meralco bill, etc, ike-credit card ko tapos babayaran ko din agad para wala ko utang at dagdag reward points at score hekhek

Plan ko narin dagdagan, yung citibank, no annual fee nila. Kaya napatanong din ako nung nakaraan dito tungkol doon

Nice NICE! Try mo din RCBC sir, maganda feature nila na unli installment. And maganda daw magbigay sila ng CL increase. 2nd month palang kase ako sa anila. And maganda talaga unli installment nila promise! Pwede mo iconvert lahat ng mga purchases mo into installment using app nila. Mabilis lang.