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All About Credit Cards in the Philippines

ynallilaw

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sino may citi cc dito? Tagal na akong nag aapply sa kanila and auto declined. Pero last friday ng gabe around 8:30pm may nakita akong ads nila sa FB and nagtry ulet ako mag apply (last declined was 1 month ago). And naka abot ako dun sa uploading ng docs pero ID lang hiningi saken. Pero nung nag aapply ako auto declined ako, di ako umaabot sa uploading ng docs. And kanina lang umaga, sunday 10:00am nag call citi saken, tinanong lang birthday ko and kung anong preferred delivery address ko. Dati kase kapag tumatawag sila saken, sinasabi nila na try ko daw mag apply after 6 months kase kakadeclined ko lang. pero now, tinanong lang bday and delivery address ko. May chance kaya?

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wamiruk

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pa subcribe TS.. nabigyan ako ng CC galing sa PNB kasi may ka kilala ako na matagal na ako pinipilit mag apply. na approve naman PNB Mabuhay Miles na CC yung na issue sa akin. minsan ko lang din naman magamit.
 

ynallilaw

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pa subcribe TS.. nabigyan ako ng CC galing sa PNB kasi may ka kilala ako na matagal na ako pinipilit mag apply. na approve naman PNB Mabuhay Miles na CC yung na issue sa akin. minsan ko lang din naman magamit.
Wow nice, ilan ang CL? 20k lang saken na Zelo. Alagaan mo yan.
 

wamiruk

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Wow nice, ilan ang CL? 20k lang saken na Zelo. Alagaan mo yan.

Nung binigay sa akin sir 200k ang CL. di ko naman masyado ginagamit..pang emergency lang...nung ginamit ng pinsan ko pang bayad ng installment na phone tinaasan ng PNB hanggang 290k.
 

tatine1968

 
 
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Guys question, I got approved sa RCBC Flex.

Ano ba meaning pag sinabing, may access daw sa Airport Lounge?

Meaning ba nun, di na ako mag babayad para makapasok sa Lounge na yun?
 

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ynallilaw

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View attachment 9865
Na qualify pa ako sa NAFFL ng UnionBank.
Wow sana all. Kakaapproved din ako sa UB Lazada. 3k ang AF pero ok naman kase 88k binigay na cl. Sana mapawaive ko after a year. Kung ayaw nila iwaived, then sana may other option.
Guys question, I got approved sa RCBC Flex.

Ano ba meaning pag sinabing, may access daw sa Airport Lounge?

Meaning ba nun, di na ako mag babayad para makapasok sa Lounge na yun?
Yes po walang bayad pag papasok ka po sa Lounge ng airport.
 

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I never was attracted to using CC ever since pero there are times na need talaga sya as MOP kasi hilig ko mag shop online na unavailable ung mga items dito sa Philippines so I had no choice but to borrow my wife's CC. I tried applying for one with Citibank a few years back but got denied so lalo akong nawalan ng interest. Unlike sa US kasi na kahit sino e pwede mag apply ng CC and hindi naman big deal, dito sa Pinas iba -- parang if you have it, you have the means talaga.

After a while, I have decided to apply for one this time sa mother bank ko na (BDO where majority of my funds reside as well as dito din home loan namin). Two months ago pa to when I applied and di ko na inasikaso. Then nung Wednesday, I stumbled upon a post from PNB employee in our community so nag apply din ako sa kanya and told her that I was declined few years back. Ihe-help daw nya ako. So ayun na nga.

Lo and behold! I just received a text message from BDO that my approved CC is going to be delivered within a week na! LOL! At the same time, katatapos ko rin virtual interview ko with PNB. So ayun sinabi ko kay employee na approved ako with BDO so smooth nalang tong PNB. Sabi ko push through pa rin and nag open na rin ako ng acct sa kanila. Gold VISA and Mastercard ang binigay ni BDO saken. As for the CL, I'll have to check pa once I receive the cards.
 

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I never was attracted to using CC ever since pero there are times na need talaga sya as MOP kasi hilig ko mag shop online na unavailable ung mga items dito sa Philippines so I had no choice but to borrow my wife's CC. I tried applying for one with Citibank a few years back but got denied so lalo akong nawalan ng interest. Unlike sa US kasi na kahit sino e pwede mag apply ng CC and hindi naman big deal, dito sa Pinas iba -- parang if you have it, you have the means talaga.

After a while, I have decided to apply for one this time sa mother bank ko na (BDO where majority of my funds reside as well as dito din home loan namin). Two months ago pa to when I applied and di ko na inasikaso. Then nung Wednesday, I stumbled upon a post from PNB employee in our community so nag apply din ako sa kanya and told her that I was declined few years back. Ihe-help daw nya ako. So ayun na nga.

Lo and behold! I just received a text message from BDO that my approved CC is going to be delivered within a week na! LOL! At the same time, katatapos ko rin virtual interview ko with PNB. So ayun sinabi ko kay employee na approved ako with BDO so smooth nalang tong PNB. Sabi ko push through pa rin and nag open na rin ako ng acct sa kanila. Gold VISA and Mastercard ang binigay ni BDO saken. As for the CL, I'll have to check pa once I receive the cards.
congrats bossing,,and welcome sa UTANG Club :lol:
 

tatine1968

 
 
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I never was attracted to using CC ever since pero there are times na need talaga sya as MOP kasi hilig ko mag shop online na unavailable ung mga items dito sa Philippines so I had no choice but to borrow my wife's CC. I tried applying for one with Citibank a few years back but got denied so lalo akong nawalan ng interest. Unlike sa US kasi na kahit sino e pwede mag apply ng CC and hindi naman big deal, dito sa Pinas iba -- parang if you have it, you have the means talaga.

After a while, I have decided to apply for one this time sa mother bank ko na (BDO where majority of my funds reside as well as dito din home loan namin). Two months ago pa to when I applied and di ko na inasikaso. Then nung Wednesday, I stumbled upon a post from PNB employee in our community so nag apply din ako sa kanya and told her that I was declined few years back. Ihe-help daw nya ako. So ayun na nga.

Lo and behold! I just received a text message from BDO that my approved CC is going to be delivered within a week na! LOL! At the same time, katatapos ko rin virtual interview ko with PNB. So ayun sinabi ko kay employee na approved ako with BDO so smooth nalang tong PNB. Sabi ko push through pa rin and nag open na rin ako ng acct sa kanila. Gold VISA and Mastercard ang binigay ni BDO saken. As for the CL, I'll have to check pa once I receive the cards.
Congrats sir! Nice to see you here 💪😂
 

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Congrats sir! Nice to see you here 💪😂
Can't relate dati e until now haha!

Meanwhile, I wanna ask since your know-how all about CC is deep. I've read in the first page of this thread ung diskarte na ipambayad mo sa 1st cc mo ung 2nd. Pero I'm not sure how to cash out the funds from 2nd cc. I understand na one way was thru GrabPay. But as I checked just now, di na transferrable funds cashed in from cc. Any tricks up your sleeves?
 

tatine1968

 
 
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Can't relate dati e until now haha!

Meanwhile, I wanna ask since your know-how all about CC is deep. I've read in the first page of this thread ung diskarte na ipambayad mo sa 1st cc mo ung 2nd. Pero I'm not sure how to cash out the funds from 2nd cc. I understand na one way was thru GrabPay. But as I checked just now, di na transferrable funds cashed in from cc. Any tricks up your sleeves?
Ang way nalang ngayon na no fee/libre, as far as I know, is either thru Citi credit card using what they call Citi PayAll, or yung RCBC UnliPay.


Citi PayAll and Rcbc Unli Pay, if meron kang Any citi or rcbc credit card, you can use it to transfer/pay funds to any Bank Accounts except accounts na nakapangalan sayo.

Let's say may utang ako sa UnionBank ko na 10k. Ang ginagawa ko jan, pede ako mag transfer ng 10k sa bank account ng girlfriend ko using Citi PayAll.
Once na mareceive na nya ang 10k, i-transfer nya ito sa bank account ko. Then from my bank account, pede ko na bayaran yung outstanding balance ko sa UnionBank.

Yung way naman na may fees is yung mag Cash advance. I haven't tried this, may fee kasi to.
 

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Ang way nalang ngayon na no fee/libre, as far as I know, is either thru Citi credit card using what they call Citi PayAll, or yung RCBC UnliPay.


Citi PayAll and Rcbc Unli Pay, if meron kang Any citi or rcbc credit card, you can use it to transfer/pay funds to any Bank Accounts except accounts na nakapangalan sayo.

Let's say may utang ako sa UnionBank ko na 10k. Ang ginagawa ko jan, pede ako mag transfer ng 10k sa bank account ng girlfriend ko using Citi PayAll.
Once na mareceive na nya ang 10k, i-transfer nya ito sa bank account ko. Then from my bank account, pede ko na bayaran yung outstanding balance ko sa UnionBank.

Yung way naman na may fees is yung mag Cash advance. I haven't tried this, may fee kasi to.
Thanks for sharing this pro tip. I haven’t applied for Citi or RCBC yet. Ung approved is BDO palang tapos pending si PNB. I’m looking at applying RCBC Hexa. Preparing lang ung funds required. Sa Citi naman ok lang din kasi NAFFL din sya.
 

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Finally dumating na rin! My first ever CC to. Next target ko is RCBC Hexa. Maganda ung unli installment and unlipay ni RCBC.

8C14F831-7544-4CE1-93EA-647F7304CED3.jpeg
 

Sprukutoytoy

 
 
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Hello, any recommendations on how to get your first CC?
I've tried applying several times and auto decline lagi.
Sabi ng iba try ko sa bank na connected ang payroll account ko, but still got declined (BDO last year and Metrobank last month). Thanks!
 

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Hello, any recommendations on how to get your first CC?
I've tried applying several times and auto decline lagi.
Sabi ng iba try ko sa bank na connected ang payroll account ko, but still got declined (BDO last year and Metrobank last month). Thanks!
yung sa case ko,,malimit ko gamitin dati sa online purchase yung payroll debit card ko,,and hindi nagtagal inofferan na nila ako ng credit card since napapansin nila na debit yung gamit ko madalas sa mga transaction,,
 

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Nagapply ako citi cc akala ko no annual fee talaga forever yun pala my condition para maavail mo need mo mgspend ng 20k in 60 days. haha nautakan tuloy ako ng citi ang mahal pa naman ng annual fee nila 2500/ year anyway bigay nila sa akin CL is 115k..
 

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Hello, any recommendations on how to get your first CC?
I've tried applying several times and auto decline lagi.
Sabi ng iba try ko sa bank na connected ang payroll account ko, but still got declined (BDO last year and Metrobank last month). Thanks!
I’d suggest na dun sa may savings ka talaga na mostly e deposit lang ung txn. Ganyan nangyari sa BDO ko nung nag apply ako sa branch nung home loan ko. Kaya sabi iwaive na requirements kasi ieendorse na nila directly. Mostly deposit lang and ung kaltas is ung sa loan and I always maintain it more than 200K sa acct na to. Kaya ayun first time kong ma approve sa BDO.
 
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