Standard Chartered Credit Card

[MakaveliLives]

Paano ba magpa-increase ng credit limit dito? I've been a loyal member since 2002, I never missed a payment pero siyempre hindi full. Yes, I'm a revolver. But then again, dun sila kikita talaga.

I submitted my last year's ITR at malaki naman yung earnings ko. Pero declined pa din yung request ko for a credit limit increase. This is pissing me off.

Ayaw naman nila sabihin kung bakit declined. Wala ako maisip na dahilan kung bakit nila decline yung request ko.

[SuperOnyx]

^Pinakamaarte na ang SCB ngayon hehe. Mas mahigpit na yata sila sa BPI.

[MakaveliLives]

^Pinakamaarte na ang SCB ngayon hehe. Mas mahigpit na yata sila sa BPI.

Hindi man lang bigyang halaga yung 10 years nako na loyal member. Wala ako iba card. Kung ganyan sila ng ganyan eh hahanap ako ng iba.

My last CL increase was about 3-4 years ago. Oddly enough, I didn't request for a CL increase then.

Ano ba ang maganda? Yung sobrang luwag sa application at malaki magbigay ng CL? I'm not employed by a company because I'm self-employed as a freelancer. So wala ding business papers. But I paid my taxes last year at malaki naman ang declared income ko.

I heard na laging approved daw sa Metrobank. True? Saka malaki ba sila magbigay ng CL?

[SuperOnyx]

^Yes, madali ma-approve sa Metrobank for those who already have a credit card. Pero tatapatan lang nila yung CL ng existing card mo.

Try mo apply sa Citibank, EastWest Bank, and RCBC. Kahit naman yata walang business papers, as long as you have an ITR and declare your SCB credit card you shouldn't have any problem.

[MakaveliLives]

^Yes, madali ma-approve sa Metrobank for those who already have a credit card. Pero tatapatan lang nila yung CL ng existing card mo.

Try mo apply sa Citibank, EastWest Bank, and RCBC. Kahit naman yata walang business papers, as long as you have an ITR and declare your SCB credit card you shouldn't have any problem.

Thanks! Okay naman dun sa Citi, EW, at RCBC? Or Metro ang pinaka-ok sa apat?

[janbrane]

Thanks! Okay naman dun sa Citi, EW, at RCBC? Or Metro ang pinaka-ok sa apat?

I have the CC from these banks, and here are my comments:
RCBC: Pinaka-madali ma-approve. Tip ko is you try to apply sa Landmark or Sta. Lucia Mall kasi madali ma-approve doon dahil "Special" cards yun. once approved, after a year, you can ask to convert it to a "classic" mastercard or visa card.

Citibank: In my experience, they only approved my application after I own a CC from another bank for more than a year. Pero, OK ito to have kahit na mahal ang annual fee dahil sa napansin ko, once you own a CC from a "big" bank, mataas ang chance na approved ang application mo.

Eastwest bank: Pahirapan mag-apply dito. Na-approve ang application ko after two attempts ng agent na tumawag sa akin. It took me more than a year before my application was approved.

Metrobank: Sa Robinsons Supermarket ako nag-apply. Na-approve din after I state in the application that I own a CC from BPI and RCBC for more than a year.

[MakaveliLives]

I have the CC from these banks, and here are my comments:
RCBC: Pinaka-madali ma-approve. Tip ko is you try to apply sa Landmark or Sta. Lucia Mall kasi madali ma-approve doon dahil "Special" cards yun. once approved, after a year, you can ask to convert it to a "classic" mastercard or visa card.

Citibank: In my experience, they only approved my application after I own a CC from another bank for more than a year. Pero, OK ito to have kahit na mahal ang annual fee dahil sa napansin ko, once you own a CC from a "big" bank, mataas ang chance na approved ang application mo.

Eastwest bank: Pahirapan mag-apply dito. Na-approve ang application ko after two attempts ng agent na tumawag sa akin. It took me more than a year before my application was approved.

Metrobank: Sa Robinsons Supermarket ako nag-apply. Na-approve din after I state in the application that I own a CC from BPI and RCBC for more than a year.

I applied sa Metrobank. Sabi sakin sure na ma-a-approve dahil tinitingnan lang daw nila kung meron ka CC from other banks. Eh 10 years na yung SCB ko. Sabi ko nga kung pwede mag-submit na din ako ITR wag na daw. Kase yung existing CC lang talaga tinitingnan.

Thanks for the feedback regarding these banks. I'll try RCBC just in case.

[ulalammm]

nagwe-waive ba ng succeeding annual fees (not the first annual fee) ang standard chartered??

if so, anu *** mga requirements or conditions nila?

before kc may card ako ng standard chartered, pinaputol ko kc ayaw i-waive *** finance charges... kaya di ko pinaabot ng 1 year?

[MakaveliLives]

nagwe-waive ba ng succeeding annual fees (not the first annual fee) ang standard chartered??

if so, anu *** mga requirements or conditions nila?

before kc may card ako ng standard chartered, pinaputol ko kc ayaw i-waive *** finance charges... kaya di ko pinaabot ng 1 year?

Medyo mahigpit sila. Once lang ata ako na-approve na ma-waive. Pero kase malaki na-swipe ko that year. Kung gusto ko pa daw ma-waive in the future, pinapa-apply ako dun sa program nila na you have to spend a specific amount para ma-waive. Nakalimutan ko kung magkano.

[ulalammm]

Medyo mahigpit sila. Once lang ata ako na-approve na ma-waive. Pero kase malaki na-swipe ko that year. Kung gusto ko pa daw ma-waive in the future, pinapa-apply ako dun sa program nila na you have to spend a specific amount para ma-waive. Nakalimutan ko kung magkano.

more than 10k kaya *** kelangan maipend?

[rhaps00]

ako pina swipe lang ako ng five times regardless of the amount para ma waive yung AF ng SCB CC ko

[SuperOnyx]

^Anong type ng SCB card mo rhaps00? I like their Platinum Cash Rewards card kaso namamahalan ako sa annual fee.

[rhaps00]

yung gold card nila. 2.5k yung annual fee. pero di ko masyado ginagamit. mas madalas ko gamitin yung M card ng metrobank coz i want to build a good credit standing dyan

[WinterAngel]

Hi, everyone! Does anybody know what courier Standard Chartered uses for provincial deliveries? I'm from Bulacan po. TIA!

[ralphralph910]

sa pagkakatanda ko nung nadeliver yung card ko last year, 'Pelican' po yata yung name nung courier nila..

[KuyaDanny]

Pelican ba kamo? Yang magaling na Pelican na yan ginagamit din ng BPI. Naikwento ko sa kabilang thread. Halos isang buwan bago nakarating ang hiningi kong supplementary card. Hindi daw nila makita ang building. Sa Makati na yon, ha?

[WinterAngel]

@ ralphralph910

Thank you!

@ Kuya Danny

Naku sana naman po hindi umabot ng 1 month ang delivery ng card ko. I think Pelican din po yung nagdeliver samin for HSBC so hopefully, madali na nilang mahanap ang address namin.

[WinterAngel]

I received my card today. The courier was Avis.

[MakaveliLives]

Just received my replacement Gold card. Ganda! Gold na gold ang itsura. Haha! Yung dati hindi eh.

[MiggsCraig]

thank you scb for credit limit increase!! x2, 1 month before its anniv!!