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just to know if anyone's in the same boat.
sa case ng company ko, auto reject kapag may bad records sa ibang bank. kapag sa bank namin mismo nagkabad-record, pwede as long as nameet nya yung mga criteria na sinet ng bank.
Example, nag-apply ako ng card at nilagay ko yung secured card ko as my existing card. Hindi ba nila malalaman na secured yun? AFAIK, malalaman nila. Can anyone confirm?ikaw, san mo binase yang sagot mo na hindi nila malalaman kung secured o hindi yung dineclare mo? bank ka din ba? o narinig mo lang din? kung narinig mo lang, hindi mo na vinerify?they wont, before you apply to other banks dapat atleast 9mos or 1yr na
obviously di ako galing sa bank, so i cant verify myself. ask you nga sa manager ninyo.
first card ko ksi is secured card ng hsbc. after 9 months, i applied for scb through agent and i ask if may bearing ang secured card. wala naman daw, they dont check, what is important is your credit standing, after one year, yun secured card ko, was converted to regular card pero same card number at di naman nireplace yun card ko. kung ano ko siya nakuha yun parin classic. pero platinum pa yun naapproved sa akin sa scb kahit secured card pa lang ako nun
So yung BPI secured credit card na makukuha ko pag nag time deposit ako ng 10K is yung blue na may mastercard logo tama po ba? Alam ko kasi yung red dito lang sa local..
I was planning to use this as spring board para makakuha ng regular CC... medyo nahirapan kasi ako magapply primarily because palipat lipat ako ng work.. alam ko 1 year na sa work (if employed) is isa sa requirement and regular pa dapat... (yung isa ko kasing work renew *** ng renew ng contract, amfness)
I have a BPI-Petron one as well as an eCredit card on secured CC arrangement.
ah so ako pa din pala pipili... pero baka po depende naman yun sa amount na ititme deposit mo? I am planning na 10k minimum lang muna, is it qualified para dun sa blue bpi card?
by the way, mam if secured cc is parang regular cc na din (xcept na may collateral na time deposit amt) paano po yung annual fee niya?
if u will use a secucred cc as ur existing card, will they know the credit limit?
They can easily find out your credit limit by asking the issuing bank.
any feedbacks for RCBC Instacard? Inoffer ako nito after my application for Bankard was denied. Talaga bang 60 pesos a month yung fee niya na kailangan mo bayaran?
wow palpak pala ang metrobank, i received a call form them after a week since i tried to avail of their secured credit card only to inform me that they can't read the documents faxed by my servicing branch wtf! dapat kung malabo ang kopya sinabi na nila agad hinde yung pag aantayin pa ng isang linggo ang customer nila only to inform them na wala palang nangyari sa application at nasayang lang ang oras nila.
Last edited by exedra_03; Mar 15, 2012 at 07:11 PM.
re: your question, i just requested to convert it to regular cc, then na aaproved, i closed my deposit account na sa hsbc after converting my cc. i pay the full amount monthly before due dates for six months