Declined Credit Card Application:

[guess888]

Yehey.... Finally just arrived my CC from Metro Bank after 3 weeks in the courier. The sad is the CL 10K lang Im expected at least 20K. But ok narin Im not applying for this Metro Bank give this to me... Thanks Metro Bank...

[ichuo_mx]

Citibank lang ang nag declined sa akin. Metro, BPI, BDO, RCBC approved lahat. BPI and BDO nga di ko naman inapplyan pero may dumating, naka gold pa.

In my case kasi, ayaw ko na talaga magkaroon ng CC kasi, dahil marami na, kaya ginawa ko yung citi application ko, ginago ko lang.

Remember yung mga agents sa Tri tapos sa Shell stations, ang kukulit nila, sabi ko ayaw ko, pero ang kulit talaga kaya napilitan ako.

Fill-up ganito ganyan, pero mali mali ang info nilalagay ko, maraming bese ko ginawa yun kaya declined lahat. hahahahaha

Pero one time, isang agent, talagang ewan ko ba, naging totoo ako lahat sa info na fill-up ko, eawn ko kung anong karisma meron siya, pero kasi, ang galing niya dahil, kino-confirm niya lahat ng sinusulat ko.

Hanggat sa in after 2 days may tumwag, then kinabukasan may nagtext sa citi na, approved na yung Shell cc application ko.

Hahahaha!

[guess888]

Hi the sad to me is I apply how many times with Citi they always declined my application unlike my first credit card RCBC and MetroBank, then my latest is Eastwest Bank but my card is in the courier as of this time due to the holidays season.... HSBC and BDO they always declined me also well its not my lost its their lost anyway I pay my bills on time.... Time will come *** rin ang hahabol sa akin because of my good credit history.....

[nidaime]

^ I think that's why Citi, HSBC and BDO declined you in the first place. Maganda kc ang credit history mo.

Alam na nila mababa lang ang kikitain nila sa iyo kaya they declined you. The peeps with good credit history(like us, especially the ones who pay in full each month) are "disliked" by any credit card issuer.

[ichuo_mx]

^ I think that's why Citi, HSBC and BDO declined you in the first place. Maganda kc ang credit history mo.

Alam na nila mababa lang ang kikitain nila sa iyo kaya they declined you. The peeps with good credit history(like us, especially the ones who pay in full each month) are "disliked" by any credit card issuer.

i beg to disagree, mas gugustuhin ba ng banks na mawala ang pera nila dahil sa di binabayaran ang utang, o yung bumabalik ang pera sa kanila para umikot yung pinapautang nila? ofcourse kahit tayong mga full kung magbayad, may kinikita sila sa bawat swipe natin sa card.

maaari lang na kaya siya declined is wala pang ganon katibay o tagal yung kanyang credit history.

let say sa bdo, maybe, wala sya accounts ka kanila, tapos baguhan pa lang siya sa cc sa ibang banks. maraming factors.

bakit nama on my situation, sunud sunod dumadating ang cc, halos kada buwan. hindi ko pa yun inaapplyan yung iba. may malaing impact din kasi kung depositor ka din nila.

point is... AYOKO MAGPAUTANG NA ALAM KONG WALA NAMANG IBABAYAD ANG MANGUNGUTANG.

[nidaime]

^ On your first question, that's a resounding YES. That's a risk that banks are willing to take kasi alam nila na malaki ang returns if it pays off... and kung hindi... matutulad tayo sa US. Yung kinikita nila sa mga full payers ay sobrang liit lang compared sa mga hindi nagbabayad in full and we all know that banks have shareholders to please

maaari lang na kaya siya declined is wala pang ganon katibay o tagal yung kanyang credit history.

I don't think applicable na ito kay guess888 dahil he/she mentioned na ilang beses na siya nagapply for Citibank. This just means na at least 1 year na siyang may credit history and most of the time, sufficient na yun to judge a person's spending and paying habits. A deposit on the bank that you're applying for a CC will sometimes help but not always and it is on a case to case basis pero siyempre ibang usapan pag substantial ang amount.

On your situation and most of the revolvers, sunod sunod ang dating ng CC pero on my situation and some of the full payers as well, wala nang masyadong tumatawag sa amin dahil alam na nila ang credit history namin and hindi sila masyado kikita sa amin(halos 3 years na ang maganda kong credit history)

Your point is only your personal view, not on a business point of view hence the risk taking of the banks and like I said earlier, banks have shareholders to please with their financial statements

[ichuo_mx]

olrayt

[guess888]

Thank you very much guys for all the feedback's on my sentiments RE Banks who declined my cc application. Happy Holiday's

[guess888]

hey guys anyone hir has an East west Bank CC matagal ba talaga *** mag deliver ng card...

[ambertookme]

"no credit" is as bad as "bad credit". kaya nga if you will avail of balance transfer, approved ka kaagad eh.

[coffee crumble]

pag fresh grad ba tapos first time credit card applicant, malaki chances ma-decline? o depende lang sa bank?

[nidaime]

^ Yes mataas ang chance although it depends kung may malaki at matagal kang savings account sa isang bank na gusto mo kumuha ng cc.

[coffee crumble]

^ Yes mataas ang chance although it depends kung may malaki at matagal kang savings account sa isang bank na gusto mo kumuha ng cc.

ahh.. thanks! sana swertehin ako sa application ko sa bpi kahit wala akong account sa kanila..

[guess888]

Finally got my cc from Eastwest Bank the sad is 10k CL and 3 to 5 banking days card activation.... sad...

[jappy512]

Just want to share... I'm a new employee of a Company here in our place receiving a wage of just above 10k. I got my 1st card, the Metrobank Go Mastercard through an agent who came to our office. The card has 10k credit limit. 2nd card was from East West Bank Mastercard, I never applied on this card and one day just called me for verification.
Now I'm applying for my 3rd Card in BDO and BPI. We asked help from a BDO employee and helped us with the requirements. Since it is a group application and our company payroll is in BDO it will likely be approved and told us to wait for 1-2 weeks for a phone call. In BPI I just finish submitting my application form and also told me to wait for 2-4 weeks for processing... Hmm... I think my salary which is below the minimum they required will have an impact with my application... But I'm hoping they'll consider it.... hahahaha... Wish me luck guys...

[hornytube]

its been 2 weeks na from the time i submitted my requirments for CC sa allied bank but until now wala paring nag CI sakin nor send an email regarding the status of my application. automatic denied na kaya yun?...

[guess888]

well u have to call their customer service number to follow up.... about my application with allied my application was declined Eastwest bank approved my application my 3rd cc....

[pollywog]

I applied for HSBC CC, naka-ilang beses na tumawag; twice sa office, twice on my celfone, at tumawag din daw sa bahay. Ma-a-approve kaya yun?

[guess888]

Well ganyan talaga HSBC they will call you and then declined then u nyan kaasarrrrrrr....

[jc_kito]

May BPI CC ako pero extension lang sya from my dad. Tapos last December 2009 nag open ako ng Get started savings account sa BPI din, gusto ko sana mag apply ng sarili kong Credit card sa BPI yung ako *** principal card holder not just a supplementary. Ang kaso wala naman akong local employment, kasi home base ang work ko and lahat ng clients ko nasa abroad.

Sa tingin nyo ba may pagasa akong ma approved kung sakaling magapply ako ng Credit Card sa Branch kung saan ako nag open ng savings account?