Hi! I currently have only one credit card with BPI and all of my savings, time deposits in PHP and USD are deposited in BPI as well. I do have a payroll account with UCPB though.
I've read in other forums that some people get pre-approved credit cards, while some bigla na lang tatawagan informing them na they have pre-approved credit cards, yung iba naman is bigla nalang pinapadalhan ng credit cards without them applying for one.
So here's my question. What normally is their basis in granting one a pre-approved credit card? Is it possible that these banks share like a common database so they can track whether one is in good credit standing and eventually consider giving them a pre-approved card? TIA!