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💳 SCC Secured Credit Cards



BDO SCC
meron po bang secured credit card ang bdo? if meron, how much do i need to deposit to have at least a BDO gold mastercard po?

<Paskil mula sa BDO Banco De Oro Cards (Sinulid 5) pahina 107>
LurkerZero said:
UPDATE: BDO SCC

Pumunta ako sa dalawang branch kahapon ng BDO, nagtanong ako kung meron sila SCC, hindi aware yung parehong branch tapos tinanong nila sa mas higher sakanila hindi dn dw nila alam yung ganon set up na meron holdout. End up ko sa BPI na lang ako nagapply haha
Marami na ring nagpahayag dito sa PEX na may BDO SCC pero iilan lang sangay lang ang nakakaalam nito. Hindi rin kasi ito publicize o isasapubliko, kaya halos lahat ng sangay ng BDO, hindi alam.

PAHINA 2-3 |  SCC Secured Credit Cards (S2)
Sinu-sino na po ang nakapag-apply ng SCC sa BDO?

Saang sangay po kayo nag-apply?

Para dagdag kaalaman sa mga kapwa natin PEXers.
I have BDO SCC, BDO BANGOY BRANCH DAVAO CITY. Anyone from Davao who would like to avail of an SCC, just go to their Marketing (left side once you enter) and they'll assist you since they're more knowledgeable about SCC now. Or if you wish to stay with any of your branch in Davao, tell them to call sir REIL of the Credit department of San Pedro branch (parang main branch sa Davao) (082) 221-5909. You can also ask him anything. 

 If they do not know, tell them to ask! 
Thanks, allarickxander.

Dagdag-kaalaman para sa iba na nagnanais na magkaroon ng BDO CC.

Para sa Kamindanawan at Dabaw:  BDO BANGOY BRANCH, DAVAO CITY

May nabasa ako sa unang sinulid nito, na mayroon din sa SM MEGAMALL BRANCH, para naman sa Rehiyon ng Mas Pinalawak na Kamaynilaan.

✔😉😎👌😊❤💖😜😆😃😉🌹🎂😃😆🤔😜🎁👀✨😎😘✔😉😎👌😊❤💖😜😆😃😉🌹🎂😃😆🤔😜🎁👀✨😎😘✔


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Comments

  • KuyaDannyKuyaDanny Moderator PEx Moderator
    If you cannot get a credit card by conventional means, a secured card is a good way to start. Ideally, you should only have a secured card for a few years, during which you should be able to demonstrate that you can use your card properly (ie, staying within your limit, and paying your bills when due). When you have accumulated a good experience with the account, have it converted to a regular credit card.

    The only drawback I see with a secure credit card is that you need to put up money as security. Your money is tied up and unusable for as long as you have the credit card. Of course, it will earn interest, but maybe this is not necessarily the best use of your funds.
  • metropolitanmetropolitan PEx Influencer ⭐⭐⭐
    edited October 2020
    PARAAN PARA MAGING REGULAR CC ANG BDO SCC.
    Sa mga nag secured credit card kila BDO, BPI, METRO, RCBC at iba pa. Sa exp niyo alin sa mga naks na yan mabilis magbigay ng non secured cc after mo magkaron ng secure cc sa kanila?

    BASAHIN mula sa pahina 263 SCC Secured Credit Cards
    BANCO DE ORO (BDO)'S SECURED CREDIT CARDS PROGRAM

    I just received my BDO GOLD MASTERCARD, This is a secured credit card/holdout credit card. I applied in my BOA. 54k is my limit since ive authorized them to hold out my 60k.
     
    October 9: I applied, filled out the endorsement form. Nagpanotarize sa lawyer ko. And withdrawn 60k from my savings account. Nagopen ng passbook, deposited the 60k. Tinatakan ng HOLD, if I'm not mistaken. Checked BDO gold MC since pasok sa 50k limit. 

    Oct 22, they asked another copy nung pinanotarize ko na form. 4 copies pala kailangan nila. 1 copy sa branch, 3 copies sa CLG? Since wala ako, i asked another copy from my lawyer. Ok naman daw. 

    NOVEMBER 5: MY branch called and said approved na daw.
    NOVEMBER 6,7: CALLED CSR but HINDI NILA MAKITA ANG APPROVED NA CARD

    November 11 received an email from them about a promo. Wala pa ring text nor email na approved.

    November 12: Received the Card
    Could you give us MORE INFORMATION about BDO's SCC? For the benefits of other PEXers who want to avail this.

    Like what is the process? What branch you availad SCC?

    Most of the branches of BDO don't know na may SCC program pala ang BDO?

    HELLO master, sorry sa Tagalog ko. im from Davao po ksi.

    I found out about this program sa isang user sa Facebook  group po so i asked my BOA (BDO Bangoy Branch-yung sa Ponciano for the information of those from Davao) about this program. They don't have an idea po initially so the girl from new accounts called the Regional office po ata ng CLD, Im not sure, sa San Pedro Branch. The person on the other line, si Sir Reil, told the person im talking to na meron nga daw silang SCC program. they have to hold your savings account. sa case ko ACCOUNT po talaga. so i opened another passbook account po and tinatakan po ng hold after ko po pinirmahan yung form to convert the account from active to on hold. they didnt give me a debit card po connected to that account. They asked me if meron akong lawyer kasi meron daw akong dapat panotaryohan. they also told me na pwede sila nalang pero kailangan ko pong bumalik the next day kasi absent ang messenger nila so i told them na ako nalang since malapit lang yung office ng lawyer ko po. they gave 3 copies of that form, filled it out then, nagpanotaryo na po ako. when i came back, they asked me to fill up the branch endorsement form. i dont need to provide income docs na rin daw po. 
    after a week they told me na binalik from manila ang application kasi kulang ng isang copy yung notarized form. i gave them a copy then pinapasa ulit.
    no update from application to receiving of the card kanina except yung hiningan po ako ng additional copy. also asked for the number of Sir Reil from their regional office para ako mismo ang tumawag sa kanya pero ang parati niyang sagot is on process. wait lang daw.
    so yun. Oct 9 to Nov 12 ang timeline


    Sinulid ng Talakayan: BDO Cards (Equitable Cards) - Cardmembers' Thread IV
    Pahina: 331
    Nagpaskil: allarickxander
    Petsa: 11/12/2018
    Just an Update. Unsecured Credit card na siya. Pinaconvert ko after 3 months. Yes just 3 months. I requested na iclose ang card so that mawithdraw ko yung pera for "emergency" reasons. Ok naman sabi ni branch basta itawag ko raw then and there sa customer service na iblock ang card. After a few minutes, ok na and nawithdraw ko na yung pera. Walang hassle. Unlike when i opened.
    After a day, i called their hotline, pinaactivate ko ulit yung card. Then boom! May unsecured credit card na ako from BDO. Hahahaha. That was March of last year. Today, dalawang beses na nabiyayaan ng increase ng credit limit tapos yung isang card is nagsplit na ng limit, hindi na shared. 
    Magandang diskarte ito.

  • bankerIIbankerII PEx Veteran ⭐⭐
    an unsecured credit card is too much a temptation for most CC holders based on feedbacks I get on CC problems, thus, a secured one could be a good "training ground" on how to handle credit.

    You may also want to evaluate your cost of funds.

    Another good alternative is the debit card w/c I find more useful and practical. ;)
  • different strokes for different folks.

    i have 3 CCs and no problems with payments and all. if you think that a secured card is good for your spending needs, why think twice? :)
  • thanks kuya danny.

    what banks has the best offer for you money...
  • ano ba requirements ng secured credit card?

    do i need to have a work?
    i do have savings...

    help naman dyan! thanks
  • in my case, nag BPI Express Start program ako.. bali ang kelangan mo lang ay pera na pwedeng i-time deposit sa BPI, in my case 15K pina time deposit ko, tpos 10K yun credit limit. ok na rin yun credit limit, kasi convenience naman habol ko hindi yun limit. ito pala yun first credit card ko, rejected kasi ako sa citibank tska sa regular card ng bpi kasi nung nagapply ako mga 5 months palang ako nag wowork, tapos first job ko pa kahit na 19K na yun sweldo ko. :)
  • it may not be one of the most attractive ways to invest your money but it teaches the power to discipline yourself. dahil alam mong hard earned money mo iyon kaya di mo hahayaang mawala yun para lang ipambayad sa utang mo. unlike regular credit cards that lurk you to spend more because of higher credit limits, religious ka nga nagbabayad puro minimum amount due naman. wala din. yung slef discipline may be there but not consistent - to many, lalo na yung natural na maluho sa katawan...
  • If you were rejected by citibank 5x and union bank 1x (approved na daw! just deposit 10k sa branch nila- ano kaya un!:rolleyes: denied pa din un in my book!:bop: :angry::angry::angry: ) like me; a secured credit card is a very good way to start. Just make sure you pay on time and then after a year puwede ka na magpalit ng status to a regular card. BPI ang first card ko - started secured - pero sinarado ko na din eventually. :mecry:
  • Would credit card/banks easily offer credit cards to employees of other banks... Hehehe...
  • Is it something like this PS Bank Money Card?
  • Monarchising - yes i guess so if you are a regular employee of a bank - why not? Im not familiar with PS Bank but ang alam ko BPI and Union Bank. Secrued Credit is also good to build up your credit standing with the banks so when you purchase a car or a home at least they have something to check or base on the approval or denial of your loan.
  • psbank money card is a perosnal revolving loan. at kelangan me existing credit card ka to avail this.
  • harukatenohharukatenoh PEx Veteran ⭐⭐
    Sino na po dito ang nakakuha ng secured cards? Sabi kasi sa akin magdedeposit ako ng 10k (metrobank) o 12k (HSBC) tapos bibigyan daw ng credit card. Yung pinaka deposit mo na ang collateral. Tinawagan ko kasi yung Metrobank at HSBC, sabi nila may parang investigation pa daw bago sila mag-issue ng secured card :confused: May nadedecline pa ba dito? Iniisip ko kasi may deposit ka na nga na parang collateral mo na. Lastly, pwede ba nila i-hold na yung deposit mo kahit na declined ka (if ever totoo) sa investigation nila para bigyan ka ng secured card?
  • metropolitanmetropolitan PEx Influencer ⭐⭐⭐
    Kung saan mas maraming payment channels and methods na convenient sa iyo, yun ang kunin mo.
  • walang kwenta yung sa hsbc. had mine for two years... i cut it and transferred my business to metrobank.
  • speaking of secured CCs, meron din daw ang BPI. any feedbacks po on BPI din? and update on metrobank or unionbank secured ccs?
  • haptop86haptop86 PEx Veteran ⭐⭐
    share na man kayo ng experiences nyo for those people with such thing. hehe

    gusto yung sa HSBC dahil may rebates sa gas purchases kaso *** hindi alam ng agent nila yong program... power vantage daw...

    dito ko nabasa ang mga infos... dagdag kayo ha.

    http://www.mariecasas.com/2007/12/27/secured-credit-card/

    thanks!
  • yup, meron pong secured credit card ang bpi.... i got mine 2 yrs ago(ndi kasi ** maaprove ng regular application, wala ** landline sa home that time)...

    18k *** timedeposit q and 10k ang naging credit line q. dinagdagan q na time deposit q pero ndi nila inincrease line q (sabi kasi nila increase amount in td= increase line), pero ok ***. may metrobank cc nmn ** (supplementary)

    then this year i applied for standrd char cc, and naapprove ** in less than 2 weeks, without needing to submit any documents *okay*

    the good thing is nung nakuha q bpi cc q ,may libreng jeans from f&h and sa standchar may free shirt from giordano nmn...*okay* at marami narin ** nareedem na meal courtesy of bpi cc :):):)
  • hello francis 42, inde ko mahanap *** secured credit card site ng bpi and unionbank, inde ko kasi alam *** specific name ng card na un... please help

    m trying to compare the different ccs e. thanks

    Metrobank: https://www.metrobankcard.com/cards/valuemaster.aspx

    BPI:

    Unionbank:
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