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PH Credit Score System & Credit Reporting Centers [BAPCB, CCAP, CIC, CMAP, TU, etc] | FAQ p.1

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  • im.an.emo.kidim.an.emo.kid PEx Influencer ⭐⭐⭐
    wavemaker said:
    Nababayaran nyo ba lahat ng credit card nyo sa online payment ng bangko nyo? O pumipila din sa bangko for credit card payment na di pwedeng ienroll online?
    I pay my HSBC, BDO, Eastwest, and RCBC Bankard credit cards using BDO mobile banking, tapos sa PNB online banking naman for my Unionbank and Security Bank credit cards.
  • ehleesyanehleesyan Moderator PEx Moderator
    wavemaker said:
    Nababayaran nyo ba lahat ng credit card nyo sa online payment ng bangko nyo? O pumipila din sa bangko for credit card payment na di pwedeng ienroll online?
    My main payment channel is Metrobank Direct, I pay the FF cards:
    1. Metrobank Cards
    2. PNB (AlliedBank/PNB)
    3. RCBC (Bankard)
    4. EWB
    5. Citibank

    For Robinsons Bank naman, I use BDO Online.

    For some instances na nakakalimutan ko na due date ko na, ex: EWB and Rbank,
    I go to the nearest ATM Machine and use the machine to pay my bills
    - kinda hassle kasi medyo hard press ang mga keypad ng ATM Machines,
    sometimes gross (malagkit), pinaka-ayaw kong gamitin na ATM machine is AUB,
    masakit sa mata- Yellow font plus Red background is a big no-no (for me)

    Sometimes, pag due date na mismo ng Citibank card ko, I go to their Makati branch, use the machine there to pay :)
  • cps_1998cps_1998 Member PEx Icon 🎖️🎖️🎖️
    gibsonfan said:
    Ako pagdating sa minimal use cards ko (just to keep active rin) - binabayaran ko agad paglabas ng SOA para di na isipin. Since usually ~1k lang bill, negligible na ang makukuha mo diyan keeping it with your bank account etc. Madalas kasi may alert ang cards via sms email paglabas. Pero sa due date wala na nagreremind haha
    Hehehe hindi naman sa negligible, 4x lang ako nalate 2x sa MCC, 1x sa HSBC at 1x sa AUB. MCC at HSBC malaki ang purchase ko at hindi ko mabayaran ng maaga, may mga obligation din ako, pagclear ng mga check ko halos magkalapid sa due date, yon MCC na overlook ko yon due date ng 1 week at yon isa beses naman biglaan ang biyahe ko, HSBC babayaran ko na sana online kaso  paguwi ko nakatulog ako sa sobrang pagod sa work paggising ko 12:30am na ayon na late! Hahaha. AUB minimun lang lagi gamit ko dito, nakamali lang ako nalista ng due date. 

  • cps_1998cps_1998 Member PEx Icon 🎖️🎖️🎖️
    wavemaker said:
    Nababayaran nyo ba lahat ng credit card nyo sa online payment ng bangko nyo? O pumipila din sa bangko for credit card payment na di pwedeng ienroll online?
    Lahat ng card ko online, 2 MCC sa Metro o PSB branch, BDO at Rbank sa SM Bills payment. Citi, HSBC at RCBC sa BPI at PNB online. Mga 9am o lunch time ako nagbabayad para walang pila.
  • wavemakerwavemaker PEx Rookie ⭐
    gibsonfan said:
    wavemaker said:
    Nababayaran nyo ba lahat ng credit card nyo sa online payment ng bangko nyo? O pumipila din sa bangko for credit card payment na di pwedeng ienroll online?
    Kung wala sa online:

    All cc billers are available via Gcash actually (free cash in from most ATM cards, among other routes). Also, almost all are available rin at Bancnet ATMs (free of charge). No need to line up - kahit di mo bank basta Bancet ATM (which is pretty much all), libre) 


    I don't really use this Gcash but I think I have to take a look at it. Smart ang cellphone ko pero pwede naman ang Gcash sa Smart, right?
  • wavemakerwavemaker PEx Rookie ⭐
    ehleesyan said:
    wavemaker said:
    Nababayaran nyo ba lahat ng credit card nyo sa online payment ng bangko nyo? O pumipila din sa bangko for credit card payment na di pwedeng ienroll online?
    My main payment channel is Metrobank Direct, I pay the FF cards:
    1. Metrobank Cards
    2. PNB (AlliedBank/PNB)
    3. RCBC (Bankard)
    4. EWB
    5. Citibank

    For Robinsons Bank naman, I use BDO Online.

    For some instances na nakakalimutan ko na due date ko na, ex: EWB and Rbank,
    I go to the nearest ATM Machine and use the machine to pay my bills
    - kinda hassle kasi medyo hard press ang mga keypad ng ATM Machines,
    sometimes gross (malagkit), pinaka-ayaw kong gamitin na ATM machine is AUB,
    masakit sa mata- Yellow font plus Red background is a big no-no (for me)

    Sometimes, pag due date na mismo ng Citibank card ko, I go to their Makati branch, use the machine there to pay :)
    You use BDO online which means na may account ka sa BDO. Any reason bakit wala kang BDO credit card?
  • wavemakerwavemaker PEx Rookie ⭐
    edited August 2019 #88
    I have credit cards at only 3 banks: Citibank, BPI and RCBC. I pay all of them at BPI online.


  • gibsonfangibsonfan Member PEx Icon 🎖️🎖️🎖️
    wavemaker said:
    I have credit cards at only 3 banks: Citibank, BPI and RCBC. I pay all of them at BPI online.


    It really depends on what cards you have and what bank accounts you maintain to see which ones match. Sadly, most places don't have everything. 
  • wavemakerwavemaker PEx Rookie ⭐
    gibsonfan said:
    wavemaker said:
    I have credit cards at only 3 banks: Citibank, BPI and RCBC. I pay all of them at BPI online.


    It really depends on what cards you have and what bank accounts you maintain to see which ones match. Sadly, most places don't have everything. 
    Yup. Dito ko nga lang nalaman na ang BDO credit card ay di pwedeng ienroll sa BPI. But you mentioned na maraming mga promo ang BDO. hahaha. You also mentioned that Gcash can pay for all the credit cards. So baka pwede akong kumuha ng BDO credit card and pay via Gcash. I have to check first how Gcash works.
  • ehleesyanehleesyan Moderator PEx Moderator
    wavemaker said:
    ehleesyan said:
    wavemaker said:
    Nababayaran nyo ba lahat ng credit card nyo sa online payment ng bangko nyo? O pumipila din sa bangko for credit card payment na di pwedeng ienroll online?
    My main payment channel is Metrobank Direct, I pay the FF cards:
    1. Metrobank Cards
    2. PNB (AlliedBank/PNB)
    3. RCBC (Bankard)
    4. EWB
    5. Citibank

    For Robinsons Bank naman, I use BDO Online.

    For some instances na nakakalimutan ko na due date ko na, ex: EWB and Rbank,
    I go to the nearest ATM Machine and use the machine to pay my bills
    - kinda hassle kasi medyo hard press ang mga keypad ng ATM Machines,
    sometimes gross (malagkit), pinaka-ayaw kong gamitin na ATM machine is AUB,
    masakit sa mata- Yellow font plus Red background is a big no-no (for me)

    Sometimes, pag due date na mismo ng Citibank card ko, I go to their Makati branch, use the machine there to pay :)
    You use BDO online which means na may account ka sa BDO. Any reason bakit wala kang BDO credit card?
    Ay yes, I forgot to mention BDO :)
    meron ako BDO cards, I use BDO online pang bayad. :)
  • gibsonfangibsonfan Member PEx Icon 🎖️🎖️🎖️
    wavemaker said:
    gibsonfan said:
    wavemaker said:
    I have credit cards at only 3 banks: Citibank, BPI and RCBC. I pay all of them at BPI online.


    It really depends on what cards you have and what bank accounts you maintain to see which ones match. Sadly, most places don't have everything. 
    Yup. Dito ko nga lang nalaman na ang BDO credit card ay di pwedeng ienroll sa BPI. But you mentioned na maraming mga promo ang BDO. hahaha. You also mentioned that Gcash can pay for all the credit cards. So baka pwede akong kumuha ng BDO credit card and pay via Gcash. I have to check first how Gcash works.
    Yup! Libre lang BPI-> GCASH. Pero si Gcash may limit na 100k monthly 
  • akositunyingakositunying PEx Rookie ⭐
    BoyPuto said:
    BoyPuto said:
    Nakita ko yung sample report, nakikita dn pala don kung SCC yung card mo
    Yes, both secured and unsecured/regular credit cards ay nasa report. Nakalagay din ang outstanding balance, status ng card, and all relevant details. Yung Fast Track secured card ko from Security Bank nakalista dun with notation na "Voluntary Closed" meaning si customer/client ang nagrequest ng cancellation tapos "000" na notation which means OK ang payment history with no outstanding balance.
    Bakit kaya hindi kaya sa credit reports yung telecom postpaid bills?
    Kasama sa report yung sa Smart Communications. Nagtataka ako bakit si Globe ay wala. 😅 Kaya siguro naging 758 lang ang credit score ko kasi gawa ng Smart. Haha
  • akositunyingakositunying PEx Rookie ⭐
    dayeph said:
    free ba kumuha ng report?
    Yes. As of yesterday, free pa. 
  • ehleesyanehleesyan Moderator PEx Moderator
    BoyPuto said:
    BoyPuto said:
    Nakita ko yung sample report, nakikita dn pala don kung SCC yung card mo
    Yes, both secured and unsecured/regular credit cards ay nasa report. Nakalagay din ang outstanding balance, status ng card, and all relevant details. Yung Fast Track secured card ko from Security Bank nakalista dun with notation na "Voluntary Closed" meaning si customer/client ang nagrequest ng cancellation tapos "000" na notation which means OK ang payment history with no outstanding balance.
    Bakit kaya hindi kaya sa credit reports yung telecom postpaid bills?
    Kasama sa report yung sa Smart Communications. Nagtataka ako bakit si Globe ay wala. 😅 Kaya siguro naging 758 lang ang credit score ko kasi gawa ng Smart. Haha
    Oh.. I can see why my postpaid account didn't appeared sa report, kasi Globe rin yung sa akin.
    Care to share other Globe users there na kumuha na ng TransUnion Report?
  • Strong7PowerStrong7Power Member PEx Moderator
    How about CIC reports, since most, if not all, financial institutions and alike, ay required by ,the government? Mayroon ba ang CIC?
  • kiros0027kiros0027 PEx Rookie ⭐
    General question: kapag ba may previous ka na pinaputol na credit card (fully paid naman), malaki chance na ma-decline ang CLI request o card upgrade mo dahil nagpapakita ito sa TU credit report?
  • cps_1998cps_1998 Member PEx Icon 🎖️🎖️🎖️
    How about loan sa SSS at pagibig? Kasama sa credit reporting? 
  • hsusonhsuson Member PEx Expert 🎖️
    BoyPuto said:
    BoyPuto said:
    Nakita ko yung sample report, nakikita dn pala don kung SCC yung card mo
    Yes, both secured and unsecured/regular credit cards ay nasa report. Nakalagay din ang outstanding balance, status ng card, and all relevant details. Yung Fast Track secured card ko from Security Bank nakalista dun with notation na "Voluntary Closed" meaning si customer/client ang nagrequest ng cancellation tapos "000" na notation which means OK ang payment history with no outstanding balance.
    Bakit kaya hindi kaya sa credit reports yung telecom postpaid bills?
    Kasama sa report yung sa Smart Communications. Nagtataka ako bakit si Globe ay wala. 😅 Kaya siguro naging 758 lang ang credit score ko kasi gawa ng Smart. Haha
    Hahaha.

    Ano yung Risk level mo daw at 758?

    Sa US mataas na din ang 758.
  • wavemakerwavemaker PEx Rookie ⭐
    How about CIC reports, since most, if not all, financial institutions and alike, ay required by ,the government? Mayroon ba ang CIC?
    I called CIC last Friday. They have a more comprehensive report daw than TU but they don't give a credit score. The person I talked to doesn't know what is the highest credit score that we can get. So I tried to call TU and inquire the credit score. Unfortunately, no one is answering their phone after so many tries. So if someone goes to TU and ask for a credit report, don't forget to ask what is the highest credit score that we can get. This info is not available even in the internet.
  • wavemakerwavemaker PEx Rookie ⭐
    edited August 2019 #101
    kiros0027 said:
    General question: kapag ba may previous ka na pinaputol na credit card (fully paid naman), malaki chance na ma-decline ang CLI request o card upgrade mo dahil nagpapakita ito sa TU credit report?
    I don't see any negative in cutting your credit card as long as there are no unpaid dues. Baka marami nang credit card at nagbabawas dahil di na mamanage ang mga credit card sa dami nila. That is sound financial management.
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