SCC Secured Credit Cards (S2)

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  • chrisrelateschrisrelates Member PEx Rookie ⭐
    Hi guys, I have a couple of regular cards already, I'm planning to apply for SCC sa BDO. Na decline kasi ako a couple of times already, so I'm leaning towards SCC and then convert it to a regular card.

    Anyone had experience going with SCC route in BDO? Gaano ba katagal bago ko ma ask to convert it to regular CC?
  • tadashi_2019tadashi_2019 PEx Rookie ⭐
    Susko said:
    Ilang weeks inabot ng approval ng METROBANK SCC niyo? May nadideny ba na application for SCC ang metrobank? 
    In my case it took exactly 10 calendar days from submission to approval.
  • spyingsnoopyspyingsnoopy Walking Gellatiin PEx Rookie ⭐
    Meron na ba dito na nakareceive ng text and email from BPI na ganito, “Hi, upgrade to a regular BPI Credit Card with no deposit hold-out required. Simply submit your latest income documents to any BPI branch.” According to their email evaluation is 7 days lang. Meron na din ba nakapag try? I’m thinking mas okay to compared sa pagpunta pa sa BOA and ang wait time ay 30 days pa. 
    nakareceive din ako ng ganitong email and SMS. more than 1 year na yung SCC ko, try ko later today pumunta sa isang bpi branch with the listed requirements. 
  • sheengalingsheengaling Member PEx Rookie ⭐
    Meron na ba dito na nakareceive ng text and email from BPI na ganito, “Hi, upgrade to a regular BPI Credit Card with no deposit hold-out required. Simply submit your latest income documents to any BPI branch.” According to their email evaluation is 7 days lang. Meron na din ba nakapag try? I’m thinking mas okay to compared sa pagpunta pa sa BOA and ang wait time ay 30 days pa. 
    nakareceive din ako ng ganitong email and SMS. more than 1 year na yung SCC ko, try ko later today pumunta sa isang bpi branch with the listed requirements. 
    Pa-update naman kami please :) mejo hesitant ako kasi dati nagrequest ako ng release of hold out and card retention pero di na-approve. Although mas okay ang process na yan kasi any BPI branch pero ayun :) thank you!
  • Sana maapprove ako. Di kasi ako naapprove sa regular cc sa metrobank. Nag hold out ako ng 80k pero hindi pa nagrireflect online. Sept 10 ako nag apply.
  • Nag follow up ako, til now wala pa daw sakanila yunh application ko 🤔
  • mrvladimirmrvladimir Member PEx Rookie ⭐
    quick question lang

    magkano ang minimum credit limit ng BPI scc GOLD? 50k diba, so 56,000 hold out? May nag tanong previously pero hindi ata nasagot.
  • mrvladimirmrvladimir Member PEx Rookie ⭐
    quick question lang

    magkano ang minimum credit limit ng BPI scc GOLD? 50k diba, so 56,000 hold out? May nag tanong previously pero hindi ata nasagot.
    solved. 75k ang minimum CLI for BPI Gold, so thats 84,000 pala (90% hold out). ang laki hahaha
  • mynamemyname Member PEx Rookie ⭐
    quick question: pag kumuha ka ba ng bank certificate for travel magrereflet din ba yung hold out amount? 
  • BoyPutoBoyPuto PEx Rookie ⭐
    myname said:
    quick question: pag kumuha ka ba ng bank certificate for travel magrereflet din ba yung hold out amount? 
    Gusto ko dn to malaman kung ano lalabas sa certificate.
  • mrvladimirmrvladimir Member PEx Rookie ⭐
    BoyPuto said:
    myname said:
    quick question: pag kumuha ka ba ng bank certificate for travel magrereflet din ba yung hold out amount? 
    Gusto ko dn to malaman kung ano lalabas sa certificate.
    Hindi. Ginawa ko na to before sa BPI ko nung kumuha ako for Japan visa. May tatlo kasi akong account sakanila, so pinalista ko sa iisang certificate. Yung unang dalawang account, may available balance, pero yung 3rd (na akala ko magrereflect), 500 lang yung naka indicate na amount. Bakit 500? Kasi dormant account daw yung hold out deposit account, kung gusto ko daw ulit ma activate, need to deposit any amount. ayun...
  • IronHandofJusticeIronHandofJustice Member PEx Guru 🎖️🎖️
    myname said:
    quick question: pag kumuha ka ba ng bank certificate for travel magrereflet din ba yung hold out amount? 
    Always available balance lang ang lumalabas sa certificates.
  • Wala pa rin saking update ang Metrobank. Haaays. It’s been 2 weeks na din . 
  • edited September 28
    Hi! Nag-apply din ako ng scc from BPI at Security Bank (August 2019) to rebuild my credit worthiness. At na-approved naman. Kahapon, nag-apply rin ako ng scc kay Metrobank kasi sila talaga ang primary bank ko simula na nagtrabaho ako. So nasa kanila yung savings and checking account ko.
    Sana ma-approve ang scc application ko sa kanila.

    BTW,  may cancelled credit card ako sa kanila (in Metrobank) way back 2014 due to my financial carelessness and mindlessness though nasettled ko na in 2015. I know it's uncommon to apply for a credit card (either secured or not) from a bank where you had previously defaulted, but I think it's more on informing them that you want to redeem yourself from being a heedless, financially negligent person to a work in progress financially responsible one. 😊
  • My BPI scc is more than a year old and I got this message from BPI to upgrade it to a regular card. May balance pa ako sa card. Was wondering if need ko i settle yun before ako magsubmit requirements?
  • mrvladimirmrvladimir Member PEx Rookie ⭐


    Meron na nagpost ng ganito dati pero hindi ko na makita.. ibig sabihin nito na bank-initiated yung pagpa convert?

    Sa 6 yrs kong naka bpiscc, ngayon lang ako nakatanggap nito 

    So same day, nagpasa ako ng requirements: other cc soa + payslip

    Nawala sa isip ko na need nga pala zero balance.. nada 1.2k p balance ko pero tinanggap ng branch yung forms. Hindi naman kasi nakalagay sa link na dapat zero balance na. 
  • BoyPutoBoyPuto PEx Rookie ⭐


    Meron na nagpost ng ganito dati pero hindi ko na makita.. ibig sabihin nito na bank-initiated yung pagpa convert?

    Sa 6 yrs kong naka bpiscc, ngayon lang ako nakatanggap nito 

    So same day, nagpasa ako ng requirements: other cc soa + payslip

    Nawala sa isip ko na need nga pala zero balance.. nada 1.2k p balance ko pero tinanggap ng branch yung forms. Hindi naman kasi nakalagay sa link na dapat zero balance na. 
    Ok lang kaya kahit SOA lang ng ibang CC?
  • mrvladimirmrvladimir Member PEx Rookie ⭐
    BoyPuto said:


    Meron na nagpost ng ganito dati pero hindi ko na makita.. ibig sabihin nito na bank-initiated yung pagpa convert?

    Sa 6 yrs kong naka bpiscc, ngayon lang ako nakatanggap nito 

    So same day, nagpasa ako ng requirements: other cc soa + payslip

    Nawala sa isip ko na need nga pala zero balance.. nada 1.2k p balance ko pero tinanggap ng branch yung forms. Hindi naman kasi nakalagay sa link na dapat zero balance na. 
    Ok lang kaya kahit SOA lang ng ibang CC?
    Yup, naka lista na "other bank soa".
    binigay ko yung eastwest soa ko + payslips
  • tadashi_2019tadashi_2019 PEx Rookie ⭐
    I decided to cut my MCC scc na today. May remaining balance ako pero the officer confirmed over the phone na i-deduct na yun sa hold out deposit ko. Buti naman at di ko na pala kelangan pumunta sa branch to arrange the cancellation. Remaining hold out deposit will be released daw within 35 calendar days. Thanks and goodbye MCC.
  • BoyPutoBoyPuto PEx Rookie ⭐
    I decided to cut my MCC scc na today. May remaining balance ako pero the officer confirmed over the phone na i-deduct na yun sa hold out deposit ko. Buti naman at di ko na pala kelangan pumunta sa branch to arrange the cancellation. Remaining hold out deposit will be released daw within 35 calendar days. Thanks and goodbye MCC.
    Ilan years na MCC scc bago icut?

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