SCC Secured Credit Cards (S2)

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  • BoyPuto said:
    Update:
    Received a text from BPI yesterday, February 4,  that the card is on its way and will receive within 10 working days.
    Feb 5, card arrived and received by my Father in law. I provided the authorization letter from BPI with my ID. :D 

    Wow ang bilis! San branch kayo nagapply?
    Laguna Central - Santa Rosa Laguna po.
  • erwan0105erwan0105 Member PEx Rookie ⭐
    My SCC timeline: 

    Jan. 11- opened account and hold amount
    Jan. 18- got my atm card, registered it on bpi online and saw credit card on my account but no notification/SMS
    Jan 21- got a welcome text from BPI (10 days to receive card)
    Jan 24- got another welcome text from BPI ( 7 days to deliver card)
    Jan. 28- failed to deliver, requested for branch pickup
    Feb 6- finally got the card 😄

    Pwede naman po i-enroll bills like pldt sa credit card? Para kahit wala ako i-swipe yun na lang pang build ng credit history. 😊
  • pokemonaddictpokemonaddict Member PEx Influencer ⭐⭐⭐
    I just said goodbye na to my BPI SCC. I went to my BOA earlier today and requested for my BPI SCC to be cancelled and nagrequest din ako na irelease ang HO ko na 10k. The manager assisted me and sabi it will take 30 days daw, so it's a matter of waiting game for me.

    Of course, I was asked bakit ko daw gusto ipacancel, sabi ko di ko na nagagamit at may iba na akong credit cards from other issuers na regular cards pa.

    i was asked kung sigurado ba daw ako sa cancellation kasi pwede naman daw ako magrequest for card conversion. Sabi ko, sure na ako unless pwede ako magrequest to card conversion WITHOUT having to submit any income documents, kasi kakalipat ko lang ng company, wala pa 1 month sa company at wala din ako maiprovide na 1 month na pasylip. Kaya baka pwede ihonor na SOA lang from other issuers. 

    Inask ako kung 1 year na ba daw tenure ng mga regular cc ko. Sabi ko wala pa, 2 months palang si BDO and 6 months palang si PNB. Ayon hindi daw pwede, need daw at least 1 year ang regular cc kung magrerequest ako for card conversion WITHOUT any income documents. So ayon, nagproceed na lang ako sa request for scc cancellation.

    i was asked to surrender my scc at sinira siya sa harapan ko habang pina pafill  out ako ng pink form.

    (Alam ko pwede ienroll si RCBC cc ko sa BPI ko para inggitin at at itorture sa BPI para mabigyan ako ng pre approved cc so I can skip the income documenta thing pero ayaw ko, hassle na mag enroll. Since hindi ko na main bank ngayon si BPI at si BDO na main bank ko. Ayaw ko pumila ng mahaba kay BPI para lang magdeposit para mabayaran lang si RCBC kung pwede ko naman bayaran si RCBC thru BDO online or GCash na mas convenient pa. I'm not really interested in having a regular card from BPI, pero ok lang kung bibigyan nila ako ng pre approved cc kapag nasilip nila cards ko kay BDO at RCBC :lol: )

    my reasons for the cancellation -
    * long queue time. We all know that. Although medyo nag improve naman. Pero minsan matagal padin at nagdo drop call pa
    * ayaw ko machargean ng AF. I know madali magpa waive ng AF kay BPI. Usually condition is spend 9k within 3 months. Pero seriously, ayaw ko mag spend ng 9k tapos pagttyagaan ko tumawag ulit sa hotline para ipa reverse. Sayang din points, mas gusto ko mapunta nalang kay BDO Shopmore.
    * may regular credit cards na ako sa ibang cc issuer
    * inalis nila na call back feature. Hindi ko sana ipapa cancel ang scc kaso ever since na inalis nila callback feature na yan last year eh nagdecide na akong ipacancel nalang by this year. I hate their hotline kaya sobrang convenient sakin nuon yung call back feature nila. 
    * natakot ako sa mga recent fraud cases nila. Very poor ang fraud management team nila. 

    Pero thank you padin BPI. it was a good journey with you since Dec 2017. Dec 2017 ako nag apply ng scc at Jan 2018 naapprove and nadeliver.

    nang dahil sayo BPI Scc with a 9k cl,
    nagkaroon ako ng:
    • BOC CC last March 2018 with CL of 20k. It was my first regular cc ever but I cancelled this last January 2019 palang (my reason is stated on the BOC thread)
    • RBank CC approved last May 2018 with 10k CL 
    • PSBank Flexi Loan Card approved last May 2018 with 40k CL
    • PNB TTC approved last August 2018 with 20k CL

    And then.. I got approved without your help:
    • BDO Shopmore + BDO AMEX 60k shared limit on Dec 2018
    • RCBC Classic JCB 30K CL on Dec 2018

    and just today, as of writing, I received a pre approved BDO Diners Club. (Iniisip ko pa kung ipapa activate ko o hindi, baka maluge lang ako sa AF dahil shared limit lang eto sa Shopmore + AMEX ko, buti sana kung separate limit pwede ko iconsider na iactivate)

    lastly, happy na ako with BDO. BDO is now my main bank and Shopmore is now my main cc. Kaya di na kita kailangan 😁😁
    (pero ok lang kung sakali masilip mo yung iba kong TU cards at padalhan mo ako balang araw ng pre approved cc -- a boy can dream diba? 😂😂 I'm still keeping my two savings account with you)
  • tadashi_2019tadashi_2019 PEx Rookie ⭐
    edited February 6
    ^^^ Oo nga naman. Why stay with BPI kung mas binibigyan ka ng importansya ng ibang bangko. Besides, they’re not the “it” bank like they think they are. Kudos to you.

    (Bitter lang kay BPI kasi di ako inendorse despite my payroll and savings accounts with them 😂)
  • pokemonaddictpokemonaddict Member PEx Influencer ⭐⭐⭐
    ^^^ Oo nga naman. Why stay with BPI kung mas binibigyan ka ng importansya ng ibang bangko. Besides, they’re not the “it” bank like they think they are. Kudos to you.

    (Bitter lang kay BPI kasi di ako inendorse despite my payroll and savings accounts with them 😂)
    Iisang boa lang ba payroll and SA mo? Or magkaiba? Kung magkaiba pwede mo naman itry sa ibang branch.
  • tadashi_2019tadashi_2019 PEx Rookie ⭐
    ^^^ Oo nga naman. Why stay with BPI kung mas binibigyan ka ng importansya ng ibang bangko. Besides, they’re not the “it” bank like they think they are. Kudos to you.

    (Bitter lang kay BPI kasi di ako inendorse despite my payroll and savings accounts with them 😂)
    Iisang boa lang ba payroll and SA mo? Or magkaiba? Kung magkaiba pwede mo naman itry sa ibang branch.
    Same branch lang actually. Pero it’s okay, di din naman na ako interesado talaga, same exact reasons as you.
  • BoyPutoBoyPuto PEx Rookie ⭐
    Hello Guys share ko lang yung BPI SCC timeline ko

    I have a default loan before sa mga third party lending company and may delinquent din akong plan sa globe yet nag decide akong mag apply ng scc sa bpi (Petron BPI card)

    Jan 24 - Went to the branch for scc application, filled up the form and DOA
    Jan 30 - Emailed BPI to asked for update of my application
    Feb 01 - Nag reflect na online yung credit card details
                Received welcome text message on the same day
    Feb 02 - Received the card today via LBC courier

    ang saya lang na hindi ko na experience yung mga horror stories na nababasa ko dito about card delivery and process. Asked lang din po, pre activated na kaya ito or kailangan ko pang itawag sa BPI to activate. Thanks
     San email ka nagfollow up? Ano email ni BPI? Saka nagreply ba sila?
  • SoulExchangeSoulExchange 青春フールパワー PEx Expert 🎖️
    edited February 7
    Pero ang secured cards ay normally hindi makikita sa system nila ng madalian.
    Much better sa BOA ka (kung san mo inapply yung express start) mag-inquire ng status.
  • TinaDuran2010TinaDuran2010 Member PEx Rookie ⭐
    BoyPuto said:
    Hello Guys share ko lang yung BPI SCC timeline ko

    I have a default loan before sa mga third party lending company and may delinquent din akong plan sa globe yet nag decide akong mag apply ng scc sa bpi (Petron BPI card)

    Jan 24 - Went to the branch for scc application, filled up the form and DOA
    Jan 30 - Emailed BPI to asked for update of my application
    Feb 01 - Nag reflect na online yung credit card details
                Received welcome text message on the same day
    Feb 02 - Received the card today via LBC courier

    ang saya lang na hindi ko na experience yung mga horror stories na nababasa ko dito about card delivery and process. Asked lang din po, pre activated na kaya ito or kailangan ko pang itawag sa BPI to activate. Thanks
     San email ka nagfollow up? Ano email ni BPI? Saka nagreply ba sila?
    sa [email protected] pero hindi naman sila nag reply, nag pa balik balik lang ako sa pag check online, mas nauna pa yung credit card details online kesa sa welcome text. 
  • is0yis0y Member PEx Rookie ⭐
    erwan0105 said:
    My SCC timeline: 

    Jan. 11- opened account and hold amount
    Jan. 18- got my atm card, registered it on bpi online and saw credit card on my account but no notification/SMS
    Jan 21- got a welcome text from BPI (10 days to receive card)
    Jan 24- got another welcome text from BPI ( 7 days to deliver card)
    Jan. 28- failed to deliver, requested for branch pickup
    Feb 6- finally got the card 😄

    Pwede naman po i-enroll bills like pldt sa credit card? Para kahit wala ako i-swipe yun na lang pang build ng credit history. 😊
    pwede naman e enroll sa autodebit. pero you could save that option for future annual fee reversal soon. hehe
  • SoulExchangeSoulExchange 青春フールパワー PEx Expert 🎖️
    BoyPuto said:
    Hello Guys share ko lang yung BPI SCC timeline ko

    I have a default loan before sa mga third party lending company and may delinquent din akong plan sa globe yet nag decide akong mag apply ng scc sa bpi (Petron BPI card)

    Jan 24 - Went to the branch for scc application, filled up the form and DOA
    Jan 30 - Emailed BPI to asked for update of my application
    Feb 01 - Nag reflect na online yung credit card details
                Received welcome text message on the same day
    Feb 02 - Received the card today via LBC courier

    ang saya lang na hindi ko na experience yung mga horror stories na nababasa ko dito about card delivery and process. Asked lang din po, pre activated na kaya ito or kailangan ko pang itawag sa BPI to activate. Thanks
     San email ka nagfollow up? Ano email ni BPI? Saka nagreply ba sila?
    sa [email protected] pero hindi naman sila nag reply, nag pa balik balik lang ako sa pag check online, mas nauna pa yung credit card details online kesa sa welcome text. 
    Kapag ganito, yung di sila nagrereply, i-follow up nyo sa twitter. Send nyo lang yung email info (time, email sent to, subject, screenshot kung pwede) via PM tapos sila na mag-follow up non. Mabilis sila magreply sa twitter
  • erwan0105erwan0105 Member PEx Rookie ⭐
    is0y said:
    erwan0105 said:
    My SCC timeline: 

    Jan. 11- opened account and hold amount
    Jan. 18- got my atm card, registered it on bpi online and saw credit card on my account but no notification/SMS
    Jan 21- got a welcome text from BPI (10 days to receive card)
    Jan 24- got another welcome text from BPI ( 7 days to deliver card)
    Jan. 28- failed to deliver, requested for branch pickup
    Feb 6- finally got the card 😄

    Pwede naman po i-enroll bills like pldt sa credit card? Para kahit wala ako i-swipe yun na lang pang build ng credit history. 😊
    pwede naman e enroll sa autodebit. pero you could save that option for future annual fee reversal soon. hehe
    Thanks sir for the tip! Ang na insert ko lang na monthly is netflix 😂😂😂 hindi ko pa alam kung paano ang sa PLDT for enrollement of bill. I'll just enjoy the 1st year no AF
  • Question po. Nagapply ako BPI SCC nung Feb 1 tas nagfollow up ako sa BOA ko, sabi nila "for implementation na sir" What does "for implementation" means? pero wala pa ko txt or kahit ano email na narereceived sa BPI. Thank you!
  • Nagcheck ako ngayon sa eol. Nahiwalay na yung total balance saka yung available balance. Ano po ibig sabihin non? Pero wala parin sya CC details. Automatic ba yong magappear don?
  • SoulExchangeSoulExchange 青春フールパワー PEx Expert 🎖️
    Not sure what "for implementation" means pero keep calm lang. Automatic na lilitaw yan. Feb 8 pa lang naman :D
    Magkaiba na balance mo, ibig sabihin naka-hold na yung pera mo for the express start.
  • Not sure what "for implementation" means pero keep calm lang. Automatic na lilitaw yan. Feb 8 pa lang naman :D
    Magkaiba na balance mo, ibig sabihin naka-hold na yung pera mo for the express start.
    Wow thank you po! 41k kasi total ng deposit ko tapos yung 40k yung pinahold ko. Yung 1k nasa available balance tas yung 40k nasa total balance naman :)
  • ohjhelskyohjhelsky Member PEx Rookie ⭐
    I also terminated my BPI SCC in my BOA last January 29. They told me na one (1) month nga yung release ng hold out for the said cancellation. It was my first credit card since 2016 at nagpapasalamat din naman ako sa BPI kasi they trusted me. But unfortunately, nag'let go na rin ako due to may mga other banks naman na rin na nagpadala sa akin ng CC's but ang mismong BPI, wala.

    Gusto ko ang BPI pagdating sa purchasing abroad dahil maliit yung forex fee. Hoping na maging ganun kaliit yung foreign exchange and other fees (which is si EWB is nakikisabay na). And then suddenly this week, tumawag ang BOA ko na qualified daw ako magkaroon ng credit card sa kanila. So after how many years, nakakaloko lang. But I grab it, para kung magkaroon man or hindi, hindi masakit. Hahaha!

    Waiting na lang ako sa release ng holdout and sa magiging outcome ng regular CC na inapply ko sa kanila.

    Salamat dito sa mga naging comments/suggestions/inputs niyo. It really helps. :)
  • pokemonaddictpokemonaddict Member PEx Influencer ⭐⭐⭐
    ohjhelsky said:
    I also terminated my BPI SCC in my BOA last January 29. They told me na one (1) month nga yung release ng hold out for the said cancellation. It was my first credit card since 2016 at nagpapasalamat din naman ako sa BPI kasi they trusted me. But unfortunately, nag'let go na rin ako due to may mga other banks naman na rin na nagpadala sa akin ng CC's but ang mismong BPI, wala.

    Gusto ko ang BPI pagdating sa purchasing abroad dahil maliit yung forex fee. Hoping na maging ganun kaliit yung foreign exchange and other fees (which is si EWB is nakikisabay na). And then suddenly this week, tumawag ang BOA ko na qualified daw ako magkaroon ng credit card sa kanila. So after how many years, nakakaloko lang. But I grab it, para kung magkaroon man or hindi, hindi masakit. Hahaha!

    Waiting na lang ako sa release ng holdout and sa magiging outcome ng regular CC na inapply ko sa kanila.

    Salamat dito sa mga naging comments/suggestions/inputs niyo. It really helps. :)
    Congrats! 

    Not sure kung ganyan talaga ang mga banks lalo na BPI na hindi nagpapadala ng pre approved cc hangga't may existing scc. 

    Did you enroll your other cc's from other issuers to your SA?

    Malabo yata ako offeran ng pre approved cc ni BPI since hindi na ako nagdedeposit sa tatlong SA ko :lol:
  • Hi, everyone. I have a question. I am suppose to get my RCBC SCC next week. Hopefully. Yung reason ba't ako nag apply for a SCC kasi I plan to get a laptop which is worth 28k and I can't pay it in full so having a SCC is the best option for installment payment. Kaso, ang CL ko lang na dineclare ay 10k. If I purchase the item using the SCC, will the transaction push through? Kasi over the limit na ako ng P18k. Yung store na bibilhan ko ng laptop has a 6, 12, 18, 24 months installment plan. Plano ko i-complete ang payment ng 12 months. Will this plan work? Anyone who did the same or had the same experience? Salamat sa mag re-reply! :)
  • is0yis0y Member PEx Rookie ⭐
    lolers said:
    Hi, everyone. I have a question. I am suppose to get my RCBC SCC next week. Hopefully. Yung reason ba't ako nag apply for a SCC kasi I plan to get a laptop which is worth 28k and I can't pay it in full so having a SCC is the best option for installment payment. Kaso, ang CL ko lang na dineclare ay 10k. If I purchase the item using the SCC, will the transaction push through? Kasi over the limit na ako ng P18k. Yung store na bibilhan ko ng laptop has a 6, 12, 18, 24 months installment plan. Plano ko i-complete ang payment ng 12 months. Will this plan work? Anyone who did the same or had the same experience? Salamat sa mag re-reply! :)
    kelangan po kasya sa CL ang price ng bibilhin mo. the total price will be divided depending sa term ng installment mo.

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