I'm very sorry to the CSR earlier. Tumawag siya sa akin nag offer ng insurance. Pinakinggan ko naman siya sa mga sinasabi niya kasi parang it would be disrespectful if I would interrupt her. After her spill, I politely declined kasi meron na akong insurance. Pero she insisted na ganito at ganyan. Again, I politely declined na hindi kaya sa budget ko. Pero pinilit niya pa rin, so what I did medyo tinaasan ko na boses ko na hindi ako interesado. Hahaha.
Ayun, nagpasalamat nalang bago binaba yung call.
Akala siguro interested ka sa offer nila, ako kasi hindi ko na hinihintay matapos ang offer nila basta mabangit lang kung insurance, loan o ano yon inooffer nila, then sinasabi ko agad " sorry po nasa work, meeting or nagdrive ako, pagisipan ko nalang at ako nalang ang tatawag, sagod kaagad yon tumawag "ay sorry po, sabay baba) hehehe. Minsan pinatapos ko yon offer nila lalo ako kinulit!
Ay ganun ba yun. Haha. Sige, next time ganun gagawin ko. Hihirit sana ako ICL pero wag nalang. Hahaha.
Basta mahinahon lang boses hindi nila mafeel binabastos sila. Never ko na try humirit ng ICL iniisip ko kung sakali inaapproved yon request ko baka maya-maya tatawag eh hindi naman talaga ako kukuha. Hehehe
Pinacancelled kona si RCBC Instacard dahil sa 3 regular cards by the other banks pwede na kaya ako mag re apply agad for regular cards sa RCBC after closing my RCBC Instacard ang references na aking i susubmit ay yun mga regular cards kuh.... syempre fully paid si RCBC Instacard upon cancellation.?????
Yes you can. Pero kung ako sayo focus muna ikw sa ibang card pataasin mu muna reference card mo.
Ang 50% Usage/Credit Utilization Ratio ba ay Good Score naba kahit umabot ng 10 ang Credit Cards ay bastat nasa 50% o hinde sagad maintained for 6 months....
Pinacancelled kona si RCBC Instacard dahil sa 3 regular cards by the other banks pwede na kaya ako mag re apply agad for regular cards sa RCBC after closing my RCBC Instacard ang references na aking i susubmit ay yun mga regular cards kuh.... syempre fully paid si RCBC Instacard upon cancellation.?????
Yes you can. Pero kung ako sayo focus muna ikw sa ibang card pataasin mu muna reference card mo.
Ang 50% Usage/Credit Utilization Ratio ba ay Good Score naba kahit umabot ng 10 ang Credit Cards ay bastat nasa 50% o hinde sagad maintained for 6 months....
Nope..dapat below 30% utilization mo maraming factor din dpat isipin kung credit score paguusapan 30% lng eto mas malaking factor pa din payment history.
Received my 2nd card yesterday. Pero hindi sya FFL. 3 yrs no annual fee. 100k limit. (1st card Gold 90k CL) Meron ba dito nag pa change ng card type? like plat or air asia? Na approve naman ba? Also nagiiba pala member since nya.
Received my 2nd card yesterday. Pero hindi sya FFL. 3 yrs no annual fee. 100k limit. (1st card Gold 90k CL) Meron ba dito nag pa change ng card type? like plat or air asia? Na approve naman ba?
Hi po... ilang months or years po bago ka na bnigyan ng 2nd card? Inoffer po b yan or inapply mo po?
Six months, usually.
Depende din sa usage. Revolver ako sa RCBC ko for some months bago ko nabayaran ng buo (pero paid on time lagi at least yung minimum). Dumaan ang 6th month at ngayon anniv ng card ko but I didn't get any offer for a second card or auto CLI.
Received my 2nd card yesterday. Pero hindi sya FFL. 3 yrs no annual fee. 100k limit. (1st card Gold 90k CL) Meron ba dito nag pa change ng card type? like plat or air asia? Na approve naman ba?
Hi po... ilang months or years po bago ka na bnigyan ng 2nd card? Inoffer po b yan or inapply mo po?
Six months, usually.
Depende din sa usage. Revolver ako sa RCBC ko for some months bago ko nabayaran ng buo (pero paid on time lagi at least yung minimum). Dumaan ang 6th month at ngayon anniv ng card ko but I didn't get any offer for a second card or auto CLI.
ako nga na kaka 6 months lang at never naging revolver, maxed out lagi and always paid in full pero ni hindi ako inofferan ni RCBC. Hahahaha ang sad. Ano kaya criteria nila para maofferan ng 2nd card lol
Received my 2nd card yesterday. Pero hindi sya FFL. 3 yrs no annual fee. 100k limit. (1st card Gold 90k CL) Meron ba dito nag pa change ng card type? like plat or air asia? Na approve naman ba?
Hi po... ilang months or years po bago ka na bnigyan ng 2nd card? Inoffer po b yan or inapply mo po?
Six months, usually.
Depende din sa usage. Revolver ako sa RCBC ko for some months bago ko nabayaran ng buo (pero paid on time lagi at least yung minimum). Dumaan ang 6th month at ngayon anniv ng card ko but I didn't get any offer for a second card or auto CLI.
ako nga na kaka 6 months lang at never naging revolver, maxed out lagi and always paid in full pero ni hindi ako inofferan ni RCBC. Hahahaha ang sad. Ano kaya criteria nila para maofferan ng 2nd card lol
Ay ganun? Uhm, siguro wait for your card's anniv? Hehe.
Received my 2nd card yesterday. Pero hindi sya FFL. 3 yrs no annual fee. 100k limit. (1st card Gold 90k CL) Meron ba dito nag pa change ng card type? like plat or air asia? Na approve naman ba?
Hi po... ilang months or years po bago ka na bnigyan ng 2nd card? Inoffer po b yan or inapply mo po?
Six months, usually.
Depende din sa usage. Revolver ako sa RCBC ko for some months bago ko nabayaran ng buo (pero paid on time lagi at least yung minimum). Dumaan ang 6th month at ngayon anniv ng card ko but I didn't get any offer for a second card or auto CLI.
ako nga na kaka 6 months lang at never naging revolver, maxed out lagi and always paid in full pero ni hindi ako inofferan ni RCBC. Hahahaha ang sad. Ano kaya criteria nila para maofferan ng 2nd card lol
Ay ganun? Uhm, siguro wait for your card's anniv? Hehe.
nakakalungkot isipin, kasi kumuha pa ko ng insurance nila. Kung di lang to NAFFL pinacut ko na to eh. Nakakatampo lang hahahaha.. Siguro kasi tumyempo yung 6monthsary ng card ko ng June 5 (email approval) or June 12 (card activation) na parehong holiday so baka naoverlook yung account ko at di naofferan. Hahahahaha.. Ewan bahala sila
nakakalungkot isipin, kasi kumuha pa ko ng insurance nila. Kung di lang to NAFFL pinacut ko na to eh. Nakakatampo lang hahahaha.. Siguro kasi tumyempo yung 6monthsary ng card ko ng June 5 (email approval) or June 12 (card activation) na parehong holiday so baka naoverlook yung account ko at di naofferan. Hahahahaha.. Ewan bahala sila
NAFFL din card ko.. JCB nga lang kaya di ko magamit din masyado, nakatago lang sa ngayon. Naka-auto charge lang Meralco namin kaya may usage din monthly. Pinag-iisipan ko pa magrequest ng CLI pag natapos ang anniv month ngayon at hindi sila magkusa magbigay.
Started RCBC Instacard Year june 2017 hold out: 17,000 Defaulted 10 years ago Globe Postpaid line unpaid usage worth 14,500 others said telcos delinquency is known reported to CIC.
Because of RCBC SCC I got 3 regular cards:
Robinsons bank DOS Platinum 20K Security Bank Mastercard classic 45K Unionbank Gold VISA 34K
just wanna share my story. i also started with rcbc instacard in jan 2018 after i defaulted a cc 10 years ago. after 1 year + of good pymt with my rcbc scc, i started applying for a regular cards. i have now security bank mc and just recently approved for metrobank and bpi, but prior to this, hirap din akong maapprove sa banks na eto. until nag try ako ng scc. thanks to my rcbc instacard. so sa mga kapwa ko scc holders, there's always a very good chance of getting a regular card basta maintain lng natin eto. goodluck to all of us.
Started RCBC Instacard Year june 2017 hold out: 17,000 Defaulted 10 years ago Globe Postpaid line unpaid usage worth 14,500 others said telcos delinquency is known reported to CIC.
Because of RCBC SCC I got 3 regular cards:
Robinsons bank DOS Platinum 20K Security Bank Mastercard classic 45K Unionbank Gold VISA 34K
just wanna share my story. i also started with rcbc instacard in jan 2018 after i defaulted a cc 10 years ago. after 1 year + of good pymt with my rcbc scc, i started applying for a regular cards. i have now security bank mc and just recently approved for metrobank and bpi, but prior to this, hirap din akong maapprove sa banks na eto. until nag try ako ng scc. thanks to my rcbc instacard. so sa mga kapwa ko scc holders, there's always a very good chance of getting a regular card basta maintain lng natin eto. goodluck to all of us.
Hello, naconvert mo na ba instacard mo sa rcbc into regular cc ?
yes po just last May. then converted into gold with 50k limit from 30k. still waiting for the release of hold out deposit tho. will take 60 days pa daw kasi.
nagapply ka po ba ng regular cc or nrequest mo convert into regular cc instacard mo ?
requested for conversion into regular cc po.
sabi kc ng nkausap ko sa cs nla you have to apply for regular cc d daw sla nagcconvert ng instacard
cguro po pwede, not sure tho. but in my case na convert ung instacard ko into reg gold mc. nagpatulong kasi aq sa boa ko since nag open din ako ng hexagon club nila. it only took 2 weeks.
ah i see nalaman mo ba agad sa boa mo na approved conversion mo ? pahelp na lang din ako sa boa ko 😍
Started RCBC Instacard Year june 2017 hold out: 17,000 Defaulted 10 years ago Globe Postpaid line unpaid usage worth 14,500 others said telcos delinquency is known reported to CIC.
Because of RCBC SCC I got 3 regular cards:
Robinsons bank DOS Platinum 20K Security Bank Mastercard classic 45K Unionbank Gold VISA 34K
just wanna share my story. i also started with rcbc instacard in jan 2018 after i defaulted a cc 10 years ago. after 1 year + of good pymt with my rcbc scc, i started applying for a regular cards. i have now security bank mc and just recently approved for metrobank and bpi, but prior to this, hirap din akong maapprove sa banks na eto. until nag try ako ng scc. thanks to my rcbc instacard. so sa mga kapwa ko scc holders, there's always a very good chance of getting a regular card basta maintain lng natin eto. goodluck to all of us.
Started RCBC Instacard Year june 2017 hold out: 17,000 Defaulted 10 years ago Globe Postpaid line unpaid usage worth 14,500 others said telcos delinquency is known reported to CIC.
Because of RCBC SCC I got 3 regular cards:
Robinsons bank DOS Platinum 20K Security Bank Mastercard classic 45K Unionbank Gold VISA 34K
just wanna share my story. i also started with rcbc instacard in jan 2018 after i defaulted a cc 10 years ago. after 1 year + of good pymt with my rcbc scc, i started applying for a regular cards. i have now security bank mc and just recently approved for metrobank and bpi, but prior to this, hirap din akong maapprove sa banks na eto. until nag try ako ng scc. thanks to my rcbc instacard. so sa mga kapwa ko scc holders, there's always a very good chance of getting a regular card basta maintain lng natin eto. goodluck to all of us.
Hello, naconvert mo na ba instacard mo sa rcbc into regular cc ?
yes po just last May. then converted into gold with 50k limit from 30k. still waiting for the release of hold out deposit tho. will take 60 days pa daw kasi.
nagapply ka po ba ng regular cc or nrequest mo convert into regular cc instacard mo ?
requested for conversion into regular cc po.
sabi kc ng nkausap ko sa cs nla you have to apply for regular cc d daw sla nagcconvert ng instacard
cguro po pwede, not sure tho. but in my case na convert ung instacard ko into reg gold mc. nagpatulong kasi aq sa boa ko since nag open din ako ng hexagon club nila. it only took 2 weeks.
same card pa din ba ung naconvert pa din ba or bngyan ka nla ng bagong card ?
pag lagi mo ba nasasagad CL mo nagbibigay sila auto CLI kahit bago pa lang yung card mo? like for example 300k CL ko tas ma max ko na sya in 5 days, tas bayaran ko lahat then max na naman again in 5 days then paulit ulit na cycle. Malaki ba chance magka auto CLI ako? salamat
pag lagi mo ba nasasagad CL mo nagbibigay sila auto CLI kahit bago pa lang yung card mo? like for example 300k CL ko tas ma max ko na sya in 5 days, tas bayaran ko lahat then max na naman again in 5 days then paulit ulit na cycle. Malaki ba chance magka auto CLI ako? salamat
Sa akin, hindi naman totoo iyan. Lagi namang nama-max out ang card usage ko, pero walang auto-ICL e.
nakakalungkot isipin, kasi kumuha pa ko ng insurance nila. Kung di lang to NAFFL pinacut ko na to eh. Nakakatampo lang hahahaha.. Siguro kasi tumyempo yung 6monthsary ng card ko ng June 5 (email approval) or June 12 (card activation) na parehong holiday so baka naoverlook yung account ko at di naofferan. Hahahahaha.. Ewan bahala sila
NAFFL din card ko.. JCB nga lang kaya di ko magamit din masyado, nakatago lang sa ngayon. Naka-auto charge lang Meralco namin kaya may usage din monthly. Pinag-iisipan ko pa magrequest ng CLI pag natapos ang anniv month ngayon at hindi sila magkusa magbigay.
naku unahan mo nang magrequest yan kung ayaw mong mabigyan ka ng cute na increase sa credit limit mo hahahahahahaha.. yan mga naging karanasan ng ibang pexers dito kay Bankard
Surprised to receive a text message from Bankard that my credit limit has been increased 5x. From 100,000 to 500,000. Once ko lang siya nagamit nung 2015 nung natanggap ko yung card. NAFFL for life yung card ko. Thanks Bankard! Tanong ko lang, automatic ba maguupgrade yung card ko? Gold kasi yung card ko now.
Tung gold ko na NAFFL nung tumaas limit biglang naging platinum. Bankcard upgraded - bank initated so nag email ako para may document ako na retained ang NAFFL
Comments
Never ko na try humirit ng ICL iniisip ko kung sakali inaapproved yon request ko baka maya-maya tatawag eh hindi naman talaga ako kukuha. Hehehe
Meron ba dito nag pa change ng card type?
Depende din sa usage. Revolver ako sa RCBC ko for some months bago ko nabayaran ng buo (pero paid on time lagi at least yung minimum). Dumaan ang 6th month at ngayon anniv ng card ko but I didn't get any offer for a second card or auto CLI.
Ay ganun?
NAFFL din card ko.. JCB nga lang kaya di ko magamit din masyado, nakatago lang sa ngayon. Naka-auto charge lang Meralco namin kaya may usage din monthly. Pinag-iisipan ko pa magrequest ng CLI pag natapos ang anniv month ngayon at hindi sila magkusa magbigay.
Ewan ko lamang po sa iba.