Hi Guys, I also need help on the credit card.
Easiest bank to get a credit card
Posted 29 May 2016 - 03:06 AM
Cool, i have 1.5M approved credit line kay Citi, 1 Platinum Visa and Prestige Visa Black Card, i am also a Citigold member.
I think the easiest is Citibank.
I did not apply for a card and yet they sent me one with an attached application form missing only my signature.
Then today, a year later they send me a notice of credit line increase.
I don't use their card because I like the free Starbucks from BPI
Why do they do this?
I do not see this as an advantage - in fact this is a disadvantage because one can easily fall into debt.
Also, if your card gets compromised / stolen - then thieves can rack up a debt for you so easily and it will be up to you to contest and prove you did not make the fraudulent charges.
Sure it feels good to know that you can buy a car and just swipe it on the card (Dealers will not allow this as they have to pay 5% to the bank) but in the end, you still have to pay for it so spending can get out of control.
My sister received a pre-approved credit card 12 years ago in the mail. It was sent to an apartment that she vacated 3 months prior. The person that was living there at the time accepted the couriers delivery.
Fast forward - 7 years later - a collection agency is after her for almost 30k. It turns out they billed her for the annual fees for 2 years, late penalties, etc etc, compounded interest, collection agency fees so on and so forth.
Good thing she is a Lawyer and got it all straightened out.
To stay on topic:
Open both a Peso and a Dollar account in BPI / BDO and you will get a call or email from one of their marketing reps offering you a credit card.
Edited by martinace1, 29 May 2016 - 03:11 AM.
- Brasilis likes this
Posted 29 May 2016 - 08:29 PM
Dude that was 7 years ago already. now, they developed new high security features, years ago, this cards has no embedded EMV chip, so its easy for the frauders to copy information and transfer it to a fake card. If the merchant/s ask for your ID before they finalize the purchase, don't be get offended, this is part of their security purpose "MANUAL PURCHASING" and we have OTP for online transactions to avoid being frauded since signatures are easy to copy. to make the long story short, consider yourself lucky, do not spend what you cant afford. Amex Platinum Cardholder here and 2 black cards.
I get asked to show my ID 3 out of 20 transactions and this is usually when I am out of the country
Posted 05 June 2016 - 01:04 AM
im reading all your post guys. sana may ma approve sa 2 inapplyan ko. hehe
Posted 12 June 2016 - 05:44 PM
Posted 15 June 2016 - 08:14 PM
go to any eastwest bank and look for a sales officer.
- hero-uy likes this
Posted 16 June 2016 - 02:37 PM
for me, easiest was RCBC-Landmark card. just go to any landmark grocery, meron lagi booth dun katabi. ambilis lng ng processing, tapos approved agad.
then use it frequently and always pay full amount on time. a year after, you can apply sa ibang cards na gusto mo. makikita ng ibang companies na good record ka sa existing card mo and ma-approve ka rin agad.
Posted 26 June 2016 - 02:04 AM
From what I know, madali magkaroon ng BDO kung may pera ka sa bank nila. Fast ang approval ng HSBC, dismiss BPI - mahirap makakuha kapag wala ka pang credit card.
Posted 18 August 2016 - 10:58 PM
does anyone here have the BDO Shopmore Card? it gives an extra 20% discount at SM till 9/15. i want to buy something expensive at SM, so that extra discount would help a lot, but i don't have that card.
if you have that card, maybe we can help each other out. we'll use your card, i'll pay you the amount in cash, plus i can give you part of what i will be able to save for your trouble. thanks.
Edited by nyc2manila, 18 August 2016 - 11:01 PM.
Posted 08 December 2016 - 02:10 AM
Easiest is to open a visa debit card in eastwest or landbank. Works as a like a credit card because of visa. But if you really need a credit card, try hsbc.
Posted 08 December 2016 - 01:51 PM
opened an account with BPI for 30M and 3days later their marketong officer offered me a credit card and i accepted it right away
Posted 13 December 2016 - 09:04 AM
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