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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.

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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
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Hi guys, im not sure if meron pa din ito today, hindi ko na kasi masyado napapansin pero before i got citibank shell. ang bilis lang, nagpakarga ako sa shell then lumapit isang ahente. fill up form lang then after 1week nasa office na ung card ko. after getting citibank Shell, i used it for reference ng cards ko from other bank. thats my experience.

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bDo pag may savings account ka sa kanila. same din sa BPi. pinakamadali is meron u bank history sa preferred bank u para may reference sila sa spending habits and income nyo. if you accumulate cash more, (deposit or leave more cash than you spend) then madali lang ang card. (low wage salary medyo mahirap) since masarap gumastos hirap kumita. other ways, thru agents. sometimes kailangan din nila quota. thats the time madali. anyways for me, its better na wala kang credit card. kase less temptation or oblgation magbayad. (sometimes swallowing your pride cost less than actually handing over a credit card due to pressure and emotions) hehehe piece of advice, use debit cards. at least may pondo kaysa sa utang.

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My advice kasi yung partner ko eh sa bahay lang. No work. Di pa kami pwede ikasal due to legal matters na ongoing pa so gnawa namin eh nag open sya sa BDO then deposit 25k twice amounting to 50k then weekly deposits eh around 2k to 3k. Aftr 3 months nung nag apply sya for credit card eh natanggap na sa bahay. BDO Shopmore Mastercard yung maganda nila na CC kasi ang daming advantages basta wag lang kalimutan mgbayad before due date. After 6 months of using eh apply na ng ibang CC.

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