dvd_sistah Posted October 28, 2006 Share Posted October 28, 2006 hi.. recently, my grandmother got an offer from citibank. no documents required, cause shes ben on globe platinum for the almost 5 years already. we recieved an offer from citibank, the thing is.. when the question "occupation and name of company" appeared, we dont know what wo write. her income comes mainly from the crops of rice from tuguegarao and rents from apartments. she ahs 3 cars naman, and she owns her own home. what should we put? we wanna take advantage of it kasi, sayang.. anyone who could help us on what to put? to surely get approved? maski silver lang? but the gold is nice. hehe. 1 Quote Link to comment
makapangyarihan Posted November 10, 2006 Share Posted November 10, 2006 What's the best way to get Philippine credit cards such as HSBC, Citibank or BPI credit cards? I need another credit card for Christmas. Thanks! Quote Link to comment
skibeth Posted November 10, 2006 Share Posted November 10, 2006 What's the best way to get Philippine credit cards such as HSBC, Citibank or BPI credit cards? I need another credit card for Christmas. Thanks! know what? bpi credit card is the best.. you have the option to choose any type of card that they can offer... world perks bpi credit card for those who travels a lot.. miles earned are actual miles no need to convert them plus it has no expiration bpi classic card the only credit card accepted by makro with low annual fee edge and mini edge for the yupees... petron mastercard for those who loves to drive around.. so go and apply bpi credit card now!!!! Quote Link to comment
diver_703 Posted November 29, 2006 Share Posted November 29, 2006 if you got cash, why apply for credit card... mate tempt ka lang mag charge on unnecessary expeneses... nothing beats cold hard cash... Quote Link to comment
aga4433 Posted December 12, 2006 Share Posted December 12, 2006 im not from this country. im from korea...can i apply credit here? Quote Link to comment
transcience Posted December 14, 2006 Share Posted December 14, 2006 im not from this country. im from korea...can i apply credit here? i think you can. you have to attach a copy of your ACR to the application. Quote Link to comment
equipped Posted December 16, 2006 Share Posted December 16, 2006 any info reg. requirements for OFW? Please PM me. thanks Quote Link to comment
hard_core Posted December 25, 2006 Share Posted December 25, 2006 hows bankard? which ones are most accepted? Quote Link to comment
-=xtian=- Posted December 26, 2006 Share Posted December 26, 2006 know what? bpi credit card is the best.. you have the option to choose any type of card that they can offer... world perks bpi credit card for those who travels a lot.. miles earned are actual miles no need to convert them plus it has no expiration bpi classic card the only credit card accepted by makro with low annual fee edge and mini edge for the yupees... petron mastercard for those who loves to drive around.. so go and apply bpi credit card now!!!! Bro, ano ba requirement for bpi? Quote Link to comment
jonmark_qt Posted December 28, 2006 Share Posted December 28, 2006 Bro, ano ba requirement for bpi? 1 month payslip (15 and 30)ITR andali mgapply dito... Quote Link to comment
yeresera Posted January 6, 2007 Share Posted January 6, 2007 san pwede mag apply? Quote Link to comment
MitchCadiz Posted January 6, 2007 Share Posted January 6, 2007 i really dont think so na madali mag-apply sa bpi... normally for 1st timers, they would ask you to deposit an amount php 10,000 or above... the money will be in a time deposit account which you cant touch for a year... after a year mo lang pwede request to remove the restriction based sa credit performance mo.... sa card issued naman, your credit limit is 70 to 80 percent of the amount in time deposit.... secured credit card ang term nila.... FYI guys... express start pala ang tawag nila sa program na ito.... Quote Link to comment
Andie711 Posted January 20, 2007 Share Posted January 20, 2007 if you have a stable job that pays well, you wont have any problems applying for any credit cards in the ph. For self employed peeps, show them proof of your earnings. Quote Link to comment
robert45 Posted January 21, 2007 Share Posted January 21, 2007 don't be too eager to acquire a credit card, i'm now paying almost 2,000.00 per month just on interest alone. The average interest rate is 3.5 % each month on unpaid balances. Quote Link to comment
clutch_player Posted January 21, 2007 Share Posted January 21, 2007 don't be too eager to acquire a credit card, i'm now paying almost 2,000.00 per month just on interest alone. The average interest rate is 3.5 % each month on unpaid balances. bro, it depends on the credit card user. If you're responsible naman, i think that wouldnt be a problem. :cool: Quote Link to comment
xuaeenr Posted January 22, 2007 Share Posted January 22, 2007 the "plastic" makes you feel empowered to buy more than you need and more than you can afford. I've worked before as a collections officer at C#t*bank and I know too well the pitfalls of credit cards. rich and poor are afflicted by buying sprees and big discounts at malls but end up with huge balances, especially like us who are wage earners. rpbert45 is correct about it's all a matter of discpline. but discipline in the whole financial sense not just in using and buying through our cards. that is, do you have at least 6 months worth salary in your bank, are you saving 10-15% every pay day before, do you have insurance, etc? instead of credit cards, use your ATM as debit cards. it's as convenient as a credit card but you don't build a huge debt. I've been credit card free for 5 years and I'm lovin' it! my money which should go to interest now goes to spending for my kids and family on weekends! Quote Link to comment
jjb Posted January 23, 2007 Share Posted January 23, 2007 When you have a credit card never buy something you can't pay for in cash and always pay all your balance in full. When you don't have the discipline talo ka sa credit card companies. Advantages of having a credit card:1. you don't have to carry a lot of cash everytime2. you can defer the payment (meaning pag wala kang pera, gamitin mo muna card mo at sa due date mo na bayaran)3. pay on installment4. some card companies have discounts sa partner shops and you get 10% discount kahit walang sale pero kung wala kang disiplina, i do not suggest you get a card Quote Link to comment
joseph_mendoza Posted January 23, 2007 Share Posted January 23, 2007 when it comes to credit card, i think hsbc & citibank can provide you with what you really need like international acceptance, high credit limit & reasonable interest rates. but as mentioned above, you have to use your credit card wisely & responsibly. remember that interest is only applicable if you don't pay the whole amount due. also, i would suggest that you just maintain one credit card, that way one membership fee payment is enough for the whole year. if possible, take good care of your credit standing because this entails increase in credit limit. stick to a silver type card since a gold type card is more expensive to maintain when it comes to membership fee renewal. the only problem i see with owning a credit card is that you are not actually aware of what you are spending versus how much money you actully have thus your propensity to spend is greater. i would suggest to routinely check your credit card balance and allot your earnings accordingly. Quote Link to comment
jjb Posted January 25, 2007 Share Posted January 25, 2007 actually, I don't pay the annual fee anymore, I just tell them that I no longer want to use the card everytime after they charge me the annual fee - and for the past 4 years they have waived the annual fee.... Quote Link to comment
joseph_mendoza Posted January 26, 2007 Share Posted January 26, 2007 actually, I don't pay the annual fee anymore, I just tell them that I no longer want to use the card everytime after they charge me the annual fee - and for the past 4 years they have waived the annual fee.... can you really do that? could you please explain or discuss further? which card? thanks. Quote Link to comment
pariah Posted January 27, 2007 Share Posted January 27, 2007 can you really do that? could you please explain or discuss further? which card? thanks. Annual fees can be waived if you have enough "points" earned on your card... Quote Link to comment
pariah Posted January 27, 2007 Share Posted January 27, 2007 In some cases, if you have enough cash deposited at a bank, you would get a pre-approved credit card (Metrobank, etc.). Quote Link to comment
jjb Posted January 29, 2007 Share Posted January 29, 2007 QUOTE(jjb @ Jan 25 2007, 11:34 AM) actually, I don't pay the annual fee anymore, I just tell them that I no longer want to use the card everytime after they charge me the annual fee - and for the past 4 years they have waived the annual fee.... can you really do that? could you please explain or discuss further? which card? thanks. When the card company charges for the annual fee, I call the customer service hotline and tell them that I no longer need the card, they would ask why and I will tell them that I don't want to pay the annual fee or can't afford it anymore - they usually give in and tell me na this would be the only time they would waive it - I have 3 cards from citibank and I haven't paid for annual fees in 4 years - you have to consider though that I pay in full and on time. Quote Link to comment
joseph_mendoza Posted January 29, 2007 Share Posted January 29, 2007 QUOTE(jjb @ Jan 25 2007, 11:34 AM) actually, I don't pay the annual fee anymore, I just tell them that I no longer want to use the card everytime after they charge me the annual fee - and for the past 4 years they have waived the annual fee....can you really do that? could you please explain or discuss further? which card? thanks. When the card company charges for the annual fee, I call the customer service hotline and tell them that I no longer need the card, they would ask why and I will tell them that I don't want to pay the annual fee or can't afford it anymore - they usually give in and tell me na this would be the only time they would waive it - I have 3 cards from citibank and I haven't paid for annual fees in 4 years - you have to consider though that I pay in full and on time. this is a very good tactic, my renewal date will be coming up soon, i will try if this will work on me. thank you friend! Quote Link to comment
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