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Easiest bank to get a credit card

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#1 miketest75



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Posted 13 February 2014 - 07:58 AM

Hi guys, been trying to get a credit card for years... used to have one and even offered some pero hindi ko kinuha or pinasarado ko na yung account. now I am in "contractual" basis with my new work... wondering if there is a bank na hindi masyadong mabusisi... ironic is that even at contractual basis my pay was bigger than my friend who was a stay at home mom... yung mag-kasama kami sa mall... someone from Citibank approached us... sya pinayagan pero lagay lang na stay at home mom... ako hindi daw pwede sa Citibank since i was contractual... the thing was I knew that her husband's pay is no where near what I take in a month (3-4x) pero hindi ako pwede at least for Citibank... so i jokingly said... pwede ba house-husband magka-card? natawa lang yung babae na nag-o-offer. :P

Seriously though, any banks na madali ang kumuha ng credit card? since main problem ko is the certificate of employment... once they see contractual... or probationary status... tapos. Odd nga meron mga promos sila (some banks) sa new-grads... pero ako hindi din pwede since I do not have an existing student ID and proof na new grad ako. >.<

#2 Rick56


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Posted 13 February 2014 - 08:12 AM

May account ako sa BPI
Ang ginawa ko e nagsabi kukuha ako ng credit card
Tapos ipapa freeze ko ang pera ko at yon ang naging basehan ng ano ang credit limit ko
Wala ng tanung-tanong pa kung contractual ka o magkano ang kinikita mo buwan-buwan
Nakalimutan ko paano ang computation basta
P35,000 ang pina freeze ko at P28,000 ang naging credit limit ko

#3 Miggz



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Posted 13 February 2014 - 11:42 AM

I got a BDO card when I was working, 20k limit

Had it cut coz I went back to school

I had about 200k in savings

While still a grad student, BDO sends me a card with a 350k limit B) I didn't even apply for one

#4 damoncho



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Posted 03 March 2014 - 12:50 AM


#5 chairmanofdabored



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Posted 18 May 2014 - 12:45 PM

For what purpose? Online shopping? Kung meron kang funds, kuha ka na lang prepaid debit card...

#6 windjammer



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Posted 22 May 2014 - 04:51 PM

get a secured credit card muna. bpi, metrobank. rcbc, hsbc and unionbank, among others, nag o-offer nito. after a year of good usage/payment gagawin nilang regular card at irerelease nila ang hold-out deposit mo.

#7 matthew



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Posted 23 August 2014 - 08:47 PM

Apply ka through agents.. a lot are good in having it approved. RCBC, BDO

#8 LeChoke



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Posted 30 August 2014 - 07:22 PM

Just keep a significant amount of money in the bank and get to know the branch staff. Wait for a few months and the bank main office will automatically apply you for one using their system database.

#9 omega2959



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Posted 03 September 2015 - 02:06 PM

baka pag nag deposit ka sa bank nila papadalhan ka nalang nila ng card ng kusa.  just make sure na significant amount yun.  maybe 20k or more.  wag below

#10 PG007



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Posted 16 October 2015 - 08:22 PM

They say its easy to apply with Easywest.

#11 Seta Sinestro

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Posted 25 January 2016 - 06:54 AM

hopefully may mag update dito. currently a freelancer but i think i need a credit card kasi :(

#12 fluidshark



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Posted 25 January 2016 - 10:03 AM

thanks sa nag posts, need one for travel purposes but not gonna use it  :D

#13 viclorenz



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Posted 07 May 2016 - 12:18 AM

150k deposited at my BDO savings account for three months but no approval from card application yet. May chance pa kaya?

#14 arsonist2010



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Posted 13 May 2016 - 11:22 AM

sa akin naman BPI nag time deposit ako ng 500k, basta na lang ako pinadalan ng credit card after 3months

#15 averageken



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Posted 24 May 2016 - 01:36 PM

AUB bank, less ang mga annual fees and interest than other banks

#16 SharLene Grey

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Posted 24 May 2016 - 05:31 PM

BPI for BPI Express credit Card

#17 Retz


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Posted 25 May 2016 - 09:23 AM

I think Citibank would be the easiest you could find one in the mall and they gave out free popcorn and drinks. The catch is no annual fee.  

#18 snakeeater



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Posted 26 May 2016 - 11:22 AM

fastest way to get one (if don't have one yet) is to apply from the bank where you have a SA. Ask the manager for help. They will give you a form.

#19 praetorius



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Posted 26 May 2016 - 06:39 PM

sa akin naman BPI nag time deposit ako ng 500k, basta na lang ako pinadalan ng credit card after 3months



150k deposited at my BDO savings account for three months but no approval from card application yet. May chance pa kaya?

di ibig sabihin na mag deposit ka lang ay ok na. tinitignan din nila ang provenance ng funds mo, kung may movement ba or wala or kung sa assessment nila ay meron ka talagang pambayad later on sa credit card.

I've had time dep amounting to millions (several accounts) but not ONCE na nag offer ang BDO sa akin ng credit card. Di rin naman ako nag aapply since i don't need it naman.

Usually, may makikita ka gumagala sa SM malls na mga "agents" na para dyan. A few months back, meron mga taga MetroBank yata yun sa grocery area. All you need to present initially is a PRC license.

Lately, may mga kiosks ako nakita na from MayBank naman, also offering credit cards.

#20 martinace1



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Posted 27 May 2016 - 03:29 AM

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 




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