Credit Card Talk

[DennisD]

What's the best way po to increase cc limit?

[GalawangMovement]

On 12/9/2024 at 7:41 AM, DennisD said:

What's the best way po to increase cc limit?

Call your bank. Tell them you wanted to increase your credit limit.

[GalawangMovement]

On 11/25/2024 at 8:18 AM, acef said:

Bukod sa mga waive annual fee for life, i-capitalize din yung mga freebies. 2016 or 2017, i got a free herschel bag sa isang cc, then may isa pa na nike evoucher worth 5k. Parang 20k lang yung need ispend to qualify, sinakto ko lang na may trip abroad kami kaya nagamit ko agad.

@acefpano to? I have 2 platinum cards from BDO pero wala akong any freebie na nakuha. Depende ba to sa bank? 

[porj14]

Bpi amore, SB wave

[chuckaclan]

May credit card na permanent waive yung annual or monthly fee?

[Juicylicious17]

?????????????????

[Lonmar456]

Importante sa pag travel. And also buildign the credit score. 

[Peter Bishop]

What's the best credit card sa Pinas?

[DirtyDaddy]

Yes bruh! Dami nag offer na banks agawan sila client base

[lakuachero89]

aggressive ngayon sa promos sila eastwest bank and chinabank

[DirtyDaddy]

May bago CC Maya bank, black credit card NAFFL, may airport lounge access pa! Very promising!

[Super Mike]

Meron din iba na may kasamang e-credit card. Babaan mo limit para sa mga lazada type online purchases. Mahirap na baka cc na malaking limit tapos mahack

[JUANPATAKARAN]

On 4/17/2025 at 2:31 AM, DirtyDaddy said:

Yes bruh! Dami nag offer na banks agawan sila client base

bdo gamit. kaya BDO din maooffer ko 3 years na walang annual fee, siguro dahil bihira gamitin

[SiPrinceAli]

On 12/9/2024 at 7:41 AM, DennisD said:

What's the best way po to increase cc limit?

 

On 12/25/2024 at 12:48 PM, GalawangMovement said:

Call your bank. Tell them you wanted to increase your credit limit.

Or pay religiously, like I did with my BPI Rewards CC. Started with a 25K limit, and 6 or so months in with sufficiently large regular payments saw my limit double.

[kirifuda]

Hi. Former bank employee here. Sana makatulong.

Meron ka ba ibang family members na may CC or may primary/supplementary setup kayo sa mga cards? Meron ka ba ongoing loans? Baka meron ka relative na may negative records sa banks na kahit hindi related sa CC kaya nadadamay yung application mo.

Sa scenario mo kasi, (meron ka existing card, malaki laman ng account mo, on-time magbayad, etc). dapat qualified ka, unless may bagong policy yung mga bank.

Possible reason na naging strict sila sa pag-issue ng mga CC is madaming hindi nakakapagbayad, especially nung time ng pandemic and nahihirapan sila maningil. Madami pa sa kanila hindi nakakarecover.

Isang malaking factor sa applications is yung source of income, gusto nila ensure na makakapagbayad ka. If stable naman (own business or employed by private) mataas chance na ma-approve. Kaso yung type of business din kasi tinitignan nila, if medyo sketchy sa palagay nila, mag-aalangan sila mag-approve. Meron din ata impact if related ka sa isang political/public figure.

Usually pag mag-open ka ng checking/current account na malaki initial pati maintaning balance and kung wala ka hit sa AMLA, mas may chance na ma-approve application mo. Yung mga savings account kasi na P500 or Zero to open/maintain medyo skeptical sila baka kasi gamitin lang pang money laundering. Kung successful yung pag-open mo ng account, expect na may tatawag sa yo in a few days para sa CC application. If sa branch ka nag-open baka dun pa lang mag-offer na sila ng card sa yo.

Hindi ko alam if uso pa rin ngayon yung meron mag CI sa area niyo, yung may pumupunta tapos magtatanong sa mga tao sa neighboorhood tungkol sa applicant. Baka meron nagpunta tapos siniraan ka ng mga kapitbahay mo, auto deny kaagad yan regardless kung nagsasabi sila ng totoo or hindi.

If napadaan ka sa mga malls tapos meron nag-ooffer ng credit card, pwede mo rin try doon lalo na if meron promo. Dun sa mga ganun kasi kailangan nila maka-quota tapos may incentive pag na-approve yung application so ipupush nila yun.

I don't think may effect sa credit score mo yung declined application. Yung consistently late or no payments lang usually yan.

Good luck sa mga application mo.

Edited June 26, 2025 by kirifuda