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.

[cynophile]

Lagi po akong na-dedecline sa credit card application sa ibang banks. Si BPI lang talaga ang nagmahal sakin 🥹 char pero legit, siya lang yung nagbigay.

 

BPI po yung main bank ko since high school pa, hanggang ngayon na naging preferred client na ako. Nakakuha ako ng BPI Gold Rewards card with 320k limit, then eventually na-upgrade ako to Visa Signature. Lagi ko kasi ginagamit pang-book ng tickets ng mga therapist namin na pinapadala ko sa Cebu from Manila.

 

Always on time ako magbayad, at wala naman akong bad record sa kahit anong bank (as far as I know ).

 

Pero recently, declined ako sa:

 

UnionBank (kahit may 1M ako sa kanila noon, na unti-unti ko na ngayong wino-withdraw )

BDO

RCBC

Metrobank

wala po akong savings sa tatlong huli.

 

Any idea po bakit kaya ako lagi na-dedecline?

Nahu-hurt ba credit score ko sa bawat declined application?

Need ko ba talaga mag-open muna ng savings sa kanila para tumaas chance?

At kung na-decline ako, kailangan ko ba maghintay ng ilang buwan bago mag-reapply kahit mag-open na ako ng account?

 

any advice! 🙏