Credit Card Talk

[suteki kuruma]

citibank sent me a platinum card....credit limit is only 130k++, not for anything else parang insulto sakin, my wife has a gold citibank card and her credit limit is around 300k....what give's????

 

is that a local citibank platinum? i noticed that local platinum cards don't necessarily have a higher limit than gold cards.

[Mild Seven]

is that a local citibank platinum? i noticed that local platinum cards don't necessarily have a higher limit than gold cards.

 

yup local lang....but again it's a platinum....no matter what you say is supposed to have higher priveledges than a gold card, right?

Edited May 21, 2008 by mild seven

[polarburr]

Thinking of really getting me a credit card..

 

Thinking of snagging ang isang girl na nagoffer ng credit card One whol probably be in to it to get a sale. Meron ba kayon alam na ganun mga bro?

[kenshin11]

citibank sent me a platinum card....credit limit is only 130k++, not for anything else parang insulto sakin, my wife has a gold citibank card and her credit limit is around 300k....what give's????

The platinum card cost 3 times the gold card because of more benefits. Even for sake of argument you do not pay the annual due of Php 7,500 on the first year, second year up you will. My theory is that giving you Platinum card maybe gives the account executive more credit and commissions.

Edited May 25, 2008 by kenshin11

[kenshin11]

The best thing is to initially call your credit card to report that your card has been compromised..... Secondly write a 'dispute' letter to contest the said charges. They usually will investigate the matter immediately.... Better call them immediately to cancel your existing card.

Amex and Citibank are used to investigating on these kind of thing. They even have a list of black listed site, because they will change your card even without spurious charges, if they feel that your card might be compromised.

[azayco]

Is it true that certain professions are blacklisted by certain credit card companies? I heard that lawyers and law enforcers (police, NBI) are on this list. The credit evaluation reports of these people are said to be automatically rejected.

[kinjikitatani]

hindi naman siguro. they are looking for customers. pulis siguro, i black list, he hee.

 

but not the lawyers

[martinace1]

That's right, the Credit Card Companies are always looking for customers, especially with interest rates of 18% + per anum

Cops, Lawyers, NBI agents are not automatically blacklisted. AFAIK there are no specific occupations that are automatically black listed.

[The_Blade]

yup local lang....but again it's a platinum....no matter what you say is supposed to have higher priveledges than a gold card, right?

 

 

higher privileges doesnt mean higher credit limit. youre a good man if have bpi silver with 300K. most of my cards are silver with higher credit limits than any other gold cards. who needs a lot of gold cards? silver cards are easier to maintain with lower annual fees. easier to reverse these annual fees...

[bigj37]

baka may maka tulong saken... i am trying to apply for a bpi express credit card. I am unemployed right now (although by profession I used to be sales manager for several call centers)... and no business. All i have is a monthly allowance worth 60k that I get from a corporation that my Dad set up. I have an East west gold card with 300K+ limit which I pay in FULL each month therefore for the past 4 years, I have a perfect record to the point that eastwest always waive the annual fee. My question... How can I get a BPI express credit card given that I have nothing to show??? Is it possible to be given one despite me being unemployed? IF there's somebody out there who may be able to help, please PM me. I would really appreciate it. Peace!!!

[Google]

baka may maka tulong saken... i am trying to apply for a bpi express credit card. I am unemployed right now (although by profession I used to be sales manager for several call centers)... and no business. All i have is a monthly allowance worth 60k that I get from a corporation that my Dad set up. I have an East west gold card with 300K+ limit which I pay in FULL each month therefore for the past 4 years, I have a perfect record to the point that eastwest always waive the annual fee. My question... How can I get a BPI express credit card given that I have nothing to show??? Is it possible to be given one despite me being unemployed? IF there's somebody out there who may be able to help, please PM me. I would really appreciate it. Peace!!!

 

 

imho, i think you are on 50-50. it would depend on the mood of your issuer. hehehehe.

did you tell them that you are a businessman or something that is related to that? because, they will be asking for more proofs of income (e.g. COE from your dad's business, 2007 ITR, etc.)

[The_Blade]

i think it is not a problem for rich busimessman like him.

 

our messenger got most of our employees gold cards thru the bank manager signing off the application form. he himself got a silver card. hehehe.

[boyturko]

I've got a Citibank Mastercard Gold for 5 years and am thinking of switching dun sa mga cards that don't charge you for annual fee for life. Someone offered it to me, just can't remember the name. But is there such a thing? If there is, what's the catch?

[fiasco]

I've got a Citibank Mastercard Gold for 5 years and am thinking of switching dun sa mga cards that don't charge you for annual fee for life. Someone offered it to me, just can't remember the name. But is there such a thing? If there is, what's the catch?

 

Bro I have the M mastercard (M for metrobank) which has no annual fees (for life!)...up to now wala naman pang catch...pero just to be sure bihira ko gamitin din...hehe

I also have diners for 15 years na, every year waive nya annual fee nun...pero sabi sakin kun 17 yrs ka na sa diners waive na din for life...grabe napaka loyal o sa diners...first card ko kc un, hehe

[bigj37]

imho, i think you are on 50-50. it would depend on the mood of your issuer. hehehehe.

did you tell them that you are a businessman or something that is related to that? because, they will be asking for more proofs of income (e.g. COE from your dad's business, 2007 ITR, etc.)

No I did not inform that I have a business nor that my father has a business that supports me. In fact, di pa ako nag apply kasi when I went to BPI, they just bluntly informed me that I need to show proof of employment or business. I know for a fact that when I do apply and get turned down, I might not be able to get one for a period of time that's why di pa muna ako nag aapply. I am just hoping that somebody out here knows somebody from BPI who I can explain my situation and maybe they can waive the requirements needed since I can prove to them that I am financially capable of payment and that I have a very good record with my east west credit card for the past 5 years. I do have a BPI account also that I even use to pay my bills just to prove that I am capable of making payments. Anyway, thanks for the response bro.