Eddy Syet Posted October 21, 2015 Share Posted October 21, 2015 Syet ano nirereason pag magpapawaive ka ng CC? TIA I'm a big spender (I pay my utility bills and monthly groceries using cc) kasi so I'm banking on that. I just tell them that I've been with them for so long and have done business with them for so long and I'm sure that I have an outstanding credit rating. So if they won't waive my annual fee, they can just close my account. I have other credit cards. Quote Link to comment
Boss James Posted November 16, 2015 Share Posted November 16, 2015 If you want magkaron ng credit card. Magcreate ka ng Savings Accound mo sa BDO. Tapos ilang months ng pagiging active ng account mo papadalhan ka nila ng credit card without applying sakanila hihihi! Quote Link to comment
djsinple Posted November 29, 2015 Share Posted November 29, 2015 Metrobank credit card panrin ako. Quote Link to comment
mngkulas Posted November 29, 2015 Share Posted November 29, 2015 pards anong pinaka recommended na credit card? Quote Link to comment
3mpathicMan Posted December 1, 2015 Share Posted December 1, 2015 Hirap lng sa credit card is ang daling mabaon sa bills. I tend to list my credit card purchases on my phone so I can keep track. Quote Link to comment
philnightlife Posted December 29, 2015 Share Posted December 29, 2015 You guys can also try Prepaid Debit Cards from banks...lots of them out there based from research hehe...you can manage your spending better without borrowing money from banks Quote Link to comment
dan_rufus Posted January 8, 2016 Share Posted January 8, 2016 You guys can also try Prepaid Debit Cards from banks...lots of them out there based from research hehe...you can manage your spending better without borrowing money from banks I love my e-prepaid card from BPI 1 Quote Link to comment
joshua_sx1 Posted January 12, 2016 Share Posted January 12, 2016 ANO BA ANG NANGYAYARE SA MGA TUMATAKBO SA CREDIT CARD????? Eh di hinahabol ng mega credit card companies. Quote Link to comment
dirk.diggler Posted January 25, 2016 Share Posted January 25, 2016 ANO BA ANG NANGYAYARE SA MGA TUMATAKBO SA CREDIT CARD????? I think the banks have a common file of delinquent users so they would know who they would black list. I could be wrong though. Citibank hires a third company to run after those who have outstanding debts. A friend of mine used to work there. They would call their delinquent clients pretending to be a lawyer & harass them. Threatening them that they would bring people to pull out appliances/furniture if he doesn't pay. Ang alam ko walang nakukulong sa utang. Except if you gave PDC checks that bounced. Quote Link to comment
SpaceGrey Posted January 26, 2016 Share Posted January 26, 2016 I think the banks have a common file of delinquent users so they would know who they would black list. I could be wrong though. Citibank hires a third company to run after those who have outstanding debts. A friend of mine used to work there. They would call their delinquent clients pretending to be a lawyer & harass them. Threatening them that they would bring people to pull out appliances/furniture if he doesn't pay. Ang alam ko walang nakukulong sa utang. Except if you gave PDC checks that bounced.thank u sir dirk? anyone here na may alm fast approval or fixer to get ccard?? Quote Link to comment
Google Posted January 26, 2016 Share Posted January 26, 2016 I think the banks have a common file of delinquent users so they would know who they would black list. I could be wrong though. Citibank hires a third company to run after those who have outstanding debts. A friend of mine used to work there. They would call their delinquent clients pretending to be a lawyer & harass them. Threatening them that they would bring people to pull out appliances/furniture if he doesn't pay. Ang alam ko walang nakukulong sa utang. Except if you gave PDC checks that bounced. there is a common database mandated by BSP. its called CMAP. Quote Link to comment
Agentsmith07 Posted February 13, 2016 Share Posted February 13, 2016 there is a common database mandated by BSP. its called CMAP. how can we access CMAP? Quote Link to comment
BMC Posted February 14, 2016 Share Posted February 14, 2016 Kung malaki na ang utang sa credit card, I suggest you take a back-to-back loan on your savings and payout your credit card bill, one time-big time. Credit card companies charge as much as 3% per month on outstanding balance. Credit is cheap, meaning interest rates on loans is low. Restructure your debt to a point you can get out of it. I suggest a 1:1 ratio of debt to savings. Do not overspeand. Quote Link to comment
Google Posted February 29, 2016 Share Posted February 29, 2016 how can we access CMAP? you can't as an individual.it is only open for lending and banking institutions. Quote Link to comment
dannyd Posted March 31, 2016 Share Posted March 31, 2016 thank u sir dirk? anyone here na may alm fast approval or fixer to get ccard??ask mo yong cc agent else approval are base sa credit rating mo. Quote Link to comment
sam_morris01 Posted March 31, 2016 Share Posted March 31, 2016 Apply na lang sa lahat ng bangko... Case to case basis kase yan... Me iba mabilis, me iba mabagal... Quote Link to comment
doinksdoinks Posted April 15, 2016 Share Posted April 15, 2016 You guys can also try Prepaid Debit Cards from banks...lots of them out there based from research hehe...you can manage your spending better without borrowing money from banks Meron ba sa BDO neto? Quote Link to comment
philnightlife Posted April 19, 2016 Share Posted April 19, 2016 Meron ba sa BDO neto? Meron yata sila sir yung BDO Cash Card MasterCard Hindi ko lang sure though yung reliability nya pagdating sa online/international transactions...for Online/International shopping most people use Union Bank or BPI debit cards...Smartmoney and GCash debit mastercards are alternatives kaso syempre kelangan mo bumili ng sim card for usage sorry for the late reply and I hope this helps Quote Link to comment
kuneho92 Posted April 19, 2016 Share Posted April 19, 2016 Metrobank M card = no annual fee for life, no points.Citibank = perpetually waive depende kung na offeran ka ng ganunBPI= 2015 nag offer sila ng waive annual fee for life.RCBC =This yr may ongoing promo na no annual fee for life.*based sa observation, kadalasan pag no annual fee, walang earning points at mataas ang interest rate nsa 3.5 to 3.95%, citibank lang ang may points kpa din. at sa Citibank lang ang automatic yearly increase ng credit limit.BDO Shopmore card, walang earning points, kaso madaming perks pag sa SM ka namimili. Quote Link to comment
p-colossus Posted May 18, 2016 Share Posted May 18, 2016 Any tips on how to waive the annual fee for credit card principal and supplementary? My credit card issuing bank is BDO. Thanks! Quote Link to comment
brandom Posted May 18, 2016 Share Posted May 18, 2016 Any tips on how to waive the annual fee for credit card principal and supplementary? My credit card issuing bank is BDO. Thanks! In my experience, I just kept on paying on time. I've had credit card for more than 7 years and I've been waiving my annual fee yearly. Quote Link to comment
p-colossus Posted May 21, 2016 Share Posted May 21, 2016 In my experience, I just kept on paying on time. I've had credit card for more than 7 years and I've been waiving my annual fee yearly.Thanks for the reply Were you approved the full amount or only half of it? I asked my friend who works in a bank and she said it's possible to only get half waived. Quote Link to comment
loge1412 Posted May 21, 2016 Share Posted May 21, 2016 I'll try to call BDO to have annual fee waived. Okay naman ang payment history hopefully mapagbigyan ehehe Quote Link to comment
Adobers Posted May 23, 2016 Share Posted May 23, 2016 Sabi sakin ng BPI mas mabilis ma waive pag abot ka sa certain amount per month around 25k daw.Mabilis din mag waive pag walang gamit at all sabihin mo hindi mo kelangan papaputol mo na kung ayaw. Quote Link to comment
p-colossus Posted June 10, 2016 Share Posted June 10, 2016 Any tips on how to waive the annual fee for credit card principal and supplementary? My credit card issuing bank is BDO. Thanks!I just got off the phone with a BDO customer service representative. My annual fees of Php 1500 and Php 750 for both principal and supplementary cards have both been approved. She said that the reversal will take around three banking days and it will show in the next billing cycle. It was a very quick and easy transaction. She simply asked for some of my information for verification, placed me on hold for a bit, and then informed me that my request for reversal of the annual fee has been approved. Overall, I am satisfied and pleased. Quote Link to comment
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