Credit Card Talk

[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.

[Guest lustfortravel]

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.

 

 

there are several ways of getting a card from bpi. one is the regular route where you apply and submit the requirements like proof of income. another way is if you have an account with the bank which they can hold as a guarantee for your card. they normally hold it for a year for you to establish your credit history with them then after that, you can ask them to lift the holdout and increase your credit limit. there is also the pre-approved route but you would have to be a preferred account of the bank to get hold of this.

 

since you said you have an account with them and you have established a good credit history with your east west card which you pay in full, i'm sure you can find a way around the proof of employment requirement. from whom did you ask? ask with bpi card directly, not the branch personnel. or talk to the branch officers of your branch of account. i'm sure they would be willing to help.

[rongo]

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.

 

If you have an existing bank account with BPI with a ADB of 100K-300K you can ask the branch manager to give you a pre-approved card. Sometime last year they are agressively sending out as much as 3 card types to their clients. Although they sent me 3 cards they all share the same credit limit but seperate annual fees. With your good track record from your existing east west card I don't see any reason for your application to be denied. It is a requirement that you have a TIN and SSS Number. The proof of employment is optional as long as you are an existing client, you can easily fabricate this using your dad's company.

[The_Blade]

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

 

 

Yes M mastercard is free for life. catch is, you earn no points.

 

SC offers free for life. catch is u have to earn 8000pts a year thats like 320K spending a year if im not mistaken.

[bigj37]

there are several ways of getting a card from bpi. one is the regular route where you apply and submit the requirements like proof of income. another way is if you have an account with the bank which they can hold as a guarantee for your card. they normally hold it for a year for you to establish your credit history with them then after that, you can ask them to lift the holdout and increase your credit limit. there is also the pre-approved route but you would have to be a preferred account of the bank to get hold of this.

 

since you said you have an account with them and you have established a good credit history with your east west card which you pay in full, i'm sure you can find a way around the proof of employment requirement. from whom did you ask? ask with bpi card directly, not the branch personnel. or talk to the branch officers of your branch of account. i'm sure they would be willing to help.

If you have an existing bank account with BPI with a ADB of 100K-300K you can ask the branch manager to give you a pre-approved card. Sometime last year they are agressively sending out as much as 3 card types to their clients. Although they sent me 3 cards they all share the same credit limit but seperate annual fees. With your good track record from your existing east west card I don't see any reason for your application to be denied. It is a requirement that you have a TIN and SSS Number. The proof of employment is optional as long as you are an existing client, you can easily fabricate this using your dad's company.

 

Thanks to both of you, you have indeed enlightened me an how to approach this. At least now I have options which I can use. The only reason why I really want a BPI credit card is for me to be able to use it in buying appliances at zero interest since east west seldom have these kind of promos and usually it's not with big appliance stores like abenson, etc. Thanks again bros!!! Peace!!!

[Thorn_Elemental]

Thanks to both of you, you have indeed enlightened me an how to approach this. At least now I have options which I can use. The only reason why I really want a BPI credit card is for me to be able to use it in buying appliances at zero interest since east west seldom have these kind of promos and usually it's not with big appliance stores like abenson, etc. Thanks again bros!!! Peace!!!

 

 

 

 

i suggest you get the mini-edge if your planning to apply for a card from BPI - the membership fee is charged monthly ,so its easy to manage -

[kanski]

Has any Citibank CC holder experienced being waved of his/her annual fee? From the posts here, card holders from other banks (BPI for one) are offered this kind gesture. Was wondering if Citibank could extend this courtesy if the conditions are right.

[dongchikien]

yes i am using the edge BPI credit card, i love the design

[dongchikien]

any one uses Metro Bank Visa card? how is the fee

[monsignor28]

any feedback about BDO Shop more card?

[The_Blade]

if youre an SM shopper it's the best card .

[je398]

gustong kong card ung palagi waive ang annual fee

[dikhedd]

BPI allows you to waive your annual fees as part of its rewards program. If you charge enough you can earn point that will "pay" for your annual fees.

[revi]

gustong kong card ung palagi waive ang annual fee

 

Citibank usually waives its annual fees.. Hindi lang yung bawas sa points (like HSBC and Standard Chartered).. It also has a good rewards program.. My family recently got a Air Cooler this week.. Unlike with other cards, for show lang ang points nila at wala naman talagang items that you can get..

[reachard]

except for Citi what other cards offers yung installment or parang pay lite? cause sa Citi pwede pa pay lite yung single item minimum of 3500