Credit Card Talk

[dj_flip03]

Any feedback on Metrobank CCs? This is my first ever CC. I really hope I wont mess this one up. :hypocritesmiley:

[bigbigguy]

In some cases, if you have enough cash deposited at a bank, you would get a pre-approved credit card (Metrobank, etc.).

 

magkano kaya tong "enough" na to... getting a hard time applying but i have an account in this bank.....

 

 

I'm 23 and am working for the family right now, therefore nothing is really on paper if you know what I mean. I have 4 credit

 

cards all supplementary though and all with a credit limit of 200k minimum, damn I had a hard time to get my own primary credit

 

card even if I made close to 100k every month, coz wala ako mapakita na ITR or whatever coz its been a year since I just

 

started, took me 8 months to get one from citibank and with a credit limit of 30k lang, I'm glad they trusted me medyo nawalan

 

na din kasi ako ng gana nung after ko mag-apply at walang nangayri so sa huling follow-up ko sabi ko kung ayaw nyo eh di wag,

 

pinakita ko na bank statements ko, auto ko kung ayaw nyo pa din sa inyo na lang.

A week later pinadala na agad ung credit card

 

 

i have the same problem.. iam currently working for the family din and wala ako mapakita papers like "pay slip, itr etc" na mag sususport ng income ko and wala parin akong aquired assests.. so na frufrustrate na ako.. gusto ko kumuha ng credit card pero wala ako alam na way...

any body could give advice??? would really apreciate your help....

[martinace1]

I also have this current gripe with Standard Chartered. Two years ago, we got a call from their call center asking us to pay for a specified amount on a Supplementary card. It was a shock because I thought that by paying the minimum amount from the principal account, we would also cover the dues for the supplementary card. But it wasn't so. So we got irked and just paid the FULL total dues of the supplementary card and asked them to DISCONTINUE the supplementary card on the same day and the call center agent acknowledged the cancellation. Imagine our surprise one year after when they were charging us twice the amount of the supplementary card one year later!

 

So this situation infuriated me because 1) they were charging me for the dues for a credit card that we supposedly canceled a year ago and 2) The total due for the supplementary card was suspiciously high.

 

So I called them up and asked for a full transcript of transaction records from 3 years ago up to the present. I found out that some payments made to the supplementary card were being 'bounced' back to the principal account. Diba kaya nga nagkautang yun supplementary card ko was because they were treating the payment from the principal card and the supplementary card as separate? Now they dare to bounce off credits from the supplementary card to the principal card out of sheer pleasure?

In effect, the supplementary card made a transaction against its credit (to the principal account) and instead of having 0.00 unpaid balance, we got charged 2,000.00++. And take note that this happened AFTER we asked the supplementary card to be canceled. So The 2,000 "debt" accumulated a year's worth of finance charges and late dues to finally reach 14,000++. And their law firm is now asking us to pay for the dues or risk getting sued.

 

So is there any agency where we can report this malicious MO of Standard Chartered? What is their game anyways? Surely this isn't a fair banking practice.

 

 

My sentiments exactly. Does anyone know of a goverment agency where the consumer can file a complaint against unfair banking (Credit Card) practices such as those commonly used by Standard Chartered Bank?

 

Or maybe we should just advocate a BOYCOTT of Standard :evil: Chartered Bank :thumbsdownsmiley: in general.

 

Maybe they don't realize how much competition there is out there.

 

I am in a position where I have to turn down free credit cards because even if they are free for the first year, should you forget to cancel them before the second year, you will get charged an annual fee and then it will be your responsibility to get this reversed.

[martinace1]

magkano kaya tong "enough" na to... getting a hard time applying but i have an account in this bank.....

i have the same problem.. iam currently working for the family din and wala ako mapakita papers like "pay slip, itr etc" na mag sususport ng income ko and wala parin akong aquired assests.. so na frufrustrate na ako.. gusto ko kumuha ng credit card pero wala ako alam na way...

any body could give advice??? would really apreciate your help....

 

 

I don't know if this will help but my wife who does not work nor have any BIR ITR forms nor have any proof of income recently received several Credit Cards all in her name as the primary card holder. She received them from BPi (World Perks), BDO, and Metro bank. All of which had a minimum credit limit of 100K. I suppose it is because we are clients of these banks and our accounts although joint, have her as the primary account holder.

 

"Kung pwedeng huwag mang-utang, huwag nalang, Mahirap mag bayad ng Utang"

[tombone]

For me is really talking with the bank manager that were your having a account at. Let the manager do the stuff to request there card departent of issuing a pre approved card the credit limit will be based on how big your business with the bank or how good relationship with the bank manager .

Usually if working with the family I think is the principal account holder the one to make the request after that ,the first card was issued to you then after a year or so more card will be send pre approved ,

As long as credit standing is good the card will always be send to you pre approved by different bank and by that time just choose the best since too many card will cause billing problem and shelving it.

[bigbigguy]

tnx martinace1...

 

 

any other suggestions/advice???

[nindotgyud]

I don't know if this will help but my wife who does not work nor have any BIR ITR forms nor have any proof of income recently received several Credit Cards all in her name as the primary card holder. She received them from BPi (World Perks), BDO, and Metro bank. All of which had a minimum credit limit of 100K. I suppose it is because we are clients of these banks and our accounts although joint, have her as the primary account holder.

 

"Kung pwedeng huwag mang-utang, huwag nalang, Mahirap mag bayad ng Utang"

 

I wish i could pass to you the call for credit cards i recently got from their telemarketers. Last month, i got 5 calls in a span of 2 weeks and the exact line is "Hello Mr. xxx, We need you confirmation for your approved credit car application and we'd like to verify you account information". I know i havent filled out any credit card application in ages, and he continues "Tama po ba, yung full name nyo is "Juan de la Cruz"" eh, my family name is not De La Cruz. So i figured that the guy on the other line was actually filling out the applicataion information for me impromptu. Sinakyan ko na lang. And finally he asked if have an ITR or some document that can prove my billing info and identity ekek, but i didnt. And he goes "eh pano yah Mr. xxxx di namin maproprocess credit card ninyo?" I said well, sorry you. Waste of my time and his.

 

The over the next week i got the same call from 4 other credit card company. And my first and last answer to each of the call was "Yes, all the information that you have came from the guy who called me last time and they are correct, so if you want to give me a credit card or not just send me the damn approved card so i can use"

 

No card came until now

[nino1481]

ako may tampo sa citibank. hehehe... ewan ko kung may nkaexperience na nito. card ko is clear visa (interest was 3.25%). paid my dues in time at minsan sobra pa. after ilang months nagincrease ng credit limit ang citibank (ksama din pag increase ng interest, now 3.5%). so same n ang interest ng clear at yung silver so i apply ng silver. nireject ang application ko. bastos! nagincrease ng credit limit pero nireject yung bago kong application for silver. ksi ang clear walang points. yung silver meron. haayyyyy

[lost boy]

You might be able to complain with the DTI. They are very big now on advocating consumer protection.

 

 

My sentiments exactly. Does anyone know of a goverment agency where the consumer can file a complaint against unfair banking (Credit Card) practices such as those commonly used by Standard Chartered Bank?

 

Or maybe we should just advocate a BOYCOTT of Standard :evil: Chartered Bank :thumbsdownsmiley: in general.

 

Maybe they don't realize how much competition there is out there.

 

I am in a position where I have to turn down free credit cards because even if they are free for the first year, should you forget to cancel them before the second year, you will get charged an annual fee and then it will be your responsibility to get this reversed.

[juandelacruzband]

My first credit card was a BPI Express Credit. It's still my card now, although I have their Mastercard. Never had I encountered problems with them and their customer service is really good. In overseas trips, I always ask for an increase in credit limit and I have never been denied. I don't see any other reason to shift to another card company.

[fatsnake]

hirap mag bayad specially pag marami card. temptation!

[liu bei]

I am very satisfied with Citibank Visa...

[thrillseeker]

I'm a 22 year old guy and I am starting with my new Edge Card, any suggestions on this Card? anyone can lighten me up so I can use this one without any hesitations. :goatee: This is my first card. Please advise especially on Payment methods and other matters to put in mind. Generally, I'm currently using this card for Fitness First payments palang. I still got a lot of hesitations kasi hindi ko pa masyadong alam ang playing grounds ng may credit card. Guys, if ever I try to spend let say around 30k of car accessories, do I have to pay it on the same month kagad? How is the ball going to bounce? Please I need your advise before I start indulging on such plastic

 

This thread really educated my ass up. You guys are all experts when it comes to this matter. Buti na lang I never took the offer from Standard Chartered, my friend recommended me that bank, sabi maganda daw. How can that be possible.

[jjb]

^^don't purchase anything you can't pay for in full. You will get screwed by the interest 3.5% per MONTH yan 42% a year! Discipline ang kailangna pag may creditcard or mababaon ka sa utang....

[bene_factor]

payo ko sa new credit card holders is to think of the card as a more secure way of paying for the same things you would in cash. if you want to buy a tv that costs say 10K and you dont like the idea of carrying 20 ninoy-bills in your shallow pockets while riding the MRT, then the card is perfect. Then when it is time to pay you can use your atm bill payment facility to transfer cash from your savings/payroll to pay it off. Fine, there are extra steps pero safe ka pa rin from mandurukot (or say katangahan if you leave your wallet somewhere).

 

For appliances and a lot of stuff the card also gives you access to paying via installment. Just be sure na for the 6-12 months you are really ready to carve out a piece of your paycheck for the i-pod, cellphone, etc. You have to be confident enough about your work for example that you believe you will still have a job over that period.

 

so in short.. use the card for its convenience as a cash-substitute (cash you actually have) and not as a short term loan (with no collateral) because that is what will get you in trouble. wag na wag gagamitin ang card na pampahaba lang ng pisi.. kasi parang rubber band yan. hila ka ng hila, pag naputol malakas ang balik.