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  • 3 months later...

Got my first credit card June this year, BPI Gold reward card with 320k credit limit. Di ako inofferan, I applied and I was pre-approved pala hehe. (i was 16 when i opened a savings account with them, 24 na ko ngayon. Kung di pa ko nag apply wala pa kong mapapala lol)
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Planning to upgrade for visa signature card (bpi black card) naitawag ko na sya sa bpi preferred hotline, and wala na silang requirements na hningi, theyll proceed right away na nga sana haha kaso sabi ko pag iisipan ko. Gold has a 2250 annual fee while visa signature black card have 5500 annual fee. gold 1point=35 pesos. Black 1point=20 pesos.

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si black free ka din sa mga airport lounges, and nabasa ko na waivable ang annual fee for 1.2m spent per year.

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si gold naman waivable on 240k purchase per year. (Which is matagal ko na ng naabotπŸ˜‚) 150-170k ang cc ko monthly.Β 

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what do you think? Is upgrading to black card worth it?

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  • 4 weeks later...
  • 2 weeks later...
On 1/25/2025 at 12:51 PM, BossMabaet said:

I have a unionbank card miles+ platinum and a rewards card (changed from Citibank). Planning to have another card from the bank. Pero not sure why pero hirap ako with BDO. Haha. Any other banks that offers CCs na hindi mahirap kausap? Lol

Metrobank for me. Around 1 year after I started working I signed up for a basic NAFFL card. Got approved even if I didn't have a deposit account with them at the time. One year later they sent me another card, Toyota branded naman

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  • 2 months later...
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  • 4 weeks later...

potwk never ako nagka credit card
pag 1.5 M pang secured creditΒ  ssan pwede at madali mag open ng account tambay lanf akjo eh wala dti and pay slip
pero me hinuhulugan pang car loan sa toyota patapos na dn naman this year hehehe

Edited by brun0magtangol
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RCBC Hexagon. 100k maintaining balance. Para sa hirap makakuha ng CC katulad ko. Dahil medyo illegal ang trabaho haha.

I deposited 280k, hoping na mataas ang credit limit lol.

Timeline
June 14- Opened an account
June 30 - Assessed
July 12 - Approved with 400k CL
July 18 - Delivered

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  • 3 weeks later...

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