Credit card application

[dr. d]

Guys. Need info lng kung ano ba reasons bat hindi ma approve ung credit card application. Ngtry ako mg apply sa bpi cc. Pinadalhan ako ng letter at sabi doon denied ung cc application ko but pwede raw ako mg apply ng card inwhich mgdeposit muna ako mg certain amt of money kumbaga debit card.

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talagah! what did they say, was the reason for the denial, po?
in the past... ilang beses na kaming linapitan ng ahente, shoving a credit card application under our noses.. siguradong approved daw.. non-bpi.
times have changed. they are probably still smarting from previous experience of non-payment of CC holder debts...
...no history of credit performance, and/or "un-impressive" income (sorry, but i can't think of a better term).

[dr. d]

I once opened an acct at bpi. Tapos after 1yr pinaclose ko na. Baka isa un na dahilan hindi na approve ung cc application ko.

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there are other banks besides bpi and bdo, who also offer credit card... why these two, po?

[jncp9886]

there are other banks besides bpi and bdo, who also offer credit card... why these two, po?

As advised from my friends po. Nakikita ko kasi majority of the establishments here in phils accepting mostly bdo.bpi.metrobank cc only. Ung wife ko meron pnb cc. Credit limit 20k. But usage of the card is minimal in some establishments offering installments.

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[shadow]

As advised from my friends po. Nakikita ko kasi majority of the establishments here in phils accepting mostly bdo.bpi.metrobank cc only. Ung wife ko meron pnb cc. Credit limit 20k. But usage of the card is minimal in some establishments offering installments.

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Thats not true. Wala sa bank yan it's either visa or MasterCard kahit Anong bank pa mag issue sayo tatangapin yan if you're talking about yun mga 0% interest usually sa promo ng mga bank yan.


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[red_one]

Thats not true. Wala sa bank yan it's either visa or MasterCard kahit Anong bank pa mag issue sayo tatangapin yan if you're talking about yun mga 0% interest usually sa promo ng mga bank yan.


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Yes, correct.

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[dr. d]

Thats not true. Wala sa bank yan it's either visa or MasterCard kahit Anong bank pa mag issue sayo tatangapin yan if you're talking about yun mga 0% interest usually sa promo ng mga bank yan.


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that's what i thought, also.
btw... i happily found out that my manila-based ATM card can be used to withdraw local currency in some HK ATMs.. hindi nako nagdadala ng malaking foreign cash when i go there.

[jncp9886]

Thats not true. Wala sa bank yan it's either visa or MasterCard kahit Anong bank pa mag issue sayo tatangapin yan if you're talking about yun mga 0% interest usually sa promo ng mga bank yan.


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In our city, mostly bdo bpi and metrobank cards are accepted on 0% installment in major establishments.

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[goodvibes8888]

Try citibank

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[papi smith]

Yes citibank, punta ka sa mall, daan ka kunyari malapit sa booth nila, antayin mo na itapat nila sa mukha mo ang flyer/application at libreng payong.

[badkuk]

Citibank used to offer free shuttle rides around my building...gues what they'll be doing while you're in the van. Talk about captured market