Printable View
Guys, just want your thought on this:
What is a good bank to choose to apply for a credit card? Citibank, HSBC, Equitable, Standard Chartered, etc.. ?
Take into consideration the interest rates, customer service quality, etc.. and tell me which of them really shines...
I've tried applying for Citibank, but for some reason, they REJECTED my application :( :( Anything else you might want to contribute would be highly appreciated.
try HSBC ok ra sad ang interest kay 3.5% lang actually pare pareho lang interest rate ana nila. equitable may bayad. sa hsbc and standard free ang processing and annual fee for 1st year.
Mas maayo gyud ang Citibank.3 years na akong card ron.since ala ko nila ma disappoint.flexible kaayo cla.og maayo ang customer service 24 hours dli pareha sa Standard chartered cge lang ga busy ilang hotline.
wat do u mean naay bayad ang equitable? i dont think so cos i got mine with no processing fees and waived 1st year annual fee.
Yup, basta customer service, dili kalupig ang Citibank...
a baka ang imo na card sa equitable ang JCB. well m not also sure basta ang alam ko may bayad ang visa and mastercard nila. HSBC nice sad ang customer service. citibank jud unta to nice pero la man sya na approve so refer na lang ta niya ug card other than citibank.
Get the best of both worlds: Equitable Card for installment and low interest charges, Citibank for its exemplary customer service.
actually, Equitable amex ang ilang gipadala..
Citibank would have been a good choice for me, but after they rejected my application, I'm right now not too confident to try other banks. What I mainly do not understand though is how these banks do their CI (credit investigations). Some of my co workers who don't even have a landline (which was stated as one of their requirements for credit card eligibility) got approved. Do they draw lots or what?
I also know a handful of cardholder na ang basic income di umaabot sa minimum pero nabibigyan. hehehe we really don't know how they do it. cguro pag may tumawag sa ofis nyo or bahay pa charming ka na lang sa pagsagot. hehehehe :)
walay ayo Standard Chartered na credit card. Enroll ka sa ilaha iTXT, mahorot ra imo load dili pa ka kadawat sa imo current balance. Nya cge ra cla sulti na mo-send cla sa imo-a og ilahang catalogue para sa ilaha reward points. Hapit na mo 1 yr ako credit card, hantod karon wa pa ko kadawat.
I'm using Standard Chartered credit card... So far, I have no problem:) Advantage in my part coz I can just pay it online, using bancnetonline.com, then can call them using the tolfree number... And for almost 3 years, wala pa jud ko kabayad anang anual fee nila... It is always waived in my case :) So I am satisfied with their service :)
@ Visual C# : you apply though an agent, d bita ka mo bayad sa agent, ngita lang agent nga dli mo charge ug processing fee :)
yah Visual C, sakto si chesrem, apply through an agent kay mas dali ra and mo silbi man na sila as guarantor gud. if good ila standing, dali ra kaau ang processing sa imu application. try HSBC, naa ko number sa ilang agent if you want. i'm using their classic visa-mabuhay miles. 21,000 ang credit limit. dugay lang kaau abot ang ilang billing, so i use either their toll free number to check my balance or their e-banking service.
waived ila first annual fee and walay bayad ang agent. and i barely reached the minimum salary rquired, murag gi-apil ang amung benefits to pass the income requirement.
and if anybody is interested, there's a cash back promo sa visa, nakabasa ko sa inquirer the other day, i'l post lang the site ugma . u just have to text or enter (sa ilang site) ang imu minimum of 500 single receipt .
elow guys, im currently working full-time and part-time stude. does anyone here would like to share some insights why one needs a credit card? im thinking of getting one, but i guess i need to wait til next year. 21 yrs old above lang pwde diba? and im earning twice than the required minimum monthly income, so i think qualified ko. suya lang ko sa akong mga colleagues, everytime when we're on a night out, swipe lang ng swipe. hehe 8)
if used responsibly very ok jud ang credit card. pero mao lagi ang temptation gakuyog nimo always and magsalig ka na pwede ra ka palit anyway next month pa bayad. only to realize later na naa pa diay mas importante na gastuan during bayaran time na. and this starts na ang build up sa utang. Basta ang keywords lang diha is budget and use it responsibly. your income may qualify pero dapat naa mga documents na mag prove na ur earning jud regularly. U know naa may mga debit cards karon safe xa like credit card (u dont have to bring cash) ug wa pa jud libog kay kung unsa ra ka naa mao ra imo magastos. Di oa jud lisod mag avail ana. :). Debit cards are also honored bisan asa na store basta accept sila visa/mastercard. So naa na sad ka ma swipe hehehehehe
hehe thanks for sharing rochelle! u got a point. the point diay. dugay ra kaayo ko gusto mag credit card pero mao sad lagi ingon nila sa temptation man gud, daku kaayo nga problema if di ka mka control. mao gani debit card lang ko karon. currently im into e-tailing (online shopping) and swiping with my mtv debit card lang intawn hehe.. pero i think its cool to have a credit card dba. in case of emergency lang, pero di pud nga taga gimmick kay emergency! :lol:
guys! if you don't have a credit card, i advise you not to get one. way makalupig kung imo i cash ang payment, but understood not everybody have cash though pero you can always save kung naa ka gusto paliton. i've known a lot of friends na nagmahay ug kuha credit card kay ila sweldo kutob lang bayad sa card... granted if in case of emergency, like hospitalization kay mostly sa major hospitals dire accept naman ug card, but mas maayo nalang dili mo mo-enter ana kung wala mo nag earn ug hundred of thousands a month!
i'm not against sa credit card/cardholders/card companies kay ako mismo naa man, input lang for future cardholders..
one credit card is good, two is okay, three+ is worst... think..
Wow gud pa diay ko dairyman kay i only have or maintain ONE. hehehehe 3 years nako card holder but naga change ko every year. :)
that's right rochelle, keep it up.. hehehehe
bitaw, some people get credit card for other purposes, ya know wat i mean.. wink! wink!
change ko every year para maka tipid sa annual fee hehehehehe. actually dairyman dont know what u mean hehehehe unsa man diay? :)
that's a good strategy.. i think i will try that..
hehehehe.. regarding sa purpose, naa man gud ganahan mukuha ug credit cards kay gusto maging "in" or "elite", o di kaya may decoration sa wallet... hehehehe.. that's what i called irresponsible credit card holders.
naa pud mukuha then mogamit, the sad part is, dili na sila ma on-time ug bayad so perting dagkoa sa penalties.. hehehehe
naa sad mukuha for their credit history purposes..
naa pud gitagaan sa banks nga dili ganahan..
asa ka ana? hehehe
hehehehehe. i travel a lot man gud i audit our processing plants (kung asa ko ga work ha hehehehe) sometimes kulang akong mga cash advances so i use my card and di ko ganahan sige dala ug cash kay lisod na hehehehehe. Actually dairy man ga problema ko ngano elite ko i dont like it hehehehehe grabe. Bitaw la ko na belong didto sa imo mention hehehehe :) naa ko kay i need it
hahahaha... bitaw.. kay ako, i need it also for my work.. im the head purchasing sa ako gi trabahoan.. worst ko kay i maintain 4 cards... huhuhu.. pero okay ra man kay ako man bilin sa balay, hehehehe...
nikuha ko og credit card kay para dili ko pirmi withdraw sa ako atm. then gamit lang ko bancnet online to pay my credit card bills. this way dili maguba ako atm card (kay lisod magpa-ilis atm card). So every year, islan lang nako ako credit card para dili ko magbayad sa annual fee. Nya every payday bayad na ko da-an sa ako credit card para dili ko ma-finance charge.
so meaning bro mag cash advance ka sa machine thru your credit card? mag bayad ka ug charges sa imo cash advances kay hasolan ka gamit atm nimo? i don't see the point... hehehe, unless imo gyud na style..:)
METROBANK ANG MAS MAAU OY...... pataka lang mo....
dili ka kaingon ana bro kay mas ganahan ko sa bpi.. depende ra siguro kung asa ka kauyon.. noon wa man sad ko metrobank so dili ko ka comment sa imong gisulte nga maau kay dili ko ganahan magpataka sulte..
wow nice jud na imo practice biggie keep it up, kay magpasagad gani ta gamit na kita ra gihapon mag antos. maau unta kung malimtan sa bangko dili raba. hehehehehe. advice sad na sa ako mom ang bilin bilin ug card sa balay dairyman. btw, ka sosyal diay nimo ug work oi hehehehe cguro dairyman biggy pays his bills thru the online bills payment facility of bancet, which honors all bancnet member bank. Di lang ko sure kay di ko balo sa ila paagi. pero feeling ko ana.
kating nag comment ug pataka mi. Ayaw sad ana dong kay we respect ur opinion so dapat ana sad ka ok. dili ta pareho preference unsa imo ganahan pwede di namo ganahan. m i ryt dairyman? hehehehe
yeah.. i really don't get the point, correct me if im wrong but the way he uses the card, its impractical and costly.. toinks
sosyal gud tawon, it has also ups and downs hehehe.. hasol sad labaw na follow-up ka sa imo broker or suppliers sa u.s. kay magmata ta until midnight just to call them.. coz sometimes email won't work and you really have to push harder to get results from them.. hinoun, ma expose gyud ka ayo internationally.. hehehe wink!wink!
by the way rochelle, what's ur idea of balance transfer they are offering, the way i see it, pareho raman guro ang imong mabaryan nga charges..??
ur right! depende sa imo ganahan nga bank ra na..
regarding kang biggie, bisan ana pa iya paagi pag bayad, ang akong comment is the way niya gamiton.. first cash advance nya so naa nay charges ana.. i really dont know but its his preference.. good luck niya..
i think kung mag balance transfer ka from your other credit card to the other one, naa na cya extra charge (%age) sa amount na imo gi-transfer.
nope. i dont use my card for cash advance. Ang gamit ra gyud sa ako card kay pang grocery og dine out with my family (kay naa man sa ako misis ang ako card). so super control gyud ang ako expenses. :) Kuha ko og credit card para points/rewards kay cge man gud ko gamit og debit card sa una. so i thought na why not get na lang ko credit card then i just pay it on time and earn points at the same time. after one year, get my rewards (kung naa) then get another card from another bank para dili na ko mo bayad annual membership fee sa previous nako na card. :) cgurohon lang nako na pwede ko ka-pay sa ako card bills thru internet. hehehehe!
by the way, i also use a program to track my payroll and my current credit balnce. this way i can readily pay my bills while wa pa ko kadawat sa ako statement. :)
hope my style of using the card helps.
ah okay got your point buddy..
i think ang balance transfer na gina offer nila is e bail out nila imo existing balance sa other benk by paying them tapos katong ila gibayad mao to e charge nila sa imo account sa ilaha. that way ang interest sa ila naka bayad. sa interest ra man na sila mabuhi di ba? hope correct ako answer hehehehe :)
explained well, but what i was trying to know is kung tinoud ba nga mas gamay percentage imo mabaryan in terms of charges if imong i-transfer imo balance? because i think they are offering lower rates... i dont know if naa mga hidden charges..
do you know guys that you are paying monthly for a some kind of insurance? pwede na nimo ma pa cancel..
i think tama c dairyman, once magbalance transfer ka dili na man ka mobayad og finance charge para sa ana na card, which is higher compared to the amount na imo bayran when you balance transfer. usually lower ang rate when mag balance transfer kay compared sa finance charge. :)
also, kabalo ba mo na naa uban bank mo-charge sa inyo og processing fee maski ang inyo agent ni-sulti na wa mo'y bayranan maski 1cent para pag-apply/pagkuha sa inyo credit card?
biktima ko ani. gi-reklamo nako. next bill naa na ko refund. :) so maayo gyud na pagkadawat nimo sa imo statement, check nimo dayon against sa imo mga receipts.
maayong buntag sa tanan!
Biggie, what bank?
standard chartered.
good for you man! wa ko ana ka bantay da..
do you guys have diners?
Mao ba? last year SC ko la ko kabantay hehehehehe. gagmay ra man sad noon ko gamit. Dont have Diners dairyman :)
what's new guys!..
maybe kakuha na og credit card si visual c#. hehehe!!!
Nope, not yet... I had a problem with my BIR TIN, our HR department hasn't processed it yet, after 4 months of waiting. They told me to WAIT again until March... grrrr...
mao ba... that long? how long have you been working with that company?
where does your income tax go?
Mine is both Metrobank MasterCard and Visa. Been using them for quite some time and i dont get problems with them aside from paying what i swiped. :-)
the only key here is pay ur dues every month, bahala maski minimum lang.
Hi BhUr9z, i think you still get finance charged eventhough you pay the minimum amount due.
Visual #C dapat adto ka mismo sa BIR para magkuha sa imo TIN. ang ako man gani 2 years ko ga wait wa jud nag abot puryagaba amo HR. then giadto na lang jud nako BIR para sa ako TIN so nakuha jud nako hehehehehe
@biggie9385: yeah, i do n it kinda hurt my pocket though pero rather charged with 5% late charges, il just pay-off that 3.5%... pero f u got d chance to pay everything on that month, the better... at least mura ka nag-bayad sa cashier sa dept store og utang na wala interest.
:-)
Visual C#, I think you have to ask your HR kung gi-trabaho gyud nila ang imo TIN kay ang lisod man gud ana kung gi-process na nila nya mokuha ka lain morag naa na penalty ang BIR for 2 TINs. Kana nadonggan lang na nako.
Bai usa diay ilang reason ngano reject man?Quote:
Originally Posted by Visual C#
For me CITIBANK is the best. Ok kaau ila customer service.Plus daghan pa kaau promos..
ana gyud na citibank, basta first nimo application usahay ma reject pero pila kaadlaw mahibulong nalang ka abot na ang card... ako na experience ug sa ako migo..Quote:
Originally Posted by shab
try lang apply balik..
Citibank!!!!!!! I learned my lesson, Way makalupig sa Citibank!
hey apply mo sa ako ug citibank credit card free for 1 year, i will process not problem hahahha.call me 3415544,cell 09155823151.ask me any question.hahahaha if i know the answer.
thanks
DOes credit card interest rates and amount of credit based on the individuals credit history ? Sa US , every indivudal has different rates because every individual has different credit history . Lain ang patakaran sa Pilipinas or just the same ??
parang dili springfield unless neag request ka sa card issuer na e "restructure" imo acount> usually sa mga na default na cardholder :) di lang ko sure
i think parehas ra rates, d only difference i think is the credit limit...
plz correct me f m wrong!
Pareho ra hapit ang rates but some cards charge lower rates for higher end cards like gold or platinum cards pero the difference is only 0.25 to 0.75%.
Issuers here don't charge different rates based on credit history. I wish they would since what is happening is that the good debtors are subsidizing the bad ones if equal rates are charged to all.
I do receive offers from my card companies that they claim are geared towards those with good credit records ( e.g. pre-approved cards and loans, offers with low balance transfer rates that are not published).
For Visual C:
Do you really need a credit card? Ask yourself first the following questions:
1. Do you have the discipline to pay the ENTIRE amount before your due date? Some people are often misled by "pay only the minimum amount due or p500 pesos" sell off line of ALL credit cards, and this should not be the case. 3.5% finance charges apply monthly, not yearly, and that's usury. Let's not make Citibank richer at our expense.
2. Will you use the credit line for essentials or whims? It's funny how luxuries suddenly become "needs" when you have a credit card.
Perhaps, if I could convince you NOT to get a credit card at this time, then you can thank me later. Just an unsolicited advice: Consumer debt will hinder you from saving, believe you me! It is best to make purchases in cash. Wala kang utang, plain and simple.
Pahabol Visual C:
Re: possible reasons for rejection:
Credit card companies evaluate your application using a point system rating you "answer" in each box on the form. There are so called "credit critical" answers that you may not be aware of. These are information that don't seem harmful, but matters to the company based on their selection criteria. Here's a case:
1. An apllicant earns P20,000 a month (240k annual). Income pa lang pasado na sya (applicant should at least earn 10k a month).
2. He has no bad credit history. In fact this is the first time he is OFFERED a credit card. The application was shoved at his face while he was malling in Glorietta. For short, inalok siya ng agent. He DID not apply.
DISAPPROVED.
The reasons?
1. He is renting (as against owning the place he lives in)- you get a lower point if you don't own your house.
2. His address is located in a flood-prone area. Again-low score. Why? Credit card companies now offer 0% interest on 3-6-12 month installment on appliances. Their theory is: supposing he buys a stereo at binaha yung bahay niya, nasira yung stereo, the company cannot "repossess" the item na. Tsk tsk....
this is a good point.. see, that is why i'm discouraging you to get credit cards..!
Personally I really don't like any Credit Card, I used to buy things in cash and I'm happy for having my whole Month salary without any credits to pay!Quote:
Originally Posted by Visual C#
One time HSBC personnel visited us our office giving us some form "para daw sa Card", since I am not Interested, I write nothing on it, but the personnel tried to Interview me nlang and she said he will just ask me some couple of question, "Ako pa gali sya nga gi discourage nga dili ko ka bayad! pero namugos man! :D! She just give me an instruction that somebody from HSBC would called me up and asked about my salary ingnon lang daw nako nga 150thousand a year, para dako dako ako credit limit, tapos mao ra to wala na CI (credit investigations) naa na dayun ko Card! :lol:
Grabe sila no? All in the spirit of contributing to the ballooning consumer debt. Tapos if the card holder cannot pay, the go through the length of unprofessional, gutter-type collection practices. Buti na lang good payer ka:)
yes I was a good payer...and now I have no choice but to used my card wisely......kanang dili cla makasapi nako!!! :D
been using my Citibank credit card for 4 months now pro supplemental card holder ra ko ako father maoy principal. stude paman ko gamay ra sad iya ghatag nga credit limit. pro mau lagi ang problema dali ra kaau ang temptation. wala pa gani usa kabulan ako card nakautang na daun ko. pro mayu nalang nana padulngan ako money i meant kakita ko sa akong allowance unsa ako napalit not like katong wala pa ang card dali ra kaau mahurot ang allowance. i learn to manage my money wisely. maayu jud naa kay credit card kay anywhere you go swipe ra daun bisan asa ka. dili ka kuyawan kung dugay ka mahatagan ug allowance.
share naman the good side of credit cards. temptation is the number one bad side of it pero is there any other reason why its better to have a credit card aside from the convenience in buying stuff?
i want to apply for one.but i don't have the usual documents that are required. any tips? or maybe anyone here who can recommend me to a good agent? thnx for the help. PM me pls.
Gi reject man ko sa HSBC. Ngano kaha? Baynte mil man unta ako sweldo! :D
I dont know how the system is in the Philippines but here in the US , customer srvice quality is pretty much up to par any big banks you go . Next one would be the interest rates , like I said in the US .... they dont offer interest rates . What you will get is basing from your credit history or they might offer something but you have to qualify first . Not sure if Philippines does that but anyways . bai VISUAL ....what kind of credit card you apllied for ? basin cguro you applied for a platinum mao denied ka . Check what they offer and match it in ur lifestyle basin pwede pa na . By the way , I am not sure of other banks but of the 3, I will choose CITIBANK .Quote:
Originally Posted by Visual C#
OT: if you want to apply for a Citibank or an Equitable "MTV" Visa Credit Card.. just feel free to pm me... I'll help you get one... :wink:
I have CitiBank, SCB, HSBC all VISA & Equitable AmEx. The best is SCB, take my word for it.
ngano nindot man ang SCB? i 've heard nga waived daw forever imong annual fee? im looking for a credit card that can be accepted internationally and waived ka forever :) kabalo mo unsa ni-offer ani?
yup, no hidden charges plus their installment scheme is the best offer so far over all the others. plus, higher credit limits. i still have to check if their annual fee is waived "forever" though but i don't think so. probably in the 1st year or second.Quote:
Originally Posted by franz
for me Metrobank, way kurat. no annual fees..
Citibank...kay even if you pay 1 day late, no interest or penalties, and during the time na naay VAT, wala gi pasa ang charge. i also have Standard Chartered and its a different story...pay 1 day late, interest and penalty na dayon..and during the time of VAT, they passed the charge...there was one time the only charge i had to pay was VAT in the amount of P0.11?..:) i'm not sure of the exact centavo but i'm sure it was less than P1.00...:)
bati customer service scb, nindot metrobank
karon pa ko n.late bayad ako HSBC..
naa ba kaha to interest..
hope wala.. :|
Credit Card Questions: HSBC deffered for 6months or 12months..wala jud ni intere
to make it clear.for example
I will buy a Camera worth 20,000.00, like colors photo shop offered 0% interest for 3months or 6months or 12months..
so for 20,000.00 if I will get in 12months.. my monthly payment is Php1666.67 for 12months..
if makabayad rako sa monthly nako nga Php1666.67 assuming wala koy gigamitan lain sa akong credit card..
wala jud nay interest?
Pls make clear on this..
thanks,
basi naay interest bah..
I know naay interest if dili ka makabayad sa 1667.67..
i think wa nmn na cyay interest k gpatong na daan na cya sa orig price. pro wa pa sad ko kasuway ani so dli pud au ko sweto.:D
:) mao bah.. wala man cla gipatong nga price.. same price raman..
there is no interest as long as you pay your monthly dues before due date. if you buy a camera worth 20T and let's say your credit limit is 50T, ang mabilin nalangsa credit limit nimo is 30T. the 20T worth purchase will be spread over 6 or 12 months at 0% as promo
ahh okiz..thanks bro!!
while the promo would seem to be the same as other credit card companies, its possible they will have some differences, so i suggest you check the fine print in the promo materials.....
yeah..I will read it..:)
i'm planning to have one as well..:)
apply sa ako ha,hehehehe
unsa man na nga bank imoha?..:)Quote:
Originally Posted by mercy_022
Hi. These are the Credit Cards i'm offerring: Amex, Visa, MasterCard and JCB
Credit Card Issuers: Equitable PCI, HSBC, Citibank, PS Bank, Metrobank, Bankard, Standard Chartered, Banco de Oro and AIG
Standard Qualifications:
Regular employee (at least one year with present employer)
Residence/Business Address in major cities and towns of Cebu
At least 120,000 Gross Annual Income for EPCI, HSBC, Citibank
At least 150,000 Gross Annual Income for Bankard, PS, Metro, BDO, Standard Chartered
At least 180,000 Gross Annual Income for AIG
Regular landline phone (residence or place of business)
Document Requirements:
ITR (Jan-Dec 2005) and Valid Company ID
PLUS any one of the following:
Original Certificate of Employment and Compensation
Photocopy of 2 Consecutive Payslips (within 3 pay periods)
Photocopy of Latest Credit Card Billing Statement
For questions and inquiries, you may send an e-mail to ja.paulin@gmail.com or text to 09209070349 or 09202281317. :)
grabeh madatu jud ka ana, nag multi man ka uy as in. gehurot man nimu tanan. ehhehehe peace
Nice bitaw ang HSBC compare sa citibank.. pwera gaba...fes!!!! :-) :-) :-)
[quote=mercy_022 ]
grabeh madatu jud ka ana, nag multi man ka uy as in. gehurot man nimu tanan. ehhehehe peace
[/qu
madatu jud tingali ko if you'll refer friends whom you know can submit complete requirements... ^-^ :wink:
Is it legal or appropriate for a store or shop not to sell sale items or goods to credit card payers?
I have an annoying experience in one particular computer shop. They have a promo on PC monitor trade-in (functional CRT + 9999php > LCD). I inquired before hand about this with their sales rep if credit card payments are accepted, and the answer is a big YES as long as it is a VISA or MASTERCARD. On the day on the trade in, bringing a heavy 17" CRT moniotr, I was turned down by the cashier saying trade-in's are "CASH BASIS" only. Is credit card not as legit as cash?
Any comment or similar experience?
I want to have a credit card unta kay we are always travelling ug medyo delikado kung magdala ka permi ug cash and very convenient kaayo for tickets, souvenir items and of course hospitalization in case of emergency...
problema lang kay I dont have any ITR coz I am working as a secretary of a Bishop....
what will I do?given such limitation? hope somebody could help me with this....
Are there still any "multi" cc agents here? Please send me a privy. Thanks! I need CCs urgent!
<--- desperate!
by the way is it true nga ireject sa mga credit line company and mga employees sa call center? especially HSBC and CITIBank
what about less than one year pa... like 5 months palang pero previous job kay 1 year and 9 months? complete requirements　\\\? anybody can help?
ako sd.. pls pm me.. i need CC's too..Quote:
Originally Posted by pitsay
naa ko forms sa CITIBank and HSBC PM me.
i have 3 cards, Citibank, BPI and SCB.
so far i like Citibank the best. super ka maayo ila customer service. and convenient jud kaayo. you can check your account online, over the phone, through text. and mas convenient i-pay kay even sa sm pwede i-bayad. ang bpi kay dili jud convenient. dili ka pwede maka-access sa imo account online if wala ka bank account.