RCBC InstaCard (credit card)

[forsaleonly]

applied 2 weeks ago. got my cc now delivered in my office. the thing is i dont even know how cc works. i mean aside from swipe and getting the merchandise. but how bout the interest and those 0% for 6 mos... can someone enlighten me. hahaha this would be the first time me having a cc... im planning to buy a phone from junrex. wth 0% 6 mos to pay.. how does this thing work/

[istoryamember]

applied 2 weeks ago. got my cc now delivered in my office. the thing is i dont even know how cc works. i mean aside from swipe and getting the merchandise. but how bout the interest and those 0% for 6 mos... can someone enlighten me. hahaha this would be the first time me having a cc... im planning to buy a phone from junrex. wth 0% 6 mos to pay.. how does this thing work/

bro read the fine print. I would suggest use it only for emergencies or when you buy online and pay the full amount nga naa sa billing para dili ka maka incur ug interest. 3.5% per month na siya if you will only pay the minimum or not full. Basin malipay ka inig check nimo sa imong bayranan 'minimum due' is gamay ra kaayo. Its a TRAP bro.

Tambag lang na nako

[forsaleonly]

thats what ive heard bro... so its like this. say for example palit ko amount of 10k with 0% for 6mos. ang byaran nako on or before sa akong cycle date would be the amount of 10k divided by 6 for me not to be penalized with 3.5% im i right?

ps 0% initerest . is this even for real?

[istoryamember]

for simple calculations yes ana na siya. For the zero interest, it means in a LIMITED number of months you will be paying in installment without incurring interest rates. I can't elaborate on this kay wala ko personal experience ani kay purya buyag ako man gud hutdan dayon pag bayad. Masobra pa gali usahay kung makalimot ko pila ang total amount

Mas maayo jud mangutana ka sa hotline anang imong CC kay para maka sure ka.

Some stores pud kay lahi ang ilang price sa item if tru credit card imo pag bayad. Bisan ug naay balaod nga dili na pwede buhaton, still daghan stores gabuhat ana.

[Allan O. Villegas]

have you heard of rcbc instacard for their credit cards?

Get the rcbc bankard credit card suited to your needs without having to wait for credit approval! it’s 100% guaranteed with no credit check regardless of your past credit history. Plus you determine the credit limit you want.

is there someone here or knows someone who got a credit card thru instacard? What's the process? How long does it take them to process your application? Any idea? More info from those who knows about the program.

Thanks!

..rcbc instacard is true. All u need is to open an account, for hold out time deposit for a year, starting from as low as p 5000 up to p 100 000. Bankard will then issue your credit card mastercard in one week's time depending on your location .no need to pass addtl proof of income reqts like itrs and payslips. The amount u deposited determines ur card's credit limit.

[lhorenzoo]

so,one week ra diay dayon , marelease ang card nimo after opening a time deposit and hold out money .

[bleb]

kinsa nay nakakuha ug instacard diri? Plan nako nga secured cc lang usa aron maka build ug good credit rating dayon magamit na puhon sa mga housing loans in the future. Ang advantage pud kay daghan kaayo rong gi offer nga 0% installments for pila ka months. Diba nindot kaayo ang idea nga nagamit na nimu ang product . Kung mubayad lang jud sa total amount due on or before the due date kay ok raman ang credit card if we know how to use it wisely.

[cool_romar]

Save nalang mo oei. Credit is never good. Perhaps during emegency lang.

[November.Rain]

ps 0% initerest . is this even for real?

Yes if declared nga 0% interest den wala jud na interest.. fixed amount for the given number of months. I've been into that esp sa mga appliance or SM dept store.. somehow maka-help jud sa budget esp if you need the items pero mejo bug-at ra kaau ang one-time payment by cash or debit.. make sure lang jud to remember how much are your payables

[miramax]

so,one week ra diay dayon , marelease ang card nimo after opening a time deposit and hold out money .

Bro, if para imoha suwaye lang kay mga banko sa atua medyo higpit sila mohatag ug CC sa mga OFW.