RCBC InstaCard (credit card)

[elord]

wla nay au bro.......open nlang ug account sa ila 10k to 20k iopen, after 2 mos or 4 mos, kadawat ka CC bisan wla ka niapply

yup it's true but dili ma gamit international, if naa man gani gamay ra nga branch ang peudi magamitan. Ako gi pa closed akong CC kay wala dyud naku ma gamit dire sa gawas..

[kat5252]

Their customer service is ambot lang!
I opened a time deposit around Feb 27. makatintal man gud ang offer nga 100% guaranteed approval and less hassle. So if wala ni nga offer, dili sad gyud ko ma gopen og timedeposit or any other account for that matter kay naa naman koy rcbc savings nga atm. Until now wala jud koy na receive nga update or notification from them. So wa koy idea kng unsa nay nahitabo sa application. I tried their customer service email pero after 10yrs wala ghapoy reply. Whenever I try to call their hot-line cger ag "this call cannot be processed at this hour". Wat time diay cla muprocess og calls? wala man say nakabutang sa website.

[pat_gracie07]

been reading your posts... try nako deposit next week... and let's see.

[sammedriano]

Any update ani guys? Hehehe

Question: Kadtong naa savings account sa ilaha (not the time depo) nahatagan jud mo og CC?

[MaInEvEnT]

Karon rako kita ani nga thread so sensya if medyo dugay ni na info naabot sa nagpaabot...

I currently have an RCBC Bankard InstaCard..

Ang pamaagi ani kay you need to open a time deposit account with them (Minimum is 5K, pero ako gi open is 10K) para maka apply ka ani ila Instacard.

Then after ko ni open ug account ni sign sad ko ug papers na mukuha ko ani ila instacard...

so after a few weeks nadawat nako thru mail ako instacard credit card.. the thing here is... the credit limit of the credit card you will get is exactly the same amount sa pila imo gi time deposit na amount.. so in my case since 10K man ko gi time deposit, 10K pud ako credit limit (if gusto ka musaka imo credit limit, dapat nimo dugangan imo gi deposit pd, so if ever I want to increase my limit to 15K.. dapat ko mu puno ug 5K sa ako 10K na gi time deposit)... dli nimo pwede ma withdraw imo gi time deposit for 1 year... if you decide to withdraw it na after one year, you also have to surrender your instacard so bye2x credit card pud. Your instacard will work just like any regular credit card and you will receive monthly billing statements sa imo pag gamit sa card + membership fee and interest if applicable then if ever man gali dli ka mu bayad like what other people do with their credit cards na ila tablahon... didto nila ideduct imo bayranan sa imo gi time deposit na amount.. mao na ang reason why 100% approval ni kay insured sila na maka bayad jud ka no matter what.

Karon bag-o ra na expire ako InstaCard July '14 (3 years na ni ako Instacard) and I'm, about to get a new card na kay ila ko gi txtan last week na gipadala na daw ako new card but I'm planning to surrender the card na kay ako na to i-withdraw ako 10K plus gamay interest sa 3 years na ako gi time deposit hehehe this is also because naa nako lain credit card from a different bank so I won't need this instacard anymore and ako na to kuhaon ako 10K kay ma gamit pa to nako sa uban butang hihihi

so far I have no negative feedback man sad sa ako 3 years na pag gamit aning ilang Instacard credit card

Hope this helps sa kato naay questions if unsa jud ni

[lhorenzoo]

thank you sa detailed info boss mainevent . kani ingon ani na credit card mao ni holdout deposit na kinahanglan ka mu deposit og certain amount for example ten k before ka issuehan og credit card , wa na ni siya c,i kay ang imo man gideposit ang guarantee ani

[bleb]

Karon rako kita ani nga thread so sensya if medyo dugay ni na info naabot sa nagpaabot...

I currently have an RCBC Bankard InstaCard..

Ang pamaagi ani kay you need to open a time deposit account with them (Minimum is 5K, pero ako gi open is 10K) para maka apply ka ani ila Instacard.

Then after ko ni open ug account ni sign sad ko ug papers na mukuha ko ani ila instacard...

so after a few weeks nadawat nako thru mail ako instacard credit card.. the thing here is... the credit limit of the credit card you will get is exactly the same amount sa pila imo gi time deposit na amount.. so in my case since 10K man ko gi time deposit, 10K pud ako credit limit (if gusto ka musaka imo credit limit, dapat nimo dugangan imo gi deposit pd, so if ever I want to increase my limit to 15K.. dapat ko mu puno ug 5K sa ako 10K na gi time deposit)... dli nimo pwede ma withdraw imo gi time deposit for 1 year... if you decide to withdraw it na after one year, you also have to surrender your instacard so bye2x credit card pud. Your instacard will work just like any regular credit card and you will receive monthly billing statements sa imo pag gamit sa card + membership fee and interest if applicable then if ever man gali dli ka mu bayad like what other people do with their credit cards na ila tablahon... didto nila ideduct imo bayranan sa imo gi time deposit na amount.. mao na ang reason why 100% approval ni kay insured sila na maka bayad jud ka no matter what.

Karon bag-o ra na expire ako InstaCard July '14 (3 years na ni ako Instacard) and I'm, about to get a new card na kay ila ko gi txtan last week na gipadala na daw ako new card but I'm planning to surrender the card na kay ako na to i-withdraw ako 10K plus gamay interest sa 3 years na ako gi time deposit hehehe this is also because naa nako lain credit card from a different bank so I won't need this instacard anymore and ako na to kuhaon ako 10K kay ma gamit pa to nako sa uban butang hihihi

so far I have no negative feedback man sad sa ako 3 years na pag gamit aning ilang Instacard credit card

Hope this helps sa kato naay questions if unsa jud ni

asa ka nga rcbc ga open bro? unya.. sa pag time deposit sa ila.. need jud naa kay savings account una sa ila o pwede wala ra.. musobra sa 1 week ang pagpaabot sa card ? murag dugay man ui..

[jonetleah]

tanan bank mo hatag ra nimo ug CC if ever mo invest ka nila.... mutual funds, bonds, time deposit or any investment with their banks.

[MaInEvEnT]

asa ka nga rcbc ga open bro? unya.. sa pag time deposit sa ila.. need jud naa kay savings account una sa ila o pwede wala ra.. musobra sa 1 week ang pagpaabot sa card ? murag dugay man ui..

Kana RCBC atbang sa Ayala Terraces ko na branch nag open ug time deposit na account. No need na nga naa ka savings sa ilaha, wala ko'y savings account sa ila kato ra time deposit na ako gi open.. yup bisan asa ka, more than 1 week jud na makuha ang card kay murag muagi pana ila processing sa Manila central office nila or something

[pridi]

its more on your performance sa ilang bank.... so kung in a way naka tabang imong account sa ilang revenue, then bank's discretion na cya nga hatagan kah...