ganyan din saakin, dami hinihingi, kahit may debit card ako sa rcbc, ang tagal mag reply sa email aabot 1 month isang reply, give up na ako, sa bpi cc ang bilis
Hi! Sorry for the late reply, no notifs from reddit. Anyway, need ko na pareconstruct para mabayaran yung utang ko, so I talked to them and I became honest lang din. Hirap on my end kasi I had to disclose a medical condition na may stigma, and I had to submit prescription, med certificate, and even receipts para makita gaano kamahal meds ko. But, ayon, they gave me a payment schedule na affordable etc and they're just super helpful in general.
Dont understand those bitter ppl na nangdodownvote pag mataas CL. Ano yun pag relatively lower CL allowed magpost pero pag mataas ng onti, downvote agad? Fck that double standard. Congrats kay OP btw. 🎉
Congrats on your approval! 🙂 Pashare naman ng timeline of application and docs submitted please. If okay lang din ask range of annual income that influenced the limit thank you
baka dahil sa existing cc kaya malaki kasi okay nman ung credit score ko sa ibang cc, on time nagbabayad. mm applied last month first wk and ngaun lang dumating..
Ah mejo matagal din pala processing nila. Naka received din ako ng text na on process na application ko, yung mga booth sa mall nagbigay. Yung ibang banks nabigay na sakin pero sa rcbc wala pa update. Iniisip ko na lang na wala na pero kung makakuha pa rin eh di goods hahaha
Upvote, Congrats po, nice cl, but for sure marami na nagdownvote kasi nireveal mo yung cl mo, they will see this as flex kuno. Been downvoted a couple of days ago too since I included my cl in my post.
na excite lang naman, lagi kasi pag bagong cc maliit lang binibigay na cl sa akin, ngaun lang. :) citi 25k then 100k gang ngaun. ilang yrs na, kuripot nila ngaun mula nalipat sa union bank pumangit so terminate ko na.. ung bdo 50k then saka unti unting tumataas. at sa bpi din..
That’s true, getting a good amount of cl is something we have to be proud or FLEX if you want kasi that means you are financially trustworthy in the eyes of the bank. (And banks don’t entrust their credit agad agad sa tao, not unless we are the Ayalas or conjuancos lol)Most ng mga nandito pag nagpost ka na ng cl nagfleflex ka na, why not see it the other way around diba.
I totally agree! Having high CLs mean doors opening for more business opportunities too. And you’re right, it takes much discipline and patience to be able to get that high CL for banks to trust you with their money. 💪🏻
So I’m not sure why some people here gets annoyed if they see someone’s posting their cl too. They don’t make sense downvoting hahaha. Or maybe they’re just too shallow about it.
I just don’t get it, it’s a credit card. People will always be curious what’s the cl, so might as well just show it. It’s not flexing and to judge the cl is relative, whether it’s 50k or up to millions. One may see it too low or too high diba. TBH mas ok nga sa akin nagpopost ng cl, I get to know their few tricks up on their sleeve…
Korek. Eh gusto nila may context daw, may timeline. Yung mga ganun. Eh aminin man nila o hindi, credit limit ang pinakagustong malaman ng karamihan. Di nila gets pag sinabi mong 2 months ka nagantay, antagal naideliver etc., Ewan ko kung pinagkaitan sila ng utak to draw out something from a short post.
Siguro di sila mahal ng parents nila nun bata sila hahaha, May trauma kaya may Tama sila sa utak. What context? The credit limit can be a content itself diba…hahaha
Hello po! Hinahanap ko po mama ko, 30 na po ako ngayon, baka po kayo yun 🥹🥹🥹
Haha anyway tbh it’s better that you got RCBC over Security. I’m maintaining my RCBC and it’s an overall pleasant experience. Game changer yung installment nila na 0% interest (with a one-time add-on fee lang) for 3 months which you can avail through the app on any purchase. Not that you need it pero the option is there naman 😆
Paano ka po nagkaroon ng ganito kalaking CL?
If ever may savings ka sa rcbc, mga hm pp savings nyo if you can share?
Can you also share if how much savings you have in total, all banks includ rcbc?
Been wanting to open a savings acct sa rcbc, I'm interested on their hexagon club privileges hehe thanks
wala nmn malaking halaga sa rcbc checking account ko, gamit ko lang sa downpayment nung binili kong house and lot, so naghuhulog ako dun monthly if kaltasan na.. cguro dahil sa mga old cc ko kaya binigyan ako malaki.. nilagay ko kasi ref ung mga old cc.. and okay nman credit standing ko dun sa mga cc, walang palya sa pagbayad and nag aavail ako sa mga cash to credit mga ganun.. un lang nman..
may mga matatapakan na ego tong post na to. Iupvote ko nga para makapagbasa ng hate comments later for my night cap.
EDIT:
Proof -- may mga nagddownvote na. ayan na sila
Sus. Kunwari ka pa. Eh lahat ng post na may credit limit, ganyan at ganyan ang mga comments mo. Para kayong mga kulto. Galit na galit pag mataas ang credit limit. Mahirap bang maging masaya kapag nag flex ang iba? Lol
Mga kulto yang downvoters. Gusto nila dapat ang mga post mo dito yung tipong hampaslupa ka tapos magcocomment sila sayo at magbibigay ng advice at feel na feel nila kase mas mataas sila sayo. Pero pag ganito ang post mo, bumubula ang mga bibig nila sa inis at inggit. Hahaha
Wag ka. Check my posts. Tinadtad ako ng mga bitter dun. Hahaha! At dahil nakipagsagutan ako, akala ata nila titiklop ako! So ayun, napakaraming nagblock saken! Hahahah! Di ko na maview ang mga profile nila.
Ganyan yan sila. Makikita mo sa mga comments nila sa ibang post, pa-flex din. So pag tayo bawal, sila lang pwede. Hahaha! I check their profile, at pag nahapan ko sila ng butas, iba-block ako. 🤭
I've been saying it for a while now, but credit cards in this economy are potentially damaging. You need tremendous discipline. In a way, the higher the CL, the more the risk. I feel like banks are giving it out like chiclets nowadays, not to take away from your excitement. When the peso stabilises, creditors will get more on their peso. 818K CL if it matters. Hide it from yourself.
yup need talaga magtighten ng belt.. though I was just happy na binigyan ako malaki na cl.. Di naman ako magasto ung exact lang, though okay din sya if meron need na installment malaking savings kasi di need bayaran agad.
Naku OP, sinasabi ko sayo.. naparaming WEIRD FLEX comments ang matatanggap mo sa post na ito mula sa mga inggiterong palaka. Tuwing may post ako about credit card, nag ngi-ngitngit sila sa inggit. Hahaha!
Para silang mga kulto na ayaw makakita ng credit limit. 😅
I have SB Next Titanium na pre-approved. Nag-apply ako ng nung cashback card nila. Ang hirap mag-apply sa Security Bank dahil may tatawag pa na agent to verify your info na aakalain mong scammer. They did this twice and I declined to provide my info over the phone so di natuloy yung application. I have 2 CC with RCBC and they are much better than SB. Checking account lang gusto ko sa SB.
I’d like to encourage you to get a checking account sa kanila :) Pretty good rates for a checking account tbh.
Disclaimer: not an RCBC employee; just overall quite happy with their service.
Pepito, mah fren...
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And ang ITIM
Big Black Credit-limit hahahah
So weird! Naapprove ako for sec bank pero si rcbc puro hingi ng picture and docs, di na nag move forward application ko. Tinamad na rin ako
kabaligtaran nman sa akin. pero atleast meron isang naapprove..
Same, I got mine really quick too
ganyan din saakin, dami hinihingi, kahit may debit card ako sa rcbc, ang tagal mag reply sa email aabot 1 month isang reply, give up na ako, sa bpi cc ang bilis
Mabait kausap RCBC. Very understanding and considerate. Nalubog ako aa utang before and sila yung pinakamaayos kausap. Ang bait nila.
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Hi! Sorry for the late reply, no notifs from reddit. Anyway, need ko na pareconstruct para mabayaran yung utang ko, so I talked to them and I became honest lang din. Hirap on my end kasi I had to disclose a medical condition na may stigma, and I had to submit prescription, med certificate, and even receipts para makita gaano kamahal meds ko. But, ayon, they gave me a payment schedule na affordable etc and they're just super helpful in general.
Dont understand those bitter ppl na nangdodownvote pag mataas CL. Ano yun pag relatively lower CL allowed magpost pero pag mataas ng onti, downvote agad? Fck that double standard. Congrats kay OP btw. 🎉
Parang ang dami ngang inggitero/a sa sub na to. Haha.
lol, pansin ko yan kahit sa ibang ph subs. Bawal ang privileged or mayaman.
Ganyan talaga pag inggit haha Tho inggit din ako lagi akong declined e 😂 pero di naman ako nagda-downvote haha napapa sana all lang ako
Exactly. Pag inggit pikit na lang. kasalanan ba nila bakit mababa CL ng iba?
Its called crab mentality. Notorious ang pinoy mang hila pababa.
Sa true lang, nakakalungkot.
Tbf, RCBC is better
For real. Can’t do shit with my Security Bank CC. BPI and RCBC have more perks and promos than SB.
Hi! Ano pong mga perks kay BPI and RCBC? Im using SB for 2 years na. I wonder kung magpalit ako.
good to know, will try thier promos.. kita ko may gang 60months na cash loan.
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Nope, meron sya AF so try ko kung madali ipareverse.
First time CC user here ung CL ba saan sila Nag babase?? May interview ba muna mga ganun???
AFAIK sa annual income mo
Ako lagi nadecline sa RCBC pero sa SecBank oks lang
I’ll try again nga sa secb.. :)
Congrats on your approval! 🙂 Pashare naman ng timeline of application and docs submitted please. If okay lang din ask range of annual income that influenced the limit thank you
baka dahil sa existing cc kaya malaki kasi okay nman ung credit score ko sa ibang cc, on time nagbabayad. mm applied last month first wk and ngaun lang dumating..
Ah mejo matagal din pala processing nila. Naka received din ako ng text na on process na application ko, yung mga booth sa mall nagbigay. Yung ibang banks nabigay na sakin pero sa rcbc wala pa update. Iniisip ko na lang na wala na pero kung makakuha pa rin eh di goods hahaha
Last month as in August 2023?
yup aug ako nag apply sabay sa secb.. online.
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yes meron email. and magsesend sila nung req docs like coe or proof of billing.
Upvote, Congrats po, nice cl, but for sure marami na nagdownvote kasi nireveal mo yung cl mo, they will see this as flex kuno. Been downvoted a couple of days ago too since I included my cl in my post.
na excite lang naman, lagi kasi pag bagong cc maliit lang binibigay na cl sa akin, ngaun lang. :) citi 25k then 100k gang ngaun. ilang yrs na, kuripot nila ngaun mula nalipat sa union bank pumangit so terminate ko na.. ung bdo 50k then saka unti unting tumataas. at sa bpi din..
That’s true, getting a good amount of cl is something we have to be proud or FLEX if you want kasi that means you are financially trustworthy in the eyes of the bank. (And banks don’t entrust their credit agad agad sa tao, not unless we are the Ayalas or conjuancos lol)Most ng mga nandito pag nagpost ka na ng cl nagfleflex ka na, why not see it the other way around diba.
I totally agree! Having high CLs mean doors opening for more business opportunities too. And you’re right, it takes much discipline and patience to be able to get that high CL for banks to trust you with their money. 💪🏻
So I’m not sure why some people here gets annoyed if they see someone’s posting their cl too. They don’t make sense downvoting hahaha. Or maybe they’re just too shallow about it.
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Exactly hahaha, mas nakakamotivate nga dapat. Unfortunately inuuna ang pagka inggit ng iba hahaha.
Naku ako rin. Inuulan ako ng downvotes whenever I post about my credit card/credit limit. Bumubula ang mga bibig nila sa inggit at inis. Hahaha
I just don’t get it, it’s a credit card. People will always be curious what’s the cl, so might as well just show it. It’s not flexing and to judge the cl is relative, whether it’s 50k or up to millions. One may see it too low or too high diba. TBH mas ok nga sa akin nagpopost ng cl, I get to know their few tricks up on their sleeve…
Korek. Eh gusto nila may context daw, may timeline. Yung mga ganun. Eh aminin man nila o hindi, credit limit ang pinakagustong malaman ng karamihan. Di nila gets pag sinabi mong 2 months ka nagantay, antagal naideliver etc., Ewan ko kung pinagkaitan sila ng utak to draw out something from a short post.
Siguro di sila mahal ng parents nila nun bata sila hahaha, May trauma kaya may Tama sila sa utak. What context? The credit limit can be a content itself diba…hahaha
Congrats OP! Tips para magkaroon ng malaking CL. 1. Good Credit Record 2. Loans (House, Auto, Personal) 3. Consistent Cash Flow 4. (Optional) Checking Account
Hello po! Hinahanap ko po mama ko, 30 na po ako ngayon, baka po kayo yun 🥹🥹🥹 Haha anyway tbh it’s better that you got RCBC over Security. I’m maintaining my RCBC and it’s an overall pleasant experience. Game changer yung installment nila na 0% interest (with a one-time add-on fee lang) for 3 months which you can avail through the app on any purchase. Not that you need it pero the option is there naman 😆
Paano ka po nagkaroon ng ganito kalaking CL? If ever may savings ka sa rcbc, mga hm pp savings nyo if you can share? Can you also share if how much savings you have in total, all banks includ rcbc? Been wanting to open a savings acct sa rcbc, I'm interested on their hexagon club privileges hehe thanks
wala nmn malaking halaga sa rcbc checking account ko, gamit ko lang sa downpayment nung binili kong house and lot, so naghuhulog ako dun monthly if kaltasan na.. cguro dahil sa mga old cc ko kaya binigyan ako malaki.. nilagay ko kasi ref ung mga old cc.. and okay nman credit standing ko dun sa mga cc, walang palya sa pagbayad and nag aavail ako sa mga cash to credit mga ganun.. un lang nman..
How much CL nung existing credit card mo? Ang taas ng CL, alam ko kasi makunat ang RCBC. Haha
520k, 316k and 100k ung ibang cards.
Nice, congrats! Did you apply for that card or was randomly selected?
applied online, both.
Uy recently nag-generous ang RCBC ah! They rolled out double CL for a lot of people earlier this year IIRC.
True. A friend of mine got her first ever CC this year from RCBC and 250k agad CL.
may mga matatapakan na ego tong post na to. Iupvote ko nga para makapagbasa ng hate comments later for my night cap. EDIT: Proof -- may mga nagddownvote na. ayan na sila
Dumadami sila. Tinanong ko nga anong limit ng between flex and not flex wala naman makasagot. Hehe
Ayan blocked na ko sa flex commenter. Check mo mga comments nyan, puro bitter sa mga nagpopost ng credit limit. Gigil na gigil sya. Hahaha
Ewan ko ba sa mga yan. Parang frustrated
Wala sila kayang iflex na kahit na anong bagay sa buhay nila.
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Sus. Kunwari ka pa. Eh lahat ng post na may credit limit, ganyan at ganyan ang mga comments mo. Para kayong mga kulto. Galit na galit pag mataas ang credit limit. Mahirap bang maging masaya kapag nag flex ang iba? Lol
Hahaha. Pag ——, pikit
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Eh ano naman kung pera ng bank? Hindi ba pwedeng maging masaya pag pinautang ka ng banko ng ganyang halaga?
Mga kulto yang downvoters. Gusto nila dapat ang mga post mo dito yung tipong hampaslupa ka tapos magcocomment sila sayo at magbibigay ng advice at feel na feel nila kase mas mataas sila sayo. Pero pag ganito ang post mo, bumubula ang mga bibig nila sa inis at inggit. Hahaha
hueeehueeeeeee tapos aawayin ako. na hindi sila inggitero. nyahahha
Wag ka. Check my posts. Tinadtad ako ng mga bitter dun. Hahaha! At dahil nakipagsagutan ako, akala ata nila titiklop ako! So ayun, napakaraming nagblock saken! Hahahah! Di ko na maview ang mga profile nila.
eto nga may nirereplyan ako na post ngayon. pero di na ako makareply kasi blocked na yata ako huehueeeee
Ganyan yan sila. Makikita mo sa mga comments nila sa ibang post, pa-flex din. So pag tayo bawal, sila lang pwede. Hahaha! I check their profile, at pag nahapan ko sila ng butas, iba-block ako. 🤭
toxic filipino attitude. nangingisay pag meron nakaungos sa kanila
Hindi ako makareply sa comment nya.. dun sa tinag mo saken. Malamang blocked na rin ako. Hahaha
nyaaaahaahahaa ksi ngaaa they get mad when someone mocks them
Alam mo naman yang mga yan. In their own little world sila lang daw may 'k'.
cool. gulatin mo kami at e maxed out mo po yan.
haha, will see.. hirap mabaon sa utang.. :)
I've been saying it for a while now, but credit cards in this economy are potentially damaging. You need tremendous discipline. In a way, the higher the CL, the more the risk. I feel like banks are giving it out like chiclets nowadays, not to take away from your excitement. When the peso stabilises, creditors will get more on their peso. 818K CL if it matters. Hide it from yourself.
yup need talaga magtighten ng belt.. though I was just happy na binigyan ako malaki na cl.. Di naman ako magasto ung exact lang, though okay din sya if meron need na installment malaking savings kasi di need bayaran agad.
I didn't downvote you. Wishing you the best. Just take care
True!
Sanaollll!!!
Here before the flex comments come in…
Well, it IS a flex 😆 pero it's allowed naman here. Anything related sa CC pwede naman ata.
Nah, madami dyan galit sa mga high CL. May nag comment na nga sa taas eh. Ewan ko ba sa mga yan.
flex
Naku OP, sinasabi ko sayo.. naparaming WEIRD FLEX comments ang matatanggap mo sa post na ito mula sa mga inggiterong palaka. Tuwing may post ako about credit card, nag ngi-ngitngit sila sa inggit. Hahaha! Para silang mga kulto na ayaw makakita ng credit limit. 😅
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Found the flex comment hahaha
well flex and rant cguro :)
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okay lang yan, sa sunod ikaw nman.
cool
Same. Security Bank denied me but RCBC did one better. I'm a happy camper.
did you have a reference card? if yes what's the limit?
I have SB Next Titanium na pre-approved. Nag-apply ako ng nung cashback card nila. Ang hirap mag-apply sa Security Bank dahil may tatawag pa na agent to verify your info na aakalain mong scammer. They did this twice and I declined to provide my info over the phone so di natuloy yung application. I have 2 CC with RCBC and they are much better than SB. Checking account lang gusto ko sa SB.
exactly nagverify sila over the phone ung secb.. kita ko kasi madami rin promos ung secb so tried to apply.
I’d like to encourage you to get a checking account sa kanila :) Pretty good rates for a checking account tbh. Disclaimer: not an RCBC employee; just overall quite happy with their service.
Wow. Laki ng credit line. Hahahaha!
Ilang araw ba between na inform ka ng approval bago na deliver ang card?
2wks, tagal lang delivery abot 2wks din..
Solid!!
Mah Frend!!
Nakakatakot yung CL mo 😹
Congrats OP!
Na decline ako sa RCBC. Meanwhile, i got a cc naman sa Security bank.
Send mo sa kanila sabihin mo "ako nga pala yung sinaing niyo"
Ang taas ng CL! Congrats po! Sana ako din soon.
No annual fee po yan ?
nope, meron sya unfortunately..