Yehey! I got my new credit card last Monday. It doesn't seem to make sense to you as everyone has a card nowadays. In my case, that's pretty a BIG TIME surprise! Just when I thought I was denied because of my past record, I was wrong.
Way back in 2008, I had a credit card in Citibank and HSBC. Honestly, I became a delinquent card holder because of my supplementary. I trusted my friend so much that she can pay those she bought using the card. Still in the end, I was the one who falls on her bait. All I could do was closed my account and paid the necessary fees and learned the lesson in the hardest way.
Reading various forums, I became more aware of the consequences of being a delinquent holder. They say that there will be a high probability that you will be declined with any bank loan or credit card application. However, there may be a chance to rebuild one's reputation. How? One of their recommendations is to have a secured credit card for a year and be a good payer. Another way I tried is subscribing to Globe postpaid account. Six months to go and my contract expires, that's because I make it a point to pay my bills on-time. Another thing I did was to be my sister's supplementary. In this way, I could teach myself and learn to be more responsible on handling my card. And, that's the only requirement I provided when they called for a credit investigation. Meaning, they've checked my standing and "maybe" saw that there's an improvement on the way I spent my card.
Since I have been given another chance, I will definitely spend wisely.
Since I have been given another chance, I will definitely spend wisely.
And bad naman ng friend na yan. Sabi nila having a credit card will make one baon sa utang dahil swipe lang ng swipe akala hindi na babayaran. But I don't believe that as long as you know how to manage your expenses and to use the card only when really needed you'll be okay. Besides, having a credit card is really convenient especially when paying bills and during emergency. :)
ReplyDeleteyes, i agree. but i know some who after activating their card, nagsuswipe then totally hindi binabayaran. Maybe that's also the reason why naghihigpit ng CI ang credit card company.
ReplyDeletecredit standing in the PH is still not that strict pa rin ata... not as crazy strict as US... kaya nakakakuha pa rin ng cards.... bigay pa nga ng bigay ng cards...isang ofcmate ko got a card without even applying.... hehehe Eastwest na nga isa jan... :)
ReplyDeleteako im planning to close my Eastwest na... kasi piiiinaka inconvenient bayaran.... you can not pay them online if you have other savings bank... you either go to their bank pa talaga or find a bancnet ATM.... mejo hassle kaya im closing mine na... :D
they say na pwedeng ireport ang mga cc company na nagbibigay ng card na hindi inaapplyan.
ReplyDeleteWith regards to payment, I might be using bancnetonline or possibly sabay na lang sa messenger pag nagbank.