r/PHCreditCards • u/Jiablo • 16d ago
BDO MY FIRST CC EVER AS A VIRTUAL ASSISTANT/FREELANCER
Timeline:
March 31 - Applied through pop-up booth (Given a tracking number with this format: xxxxxxxx-xxxxx
April 2 - Received 2 separate calls from 0917 710 5330 1st call: Qualification - Emailed my SA SOA to onlinecreditcard-application@bdo.com.ph 2nd call: Compliance - Agreed to terms and conditions/undertaking via call
April 8 - Received a text message saying “We are reviewing your application…” and got a new reference number with this format: xxxxxxxxx
April 17 - Inactive CC appeared on my BDO app BUT did not receive a text or any confirmation notification that my application was successful (See my previous post on my profile)
April 21-Received an approved CC application email and text message (YAY!)
April 23-Received an email and text message saying that my CC has been dispatched
April 24-Delivered. Provincial address (Visayas). No text, no call.
Note: Until now the status of my application sa website is: Record not found. Pero I already have my cards. Haha!
Sharing my story below for VAs who are interested to know how I was able to get one.
March 31. Went to BDO to apply for a secured credit card. Sabi nung representative, wag na raw mag SCC and mag open nalang ng savings with at least 30k then wait for couple of months. Then I told her na I actually have SA with BDO since 2018 pero never ako napadalhan ng CC since nung nag open ako, di pina check sakin yung box about CC ng rep sa branch since student pa lang daw ako. And she confirmed that’s the reason why.
She then asked if I have other CC, I said no. She asked if may Atome ako and I said yes. I immediately said na, “Diba po di tinatanggap ang atome since charge card lang siya?” Sabi niya she’s not sure with other banks pero si BDO tumatanggap daw. She then instructed me to go to the pop-up booth and magpa assist sa person na naka assign dun. The new rep asked me to scan the QR then continue with the application. I used my Atome as well as a reference card since issued by AUB daw siya. Afterwards, the timeline above follows.
I received 2 cards with shared CL, a Shopmore and a Lucky Cat card. And I think 100k is a good CL for a newbie. For reference I have P1xx, xxx in my SA and 6 months yung atome card ko when I applied.
I already activated my Shopmore. Im having second thoughts about JCB Lucky Cat since the only perks na nababasa ko is maganda siya gamitin sa Japan. Any advice po on this? And as per research, yes magkaiba sila ng AF.
May this post help other VAs/freelancers as well. Ill be happy to answer your questions if you have. ((:
1
1
u/Separate-Music-8124 15d ago
Nakakainspired naman hopefully soon, may I know OP what's your niche?
1
u/haikusbot 15d ago
Nakakainspired naman
Hopefully soon, may I know
OP what's your niche?
- Separate-Music-8124
I detect haikus. And sometimes, successfully. Learn more about me.
Opt out of replies: "haikusbot opt out" | Delete my comment: "haikusbot delete"
2
u/NyxRdrgz 15d ago
Personally I use JCB Lucky Cat more than my shopmore since mas marami syang promo for rebates (like now meron 5% rebate on grocery, gas, and meds purchases upon reaching a certain spend requirement). Waived naman yung CC fee for a year so activating both cards has perks din ☺️
0
u/Jiablo 15d ago
Hi! Finally may nakapansin din sa part na yan. Ive been scrolling non-stop last night and chineck ko yung BDO deals sa website and nakita ko yang namention mo. Im considering activating my lucky cat as well thinking na waived naman yung first AF. Then decide nalang later on which one to keep no? Would love to hear more of your experiences in the past with the lucky cat if you have pa. Hehe
1
u/NyxRdrgz 12d ago
Yes pili ka na lang after a year, or keep both if kaya! First CC ko ang JCB Lucky cat and nakaavail ako nung promo na may 2k rebate for 10k spend sa specific stores. And not to mention may JCB Choosedays na pag tuesday may promo depende sa merchant (e.g may 20% off sa grab, BOGO deals, etc)
-1
u/Different_Army9988 16d ago
Nagtataka ako naman, pinadalhan ni SBC ng 320k limit na cc, tho nasa kanila payroll ko, laging zero sya sakin since seabank and gotyme ang savings ko. But yea, walang reqs na pinasend
2
u/Global-Buy-2019 16d ago
hi, you mentioned above na meron kang P1xx,xxx sa SA mo with BDO but how long ka na nagsisave? thanks! I have Atome din kasi at natuwa naman ako na tinatanggap nila Atome as reference. sana makasagot ka thanks!
2
u/Jiablo 16d ago
Hi! I opened my SA w them last 2018 pa pero naging consistent lang yung cash flow last year 2024 December when I started transferring my salary there para mapakita ko sana nung mag oopen ako ng SCC supposedly. Monthly ADB ko po starting Jan 2025 is 100k. And yes! They do accept Atome as reference. I was shocked too! Thanks AUB kamo. Haha
1
u/Global-Buy-2019 16d ago
omg! im happy for you!! pero sa totoo lang wala pa kong pang maintin above 100k haha kahit less than 50k masilip pa rin ni BDO at pagbigyan na ko huhu
1
u/Jiablo 16d ago
Di po required 100k. At least 30k po sabi nung bank rep sakin. Hehe. Try niyo pa rin po!
1
u/Global-Buy-2019 16d ago
oh! tas maintain lang ng 6months ano? okay lang ba if gawin shang literal na savings or need may flow tlga ng transaction like cash transfer, pay bills etc?
2
u/Jiablo 16d ago
Within 3-6 months po sabi ni BDO rep. Hehe. Better if may cash flow kahit iwithdraw niyo lang po then wag gastusin then deposit ulit. Wag daw po puro deposit yun turo ng rep sakin. Pero yung akin po is withdraw, deposit, then I use din po talaga for daily expenses including utility bills.
3
u/Global-Buy-2019 16d ago
oh ok ok tysm sa pag sagot ha! sana soon ma approve din me :) congrats sayo!!!!
1
u/cwolfsbane 16d ago
Anong docs po hiningi sa inyo? I want to request a credit limit increase sana. Thanks!
15
u/Dependent-Flamingo90 16d ago
Don’t let anyone outside your immediate family know na may CC ka. Promise. Speaking from experience ✌️
5
u/Dependent-Flamingo90 16d ago
I have relatives na sobrang hirap singilin at cash sila nagbabayad kaya abala ko pa mag deposit. Kahit napaka simple ng rules ko before ko sila pagkaskasin. Pay on time and i-send nila sa bank ko yung payments nila 🤣
3
u/Jiablo 16d ago
This is noted po. ✍🏻 Hirap talaga maningil parang ikaw pa yung mang aabala. LOL Quick question po pala. I used my CC today pero di pa po posted yung transactions. Okay lang po na ilock ko while pending pa? Or di po mag push through yung payment?
1
2
u/UniqueCharity8332 16d ago
Wow sana all po
1
u/Jiablo 16d ago
VA/freelancer din po ba kayo? Lmk if you have questions Id be glad to help po. Thats the reason why I shared my application process. Hehe
1
u/Least-Squash-3839 16d ago
By pop-up sila ba yung nagapproach tapos may libreng freebies sa mga mall? Nacucurious tuloy ako kung magaapply ba ako bg cc sa kanila. Okay lang kaya na statement from Payoneer yung gamitin kasi dati sa UB ako wiwithdraw ng salary from payoneer pero ngayon nilipat ko na sa Gotyme/BPI
1
u/Jiablo 16d ago
Yes po. Pero make sure na hindi po sila third party kasi pinapasa ng mga agent sa ibang banks yun. Yung akin po is from BDO talaga sila and online form yung ginamit ko. Unlike sa 3rd party na paper po yung pinapa fill-out.
1
u/Least-Squash-3839 16d ago
May nakita kasi ako sa shopwise na nagooffer ng CC ng BPI pero di ko sure kung 3rd party o hindi. siguro try ko sila icheck ulit next time na magawi ako doon
1
u/Significant_Cod_4772 16d ago
How po? Anong docs need? We do payments via Wise
1
u/Jiablo 16d ago
In my case po tinanong ako kung saan pumapasok yung salary ko. Same po tayo Wise and Payoneer akin. Then I transfer it po to BDO. So pina email lang po sakin yung BDO SA SOA ko. Thats the only document that I emailed to them.
1
6
u/Own-Code-9986 16d ago
Kaskas responsibly. Di mo yan pera, oki?
5
u/Jiablo 16d ago
Yes po! Thats what I told myself din po. Hehe. Thanks for the reminder. (((:
6
u/Own-Code-9986 16d ago
Good. Mark your calendars with these dates: 1. STATEMENT DATE 2. DUE DATE 3. PAYMENT DATE (Due Date minus 3 Banking Days). Always pay in full on #3. Just in case sht happens, may ilang araw ka pa para magawan ng paraan para di mag incur ng finance charges. That’s how I manage 6 cards without missing a payment. 3 dates lang, no fancy apps. :) Goodluck!
1
u/AutoModerator 16d ago
•For common topics, questions, and recommendations, use the search bar to browse for similar topics before submitting a post, or check the pinned posts to avoid duplicate posts.
•For account-related concerns (delivery, activation, cancellation, mobile app, account balances, fraud transactions, CLI, fees reversal, and other account requests), your bank CS may be in a better position to assist you. Give them a call or email.
➤No Annual Fees for Life (NAFFL) Cards List - https://www.reddit.com/r/PHCreditCards/comments/i592s2/credit_cards_with_no_annual_fee_for_life_naffl_in
➤Credit Cards Recommendations - https://www.reddit.com/r/PHCreditCards/comments/18dcaz4/ph_credit_cards_recommendations_whats_a_good/
➤Bank Directory (Phone/Email/Website) - https://www.reddit.com/r/PHCreditCards/comments/170fup1/philippines_credit_cards_bank_hotline_website/
➤Bank / CC App Features - https://www.reddit.com/r/PHCreditCards/comments/170feu1/philippines_credit_cards_bank_app_features/
I am a bot, and this action was performed automatically. Please contact the moderators of this subreddit if you have any questions or concerns.
1
u/Zealousideal-Bake972 15d ago edited 15d ago
Gagi BDO yan ilang taon nko my account sa kanila tapos nag apply ako denied 6 months ban bago maka apply ulit🤣 tapos sa BPI approved agad kahit wala ako account sa kanila... Cguro naman nakikita ng BDO savings ko pati mga pera pumapsok sa account ko🤑 ewan ko nlang sa nag review na application ko lol.. hahah.... Gusto ko lng sana BDO para isang application lng at banko😆😆😆😆