BDO Credit Card Application

Medyo nakaka turn off na itong si BDO ha!!!! So many times na nag try ako mag apply sa kanila ng credit card pero kahit isa walang in-approved. Kung tutuusin eh existing card holder naman na ako nung nag apply ako sa kanila. Pero sa ibang bank nga lang.... Pero kahit na!!!! Grabe pa rin sila!!!! Hindi ko maintindihan bakit hindi nila ina-approved yung application ko... Lahat naman ng requirements sinubmit ko na, pero wala pa rin.

Sa totoo lang, i have 5 credit cards na nga diba? Pero, parang gusto ko pa rin magkaroon. Eh kasi nga, gusto ko lang naman mag collect ng magagandang designs ng credit card. Hindi ko naman sina-swipe noh!!! LOL!! Hay wish ko lang, after six months mag apply ako ulit, at sana by that time i-approved na nila ako.

Three times na ako nag send ng application dito sa BDO. Una yung BDO Shopmore White Credit Card, pangalawa yung BDO Standard Black Visa Credit Card at yung pinaka latest eh yung BDO Classic Visa Credit Card. Pero ni isa dyan walang na-approved. Napagod lang ako kaka-follow up. Sa dulo naman declined din.

Anyway, try and try ulit until i got what i want. Subukan ko nalang muna ang service nung 5 credit cards ko. Then pag meron akong hindi magustuhan ipapa-cancel ko nalang, at mag apply ako ulit dito sa BDO. 

The Powerful God I I have

Bawat tao, may kanya-kanyang laban sa buhay. Iba't ibang klase ng pagsubok. Lahat ng tao hindi exempted dito, pero sa bawat pagsubok na nararanasan natin, kailanman hindi tayo iniwan ng Panginoon. Truly, He is a great God, a powerful God, a merciful God, a faithful God, a loving God and forgiving God. For me, I can say that my life is the enough proof of God's unfailing love. 

Last night, na witness ko ang paghihiwalay ng aking malapit na kaibigan sa kanyang kasintahan. Naalala ko ang buhay ko noon.... Same situation, Same feelings... Ang hirap talaga pag puso ang kalaban. Pero naniniwala ako na God will not allow us to experience those kinds of problems and trial if He knows that we can not carry and handle that kind of problem. Instead, God allow us to experience those problems for His greater Glory. For us, may seem problem does not have solutions. But I realized that in spite of problems and pains that we have, if we focus our eyes to Jesus, we can do all things because He is the one who will give us strength. Philippians 4:13. 

Kaya I pray hard na God will comfort my friend to handle things with His help. For I know that we are more than conqueror. In God's perfect time alam ko ibibigay din Ni Lord and lalaki na kalooban nya para sa mahal kong kaibigan. Truly, All things work together for good to those who love him, who have been called according to his purpose. Romans 8:28.

Continue to soak in God's presence because Jesus loves us so much! All the glory belongs to God.

"No, in all these things we are more than conquerors through him who loved us. For I am sure that neither death nor life, nor angels nor rulers, nor things present nor things to come, nor powers, nor height nor depth, nor anything else in all creation, will be able to separate us from the love of God in Christ Jesus our Lord." Romans 8:37-39.

Security Bank Credit Card

Naalala ko lang, nung time na parang nawawalan na ako ng pag asa na ma approved pa yung Eastwest Bank credit card ko, naisipan ko na mag apply din ng Security Bank Classic Mastercard. And honeslty yung pag apply ko dito ng credit card eh masasabi ko na hindi ganon ka seryoso... Kasi apat na yung credit cards ko eh.. So parang subok subok nalang ang ginawa ko. Kumbaga, ma experience ko lang ba ulit yung pakiramdam na ma-approved. Edi ayun na nga, nag apply.... nag hintay ng feedback... Ito yata yung card application ko na hindi ko masyadong finallow-up. Eh kasi nga hindi ako ganon ka determined na magkaroon. Pero nakakatuwang isipin, twice lang yata ako tumawag dito para mag follow up. Nung 2nd time na pag tawag ko, APPROVED!!! na agad yung application ko. So this will be the 5th card in my credit card collection. And so far, as of now nasa courier na sya. I'll just wait na ma deliver ito sa akin at ma-received na ito. 

P.S. In fairness sa Security Bank ha??? Mukang maganda din ang designs ng credit card nila at hindi gaano kalaki ang kanilang interest at charges. Except lang yata sa annual fee. Kasi 2,000 yata ang annual fee nitong Security Bank Classic Mastercard ko. This week mare-receive ko na sya. Thank You so much Lord.

Eastwest Bank Credit Card

Let me share to you my experience with Eastwest Bank in my credit card application. This bank is one of the famous bank in issuing credit card. Madami din kasi silang mga promos at freebies in terms of credit cards. Syempre, sa credit card madness ko.... Hindi ko papalagpasin to. Anyway, meron na rin naman akong eastwest credit card before wayback 2011. Pero supplementary lang yun ng officemate. So I applied as well at eastwest bank.

I send my applicaton last June 24 pa. To cut the story short umabot ng 3 months ang processing time ng card application ko dito. In my previous post about "Struggling in Waiting" somehow yung patience ko sa paghihintay ng result ng card application ko sa eastwest ang pinaghuhugutan ko. Grabe naman kasi talaga!!! Nauna pa ako mag apply dito sa eastwest bago sa metrobank card ko. Pero tingnan mo, na denied na't lahat yung metrobank ko, na reconsider at na approved na, na delivery na din sakin.... Pero itong eastwest bank wala pa ring result sa card application ko. Halos araw araw na yata akong tumatawag dito para kulitin silang tapusin na ang pag process ng application ko. Pero walang effect!!! Nahihiya man akong sabihin pero, honestly naiinis na talaga ako... to the point na parang naiinis na din ako Kay Lord. Bakit sobrang pinaghihintay nya ako dito!!! Naniniwala kasi ako, lahat ng bagay dito sa mundo controlado ng Panginoon. Bakit? Simply because He is our creator. The One Who made heaven and earth. So pati pag-approved ng card application ko, naniniwala ako, Si Lord ang mag aapproved nun. 

Pero in my journey of waiting sa result ng eastwest application ko, hindi ako napagod mag pray, mag trust sa Lord na in His perfect time magkakaron din ng result ito. 

I realized and I understand that it's just a test kung hanggang saan at kelan ako magtitiwala sa Panginoon. Siguro iniisip mo, ang babaw ko.... kasi credit card lang dinadamay ko pa Si Lord. Pero alam mo, it's true. God is in control of everything. Pag hindi Nya kalooban. Wala talaga tayong magagawa. But Indeed, God is the God who hears prayers and answers prayers. Kasi alam mo.... last October 1 na-approved yung RCBC Bankard ko diba? October 5 tumawag ako sa toll free hotline ng Eastwest Bank.... At sinabi sakin ng call center agent na APPROVED!!! na daw ang credit card ko last September 29 pa and saktong anniversary namin at saktong araw na na approved yung RCBC Bankard ko, yun naman ang araw na, na transit na sa courier yung Eastwest Bank Credit Card ko. And to give you the latest update about this card, I received it last October 24, at activated na din sya. 

Indeed, God is so good!! He just want me to trust Him kahit parang imposible or wala ng pagasa. Pinatuyan lang ng Panginoon sa akin na truly NOTHING IS IMPOSSIBLE with Him.

"And it has often cast him into fire and into water, to destroy him. But if you can do anything, have compassion on us and help us.” And Jesus said to him, “‘If you can’! All things are possible for one who believes.” - Mark 9:22-23

RCBC Bankard Credit Card

Sabi nga sa kasabihan... Try and Try until you succeed. Addict na nga yata ako sa Credit Card. Hindi naman sa pag swipe at pag shopping noh!! Kundi sa pag collect. Yes!!! Ito na nga ang bago kong collection ngayon. Ang mag ipon sa wallet ng ibat ibang designs ng credit card. Hay!!! Wish ko lang wag ako ma-stressed sa pagbabayad ng annual fees. Anyway, it's just a pure collection lang naman. Of all naman ng credit cards ko, isa lang naman ang ginagamit ko. yung iba props lang sa wallet ko. Uy, pero buhay yun ha! I mean, lahat ng credit cards ko active yun. Pero it's my choice na kahit dumami pa ng dumami ang credit card ko, isa lang parin ang gagamitin ko. :-)

So ayun na nga, after ma denied yung application ko sa BPI. Ito naman ang pinagtuunan ko ng pansin. hahaha... Ang RCBC Bankard Classic Visa Credit Card. Noon, hindi ko pinapansin itong bangko na ito. Eh kasi naman, hindi ko talaga sya masyadong kilala... I mean hindi sya ganon ka bigtime sa paningin ko. Pero as I've visit their website.... Aba!! Ok din naman pala itong card issuer na ito at nagulat ako ha... Ang dami pala nilang credit card na offers. Matagal na rin pala itong RCBC when it comes to credit card. 

So syempre, nag apply din ako nito... Mabilis ang processing nila... hindi naman ganoon katagal. Siguro masipag lang din ako mag follow up ng status ng application ko. Kung titingnan siguro yung record nila, eh mukang everyday yata ako tumatawag. Sobrang excited kasi talaga ako kapag credit card ang topic. Basta all about credit card, nako... maaasahan mo ako dyan. Na starstruck lang siguro ako sa mga designs ng credit card at proud akong tingnan kapag nasa wallet ko. 

Edi ayun na nga apply at follow up ng follow up ang ginawa ko. Then finally, October 1, wedding anniversary namin ng husband ko bago ako mag out sa office nag follow up ulit ako. Surprisingly, na APPROVED na naman yung RCBC Bankard Classic Visa credit card application ko. Hay!! Ang sarap talaga ng pakiramdam... pinagpray ko kasi talaga ito. Kaya sobrang grateful talaga ako sa Lord. Sobrang dami ko ng answered prayer. October 6, na received ko na yung card ko. Oh diba!!! Ang bilis nila... :-) Thank you Lord in-approved mo po ulit yung credit card application ko. I have now 3 credit cards. 

BPI Express Credit Card

Nung una pinipigilan ko pa ang sarili ko na mag apply ng credit card dito sa BPI. Kasi marami akong naririnig na kapag may delinquent account ka na sa kanila eh talagang yung case mo eh nilalatag talaga in legal way. Nandyan yung makaka-experience ka talaga ng mga hearing sa court regarding sa credit card debt mo as delinquent card holder. Pero sabi ko nga, ang sarap kasi sa pakiramdam yung ma-approved ka sa credit card application mo, Edi hindi ko na din pinalagpas yung pagkakataon na mag apply ng BPI Blue Mastercard Credit Card dito sa BPI. Bukod kasi sa malaking bangko na ito dito sa bansa natin, eh subok na din na maganda ang service nito. At syempre maganda din yung mga designs ng credit card nila. 

So ayun nga, nag apply ako... more than 3 weeks din ang tinakbo ng application ko dito. But sad to say.... nung nag follow up ako ng status ng application ko. It was DISAPPROVED. 

Hindi ko rin naman matanong kung anong basis nila bakit disapproved yung application ko, since lahat naman ng bangko never nag disclose ng reason kung bakit na disapproved yung application. Nevertheless, atleast nag-try ako... Try nalang next time. I realized it seems hindi kalooban Ni Lord na magkaroon ako ng account sa BPI. 

Ok na din atleast naranasan ko na ang pakiramdam na ma-approved. :-)

Metrobank Credit Card

Just want to share lang yung experience ko in applying for a Metrobank Femme Credit Card. As I've share nga dun sa previous post ko na I have my first credit card from Citibank na ako yung principal card holder. My friend advice me na dapat daw I have atleast 2 credit cards para pag my problem ang isa, my back up pa. Nakakahiya kasi kapag mag shopping ka, or mag grocerie ka using credit card tapos pag nasa cashier kana declined yung payment transaction. Syempre ang ending mo eh umuwi ng walang dala. Lalo na kung ilang oras kang umikot sa store tapos declined lang yung payment mo at wala kang cash or extra credit card para bayaran yung pinamili mo. Kaya last May 2014 when I transfer to my new employer nagkaron na ako ng payslip, at iba pang mga proof of identification na regular na sina-submit sa mga ganitong application. So eto na nga nag try ako mag apply ng Metrobank Femme Visa Credit Card last July 26, 2014. Syempre ang normal processing time ng card application ay 21 days or 3 weeks. After 2 weeks since na send ko yung application ko, provided all the needed documents that will serve as requirements, I tried to make a follow up call sa toll free hotline ng Metrobank Card. Surprisingly 2 weeks pa lang may result na yung application ko. Guess what? DENIED!!!! 

Grabe talaga yung lungkot ko.... Ang sakit sa dibdib yung marinig mo na denied yung application mo. 2 weeks ka naghintay. Pero syempre nag move on na ako... Pero nagpray pa rin ako ng nag pray. Then by August 21, 2014 I receive a call from a call center agent ng Metrobank Card verifying my information para daw sa credit card application ko. Ang weird noh? Denied na nga eh, tapos nag tatanong pa ng information ko. Pero syempre sinagot ko naman lahat ng tanong nya about sa akin. Then bago mag end yung call, I ask the agent kung para saan itong call na ito? Eh denied na nga yung result nung card application ko! (Medyo Pataray pa ako) hehehe.... Anyway, sinagot naman nya ako ng maayos at ang sabi nya na RE-CONSIDER daw kasi yung application ko. So medyo hindi ako na-excite since tinanggap ko na, na for sure declined na naman yun. 

Then after a week, before ako mag out sa office, I think that was August 27. Wed yun eh... (tandang tanda ko diba?) hahaha... Tumawag ako sa Toll Free hotline ng Metrobank Card to inquire the status of my application. At sobrang nagulat ako!!! Ang lakas ng kabog ng dibdib ko!!! Hahahaha.... Ang sabi ng agent na kausap ko, "Mam, APPROVED na po yung card nyo!!!! Nanlaki yung mata ko talaga!! Ang sarap pala ng pakiramdam na makarinig ka ng APPROVED. Hahahahaha... at syempre after 5 banking days i got my Metrobank Femme Visa Credit Card. Sobrang thankful talaga ako sa Panginoon na binigay nya sa akin ito. Looking forward sa magandang service at more freebies ng Metrobank Card sa akin.

Citibank Credit Card

Now a days, halos lahat ng tao eh gumagamit na ng "plastic money" or also known CREDIT CARDS". Pero bakit ba napakahirap mag apply ng Credit Card? This was my experience before when I was working on my previous job. Due to my employer is an Institution/Church/Foundation we don't have Payslip. Wala din kaming Government Contribution such as SSS/Philhealth/HDMF kasi nga, hindi naman yun company. We are just a full time volunteer worker who receives a monthly monetary gift. Eh that time, gustong gusto ko magkaroon ng credit card, pero walang way para ma-approved ako. So I asked my auntie kung pwede ba nya ako gawing supplementary sa kanyang credit card, para magkaroon lang ako ng credit card eh thankful naman ako kasi pumayag naman sya. I've been using Citibank Gold Mastercard supplementary credit card since 2011. 

Then finally, after 1 year of using supplementary credit card, nakita siguro ng Citibank na good payer naman ako, that's the time na nag offer sila sa akin ng credit card as a principal card holder that was December 2012. Wow!!! Ito na yung matagal ko ng pinagpi-pray.... Kasi syempre I want to start to build my own credit history noh! Then, naging honest ako, sabi ko wala akong payslip, and by that time maliit palang ang income ko. Pero nag pray lang ako na sana ma-approved. 

After ilang weeks, i got a text from Citibank, Stating that may Citibank Rewards Mastercard credit card application has been approved. Then after 7 days na received ko na yung first ever credit card ko na ako yung principal card holder. At may bonus pa Si Lord sa akin... FREE ANNUAL FEE pa ito FOR LIFE!!! Oh Di ba bongga talaga! And until now, active parin ang credit card ko na ito. Thank You Lord for answering my prayer. Thank you din Citibank dahil ginamit ka Ni Lord para ibigay ang desire ko.

Sabi nga sa Scripture: Therefore I tell you, whatever you ask in prayer, believe that you have received it, and it will be yours.  - Mark 11:24

Struggling in Waiting

Bakit ba ang hirap maghintay? Halos lahat yata ng mga tao ngayon ay hirap sa paghihintay. Kahit ako hindi ako exempted dito. Hanggang ngayon, isa pa rin ito sa mga dapat ayusin ng Panginoon sa buhay ko. Ever since yata na nabuhay ako, ayaw na ayaw ko na pinahihintay ako. Gusto ko pag meron akong gusto, agad agad makuha ko na sya agad. Ang pananaw ko kasi bakit kailangan pang ipagpabukas ang isang bagay kung pwede namang ngayon na. Pero na-realized ko, mali parin ang ganitong attitude.

In Scripture, God consistently rewards those who patiently endure suffering, wait for the fulfillment of His promises, and rest in Him during the storms of life. But patience, a fruit of the Spirit, may be one of the most difficult virtues to master.We all struggle with "waiting on the Lord," even if we know that "good things come to those who wait." But if we do not wait, 1 Samuel tells us that a "lack of patience" can cause us to miss a blessing.

The Bible has not left us empty handed. Scripture quotes provides many solid promises for growing in patience and being a people who wait on God and "rise up on the wings like eagles." Many people in the Bible learned how patient expectation led to blessing (or how not waiting led to disaster), and their examples can help us grow in our walk with Christ.

When we praise God in our waiting, He gives us the strength to keep going. Let these Bible verses inspire you to patiently seek Him.