Hello!
Just wondering if the following payments will qualify me for rebates using my secbank wave mc:
I was thinking of utilizing my 1st cc kasi for paying these bills sana. If they don’t qualify, may I ask ano yung mga sureball accepted transactions for rebates? Salamat!
Metrobank Save and Swipe
Hello po!
Last Tuesday, June 30, I personally visited the Metrobank branch near my workplace and applied for save and swipe. Then, yesterday, July 1, the amount I indicated for held-out deposit was already hold (iba na ang available balance ko sa current balance). So I thought okay na, waiting na lang ako mag send sila ng sms na out for delivery na ang card kasi naka-hold na.
Then today, kaninang 5:24 pm, I received an SMS from MCC saying this:
Dear MY NAME, we're unable to move forward with your application at this time. However, we'd love to offer you another option-Metrobank Secured Credit Card.
Ano po kayang ibig sabihin nito? Does this mean ba na inapply ako ng branch officer for a credit card? E as per correspondence naman namin, for save and swipe ang inaapplyan ko talaga. Do I need to visit the branch ba nyan and request for a secured credit card ulit? 😭
Sana po may makasagot, salamat po!
Hello po!
Last Tuesday, June 30, I personally visited the Metrobank branch near my workplace and applied for save and swipe. Then, yesterday, July 1, the amount I indicated for held-out deposit was already hold (iba na ang available balance ko sa current balance). So I thought okay na, waiting na lang ako mag send sila ng sms na out for delivery na ang card kasi naka-hold na.
Then today, kaninang 5:24 pm, I received an SMS from MCC saying this:
>!Dear MY NAME, we're unable to move forward with your application at this time. However, we'd love to offer you another option-Metrobank Secured Credit Card!!<
Ano po kayang ibig sabihin nito? Does this mean ba na inapply ako ng branch officer for a credit card? E as per correspondence naman namin, for save and swipe ang inaapplyan ko talaga. Do I need to visit the branch ba nyan and request for a secured credit card ulit? 😭
Sana po may makasagot, salamat po!
Hello po!
Just want to ask what is the best course of action if may lumitaw sa credit report ko from TU kahit na wala naman akong active credit card account or loan account with the specific bank (SBC), to the best of my knowledge?
I called with the reporting bank na rin for clarification, they pulled out all my records based on my full name, birthday, and phone numbers pero walang lumitaw sa system nila (including unsettled, under collections agency, delinquent, etc) at all except for my active savings account with them at the moment.
I also asked all their products under sa name ng bank and among sa mga nabanggit, wala akong inavail at all. Hindi rin daw sya considered as “loan” kasi no promissory number or account number ang meron but rather “card number” with existing balance.
Nabigla lang ako kasi I think because of it literal na bagsak yung credit score ko 🥺🥺 lalo na ang nakalagay sa account status ay BL huhu. Hoping po na may makatulong, salamat po!
Hello po!
Just want to ask what is the best course of action if may lumitaw sa credit report ko from TU kahit na wala naman akong active credit card account, to the best of my knowledge?
I called with the reporting bank na rin for clarification, they pulled out all my records based on my full name, birthday, and phone numbers pero walang lumitaw sa system nila (including unsettled, under collections agency, delinquent, etc) at all except for my active savings account with them.
I also asked all their products under sa name ng bank and among sa mga nabanggit, wala akong inavail at all. Hindi rin daw sya considered as “loan” kasi no promissory number or account number ang meron but rather “card number” with existing balance.
Nabigla lang ako kasi I think because of it literal na bagsak yung credit score ko 🥺🥺 lalo na ang nakalagay sa account status ay BL huhu. Hoping po na may makatulong, salamat po!
Hello po, kaskasan buddies!
Anyone here po who recently applied for a secured save and swipe card with Metrobank? Baka lang po pwedeng makahingi ng tulong kung ano ang ilalagay sa ibang parts here (pledged amount/account information, and sa may the “Account”.) Sorry po, this is my first time applying for a secured card, hoping to rebuild again my credit standing.
Additionally, if I intend to make a deposit of 25,000 php as held-out amount, what are my options po for card type? Hingi na rin po ako ng mga insights nyo hehe.
Maraming salamat po, KKB! 🤍
Hello po!
May I ask for your help po kung paano i-fill out itong form? nalilito lang po ako, baka kasi mali mailagay ko. Hindi ko na rin po natanong sa branch officer kasi pinauwi niya lang yung form dahil offline yung system today.
Sana po may makatulong! hehe
Hello po!
I just settled today all my delinquent accounts (BDO CC, EastWest PL, CIMB Bank [almost 2 years no payment], and RCBC CC [with almost 1 year no payment after restructuring]. All of my accounts were settled with the collection agencies expect with EastWest na mismong Recovery Unit ang nakausap ko.
As of today, my remaining delinquent accounts are with GCash, Maya, BillEase, and TALA; hopefully, I will be able to settle them before the year end. I am now waiting for the issuance of certificate of full payments provided by the above-mentioned banks.
Just wondering po, how long po kayo bago tumaas ulit ang credit score ko? Ang meron kasi atm ay ATOME and sa credit report ko, majority of my accounts ay reflected sa kaniya. Also, when will I be eligible again po kaya niyan to apply for CC? Or should I apply na muna for a secured credit card? I currently have 50k as personal savings and I want to build ulit sana may credit score (learned the hard way huhu).
If it’s not too much, baka pwede rin po kayo mag recommend what is the best bank to apply for a secured CC if yun lang ang option ko now. Alam ko po how helpful this community is, and I appreciate all of your insights. Salamat po! 🤍
Hello po!
What is the logic why the policy loan is only available between 5:00 pm to 8:00 pm? tapos sa sobrang daming nag aaccess, yung traffic sa ang lala. Ang ending, hindi ka man lang makapag apply? HAHA
Sana po maayos ito hehe
Hello, kawani!
Today marks my first year of teaching sa public sector, and upon checking GSIS naka 1.002 na ang TLS ko and ang PPP naman ay 0.9583. Just want to ask, how does regular loan policy work? Does it require the AAO’s approval ba similar with other loan programs?
Qualified na ba ako for it? HAHAHA. Salamat po!
Hello po! Deped Employee po here!
Just want to ask po kung may mga agent ba here ng Cebuana or at least mga ka-guro na nag apply na sa Cebuana?
May due and demandable accounts kasi ako sa mga banks na hindi ko na na-settle nung nasa private pa ako. Ngayon na mag isang taon na ako sa DepEd, gusto ko sana mag loan sa Cebuana to pay off yung mga loan accounts ko sa mga banks na yon.
Tanong lang po kung may chance po bang ma approve ako sa teacher’s loan amounting to 300,000 to 350,000? huhu. I badly want to settle na kasi lahat ng due and demandable ko para wala na akong iniisip at auto deduct na lang sa netpay ko.
Sana po may makasagot hehe.
Hello, reddit community!
Just want to ask if I have the right to report smart regarding false advertisement?
I have a plan kasi with them, tapos nung nag end yung contract ko I upgraded because of the inclusions (netflix account and landers subscription). upon approval, na-inform ako na wala na raw yung mga inclusions na yon.
ngayon, i emailed customer service about my concern and asked them if i can just downgrade my plan ulit. they responded na i can’t kasi matatapos pa raw sa March 2027. as for the inclusions na supposedly meron pero wala, eto ang sinabi:
“Regarding your concern about the Netflix and Landers inclusions under Signature Plan S+ 999, we would like to clarify that Netflix and Landers are currently no longer included in Smart Postpaid plan offerings. We understand that your expectation was based on the promotional materials available during your application, and we recognize how this change may cause confusion or disappointment.”
I mean gets ko naman sige, ano ba naman ang mga subscriptions na yan diba, pero the mere fact na I was deceived is wrong. Even until now, kapag tinitignan ko yung smart app ko, nakalagay pa rin yang promotional ad nila na kapag nag subscribe ka sa ganyang plan and higher e makukuha mo yung inclusions. HAHA.
kaya ayon, can I report this or wag na lang? if yes, where po? salamat po!