r/KaskasanBuddies

Hello pips, need your advice. Currently may promo si bpi VISA SUMMER SHOP ANYWHERE

200k ang spend pra maka kuha 5000 GC.

now I'm planning to use my CC to pay for tuition, however 35k lang limit ko. I will pay 200k for tuition. is it okay na mag process ako payment sa cc pra mag over credit limit . then pay staggard 35k until I reach 200k. possible ba ma decline ang mga susunod na payment baka kse ma flag as multiple transaction? or would it work as 1 time payment 200k since may excess limit na? (Which I doubt could happen)

ur insights please.

Nag hahanap kase ako ng free life insurance and need ko lang ng comfirmation bago ako mag deposit if yung BPI Save Up is may life insurance siya based dun sa amount na dineposit mo?

Until now is ganun pa rin ba yun policy nila na 5x na amount na deneposit?

Gusto ko rin malaman if matagal na yung save up account ko then qualify pa rin kaya ito for the insurance or need ko na mag open ng bago.

If may alam kayo mas better na banks na merong free insurance please comment it. Thank you

Hello po.

Ako lang po ba or hindi talaga nag-aappear sa bpi app yung CC account ko? Ilang days na siyang ganito huhu

Hi po! Nakita ko po kasi na may promo si Metrobank na NAFFL and upon checking the terms and conditions, nabasa ko po na valid spend yung cash advance. Possible po ba na yun yung gamitin ko to meet the spend requirement of 30k?

For example, i would withdraw 30k from my CC then repay it din agad siguro after a day to minimize the interest rate daily.

Aware naman po ako na may around 200 pesos na processing fee pag nag cash advance pero i’m okay with that naman po.

What do you guys think po kaya? Will this work? Please help and educate mee 😭

Hi! I wanted to ask lang, I have received my Metrobank Titanum Mastercard today and I have a supplementary card na I would share with someone. What I wanted to ask is, if ganutong supplementary card ba, should I activate it to my MB App as well since shared % lang sya;

OR dapat MB app nung supplementary ko?

Please sana may makasagot 🥺

Hi, KKBs.

Question lang. Mej ??? question huhu.

Sabi sa T&Cs ng promo, no AF sa 1st year tas sa 2nd year pa may AMF Waiver.

Tanong ko lang kung kelan magstart sila?

Let's say ang Card Anniv ay April 15 (card activation).

So from April 15, 2026 to April 14, 2027 - 1st year to no?

Pag ba hindi ko nameet ang yearly spend before April 14, 2027, may AF na by April 15, 2027?

O yung April 15, 2027 to April 14, 2028 yung magiging basis para sa 2nd year AMF waiver. Gets ba? huhu

Sorry, inooverthink ko lang talaga sya.

https://preview.redd.it/ttdf4tlsm82h1.png?width=1587&format=png&auto=webp&s=d91ca8d26d18c62a60bb7cc54af6de8f30402969

Just noticed that GoTyme Bank has now been added to the list of preferred partner banks for applying for a Zed card.

In my previous post here, I mentioned that my main bank wasn’t included in the available options during the application process. I checked my pending application again yesterday and was surprised to see GoTyme added to the list.

I mainly use GoTyme as my primary e-wallet/digital bank, so I’m hoping this improves my chances of approval.

For anyone planning to use GoTyme for their application:

• Zed requires at least 3 months of eSOA from GoTyme
• Unlike some other banks, you won’t need to log in and directly link your account/SOA through the application portal

Hope this helps!

Sa mga nag-apply to Zed pero got declined, paano po kayo naka-apply ulit at na-approve?

Hello po! I'd like to ask if anyone experienced the same thing or if you have any tips.

I applied for a CLI last May 8 for my BPI, called CSR today (May 19) and found out I wasn't approved. I ask for 800k increase from my 405k (combined CC and Madness Limit). I-credit-to-Cash ko kasi sana.

CSR told me na I wasn't approved because there was a recent CLI for my credit card (around 25k lang). He told me to apply after 1 month para hindi na ako covered ng recent CLI increase.

From what I read here, you have to wait 6 months before applying again (tbh I can't wait that long bc I need the funds).

• Nangyari na ba sa inyo na after 1 month puwede na mag-apply ulit?
• Is there a way para tumaas chance ko of getting approved?
• I'm planning to apply for Credit-to-Cash na sa 400k na meron ako, and mag-apply na lang for another round once na mag-increase sya pero that means mataas din ang magiging monthly payment. Huhu. What are the chances din na puwede ako kumuha ng credit-to-cash ulit if ma-approve ako.

Thank you po!

Hi. I currently have the following UB Cards:

Miles+ - 305k CL
S&R - 75k CL
Rewards NAFFL - 45k CL

Plano ko sana ipa-cut Miles+ kasi sa Cebu lang meron lounge yung Dragonpass niya.

Pwede ko ba irequest na iconsolidate yung limit niya sa S&R o Rewards NAFFL ko?

Thanks.

Ang unang credit card ko ay Security Bank. Dinedecline ako ng mga banks pati yung mismong bank ko kung nasaan ang payroll ko ayaw ako bigyan ng cc. Year 2018 ako nagka-SBC card kahit wala akong savings account sa kanila kaya super thankful ako. 

Year 2021, binigyan naman ako ng cc ni BDO. Dahil yun nakalipat ako sa magandang company. After 6 months lang sa company, pinadalhan ako ni BDO.

Last year, naisipan ko lang magdagdag ng isa pang card. Nag-apply lang ako sa isang ahente sa mall. Sabi niya may NAFFL sa isa pang bank kaya magpasa ako sa dalawa. Naapprove pareho at nagulat ako na may kalakihan ang cc limit.

So ngayon, 4 na ang cards ko. Gusto ko na bawasan. Itong si SBC ay napag iwanan na pagdating sa benefits. As in wala ako nakukuha bukod sa annual fee reversal dahil namimeet ko daw yung required spending. Hindi ko rin magamit sa zero interest installment at hindi ko gusto ang mga promo. Hindi ko lang siya macancel dahil naiisip ko noong time na walang nag-aapprove sakin na bank. Sila talaga yung nagsimula para magkarecord ako ng credit score.

Ayun lang, share ko lang. Gusto ko pa rin magbawas ng card at yung SBC pa rin ang nasa isip ko ipa-cut. 😄

tried calling their CS pero na direct sa support mailbox, hindi naman accessible yung mailbox.. pano ba to :(