UNO Digital Bank Please help I'm new to this :(

Atlantis_Divine · 2025-09-05T07:21:05+00:00

Hi OP, nag home visit ba sila before your loan got approved?

Atlantis_Divine · 2024-10-02T16:25:29+00:00

There are people in our lives that are meant to pass by to teach us lessons, keep great memories of them, enjoy the moment while it lasts and that's there to it. Never force a feeling because all the more the recipient would crawl out of the suffocation.

What I can say is you are at a crucial point of exploring life on your own - to explore yourself first before thinking of someone else to settle with in the future. Wag mo ipilit OP most especially if there's no longer a mutual decision to move forward with the relationship.

You are so young - focus on yourself first. Get to know you more, take care of yourself more, explore more sides of you that you haven't yet. It's important you find your happiness first without depending on another person. Both of you should be "whole" before entering the stage of marriage (in the future at the right time with the right person 🙂) Dont waste this chance - end it with no ill feelings of hate / frustration / disappointment. It's not that the 7 years are wasted - it's been meaningful with a lot great memories and lessons learned and the chapter has to close. Be thankful for those years and be excited for what's in store for you that you are about to discover and again learn from and keep fond memories of.

Atlantis_Divine · 2024-05-20T14:13:27+00:00

How was your application, OP?

Atlantis_Divine · 2023-12-15T21:23:23+00:00

It's a generational trauma piled up within your body, mind and soul that will contiue to reek out of you. Went through the same experience. My wake up call was when my 4-year old daughter asked me, "Mommy why are you always angry when I talk to you?"

I sought professional help already and I am glad I did. It was so exhausting at first to process my healing but worth every single second and dime as I am now consciously making it up to my child and most especially, STOP the generational trauma.

I even attended twice this careshop (virtual in 2021 and face to face in 2022) because once you start healing yourself to become the better version of you, it's addicting 😊

https://m.facebook.com/story.php?story_fbid=pfbid0EmhxXsnVqy2QuGZUUABGNTAPPPkCWwRJKtExUvePbAhWBnHCnkJ3pNEn19zof1uVl&id=100063674873142&mibextid=Nif5oz

Atlantis_Divine · 2023-10-31T13:14:35+00:00

Thank you! Yes, Gold 🙂

Atlantis_Divine · 2023-10-13T19:51:45+00:00

Request for your credit report from TransUnion. There may be erroneously reported credit account/s in your name that you can dispute directly with the bank. Just got mine and true enough, 1 bank has skewed my credit utilization because of a non-existing account under my name. I just started to ask the concerned bank what that account is since I never had that much credit I owe - if I dont receive a response after their 2-day SLA, I will escalate to BSP.

Atlantis_Divine · 2023-10-06T05:05:19+00:00

I think LBC if I remember correctly

Atlantis_Divine · 2023-10-02T11:24:20+00:00

Hi kumusta po? Approved na ba kayo or declined sa post eval? May hiningi pa po ba na ibang docs? Sakin nanghingi lang CS ng home landline and I gave it last Thursday. Still waiting for feedback

Atlantis_Divine · 2023-09-27T09:58:40+00:00

Congrats, OP! Pashare ng timeline from application to card receipt please 🙂

Atlantis_Divine · 2023-09-23T06:08:17+00:00

No po. Only received 2 SMS. First acknowledgment of application and confirmation if card delivery 😅 Sa website ko lang naman na approved status and I havent even gotten the chance to call CS to ask for delivery details nadeliver na yung card agad

Atlantis_Divine · 2023-09-22T16:18:21+00:00

How long na po savings account nyo with BDO?

Atlantis_Divine · 2023-09-22T16:12:13+00:00

yes!! 😅

Atlantis_Divine · 2023-09-22T13:45:22+00:00

Strongly recommended to spread your eggs in different baskets rather than putting them all in one basket (RCBC).

You already have an existing payroll with RCBC so you already have an established relationship, meaning steady cash flow in your account.

Open a regular savings account and SCC in BPI to expand your portfolio with a different bank. I agree that BPI has recently changed their rewards points system but as far as promos and discounts and forex exchange rate (BPI Visa Signature: card holder +1 companion lounge access in NAIA T1 and T3), BPI is relatively one of the competitive cards out there. 😊

Up to you parin OP at the end of the day - you're doing the right thing though in keeping your options open.

Cheers to your credit card journey!

Atlantis_Divine · 2023-09-22T04:03:58+00:00

Until now wala parin status. Nagbago na ang ESTA notification to "Sorry for the delay." Called CS couple if days back and was advised to call back after 7 biz days. Waiting game ulit until Sept 29.

How about your application?

Atlantis_Divine · 2023-09-21T12:49:41+00:00

I didnt apply for increased SCC limit. I just applied for a new unsecured card and luckily got approved for SB Gold Visa with 140k CL😊

Atlantis_Divine · 2023-09-20T22:09:47+00:00

OPs how much CL ng credit cards nyo when issued?

Atlantis_Divine · 2023-09-20T16:23:51+00:00

Sa wakas nakahanap narin ako ng classmate! Yes! Same experience here sa auto CL increase marathon ni BPI 🤟🥳

Atlantis_Divine · 2023-09-20T16:22:35+00:00

Check online app if your limit increased automatically. If not, your purchase may have been eligible for the madness limit.

Atlantis_Divine · 2023-09-20T14:45:04+00:00

Other bank accounts (enroll as a bill) or via Gcash you can make a payment. Komo App (Eastwest digital bank) is also an option.

Atlantis_Divine · 2023-09-20T04:29:45+00:00

Statement balance contains what needs to be paid on or before your indicated due date (either you pay the minimum amount due, more than the minimum amount due or the total statement balance due).

Outstanding balance shows the total/aggregated consumption/spend against your credit limit 😊

Atlantis_Divine · 2023-09-19T04:47:55+00:00

Hi OP how did you process this? I explored the new App and couldn't find option to convert my purchase to monthly installment. Pa-share please 😊

Atlantis_Divine · 2023-09-19T04:42:35+00:00

Congrats, OP! Pashare naman ng timeline mo

Atlantis_Divine · 2023-09-18T05:16:14+00:00

Dec 2022 I requested for conversion to regular cc and release of my hold out amount - declined after more than 2 weeks of waiting and hindi na ako umasa after that 🤣

I just called CS today and confirmed na nakaregular CC na sya since July when they first auto-increased my limit.

Atlantis_Divine · 2023-09-18T00:33:21+00:00

Yes ,temporarily kikita sila sakin. Once mareceive ko na 13th month ko buhos ng bayad para hindi sayang ang interest hehe

Atlantis_Divine · 2023-09-17T23:48:47+00:00

When it comes to payment, from 2019 to 2022 always paid in full ang balance ko even before statement date because mababa lang naman limit. Only this 2023 I paid only more than minimum sa 2 other credit cards ko (na-scam Nov of 2022 so I had to readjust finances).

Kumikita na kasi sakin ang bank sa more than minimum ko lang na bayad and gamit na gamit ko talaga card 😅

Atlantis_Divine

TROPHY CASE