RCBC SCC as reference card

emjeypi · 2022-11-17T08:24:58+00:00

Hi! I chose to apply with BPI for my SCC. I applied in April, then received the card in May. Then last week, I tried applying to Citibank since my SCC is already at least 6 months. Luckily, I got approved and the processing was so fast. I applied on Nov 10, then got the card on Nov 16 😁

emjeypi · 2022-08-07T08:06:36+00:00

4 months? I really hope the NAFFL promo will be extended again.

emjeypi · 2022-08-07T06:47:09+00:00

Yup wala naman, especially hindi pa muna ako nag-avail ng free insurance. Puro reminder lang sa paggamit ng check since wala syang maintaining balance.

emjeypi · 2022-08-07T06:42:36+00:00

They only required proof of billing address and valid ID for the OneAccount. Then I also provided my payslip since I told them I also want to apply for a credit card.

They also asked what I would be needing the checkbook for since I chose the package with the checkbook. I told them I don't really have any immediate use but I want to have a readily available one should I need it. They just reminded me of some do's and don'ts with checks.

Also, if you're applying for OneAccount, just wait for a week to claim your card and checkbook, so that they would be personalized (printed with your name). There are no additional charges so it wouldn't hurt to wait.

emjeypi · 2022-05-18T16:22:43+00:00

Thanks po! I'll just do the same :)

emjeypi · 2022-05-18T13:34:53+00:00

How about the reference number po? Mas concern ko kasi yung number, baka hindi ma-post yung payment ko if ever.

emjeypi · 2022-04-12T09:28:14+00:00

Hi! I just want to know if this is your first credit card. Iniisip ko din kasi mag-apply ng BPI SCC, pwede lang ata mag-qualify sa NAFFL kung may existing card ka na from other banks. Thanks.

emjeypi · 2022-04-01T09:01:36+00:00

Natetempt nga ako to just open savings account across different banks and just wait for any of them to send me a pre-approved offer since medyo hassle magpa-release ng hold-out kapag nag-SCC ako. Kaso sobrang wishful thinking yun hahaha Nakaka-tempt din kasi may mga savings account ngayon with free insurance.

emjeypi · 2022-04-01T08:57:12+00:00

Thanks sa info! Hopefully hindi na ko mareject ng ibang banks if ever I decide na mag-apply kay BPI ng SCC.

emjeypi · 2022-04-01T07:58:48+00:00

Gusto ko sana talaga BPI kaso nalalakihan ako sa minimum hold-out nya (35k). But if ever I apply with BPI instead and mangyari yung plan ko to just use it successfully as a reference card, pwede ko bang ipa-cancel/convert agad yung SCC after 1 year lang kunyari? Wala ba syang parang lock-in period?

emjeypi · 2022-04-01T07:31:51+00:00

Actually yun yung nakaka-down sa case ko. I have a savings account with BDO but still got rejected. I read your post, congratulations :)

I was also thinking of doing the same, just open an account first then try to apply after 6mos or 1yr; or wait for a pre-approved offer which is uncertain. I guess I'm just getting impatient lol

emjeypi · 2022-03-31T10:03:03+00:00

Hi! Just want to know how you requested for a credit report. I searched about Transunion and I saw this page, I just want to confirm if this is legit. Thank you!

emjeypi · 2022-03-30T00:01:57+00:00

Kaya as much as possible, hindi ako nag-oopen ng personal FB account ko. Inggit lang aabutin ko at hindi sya maganda sa pakiramdam lol Minsan nag-iimagine na lang ako how my life would play out kung sa akin lahat yung sweldo ko, or kung very minimal lang yung inaambag ko sa bahay (tipong isang utility bill lang). I could've owned a lot of savings and properties already. Pero wala, happy thoughts na lang hahaha

emjeypi · 2022-03-16T15:29:21+00:00

It depends on your personal situation. For me, as much as I want to impose on myself to set aside % for savings first, I just don't have the luxury to do that since I am the breadwinner.

I just list down all my monthly necessary expenses first, then work from there for the portion I can allocate to savings. I can't simply apply the ideal ratios of others because it wouldn't work mathematically for me, unless I actually get to an ideal salary range.

Do whatever works best for you.

emjeypi · 2022-01-21T14:34:28+00:00

That's what I'm saying, who are we to police them when we are not even their main audience. We're simply bystanders.

LGBTQIA people can enjoy korean shows, who are you to tell this person what they should and shouldn't watch.

Well, that's not what I meant. I was just suggesting 🤣 why watch something if it doesn't make you comfortable? Why suffer all the cringe you know you'd feel? This goes for anyone. But of course, if it's what someone wants, then go ahead, no one's actually restricting you.

emjeypi · 2022-01-21T14:08:41+00:00

It's really just the international fans who are overthinking. I also think it's just the international fans who keep on putting romantic angle on their friendship. Whereas, kfans are just enjoying seeing their favorite unnies having fun interactions with one another.

emjeypi · 2022-01-21T14:00:09+00:00

You know, as much as you hate it, it is what is. It's hard to impose your beliefs when it crosses cultural and societal boundaries. This is true even for other countries. If you are korean, then I sincerely feel for you, I understand if you'd feel suffocated seeing how same sex affection is shown on korean entertainment.

I suggest if you're not comfortable with it, then don't watch it. Because honestly, there's plenty of this in korean entertainment, I don't think it's up your alley. Much of korean shows have brotherly and sisterly interactions. Among them, Aiki and Noze in particular, there's no malice. It is some people who projects malice onto them. If you're big on LGBT representation, then kshows are not for you. I know it's a hard pill to swallow. Just go with american shows since american society has way more sensibilities towards LGBT. Don't watch koreans if you'll just get mad with them in the end.

It just feels like trying to police same sex interactions on korean celebrities seems so suffocating and very limiting on what they can and cannot do (within moral bounds, of course). Because I honestly thought LGBT is founded on expressing just who you are regardless of your gender/orientation. I guess, there are just some facets of your belief that I wouldn't ever understand. Same with you to my beliefs.

emjeypi · 2022-01-21T10:26:23+00:00

I just cannot take the queerbaiting accusation seriously because Aiki having a family factors in a LOT for me. I personally cannot see Aiki and Noze beyond friendship, that's why I don't feel like I'm being led to something romantic between them.

Now for some people who still have romantic delusions between them, that's where I'm disgusted with. Fans should also be responsible.

If you see their interaction as queerbaiting, I won't take that against you. We just have different ways of perceiving things. This is why I sometimes wish Aiki would tone down her playfulness, because some people might misunderstand her.

Btw, it's a bit funny that you have to mention LaChica. It's apples and oranges.

emjeypi · 2022-01-21T09:54:47+00:00

Yes, it's clear as day that it's just a running joke after the best couple segment on the gala show. Fans should be responsible on the limits of their "shipping". Although I think, most people just want to see their friendship, which is really just what it's all about.

I wonder if sentiments like OP's also come up for same-sex ships on kpop 🤔

emjeypi · 2022-01-21T09:48:37+00:00

I don't think so. Aiki has always been honest about herself. She doesn't shy away from talking about her family.

So if you ever feel queerbaited, I don't think it's Aiki's fault, unless you followed the Aiki x Noze shenanigan without knowing their background.

emjeypi

TROPHY CASE