As freelancers, how do you guys apply for loans and credit cards?
37 Replies
usually bank SOA or bills na mga binabayaran as proof of financial capacity pede na siguro (not a freelancer here).
Start with small and pay on time.
dami sa mall
dapat may existing bank account for credit cards
SOA, Employment Cert.
I was denied when I enrolled a cc in BPI. Then after a month someone call from the bank that I can avail and said yes. It must due to my high remittances.
One of the reasons why I pay income tax.
Keep at least 20k sa savings account for at least 6 months, eventually they will call offering a credit card
Dapat po meron kayong bank account na malaki ang balance and lagi may laman. Posible kayo magka pre approved CC. My mom does not have an ITR pero dahil meron siyang maliit na business na lagi niya need magpa Managers check meron soyang CC ngayon na 500k limit. Sa car loans, dinadaya naman ng mga agents ang requirements e sila na bahala. Pero still mejo mahirap pa din. Mahirap pag housing loan kasi bank mismo yan or PAGIBIG. Requirement talaga ITR
Pero po malaki ring factor kung meron ka pong bank account at labas pasok ang pera. Malaki rin ang factor kung malaki laki ang pera na pumapasok dito. And if freelancer ka na from upwork, need mo po ng certificate from upwork kung magkano ang monthly and annual income mo. Maraming freelancer na may credit cards. :)
I have a bank account and di ko talaga sya ginagalaw kasi gusto ko talaga magka-cc for business purposes. wala kasi akong ITR and independent contractor ako sa current employer ko and hopefully pag nag-apply ako eh ma-approve agad
Kaya importante tlga registered self employed ka and pay taxes. Or else lilitaw sa record mo jobless ka kahit may laman bank account mo. And bka ma report ka pa
Maintain atleast 200k sa bank mo sila mismo mag sesend ng credit card sayo without applying
you can get sa rcbc, if you avail of the passbok + atm for 10k. You'll get a complimentary cc of 5k limit. Thats a good start 🙂
I have 3 CCs and got them through agents.
I applied for a car loan na wala akong na-save sa bank hehehe pero nakakuha ako ng new car.
I have 7 CCs pero nagsimula sa pre approved. Wala itr or any docs nung natawagan ng bank. Freelancer nko nun. Tingin ko pag nakita nla na labas pasok pera sa bank dun sla magoffer. Kasi non wala naman akong minemaintain na balance sa savings. Laging withdraw dn.
Sa BPI you have to apply for a savings account, deposit 10k. Let the teller know that you are converting that into a Credit Card account. That's it :) if you're already receiving your pay through BPI, no need to apply for a separate savings account.
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When paying, as much as possible, use your debit card. Tinitignan nila dc usage mo if mhilig ka talaga sa cashless payment.
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Maintain at least 20k in your bank account for six months
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Pay your tax. For ITR
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Find a good bank agent. They'll find a way for you.
Here what i did. nag bank ako s bdo. for more than 8 months magandang ang status ng accnt ko sila n mismo nag offer. pinadalahan ako ng credit card. kapag may cc kn, aply k ng cc s citibank, mababa ang monthly interest nila. sila ang may pinaka mababa 0.59% kapag mag loan k base dun s cc limit mo
May work or wala pag po good client kayo ng isang bank. sila mismo magooffer sa inyo. Kayo po makukulitan sa tawag nila. :)
Im a good client sa banks ko. i use bdo and bpi for everything.payment and transfers, i have insurance investment from bpi too. They just offered me. 2 gold credit cards with 120k+ na agad na credit limit each plus another ecredit. From there, inofferan nako ng ibat ibang banks.. with the same limit.
Madaling maapprove through agents sa mall. That is how I got my first card. The succeeding card was approved because of that. Kahit wala na yung 1st card ko, yung 2nd card ko, maintained ko yun. Kaya dun na basis ng iba
Inienroll ko sa online banking ang BDO kabayan ko, after 1 year na may consistent na pasok ng pera, nag apply ako online ng credit card, kala ko di maapprove kasi lagi zero balance ang account ko 😂 😂 pero after a month after ko mag apply, may dumating sakin 2 BDO CCs. Maganda naman ang BDO, may flexi payment options.
Former agent din ako ng credit card at may connection pa din sa ibang agents pero wala pa sa plano ko magdagdag ng Credit card 😀
Maintain a good savings account muna in security bank, meaning, puro deposit, walang withdrawals, then apply for credit card (online). Mataas naman limit ng akin
Depende kung san ka magloloan. Kung sa mga gaya lang ng billease, you just state your income tas provide mo yung latest na rec ng income, tas valid ID, ok na kahit wala kang bank account.
If credit card, mas madali if preapproved nnag bank. If car loan, madali din basta makapagprovide ka nang proof of income, bank statements.
billease.ph - at first yung loan ay lazada credits. when you pay on time and consistently get loans from them, they will loan you cash na that you can send to your bank account. i sent mine sa paymaya tapos real time sya as in seconds lang andyan na.
Started with secured credit cards from 3 different banks... after a year I found an awesome credit card agent who helped me apply for a regular card. No docs needed. And yes, marami sila sa mall lol
marami sa sa mga SM Hypermarket samin (Cebu) citibank at BDO fill up ka lang ng form at 2 valid ids after 2 days approve.
Get a statement of account from you bank yaan na mag sasalita for your loan. I got approved sa lahat cc, car loan & event home credit.
Curious. What is your current credit line when you first got your card? And the later?
basta ay pumapasok na pera bank mo tapos regular sila na mismo ang aakit sayo para kumuha credit card, ako halos every quarter may tumatawag taga bpi nag oofer ng credit card
With BDO, maintain at least 50k and better if more with regular transactions for at least 3 months. Dapat despite the transactions of withdrawal hindi bumaba ng 50k ang maintaining balance mo.
Nagregister ako as business. After 6 months ata nkareceive ako BPI card 200k limit. Wla po ako maintained balance sa kanila. Pero sa BPI ako nagbabayad ng business taxes ko.
Every bank offers CC whenever you have an active checkings or savings account with 10k balance.
Online lang ginawa ko thru Security Bank. I have savings account with them na connected sa Upwork account kaya visible yung mga transactions from Paypal (upwork). Filled up the online form sa site, then voila! After 5 days the card was delivered.
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