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As freelancers, how do you guys apply for loans and credit cards?
37 Replies
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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