How to Increase your Credit Card Limit (Tips & Ways)

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In this video, we are going to talk about Credit Card Limit. Credit Card Limit is the maximum amount of credit a financial institution extends to a client. Some people have higher credit card limit, while some people don't. But it's all about perspective.
Having a credit limit of 50,000 pesos can be low to some, but too high for some people. So for me, the real question is, how much do you really need? I guess that is something you can answer based on your monthly expenses.
But regardless if you think it's low or high, the good thing is we don't have to settle. We can get a higher credit card limit in different ways. And in this video, I share some of those ways, shared tips, and my experiences when it comes to getting and requesting for a higher credit card limit.
Sure there are a lot of advantages to having a higher credit card limit, but there are risks too. So be sure that you really need one before requesting for an increase in credit card limit, or applying for a new credit card to get a higher credit card limit.
I also mentioned in the video that Citi is not giving any automatic credit card limit increases no matter how good you are when it comes to handling your credit card. Well, I found out that it's not true. Although it's true for me since Citi never gave me an automatic increase in credit limit for 6 years. It doesn't mean they are not giving it to someone else.
So if you're interested to get a CITI credit card and receive a cool Welcome Gift, check out this link: bit.ly/NoyFinanceCitiSimplicity
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Опубликовано:

3 окт 2021

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Комментарии : 215

@NoyFinanceVlog 2 года назад

I just found out that CITI really give automatic credit card limit increase. Madami na nag sabe sakin, mukhang hindi pala ako ganon kalakas kay CITI lol. But it's fine, it's still one of the BEST cards. ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-RlFG0Aa_wC0.html

@bgbizkit 2 года назад

I have a Citi card with good credit standing that I rarely used for two years, suddenly for the past 5 months biglang ginamit ko sya and ang mga purchases ko almost sagad-sagad na. Nag notify last month si Citi na may auto increase ako. I guess, nagbibigay sila ng increase pag heavy user ka ng card and full payment lagi. Napanood ko din sa isa pang vlog, na si Citi daw nag iincrease ng limit pag laging masasagad na ang usage.

@NoyFinanceVlog 2 года назад

actually napansin ko nga din. upon reviewing din kasi ng gamit ko sa citi. usually pang gamot lang tlga. though my BDO yan tlga sagad sagad. so siguro nga ganon sya nag wowork, not only for citi, but for most banks. na tipong tingin ng bank kulang sayo yung credit limit mo kaya binibigyan kapa lol

@jochellemaeolojan9550 2 года назад

Sir question, anong credit card pwede sa ganito: 1.grocery 2.travel at pwede transaction internationally 3. Tapos installment 4. May cashback

@jochellemaeolojan9550 2 года назад

Meron po kasi ko credit card ung SB cc titanium pero wala sya cashback

@MorrisDXplorer Год назад

@@jochellemaeolojan9550 BDO Platinum Credit Card

@yasuhirotomita8970 2 года назад

very clear! thanks sa info

@MissyatHome 2 года назад

I didn't apply for a BDO cc but they issued one for me last 2014, and nag auto increase talaga sya over the years, not sure lang kung san sila nag base to issue one for me, and then I applied sa Citibank last year and got approved...and then yesterday I got a text from RCBC that my application is also approved...I didn't expect na ma approve sa RCBC kc pinilit lang ako ng isang agent na nasa grocery , anyway good credit standing is really the key. Thanks for this very informative video, more power po sa channel nyo. 🙂

@justinangelobron8828 2 года назад

Good bank standing/credit standing is the key! 💯💯💯

@NoyFinanceVlog 2 года назад

mismo sir :)

@MorrisDXplorer Год назад

agree

@ChedSatoshi 2 года назад

Ma-share ko lang, you don't have to always pay in full every month. Basta masmalaki sa minimum due amount, make it double or triple ng minimum due. Mare recognize pa din yun ng bank for promising credit limit increase. Based on my experience in Metrobank and Eastwest. Gulat na lang ako, from 80k, naging 120K sa Metrobank. Si Security Bank ko, mejo nagtatampo na ko dun, my very 1st CC, pero bagal mag increase ng credit limit. from 20K,... 50K pa lang ngayon haha i mean huhu

@vinzonregondola1633 2 года назад

Hello po, Sir Noy. Ask ko lang po, may video or review na po ba kayo para sa mga banks na may shared at seperate credit limit sa mga credit cards nila? Thanks.

@jersonbawan3669 2 года назад

Sir Noy, nagsubscribe na po ako sa Channel niyo.

@NoyFinanceVlog 2 года назад

salamaat po :)

@najahmacadato-bo3en Год назад

Pwd kaya sa groceries para magkaroon ng points at para tumaas ang credit limit? At saang groceries nagkakaroon ng points?

@anniebee4633 2 года назад

Hi sir noy, ask ko lang po kung considered top tier / elite cc ang metrobank travel platinum visa? I just got approved po and this is my first cc by the way

@julieannobungen4095 2 года назад

Hahahha relate sa naexcite na napproved taz nadisapppoint sa mababang credit limit..😅

@NoyFinanceVlog 2 года назад

hahaha madalas yan mangyare talaga

@mjvv2909 Год назад

Di ako nag-aaply ng CC sa BDO pero bigla lang ako binigyan nagulat ako sa LBC sila nag-deliver kaso napakaliit ng limit 20K lang. Halos wala ka mabibiling magandang gadgets 😅

@vmrevote Год назад

i suggest wag kau masyadong focused sa pag increae ng credit limit nyo. Instead, focus on increasing your after tax income. Madali mag save at gumastos, pero mas mahirap kumita ng pera and it takes a lot of creativity and sophistication to increase the inflow of money

@joepetermonderondo7098 Год назад

Good day sir,pano kung may delay payment ka sa credit card mo may chance pa bang maka pag request ng credit card.

@badruncoy7687 Год назад

Sir pwede magtanong, for example meron ako credit card na may 30k limit then may gusto ako bilhin online na worth 40k, kpag nag payment or deposit ako sa credit card ko ng 10k, magagamit ko ba card ko dun sa bibilhin kong worth 40k? Ty

@Mr.NM26 Год назад

Nagulat lang ako sa BDO nag automatic increase sakin in 6months pa lang. Ang habit ko lang is sinasagad ko lagi ang credit limit in a way na lahat ng usual monthly expenses ko card ang gamit ko like gas, groceries, pati mga wants etc. Then ang due ng SOA ko is every 25th of the month pero every sahod ko ng 10th palang binabayaran ko na sya.

@NoyFinanceVlog Год назад

ganyan din nangyare sakin hehe

@nikensantos1333 2 года назад

Ano po highest credit limit nyo sa mga cc nyo now?

@spacewarriors5175 2 года назад

boss c bpi pag frequent na ginagamit ok ba pag dating sa cl given less than 30k lang monthly income

@vislyquia-ot1899 2 года назад

Sir, can you explain po about the cons and pros about BDO Titanium CC Mastercard? Wala po ako makita na videos eh :/

@clarksnkrstv5268 2 года назад

Same here

@pandacutequeenplays3160 2 года назад

Yun gold mastercard Po ba ksama sa anong tier? Ksma Po ba cya sa elite?

@alferjimenez6000 4 месяца назад

Any idea for Union Bank? nag i-increase ba sila ng credit limit after 1 year or mandatory mag request?

@arlenefrancisco8524 11 дней назад

Hello sir how about ewb..my automatic increase din b after 6mos if good payor? ty

@timyong6152 Год назад

Good day NoyFinance, does HomeCredit in any way affect my credit score?

@NoyFinanceVlog Год назад

i believe so po.

@merielgalang6631 2 года назад

hello po, can I ask po if there are ways I can increase my credit limit on my eastwest credit card immediately?

@MikeeLeeLing0118 2 года назад

Meron chat feature ang eastwest sa messenger. Magrerequest ka ng credit limit increase via messenger chatbot.

@cometneowise6036 9 месяцев назад

For 15 years na maxed out ko yung cc ko at ang binabayaran ko lang ay minimum amount pero di ako nalalate sa payments, one time binayaran ko outstanding balance ko isang bagsakan, good impression na kaya yun sa bank para bigyan ako ng credit limit increase?

@NaomiCelvestre 3 месяца назад

na increase na credit card limit ko hindi ko naman mawithdraw buti nalang nakita ko mga recommendations kay maam katrina faye sabordo sya talaga ang nakatulong saken

@ji-indi8669 Год назад

Binigyan na ako ng 7-digits credit limit ng bangko ko w/o even asking for one... ok na sa akin yun dko nmn maxado gamit not even 10% of it 😊

@ednadebelen2239 2 года назад

Sir ask ko lang po.ok lang po b na ilagay ung cc no# sa application form tuwing mg apply ng cc sa ibang bank.salamat po

@NoyFinanceVlog 2 года назад

yes ok lang yun

@agpayjun Год назад

Yong Robinson Dos credit card wala talagang automatic increase limit

@ferdinandjulian494 Год назад

10:18 ano po ba magiging feedback sa bank kapag po na maxout natin ang ating credit card? my BPI po kasi ako laging max yung CL dahil po meron akong mga existing loans na nababayaran ko naman ng tama, pangit po ba magiging standing ko kapag po nasasagad?

@NoyFinanceVlog Год назад

pagdating sa credit score may negative effect sya. pwedeng mahirapan kang kumuha ng new loans etc. pero pagdating sa card mo as long as nbabayaran mo sya ng full and on time wala ka naman magiging problem jan siguro mas ok din if mag request ka ng increase kung kulang ang CL mo

@kristinasantiago9355 2 года назад

Hello po sir. Ask ko lng paano ma activate ang hexagon bankard baguhan po kasi ako. Slmt po

@NoyFinanceVlog 2 года назад

ito ba? rcbcbankard.com/hexagonclub

@DG-be2ny 2 года назад

BPI also gives auto credit limit - as long as you pay in full and on time.

@jadenweiss8965 2 года назад

Pano po mag request ng increase credit limit kay bpi?

@konradkiermatondo8806 Год назад

Is it yearly?

@hazzelsanchez670 11 месяцев назад

Hi po hm po ang credit limit ng bpi for the beginner? Thanks

@tca666 2 года назад

Mas dapat maging responsible user ngayon dahil meron nang credit info bureau by law so may central database na talagang kinukuhanan ng credit history report ng applicant

@NoyFinanceVlog 2 года назад

Yes meron na.

@janvincentliceralde3196 2 года назад

I got security bank's Next Titanium MC as my first cc, and I will use it as reference card. Medyo restricted ako sa >5K spend, auto-12months installation haha

@NoyFinanceVlog 2 года назад

yun nga lang hehe. ok lang san kung wlang interest ano

@janvincentliceralde3196 2 года назад

@@NoyFinanceVlog oo sir Noy, kaya yung mga appliances na less than 5K muna 😂

@NoyFinanceVlog 2 года назад

@@janvincentliceralde3196 hehe ang gara eh no

@honeybeh5043 2 года назад

Parang ang hirap gamitin ng SB NEXT kasi may additional 1% every month, if 12 months installment ibig sabihin po ba 12% din yon sa isang taon? Parang ang laki heheheh 😁

@janvincentliceralde3196 2 года назад

This is an email I got from secb. Hope this helps! "Furthermore, yes, your transactions at least PHP5,000 and above will be automatically be converted into installment plan of 12 months only, with an add-on rate of 1% monthly. However, acceleration of installment will be subject to a corresponding fee amounting to 5% of unbilled portion of the principal amount. Moreover, you may still avail 0% installment plan offered by the selected approved merchants."

@maze_mzzy 2 года назад

sir kapag nag bigay ng credit limit increase, e change ba nila ung credit card mo like for example e upgrade nila to gold, titanium so on na bagay dun sa credit limit na un?

@NoyFinanceVlog 2 года назад

minsan oo pero minsan hindi naman :) depende din sa request mo yun. pero pag automatic, pwede kahit ano jan :)

@renualluzara2620 Год назад

How about sa lending company po , doest it affect my credit score also ?

@NoyFinanceVlog Год назад

it depends ata if member sila ng mga credit agencies

@heartbvlogs 2 года назад

Noy, I just got my Eastwest Mastercard, napa waive mo ba ang 1500 annual fee or redeem through rewards? Yung 40k plus rewards na annual fee sa EW - for life ba yun? Sana masagot Q ko.. Thanks Noy! Tag me! 😊

@NoyFinanceVlog 2 года назад

yes nakakakapag pa waive ako sa EW iba ibang ways, minsan nag eennroll ako ng bill, minsan spending requirement. pero ayoko ng points hehe

@merilyncorong3422 2 года назад

Hello!, yung credit limit po ba may pinagbabasihan? May plan palang kasi ako kumuha ng credit card.

@NoyFinanceVlog 2 года назад

yes different factors po yan like income, credit history, etc :)

@joanignacio2526 2 года назад

Hi po! Bdo release credit card sakin last july pa ata of 2021. And until now di ko pa sya naactivate. Pwede ko pa po ba yung iactivate?

@joanignacio2526 2 года назад

Thank you in advance!

@Pauljack2370 2 года назад

Nakakaafect po ba or mgkaka negative score if late ang payment ng meralco and water bills? Nakareport po ba ito sa credit bureau? TIA

@NoyFinanceVlog 2 года назад

ahh hindi naman kasi hindi naman sya credit :)

@heraavery 2 года назад

Sir RCBC card ako ngayon. Tapos 1st time ko nag apply binigyan nila ako nung Bankard Platinum yung Itim nasa top tier nba yun?

@champaves4541 2 года назад

How much po credit limit nyo sa RCBC platinum?

@johnrakiemarasigan2741 2 года назад

Sir noy pag po beginner pwede na po kaya maka cash loan?

@NoyFinanceVlog 2 года назад

ang cash advance usually kapag 6months or older na yung card mo

@cherryred5106 Год назад

My first CC was BPI Gold Mastercard. CL is 100k. Medyo maliit, pero after a year pina-increasan ko to 300k. Approved naman 🙏

@NoyFinanceVlog Год назад

nice :)

@janeshayravalena9563 Год назад

Hello holder din ng bpi gold cc. May hiningi po ba sila documents para ma-increase after a year using bpi gold cc?

@gelc9041 2 года назад

Hi, sa akin iba naman, Citibank auto increase many many times. Tip- I pay OVER THE BALANCE kaya puro credit ang ending balance ko

@NoyFinanceVlog Год назад

nice thank you po

@angelosantillan9906 10 месяцев назад

Magkano overpay mo sir?

@gelc9041 9 месяцев назад

@@angelosantillan9906 I pay over eg 3k OB - I pay 4K. For one billing cycle hindi ko ggamitin PARA MAG MARK yung 1k credit. Kasi pag ginamit ko hindi iyon mkkita ng bank. Tapos gamit ulit after the next billing tapos ganun ulit sobra na naman. Auto increase ng sobrang , basta sobra sa laki NAGUGULAT NA LANG AKO. Dahil hindi ko dasurv,

@swainamistoso5630 2 года назад

sir possible ba na ma decline application mo for credit card kapag may unpaid credits ka sa mga online lending apps?? thanks

@NoyFinanceVlog 2 года назад

well most probably kasi ang mga lending apps, kung legit, mga naka register yan most probably sa CIC

@MichaelAta-mr8rw Год назад

newbie po. pano ma check yung credit limit? thanks

@NoyFinanceVlog Год назад

yung credit limit na binigay ba sayo? or yung natitira mo pa?

@rafaelgopila9366 2 года назад

Paps almost 2yrs n cc bdo ko and nakaka bayad naman akk lagi on time minsan nga maaga pa talaga.. kaso one time halos onti nalang natira sa limit ko once lang naman yun.. may possible po ba na matagalan o hindi na ako ma automatic increase pag ganun lagi na mejo mababa n ntitira sa limit ko??? Thanks paps

@NoyFinanceVlog 2 года назад

well in my experience tinataasan ni bdo yung limit ko kasi gamit na gamit ko sya. to the point na palge ko din namamax out pero hndi nag ooverlimit. so basta make sure mo wag mag overlimit.

@iminvinzcible 2 года назад

Good evening Sir Noy. Nakakapag-build po ba ng credit history ang mga loan apps? I used several loan apps po and na-aapprove naman po ako. Good payer po ako and making advance payment.

@NoyFinanceVlog 2 года назад

anong klaseng loan apps?

@iminvinzcible 2 года назад

@@NoyFinanceVlog billease and cimb po. pero nakareceive na po ako ng approval sa rcbc and unionbank. i never expect na ma-aapprove po at sabay pa :D waiting na lang po sa delivery ng card

@NoyFinanceVlog 2 года назад

wow nice congrats :)

@nikensantos1333 2 года назад

@@iminvinzcible billease po masipag sila mag report sa Transunion kaya mkaka build ka ng credit history. Mostly ng banks sa Transunion tumitingin

@platitoomils4354 2 года назад

sir Noy! ask lng po if ung credit limit mo mababa like 20k pwede po ba gamitin epurchase ng item nka installment item like 50k more than sa credit limit mo? frts time user here.

@NoyFinanceVlog 2 года назад

i have a video about that andito ata ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-er5YmnmuOiQ.html pero to answer your question hindi po. dpat pasok sa credit limit mo yung buong amount

@platitoomils4354 2 года назад

@@NoyFinanceVlog thank you po👌🏼

@ajyeyevlog5476 Год назад

Nd po pwede

@ajyeyevlog5476 Год назад

Kailangan 20k din sakto kailangan wait ka 1 year para ma increasan

@didit9152 2 года назад

200 k credit limit to 945k nagulat nlng ako.that is RCBC.

@NoyFinanceVlog 2 года назад

wow you did it! hehe

@dianamaguicay 2 года назад

HOW PO?

@marckevinserrano2867 2 года назад

Paps yung secured credit card ba nagwowork like regular cc for installment purchase? Salamat paps

@NoyFinanceVlog 2 года назад

yup pwede din sa instlalment yun

@marckevinserrano2867 2 года назад

@@NoyFinanceVlog salamat idol. 😁😁

@shynosaur 2 года назад

hi po sir. nakatanggap po kasi kami sa bdo years ago pa ng platinum cc nila and balak ko po sana ipa activate ngayon. Pwede po kayang bago ko ipa-activate, magrequest po na ipawaive ko ang annual fee and pa-increase ng credit card limit? thank you po.

@NoyFinanceVlog 2 года назад

Years ago? Gaano na ktagal baka kc close na yan

@shynosaur 2 года назад

@@NoyFinanceVlog maybe 2 yrs ago po? di po namin pina activate kasi di po namin alam dati na pwede ipawaive yung annual fee, but yung exp pa naman po nung card is 2022 pa.

@NoyFinanceVlog 2 года назад

@@shynosaur better nyan check nyo muna if pwede pa ipa activate. Then oag pwede pa request nyo muna if pwede ma no annual fee and taasam credit limit. :)

@shynosaur 2 года назад

@@NoyFinanceVlog noted po sir. thank you so much po!

@jetreyes6132 Год назад

How about secured credit card will the bank give you auto credit as well?

@NoyFinanceVlog Год назад

you mean auto credit limit increase? no kasi sa secured credit card ang credit limit is based sa hold out amount mo

@jetreyes6132 Год назад

@@NoyFinanceVlog I see. For how long will the bank would eventually release your hold out amount in exchange for a regular credit card?

@NoyFinanceVlog Год назад

pwede mo itry mag apply na for a regular card after 1 year

@gingalbz8329 2 года назад

Sir gd eve magkano naman po kadalasan iniincrease nila sa credit limit example po ang bdo po..automatic increase po sya dba?

@NoyFinanceVlog 2 года назад

ako experience ko sa BDO, normally nasa 100k+ ang iniincrease

@gingalbz8329 2 года назад

@@NoyFinanceVlog thank you po sa info sir...Godbless po

@arcim2018 Год назад

Sir hindi ba tataas ang credit limit pag lagi minimum amount due ang binabayaran? Tataas lang ba talaga siya pag nag full payment every due date?

@NoyFinanceVlog Год назад

hindi po tataas ang credit limit pag minimum lang ang binabayran. ang tataas po jan ay interest. magkaka problem po kayo jan pag minimum lang ang binabayaran

@lhayrhenhipos1013 Год назад

Ako po hindi ako nag apply ng cc sa bdo pero may dumating sakin,maliit lng ang credit limit 20k,nagagamit ko namn po,ok lng po ba bayaran ng full kahit naka 3months installment?ganun po kasi ginagawa ko pag may pambayad na ako binabayaran kna ng buo ung nagamit ko,,tataas po kya ang creditlimit ko?sana po mapansin mo comment ko,

@NoyFinanceVlog Год назад

yes pwede naman yun. sa pag taas ng limit makaka tulong din po yun

@jordenvallestero9189 2 года назад

Paano po ma convert CC from BDO amex to BDO Visa/Mastercard?

@NoyFinanceVlog 2 года назад

pwede nyo po siguro itawag sa bdo

@joyesplana5634 2 года назад

Ang credit limit po for 1 year usage. If 150k ang credit limit mo , ayun lang pp yung dapat mo magamit in a year tama po ba?

@NoyFinanceVlog 2 года назад

hindi naman po. ang credit limit is the maximum na pwede mong magamit sa card mo, regardless po sa time. pwedeng magamit ang 150k in 1 day. pero pls take note hindi po yan nag rereplenish ng kusa. mag rereplenish lang po sya pag nabayaran na. so if you used 150k, then nag bayad ka ng 30k, magkakaroon ka ulit ng available credit limit na 30k :)

@maze_mzzy 2 года назад

nakaka lower ba ng credit score ung mina max out ung cc limit sir? ako kasi mina max out ko sya pero binabayaran ko naman sya in full pagka due date...ok lng ba un?

@NoyFinanceVlog 2 года назад

yes nakaka baba pero mas important na nbabayaran mo sya. pero kung kaya mo wag ma max out kasi baka ma chargan ka ng overlimit fee naman. ang pinaka important nababayarn mo on time and in full. pero syempre iwas sa charges kasi sayng pera hehe

@dianamaguicay 2 года назад

@@NoyFinanceVlog ano po ba ibig sabihin ng minamaxout ang credit card limit?? like for example 50k credit card limit mo ibig sabihin wag ka mag eexceed ng gastos na more than 50k sa loob ng isang cut off??

@princesirishtorres7054 2 года назад

totoo po ba yun nakalagay sa sobre na pinaglagyan ng credit ko 150k limit and 75k cash advance 1 week pa lmg po credit card ko pero para hnd naman po xia 150k limit pero yun po ang nakalagay sa papel na nasa ng credit card ko 150k limit..

@bgbizkit 2 года назад

Usually, whatever is written sa envelope, yun talaga yung amount pwede hiramin. You can double-check the details when you enrol or link your credit card sa bank app. Call the bank din

@NoyFinanceVlog 2 года назад

salamat sa pag sagot boss,. agree

@NoyFinanceVlog 2 года назад

papano mo naman nasabi na parang hindi sya 150k limit?

@MorrisDXplorer Год назад

Sakin di naman ako nag apply pero pinadalhan ako ng credit card na may malaking credit limit. Bakit kaya ganun?

@MorrisDXplorer Год назад

@ogsix tradoc3 BDO

@MorrisDXplorer Год назад

@@justroaming15 BDO

@johnpaultaras3846 Год назад

Hello po! Ako baguhan pa lang sa credit card. Bpi blue mastercard po yung sakin, medyo mababa yung CL which acceptable naman since first timer ko. Question ko lang po if ever gamitin ko siya and we know na mababayaran siya ahead of the due date there's a possibility po ba na tumaas yung credit card limit ko? Thank you po!

@NoyFinanceVlog Год назад

yes po basta okay ang paggamit nyo meron po talagang possibility yan after some time

@johnpaultaras3846 Год назад

@@NoyFinanceVlog thank you so much sir! 🙏

@j3t_vlog 2 года назад

Sir, what do you mean pag imementaine yung CC? Pay in full or increments?

@NoyFinanceVlog 2 года назад

i mean alagaan yung credit card. so dapat palaging full payment and ahead of time

@emissyuu8414 2 года назад

Sir, If I apply cc. need kupa po ba mag consult sa near branch nila or ipapadala nila saken yung credit card, If na approved po? Thanks in advance

@jochellemaeolojan9550 2 года назад

Sakin they will deliver once approved kasi ung bank account ko may maintaining balance

@NoyFinanceVlog 2 года назад

if regular credit card hindi na kaylangan na pumunta ka sa branch para mag apply. though a branch can help you.

@NoyFinanceVlog 2 года назад

secured credit card ata yung sayo?

@justroaming15 Год назад

@@jochellemaeolojan9550 Okay po ba yung Next Mastercard? Na activate po ba within the day?

@jay9742 Год назад

Napunta ako sa video nato dahil tumawag si BPI 🤗

@NoyFinanceVlog Год назад

nice :)

@gelyngatila3949 Год назад

Boss ask lng po mejo newbie tlga ako sa cc last year pa tlga nag cacall ang bpi sakin mag avail ng cc nila, hesitant tlga ako CC kasi marami nga nababaon sa utang jan.pero dahil curios din ako nag try ako mag apply kasi panay call sila, tas na approve ako ang laki na kasi ng binigay sakin 250k pano un boss kahit hindi ko ma gamit hindi nmn un mag rurun ung bayaran mo sakanila noh? Nakakatakot kasi sa laki😅

@gelyngatila3949 Год назад

This month lng ako nag apply, nagulat lng ako ang laki ng cc limit na binigay po sakin, pag ganun ba kahit hindi ko pa na gagamit pag purchase wala nmn mangyayari MA poh noh , Thank you sa pag reply.

@NoyFinanceVlog Год назад

yup wala naman. take note lang na may annual fee ang credit card. yun ang barayan mo padin if ever kaht dimo ginagamet

@Jemm1029 2 года назад

Sir meron na ba ikaw na vlog na "Kailangan mo ba ng malaking credit card limit?" kasi honestly speaking ang iba gusto Nila malaki ang limit Nila kasi pang ego booster din kasi

@NoyFinanceVlog 2 года назад

i agree. well parang ito narin yun.

@NoyFinanceVlog 2 года назад

i agree. though maiiwasan naman yan, most banks ngayon madami ng security lalo na kung ang transaction is uubusin ang 400k. not unless phishing victim where nakuhaan ka ng OTP, yun mejo mahirap yun kasi may negligence na sa part ng cardholder kaya may risk talaga, pero kung magiingat, maiiwasan

@Jemm1029 2 года назад

@gel @NoyFinance Another thing is yung mga iba na fine flex Nila ang limit Nila or kung anong type of credit card meron sila

@Gukodu 2 года назад

Mag kano credit card limit sa pnb

@NoyFinanceVlog 2 года назад

depende po

@rommelsalvanera7688 Год назад

sana pala diko muna inactivate yung RCBC ko na 10K CL HAHAHHAHA

@NoyFinanceVlog Год назад

hahaha hindi naman guaranteed yun

@rosemahinay7634 Год назад

yung bpi nag aauto increase din. Sakin nun umabot ng 110k. E dko nman kailangan ko pinadowngrade ko. after nun, for 3 yrs now na dna nag incerase, LOL

@NoyFinanceVlog Год назад

nice. bpi ko din pero matagal hehe

@emmanmalabayabas9698 2 года назад

Parang sa metrobank ko every year tumataas sya nag start ako sa 25k then ngaun nsa 114k na. Pero ngayon prang di na sila nag increase sakin dapat ngayon tumaas na sya. Dati di na ako nag rerequest automatic na agad mukhang this year di na nila ako iincreasan good standing nman ako. Napapansin ko ksi nag iincrease sila pag mag aanual na credit card ko. ngayon mag aanual nanaman cc ko dpa nagpaparamdam na mag iincrease sila

@Maria-mw3np 2 года назад

Ilang yrs. Na po un mbtc mo ?sakin kasi nag increase pa every year baka sa susunod di na ... Di pa nmn naabot sa 100k un limit ko

@emmanmalabayabas9698 2 года назад

@@Maria-mw3np 5 years na po Active card ko sakanila

@asdfgh-tw7os 2 года назад

Hi sir! I have my credit card and beginner palang po ako. Ang credit limit po is 40k and I want to purchase a gadget na worth of 40k 2 yrs installment with 0% interest. Ibig sabihin po ba non tsaka ko nalang ulit magagamit yung credit card kapag nabayaran ko na yung 2 yrs? Salamat po. Sana masagot nyo

@marcimonterozo3005 2 года назад

Once you consumed the credit card kahit zero installment automatic bawas na yung worth 40k sayo then installment lang siya for requested months.

@jeffreypenano03 2 года назад

Marereplenish yung limit kada bayad mo po. For example nag swipe ka ng 40k ngayon tapos yung monthly mo is 5k. Next month kapag nagbayad ka ng 5k automatic yung binayad mo magrereflect yun sa available limit mo which you can now use. The more you pay, the more na marereplenish yung limit po.

@sangkayofficial 2 года назад

where did u apply for cc?

@rmhonepiece Год назад

naloka ako kay citibank 20k lang binigay na credit limit eh maganda naman standing sa ibang cc hahaha... kabaligtaran sya ni security bank hahha

@NoyFinanceVlog Год назад

minsan gnyan tlga :)

@rmhonepiece Год назад

@@NoyFinanceVlog pero nagrerequest ako ng credit limit increase sa app panay declined at error hmmm....

@maryrosediaz7313 Год назад

Gusto ko nlng hintayin tumawag c bank na bakit po d mo ginagamit yungcc mo, me : Ang baba po Kasi limit 😂

@NoyFinanceVlog Год назад

pag dimo ata ginagamet mas lalong hndi nila itataas hehe

@xenolesterprojects 2 года назад

BPI first card ko 2 yrs ago til now 20 k parin after 3 yrs - nevr misd any payments nag request akoo credit card limit incread declined first atemp haha - si Citi second card ko 100k+ ang limit - nagtatampo ako kay BPI hahahahaha - pagka activate ko ng Citi ko 60 k limit after 3 days nag pa request ako increase na increase agad 100k+ instant

@NoyFinanceVlog 2 года назад

nice ahh. hehe ako din actually BPI ko hindi din tumataas ang credit limit msyado. pero gusto ko sa BPI yung madness limit. meron paba non?

@spacewarriors5175 2 года назад

frequent din ba usage mo sa bpi?

@czyczy2208 3 месяца назад

Yes may madness limit c bpi kung ano ung credit limit un din ang madness limit mo

@Katecat4334 2 года назад

First time kung magkaroon ng cc at ibinigag na CL ay 70k agad.

@spacewarriors5175 2 года назад

anong card?

@Katecat4334 Год назад

@@spacewarriors5175 PNB zelo Mastercard

@spacewarriors5175 Год назад

@@Katecat4334 nice. apply ka na rin ng citi simplicity same perks and benefits. Ang kagandahan lang merong citi payall na features

@EngineerNhu 2 года назад

Gnun tlga si rbank sir, kht nga ako 10k lng bnigay.. 150k cl ref card ko🤣

@NoyFinanceVlog 2 года назад

ahhh tlga ganon pala talaga sya 😂 akala ko ako lang eh lol

@mckzter07 2 года назад

Natatawa tuloy ako sa CC ko sa Security Bank. Titanium tier card pero ung credit limit parang 10days na pinapasok ko lang sa trabaho. LoL

@NoyFinanceVlog 2 года назад

baka naman yung 10 days mo na pag pasok bos eh 6 digits hehe

@randypalma1747 2 года назад

. .

@NoyFinanceVlog 2 года назад

😂

@espejoceejay428 Год назад

Sir ask ako if may metrobank ako di na nabayrn sa credir card affected bayun sa ibang bangko?

@aileenmarasigan4920 Год назад

Na approved Po Ako sa Metrobank Platinum meron Po syang annual fee 5k a month.. ask ko sa banko kung nawawaive Hindi daw Po.. Gusto ko sana syang palitan sa cc na walang annual fee..

@NoyFinanceVlog Год назад

5k a month? a year naman ata yun but anyway. pwede nyo naman po ata yan ipa downgrade if ever sa walang annual fee kaya lang baka mababa na msyado sayang features din.

@chelpotpot Год назад

D ako nag apply, nagulat na lang ako may credit card ako platinum 😂

@NoyFinanceVlog Год назад

nice 😎😎

@justroaming15 Год назад

What bank po?

@chelpotpot Год назад

@@justroaming15 bdo

@justroaming15 Год назад

@@chelpotpot dineliver lang po yung card?

@chelpotpot Год назад

@@justroaming15 yes. Pero may savings kasi ako sa kanila na due to pandemic at d ko na nakuha yung na renew kong atm card plus d makauwi ng pilipinas kaya siguro naging factor sya.