How to Get A Credit Card Even With a Negative Credit History | PHILIPPINES
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- เผยแพร่เมื่อ 1 ส.ค. 2024
- If you are someone who has a negative credit history, you can still have a credit card!
There are 2 types of credit cards, and watch this video to learn more about them.
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Stay educated!
- Oshean
#creditcardsphilippines
#creditcards
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Thank you! This is super helpful.
This is so inspiring! Celebrating with you, Osh! 😄
Thank you, Tiff! Will upload my new video today. Watch it too once it's up! :D
Looking forward to learning more!
Thank you for this video...🤩
And for sharing your story.. ❤️
Super helpful trying to build up.my credit score too. Will surely take your tips
Thank you, Juliet! :)
Fyi, regardless of secured or unsecured cc there are no any discriminations on reward system, same lang..... the only difference is the HOLD OUT MONEY with secured cc.
Thanks for sharing this info! I'd been having this question kasi im in amnesty program still and im planning to have a cc for better use na hahahha.
Thank you for this very informative vlog. Madali lang maintindihan and professional yung delivery. More power po.
Thank you! Hope you check out also my other videos about personal finance. Happy weekend!
Create videos as well about unpaid and closed postpaid plans and internet providers if it affects and appear on your credit score and if it will hinder you from getting a credit card and availing any other bank products! Thank you so much
Hi again, Joel! I have more videos about managing credit. You can check my playlist here: th-cam.com/play/PLJlrsmxzOdtYU11UkIdOilrmXyAxLe8wu.html
I have also a lot more info on how you can check your credit position, and more tips on how you can be approved of a new credit card.
But to quickly answer you, unpaid and closed postpaid plans and internet providers are not yet streamlined sa Credit Information Corporation (CIC). Upon checking my credit reports, hindi naka-indicate dun yung mga naging postpaid plans and even my electric bills. Unike sa US na streamlined lahat. I hope maayos nila 'tong system na 'to in the future! :)
@@osheanlee i think mag rereflect yung mga
Ost paid accounts. Not sure though.. i think someone mentioned na magrereflect daw
wala pa akong cc pero I learned a lot from this video. :)
Thanks Brooks! Glad you learned a lot from this. Start building your credit history by applying kahit for a secured credit card! :)
does it affect your other loan apps like gloan,sloan, maya credit, spaylater if you have unpaid CC or loans.
New subscriber here! Thank you for doing this vlog. I've been looking for this kind of content for years on youtube. I've also started to settle my delinquent accounts from multiple banks thru amnesty program. I settled one from Citibank and they issued me a certification indicating that the account was closed and fully settled. But the certificate is very plain and without the logo of the said bank. Okay na kaya yun? Or do I need to request another one with bank's logo. Tho it was sent by the bank thru email.
Hi Joel! Thanks for watching my video. Glad to know na you are already done with your amnesty program and congratulations!! Hurray for financial freedom :)
I think it would be best if you can ask Citibank again on the certification. Mas okay na may logo ng bank nila. Yung sakin kasi meron. Or at least kahit yung logo man lang nung collecting agency so that it would look more legitimate.
Hope this helps!
Same po tyo. BPI dn CC ko before, and yon din ang delinquent ko. Though settled naman na sya. I learned my lesson na. 😀
Thank you, Niken! :D
This is so informative. Thank you for sharing.
I recently paid my credit card debt with BPI, and planning to apply again for new cc. Kaso I read somewhere na di daw agad mabbura yung negative scores. How long should I wait to apply for new credit card? Thank you in advance.
afaik 3 years dapat wala na yung sa records mo as per law
Collection Agency. Binebenta nila yong acct sa CA, 20% nlng binibili ni CA yong account kaya grabe sila maglagay ng interest. 😀
Hi sir may credit ako for almost 10 year good payer ako, kaso nag ride yong frnd frnd ang ending di sya nagbabayad kaya nakablock lahat ng credit card ko pydi po ba ako mag kuha ng ibang card sa ibang banko
Do you pay for annual fees?
Hi Pav! I just had my new credit card a few months ago, but I'll try to have it waived this November :) thank you for watching!
Gusto ko po magbyad ng credit ko s home credit Wl n po ako ma contack at Hnd rin po ako n approve n kumuha ng credit Cad gusto po sn magka credit card
What if di talaga na settled like two years ago? Can it possibly be approved if you'll apply again?
Hi Jaja! Always note lang na at the end of the day, banks pa rin ang madedecide if they will approve it or not. But to answer your question, most likely hindi. lalo na if two years ago. it gives the impression to banks and lenders na hindi ka nagbabayad and they do not want to risk it. Hope this helps!
I'm not sure if this has been asked or answered already, but I've recently just paid off/cleared my old credit card debt from 2017. How long does it take to receive a certificate of full payment? and how long should I wait before I try to apply for a new credit card again or a car loan? thank you.
You should have received it usually a week after. Follow them up if they haven’t given it to you.
Same thing for me…and it has been a couple of years since, but no response from the debt collector after I paid off my cc in the bank.
@@renspc6948 oh hindi ka binigyan ng certificate of full payment? dapat meron yan. did you keep all your receipts?
@@osheanlee I did, also have the certificate of full payment from BDO Office. I’ve been trying to reach out to them but no response since😅
@@renspc6948 sorry I'm confused. what's your agenda pa for reaching out sa BDO if meron ka ng certificate of full payment?
If it true that your bad credit card record will be deleted after 24 months?
I read somewhere na it will be deleted after 3 years. I think nasa Credit Info System Act but need to verify it
Hi! Kapag po ba nagpay using credit card sa any stores, kung ano lang po ang price yun lang need i-pay pagdating ng SOA or need pa i-ask if may interest yung item pag credit card po ang payment?
Thank you
Kung ano lang ang nasa SOA yun lang babayaran
Good video sir. Thanks for sharing your CC journey with us. I have a question, yung credit card (for example yung Security Bank Credit Card) pwede po ba ito magamit sa online shopping? if yes, pwede ba ito ma-link sa Lazada, Shoppee, Google pay, etc?
Yup pwede :)
@@osheanlee Another Question sir. Yung Credit Limit na re-replenish po ba ito? If yes, when; every month or year?
@@ethereal_specter4682 pagkabayad, usually after 2-3 days magrerefresh na. best to check yung online account mo pag na-replenish na.
@@osheanlee that is interesting to know sir. Thank you
Hindi mo naman naidetalye kung pano ka nakakuha ng Security Bank Credit Card
Makikita din ba ang insurance like bdo life sa credit history?my mga months na naddelay aku magbigay ng bayad. . .
Hi Carla! You can probably find more info here: th-cam.com/video/0fWJGLhCjXs/w-d-xo.html
Thanks! :)
Hi @Oshean gaano po katagal bago nakapagprovide ng certificate of full payment ang BPI?
Hi! Mga within 2 weeks din :)
Thank you
Hi, out of curiosity lang po, how much was your balance when BPI pre-approved you for a cc? Ang tagal ko na sa kanila pero wala pang tumatawag to offer me a card. Hehe
That was way back 2011 and honestly walang laman yung BPI ko non haha. Pero they see na active transactions ang BPI ko nun since dun ko nilalagay tuition ko for master's.
Hello, ask lang po. Balak kasi namin mag apply ng loan pero may restructuring program pa kami kay Unionbank if ever masettle namin sya may chance kayang maapprove kami agad pag nag apply ng loan right after masettle?
Hi! Yup. For sure may chance after ma-settle. Basta maganda yung payment records ninyo :)
Same history! Mine was not worse in terms of amount, pero same probably in gravity. Hahaha. 4 cards ang nadispalko ko. Had to resign kasi di kaya ng sweldo bayaran lahat, eventually, all of those cards went to collections. Eastwest, RCBC Bankard, Metrobank, and PNB. Bukod pa sa loans ko with our cooperative and salary loan sa payroll bank. And a Smart Bro account. Hahaha. All debt accumulated from 2013 to 2016. Fully settled naman na lahat by 2019. Security Bank din ang tumanggap sa akin, got Gold card too just last year. Ngayon, dalawa na, nadagdagan ng Citibank.
Hello! Super happy to hear that and cheers to financial freedom! Pero grabe yung 4 cards. Super saludo ako sayo and good luck! Thanks for watching my video :D
@fanatic27oist nagstart ka po ba ng Secured card after mabayaran lahat ng debt?
@@ishymarimat5654 di po. I tried applying sa website ni Security Bank and luckily, inapprove naman nila. The salary loan na napunta sa collections is sa kanila din, Security Bank. So I don’t know ano yung mga naging considerations nila for approving me.
@@fanatic27oist congrats!! My account kba kay Security Bank? Swerte mo kasi na approved ka though cleared kna man na sa ibang Banks 😀
@@nikensantos1333 wala po ako active accounts sa kanila during the time na na-approve ako.
Where did make payment for the defaulted amount? Sa bank po ba or sa collecting agency na?
Hi Cha! Sa bank pa rin. I go to BPI every month and then I pay my monthly bill there. Pero in case na e.g. hindi ako makabayad ng 1 month, yung collecting agency na tumatawag sakin.
Afaik, how it works is that the collecting agency "bought" my delinquent account. So kumbaga even if I am paying via BPI branch, the money is being redirected to the collecting agency.
Hope this helps!
Oh I see... thank you po sa sagot... pero kanino po kayo nakipagtawaran sa amount po? Sa collecting agency pa rin po ba or nakipag-usap po kayo kay issuing bank muna?
@@cha5670 Sa collecting agency na :)
Okay, thank you po.
Hello po, question po. Lets say nabayaran mo na po lahat ng debts mo sa dati mong credit card bank/s, pwede ka na po ba ulit mag apply ng ibang credit card sa same bank or ibang bank? Kumbaga magiging back to zero po ba ulit or bad credit history parin meron ka non? Thank you! 😊
Hi! Not sure with same bank. pero different banks oo. Ang recommendation ko is wag ka muna mag-unsecured credit card if gusto mo na magka-cc ulit.
Saan pong bank yun may pinakamababang deposit na pwede i hold? For secured cc? Thanks po
try security bank?
Hello ask ko lang po Sir, what if po on-going ako nagbabayad ng mga unpaid cc ko now nakapayment arrangement kasi ako monthly at this time (6months deliquent na forward na sa mga CA pero nakipagpayment arrangement nalang ako). Advisable po ba na kumuha na ako ng Secured credit card sa ibank banks while I'm still paying po ung mga deliquent cc ko?
Honestly, no. Pay your debts first before getting another credit card. kahit secured cc pa yan.
Sir good day po. Paano malalaman po kung legit po ung law firm na nag ooffer sayo ng sobrang baba na amount para lang ma settle ung balance mo sa credit card.
Hi Jamel! Best to contact your bank to verify if they are an official collecting agency partner. hope this helps!
Can i buy a house or car despite having a bad credit history?
Hi! You can still apply for a housing loan or auto loan despite having a bad credit history; however, the odds are not in your favor. But if ever you'd be approved, it might have a higher interest. Check out my credit playlist for more info: th-cam.com/video/fSfD2AeqgGY/w-d-xo.html
Thanks! :)
@@osheanlee wow thank you sa quick reply. I relate to your story a lot especially yung sa credit card debt 😅 i am binging all your vids. Madali lang explanation mo kasi. Haha thank you!
@@RoroRoseD Thank you for watching also!
Maka apply pa Kaya ng secured cc even Me delinquent account with other banks? Hope mapansin. Ty
Pwede naman, pero not sure lang sa approval.
pwede po kaya kumuha ng SCC kahit nagbabayad pa ng unpaid credit card?
Depende po sa bank. But I recommend na wag na muna kumuha. Tapusin muna ang bayad. :)
Hello just wanna ask po .
kasi may cancelled credit card ako sa bpi so far na settled ko na din po posible po ba makapag apply ulit ng new credit card sa bpi or other banks po ? thankyou so much po
Pwede naman but no assurance of getting approved
Paano po mag apply ng cc sa security bank
Hi Jay-ar! You can check out my link if you want to apply for a Security Bank Credit Card: bit.ly/osheanxsbc
Hi po. After nyo po mag open ng savings acct sa SB, magkano po ang monthly deposit nyo po? Nagwiwithdraw po kayo ng money nyo sa acct na yun or hnd nyo po ginagalaw ung account? Nag apply po kayo ng credit card sa knila after 1 yr or sila po mismo yung kusang nagbigay ng cc? Sana masagot po lahat. Salamat po ng marami. 😊
UP. same question po. Sana masagot :-)
sir paano ka nkipag negotiate na from 500 k to 164 nlng ung bbyrn mo same case din tyo pinbbyrn nilskin 13 k plus for 5 yrs ang lki kc dko kyng byrn foor monthly
Hi Amy! Bale yung account ko was transferred to a collection agency. so yung 64k is yung interest. yung collection agency na mismo yung nangulit sakin.
@@osheanlee ung 500 k ngdown to 164 then nging 100 nlng inlis ung 64 n interest ble ilng yrs k pingbyad at how much
Hello sir sana mapansin mo po at nababasa, ask lang po sana may first credit card is bpi pre approved lang yun d ako nag apply tapos ilang months na approved ako sa pnb zelo which is no annual fee and na realized ko ang value ng no annual fee n cc at mag apply sana sana ako ng citi simplicity na no annual din para pares sila ni pnb zelo ang tanong po may bad record po b yun kung e cancel ko n si first bpi ko wala nasa ako balak gamitin yun kc may annual, pero wala nman po akong balance , mag kka problem po b ako in the future noon when applying loans someday?
Para maging permanent credit card ko po sana yung 2 no annual fee no late no overlimit zero less fees kung baga Sana po mabasa nyo thank you
Hindi siya bad record so feel free to cancel your bpi. basta itawag mo lang :)
Will the SSS Salary Loan na hindi nabayaran for 4 years affect our credit score?
Hi Maxie! Afaik hindi. :) This is just an intelligent guess so take it with a grain of salt. Kasi SSS is a government-owned corporation. Since SSS is a mandated contribution for all income-earners, the money that is pooled in SSS is technically "people's money" -- unlike from banks na the money is owned by corporations. So it wouldn't make sense if SSS would report people to CIC that their members are not paying their loans since parang "umutang (niluluto) ka sa sarili mong mantika". Parang ganun. Thanks!
@@osheanlee thanks for the insights..
alam mo nka dikit na sa tenga ko yung speaker ko pero ang hina parin ng boses mo , bumili ka ng bagong mic using your cc ok
Paumanhin po kung ganyan po ang audio quality ng aking video. Kasisimula ko lang po sa aking youtube channel nung ginawa ko po itong video na ito at ito po yung panahon na natututo pa lang po ako at isang mangmang, pero maraming salamat pa rin po sa iyong mungkahi, at mairerekomenda ko po na panoorin ang aking mga mas bagong videos at mas okay na po ang audio nito ok 🙂
Okay naman yung audio nya. Gamit ka nalang ng earphones, kung wala bili ka ng earphones ok.
Credit? Most Filipinos in the Philippines are unbanked. In the southern Philippines, it's cash only and if you own gold and silver even better. You must live in Manila LOL.
ang hina ng audio0 mo po