BPI! They issued my first credit card back when I had my first job in 2017. It was also a secured credit. I applied for a regular credit card a year after but they rejected it. Hahaha. Pero after sometime nag offer din sila ng Gold when they saw my bank account na nagkakalaman na. 😆😆😆 Stick to one bank lang talaga muna guys. It pays to be faithful. 😆😆
Security Bank! @7:07 true. My 1st cc was issued by Security Bank without asking me to send/show income docs and other requirements. They gave a decent credit limit. On average, I was able to utilize 10% lng ng credit limit ko. Careful lng not to spend too much. Bias ko because unlike other banks few lang ang clients hehe as if your a preferred/vip client like in other banks. you don't need to queue :) Hi Jax. If its okay, share mo pls your experience as BPI preferred client as well as your BPI signature card. Worth it ba? What are the perks of being BPI preferred based po sa experience nyo? And, any update sa metrobank cc application nyo po?
RCBC yung pinakauna kong PH credit card. Sya lang nagtiwala sa akin. Way back 2007 when I returned to MNL to join a local airline, 1st job ko yun sa PH kumbaga yun ang mga una kong income lang kung financial document ang pag uusapan. Apply ako ng apply ng credit cards deny naman ng deny ang banks. 2010 I tried yung sa kiosk ng RCBC sa Landmark Makati. I applied Sunday, I got the card the following Friday, no CI. Back then I never heard of Secured CC. Kaya it took me 3 years magka CC. 4X ata ako nag try iba ibang banks. Since then nabuild na ang credit history ko dahil kay RCBC.❤️ Ang dami ko pang nakain na mga libreng Yoshinoya dahil sa mga promos ni RCBC.😅 Thanks for this video. Pag napanood ng mga frustrated na kagaya ko dati, makakatulong talaga to.
Wow Thanks for sharing sir Dennis! I super agree with the kiosk sa RCBC same tayo thats where I got my first RCBC credit card talaga! :) In fair sa daming yashinoya ang sarap!!! Pero totoo dati talaga di pinaguusapan ang secured credit card way bag talagang credit card lang hehe
walang masama sa secured credit card, lalo kung wala kang credit history it's your chance to prove na kaya mo maghandle ng credit and good payer ka. i got a secured credit card kasi i always used to pay cash kahit nung bumili kami ng sasakyan edit: typo
Nice vlog Jax, Dati lagi denied ung cc application ko, so nagdecide ako mag open Ng secured credit card and used it responsibly in 10months. That lead me to three regular credit card from Citi, bpi, and rcbc in 5 months. The best talaga ung magopen ako Ng secured credit card. Ngaun Isa sa pinakapowerful tools a credit card sa wallet ko. I got rcbc and bpi becoz of your vlog. Thanks
Hi! For BPI, it's now at 35k and for Metrobank it's 25k. For Security Bank, it's also 25k. Banks that offer a minimum of 10k as the holdout amount, RCBC and PNB. 😊
Bdo secured credit card, nakuha ko lang this week! Ang tagal 2months, dec last week ako nagapply, narelease ng lastweek january, 3 weeks in transit,haha Atleast meron na ako, 27k limit, need to be wise using it.. on time dapat ang bayad at wag masanay sa mga unnecessary things tlga, porke may card na swipe lang ng swipe😆😆 Thank you sa mga videos!! Dami nakuhang ideas!
If you do not have the necessary requirements for regular credit card like ITR, Pay slip, COE, and the likes, then secured credit card is the solution for you to experience having credit cards. At the same time, you are building a credit history, make it a good one so you could have a good credit score. Hopefully in the future, the banks would have a reference for your credit history that they could use as their basis if you ever apply for a regular credit card OR IF your bank had decided to offer you a regular credit card.
@@uwumarii In my case before, it was not necessary because they only asked for 1 government ID. Though I have my TIN, I've provided the number in my application. BTW, I've heard that it is easier to get TIN these days through online.
Medyo late lang ako but yung SCC is from BPI. I opened last Mar 2021 and 10k yung ideposit but I decided to make it 15k. They gave me 90% for the credit limit. Iho-hold daw for a year then gawin regular CC. Pwede mo dagdagan credit limit mo by adding dun sa diniposit mo. By the end of 1 year, kung ilan yung total na diniposit mo, yun yung magiging credit limit mo for the regular CC.
UPDATE: hindi naging regular credit card yung SCC ko. Mali yung explaination nung nasa branch at ng customer service nila. Sabi need ko talaga i-cut yung card para makuha yung money. I have no choice but to end it since sayang yung money kasi di naman nag g-grow then may ibang CC naman ako that has a higher credit limit.
because of your vlog i was able to get my new security bank secured gold mastercard and im lovin it,,,, waiting for my BDO secured card na din .. thank you more power!
Daming extra ha haha. Pero same planning to apply for a secured cc in sec bank probably gold. I have ccs from ew , bpi and rbc all are regular ccs but im currently obsessed about collecting cards and I want to have sec bank and metro but It’s kinda hard to penetrate these banks since Im am a freelancer now. Im just curious if I can convert it to a regular cc after 6 months . 1 year is just too much for me tbh.
I love pnb automatic approved i opened savings with cc 80% cl .i received my cc after 2weeks mabuhay miles pa.nagask ako sa bdo di nila alam un secured cc kaya ngend ako sa pnb
I started with Security Bank Secured Credit Card with holdout deposit of 20k with credit limit of 16k 5 years ago.... and now full pledge credit cards holder na hehehe sayang ang deposit ehhh
so basically yung credit score mo or credit limit mo magvavary dun sa cash hold out mo? Kumbaga wala kang need 14:54 ibuild na credit limit kase nga babase sila sa cash mo? Tama ba? Pls sana may makasagot
from experience, don't get secured credit card from security bank. you can't choose which credit card ang ibibigay sayo, they'll give next mastercard no annual fee kaso walang reward points they also automatically convert purchases above P5k to installment with interest. the best rcbc and bpi for me heheh ^^
@@klausako7764 25k po since checking acc inopen ko yun din yung maintaining balance, nung nagapply ako for fast-track(secured nila) namimili ako ng card, ang sabi automatic daw na ibibigay nila yung bagong product nila which was next titanium
Mahirap yang titanium nila pag yun lang cc mo..yung technique ko dyan sa titanium para d mag auto installment hangang 4900 lng pinapaswipe ko pero pag kumuha ako ng item above 5k at ayaw ko pa installment sinasabihan ko ang cashier na idivide yung item basta kada swipe is 4900..like pag nag grocery ako hinahati ko yung amount..but i dont usually use the titanium pag emergency lng..i have my classic security cc..pinapawaive ko din ang annual ijust need to spend a certain amount to waive the annual. 😀😀😀
@@klausako7764 sa true lang pagnaka one year siguro papalipat ako ng rewards cc nila, pero it was helpfull sa pagkuha ko ng 1st regular cc ko sa bpi ^^
I got myself a scc too. I guess the good part din aside from the cc itself is the fact na di ko magalaw yung money na nasa bank kasi naka-hold out nga. Hahaha. Hopefully after a year, maconvert siya to a regular cc. Btw, convenient mag-apply sa BPI kasi di ko na siya pina-notarize. Nagfill out lang ng form then intay na for delivery.
Hi AD! Naku I wish you get it too. Pero feel ko makukuha mo yan! Just make sure you make timely payments!! In fair sa no need to notarize, yung iba kasi need. Baka sa BPI meron sila own notary public nila so sila na magaayos nun hehe
I really appreciate your content po! I wish you can also tackle on supplementary credit cards po so others who wish to extend their credit card to others can be informed. 😀
Mine Robinsons Bank Dos SCC twice babayaran ang utang😁for credit credibility lng atleast may record for good payor😊ano kaya mas maganda na banko next po.gusto kumuha another SCC.
I applied for RCBC secured credit card online. I do not have an account with them and I was not asked to deposit the hold out amount. I just tried applying online and upload the documents they require and luckily I got approved. One thing I like about the RCBC secured card is that I can easily apply installments on my purchases thru their mobile app.
Update: Received a text message from RCBC that my credit limit got an increase and I'm not even applying for a credit increase. My card is barely 6 months old. I am now considering opening a savings account with them if this continues. 😀
This video is very timely and helpful! I am planning to get a scc too! I just turned 18 and I want to build my credit score as early as now. Do I need to have an existing account in the bank that I am going to apply a scc? Or is it not needed?
Hi, is it possible to upgrade it into a regular cc after a year? Rather than to close secured cc that is with you for a year? .. It would lead you back to zero kc if hindi pwede mg upgrade ng regular cc and sayang..
Pwede raw but again it depends kasi person to person. Yung ibang banks pwede na yung iba kahit ilang years daw paminsan di iaapprove so make sure you make timely payments.
Do you recommend po ba to apply secured CC pra lang makuha mo ung world o platinum nila pero u have a good credit score at may mga existing cards ka with good standing.
Makakatulong po ba ang secured cc to rebuild ur credit record.? Gaanu ktagal bgo mrebuild ang credit.?.. Puede n po b ulit mg apply ng normal/unsecured cc once mganda nmn ang pagbabayad ng secured cc.?
Hi kuya! Magagamit mo ba agad yung CC for installment pagnakuha mo na? And if mag purchase po worth (50k) item using installment (for example 12mons.) but yung holdout amount mo lang is 35k pwede po ba yun? Thanks!
Last month ako nakakuha ng first (secured) CC ko from BPI. Nung tumawag ako sa hotline, kapag daw secured CC hindi daw pwede tru hotline mag request ng increase ng CL, kailangan sa banko. So iniisip ko baka kada request ko mag-fifill n naman ako ng new form (malalaman ko next month hehe). At naitanong ko sa branch kung pano magiging regular CC ang card ko at ang sabi kapag once daw na may maipresent nako n requirements like ITR. Pero di ko naitanong kung papalitan ba nila ung card? Tanong ko din na din next month pagnagpa increase ako. Sana iconsider naman nila pag good payer after years baka pwede n maging regular. Medyo hassle eh ung pupunta pa ng banko pra magpaincrease :)
@@arielcaporal3645 35k ang holdout amount, 31k ang credit limit ko. Sa Security bank daw after 1 year, gagawin ng regular. At ganun din sa Metrobank pag good payer . Di ko pa alam sa BPI.
@@laniedelpilar9086 Yes, nabalik sa akin. nag request ako sa banko na gawing regular na ang credit card ko. Nag pasa ako ng COE at payslip kaya naaprubahan. Ayun after 1 week na maaprubhan, cut off ng SOA ko nag auto increase agad ang CL ko.
Question, when you purchase using secured credit card, may point of sales ba ‘yung mga items? Like for example, you only have 25K or equivalent to 22.5K na credit limit tapos bibilhin mong gadget is worth 20K. Pwede mo ba magamit ang secured CC mo sa ganun kalaki agad?
@@JaxReyes_ nagma-matter pala kung anong bank ng credit card ang pipiliin mo. Like I am planning for secured credit card ng RCBC because of 95% credit limit of hold amount and 100% approval. Pero I checked sa stores and may allowed credit cards lang pala sila na tinatanggap. Most of the time BDO and RCBC IS quite rare. What can you say about that?
Hi po, ask ko lang what would happen sa hold out mo if ever na di mo nabayaran yung balance mo? Mababawasan din po ba credit limit mo? Need po ba ng ideposit ulit yung dinebit nilang amount sa hold out amount mo?
Hello po, tanong ko lang ung mga secured credit ba parehas lng ng mga features ng mga regular cc? Tulad ng mga instalment sip credit to cash? Saka po kung may annual fee ba ang secured credit card?
Hi Jax! New subscriber here. I love the way you vlog, its very entertaining, di ka aantukin panoorin. BTW i just have a question. I have Gcash and they offered me a 10k Gcredit and aside from that ung CIMB Bank if u are familiar they are partner kasi, i got approve in CIMB personal loan for 30k .ask ko lang if may impact ba sa Credit score ko ung mga yun? Do they also send reports to Credit Bureau?
Gcash and CIMB are good partners, sila kaagabay ko nung nagpapataas ako ng credit score, yes they are sending reports, lahat ng credits actually. Recommend ko sayo yung CIMB Revi credit, virtual credit card siya but you can withdraw as cash yung 70%
I've been following you on tiktok and minsan nanunuod ako ng live mo kaso everytime na may itatanong sana ako dami ko pala kalaban haha and so sana dito mapansin. Upon searching online, nalalaman pala ng ibang banks, specifically sa transunion na secured credit card ang ginamit mong reference card, taliwas sa sinabi ng member rin ng KasKasan Buddies na nag-work before sa credit bureau sa USA na di malalaman ng ibang banks na SCC ang meron ka. My question is, do you think banks have some kind of prejudice or biases against SCC when you use it as a reference card when applying for their credit cards? Most always say na BPI is a good reference card, but does this hold true sa mga SCC? Feel ko kasi parang medyo maliit ang tingin kapag SCC eh hehe
Hi. Netong nov. 14 po nag apply ako ng SCC. Nabawasan po ng 30k yung savings acc. ko po. Pero hindi po nag email sakin c bpi. Hindi po ako na inform sa hold out deposit,. 1st time ko po kasi. Kaya medyo nalito po ako.
Continue parin po ba yung hold out sir. Kahit ilang taon na gumagamit ng credit card? May nabasa po kasi ako na release dw po yung hold out nya after 4months.
Youre right, I-experience mo muna by going to the bank mismo, feel it kung feel mo lol.I personally like BDO, pleasant naman mga tellers (maybe because kilala na nila ako lol). Metrobank, naka open ako ng savings and credit card without going to the branch lol. Lahat pinadala ng nagassist sa akin,free of charge and ang bilis hahaha. Security Bank, ughhh I hate them. Yuck talaga sila lol..
Hahhaha oo pag super ok talaga yung bank and may kilala ka they will do wonders diba? Ganun din si AUB sa akin. Security Bank nakakainis talaga yun whahahah lol char
@@JaxReyes_ although nakilala ko na lang dun hahaah kasi before lage ako tambay ng bdo lol.. wala pa ako experience kay AUB maliban sa unli decline sila sa akin for cc. NEVER EVER SA SB LOL
Nice content again lodi! 😊 may fren ako nag apply ng secured card with bpi last 2017 due to bad credit history as he defaulted in 3 major credit cards. However, when he was approved for bpi secured credit card, he always paid in full and on time. When it was his 3yr of having such secured credit card, he requested for a release ng hold out deposit and retention ng card meaning to have it convered into a regular credit card, bpi asked him to procide income docs and binigay naman na nya but to his surprise nadeclined yung request nya. Akala nya by having a secured credit card na fixed na nya yung bad credit history pero bakit kaya ganun nadeclined pa rin sya ni bpi for the card conversion kahit may record na sya he is paying in full and on time. Sana makashare ka ng thoughts mo regarding this lodi 😊❤️
Alam mo feel ko kasi talagang ganun yung banks if nakapag default ka na and medyo marami kasi yung default pala na cards so medyo high risk yung friend mo na yun. So baka need to build and build credit muna for now up until maging ok na. Try with other banks din muna kasi si BPI based on my experience super strict talaga.
I inquired sa BPI recently about getting a secured credit card from them and then converting it to a regular card later on at ang sabi nila ay hindi nila kinoconsider yung credit na nabuild through secured credit card para makakuha ng regular card. Dadaan pa rin sa usual process na magpapasa ng income documents at credit investigation. Muntik na akong kumuha ng secured credit card sa kanila for that purpose. Sa ibang bank nalang ako susubok.
sa SCC po ba kung ano credit score mo ma-implement siya sa Regular credit card pag nag avail kana? like ex. 50% rating ng credit score mo sa SCC, so pagkuha mo ng Regular Credit, ganun na din siya? same sa points? Planning ko po kumuha eh, student po ako. salamat po
@@JaxReyes_ hello, can i purchase a higher than my limit for real 0% interest rate for SIP, ? Example my limit 10k aNd i will purchase an appliance worth 15k , 6months installment.
Pero bakit po sakin , as per PNB after a yr they can release my money and retain my cc. As long as good payer sabi ng branch na pinagapplyan ko ngsecured cc
good day po ask ko lng po pag po b my bad record kn sa credit card tapos po ng apply k ng secured credit card pwede po b gamitin un pag nag apply k ng unsecured credit card salamat po
Hi, just wanna ask if it's true that BPI and PNB offers credit cards (as part of a promo, etc...) with PRC id only as requirements? Thanks in advance for the info! :)
Hi Jax, do you have an idea if We can request to change the credit card type from our bank? Got pre approved from BPI but I mistakenly chose the wrong type instead of amore. :)
May I ask po if I can apply for Iphone installment sa PowerMac using secured credit card? Does it work like a regular credit card? Or is there a descrimination?
Hello po, d ko po alam if intended po to or hindi, pro nag apply po ako ng Secured Credit card kasi wla pa ako history ng Credits, then collateral ko po is 10k then na approve po, shock nalang po ako na pag received ko sa card is 50k ung credit limit, may idea po ba kayo if ok lng po ba yan. Baka kasi ma charge ako sa savings account na 50k diin.
Wow not bad a! Baka naman credit card yung na issue sa iyo? Yung 10k ba binigay ko sa bank mismo when you applied? Kasi bawal sila mag kaltas lang ng more than that sa account mo na walang pahintulot :)
@@JaxReyes_ Hi, D ko dn po alam if regular cc yun, I guess wla po pinagkaiba ung hitsura ng normal to secured CC kaya nde ko malaman if regular ba or hende. Bale sa branch po ako ng apply, nag sign nung sinasbi mong deed of assignment and at the next day nabawasan po ng 10k ung savings account ko then may tumawag na agent from Bank, na approve din nmn then expect ko tlga below 10k ung limit, pang bills ko lng sana para ma transaction. But then the moment it was delivered, naka indicate po sa envelope with info na Credit limit is 50k. Syempre inenroll ko sa online banking para masure and tama po ung limit, 50k din po mag appear sa account. Salamat po sa information.
@@josephramos722 RCBC bankard po.. update: it was a regular card after all, and ung original secured credit card application ko po was declined (ironic na 100% guaranteed ung scc).. tinawag ko po sa cs and they confirmed it, so kinuha ko na ung 10k collateral sa declined application and until now Active ung regular cc ko with the same 50k limit..
@@JaxReyes_ Binayaran kona po siya then may “pay now” pa din sa may statement balane, then yung binayaran ko sa statement balance, napunta po sa may outstanding balance. 🥲
While waiting.... Ano ano ba mga need na gawin para sa safety ng cards? Para iwas manakawan ng info and money. I read about RFID cases, don't if necessary siya.
Thoughts on the best USD savings account? Yung di masyado madami fees? PS. I got a BPI Secured cc 😬 so far so good. Hope I can cancel the annual fees lol
what can you say about pnb credit cards? i feel like you rarely talk about pnb, gusto ko sana mag-start ng SCC sa kanila since may savings account na ako dyan so that i can go cashless na as a student and diretso convert na sana to regular cc ka graduate ng college. However, mukhang mahirap ata mag-cashless using pnb dahil wala masyadong partner merchants? Do common establishments like jollibee and such accepts pnb cc? thanks...
Hello po! I tried applying for unsecured credit cards for my first credit card kaya po disapproved. Ilang months po uli bago ako pwede mag-apply for a secured credit card?
Called the hotline reg this kc declined din ako last month lng then when I asked if kailan ako pwede mag apply for secured credit card ang sabi anytime daw basta secured cc pero if reg cc need after 6 mos. Kaya nkpag apply ako kahapon lang and naprocessed naman po. Waiting nlang na maideliver na ung card.
Guys! Walang halos echos! What’s your bank BIAS???????? ❤️
BPI! They issued my first credit card back when I had my first job in 2017. It was also a secured credit. I applied for a regular credit card a year after but they rejected it. Hahaha. Pero after sometime nag offer din sila ng Gold when they saw my bank account na nagkakalaman na. 😆😆😆 Stick to one bank lang talaga muna guys. It pays to be faithful. 😆😆
@@offdutycovers ❤️❤️❤️ thanks for sharing off duty covers!!
Security Bank! @7:07 true. My 1st cc was issued by Security Bank without asking me to send/show income docs and other requirements. They gave a decent credit limit. On average, I was able to utilize 10% lng ng credit limit ko. Careful lng not to spend too much. Bias ko because unlike other banks few lang ang clients hehe as if your a preferred/vip client like in other banks. you don't need to queue :)
Hi Jax. If its okay, share mo pls your experience as BPI preferred client as well as your BPI signature card. Worth it ba? What are the perks of being BPI preferred based po sa experience nyo? And, any update sa metrobank cc application nyo po?
CIMB & ING 😬
BPI! ❤️
this is the best vlog so far about CC and Secured Credit card. real talk si ate niyo. I like you a lot
awww thank you po!
RCBC yung pinakauna kong PH credit card. Sya lang nagtiwala sa akin. Way back 2007 when I returned to MNL to join a local airline, 1st job ko yun sa PH kumbaga yun ang mga una kong income lang kung financial document ang pag uusapan. Apply ako ng apply ng credit cards deny naman ng deny ang banks. 2010 I tried yung sa kiosk ng RCBC sa Landmark Makati. I applied Sunday, I got the card the following Friday, no CI. Back then I never heard of Secured CC. Kaya it took me 3 years magka CC. 4X ata ako nag try iba ibang banks. Since then nabuild na ang credit history ko dahil kay RCBC.❤️ Ang dami ko pang nakain na mga libreng Yoshinoya dahil sa mga promos ni RCBC.😅
Thanks for this video. Pag napanood ng mga frustrated na kagaya ko dati, makakatulong talaga to.
Wow Thanks for sharing sir Dennis! I super agree with the kiosk sa RCBC same tayo thats where I got my first RCBC credit card talaga! :)
In fair sa daming yashinoya ang sarap!!! Pero totoo dati talaga di pinaguusapan ang secured credit card way bag talagang credit card lang hehe
walang masama sa secured credit card, lalo kung wala kang credit history it's your chance to prove na kaya mo maghandle ng credit and good payer ka. i got a secured credit card kasi i always used to pay cash kahit nung bumili kami ng sasakyan
edit: typo
Naku great job! Oo tama yan sayang points whahahaha!
Thanks for sharing JC!
Nice vlog Jax,
Dati lagi denied ung cc application ko, so nagdecide ako mag open Ng secured credit card and used it responsibly in 10months. That lead me to three regular credit card from Citi, bpi, and rcbc in 5 months. The best talaga ung magopen ako Ng secured credit card. Ngaun Isa sa pinakapowerful tools a credit card sa wallet ko. I got rcbc and bpi becoz of your vlog. Thanks
yey!! congrats po!!!
Hello po how many months po i hohold ni bank ang collateral na cash po even after na mabayran si credit card?
Hi! Did BPI automatically upgrade your secured CC to regular CC? If so, is there a fee? Thank you!
Hi! For BPI, it's now at 35k and for Metrobank it's 25k. For Security Bank, it's also 25k. Banks that offer a minimum of 10k as the holdout amount, RCBC and PNB. 😊
I personally went to the bank to verify the info stated above bc I'm planning to get a secured credit card soon.
Thanks Sophia! My gosh pag 35k and 25k wag na get a credit card nalang!!
Grabe 10k lang nung kapanahunan ko sa BPI yung express start.
@@derekyuree1563 i know oa yung 35k ano yun?
Go for BDO
Bdo secured credit card, nakuha ko lang this week! Ang tagal 2months, dec last week ako nagapply, narelease ng lastweek january, 3 weeks in transit,haha
Atleast meron na ako, 27k limit, need to be wise using it.. on time dapat ang bayad at wag masanay sa mga unnecessary things tlga, porke may card na swipe lang ng swipe😆😆
Thank you sa mga videos!! Dami nakuhang ideas!
KOREK ka michelle!!!
If you do not have the necessary requirements for regular credit card like ITR, Pay slip, COE, and the likes, then secured credit card is the solution for you to experience having credit cards. At the same time, you are building a credit history, make it a good one so you could have a good credit score. Hopefully in the future, the banks would have a reference for your credit history that they could use as their basis if you ever apply for a regular credit card OR IF your bank had decided to offer you a regular credit card.
Kailangan din po ba ng tin?
@@uwumarii In my case before, it was not necessary because they only asked for 1 government ID. Though I have my TIN, I've provided the number in my application. BTW, I've heard that it is easier to get TIN these days through online.
Thank you so much! My friend introduced you and now I am watching all of your videos.
aww thank you! ty to your friend too!!
i like how you make it informative yet entertaining.
awww thank you keru!! :)
I just saw this video while scrolling in google image of a credit card, This one really helpful why not too many like huhu
Aww welcome! :)
Medyo late lang ako but yung SCC is from BPI. I opened last Mar 2021 and 10k yung ideposit but I decided to make it 15k. They gave me 90% for the credit limit. Iho-hold daw for a year then gawin regular CC. Pwede mo dagdagan credit limit mo by adding dun sa diniposit mo. By the end of 1 year, kung ilan yung total na diniposit mo, yun yung magiging credit limit mo for the regular CC.
👍🏻👍🏻👍🏻
Thanks for sharing Jude!!
Hi what are the requirements they needed?🙂
@@idee5782 all you need lang is the minimum amount na ideposit; no documents needed like payslip, coe, etc
UPDATE: hindi naging regular credit card yung SCC ko. Mali yung explaination nung nasa branch at ng customer service nila. Sabi need ko talaga i-cut yung card para makuha yung money. I have no choice but to end it since sayang yung money kasi di naman nag g-grow then may ibang CC naman ako that has a higher credit limit.
because of your vlog i was able to get my new security bank secured gold mastercard and im lovin it,,,, waiting for my BDO secured card na din .. thank you more power!
yey!
Daming extra ha haha. Pero same planning to apply for a secured cc in sec bank probably gold. I have ccs from ew , bpi and rbc all are regular ccs but im currently obsessed about collecting cards and I want to have sec bank and metro but It’s kinda hard to penetrate these banks since Im am a freelancer now. Im just curious if I can convert it to a regular cc after 6 months . 1 year is just too much for me tbh.
Finally! A video for secured cc 🥰🥰 ilove
Yas!! Hope you enjoy this vlog!!
very informative with good humor 😁 i would give 5 stars to this content ⭐⭐⭐⭐⭐ TY Jax!
yey! ito talaga yung pinakaaantay kong video! 😁
I hope naging helpful yung video!! :)
@@JaxReyes_ super helpful po, salamuchhhh!
@@aeronx3772 😘😘😘
Na motivate ako dun sa bandang 2 minutes 😂😂
Early for the first time, hehe.
yey Luzvie!! :)
I love pnb automatic approved i opened savings with cc 80% cl .i received my cc after 2weeks mabuhay miles pa.nagask ako sa bdo di nila alam un secured cc kaya ngend ako sa pnb
Love it, thank you for educating about this matter sir. Your such a witty❤❤❤
Aww thanks also for watching Crizel!!!
I started with Security Bank Secured Credit Card with holdout deposit of 20k with credit limit of 16k 5 years ago.... and now full pledge credit cards holder na hehehe sayang ang deposit ehhh
Yes i super agree sayang ang deposit talaga! So tama lang that you converted na to a credit card!! :)
Hi! Automatically inupgrade po ba yung secured CC to regular CC niyo? Or you had to cancel and pay the cancellation fee pa muna ng secured CC?
yun! nahanap ko na rin yung kailangan kong video! 😂 dami ko nang napanood na video mo pero now ko lang to nakita recommended dzai 🤧😍
Ay yey!!
thank you for the effort in putting up this informative vlog, jax!!
Aww thanks too JC! Hope you find it useful!!
so basically yung credit score mo or credit limit mo magvavary dun sa cash hold out mo? Kumbaga wala kang need 14:54 ibuild na credit limit kase nga babase sila sa cash mo? Tama ba? Pls sana may makasagot
Very informative! Aliw ako sa videos mo :)
Awww ty Janine!!! 💕💕💕
from experience, don't get secured credit card from security bank. you can't choose which credit card ang ibibigay sayo, they'll give next mastercard no annual fee kaso walang reward points they also automatically convert purchases above P5k to installment with interest.
the best rcbc and bpi for me heheh ^^
Agree with BPI and RCBC whahha
Huh? Secured card ay ikaw pipili ng card..bat naman titanium binigay sayo? Magkano ba hold amount mo?
@@klausako7764 25k po since checking acc inopen ko yun din yung maintaining balance, nung nagapply ako for fast-track(secured nila) namimili ako ng card, ang sabi automatic daw na ibibigay nila yung bagong product nila which was next titanium
Mahirap yang titanium nila pag yun lang cc mo..yung technique ko dyan sa titanium para d mag auto installment hangang 4900 lng pinapaswipe ko pero pag kumuha ako ng item above 5k at ayaw ko pa installment sinasabihan ko ang cashier na idivide yung item basta kada swipe is 4900..like pag nag grocery ako hinahati ko yung amount..but i dont usually use the titanium pag emergency lng..i have my classic security cc..pinapawaive ko din ang annual ijust need to spend a certain amount to waive the annual. 😀😀😀
@@klausako7764 sa true lang pagnaka one year siguro papalipat ako ng rewards cc nila, pero it was helpfull sa pagkuha ko ng 1st regular cc ko sa bpi ^^
25K ang minimum sa Metrobank. I went there the other day para magapply ng secured credit card.
Thank you Vox! Rates might have changed, need to make an updated vlog na :)
Because of my BPI secured credit card, I got my 2nd and regular credit card from other bank.. so happy na dlwa na cards ko, pay on time Lang tlaga
Oh my yey!! in fair! thanks for sharing Bella!! :)
Magkano po minimum hold for bpi secured cc?
Ilang months po na meron kayo secure CC bago po nakakuha ng CC sa other bank?
I got myself a scc too. I guess the good part din aside from the cc itself is the fact na di ko magalaw yung money na nasa bank kasi naka-hold out nga. Hahaha. Hopefully after a year, maconvert siya to a regular cc.
Btw, convenient mag-apply sa BPI kasi di ko na siya pina-notarize. Nagfill out lang ng form then intay na for delivery.
Hi AD! Naku I wish you get it too. Pero feel ko makukuha mo yan! Just make sure you make timely payments!!
In fair sa no need to notarize, yung iba kasi need. Baka sa BPI meron sila own notary public nila so sila na magaayos nun hehe
@@JaxReyes_ thank youuu yes i make sure talaga to pay on time and follow your other hacks!
Magkano hold out ng BPI ?
@@anneabella1220 30k ata? Around that amount :)
@@AD-fq7zp hi gano po katagal yung delivery ng card once approved? :)
I really appreciate your content po! I wish you can also tackle on supplementary credit cards po so others who wish to extend their credit card to others can be informed. 😀
Ay sige surely Arvin! :) Thanks for the idea!
Mine Robinsons Bank Dos SCC twice babayaran ang utang😁for credit credibility lng atleast may record for good payor😊ano kaya mas maganda na banko next po.gusto kumuha another SCC.
Actually yes si dos yung automatic naka installement din yung mga purchases mo diba :)
Sir ask ko lng po kng mababawi po ba ung pera na collateral once na ayaw ko n po ung secured credit card?
Pak! Very well explained. Just liked and subscribed to your channel.
Thank you!! Salamat!!
Thank you po ! 😊 Ive decided ill go with rcbc
Awww welcome!!
Been looking for this kind of vid. I appreciate it! Kudos!
Welcome!!! 💓
Thanks for this jax I learned a lot.❤
You're welcome!!
Which bank po yung magandang gawing reference na secured cc pag mag aapply na po sa unsecured cc?
BPI you can try po
I so love this content very helpful. More contents to come
Yey!! Thank you John!! Glad you found it helpful!
@@JaxReyes_ you're welcome po
Thank you on this very imformative vlog. 🥰
I applied for RCBC secured credit card online. I do not have an account with them and I was not asked to deposit the hold out amount. I just tried applying online and upload the documents they require and luckily I got approved. One thing I like about the RCBC secured card is that I can easily apply installments on my purchases thru their mobile app.
Yess super agree rcbc has that unli installment na 0 percent for 3 months
Update: Received a text message from RCBC that my credit limit got an increase and I'm not even applying for a credit increase. My card is barely 6 months old. I am now considering opening a savings account with them if this continues. 😀
How ate?
How did it become a secured cc when it doesn't have hold out deposit? Maybe it's a regular cc?
@@tarasajulan1047 true
Thank you very much for this vlog it's very helpful 👏🎉❤️
You're welcome! Glad you found it helpful!!
kapag secured cc pwd ba ko mag installlment sa mga stores like usual cc? kunware laptop na 24 os to pay,? taas kse ng interes ng home ceedi
ideally yes pwede
Thank you so much very informative.
welcome po
This video is very timely and helpful! I am planning to get a scc too! I just turned 18 and I want to build my credit score as early as now. Do I need to have an existing account in the bank that I am going to apply a scc? Or is it not needed?
No need siya if scc :)
But nice to have an account if ever
Magagamit po ba ito sa pag avail ng installment buying?
Pwede basta enough ang cl
What if your want to upgrade it to a real credit card po and close the secured CC? Can you still get your 100% "collateral"
Yes when you close it talaga you will be able to get the hold out or collateral mo basta walang balance a.
Hi, is it possible to upgrade it into a regular cc after a year? Rather than to close secured cc that is with you for a year? .. It would lead you back to zero kc if hindi pwede mg upgrade ng regular cc and sayang..
Pwede raw but again it depends kasi person to person. Yung ibang banks pwede na yung iba kahit ilang years daw paminsan di iaapprove so make sure you make timely payments.
How to increase your credit limit ? Do u need to add more collateral or request for an increase ?
Do you recommend po ba to apply secured CC pra lang makuha mo ung world o platinum nila pero u have a good credit score at may mga existing cards ka with good standing.
Makakatulong po ba ang secured cc to rebuild ur credit record.? Gaanu ktagal bgo mrebuild ang credit.?.. Puede n po b ulit mg apply ng normal/unsecured cc once mganda nmn ang pagbabayad ng secured cc.?
it can help basta good payer ka and wag malalate.
Hi! Would like to ask about what the process of secured credit card cancellation. How does it work?
Hi kuya! Magagamit mo ba agad yung CC for installment pagnakuha mo na?
And if mag purchase po worth (50k) item using installment (for example 12mons.) but yung holdout amount mo lang is 35k pwede po ba yun? Thanks!
yes pwede yan.
no, hindi pwede kasi yung holdout mo is lower than the item you want to buy
Hi Jax, for a secured credit card, will the bank provide a credit limit increase?
Thank you jazz eto talaga hinihintay ko
Welcome!! Hope nakatulong!
Last month ako nakakuha ng first (secured) CC ko from BPI. Nung tumawag ako sa hotline, kapag daw secured CC hindi daw pwede tru hotline mag request ng increase ng CL, kailangan sa banko. So iniisip ko baka kada request ko mag-fifill n naman ako ng new form (malalaman ko next month hehe). At naitanong ko sa branch kung pano magiging regular CC ang card ko at ang sabi kapag once daw na may maipresent nako n requirements like ITR. Pero di ko naitanong kung papalitan ba nila ung card? Tanong ko din na din next month pagnagpa increase ako. Sana iconsider naman nila pag good payer after years baka pwede n maging regular. Medyo hassle eh ung pupunta pa ng banko pra magpaincrease :)
Oo kasi diba when they increase your CL depende yan sa holdout money mo kaya ganun siya na branch talaga
Mgkano ang minimum deposit sa bpi secured credit card?
@@arielcaporal3645 35k ang holdout amount, 31k ang credit limit ko.
Sa Security bank daw after 1 year, gagawin ng regular. At ganun din sa Metrobank
pag good payer . Di ko pa alam sa BPI.
Hello. Yun bang. Hinold sa bpi. Kaya. After 1 yr ba maibabalik. Nba nila yun??
@@laniedelpilar9086 Yes, nabalik sa akin. nag request ako sa banko na gawing regular na ang credit card ko. Nag pasa ako ng COE at payslip kaya naaprubahan. Ayun after 1 week na maaprubhan, cut off ng SOA ko nag auto increase agad ang CL ko.
Question, when you purchase using secured credit card, may point of sales ba ‘yung mga items? Like for example, you only have 25K or equivalent to 22.5K na credit limit tapos bibilhin mong gadget is worth 20K. Pwede mo ba magamit ang secured CC mo sa ganun kalaki agad?
Yes basta dapat kasya and pasok yung item with your credit limit.
@@JaxReyes_ nagma-matter pala kung anong bank ng credit card ang pipiliin mo. Like I am planning for secured credit card ng RCBC because of 95% credit limit of hold amount and 100% approval. Pero I checked sa stores and may allowed credit cards lang pala sila na tinatanggap. Most of the time BDO and RCBC IS quite rare. What can you say about that?
How many months po kaya i ho hold ni bank ang deposits po?even nabayaran na ang credit,
ia secured credit card is also principal card?
Yes tama :) basta ikaw nag apply nung as primary its principal.
how long will you stay as a secured credit card holder? will they convert your card to a regular credit card at some point?
its either upgrade nila automatically or you have to request for it to become acredit card
Hi po, ask ko lang what would happen sa hold out mo if ever na di mo nabayaran yung balance mo? Mababawasan din po ba credit limit mo? Need po ba ng ideposit ulit yung dinebit nilang amount sa hold out amount mo?
yes bawas sa limit mo talaga yun if ever di mo pa bayad yung hold out mo worst case yan kung talagang di ka na nagbayad ever
Hello po, tanong ko lang ung mga secured credit ba parehas lng ng mga features ng mga regular cc? Tulad ng mga instalment sip credit to cash? Saka po kung may annual fee ba ang secured credit card?
yes same lang but credit limit depends on the amount na hold out sa bank.
meron din annual fee
Hi Jax! New subscriber here. I love the way you vlog, its very entertaining, di ka aantukin panoorin. BTW i just have a question. I have Gcash and they offered me a 10k Gcredit and aside from that ung CIMB Bank if u are familiar they are partner kasi, i got approve in CIMB personal loan for 30k .ask ko lang if may impact ba sa Credit score ko ung mga yun? Do they also send reports to Credit Bureau?
ang alam ko a they have their own credit scoring
Gcash and CIMB are good partners, sila kaagabay ko nung nagpapataas ako ng credit score, yes they are sending reports, lahat ng credits actually. Recommend ko sayo yung CIMB Revi credit, virtual credit card siya but you can withdraw as cash yung 70%
I've been following you on tiktok and minsan nanunuod ako ng live mo kaso everytime na may itatanong sana ako dami ko pala kalaban haha and so sana dito mapansin. Upon searching online, nalalaman pala ng ibang banks, specifically sa transunion na secured credit card ang ginamit mong reference card, taliwas sa sinabi ng member rin ng KasKasan Buddies na nag-work before sa credit bureau sa USA na di malalaman ng ibang banks na SCC ang meron ka. My question is, do you think banks have some kind of prejudice or biases against SCC when you use it as a reference card when applying for their credit cards? Most always say na BPI is a good reference card, but does this hold true sa mga SCC? Feel ko kasi parang medyo maliit ang tingin kapag SCC eh hehe
Will I be able to withdraw my colateral balance after transitioning from secured credit card to a unsecured credit card? Thank you!
Yes
ilang buwan po pwede mag apply ng regular cc o totoong cc na after kumuha ng secured cc.. thanks
Thank you so much for your vlogs. I learned a lot from you.
yey!! glad you found them helpful!!
Hi. Netong nov. 14 po nag apply ako ng SCC. Nabawasan po ng 30k yung savings acc. ko po. Pero hindi po nag email sakin c bpi. Hindi po ako na inform sa hold out deposit,. 1st time ko po kasi. Kaya medyo nalito po ako.
secured credit card kasi yan so yung 30k is the hold out tlaaga
Continue parin po ba yung hold out sir. Kahit ilang taon na gumagamit ng credit card? May nabasa po kasi ako na release dw po yung hold out nya after 4months.
What if nag apply ka po ng Secured credit card, pwede agad agad mag apply ng Regular CC sa ibang bank?
you can try but best if mga 6 months
Youre right, I-experience mo muna by going to the bank mismo, feel it kung feel mo lol.I personally like BDO, pleasant naman mga tellers (maybe because kilala na nila ako lol). Metrobank, naka open ako ng savings and credit card without going to the branch lol. Lahat pinadala ng nagassist sa akin,free of charge and ang bilis hahaha. Security Bank, ughhh I hate them. Yuck talaga sila lol..
Hahhaha oo pag super ok talaga yung bank and may kilala ka they will do wonders diba? Ganun din si AUB sa akin. Security Bank nakakainis talaga yun whahahah lol char
@@JaxReyes_ although nakilala ko na lang dun hahaah kasi before lage ako tambay ng bdo lol.. wala pa ako experience kay AUB maliban sa unli decline sila sa akin for cc. NEVER EVER SA SB LOL
Sakin din. Di masyadong mapagbigay ang SB. Bat pa ba ako jan nagbukas😑
Hello Jax, yung SCC ba same functions sa CC? Like maka avail ba installment Appliances?
pwede naman but mas mababa usually limit kasi ng SCC
Idol question? Kahit po ba may unsettled loan ka sa bank hnd nabayaran years ago possible makakuha padin ng scc? Thank you
Nice content again lodi! 😊 may fren ako nag apply ng secured card with bpi last 2017 due to bad credit history as he defaulted in 3 major credit cards. However, when he was approved for bpi secured credit card, he always paid in full and on time. When it was his 3yr of having such secured credit card, he requested for a release ng hold out deposit and retention ng card meaning to have it convered into a regular credit card, bpi asked him to procide income docs and binigay naman na nya but to his surprise nadeclined yung request nya. Akala nya by having a secured credit card na fixed na nya yung bad credit history pero bakit kaya ganun nadeclined pa rin sya ni bpi for the card conversion kahit may record na sya he is paying in full and on time. Sana makashare ka ng thoughts mo regarding this lodi 😊❤️
Alam mo feel ko kasi talagang ganun yung banks if nakapag default ka na and medyo marami kasi yung default pala na cards so medyo high risk yung friend mo na yun. So baka need to build and build credit muna for now up until maging ok na.
Try with other banks din muna kasi si BPI based on my experience super strict talaga.
I agree kaya plan ko e pa close kona talaga been 2 years na tapos hindi naman pian graduate hahaha
I inquired sa BPI recently about getting a secured credit card from them and then converting it to a regular card later on at ang sabi nila ay hindi nila kinoconsider yung credit na nabuild through secured credit card para makakuha ng regular card. Dadaan pa rin sa usual process na magpapasa ng income documents at credit investigation. Muntik na akong kumuha ng secured credit card sa kanila for that purpose. Sa ibang bank nalang ako susubok.
sa SCC po ba kung ano credit score mo ma-implement siya sa Regular credit card pag nag avail kana? like ex. 50% rating ng credit score mo sa SCC, so pagkuha mo ng Regular Credit, ganun na din siya? same sa points? Planning ko po kumuha eh, student po ako. salamat po
iba siya. iba talaga yung SCC and credit card. iba rin points system depending on what card you will get
@@JaxReyes_ Woahhhh, okay okay, salamat po ng marami
Good day, i have a secured cc, i have a 10k limit (example) can i use it or purchase for real 0% interest rate or SIP? Thank you.
Pwede
@@JaxReyes_ hello, can i purchase a higher than my limit for real 0% interest rate for SIP, ? Example my limit 10k aNd i will purchase an appliance worth 15k , 6months installment.
Hindi pinapayagan ng banko lalagpas sa credit limit mo kung masmataas yung price bibilhin mo sa cc sinabihan ako ng bpi nun nag apply ako
pag upgraded na po ang cc pwede na po ba kunin ang holdout amount
yes then iclose mo yung secured cc mo
Pero bakit po sakin , as per PNB after a yr they can release my money and retain my cc. As long as good payer sabi ng branch na pinagapplyan ko ngsecured cc
ok yun if they are offering that :) at maganda yung may time talaga na binigay sa iyo
good day po ask ko lng po pag po b my bad record kn sa credit card tapos po ng apply k ng secured credit card pwede po b gamitin un pag nag apply k ng unsecured credit card
salamat po
pwede naman
Can u apply a secured credit card tapos sa savings nalang nila kunin yong collateral ?
pwede mo irequest that way they can do an internal transfer naman
Hi, just wanna ask if it's true that BPI and PNB offers credit cards (as part of a promo, etc...) with PRC id only as requirements? Thanks in advance for the info! :)
Oh havent seen that sorry
Hi Jax, do you have an idea if We can request to change the credit card type from our bank? Got pre approved from BPI but I mistakenly chose the wrong type instead of amore. :)
ohh usually new application yan if ever thats the case
May I ask po if I can apply for Iphone installment sa PowerMac using secured credit card? Does it work like a regular credit card? Or is there a descrimination?
pwede naman po :) but make sure limit is enough
Pag naupgrade po ba, papalitan nila yung physical card?
you can apply for a normal credit card if ever
Ilang months or years yung hold out deposit sa banko bago nila iconvert to regular cc??
Usually 1 year. :) But depends case to case.
this is also perfect for ofw for instant approval
yes tama!
gaano po katagal nakahold sa bangko un collateral forever na po ba nakafreeze yun if nababayaran mu nmn credit card
Up until you have the secured credit card parang yun yung hinohold nilang money mo. Ibabalik once you cancel the cards. :)
Hi Jax! Can you do like a series on UITFs or investments in general for beginners? Ty!!!!
Hi Dianne! Ang cute nito sige! I can do like investments vlog haha yung mga easy lang para sa mga beginners :)
Hello po, d ko po alam if intended po to or hindi, pro nag apply po ako ng Secured Credit card kasi wla pa ako history ng Credits, then collateral ko po is 10k then na approve po, shock nalang po ako na pag received ko sa card is 50k ung credit limit, may idea po ba kayo if ok lng po ba yan. Baka kasi ma charge ako sa savings account na 50k diin.
Wow not bad a! Baka naman credit card yung na issue sa iyo?
Yung 10k ba binigay ko sa bank mismo when you applied? Kasi bawal sila mag kaltas lang ng more than that sa account mo na walang pahintulot :)
@@JaxReyes_ Hi, D ko dn po alam if regular cc yun, I guess wla po pinagkaiba ung hitsura ng normal to secured CC kaya nde ko malaman if regular ba or hende. Bale sa branch po ako ng apply, nag sign nung sinasbi mong deed of assignment and at the next day nabawasan po ng 10k ung savings account ko then may tumawag na agent from Bank, na approve din nmn then expect ko tlga below 10k ung limit, pang bills ko lng sana para ma transaction. But then the moment it was delivered, naka indicate po sa envelope with info na Credit limit is 50k. Syempre inenroll ko sa online banking para masure and tama po ung limit, 50k din po mag appear sa account.
Salamat po sa information.
Sa anong bank po yun sir?
@@josephramos722 RCBC bankard po..
update: it was a regular card after all, and ung original secured credit card application ko po was declined (ironic na 100% guaranteed ung scc).. tinawag ko po sa cs and they confirmed it, so kinuha ko na ung 10k collateral sa declined application and until now Active ung regular cc ko with the same 50k limit..
❤️❤️❤️
Ano po yung statement balance? Need po ba dapat bayaran yun? ☺️
yun yung balance mo sa buong month and binill ka so you need to pay that in full
@@JaxReyes_ Binayaran kona po siya then may “pay now” pa din sa may statement balane, then yung binayaran ko sa statement balance, napunta po sa may outstanding balance. 🥲
Boss nag increase ba ung secured credit card?
If you add more to the holdout deposit
While waiting.... Ano ano ba mga need na gawin para sa safety ng cards? Para iwas manakawan ng info and money. I read about RFID cases, don't if necessary siya.
Naku ako i dont feel the need for that :(
Basta wag ibibigay details and the OTP
Ohhhhh. If maisipan mo lang po... Pwede gawa ka po vid about pagiingat sa sa credit cards? Hihi.
@@nadie.0 yes pwede!!! Sige sa next
Thoughts on the best USD savings account? Yung di masyado madami fees?
PS. I got a BPI Secured cc 😬 so far so good. Hope I can cancel the annual fees lol
Ako I recommend BDO pa rin kasi may interest sila.
YeY, after sometime have it converted nalang to a CC sa BPI!
May annual fee pa ba ang secured credit card
what can you say about pnb credit cards? i feel like you rarely talk about pnb, gusto ko sana mag-start ng SCC sa kanila since may savings account na ako dyan so that i can go cashless na as a student and diretso convert na sana to regular cc ka graduate ng college. However, mukhang mahirap ata mag-cashless using pnb dahil wala masyadong partner merchants? Do common establishments like jollibee and such accepts pnb cc? thanks...
they will accept naman, but kasi very niche lang yung mga rewards ni PNB cards
Hi po kuya Jax! How long would be the hold out period for the collateral deposit for secured credit card?? Thank you😊
as long as active your SCC mo naka hold yung money na yun
Anyone who have tried both BDO and BPI credit cards, which one for you is better?
Both are good depends lang where you usually use it
kapag ba nag apply ng secured cc, makukuha kagad yung card since 100% approval naman sya? or need to wait pa ng matagal?
Almost 100% siya usually so super super highly likely makukuha mo yan yung card lang iintayin mo pag approved :)!
@@JaxReyes_ once approved ilan weeks bago ibigay yung card?
Hello po! I tried applying for unsecured credit cards for my first credit card kaya po disapproved. Ilang months po uli bago ako pwede mag-apply for a secured credit card?
usually sabi its mga 6 months but pwede naman may apply ka ulit. Wala naman yan written rule
Called the hotline reg this kc declined din ako last month lng then when I asked if kailan ako pwede mag apply for secured credit card ang sabi anytime daw basta secured cc pero if reg cc need after 6 mos. Kaya nkpag apply ako kahapon lang and naprocessed naman po. Waiting nlang na maideliver na ung card.
Forever na ba yung hold?
Nice! Super detailed
😘😘😘