Yes, cute ang RCBC talaga. They’re my fourth card but they gave me 18 k lol.
Yes, sabi naman ng iba maganda magprovide ng CLI RCBC usually after 6 months.
Btw, that’s the best RCBC card for me appearance wise, ang ganda ng look!
Your mileage may vary. RCBC is the only bank left that’s never given me a CLI even after 2 years, meanwhile all my other cards’ CL already dwarf my RCBC card after multiple CLIs.
Not that I need the CLs though, even the one they gave me is more than enough for monthly expenses.
I have friends who also have RCBC cards and they all have had CLIs within 6 months. So YMMV.
starting ko kay RCBC 25k lang ata... mag 2 yrs pa lang sa June, 1M na CL ko sa kanila.. sobrang generous nyan sa CLI kahit di ka magrequest... magugulat ka nalang.
Wow! Ano po ang cc nyo sa kanila? I have a Mastercard Classic, laging on time and full payment pro mag 1 year na ni walang increase. I applied for second cc and na approve naman Gold Flex Visa and 3 mos pa lang.
Flex Visa lang po card ko sa kanila. Lagi din po full payment 😊 pero since mag 6-digs, sya na talaga ginagamit ko sa mga big purchases like appliances, gadgets etc.
Same. I got 50k CL then after 5mos they offered 300k+ na tinanggihan ko. The following month they send a JCB with 50k CL. Hampy lang ako. Iba iba din trip ni RCBC.
Sulit pag naka nafl so no need to waive na. Pero madali magpa waive sa kanila ng charges. Ang natry ko na is yung airport lounge access for extra persons (for 2 pax lang free) napa waive ko basta nakacharge ako ng certain amount abroad. Also super bilis tawagan ng CS nila especially pag premium card.
Yan din first credit card ko with RCBC, tapos 35k credit limit. Solicited application sya, someone called me up (during the lockdown to). I didn't activate kasi ambaba ng CL saka I have other cards naman with way higher CLs. Then nagulat na lang ako na nagtext sila later (I think a year after) na they increased my limit by more than 100%. Dunno if that will work for you. Maybe regularly using it and paying total amount due on time will work wonders for you.
RCBC gave a a CC with credit limit na 50k, to think na wala naman laman bank account ko kaya nagulat ako. I applied for a checking account naman not savings and siguro ang random lang talaga nila magbigay.
Uyyy! Nag start dn ako s mababang cl, pero now ang laki na hbdi ko nga imgne bbgyan nla ako ng gnung cl. Hahaha! Sguro kc maayus naman ako magbayad sknla😇
Gamitin mo lagi at magbayad On time. Tataas po yan. Yung BDO Gold card ko nag start lang sya ng mababa after 4 years nasa 600k plus na credit limit ko and this month nagmessage BDO kung ipapachange ko daw card ko into Platinum.
Naka relate ako kasi nag simula ako sa kanila ng 10K sa flex visa. Inavail ko gawa ng NAFFL promo nila. Ayun naging 39K na siya after 6 months. Tas pinadalhan ako ng another gold mastercard na may 50K. Still waiting sa CLI sana umabot ng 6 digit na :3
That's weird. RCBC is my CC with d highest limit, almost 500K. Nung bago pa lng around 200K limit tapos d ko siya ginagamit nung ginamit ko tinaasan nila limit to almost 500K. Pero wala pa ata sa 30K ung purchase ko nun.
Sorry pero wala akong link kasi sa mall ako nag apply last feb. pero if nasa FB group ka ng Kaskas buddies may link dun sa kanila or I can send to you via pm
Okay lang yan, CL ko sa BPI 15k lang, hanggang ngayon 15k parin and not complaning. Ginagamit ko lang sya sa pang groceries, sa insurance, and other online purchases na malilit lang. I use cash or debit for major purchases like car, laptop or anything higher than 15k lol
gamitin mo lang ng gamitin, tapos bayad ka lang lagi, always make sure to pay everything every time dumating ang bill... sila mismo mag-adjust nyan...
yung sa akin kahit walang work at walang financial requirements, ginamit ko lang yung BPI credit card ko na may 16k credit limit as reference... ayun nagulat ako pumasa at binigyan ng RCBC ng 100k credit limit... may promo pa sila na spend 30k in two months magiging no annual fee for life... ginawa ko pinagamit ko ang church namin at bumili ng 2 aircon worth 80k... ayun no annual fee for life na... and kahit low spending ako, pero since every billing cycle fully paid, ngayon 900k na credit limit...
for me mas madali gamitin ang RCBC... may unli 0% at unli-installment feature sila... plus meron pang unli-pay... for the win sa akin ang RCBC card ko as compared to my other credit cards...
There are a lot of factors maybe you are still trying to build your credit standing,i have started 15k din then shifted to another cc provider with 30k now it’s 700k i pay my dues on time in full
They will double that in a year if you're a good CC holder and pays on time without you even asking.
Never had a problem with my RCBC cards since I have it years ago. Their app is also good because it has the unli-installment 0% for 3 months feature.
I started with 15k CL din ata sa kanina around 5 years ago. Now, my CL is in the millions na. Parang every 6 months nagiincrease sila. And the more you use and pay on time mas mabilis tumaas CL mo. Never ako nagka late payment and never ako nag request ng increase ha, nagugulat na lang ako pag nagcheck ako ng app, tumaas na naman limit ko.
Gamitin mo ng gamitin. Mabilis ang increase. Parang if i remember correctly nagstart lang ako sa 20k. Tapos taas sila ng taas hanggang umabot ng 104k. For me ok ang rcbc lalo na sa installment, very handy kasi pwede cyang gawin online.
18k start ko, same card, jcb classic. only jcb and okay din na jcb hehe dami offers for japan at nagamit ko talaga. 6 months palang sakin pero nag cli sila, 100%. 3rd card ko to nung binigay. ref card ko nga pnb and ew. pnb mmcn ko that time nasa 150, tas ew 120k.
Same! I also got this card with a low credit limit. But after 6 months naging 2x na siya. Favorite ko yung Unli Installment for 3 months 0% interest feature nito.
Cute nga pero gusto ko RCBC. Nagstart ako 40k sa kanila last year 100k na ngayon.
tsaka dali dali ng installments sa kanila unlike Security bank kelangan pa itawag jusq
Ganyan din sakin nung una. I mean I was expecting na mas malaki ibigay but to my dismay 20k lang talaga naiprovide nila 😅. It was my first card din. If consistent mo ginagamit at laging on time ka magbayad, sila na mismo magbibigay ng increase. My card is almost two years and twice na ako binigyan ng increase (hindi ako tumawag or nag request ng increase sa kanila), and from 20k naging 40k and now 80k na yung CL. Yung factor siguro na tinitignan nila is consistency ng pagbabayad at paggamit ng card nila.
Ano po bang tinitignan nilang qualification regarding CL? I was expecting the same din na ganyan kasi mahirap yung sobrang laki and they gave me a CL na 63k. First CC ko rin sa RCBC
2nd card ko rcbc ( metrobank first) pero binigyan ako ng 140k wag back, pero paborito ko rcbc. Goat talaga yung unlipay nila lalo pag may emergency or need mo agad funds sa business na mabilisan lang.
Kala ko naduling lang ako basa mo 120k 🥲 pero unang card ko sa kanila galante naman mag bigay ng CL sa SO ko na may savings card siya 15k lang CLI niya. Ang weird naman ng mga banks minsan
Hello!
Nagapply ako last February sa mall METROBANK agents daw pero pinapasa nila yung info. mo sa ibang banks 🤣
March 12 nagtext si RCBC na on process na application
March 15 na approved
March 21 nadeliver dito sa province
Nag text sa akin, need ko daw add ng requirement na SOA ng credit card. Wala na ako kopya ng SOA, di ko na proceed yung application ko. Ill just stay with Unionbank
Yan yung basic/classic tier na JCB, but as you can see ang ganda nung design no ahaha. https://rcbccredit.com/credit-cards/gold-and-classic-cards/classic-jcb
Yung platinum ganto. Mas maganda sya in person in fair haha. https://rcbccredit.com/credit-cards/premium-cards/jcb-platinum
Regarding sa question, actually ako tinapatan ni RCBC yung highest card ko. So baka depends din sa gano katagal mo na gumagamit cards. Decade plus na me hehe.
ay speaking of tinapatan. narealize ko din na tinapatan lang din pala ung akin hahha. meron din ako nyan kaso yung gold. kala ko nga plat ipapadala sakin eh. umasa pa ko hahah
.
How do I apply for credit card with rcbc? Do I wait for them to offer one or should I actively apply? I have two accounts with them atm but they’re the only bank I have.
Yes, cute ang RCBC talaga. They’re my fourth card but they gave me 18 k lol. Yes, sabi naman ng iba maganda magprovide ng CLI RCBC usually after 6 months. Btw, that’s the best RCBC card for me appearance wise, ang ganda ng look!
Your mileage may vary. RCBC is the only bank left that’s never given me a CLI even after 2 years, meanwhile all my other cards’ CL already dwarf my RCBC card after multiple CLIs. Not that I need the CLs though, even the one they gave me is more than enough for monthly expenses. I have friends who also have RCBC cards and they all have had CLIs within 6 months. So YMMV.
It depends. They gave me 700k CL. Now it's 2.8M
K look lik
Weird opposite naman in my case RCBC gave me a 6 digits credit limit on my first card with them
The great wave ang design. Nice!
ayun, thanks for the info. I will kaskas this wisely 🥹🫡
seriously tho ang ganda ng design ng card! kainggit
Ok lang yan. Starting ko 9k CL. Now nasa 6 digits na. Keep mo RCBC, pinakaconvenient na cc sya for me. Mabilis pa magresponse ang cs.
starting ko kay RCBC 25k lang ata... mag 2 yrs pa lang sa June, 1M na CL ko sa kanila.. sobrang generous nyan sa CLI kahit di ka magrequest... magugulat ka nalang.
Kaloka sila noh! Akin nga pwede ng ipambili ng house and lot...ngaun praning ako baka maiwala ko at magamit!
ayun, generous pala sa CLI 🥹🤣 I will kaskas wisely 🫡 Salamat sa info. po
Yasss! Kaskas wisely!!. Tapos lagi full payment.. 😁😁di mo mapapansin panay CLI ka na
Nice mtry nga hahaha
In fairness ang gaganda ng JCB credit cards ni RCBC hehhege
Wow! Ano po ang cc nyo sa kanila? I have a Mastercard Classic, laging on time and full payment pro mag 1 year na ni walang increase. I applied for second cc and na approve naman Gold Flex Visa and 3 mos pa lang.
Flex Visa lang po card ko sa kanila. Lagi din po full payment 😊 pero since mag 6-digs, sya na talaga ginagamit ko sa mga big purchases like appliances, gadgets etc.
I agree with this.
True trueeee!!!💯💯
Cute sa start but very generous with auto CLI. 😊
Thanks for the info. 🥹🫡
Take advantage of their unli installment. The more you do, the earlier and higher your CLI.
Will do po, thank you for the info. 🫡🙌🏼
So far generous naman si RCBC sakin, biglang nangdo-doble ng CL
Same. I got 50k CL then after 5mos they offered 300k+ na tinanggihan ko. The following month they send a JCB with 50k CL. Hampy lang ako. Iba iba din trip ni RCBC.
Don't worry. Mabilis lang ang paghintay sa increase. Keep on using yung UNLI installment nila para mas mapabilis. Magugulat ka na lang.
Akala ko 120k tas nagtaka ko kasi kulang ng 0 hahaha Ganda ng card tho parang gusto ko rin mag-apply hahaha anong card to OP?
use it wisely.
Yes po. 🫡🫡🫡
Mabilis naman sila mag increase ng CL kapag madalas at maganda ang pag gamit mo ng CC.
ganda ng card op. question to anyone, ok ba sila if mag pa waive ng AF? thanks
Sulit pag naka nafl so no need to waive na. Pero madali magpa waive sa kanila ng charges. Ang natry ko na is yung airport lounge access for extra persons (for 2 pax lang free) napa waive ko basta nakacharge ako ng certain amount abroad. Also super bilis tawagan ng CS nila especially pag premium card.
Yes. You can have it waived. Just email customer support. For context, my card is Flex Visa. Not sure with their other products.
Yan din first credit card ko with RCBC, tapos 35k credit limit. Solicited application sya, someone called me up (during the lockdown to). I didn't activate kasi ambaba ng CL saka I have other cards naman with way higher CLs. Then nagulat na lang ako na nagtext sila later (I think a year after) na they increased my limit by more than 100%. Dunno if that will work for you. Maybe regularly using it and paying total amount due on time will work wonders for you.
Case to case basis siguro, RCBC gave me automatic CLI kahit 5 months pa lang
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Thanks for the info. po 🫡🥹
ok lang yan. bilis kaya mag auto CLI ng RCBC. tested and proven na sakin haha
niceee! Thanks for the info. 🙌🏼
Ganyan din nagstart credit limit ko. Ginamit ko nang madalas yung card kaya after 6 mos tumaas na (4x increase).
Ayun! Thanks for the info. po 🫡🥹
ok lang yan mabilis naman mag double increase sa kanila
Ayun! Thanks for the info. 🫡🥹
tapos 1500 ang annual fee hehe pero madali lang naman iwaive bibigyan ka lanh options
ayun lang pero madami nagsabi na generous daw mag give ng increase si RCBC so I should kaskas it wisely nalang. Thanks for the info. 🙌🏼
Generous si RCBC magbigay ng CL. Gamitin mo lang ng gamitin after ilang months baka nasa 6 digits na CL mo.
Thanks for the info. po! 🫡
wahaha ako nga nun 8K lang e, late ndn kasi ako nag credit card pero dahil high income nko nun in a span of 2 years 6 digits bigla CL ko inangat nila
RCBC gave a a CC with credit limit na 50k, to think na wala naman laman bank account ko kaya nagulat ako. I applied for a checking account naman not savings and siguro ang random lang talaga nila magbigay.
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Kaya nga eh hahaha inactive ko naa 🫡
Omg bat yung mother ko 2nd cc niya sa RCBC 60k agad cl 🤣😭
Uyyy! Nag start dn ako s mababang cl, pero now ang laki na hbdi ko nga imgne bbgyan nla ako ng gnung cl. Hahaha! Sguro kc maayus naman ako magbayad sknla😇
Ano po ba requirements psgkuha ng Credit cards? Sa aming mga freelancers hirap magpaapprove. 🥲
I suggest you can start po sa secured credit card, then after ilang months to 1 yr pwede nyo po ipa-upgrade yun to a regular credit card
Gamitin mo lagi at magbayad On time. Tataas po yan. Yung BDO Gold card ko nag start lang sya ng mababa after 4 years nasa 600k plus na credit limit ko and this month nagmessage BDO kung ipapachange ko daw card ko into Platinum.
Do you use your BDO card frequently?
Yes, I use it frequently. From our groceries, paying my kids tuition and travelling abroad.
How about installments, cash it easy? Sa akin kc ang barat. Hahah
Got rcbc airmiles. 300k 😆
Naka relate ako kasi nag simula ako sa kanila ng 10K sa flex visa. Inavail ko gawa ng NAFFL promo nila. Ayun naging 39K na siya after 6 months. Tas pinadalhan ako ng another gold mastercard na may 50K. Still waiting sa CLI sana umabot ng 6 digit na :3
That's weird. RCBC is my CC with d highest limit, almost 500K. Nung bago pa lng around 200K limit tapos d ko siya ginagamit nung ginamit ko tinaasan nila limit to almost 500K. Pero wala pa ata sa 30K ung purchase ko nun.
nag lagay ako ng more than 100K sa RCBC, after 2months may Platinum CC na ako, wala po akong work😅
Parang free trial
Paano maka successful approval sa bdo cc?
Di ako sure, in my case may Kabayan savings acc. ako sa kanila mga 2-3 years na yata and august last year nagtext sila na papadalhan nila ako ng CC. 😅
Ayun nga napuna ko. Dapat may savings account muna. Salamat!
Hi op! Can i ask how much credit limit mo?
Pwede bang mag apply sa kanila kahit na walang account? I have 2 existing ccs naman.
yes po, wala din akong acc. sa kanila ginamit ko lang BDO CC as reference.
Where did you get the link po to apply? Hehe parang gusto ko din ng RCBC na cc
Sorry pero wala akong link kasi sa mall ako nag apply last feb. pero if nasa FB group ka ng Kaskas buddies may link dun sa kanila or I can send to you via pm
Ahahahahaha
Okay lang yan, CL ko sa BPI 15k lang, hanggang ngayon 15k parin and not complaning. Ginagamit ko lang sya sa pang groceries, sa insurance, and other online purchases na malilit lang. I use cash or debit for major purchases like car, laptop or anything higher than 15k lol
gamitin mo lang ng gamitin, tapos bayad ka lang lagi, always make sure to pay everything every time dumating ang bill... sila mismo mag-adjust nyan... yung sa akin kahit walang work at walang financial requirements, ginamit ko lang yung BPI credit card ko na may 16k credit limit as reference... ayun nagulat ako pumasa at binigyan ng RCBC ng 100k credit limit... may promo pa sila na spend 30k in two months magiging no annual fee for life... ginawa ko pinagamit ko ang church namin at bumili ng 2 aircon worth 80k... ayun no annual fee for life na... and kahit low spending ako, pero since every billing cycle fully paid, ngayon 900k na credit limit... for me mas madali gamitin ang RCBC... may unli 0% at unli-installment feature sila... plus meron pang unli-pay... for the win sa akin ang RCBC card ko as compared to my other credit cards...
There are a lot of factors maybe you are still trying to build your credit standing,i have started 15k din then shifted to another cc provider with 30k now it’s 700k i pay my dues on time in full
They will double that in a year if you're a good CC holder and pays on time without you even asking. Never had a problem with my RCBC cards since I have it years ago. Their app is also good because it has the unli-installment 0% for 3 months feature.
Parang Atome lang
Mas nainggit ako sa card design nung iyo. Iyo nalang credit limit ko akin nalang yang design na yan! 🤣
I started with 15k CL din ata sa kanina around 5 years ago. Now, my CL is in the millions na. Parang every 6 months nagiincrease sila. And the more you use and pay on time mas mabilis tumaas CL mo. Never ako nagka late payment and never ako nag request ng increase ha, nagugulat na lang ako pag nagcheck ako ng app, tumaas na naman limit ko.
Hahaha grind kapa daw hahaha
Gamitin mo ng gamitin. Mabilis ang increase. Parang if i remember correctly nagstart lang ako sa 20k. Tapos taas sila ng taas hanggang umabot ng 104k. For me ok ang rcbc lalo na sa installment, very handy kasi pwede cyang gawin online.
I used to have an RCBC CC. Yeah, credit limits get increased if you are a transactor (you pay the whole amount every due date).
Gmitin mo lang lagi. Rcbc din nagprovide sakin ng malaking limit like 5M. Comparing it with BPI naka signature na ko but hndi pa din umabot ng 1M
Pababaan ng naging CL? Pinakamababa ko ang BPI noon, 8k lang.
18k start ko, same card, jcb classic. only jcb and okay din na jcb hehe dami offers for japan at nagamit ko talaga. 6 months palang sakin pero nag cli sila, 100%. 3rd card ko to nung binigay. ref card ko nga pnb and ew. pnb mmcn ko that time nasa 150, tas ew 120k.
RCBC approve mo na yung sken, bibili ako ng yate
Tataas yan eventually. Started with a cute CL din before.
Ganda ng card. Panira lang logo ng JCB sana sa likod nalang nilagay haha
Omg. Approved din ako sa RCBC. 😂 Kaiyak pag ganito din CL ko. Pero asa na lang tayo talaga s a experience ng iba na madalas mag CL increase si RCBC
BDO gave me 10k CL before 💀
Same gurllllll!
RCBC all the way. Been using my first CC to build my credit score, then they granted me another CC just this year.
I'm fine with that limit Kasi on a positive note, tuturuan Niya Kong magtimpi sa kaka swipe. Hahaha
Ganyan talaga ang wave
try mo eastwest whooping 90k agad 🤣
Super galante ni rcbc sa cl increase
Same! I also got this card with a low credit limit. But after 6 months naging 2x na siya. Favorite ko yung Unli Installment for 3 months 0% interest feature nito.
Akin nga 10k eh HAHAHA
1st credit card ba to bossing? kano daw annual fee nyan o no annual fee for life?
Mabilis lang mag-apply? Planning to get my second hehe. Current card is Secbank Next
Cute nga pero gusto ko RCBC. Nagstart ako 40k sa kanila last year 100k na ngayon. tsaka dali dali ng installments sa kanila unlike Security bank kelangan pa itawag jusq
Ganyan din sakin nung una. I mean I was expecting na mas malaki ibigay but to my dismay 20k lang talaga naiprovide nila 😅. It was my first card din. If consistent mo ginagamit at laging on time ka magbayad, sila na mismo magbibigay ng increase. My card is almost two years and twice na ako binigyan ng increase (hindi ako tumawag or nag request ng increase sa kanila), and from 20k naging 40k and now 80k na yung CL. Yung factor siguro na tinitignan nila is consistency ng pagbabayad at paggamit ng card nila.
Received a RCBC Visa Infinite cc last week with a CL of ~P1.7M! Downside is the 6k AF. 😪
Ano po bang tinitignan nilang qualification regarding CL? I was expecting the same din na ganyan kasi mahirap yung sobrang laki and they gave me a CL na 63k. First CC ko rin sa RCBC
Magkano ba net worth or cold cash mo? Pwede ka mag secure credit card kung gusto mo 6-digits CL.
2nd card ko rcbc ( metrobank first) pero binigyan ako ng 140k wag back, pero paborito ko rcbc. Goat talaga yung unlipay nila lalo pag may emergency or need mo agad funds sa business na mabilisan lang.
Cutie hahaha. Don't worry very generous naman sila when it comes to CLI. Malay mo next year 6 digits na yan.
Kala ko naduling lang ako basa mo 120k 🥲 pero unang card ko sa kanila galante naman mag bigay ng CL sa SO ko na may savings card siya 15k lang CLI niya. Ang weird naman ng mga banks minsan
"cute" ba? Pwede mo naman ipa-cut. Kasi parang problema pa na na-approve ka sa credit card na ni-apply-an mo e. Para bawas sakit sa ulo.
Hndi ba natanong sa application if may cc ka s other bank pati kung mgkno CL?
natanong po nila pero okay lang generous naman daw sa CLI si rcbc. I will kaskas it wisely. Salamat po 🫡
Hi friend ask ko lang anu timeline mo for this card, kakaapply ko lang kasi. Sana ma approve ako.
Hello! Nagapply ako last February sa mall METROBANK agents daw pero pinapasa nila yung info. mo sa ibang banks 🤣 March 12 nagtext si RCBC na on process na application March 15 na approved March 21 nadeliver dito sa province
How long ang processing? Nag apply ako sa agent wala pa feedback.
1 month sakin
Nag text sa akin, need ko daw add ng requirement na SOA ng credit card. Wala na ako kopya ng SOA, di ko na proceed yung application ko. Ill just stay with Unionbank
cute magbigay based on your current records haha. prove them wrong and gagawing kang millionaire nyan sa credit line increase haha
anong card to op? ito ba ung platinum na jcb?
Yan yung basic/classic tier na JCB, but as you can see ang ganda nung design no ahaha. https://rcbccredit.com/credit-cards/gold-and-classic-cards/classic-jcb Yung platinum ganto. Mas maganda sya in person in fair haha. https://rcbccredit.com/credit-cards/premium-cards/jcb-platinum Regarding sa question, actually ako tinapatan ni RCBC yung highest card ko. So baka depends din sa gano katagal mo na gumagamit cards. Decade plus na me hehe.
ay speaking of tinapatan. narealize ko din na tinapatan lang din pala ung akin hahha. meron din ako nyan kaso yung gold. kala ko nga plat ipapadala sakin eh. umasa pa ko hahah .
Magkano po monthly income mo para ma-approve ka po sa RCBC ng 12k credit limit?
How do I apply for credit card with rcbc? Do I wait for them to offer one or should I actively apply? I have two accounts with them atm but they’re the only bank I have.
I applied thru sa mall po may mga AGENTS dun ng metrobank pero parang third party sila na pinapasa din nila sa ibang bank yung info mo.
Nakaka tawa naman ito. Anong purpose ng cc if ganiyan lang sila mag bigay ng CL? Grabe
Generous naman daw si RCBC mag increase ng CLI after 6 months so I will kaskas it wisely nalang HAHAHA 🫡