Paano Ma-approve Ang Credit Card - Part 1 (kahit walang trabaho o business) |

Marami sa atin ang nag a-aspire magkaroon ng Credit Card kasi maraming advantage ang pagkakaroon ng credit card. Pero ang hirap ma approve dahil sa dinami dami ng requierements.
Pero in this video mapapanood nyo kung pano na-approve ang credit card application ko kahit wala akong trabaho o negosyo.
Thank you for watching. Please subscribe and tap the notification bell. Maraming salamat. God bless you!
#PNBCreditCard #EastwestBank
#PNB

[@bicolanazelle]

Thank you..This has helped everyone who wants to get a credit card

[@CriselleMorales]

Thank you so much! Stay safe Bicolana Ako Tavi 😀

[@johnmichaelsamonte387]

@@CriselleMorales... Hello po gusto ko pong mag apply ng East West credit card kaso wala akong account yung salary lang every 15/30 debit card? Ma approved kaya po?

[@CriselleMorales]

@@johnmichaelsamonte387 Meron ka namang trabaho. So you can apply for the Eastwest CC, pero before you apply, kailangan tignan mo muna kung ano yong CC na nababagay sa lifestyle, needs, at fifancial flow mo.

[@michelleadan15]

Ano po requirements pinasa nyo ma’am

[@reignashleyguzman9311]

Maam mu tindahan po aku gusto kupo mg aply ng credit card pwede po kaya

[@imeelatorre8278]

Kung ito magiging teacher ko buong klase makikinig ako sobrang sweet mag discuss hahaha

[@CriselleMorales]

Hi Imee! 🙋 Thank you, thank you😃❤️

[@Candyart1202]

Thanks for sharing malinawn yung explanation nyo and hope ma approved din Ako iingatan ko Yung debit card ko . ❤❤❤

[@CriselleMorales]

Hi Candy. Thank you. Sana ma approve ka.

[@bonifacionavarrofe91]

Thank you so much for your good advice to all credit card holder and planning to apply. Yes it's correct, if we use credit card responsibly it gives us comfortability and convenience. The most important is we have to be very strict when it comes to our purchases. Always spent below your income.

[@CriselleMorales]

Hi Bonifacio! Thank you more! God bless you!

[@angelanimevlog1801]

Maam paano po kung online lang paano ko malaman na disapprove po?

[@CriselleMorales]

Usually pag disapprove hindi na sila sumasagot pag disapprove. At kung approve, may text, email or tawag kang ma receive from the bank.

[@marivictabamo8251]

@@CriselleMorales ma'am pls. Patulong naman po paano mag apply credit card kc dto ako saudi puwede mo po ba ako tulungan ma'am..

[@MissyatHome]

Hello po, good to hear your experience when you got your first cc. Wala rin ako work/business when I got my first cc, may tumawag lng sa kin to inform me na they will issue a cc for me, maybe becoz I’m a loyal shopper in this particular mall and nakikita nila consistent ako thru my loyalty rewards card ( I was surprised upon checking na umabot na ng 1M plus ang worth ng na shopping ko sa kanila ). That was 2014 and nag increase na rin credit limit ko from 5 digits to 6 digits. As of now I have 3 cc , madali na ko na approve maybe becoz of my good credit standing. Sorry medyo mahaba ang comment ko, but I really enjoyed listening to you po., thanks for sharing.

[@CriselleMorales]

Hi Missy!🙋‍♀️ Wow! Wonderful to know that. Nakaka inspire and encourage not only to me but to other subscribers 😀 Thank you for sharing! Stay safe 😊

[@jazmiles1708]

salamat po maam sa info.. i maintain ko din yung good loyalty ko sa psbank pra in the future pwd ako mag apply ng credit card sa kanila..❤

[@AnnInzo-xw2sz]

Daming intro po straight to the point sa caption

[@Tatianaescol]

Sarap nga pakinggan nyong explanation nyo po.. Godbless po ♥️

[@gemini0592]

Ako nman mismong BPI ang nagbigay sa akin ng credit card hindi ako nag apply worth 120k. Wla din akong work pero nakita nila ang savings account ko may laman kada buwan ksi deposit ako money pg nagpapadala ang hubby ko from abroad. Kaya Khit di ka mag apply sila mismo magbibigay sau..

[@CriselleMorales]

Hi Lynn!👋🌸 Thank you for sharing!😊

[@krisangamulo1895]

Ah kaya pala ung bdo pinadalahan dn ako ng credit card khit di ako nag apply

[@markbalondro1418]

Ma'am good day po! Sobrang nakatulong po yung video nyo.. sobrang tagal at dami ko na Pong inaaplayan ng credit card pero ni minsan di po ako na approve..dahil agency lang daw po kami at driver lang po ako...sa totoo lang masyadong nakaka degrade ng tao...sa totoo lang po wala po akong mga utang kahit saang bangko...or ano mang on-line credits pa.. dahil sa video nyo May nakuha po akong lesson.. salamat po.

[@CriselleMorales]

Hi Mark! Thank God that you were inspired at naka kuha ka ng lesson. Yon naman ang purpose ko, yong may maibahagi akong ideas thru my testimonies. God bless you!

[@emeroperario]

Yung sa akin, may savings account na ako sa bpi. Wala akong plano kumuha ng credit card that time. Pero nag-email si bpi sa akin na pre-approved ako for a credit card. Ang kailangan ko lang isubmit ay id lang, wala nang itr & payslip. True enough, may 1st credit card na ako. Bank loyalty is definitely a factor.

[@CriselleMorales]

Congratulations Emer! Yes, you're true. Enjoy the Christmas season. God bless!

[@vee5267]

sanaol

[@CriselleMorales]

@@vee5267 try mo din🙂

[@vee5267]

@@CriselleMorales gusto ko nga po sana, dalawang bank meron akong debit bdo at union bank. Kaso sa Bdo hnd approved e😔

[@CriselleMorales]

Truloy pa din or siguro sa ibang bank. Basis nila yong maganda mong record sa present mong bank. God bless!

[@777ms77]

I love the lessons imparted especially the last part, truly still matters!🤗No plans of getting one not until I’d finished this one😅 Thanks Madame, sincerely!

[@CriselleMorales]

Hi MS. G. Thank you more! 🙂

[@angelmaesuela7391]

Diuov bnh

[@Tingtvph9226]

Maraming salamat idol,sa napakalinaw mong pagbabahagi ng video na ito. Watching from makati city.

[@CriselleMorales]

Thank you more Ting!

[@shirleycanuela8024]

Totoo yan! Need mo talaga ng loyalty sa bank mo. NO NEED NA NGANG MAG APPLY, YUNG BANK NA MISMO MAGBIBIGAY NG CC SAYO!

[@CriselleMorales]

That's right Shirley. Thank you for confirming 😀

[@rojoommakim4767]

I didn't know getting a credit card was hard. 😅 I got mine when I was 18 'cause bdo just called me but I answered it half asleep so I basically just said yes to everything then I got scared but my parents told me that its okay 'cause I didn't submit any requirements then a week later dumating siya tapos Gold pa. Shookt kami. Took a month before activating it but been using it for 4 years na and I have no regrets. I'm thinking of getting a 2nd credit card when I get a job na (inabutan ng lockdown grad tapos nacancel pa yung board exams eh 😔). Anyways I think about dun sa loyalty is very true 'cause I have been with bdo since I was a kid kaya siguro inofferan ako even when I was just 18 kasi I saw that the required age is 21 hahaha. Thank you po! Sharing this to my friends hahahaha.

[@CriselleMorales]

Hi rojoomma kim! It's so nice to know you got yours at a young age. Sana all! Haha 😂 Getting another one will be easier if the bank will see your credit standing from BDO. Thanks for sharing. God bless!

[@christophermalabanan3850]

DUDE, SAME EXPERIENCE HERE! 😂

[@uwumarii]

Rich kid ka siguro kaya inoferan ka?

[@nitzsantillan7464]

Ung last, be responsible. Not because may credit card ka it does not mean may pera ka. Isipin mo lagi n utang un n kailangan mo bayaran.

[@CriselleMorales]

Hi Nits. Yes that's true kaya ko siya mention many times. Thank you. 🙂

[@mikegreen2394]

agree , bpi and bdo normally issued pre-approved credit card as long as maganda ang relationship with them, i stated with bpi pre-approved a year ago and now I got 13 cc from different banks :)

[@CriselleMorales]

mike Green wow! Wonderful😀

[@CriselleMorales]

Hi mike Green! I will be doing another video of this and sana makaoag comment again for Mn others to read and in that maka tulong tayo through the excanging of ideas. Thank you 🙇 And stay safe😀

[@arjayroces9119]

San po ba mkaapply dirct lang Po ba tlga sa banko?

[@eduardoespiritu1110]

Ano pong advantages pag madame kang credit card

[@tassialefevrei9859]

Wla ako balak mag credit card Pero Naaliw ako sayo madam😅😅… Try ko na din haha

[@CriselleMorales]

Hi Tassis🙋‍♀️ Try mo din one card 😀

[@coollits8738]

Ok dto manuod kasi sinasagot yun mga nagtatanung

[@CriselleMorales]

Hi cool! Yes! Thank you at na appreciate mo!😀

[@chonaclamucha547]

Very nicely explained and makikinig ka talaga.

[@CriselleMorales]

Hi Chona! 🙋 Thank you so much! ❤️ Blessed Holiday Season.

[@gerardoabella6474]

share ko ito meron akong account sa isang bangko its a kabayan savings account...bago lang mga mag two two years palang ...one day nakatanggap ako ng tex galing sa bangko na yon na my credit card ako na senend nila sa akin...hindi ako nag apply ng credit card sa kanila....sila na mismo ang nag apply para sa akin...at ngaun hawak ko na ...at napa acctive ko na din...pero hindi ko pa ginagamit ..thank u sa bdo...

[@gerardoabella6474]

natutuwa lang ako kasi hindi ko inisip na mag apply ng credit card pero nagkaroon ako ng walang kahirap hirap...kaya naisipan kong i share dito....ganda ng video nyo.thank u

[@CriselleMorales]

Hi Gerardo!🙋‍♀️Sorry for the late reply! Sometimes, that is the benefit of a good standing with the bank. Yong priviledge of having a CC even w/o applying. Congratulations!😇 Maraming nag a-apply na hindi na a-approve.

[@rochellehernandez8142]

How much po cl binigay sa inyu nun una​@@gerardoabella6474

[@Katecat4334]

Secured credit card madali lang ma approved kahit wala kang work or business Basta may savings ka sa bangkok. Parang hold out deposit ang mangyyari.

[@CriselleMorales]

Hi Katecat! Yes, you are right. Thank you for your.comment!

[@jilljose1419]

Anong bank po

[@lenievelasquez5543]

@@jilljose1419 ako mtry plang today hehe mbilis nga pag my deposit kakaopen ko lang sa pnb

[@sarahalhaddad1266]

Ma'am good afternoon po..may BDO ATM po kami..peeo balak sana namin kumuha credit card...kasi po yung kumuha ako ng cp halgang 5200 pero po straight to pay 6000 sa kaibigan ko..diba po ma'am masyado yata malaki ang tubo tingin ko lang I think kumita sya 😂

[@CriselleMorales]

Hi Sarah! I have included your query sa video ko today. Thanks!

[@theecookingbekiii7707]

Question: anong nilagay mo sa Employment Status? Unemployed? Question: anong sinubmit mong documents? ID and application form lang?

[@CriselleMorales]

Hi Thee Cooking. Thanks for asking. Well, I fully filled out all items in the application form. And yes, I was honest by declairing in the form that I was unemployed that time. Application form and ID were the requiremnt.

[@theecookingbekiii7707]

@@CriselleMorales sa savings lang po talaga sa specific bank na aapplyan ng CC?

[@CriselleMorales]

Hi@@theecookingbekiii7707 paki kompleto yong queation mo? Thanks.

[@sheamba]

Ilang months or days po bago mag apply ulit ng cc? Actually, ngayon ko lang nalaman na disapprove ako sa pnb ng cc 😢

[@CriselleMorales]

Hi Sheryll👋 Try again after 6 months.

[@dwightamiellacaz1460]

So basically maam kahit wala ka 20k nag apply kapadin tapos naaprove ka? Tama po ba understanding ko kahit wala ka source of income at work?

[@CriselleMorales]

Hi Dwight! Yes. Thank you for asking.

[@normiemelgarejo3792]

Ang gling glng nmn nkkainspire sisssy sna all hehehhe

[@CriselleMorales]

Thank you sis. Oo nga, sana oil! Haha. Thank you for watching. God bless!

[@a_sy.]

maam first time user ng cc, ask kolng sana maam kung paano poba bayaran ang cc?

[@gracie1645]

Ang sweet nyo po magpaliwanag at malumanay ehehe

[@CriselleMorales]

Thank you Gracie 😀 Pero sa bahay maingay ako. Hehe

[@edgarceladez355]

hope na mapproved na din po ako sa PNB hehehe, I have a 5 cc start with Metro then next BDO and auto approved with Citi, Unionbank and Eastwest. Basta po marunong magbayad on time malaking factor po talaga.

[@CriselleMorales]

Hi Edgar. True. 👍 Thank you!

[@cynthiaclaudio-03c]

Edgar Celadez : wow.. sana all... some people have all the luck...

[@CriselleMorales]

Hi cynthia. Thanks!

[@ma.lindaortiz2260]

Ang galing mo naman mg explain sis

[@CriselleMorales]

Hi Ma. Linda! Thank you 🙂

[@anjelpajarillo2551]

Ako sa landbank ang tagal kona sakanila ilang years narin pero waley.

[@CriselleMorales]

Hi angel!👋🌸 Keeo trying!

[@teddydeguzman7482]

thanks sa imfo..diko na hahayaan na masiro ang bangko ko

[@CriselleMorales]

Hi Teddy. True! Merry Christmas,!

[@pulchritudoocciderepotest8690]

Minsan minemaintain ko, pero minsan na se-zero ko kasi needed.. pwede kaya yun? Pero yung minimum nya is 100 lang maintaining nya.

[@damaged671]

Hala paanu kaya yung akin matagal na akong umuwi ng probinsiya wala naman tumawag sa akin taz biglang may text na naapprove daw ako.wala na nga akong trabaho

[@CriselleMorales]

Hi damaged!🙋‍♀️ You may or nay not take it. If you feel you cannot sustain, then don't activate the card at pwede mo siyang i-soli. Or jusy keeo it kasi baka kailanganin mo rin siya in the future😊

[@OPPAKPOP_12345]

Hello mam , My 1st CC na po ako sa Bdo pinadala lang sya sakin ng bdo naapproved kasi ako unang apply ko dati sa kanila is reject ako kaya nagulat ako 9months palang ako na approved na kaagad ako bigla . Tapos ngayon nag apply ako sa EASTWEST DAHIL SABI NILA MAGANDA DAW PO DUN . SABI NG AGENT KO BAKA DI NA DAW AKO MA TAWAG DAHIL MAGANDA NAMAN DAW YUNG APPLICATION AT RECORDS KO QA PENDING NA DAW PO . MY CHANCE PO BA AKO MA APPROVED?

[@CriselleMorales]

Hi OPPAKPOP! Madaling ma approve sa CC pag may existing CC ka na. And you have already a record of oayment sa unang CC mo. Kapag pending, meaning, baka for verification ma siya or baka may kulang pa sa mga requirement.

[@OPPAKPOP_12345]

Mam sabi po ng agent na kausap ko kagabi sabi nya QA na daw po ako waiting daw po ng approval nalang daw po hindi na daw po ata ako CI DAW dahil maganda daw po records ko . Salamat po, malaki po ba chance ko ma approved po?

[@OPPAKPOP_12345]

@@CriselleMorales hi mam thank you for feedbacks , nag bago na daw po ang status ko po QA NA DAW PO AKO WAITING FOR APPROVAL NALANG DAW PO BAKA DI NA DAW PO AKO TAWAGAN . SANA PO TALAGA MAAPPROVED SALAMAT PO

[@aminollahmauna3107]

Mam paano pag my secured credit card kana my cash installment na don kagaya crsdit card regular newbie po salamat

[@aminollahmauna3107]

Regular credit card ba bngay ni bank sayo or secure crdit card mam?

[@ernestobasibas7693]

Ako po sobra loyal sa bdo for almost 20 yrs.po pero ni minsan wala po care sa akin si bdo kaya lumipat na ako kay bpi po.

[@CriselleMorales]

Hi Ernesto👋 Awww... Wel, totoo yan... Nararamdaman talaga natin yan sa mga Bangkong oinagtiwalaan natin king may care sa'yo o wala... Di bale, ok naman si BPI, at sana ma meet naman nila needs mo.

[@elmermanallo6157]

ganda ng explanation m mam, maraming, salamat po

[@CriselleMorales]

Hi Elmer!🙋‍♀️ Maraming Salamat din, especially sa appreciation!

[@Denbert_30]

Ang ganda u po magpaliwanag mam

[@CriselleMorales]

Hi Daniel! Thank you so much sa appreciation! Sana makapag subscribe ka din sa channel natin😀

[@francisalvarez4122]

Hello mam my credit card po ako ng eastwest at first time ko po nag karoon Neto tanong ko lang po gusto ko sana umutang ng pera galing sa credit card pano po ba ako makaka-uutang ?

[@CriselleMorales]

Hi Francis!🙋‍♀️ Yes, you can avail of the Insta-Cash Facility ni Eastwest kung saan ma cinvert ang CL mo into Cash.. Go to messenger, and search EASTWEST BANK. Message them about INSTA-CASH FACILITY. Expect na hindi agad agad ma approve. Pero pag na approve, kung sakali, babayaran mo siya in terms with a fix interest rate na affordable lang, I think 1. Something only. You can call the hotline or visit the Bank.

[@ruthdelafuente2560]

What if di ka depositor ng bank? May chance ba maaprove if mag apply?

[@maryanncalderon9777]

Nag apply po ako bdo. Hindi po ako naapproved. Mag apply daw po ako ng secured credit card na dapat may savings account ako or time deposit atleast 10,000 pesos deposit

[@CriselleMorales]

Hi Maryanna!👋 Secured Credit Card talaga ang last resort ng mga hindi na a-approve sa Credit Card application. Ok yon, para ma build mo ang cresit history and credit score mo.

[@maryanncalderon9777]

Remittance lang po kasi proof of income ko. Kahit po pala malaki income hindi parin maapproved siguro kapag po nag apply din ako sa ibang bank declined din po. Try ko nalang muna po secured credit card para sure na approved. ☺️

[@novelynsansait6069]

meron ka po kc savings account sknla pero kapag wala ka account di ka nla iaapprove.

[@CriselleMorales]

Hi Novelyn🙋 Not all the time. Kasi sa Eastwest, BDO and CiTi, wala rin aking SA sa kanila pero na approve ako. It's the Credit History and Credit Scores that matter most.

[@ryanramos3237]

Hello ma'am gaano po katagal interval ng pagre apply nyo ng credit card sa PNB?

[@CriselleMorales]

Hi Ryan🖐️ Usully 4 to 6 months. Pero ako noon, nangungulit ako. Every month. Haha.

[@margdesignervlogs9789]

New subscriber po! ^_^ San po yung part 2 for support system?

[@CriselleMorales]

Hi Mar!🙋 Thanks for dropping by! This is the part 2: kzbin.info/www/bejne/qKGaZHV3fNSApdk

[@bblouernosa9077]

Thanks SA information Po galing nyo Po mag explain... Godbless po.

[@CriselleMorales]

Thank you! God bless you too!😍

[@anthonylovitos3397]

Maam may na deactivate po ako na account sa eastwest bank nung 2018 dahil di na maintain ang maintaining balance, at nag apply ako ng credit card this month lang. Sa tingin mo, may pag asa ba na ma approved yun? Employed po ako

[@CriselleMorales]

Hi. Sorry for responding this late. With regards to your deactivated account with Eastwest bank, hindi siguro affected ang application mo, basta qualified ka at you can meet the requirements. Obviously hindi an nila ibe-base yong application mo sa savings acct.mo kasi you were not able to maintain it, but in other requirements pag na meet mo naman, I am pretty sure you will be approved. God bless!

[@applegreen2017]

Maam f na kkuha po ako ng credit card obligado po bang gamitin yun monthly po or yearly. Kasi po balak kolang kumuha f incase na mag karoon po ng problema or dumating yung time na alang ala akong pera po. Balak kolqng po kumuha f mawalan lang po ang ng pera

[@CriselleMorales]

Hi Liezel!🙋‍♀️ For emergency purposes, ok lang naman😊

[@Oren_FromSprunki]

pano ka po nagsubmit ng requirements? anu ano requirements hiningi nila?

[@CriselleMorales]

Hi AR! 👋🌸 Usually they ask kung may existing CC ka na, pag meron kasi mas madali ang process kasi mag refer na sila ng credit history mo from your existing CC, plus proof of income, and Gov't ID. Pero sa video kong ito, wala akong proof of income kaya ako na deny 3X but then na approve on the 4th 😊

[@Oren_FromSprunki]

@@CriselleMorales Salamat po Maam sa pagsagot, sa case nyo po ano po na submit nyong requirements and gaano po katagal bago ma approve po?

[@dranixdranix]

Ano pong bank Yung nagoffer may time deposit 20000 for secured cc?

[@anamirasolmacapagal-ze8zk]

hi po mam..kapag mag apply po ng cc sa ibang bank need po ba na meron ka naka deposit sa kanila bank???

[@CriselleMorales]

Hi Ana👋 Not necessary. May mga Bangko din kung saan wala akong SA sa kanila pero na approve ako kasi may CC na akong nauna. Pag first time naman, you just need to provide proof of your employment and proof of income plus ID.

[@nicesabellano406]

Magkano namn Ang interest if gamitin mo ung credit card?

[@CriselleMorales]

Hi Mike!🙋‍♀️Ibat ibang Interest, dipende sa transaction that you avail using your CC.

[@JhayDiaz12345]

Dba nag apply ka nag submit ka lang ba Ng form without rti at payslip that time

[@natwiee_gaming]

Hi ano pala kong naki investment ako sa credit card or sa bankrate magbabayad paba ako sabinanggit ko

[@CriselleMorales]

Hi Natwie👋 Sorry for the late reply. You have still to pay your obligations in your CC regardless of your investment with them.

[@nonesense8902]

Ano po mangyayari pag umutang ka sa creditcard tas babayaran mo at the same day

[@nonesense8902]

Yung inutang mo yun din yung binayad mo

[@CriselleMorales]

Hi None Sense! That gives a good record on your standing. It can also adda up to your credit score. Aside from that, for sure you avoid interest.

[@arjayjhonleysico2385]

Bat po kaya sakin nag apply po ko credit card sa bdo, may kabayan savings account po ako pero wala po ko maintained balance sa kanila, Need daw atleast 30k for 6 months. Sabi nung staff sa bdo Mababa daw ung chance na ma approve. Kaya umalis na lang ako hehe

[@CriselleMorales]

Hi Arjay!🙋‍♀️ Yong 30k na sinabi sa'yo, is an amount for the collateral. SECURED CREDIT CARD ang tawag sa kanya. I deposit mo siya for 6 mons in exchange of a CC na may CL na mas mababa ng konti sa 30k. After 6 mons at ok ang payments mo, ma wi withdraw mo din yong 30k. Parang time deposit kung baga, wala nga lang interest, hehe.

[@bherlcalabung5478]

Maam pano po pag unemployed ano pong ilalagay sa industry employer business

[@CriselleMorales]

Hi Bherl!🙋‍♀️ Honestly, ako I indicated sa form, N/A. 😊

[@angeliquemartinez8324]

Ilang months po pnb cc nyo nung nag apply kayo sa eastwest?

[@CriselleMorales]

Hi Angelique!🙋‍♀️ It was 4 mons., I think 😊

[@mactv9841]

anu palatandaan na maaaprove kana? mag eemail ba sila thanks

[@CriselleMorales]

Hi Marky! 🙋 Usually they email you to inform that you got approved with your application.

[@ritchjoy10]

Pwede po bang yung sa anak lng ang meron pero nkpngalan saming dalwa

[@CriselleMorales]

Hi Ritchjoy👋 Ang CC is named under one client only. Either ikaw o yong anak mo basta at least 21 y/o at may documents/requirements to submit. Pwede namang mag apply ng supplementary card para sa family member.

[@maximoasuncion8080]

Anong banko yan mam, yung ma.approve ka pag may 20k na time deposit?

[@CriselleMorales]

Almost lahat bg Bangko offers that, ang tqwag is SECURED CREDIT CARD. Punta oa sa favorite Bank mo then inquire about secured credit card.

[@mikeenavarro2910]

Yung 4 times po kayo nag apply, same bank po ba yun?

[@jeffpailanan5900]

Hello po what if po nag cash advance ka then pwedi lang po bah installment lang ang pag bayad at paanu po sa Ze-Lo mastercard po.

[@CriselleMorales]

Hi Jeff!🙋 Hindi pwede ang Installment sa Cash Adnvance. Kailangan bayaran mo siya ny buo pag dating ng SOA mo the following month.

[@jeffpailanan5900]

Last po, what if sa mga department store damit po or grocery pwedi po? Or sa mga appliances lang po pwedi basta tie up sya ng bank po? Ty po sa pag sagot..

[@neiljohnarmia700]

hi mam ask ko lang po meron kpo b account sa dati before ka magapply ng credit card?

[@CriselleMorales]

Hi Neil! 🙋‍♀️ OO, I am with PNB for almost 22 years na before I got apptoved

[@maemagpusao1072]

Na ccheck kaya if may unpaid loans sa SSS? Baka yun kasi reason kaya di ako maapprove

[@CriselleMorales]

Hi Mae. Possible. But keep trying and make sure your requirements are available.

[@jusalynmargani9266]

Metrobank papo ba ngayon ang tumatawag sayo mam?

[@CriselleMorales]

Hi Jusalyn!🙋‍♀️ Hindi naman, so far 🙂

[@jeffifroes4833]

pagnagpunta kn ng banko apply credit crd antimano sasabhin na nila aprrove or dis aprove? sabi kc sakin tayawag na lng cla pupunta ata sa bahay namin.ngoasa nako ng form

[@CriselleMorales]

Hi Tim!🙋 Hindi mo malalaman kaagad kung approve or disapprove ang application kasi it will take few weeks for the process. Tatawag sila for verification and to inform you. And if approve ang application mo, you will receive an email or txt para sabibin na approve ka.

[@jeffifroes4833]

@@CriselleMorales ok po

[@jeffifroes4833]

yun sa pinsan ko utang nya 17k binbnwas lng sa accnt nya 500 monthly updated pa sya mgbyad isang taon na tapos ngttaka sya buo parin 17k utang nya d nbbwasan

[@CriselleMorales]

@@jeffifroes4833 Inutang ba niya thru installments in credit card? Or personal loan?

[@CriselleMorales]

Kung hindi nababawasan, inquiry to the bank is the best thing to do, hindi dapat pinapatagal yan for clarification.

[@seanherana2256]

Hello po maam ! Gusto ko po sana kumuha, ok lang ba kong iiwan ko sa aking anak amg credit card? Para gamitin nya kong may mga project, pasok nalang sya sa mall?? Ofw kase ako eh....! Sana may makasagot!😑

[@CriselleMorales]

Hi Sean!🙋‍♀️ I suggest, Ikaw ang mag apply, pero Pag na approve, huwag yong mismong CC and ibigay mo but issue him/her a supplementary card na walang AF. Download mo rin the Mobile APP para ma monitor/track mo pa rin ang flow ng expenses at yong bills niy na babayaran mo. 😀 God bless!

[@elmzchannel8255]

Hello po. Okay lang po ba na yung minimum lang muna ang binabayaran ko sa credit card ko? Willing to pay naman po ako. Kapos lang muna kc ngayon.lalo nung pandemic po.

[@CriselleMorales]

Hi elmz!🙋‍♀️ Paying your minimum amount keeps your account active at maiwasan din yong late payment fee. However, kapag di mo nabayaran ng buo, yong unpaid balance magkakaroon ng pationg na interest sa next billing mo. Medyo affected din yong Credit Score pag di tayo nagkakabayad ng buo before the due date 😊

[@elmzchannel8255]

@@CriselleMorales thank you mam. Pano pag nabayaran na po ng buo mam. Possible po ba na tataas ulit credit score po?

[@CriselleMorales]

@@elmzchannel8255 Ma restore naman ang credit score mo, kailangan lang mag recover 😊

[@MiAchiYT]

Mam Ung sa PNB po paano kayo Na Approve pano po gngwa nyo Para mapadali

[@MiAchiYT]

Nag apply po bkau ng Savings Account?

[@CriselleMorales]

Hi Jay!🙋‍♀️ as mentioned sa video, dati na akong may Savinhs Acct. with PNB. It's more than 20 yeara na yong SA ko sa kanila. I didn't do anything para mapadali. I just waited 😊

[@reyberinojr9706]

maam totoo bayan bat niyo pinakita yung credit card number 😅

[@xyryllgrys815]

Mam nag try po ako sa PNB ng credit card tpos nag sent po sila sa Gmail ko your credit card application was successfully saved. Anu po ibig sabihin nyan mam?

[@CriselleMorales]

Hi Xyryll! Thank you for dropping your comment. May binigay ba na reference number?

[@xyryllgrys815]

@@CriselleMorales meron po sila binigay na number mam

[@CriselleMorales]

Pag reference number, kailangan i keep mo yan. gagamitin mo yan to follow-up your application. Or, try to see kasi baka na save lang yong application mo buy not really submitted. Sometime meron kasing option na "save for later" meaning itutuloy mo yong application a little later. Otherwise, call ka sa hotline using the reference # na binigay nila to follow-up. Hotline No.: 0288189818.

[@xyryllgrys815]

Mam my binigay na sila sa akin na reference number po.. Anu po nxt po panu malaman na approve napo?

[@xyryllgrys815]

@@CriselleMorales tnx mam... Salamat po sa sagut.. Po... 😘😘❤❤❤

[@mselainekim]

Ako nga 9 na CCs ko na-deny pa ako ng 2.. 🤣🤣🤣 Tapos yung 1 sa 2 yun, 2 na ang CC ko (sa bank na yun).. E di WOW!

[@CriselleMorales]

Hi Elaine! Haha 😂

[@nickadionisio31]

hello po maam criselle meron ako po debit card just like savings account na po sa unionbank actually po nagemail po sila sa akin inofferan po nila ako ng credit card po

[@CriselleMorales]

Hi Nicka! Thank you for dropping your comment. If you feel that makakatulong sa'yo ang credit card, then go for it. But if you find if not necessary, pwede mo naman ignore yong email or mag reply na ka na lang informing them whatever is your decision.

[@sarahesguerra6123]

Hi @NickaDioniso ask ko lang po magkano ang limit para ma offeran ni unionbank ng CC? Nag apply ka po ba sa app nila or kusa sila nag email sayo? Meron din ako unionbank savings and i want to know hm yung certain amount para ma offeran nila ng CC

[@jenartistic6443]

applicable din kaya ito a ibang bansa or living abroad?

[@CriselleMorales]

Hi JenarTistic! Are you referring the credit card to be used abroad? Yes, you can use it when you travel Abroad.

[@Ending_35]

Hi,mam good evening safe po ba yung may tumawag sakin nag alok nang credit card online po ako inin terview tapos naibigay ko lahat nang information ko,at nag oo ako sabi sakin 2to 3 weeks e deliver na daw ang cc ko,legit po ba kaya yun?nung nalaman nang asawa ko na nag yes ako sa alok sakin nagalit sya kasi bakit tumawag sakin hindi doon sa loob nang banko.

[@crisscantel]

may annual fee po ba iyang eastwest card na hawak nyo?

[@CriselleMorales]

Hi Crisstel👋 Yes, may Annual Fee.

[@ryanroypascual4880]

gusto ko din try yn pero bk di akong aprove

[@CriselleMorales]

Hi ryan!👋🌸 You will never know kung dimo subukan 😊

[@AsiaKawaii8]

Thank you mam for this info very helpful

[@CriselleMorales]

Hi POPOYLEE!🙋‍♀️ Mas maraming salamat sa'yo dahil sa panonood at pagtitiwala. - God bless!

[@alexantonio9253]

Galing po ako den po gusto magkaroon nyan kaso po d ako ma aprove kasi private employee san po ba ako pwde mag aply ng madali thanks

[@CriselleMorales]

Hi Alex! Thank you. It's ok kung private employee ka as kong as you can prove your salary or finances. May savings ka ba sa any bank?

[@alexantonio9253]

@@CriselleMorales wla pa po ako savings maam

[@CriselleMorales]

@Alex Antonio Sana mag start ka na to save. But try mo pa ding mag apply kahit online. Maraming adds sa messenger. Try mo sa Security Bank, CiTi Bank or Eastwest Bank, or others. What's important is may payslip ka as an initial requirement and any government ID.

[@alexantonio9253]

@@CriselleMorales salamat po Always God bless maam

[@CriselleMorales]

God bless you more🙂

[@treadnokash7598]

Kumuha ako ng pag ibig loyalty card. Binigyan den nila ko ng pin mailer para da aub may babayaran ba ko da aub?

[@CriselleMorales]

Hi tread! As far as I know, there is no fee for that. Thank you for dropping your comment!

[@angelicasantilla4926]

Classic ba yang eastwest mo mam?

[@CriselleMorales]

Hi Angelica👋 Mine is Eastwest PrIviledge Mastercard 😀

[@bernadettemaeagustian401]

Hi ma'am. Ask ko lang po may Dumating sakin Ng cc from eastwest then nag auto activate po sya. Nag email Nako sa customer service Nila Ang reply Nila is activated na nga daw po Yung cc. Pano gagawin kung Wala Naman Akong balak gamitin tlga yon. Ang kaso po activated na baka po mag bayad Ako Ng annual fee.

[@CriselleMorales]

Hi Bernadette, 🙋 Nag a-auto activate kasi after 30 days if I am not mistaken. No AF ba yang CC mo? Pag No AF, ok lang, huwag mo na lang gamitin para wala bills na dumating.

[@bernadettemaeagustian401]

@@CriselleMorales di ko po sure kung no AF pero eastwest Mastercard gold po sya

[@CriselleMorales]

@@bernadettemaeagustian401 Tignan mo sa literature or sa Brochure na kasali sa envelop nong na receive mo ang CC mo.

[@bernadettemaeagustian401]

Hi po ma'am . With AF po Yung cc Ng eastwest Yung nag auto activate. Pano po kaya gagawin

[@Uncledan-25]

Ang galing po

[@CriselleMorales]

Thank you😊

[@giavlog688]

Maam napadpad po ako dito sa vlog mo, ask ko lang po d ka po ba approved kapag d pag na deliver ang Credit Card? Pero may account na po ako eh, naguguluhan po ako, may binabayaran po ba buwan buwan ng 75 pesos? Ang credit Cards?

[@CriselleMorales]

Hi Gia Vlog. Thank you for dropping by 🙂 Well, you will never be assured na approved ka na nga kung dipa na deliver ang CC mo. In PNB and in Eastwest Bank, I applied and just waited for my card to be approved. I dont remeber na tinawagan ako to say my application was approved instead, I just had it delivered on my doorstep. Try to wait a little more.

[@CriselleMorales]

Don sa 75 pesos, I dont remember paying 75 pesos sa CC ko. Regarding naman sa na mention mo na ACCOUNT, what account are you referring?

[@kritzyragasa6191]

anong mga documents po ang ipinasa niyo sa bank kung wala po kayong trabaho that time? gusto ko din po sanang magapply as of now wala din po akong work

[@CriselleMorales]

Hi Kritzy. I presented my ID's. And since I have an account with them for more than 20 years na, I have established a relationship with my bank na kung saan nakitaan din siguro nila ng consistensy of deposits and withdraws that shows sustainable finacial status and capability to pay credit card dues. Actually I sometimes consider it as an undeserved favor🙂

[@kritzyragasa6191]

@@CriselleMorales thank you po 😍

[@CriselleMorales]

@@kritzyragasa6191 You are welcome. Thank you for your comment! 😃

[@CriselleMorales]

You are welcome. Waitnfor my shout out sa'yo 😃 Stat safe.

[@Namradelacruz04]

So pretty 😍

[@CriselleMorales]

Thank you!! 😊

[@john-nv7bf]

Ganun po ba san po kaya pinaka mabilis maka kuha ng secured credit card wala po ako bad record sa mga bank dahil 1st time lng po ako kukuha 10k lang po dedeposit ko po ilan weeks ko makukuha mam para magamit ko po sya. Kasi ung approval ay days din po bago ma approve ang gusto ko ilan weeks ko sya mgamit or makuha po ito bank pwede sakin dahil 10k lng ang pwede po dyan na bank PNB RCBC Rbank BDO

[@CriselleMorales]

Hi johnmartin.!🙋‍♀️ Actually, ang SECURED CC will depend on the amount that you can deposot as HOLD AMOUNT. Collateral kasi yong amount para sa ibibigay nila na CC sa'yo. Pero most likely, 80% of the hold amt.,yon anh ibibigay sa CL mo. Mas mabilis ang process ng SECURED CC at ihanda rin Valid IDs.🙂

[@markanthonysalas5566]

Okay nakakuha ko idea..

[@CriselleMorales]

Thank you. God bless.

[@KabavariansVlog]

Ahh so you have savings account with pnb. Pre approve pala! Were same with bpi they offer me credit card with out applying cc.

[@CriselleMorales]

Hi Kabavarians! 😀

[@carloninotabios1647]

Bakit ako di naaproved sa credit card? Maganda ang updated ako magbayad sa mga loans ko, marami na akong natatapos na loan, maganda ang credit standing ko sa home credit, may trabaho ako, gusto ng agent may existing card samantalang paano ka magkakacard ehh wala pa nga at unang card pa lang.

[@CriselleMorales]

Hi Carlo. Saang bank ka nag apply ng credit card?

[@CriselleMorales]

What happed to you, happened to me also. 3 times akong na fail, but I tried again and again. It took ke 3 times before ako na approve. Be inspired don't give up just try and try 🙂

[@theajfamilyvlogg6031]

Ano po nilalagay nyo sa employment if nagfifil up? Thank u

[@CriselleMorales]

Hi The AJ Family! 🙋 I indicated "N/A/" ☺️

[@plan-BTV]

Mam natapos ko po ang video nyo.. Pwede po ba magtanung tungkol sa cash it easy ng cc amex card po narealease sakin..tpos po may offer po samin na promo po nila.gusto ko po kunin..ano po bang hotline ang tatawagan para ipaalam sa kanila na kukunin na nmin yung pera.magloloan po kc kami diko po kc alam kung san mag inquire.tnx po sana mapansin nyo mam

[@CriselleMorales]

Hi KALOKIHAN MO! Nakaka tuwa naman name mo sa YT. Hehe.

[@CriselleMorales]

Sa PNB ba?

[@gemsdelalamon9877]

Mga ilang months/years na po cc nyo from pnb bago kayo nag apply kay eastwest?

[@CriselleMorales]

Hi Gems! I got my PNB for several years now. And my Eastwest CC mga 8 mons more or less.

[@ProudChinoy]

My fave PNB Card is Zelo cuz it has No Annual Fee For Life and No late payment fee.

[@CriselleMorales]

Hi Eleazar! Nice to hear that 🙂.

[@eduardoespiritu1110]

Ano po ang support system

[@CriselleMorales]

Hi eduardo!🙋 A support system is anyone or maybe anything that can give you a practical, emotional or even financial support

[@Ilonggosacebu]

Ano ba ang paraan nang pag bayad monthly ba yan?

[@CriselleMorales]

Hi Kee! Every duedate. May 21 days before duedate.

[@richellcabangangan6684]

ako man 3 years na un bdo pasbook ko pwede po ba ako mag apply ng credit card ..never p naman po ako nag withdrawal doon .puro deposit

[@CriselleMorales]

Hi Rischell. Check mo baka malaki na ang interest ng Savings Account mo.

[@lenievelasquez5543]

ako po pindalan credit card pero wala me work

[@Natibkertv888]

Meron Ako account sa PNB na pero di nmaan ma aprub Ang CC ko