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Fastest Credit Card Approval

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DESCRIPTIONS:

Credit Cards make convenient additions to your wallet, enabling you to easily pay for your bills and other purchases that matter. However, applying for a credit card requires you to understand your own financial standing and your spending habits. If you already have a credit card and would like to apply for another one from a different provider, you should also make sure that you have good credit to ensure faster approval.

In the past, people needed to go to the bank to make an actual appearance just so you can enroll for a credit card. Nowadays, you don’t have to go to the bank anymore because most major banks already allow you to submit online applications.

Apply online

When applying online, have all the requirements ready. Your credit card can be approved faster if you submit all the correct requirements and provide all the right data because the bank can immediately process your data and determine whether you are qualified for a credit card or not. Banks like Citibank and BPI are among the ones offering online application forms. It will generally take 4 to 6 weeks for the credit card application to be approved and for the bank to send you your credit card.

The pre-approved card

Individuals with little or no credit history can get faster credit card approval with a pre-approved credit card. Banks like RCBC send pre-approved credit cards to qualified individuals by mail; all you have to do is use it (make a purchase) to have it activated.

What qualifies for instant approval?

As long as you have good credit, the credit card company can instantly approve your application for a credit card upon submission of all the requirements and forms. Otherwise, it could take 30 days or more before you can get your credit card over the mail. Therefore, consider determining your credit standing and do your research online by visiting the official websites of the banks you are interested to get a credit card from. Calling the bank’s hotline is another option to determine if you are qualified to secure a credit card from them.



Featured Credit Cards:

CITI SILVER MASTERCARD AND VISA


FEATURES:

  • Pay an annual fee of Php1500 for your primary card!
  • Go over your credit limit and pay for just Php500 or 3% whichever is higher!
  • Enjoy a finance charge rate of 3.50%
  • Earn rewards points with every Php30 spent with your Silver Card!
  • Travel with comfort with Travel Inconvenience Insurance provided by your Silver Card when you buy your plane ticket!

GOLD CARD ! The BPI Credit Card for the Exec!


FEATURES:

  • Pay an annual fee of just Php2250 for your BPI Express Credit Gold MasterCard!
  • Avail of a finance charge of 3.4%
  • Travel anywhere you want ad get FREE travel insurance of up to Php1000000 once you charge your fare to your BPI Express Gold Credit Card!
  • Shop in more than 30 million establishments here and abroad and enjoy lots of discounts and perks!
  • Convert your foreign purchases into pesos with no processing fees
  • Purchase high ticket item with no worries with the S.I.P. facility available with your BPI Express Credit Gold MasterCard!

BDO MASTERCARD SHOP MORE


FEATURES:

  • Pay just Php900 for the initial year!
  • Avail of a cash advance fee of 5% or Php300 whichever is higher
  • Have a finance charge of 3.50%
  • Avail of up to 30% Cash Advance of your credit limit!
  • Get rewards points each time you purchase items at SM by the Peso Payback Rewards Program
  • Get up to 5 supplementary cards on your first year!
  • Relish on exciting freebies and discounts through SM Exclusive programs and BDO Delights!
  • Avail of the ongoing installment promos for as low as 0% interest in different electronics ad appliance stores, furniture shops, health and beauty services, restaurants, jewelry shops, travel packages and more.

BDO Shop More MasterCard has wide recognition and acceptance on major establishments throughout the Philippines and plus 20 million locations in 275 territories and countries wherever MasterCard is accepted.

UNIONBANK CLASSIC CREDIT CARD


FEATURES:

<ul>
<li><span style="font-size: x-small;">Pay an annual fee of Php1500</span></li>
<li><span style="font-size: x-small;">Transfer your balance with just 1.25% to your new account</span></li>
<li><span style="font-size: x-small;">Avail of cash advance of up to 3.50%&nbsp;&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;</span></li>
<li><span style="font-size: 15px; line-height: 17px;"><span style="font-size: x-small;">Get finance charge of 3.50%</span></span></li>
</ul>

Featured Articles:

The Power Within You

Ever thought of getting a credit card but don’t know where to start? For majority of cardholders we know, credit cards are terrific tools that certainly have very great advantages.

We at comprecreditcards.com.ph have surveyed many customers and here is what came out…

Its very handy payment. That’s the big thing, right? You don’t have to worry about being robbed or something because you don’t have that big cash with you. Even if you’re just making small purchases, it’s a big help. Plus, the fact that we are in the on-line shopping age, it’s a total must have.

On the spot loans. When you’re short of cash, a credit card will be there to save you from the embarrassment of not being able to pay as it will help you make up for your purchase. To avoid any fees, just pay your balance in full.

You have no idea as to where you’re spending your money? People have the tendency to say they don’t know where half of their money went. With a credit card, you can easily track your purchases on your monthly payments. So if you think your wife spent too much for the month, check on your bill, who knows, it might even be you…

It’s easier to pay off. It’s easy to pay credit card bills. All you have to do is find an ATM with your checking or an easy account transfer. Good news is you don’t have to wait a month to pay it off. And guess what, some even lets cardholders pay their bills ONLINE. So say goodbye long lines; Hello to convenience!


You get rewards.

Every time you make transactions you earn point or “rewards” that you can exchange for either gift checks, vouchers, exclusive items or maybe the cash back system. We’re not saying that you use your credit card non-stop to avail of these, but as a matter of fact, it is a nice bonus.

Very exclusive deals. How would you spell exclusive? Its “c-r-e-d-i-t-c-a-r-d”. Why? Because you get a lot of high class services that are only available for those people who hold the cards. Sometimes its discounts on products, dining and traveling first class. Remember the times when you really wanted to buy something and you were able to buy it because of the discount my credit card was able to give me.

We can go on and on with these, but nothing is really important than learning it by experience. Everything has its ups and downs. It’s up to you, as the card holder, to become responsible in how you manage your money. Look into the bigger picture of how credit cards make life easier and who knows you might just even love it. Just be responsible and a word of advice, pay your dues on time, all the time…