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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:

BPI Credit Card – PETRON MasterCard


FEATURES:

  • Pay an annual fee of Php1550 for your primary card. Plus you get FREE Php200 worth of fuel once you receive your Petron-BPI MasterCard!
  • Get FREE Full Tank every year with its 3% fuel rebate!
  • Avail of a finance charge of just 3.4%
  • Get 24-hour Roadside Assistance and Towing Service wherever and whenever you need it!
  • Relish on very exclusive privileges and discounts on car dealerships and car accessory merchants only with your Petron-BPI MasterCard!

RCBC Bankard Diamond Card


FEATURES:

  • Finance Charge: 2.75 %
  • Balance Transfer Rate: 1.488% (6months)
  • Annual fee of only Php2,500
  • Cash advance service fee 300% or 5%, whichever is higher

METROBANK PLATINUM MASTERCARD


FEATURES:

<ul>
<li>Delight in the special financial charge now for only 2.75%.</li>
<li>With the Metrobank Platinum Mastercard, you get round the clock international concierge package on any credit card associated need, may it be business transactions, medical treatments or a special shopping. Now it has even HIGHER credit limits that lets you enjoy the lifestyle you ask for&hellip;</li>
<li>Pay for just Php5000 for your annual fee to enjoy a credit card with the highest credit limit with an extremely low interest rate! But guess what, the first year is actually for FREE!</li>
<li>No more worries because with the Metrobank Platinum MasterCard, you get to enjoy 24/7 Concierge Service all year round!</li>
</ul>

EXPRESS BLUE MasterCard – BPI Credit Card


FEATURES:

<ul>
<li><span style="font-size: x-small; line-height: 11px;">Pay an annual fee of just Php1550 for your initial card</span></li>
<li><span style="font-size: x-small; line-height: 11px;">Shop and dine anywhere you want with the BPI Express Credit Blue MasterCard in over 30 million establishments worldwide!</span></li>
<li><span style="font-size: x-small; line-height: 11px;">Get travel insurance of up to Php2000000 once you charge all transactions with your BPI Express Credit Blue MasterCard!</span></li>
<li><span style="font-size: x-small; line-height: 11px;">Withdraw 30% of your credit limit whenever you need it for emergencies!</span></li>
<li><span style="font-size: x-small; line-height: 11px;">Avail of finance charge of 3.4%!</span></li>
<li><span style="font-size: x-small; line-height: 11px;">Get help managing your money with S.I.P. Facility of BPI Express Credit Blue MasterCard!</span></li>
<li><span style="font-size: x-small; line-height: 18px;">Earn 1 point for every Php35 worth of transaction with your BPI Express Credit Blue MasterCard!</span></li>
</ul>

Featured Articles:

Should you let your kid have his own credit card?

Fact: there is already an increase of teens and college students who have their own credit cards. Credit card companies now aim on the two groups since they are the ones who spend more money than adults.

Educate your child on how to manage spending with a credit card. Parents an even use instances in the present state of affairs as an example to discuss to kids the pros and cons of credit cards.

Smaller credit limits are usual with these types of cards and while it may be easy to apply for one, credit card companies charge large interest rates and fees to the teenage credit card holders.

People who are below 18 are not legitimate in obtaining credit cards without the consent of their parents. Unfortunately, some kids fill out forms and receive credit cards without the knowledge of their parents. To avoid this, talk to them and help them realize the importance of beginning a solid credit history with their first card. Emphasize that it is of utmost importance to their future.

As a parent, start by reading the guidelines with your child. Make sure you call to attention all the terms written on the fine print. Avoid coming to the rescue if the bills get way out of control. This will teach him to be responsible in handling his money. A credit card spent by a teenager and paid by his parents initiates bad credit habits

Let the child bear in mind that his credit card sho uld be used in emergencies only. Monitor ALL his spending activities. Some credit cards even allow the parents to create their own credit limit for the supplementary cards. This is very logical especially if you are too busy with your career.

Parents can help their kids spend sensibly with the correct use of credit cards. At this early stage, it is better to prepare them in the reality of life by teaching them not to abuse its benefits.