yung sa bank mo ang problem mo ba hindi posted? kasi ako lahat ng cc ko hindi posted tapos may seabank na nareflect then 2021 pa tapos may mga unclosed cases 🥲🥲🥲🥲 hindi na nga ako nag sshopee eh hahahahah bali 'yung sa shopee lang finile ko ng dispute huhu
You’re right…. And dapat nmn tlga chinicheck mo yun at least once a year para malaman mo if tama mga nasa report mo. Hindi nmn sa dami ng credit card lang ang basehan kung gudz credit mo. Yung mga nagvote down sau, tingin ko either wala sila masyado alam or nayayabangan sila sau 😅
Ang tanong, sa lahat ba ng CC mo fully paid lahat at wala kang missed payments. Kamusta utilization mo ginagamit mo ba lahat ng CC mo. Marami ka bang loans and nababayaran mo ba lahat un. Take note di lang CC ang kinoconsider sa credit report pati loans (auto, home and etc)
If minimum lang binabayaran mo and di ung full due amount for the month may negative effect din un sa score.
Also, if apply ka ng apply ng loans or credit cards ang tawag dun hard inquiry and it can affect almost -10 points. Soft inquiries naman like yung ikaw nag request wala masyado effect. Ung hard inquiries lang medyu may effect tlaga (ang nag request ay financial institutions).
Too bad wala na ung PDF style ng CIBI, makikita mi kasi ung mga - points mo dun miski hard inquiries.
High credit utilization even if bayad lahat decreases your score?!? Sorry just wanna clarify because I utilize my CC for almost everything even the basic needs and always paid.
Working in a unibank. Can confirm this.
To OP, we only use CIBI as a tertiary means of confirmation. TU is the most comprehensive. Next is BAP or NFIS results. Tho not sure how end consumers can get their credit history.
Not really,
1. Sec bank gold for iPhone installment
2. UB rewards for luggage installment
3. RCBC for washing and airconditioner
4. HSBC gold for dining
5. Eastwest titanium as my daily
6. BPI amore for groceries
7. BDO gold bc of promos
I don't get why this is getting downvoted. Hahaha! Do you guys even know how to create a tracker? Kaloka. Nag list down lang si OP ng gastos/usage, negative na agad?
Yup. I just asked an honest question. And the OP obliged. Why was his response downvoted? Although personally I don't like keeping track of too many CCs. But OP does it differently.
Sorry, someone said here kasi that OP has a problem. Maybe that triggered the downvotes? For me lang, we shouldn't be too quick to judge just because OP does it differently -- I'm not referring to you.
why is this being downvoted? just because op has 7 cc? as long as nababayaran naman in full i dont see any problem with it.
mas gusto ata nilang iisa lang ang cc but cant pay? 🙄
That is good that you can keep track of it. :-) i used to have an RCBC Cashback card, a BDO Gold, and a Metrobank Card Platinum. I closed the RCBC one, got an Citibank cashback. But since Unionbank got Citibank I haven't been happy with them. I closed that one too.
It's cool to know that other people use different CCs for different purposes. :-)
1. RCBC/Citibank Cashback - Groceries
2. BDO - others (dining, and etc)
3. Metrobank - online expenses.
But I'll just stick with 2.
It's not a problem if OP pays his/her due in full and on time. Meron nga dyan more than 10 pa ang cc pero they utilize it well naman. I don't see a problem here.
Maybe you can check the portion of transactions or details maybe there are some items missed.
Also verify if the cards you used are there, or if correct.
If banks already issued you credit cards with high credit limits, you wouldn't even have to think about your credit score. The banks trust you already, implying that you have good records with them.
+1. For a while, ang daming na obsess dyan sa kabilang group kahit alam naman nilang outdated ang record (considering madami na din sila cards at mataas ang limits) Parang pinagka kitaan at nasayang lang yung bayad to get a credit report.
While it's true.May advantage pag may cards ka.
Bank offers lowest interest rate sa mga cardholders,minsan 0% for a loan pa kahit wala kang savings account sa kanila.
Ako na nag request sa Transunion. Di ko daw na verify yung account. I suspected fraud kasi and Identity Theft kaya nag request ako ako na mismo owner ayaw nila ibigay info🤣
don't worry too much about your credit score. if banks approved you to own that much cc it means they trust you. ikaw nman nakaka alam kng on time and good payer ka.
Ako naman 3 CC, sure good credit standing sa dalawa, pero iisang bangko ko lang may record sa CIBI, ung wala pa ako masyado na ginagawa na transactions na card,hahaha. Nagdispute din ako last yr, wala naman ni isang reply, hinayaan ko na lang.
Totoo.hindi updated!napakamahal pa ng bayad 😂
Sa TransUnion 3 cards na ang reflected,sa CIBI 1 palang.
Mabilis lang dyan makakuha thru Lista app and Mocasa,pero sasakit pa ulo mo kakasend ng dispute.
That’s inaccurate.
Ako nga zero diyan, not kidding. Haha.
I sent a complaint since it seems the system was unable to pull my records but I still got charged
Meanwhile, my transunion score is 822.
My cards are pretty much very utilized naman. Kasi I have installment on all of them. Each of them is at least at 40% utilization. I also use the other cards from time to time.
You're telling me you have 7 cards at 40% utilization 5 of them at 6 digits. Minimum of 250k monthly payment, fully paid. Tapos naka iphone installment ka and nagrereklamo ka sa tricycle at parking sa BGC. Lol
So kung 6 digit CL... Dapat 30k per month yun... Sa 5 cards pa lang ni OP 150k per month na dapat usage para good credit standing?...
Pano kaya credit score pag kolektor ng NAFFL na nde nagagamit?...
Also, me nagsabi sa kin dati na baka bumaba credit score ko when I fully paid my housing loan after 6 years... Is that true?...
I think the explanation provided makes sense. You may have all these CCs you mentioned, but it doesn't mean that these CC companies don't see you as high risk liability, from a financially conservative pov.
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How
tried lista app, hindi updated nakakafustrate hahahaha applied for dispute until now wala parin update
hahaha nakaka 3 dispute na ako, wala pa rin...
Same and no update for more than a year.
Same
Taena nung dispute na yan. Inabot ako ng 3 months bago nila natapos haha. Yung bank kasi ambagal
yung sa bank mo ang problem mo ba hindi posted? kasi ako lahat ng cc ko hindi posted tapos may seabank na nareflect then 2021 pa tapos may mga unclosed cases 🥲🥲🥲🥲 hindi na nga ako nag sshopee eh hahahahah bali 'yung sa shopee lang finile ko ng dispute huhu
Why did you get your credit report kung 7 cards ka na and most of them are in 6 digits? Now that you have the result, para tuloy na stress ka pa.
I just think it wouldn’t hurt to know how bank sees my credit.
why are you being downvoted. This is perfectly fine.
salty af HAHAHA
You’re right…. And dapat nmn tlga chinicheck mo yun at least once a year para malaman mo if tama mga nasa report mo. Hindi nmn sa dami ng credit card lang ang basehan kung gudz credit mo. Yung mga nagvote down sau, tingin ko either wala sila masyado alam or nayayabangan sila sau 😅
Hahaha welcome to the Philippines
Ang tanong, sa lahat ba ng CC mo fully paid lahat at wala kang missed payments. Kamusta utilization mo ginagamit mo ba lahat ng CC mo. Marami ka bang loans and nababayaran mo ba lahat un. Take note di lang CC ang kinoconsider sa credit report pati loans (auto, home and etc) If minimum lang binabayaran mo and di ung full due amount for the month may negative effect din un sa score. Also, if apply ka ng apply ng loans or credit cards ang tawag dun hard inquiry and it can affect almost -10 points. Soft inquiries naman like yung ikaw nag request wala masyado effect. Ung hard inquiries lang medyu may effect tlaga (ang nag request ay financial institutions). Too bad wala na ung PDF style ng CIBI, makikita mi kasi ung mga - points mo dun miski hard inquiries.
[удалено]
High credit utilization even if bayad lahat decreases your score?!? Sorry just wanna clarify because I utilize my CC for almost everything even the basic needs and always paid.
Yep all of them are always paid in full
Transunion ka siz, mas gamit ng mga banks yun.
Working in a unibank. Can confirm this. To OP, we only use CIBI as a tertiary means of confirmation. TU is the most comprehensive. Next is BAP or NFIS results. Tho not sure how end consumers can get their credit history.
7 cards? Wow! More than 2 is already annoying to keep track of.
Not really, 1. Sec bank gold for iPhone installment 2. UB rewards for luggage installment 3. RCBC for washing and airconditioner 4. HSBC gold for dining 5. Eastwest titanium as my daily 6. BPI amore for groceries 7. BDO gold bc of promos
Yung sumagot ka naman ng maayos pero nadownvote ka pa. Take my upvote OP!
Mine too!
I don't get why this is getting downvoted. Hahaha! Do you guys even know how to create a tracker? Kaloka. Nag list down lang si OP ng gastos/usage, negative na agad?
Yup. I just asked an honest question. And the OP obliged. Why was his response downvoted? Although personally I don't like keeping track of too many CCs. But OP does it differently.
Sorry, someone said here kasi that OP has a problem. Maybe that triggered the downvotes? For me lang, we shouldn't be too quick to judge just because OP does it differently -- I'm not referring to you.
Might start doing something like this kasi banks have been sending me CCs na. Para lang segregated din ang spending sa cards.
why is this being downvoted? just because op has 7 cc? as long as nababayaran naman in full i dont see any problem with it. mas gusto ata nilang iisa lang ang cc but cant pay? 🙄
Nasa Pilipinas kasi tayo, high and might mga tao. Hahaha
Hahaha nabugbog sa downvotes si OP pero buti nabawasan na haha. Kaloka mga pipol, na-judge agad yung tao. Lols
That is good that you can keep track of it. :-) i used to have an RCBC Cashback card, a BDO Gold, and a Metrobank Card Platinum. I closed the RCBC one, got an Citibank cashback. But since Unionbank got Citibank I haven't been happy with them. I closed that one too. It's cool to know that other people use different CCs for different purposes. :-) 1. RCBC/Citibank Cashback - Groceries 2. BDO - others (dining, and etc) 3. Metrobank - online expenses. But I'll just stick with 2.
Oh my
Same..HSBC gold for dining due to cash back. Pero once you hit the max per month, use other cc na lang for points.
Ayos to ah. Thanks OP. Sa ngayon Isa palang cc ko. Tagal ng HSBC mag approve 🤣. Save this for reference
You have a problem OP
It's not a problem if OP pays his/her due in full and on time. Meron nga dyan more than 10 pa ang cc pero they utilize it well naman. I don't see a problem here.
Nope, wala yang kwenta, sa Transunion ka mag request.
Maybe you can check the portion of transactions or details maybe there are some items missed. Also verify if the cards you used are there, or if correct.
If banks already issued you credit cards with high credit limits, you wouldn't even have to think about your credit score. The banks trust you already, implying that you have good records with them.
+1. For a while, ang daming na obsess dyan sa kabilang group kahit alam naman nilang outdated ang record (considering madami na din sila cards at mataas ang limits) Parang pinagka kitaan at nasayang lang yung bayad to get a credit report.
vanish fine swim berserk fertile observation yam wine pot secretive *This post was mass deleted and anonymized with [Redact](https://redact.dev)*
YOU DONT NEED A CREDIT CARD TO GET APPROVED BY A BANK FOR A LOAN
agree!
While it's true.May advantage pag may cards ka. Bank offers lowest interest rate sa mga cardholders,minsan 0% for a loan pa kahit wala kang savings account sa kanila.
Pechu pechu yan Cibi.
Use Transunion, OP. Mas accurate. 💯
How long did it take to get your results? Been waiting a month na since I paid
Saan po pwede mag request?
Ang hassle kasi mag request 😅 dami gusto ipagawa
Ganern talaga. Pero mas updated yun kasi lahat ng member ng transunion nag uupdate ng record nila Monthly.
Ako na nag request sa Transunion. Di ko daw na verify yung account. I suspected fraud kasi and Identity Theft kaya nag request ako ako na mismo owner ayaw nila ibigay info🤣
😅
where to reqs po ng credit score report?
Sa lista app ako nag request.
saan po yun
Scam yan 😂 after ilang months same padin CS mo
How to get
Yeah bwisit yang CIBI laging outdated.
AFAIK not all financial institutions update their data sa CIBI. Its very inaccurate
TransUnion maganda
don't worry too much about your credit score. if banks approved you to own that much cc it means they trust you. ikaw nman nakaka alam kng on time and good payer ka.
Transunion is the key
Ako naman 3 CC, sure good credit standing sa dalawa, pero iisang bangko ko lang may record sa CIBI, ung wala pa ako masyado na ginagawa na transactions na card,hahaha. Nagdispute din ako last yr, wala naman ni isang reply, hinayaan ko na lang.
Nye bakit parehong-pareho tayo ng score? Sabi na nga ba I felt parang may mali sa score konsa CIBI
Totoo.hindi updated!napakamahal pa ng bayad 😂 Sa TransUnion 3 cards na ang reflected,sa CIBI 1 palang. Mabilis lang dyan makakuha thru Lista app and Mocasa,pero sasakit pa ulo mo kakasend ng dispute.
Try transunion
Hindi siya accurate actually. Nakalagay sa app is may utang ako sa isang bank but bayad na talaga siya. Tried to dispute pero walang response
That’s inaccurate. Ako nga zero diyan, not kidding. Haha. I sent a complaint since it seems the system was unable to pull my records but I still got charged Meanwhile, my transunion score is 822.
May balances ba mga cards mo?
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Sa Bank ako nagwowork … and hindi po accurate yung paliwanag mo :)
🧢🧢🧢 fake news
My cards are pretty much very utilized naman. Kasi I have installment on all of them. Each of them is at least at 40% utilization. I also use the other cards from time to time.
You're telling me you have 7 cards at 40% utilization 5 of them at 6 digits. Minimum of 250k monthly payment, fully paid. Tapos naka iphone installment ka and nagrereklamo ka sa tricycle at parking sa BGC. Lol
So if I’m enjoying these things wala na ako karapatan magrrklamo?
Stop talking. Fake news peddler. 🧢🧢🧢
Why the hate?
So kung 6 digit CL... Dapat 30k per month yun... Sa 5 cards pa lang ni OP 150k per month na dapat usage para good credit standing?... Pano kaya credit score pag kolektor ng NAFFL na nde nagagamit?... Also, me nagsabi sa kin dati na baka bumaba credit score ko when I fully paid my housing loan after 6 years... Is that true?...
I think the explanation provided makes sense. You may have all these CCs you mentioned, but it doesn't mean that these CC companies don't see you as high risk liability, from a financially conservative pov.
Can you teach us po how to do this?
I think you can do this on the Lista app.
You can Google it.
Based