Credit Crap

December 18, 2009 lizacoroneza

why crap?

I have been applying for 3 months already. No CIs then DENIED?

1. RCBC Landmark-Anson’s Credit card: I applied October 12, 2009. I waited. I called the customer representatives (they said it’s on process). Then I decided to fill up another form (it was November 5, 2009). Until now, no signs of Credit Investigation whatsoever. I’m frequently calling. Still ON PROCESS. I’m getting pissed.

2. BPI Blue Mastercard Credit Card: I applied November 12, 2009. I gave necessary documents especially the original Certificate of Employment. I called after 3 weeks: DENIED! I don’t know why. I regret giving them my original certificate of employment.

3. HSBC RED Mastercard: I just applied today. But the agent gave me a heads up (which is a good thing). She told me that I might have a hard time getting a credit card because I don’t have TIN (Tax Identification Number). So, I ‘ll be getting one over the holidays, and pay the tax I need to pay in order to get a good financial standing. But she told me that she’ll help me. Oh How I wish it’s going to be okay. Anyway, I don’t expect too much from this. Good thing there’s a heads up from her.

Hay. I hope I can get one soon. I might apply for a secured credit card first before getting the regular one. But, I need to save up a lot. Anyway, I just need to lessen my expenses and save more.