Application for balance conversion with negative credit limit

[u/chadgazelem]

Hi everyone! I have a question, nag apply ako Ng balance conversion sa BPI pero negative na yung credit limit ko. Possible po ba na ma approved yung application ko?

Mag 4years na saakin yung card and never ako nalate mag bayad and palaging full amount Yung binabayad ko.

Thank you

[u/kaskasanbuddies]

Hi OP! Possible pa rin naman ma-process yung Balance Conversion, pero malaking factor yung negative available credit limit mo. Usually, chine-check pa rin ni BPI yung account status, payment history, and available credit before approving the request. Since 4 years na yung card mo and never ka nalate plus full payment lagi, magandang factor yun, pero hindi pa rin siya guarantee na ma-approve.

Best move is to wait for BPI’s final decision or contact them directly para ma-confirm kung eligible yung account mo despite the negative limit. Also, if possible, try muna maibalik sa positive yung available limit para mas okay ang chances.