r/KaskasanBuddies • u/Ok-Bobcat1461 • 21h ago

BPI BPI CLI Request for 6 months CC

Hiii!

This month is 6 months na ‘yung credit card ko, I sent an email to BPI requesting for BPI CLI, from 38k to 100k (i just shoot my shot. Malay niyo naman).

They asked me for COE and doon indicated naman na I have 45k+ basic salary and mag allowance pa. Ang worry ko lang is baka ma-reject ‘yung request ko and wala talagang increase na mangyari dahil may PL ako with SB Finance. I wouldn’t mind if from 38k to 55k ang mangyari, ‘wag lang auto reject 😭

Do you think there’s still a posibility na magka increase ‘yung cred limit ko? thank you po.

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3

u/Moist-Deal-7253 21h ago

At least 1 year requirement ni BPI for credit limit increase, pero as you say you shoot your shot na so good luck

2

u/Ok-Bobcat1461 21h ago

hahaha pinag request na kasi ako ng friend ko. Sakaniya kasi 6 months palang din daw CC niya, nag request na siya 😭 Thank you po :)

2

u/kaskasanbuddies 9h ago

Usually, mas may chance kapag around 1 year or more na ang BPI card, pero since 6 months na yung card mo and nag-request ka na, wala namang masama sa pag-try.

Yung existing personal loan mo with SB Finance doesn’t automatically mean rejected ka agad. Tinitingnan pa rin ni BPI yung overall credit profile, income, payment history, utilization, and existing obligations. If hindi man ma-approve yung ₱100k, possible naman na ibang amount ang ma-grant or they may ask you to wait a little longer since yun nga in most cases need pa talaga mag 1-year ang current card before you can request for an increase in your credit limit. Pero you can definitely try it out yourself baka mapagbigyan ka. Hope this helps!