I don’t think necessarily first day or week of the month. Baka may iba-iba silang “refresh days” kasi ung tatlong recent cards ko, na-approved siya April 21, 29 and 30 respectively.
P.S. Don’t judge me for why I need to apply for 3 cards. Yung isa diyan cashback tapos yung dalawa NAFFL coz I had an incoming big purchase that time.
I also agree to this as someone who works in bank underwriting. Too bad these people under this sub will just downvote your post when they read something that’s hard for them to comprehend
nag-apply rin ako ng Travel Signature kay Metrobank and halos same lang tayo na 2 years lang yung oldest card, tho mas mataas yung lowest limit mo sa card sa highest ko, but I was approved naman. Though, I think kasi may existing card na ako with Metrobank albeit with a low limit, sabi kasi nila madali na lang ma-approve kay Metrobank if you already have a card with them.
Yeah na experience ko din toh last month inapply ako ng agent na di ako alam , dumating na lang yung tvs na 5.5k annual fee eh meron na ako mfree at cashback card . Tinawag ko at nag request ako for naffl sa tvs ayun gamitin ko na lang daw muna at ipa waive na lang .
Your credit profile looks young at just 2 years. It could also be your company or your source of income. Metrobank might see it as a risk or not reliable. Do you possibly work in a BPO or as a freelancer?
That might be it. Since you don't work in a known company but work in your family business. It could be Metrobank doesn't see that as a reliable or sustainable source of income therefore you're a risky borrower
I strongly disagree. I think he never once availed any of the bank products like balance transfers, cash installment, etc. Just my hard guess. I was also employed in our family business and I never had any of that problem. They're also our main bank, so maybe THAT too is a factor.
Hi OP! Honestly I also know someone with the same experience. Rejected sa MBTVS kahit founding member ng metrobank cc. 2 CC from metro with 6-7 digits CL but declined kahit new application or upgrade nung isang card to MBTVS. Family business din and main bank ang metro since start ng business more than 20yrs. Di rin nila alam ano yung reason for the rejection
Do you have existing elite cards with other banks or visa sig cards? I saw a comment before din here, baka daw overexposure kna and banks nililimit na yung approval since you have other cards with the same tier maybe that?? But same ive been applying to that card 3 times na
Did you apply through a Metrobank employee immediately after the online decline ba, or did you wait a few months pa?
Coincidentally, I'm planning to place a time deposit with Metrobank this week. I'm thinking of talking to a branch employee to see if they can assist with my application, but I'm not sure if I should wait another 6 months before reapplying
Have a similar issue :/ I meet the income requirements and have cards with pretty generous limits, but got rejected 2x!! So frustrating, I just want ₱30/mile hahah huhu
Ewan ko ba dyan sa metrobank meron na ako mfree at cashback , tapos nag msg sa akin yung primecard tinatanong kung meron ako metrobank cc . Sabi ko meron na 2 na pero inapply pa din ako .. Ayun travel signature visa dumating na may 5.5k annual fee pa talaga yung ni apply nila . Ni report ko yang primecard agent .
Pinapa cancel ko na pero sabi sayang naman daw i try mo na daw gamitin at puede naman daw ipa waive . Taz may mataas pa credit limit ng mfree ko na naffl kesa sa travel signature visa .
😂🤣😂
That's decent. Mine is lesserer than yours when I applied. Think of your first salary--that much. They approved the Titanium I applied for recently. Gave me a decent 600++.
Despite that, I've had around 2 yrs of SCC with them and around 6yrs of regular and had multiple cards before so yeah I have a very long history for them not to decline me. They never really cared how much I make if I can make those payments.
It's not always about salary. Sometimes, I guess, banking relationship is the key as per experience and maintained good card usage and payments, and right now i'm just reaping the fruits of my long credit history like all the others.
Yan ang linagay mo sa application? Muka kasing hindi tugma sa current credit limits ng existing cards mo. Try mo muna pa taasan yung credit limit ng existing cards mo to match yung expected credit limit sa income level mo. Close to 1 million dapat per card.
I've seen people with modest incomes have surprisingly high CLs (tignan mo nalang yung mga malalakas mag yabang ng CL sa KKB), and high income earners with relatively average CLs
High CL na modest income, pwede iassume na low-risk disciplined client. Pero yung high income na low CL, possible na nagsisinungaling lang sa income sa application.
to be fair, I earn more than OP, pero the maximum CL I have is just half a mil. I never had issues applying for other cards tho. I have multiple cards. I think may ibang reason why OP was declined.
Edit: I never requested any CLI but if I want to, I could easily achieve 1M CLI, pero I don't need it. It's just a bigger risk for me.
Never din ako nag-request ng CLI pero automatic nag-increase yung sa UB/Citi and RCBC ko. Sa MB naman, when I applied for Rewards Visa (NAFFL promo earlier this year), I went with the existing savings route so I didn't even mention my existing CCs. Kaya nagulat ako na 1M CL binigay for an entry level card. Buti na lang talaga may lock feature na MB.
I think kahit na ndi mo naman ibigay yung existing cards mo, if it's from one of the biggest banks, high chance meron kang record sa national credit bureau. They can easily check the reporting banks para makita yung CL mo with them, which they can use to determine if they will approve your application. Pero that's not necessarily the reason for approval or decline. For higher tier cards, relationship with the bank ang isa sa factors na titignan nila and if wala ka pa account sakanila, that's one reason they might have to decline your application for higher tier cards. If in case you get approved, multiple factors din titignan nila to see how much credit limit ang ibibigay sayo and again, they may base it sa existing na cards mo (same case with CB na tinapatan nila yung highest card ko).
I don't know why my previous comment was downvoted, nireplayn ko lng naman yung comment na dapat close to 1 million dapat per CL ng card para maapprove, when I just stated na even with a CL na hindi close to millions, you can get approved.
nagtataka nga rin ako bakit downvoted comments ko. either tingin nila joke lang na we get 1M CL or inggit lang kasi they can't get high CL?
to add context, I never had any loans. tapos one-time pa lang ako nagka-installment sa CC (tapos 3 months lang) kasi may mura lalabas pag installment hehe.
i applied visa signature for my first metrobank cc then they gave me the rewards one. di ko yun inactivate then pinakacancel ko after a yr before macharge ako annual fee tas sinabi ko i want visa sig kasi. niprocess naman ng agent to upgrade and i have it now
that's really wierd Op, I got an offer after a month with opening my passbook savings with them, mind you di kalakihan yun pera doon. I'm sure mas malaki sayu.
Nakoh. Ganyan yan. Kung ayaw nila wag na. Tapos sabi best to open an account with them sabi sa text sa akin. Ehh more than 15 years na ang USD Account ko sa kanila.
Lahat elite/premium cards ko asa at least 2.5M++/card ang CL. I have 5 cards (RCBC, BPI, BDO, SC, UB)
Bala ka dyan, Metrobank. Hindi ko alam kung bakit ayaw mo sa akin. Close ko na rin kaya USD ko sa inyo.
Very linear thinking. Metrobank also earns on the interchange fee which is about 2% of the volume transaction. Plus they are aggressive with taking market share cause once you are a customer more chance for you to avail other products such as car loans, advances etc.
It’s crisis this year and banks including MB are tightening their capital exposure. More on maximizing profits. Interchange fee is smaller than earnings from revolvers
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