a new credit card arrived today..

creditcard mania - Credit cards...have you had your one today?
@rangics (1335)
Philippines
September 26, 2008 6:25pm CST
I actually couldn't remember how on earth I got approved by a creditcard company?? I've got previous attempts of applying other card companies but to my dismay, none of them were approved.I already have 2 existing creditcards and I have been using these stuff for a year now. I was really surprised when I received this new one that I have not applied.I wonder how this thing happened?What could be the possibilities for these? Have you experienced this too? Happy mylotting to all! ;)
4 people like this
13 responses
@arkaf61 (10882)
• Canada
27 Sep 08
It's sometimes difficult to be approved even when one doesn't apply let alone receiving one when no application has been made. Are you sure it's not one that you ha applied for previously? I know that in here, around Christmas time they hardly even check and everyone is basically approved, but not without an application :)
@arkaf61 (10882)
• Canada
27 Sep 08
sorry I guess I was still asleep. Of course I meant " it's sometimes difficult to be approved even when one applies.."LOL
1 person likes this
@rangics (1335)
• Philippines
1 Oct 08
it's alright pal...nobody is perfect anyway...hihihi... thanks anyway for dropping by..;)
@JOIEMARVIC (2342)
• Philippines
27 Sep 08
try calling the bank.. sometimes,eventough you do not activate them,the bank sends you bills.. some cards are also autonatically activated after a certain period of time..
@rangics (1335)
• Philippines
1 Oct 08
yes, i'll do that pal. thank you ..;)
1 person likes this
@cdparazo (5768)
• Philippines
27 Sep 08
That is a common situation. A lot of people do receive pre-approved credit cards. However, once you start using the card, you may be asked to submit first some requirement or papers before you could really fully use it. I had received such card once without even applying but I was required to submit my ITR first before I could really use the card.
@rangics (1335)
• Philippines
27 Sep 08
really? my, I need to inquire this creditcard sooner..Thanks for the info pal. ;)
1 person likes this
@zandi458 (27952)
• Malaysia
27 Sep 08
Credit cards are plastic money that is of no significant to me . I used to have a list of credit cards in my keeping. No doubt credit cards are useful only when there is a real need of it like when one is travelling abroad. Otherwise they fleece your money and disrupt your budget. I decided to destroy all my credit cards because I have no control of the usage of these cards. I really had bad experience with credit cards when I exhausted all my cards to the limit and was unable to come up with fast payments and was sued. I decided that I would no longer want to own one but instead rely on debit cards where I can monitor the flow of my cash. Getting approved for a credit card when you have not applied for it is not known to happen but maybe it is given from the bank where you have an account.
@rangics (1335)
• Philippines
27 Sep 08
so far, my experiences of having a creditcard is good. I still have not encountered tough situations subscribing to this creditcard companies. Good for you that you have decided to cut all your accounts for this things. Sometimes we can't help but be tempted to swipe for not so important things we see in the mall. Thank ypou for sharing pal ;)
1 person likes this
@roniroxas (10576)
• Philippines
27 Sep 08
is it from BDO? i am a member of SM advantage and use it at SM everytime i go to the grocery. it was also a shocked to me when i received a ready made credit card. but i was not able to activate it for they are asking for payslip. i dont work on an office nor on a corporate world so there is no way that i can have a payslip. i was so sad that only people who works on the corporate world can enjoy the benifits of having a credit card
2 people like this
@rangics (1335)
• Philippines
27 Sep 08
It's not from bdo pal, it's from Union bank. I still have not activated my card for I'm not yet aware of the services they offer. I'd be calling their toll free number sooner so that I'd be informed about their offers and privileges. ;)
1 person likes this
@Jhordie (5115)
• Philippines
27 Sep 08
I had the very same experiene JUST LAST WEEK! I never applied to any bank for a credit card but still I am happy because it is my FIRST CREDIT CARD EVER IN MY ENTIRE LIFE. Always tempted to apply for one but always hesitant that is why I never pursue my plan of having one. but now, i do have a credit card EFFORTLESS! lol
2 people like this
@rangics (1335)
• Philippines
27 Sep 08
Wow! Good for you pal. hihiihihi..Really effortless.. ;) Thanks for dropping by.. ;)
1 person likes this
@marina321 (4561)
27 Sep 08
Do have a good look at the figures. Interests, charges and the like... Since you already have two credit cards, do you really need another one? You have got to pay off al the money you use on them eventually so do you need to get into more debt? The current economic climate is not very great and I would not take any more credit even that handed to me on a plate (ummm, through the mail box too)
@rangics (1335)
• Philippines
1 Oct 08
Yes that's true friend. i'm gonna make comparison for this thing too. thanks pal. ;)
@marina321 (4561)
1 Oct 08
Thanks for the BRHappy myLotting
@rangics (1335)
• Philippines
3 Oct 08
u deserved it pal ! Godbless and more power! ;)
@Zelmarq (11503)
• Cebu City, Philippines
27 Sep 08
Congratulations my friend! Im still waiting for mine to arrive, I dont know if they will approve the application. I have two existing credit cards and am planning to disconnect the two in exchange of the new one, I know the new one would be free of charge and thats what I really want. have a nice day and thank you for sharing.
1 person likes this
@rangics (1335)
• Philippines
1 Oct 08
thank you pal... i'm just quite hesitant honestly for the activation of this new card I've received...hihihi..happy mylotting friend. ;)
1 person likes this
@Zelmarq (11503)
• Cebu City, Philippines
1 Oct 08
You are most welcome rangics, you should have it activated and enjoy swipping it.LOL Have a nice day and many happy postings.
@deebomb (15323)
• United States
14 Oct 08
I get about 6 of these a month. I just chuck them into the garbage. They just cost too much money. Look at what it cost you every month. I'ed rather have the cash to spend on something beside interest and a payment. I do have a credit card but as soon as I can get it paid off no more of them for me. I'll save up the cash for what I want and have an emergence fund instead of relying on a credit card for it.
1 person likes this
@rangics (1335)
• Philippines
16 Oct 08
That's true pal. They actually charge us with expensive annual memberships fees. As soon as I reach my 1st year of being a cradholder, I'll immediately cancel my account to avoid other fees..hihihihhi
• Philippines
28 Sep 08
definitely a big yes. it is possible. if your card was disapproved before, the agent who processed your application reapplied again. that's the reason why you got your card. since the agent knew the reason why you were disapproved before, they try to reapply and making it a big percentage of approval for the card for wanted. but the disadvantage of that, they can processed it on different cards too without your knowledge or approval, just for the heck of making a money out of it. its about disclosing your legal information and you cannot control to get hold of it as soon as you gave it out with supporting documents. its called networking-call center marketing strategy.
1 person likes this
@rangics (1335)
• Philippines
1 Oct 08
thanks pal. ;)
@winterose (39918)
• Canada
28 Sep 08
call the bank and ask them, that is all I can think of
1 person likes this
@rangics (1335)
• Philippines
1 Oct 08
yes I will pal. ;)
@mimico (3619)
• Philippines
27 Sep 08
I've had the same experience a few months before. I had always wanted my own credit card because it helped make payments easier. But no one really approved my application because I didn't have a job yet and my only source of income is from the allowance that my parents gives me. Anyway, one credit card company finally sent me a gold MasterCard which made me really happy! I guess these credit card companies just need to be careful when screening applicants so I don't mind getting rejected.
1 person likes this
@rangics (1335)
• Philippines
1 Oct 08
true indeed. ;)
@jstmarfz (1499)
• United States
27 Sep 08
It is because they saw your credit score or your transaction using your credit cards. If they think you are a good payer through your cc, they will be the one to send you a card. But it is up to you if you will accept it or disregard it. It is happening normally. BUT you have to consider also the percent interest and not just accept the credit card. If you are a good payer, more points you get and probably more cc will offer to you.
1 person likes this
@rangics (1335)
• Philippines
1 Oct 08
i'm gonna put it into a good use pal. thank you..;)