100% Credit Card Approval with Bad Credit History

There was a time when you want to own your own credit card but no matter what you do, you can't get it to be approved because of bad credit history. It might have been be very awesome to buy your dream gadget and pay for it by credit card because you don't have a cash on hand. Having a bad credit score prevents you from getting a loan, mortgage, or a credit card.  It's a good thing that the bank nowadays offer credit card with no credit check and 100% approval. Here are the banks in the Philippines and their respective credit cards that offer an easy credit card application and approval process.

1.     BPI Express Start

The simplest way to get a credit card for Filipinos who have bad credit or no credit history.

Pros:

   ·         No monthly income requirement for BPI Express Start Secured credit card

   ·         BPI doesn’t check the credit history of secured card applicants

   ·         No need to submit any income documents

How to Apply for BPI Express Start?

 1.      Visit any BPI or BPI Family Bank

 2.   Open a deposit amount. Hold-out amount should be at least P10,000 for ATM-based and Passbook Savings; P50,000 for Time Deposit .

 3.     Apply for a BPI Credit Card

Requirements:
¨  Must be at least 18 years old
¨  Must have a business or residence contact number
¨  Completely filled out and signed Express Start Application Form
¨  Completely filled out and signed Deed of Assignment

  How much is the credit limit?

   Applicant may get a credit limit of up to 90% of his/her hold-out deposit amount.

   To Illustrate: P10, 000 ATM Savings Account x 90% = P9, 000 credit card limit 

2.    RCBC Bankard InstaCard Credit Card Secured CreditCard

The fastest way to get an RCBC Bankard InstaCard credit card is through the bank's secured program.

Pros:

• 100% approval
• Guaranteed no credit check regardless of your past credit history.
• You can determine the credit limit that you want.
• Low revolving fee of only 2.5% per month
• Low membership fee of P60 per month for Regular Cards; P150 for Premium Cards
• Non-expiring rewards points for RCBC Bankard credit cards
• If you are a first-time applicant, the RCBC Bankard myDream JCB is best for you as it has the lowest interest rate and annual fee among RCBC Bankard's classic cards

How to Apply for RCBC Bankard InstaCard Credit Card?

1.  Choose the right RCBC Bankard credit card for you.

2. Go to your nearest RCBC branch to open an InstaCard account. Applicants shall be required to open a Savings Deposit account in any RCBC Branch following the required initial deposit and maintaining balance.

3.  Accomplish and submit the following required documents:

·    InstaCard Application Form (form available at the branch)

·    Savings Account Opening Forms (form available at the branch)

·    Deed of Assignment (form available at the branch)

·    Valid IDs

  Requirements:

  1.      Applicant must be at least 21 years old.

  2.     Applications for InstaCard will only be processed if the Applicant does not have a delinquent RCBC Bankard account.

  3.     A minimum hold-out deposit amount of P10,000/US$2,000 is required.

  4.     The Deposit amount indicated by the client for InstaCard application shall be put on hold and shall be subject to the following:

·   The Deposit account number and amount specified in the Deed of Assignment and on the application form shall serve as the security collateral and credit limit for the card.

·        Credit Limit assignment shall be 95% of hold-out deposit.

·   The hold-out amount shall be in effect until 60 days after the request for cancellation and until confirmed by RCBC Bankard.

 ·      If credit card is cancelled, hold-out on the deposit can only be released after 60 days to allow posting of late billings.

   5. Membership Fee is free for the first 12 months and lower than usual for succeeding months.

    6.    Revolving interest rate is a low 2.5% for peso cards and 2.0% for dollar cards.

3.    Security Bank Fast Track Program

Security Bank’s Fast Track program allows new and existing clients to open a savings account and apply for a credit card. The chances of getting approved is high for such applicants.

Pros:

·        A savings or time deposit account bundled with a 100% approved credit card

·         Fast processing in 3 banking days upon receipt of documents

·         Waived annual fee for the first year

·         Get rebates or rewards points for every transaction

·         No monthly income requirement

·         Guaranteed no credit check regardless of your past credit history.

·         Applicants may receive their card in three to five days

·         Build your credit history and credit score with your secured credit card

How to Apply for Fast Track Program?

1.      Visit any Security Bank branch

2.     Open a deposit amount. Hold-out amount should be at least P15,000 for Savings Account and P100,000 for Time Deposit .

3.     Apply for a Security Bank credit card

Requirements

   ·    Must be at least 21-65 years old

   ·    Must have a business or residence landline number

   ·    Completely filled out and signed Application Form

   ·    Completely filled out and signed Holdout agreement form

   ·    Government-Issued Photo-Bearing ID

   How much is the credit limit?

    A credit limit that is 80% of the holdout amount.

4.    Citi Simplicity+

Citi is one of the banks in the Philippines that have an easy application process, specifically for Citi Simplicity+. The bank offers credit cards for shopping, travel, and rewards, among many others.

Pros:

• No annual fees ever
• Doesn’t require applicants to have a Citibank deposit account
• Has an online credit card application and approval system
• Citi Simplicity+ has a low monthly income requirement as compared to other credit cards: PHP 13,846.15 (for clients with existing credit card) and PHP 19,230.78 (for applicants without a credit card)

Easy Approval Online Loan Apps for People with Bad Credit Standing

You are reading this because you needed a loan but you can't get approved by the bank or other loan agencies because of bad credit history even if you have a stable income. 

Online loan apps are appealing because of fast approval but bad credit score is preventing you from doing so. To start with, you just needed one government I.D and a stable income to qualify in getting a loan. Let's take some online loan apps where you can get a loan even though you have a bad credit standing. 

TALA 

Pros:

·        Approval for first-time borrowers is up to 2 hours. 

·        Approval for repeat customers is less than 1 minute. 

·        Disburses money during weekends. 

·        Interest rates are 0.8% per day. Lower than other online loan apps. 

·        Credit limit increases for good payers. 

·        You can re-loan immediately after repayment of the loan. 

·        Accepts Tin I.D (Some online loan apps only accept Unified-Multipurpose ID) 

·        Does not require work information to apply for a loan.

·        Disbursement through Cebuana Lhuillier takes up to 10 minutes.

·        Credit limit increases for good payers. 

·        Loan term is up to 30 days. 

Cons:

·        First time loan approval is only ₱1,000. 

·        Transfer of loan amount to the bank takes up to 24 hours.

·        Transaction fee through Cebuana Lhuillier is ₱120, through bank is ₱80.

ATOME

Pros:

·        Approval for first-time borrowers is up to 6 hours. 

·        Approval for repeat customers is less than 1 minute. 

·        Disburses money during weekends. 

·        First-time loan approval is ₱2,000 but credit limit increases up to ₱10,000 for good payers.

·        You can re-loan immediately after repayment of the loan.

·        Disbursement through bank takes less than a minute. 

·        No transaction fee when disbursement through bank account.

·        Accepts Tin I.D

Cons:

·        Loan term is up to 14 days only. Installment is allowed for loans amounting to ₱8,000 and above. Now, they are accepting partial payments but with corresponding interest. 

·        Interest rates is up to 0.9 to 0.14% per day. For example, a loan of ₱2,500 for 14 days has an interest rate of ₱476.

PESO2GO 

Pros:

·        Approval for first-time borrowers is up to 24 hours.

·        Approval for repeat customers is less than 10 minutes. 

·        First-time loan approval is ₱2,000 but credit limit increases up to ₱10,000 for good payers. 

·        You can re-loan immediately after repayment of the loan.

·        No transaction fee when disbursement through bank account.

·        Accepts Tin I.D 

Cons:

·        Transfer through bank takes up to 24 hours. 

·        Does not disburse during weekends.

·        Repayment is up to 14 days. 

·        The interest rate will be deducted from the approved loan amount. For example if the approved loan amount is ₱3,500, the interest amount of ₱1,280 will be deducted and you will get the total amount of ₱2,220.Pros: Approval for first-time borrowers is up to 24 hours.

PONDO PESO

Pros: 

·        Approval for first-time borrowers takes up to 24 hours. 

·        Approval for repeat customers is less than 1 minute. 

·        First-time loan approval is ₱4,000 but credit limit increases for good payers.

·        There is an option to increase credit limit by linking your Pondo Peso account to Shopee, Facebook, Lazada, Messenger, Coins.ph, Grab, and Google Play account. 

·        You can re-loan immediately after repayment of the loan. 

·        No transaction fee when disbursement through bank account.

·        Accepts Tin I.D            

Cons:

·        Transfer through bank takes up to 24 hours. 

·        Does not disburse during weekends. 

·        Repayment is up to 13 days. Although it says in the app that repayment is up to 14 days.

·        Service will be deducted from the approved loan amount. For example, if the approved loan amount is ₱4,500, the service fee of ₱1,220 will be deducted from the approved loan and you will get the total amount of ₱3,280.

        

ONLINE LOANS PILIPINAS 

Pros:

·        First-time loan approval is ₱3,500 but credit limit increases up to ₱20,000 for good payers. 

·        Accepts Tin I.D.

Cons:

·        Transfer through bank takes up to 24 hours. 

·        Does not disburse during weekends. 

·        It takes up to 7 days to re-loan after repayment.

·        There is no downloadable loan app for Online Loans Pilipinas. You have to log in to their website. 

#needacashloantoday #personalloan #onlineloans

Pore Cleaner Vacuum Tool Review – Is it effective in removing whiteheads and blackheads?

I have this tool for a month now and have been using over the weekend as a part of my weekly facial because our skin deserves a pampering facial to get rid of impurities acquired during the days work. I think this tool has been out of the market for some time now but I just saw this recently online and ordered it at once to try it out. I am talking about this Pore Cleaner Tool.

What does this pore cleaner tool do?

It claims to unclog pores by getting rid of whiteheads and blackheads by way of vacuuming. It also claims to rejuvenate the face and be able to attain that healthy glow.

This product comes with:

1. Main treatment tool

2. Four suction nozzle probes

3. USB charging line

4. Product manual

What are the functions of each nozzle?

This tool comes with four different replaceable working nozzles and it works by way of the following:

Microcrystalline  

The micro-crystal probe works by giving the skin an exfoliating effect for glowing and healthy skin.

Big  round  hole sucker  (strong  suction)

This is used to remove whiteheads and blackheads, grease, dust, cosmetic residues, etc. This is not recommended on fragile or thin areas.

Small round hole sucker (weak  suction)

This is used to treat fragile or thin areas.

Elliptical hole sucker (weak  suction )

This is designed for daily skin care for wrinkle-prone areas such as the corners of the mouth and outer corner of the eyes.

How to Take Good Care of the Tool:

1. Make it sure that the face is fully dried. Liquids entering the machine can cause damage to the tool.

2. Ensure that the filter sponge has been placed into the filter cup before use. Foreign particles entering the body of the air pump can cause blockage and may affect the tool’s vacuuming performance.

My Thoughts:

1. This beauty cleaner is very effective in removing whiteheads. But, it will take more than 2 sessions to entirely remove stubborn blackheads.

2. The micro-crystal nozzle is not that effective in exfoliating the skin. Unlike the commercial diamond peel system, the micro-crystal head has a smooth surface which is not that effective in getting rid of the dead skin cells.

Will I recommend this to a friend?

Absolutely, I will recommend this to a friend who has been suffering from recurrent whiteheads and blackheads as this beauty cleaner is very effective in unclogging pores and remove other skin impurities.