October 15, 2015

Request for Credit Limit Increase - RCBC Credit Card

I got my RCBC Credit Card Visa last April 16, 2015. My credit limit is 15,000. I usually pay my purchases before the due date and in full. I do not pay the minimum due because I hate the finance charges.

It's a great help for me as I don't have to pay everything in cash. I applied for a supplementary card for my sister. Lately, our combined purchases took all my credit limit so I really feel the need for a higher credit limit.


I called their hotline to request for an increase in credit limit, it was October 3, 2015. I was told to check on Friday (October 9, 2015) regarding the status of my request. So, I checked. No increase. I called back again to follow-up, I was told to check back again on Monday (October 12, 2015).

October 12, 2015 - I called back again as I was told. The representative told me that my request is for approval within the day. That pleases me though. The next morning, I checked on my online account and found no increase in my credit limit.

I am starting to get irritated because I know I am a good payor and I really need an increase in my credit limit but they seem to not give me a concrete information as to when they would grant my request. So, I emailed their service@rcbcbankard.com and state my concern. I receive a reply in this manner:


I waited and still hold on to my temper and called back on October 15, 2015 to follow-up my request. Their customer service representative told me that my limit is still the same. I asked her when should the increase took place because if I won't get it, I will cancel my account because I cannot used it anyway. She hold me for a moment and then told me that my request was approved but it has not yet posted on my account. I was again told to check the following day.

There again, next day. What I dislike is that they won't tell me the lead time of their processing for approval or declining of request. Sigh. I had to make a bluff for them to grant such simple request.

Kung magcha-charge sila at magpopromote ng kung ano-anong promo ang bilis2. Pero ang pag-increase ng credit limit sobrang tagal.

Let's see where this goes. E-check ko nga bukas.

October 16, 2015 at exactly 4:24pm, so I checked. Nothing changes. Sigh. I am starting to get pissed off now. I was hopeless but then I still make a reply to their customer service email address. I also message their facebook page regarding my concern.

October 17, 2015. I receive their reply saying that my credit limit has been increased from 15,000 to 30,000. When I checked my account, it has been posted. Finally! When I am about to give up. Pahirapan pa. Dear heavens!

30 comments:

  1. ma'am hindi po pahirapan ang CLIP or credit line increase program. hindi po ibig sabihin eh nagbabayad kayo eh agad-agad na. may kinokonsider pa kasing ibang bagay.

    sa ibang bank nga required ang ITR, kasi kung hindi naman tumaas ang income mo, why should you ask for CLI in the first place. lalo na ang initial limit ng account ay base sa mga docs mong sinubmit.

    ReplyDelete
  2. I did enjoy reading articles posted on this site. They are impressive and has a lot of useful information. How to increase credit limit

    ReplyDelete
  3. I like this part very much. I am very much interested to know about the ethics. Every one should have ethical values in life. Self Storage & Self Storage in Bangalore

    ReplyDelete
  4. I really enjoyed this article as it pointed out a bunch of interesting points and made me think a little bit differently about the issue. help me save money

    ReplyDelete
  5. Very Useful information, this is both good reading for, have quite a few good key points and I learn some new stuff from it too. THANKS. kaal sarp Dosh Nivaran mantra in hindi

    ReplyDelete
  6. This kind of set up is usually undeniably the specific massive standpoints associated with obtaining check out uniformity investigation. The exact can make are typically well known magazines the values therefore mannerly. Convenience an individual associated with releasing myself on the set up! NEET coaching class in Mumbai

    ReplyDelete
  7. First You got a great blog. I will be interested in more similar topics. i see you got really very useful topics, i will be always checking your blog thanks.. Cochin University of Science and Technology (CUSAT)

    ReplyDelete
  8. It is a very informative and useful post thanks it is good material to read this post increases my knowledge. الايام

    ReplyDelete
  9. Such a very useful article. Very interesting to read this article.I would like to thank you for the efforts you had made for writing this awesome article. amazon rezensionen kaufen

    ReplyDelete
  10. Thank you for helping people get the information they need. Great stuff as usual. Keep up the great work! cannabis retail businessplan Canada

    ReplyDelete
  11. Thanks for writing such a good article, I stumbled onto your blog and read a few post. I like your style of writing. Cannabis business ideas

    ReplyDelete
  12. The first several months of my site there were no comments; just give it time; now they come in like crazy every day! Thanks. vacation homes for rent by owner

    ReplyDelete
  13. The world is changing fast. people are also being changed.day by day we are becoming more dependent on digital system.you make me think of this really.You have a nice way of sharing your thoughts. רדיאטורים לרכב

    ReplyDelete
  14. This announcement should be listened to by everyone in the clear. Thanks for putting an effort to publish this information and for sharing this with us. scannable id

    ReplyDelete
  15. This is a truly good site post. Not too many people would actually, the way you just did. Praktisk afklaring

    ReplyDelete
  16. This is really my very first time here, great looking blog. I found a lot of interesting things inside your blog especially its discussion. From all the remarks in your articles, it appears like this is really a extremely popular website. Keep up the truly amazing work. Find Car Bumper and Accessories

    ReplyDelete
  17. This was a really outstanding post. In theory I'd like to compose like this too - taking time and real effort to make a solid article. Half Sided Fish Mount Replicas

    ReplyDelete
  18. Very efficiently written information. It will be beneficial to anybody who utilizes it, including me. Keep up the good work. For sure i will check out more posts. This site seems to get a good amount of visitors. Free Lottery Florida

    ReplyDelete
  19. We are really grateful for your blog post.You will find a lot of approaches after visiting your post.I was exactly searching for. Monogram Passport Holder

    ReplyDelete
  20. With exercise bike like this, I can feel the respiratory system that is better than before exercise. Therefore I think there is no harm if we change the unhealthy lifestyle that we've run with a healthy lifestyle. Tripod Turnstile

    ReplyDelete
  21. Hello,
    I will read your whole article, that is very nicely written and informative also. Thanks for sharing keep sharing these type of article.

    online vashikaran specialist

    ReplyDelete
  22. I need these details to complete this function indoor university, gifts the exact same trouble together with your publish. Relation, amazing verify. toefl speaking question 3

    ReplyDelete
  23. We are really grateful for your blog post. You will find a lot of approaches after visiting your post. Great work. KBF India pvt ltd

    ReplyDelete
  24. My business is very liked because of this web site. Can be an beneficial matter. The item help me quite definitely in order to resolve some troubles. Its chance are usually and so excellent along with working design and so rapid. Neonatal and Paediatric Occupational Therapy Services

    ReplyDelete
  25. It is perfect time to make some plans for the future and it is time to be happy. I’ve read this post and if I could I desire to suggest you few interesting things or tips. Perhaps you could write next articles referring to this article. I want to read more things about it! neon signs

    ReplyDelete
  26. Most of the time I don’t make comments on websites, but I'd like to say that this article really forced me to do so. Really nice post. bamboo bed sheets canada

    ReplyDelete
  27. Someone Sometimes with visits your blog regularly and recommended it in my experience to read as well. The way of writing is excellent and also the content is top-notch. Thanks for that insight you provide the readers! Microsoft Dynamics 365 Sales Credit Card Processing

    ReplyDelete
  28. Look at the way my acquaintance Wesley Virgin's autobiography starts with this SHOCKING and controversial video.

    You see, Wesley was in the army-and shortly after leaving-he found hidden, "mind control" tactics that the CIA and others used to get whatever they want.

    As it turns out, these are the same tactics tons of celebrities (notably those who "come out of nothing") and the greatest business people used to become rich and successful.

    You probably know that you utilize only 10% of your brain.

    Really, that's because most of your brain's power is UNCONSCIOUS.

    Perhaps that thought has even occurred INSIDE OF YOUR own head... as it did in my good friend Wesley Virgin's head seven years ago, while driving an unlicensed, trash bucket of a car without a driver's license and with $3 on his debit card.

    "I'm very fed up with going through life payroll to payroll! Why can't I become successful?"

    You've taken part in those conversations, right?

    Your success story is going to be written. Go and take a leap of faith in YOURSELF.

    Learn How To Become A MILLIONAIRE Fast

    ReplyDelete
  29. You know your projects stand out of the herd. There is something special about them. It seems to me all of them are really brilliant! cut and polish perth

    ReplyDelete
  30. There are a few identifying with data locales on a very basic level substance pieces close to identified with this particular planned organization, then again, you will get bought another worry all the while. It is in actuality solid information records with thanks a ton identifying with revealing which regularly. Central African Republic License Plate embossed with custom number or text

    ReplyDelete