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:
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!
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.
ReplyDeletesa 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.
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