RCBC Bankard FLEX Credit Card VISA - IN DEPTH REVIEW 💳💸
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- Опубліковано 21 лип 2023
- ///ONLINE APPLICATION 👇
applications.rcbcbankard.com/
///Lazy viewer might click HERE (lmao) 🙄
0:54 - Requirements / Eligibility
2:22 - Online Application
5:14 - Benefits and Features
7:20 - Pros and Cons
13:50 - Unli Installment
19:00 - No Annual Fee & Waive
22:27 - Increase Credit Limit
24:11 - Final Thought
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///ONLINE APPLICATION 👇
applications.rcbcbankard.com/
///Lazy viewer might click HERE (lmao) 🙄
0:54 - Requirements / Eligibility
2:22 - Online Application
5:14 - Benefits and Features
7:20 - Pros and Cons
13:50 - Unli Installment
19:00 - No Annual Fee & Waive
22:27 - Increase Credit Limit
24:11 - Final Thought
///Disclaimer:
The video is not sponsored. Support my channel by not skipping ads (yey). PeaceYow 🤜🤛
///F O L L O W M E 🤜🤛
Instagram: instagram.com/markydelacr...
Threads: www.threads.net/@markydelacru...
FacebookPage: facebook.com/markydelacruzTV
Tiktok: www.tiktok.com/@mrkydlcrz
Iba po ba tlga? Kasi same na same as in, flex visa din po pero Gold lng po talaga ung color. Itinawag ko din sa RCBC kng mgkano ang annual fee sabe nila 1500, pero pagpasok ng annual fee 3k. Nkakaloka
@@EAnnGarcia iba po ang gold, pero alam ko po ya mas marami pk atang benefits yan. hehe
@@MarkyDelaCruz sir ask lang po pwede po ba magamit ang flex card ni rcbc sa grocery,purchesing ng appliences and gadgets？thabk.you
@@user-st1si4gg7r yes po.
@@MarkyDelaCruz good day po ask ko lang po kung bkit po iba ung feature ng card sa rcbc online.banking ko po at sa physycal card po then ung credit limit ko po 21k pero pag e.combine po ung nagamit ko at sa limit ko d nmn po aabout ng 21 k like blance po 8k then ung remaining 9k nalilito lng po ako
Salamat Po sa Info sir Marky
Very informative and organized video, Keep it up!
Hi! I’m planning to get my first cc and I decided to get this one po sana, I’m a virtual assistant and workin for a month now, need ba ng itr and payslip?
New subscriber here plan ko rin po mag avail nyan, medyo hesitant pa lang ako for now, due to my first cc experience on other banks.
I really appreciate this. Hopefully you can make a video explaining how RCBC flex CC statement of account terms and sample scenarios. next time. Keep up the very great content you put out!
thank you so much po. ❤
super helpful.ty.more more vlog😊
May i know where did you get the information that the eligible age limit to apply for rcbc mastercard flex visa is 21 - 100 yrs old? Where did you get that information? I scan the rcbc website for the age limit and found out that the eligible age limit is 21 - 65 yrs only, but your vlog says 100 yrs is the maximum limit, i would like to apply for flex visa but im over 65 yrs old and im afraid i wll be denied. Are you sure of the 100 yrs old limit is true?
To avail the int.lounges po kelangan po ba ginamit yun cc pag bili ng ticket? Paano po kung cash gamit?
I made a purchase sa stockx and used it as payment method. The item worth 130 USD nung na covert sya into peso d nmn malayu palitan compare sa usd to php present value nun tpos charge lang na extra ay 149 pesos for currency transaction. I dont think na Mahal yung 1.68% na convertion. For me it is a fair charge. Isa din reason bakit di ko mind yung charge is nag round off ako so kung palitan is 56.8 i make it 57 na pars may buffer ako incase mag flactuate yung palitan at somehow maaddress ko din yung currency charge
Hi! Pano or saan po pwede mag choose ng category?
may points ba si flex visa pag ginamit sa grocerries?
No gas purchase category po,
what will happen po if mag pa gas up ako using this CC po?
Ask ko lng po paano po mag pick categories kay flex rcbc? Thank you po
I also have that type of Card and just recently i used it sa Petron for gas.
Pwede po ba dito ang online shopping to earn points? And nawi waive po ba annual fees sa RCBC Flex Gold visa?
San po ba nila epapadala yung SOA, sa email po ba namin?
Hi sir sana po masagot. Bale po if maka spend ka ng worth 20k for 60days, automatic ma waive na tapos NO ANNUAL FEE FOR LIFE???
Rcbc flex visa dn po cc ko d ko pa inopen .
Paano po pumili ng preferred categories?
Hello po saan po makikita Kung pwde installment kc sakin hndi ko po makita
Done follow, tama ganda rcbc flex
Kua san po nakita mo ung pin number
You didn't discuss issue on interest charges. I have an RCBC Card and they charge me two times for the interest rate. Meaning the interest is charge twice first on the current month and next on the succeeding month.
pwede po ba sya gamitin sa pagbili ng appliances?
❤❤❤
Thanks for the meaningful comments ❤️
Hello. Paano po magbayad ng credit? Thank you.
Sana mga credit card pwede ibayad sa supplier para sa business hehehe ano kaya cc ba ganun
As a new credit card holder ang dami kung natutuhan sa 25 minutes video na ito. Very informative. Good job Sir it really helps a lot.
thanks for watching 🫰
Kelangan po ba tlga ung annual income is 250,000 ilalagay po? If ever d abot ng 250,000 ung annual income po? Pde po bang ilagay 250k wla po ba clang hahanapin n payslip po?
New sub here..Sir ask q lng po nakakalito un app ng rcbc, meron din kz rcbc pulz,
parehas pede gamitin sir. pero mas madali ung walang pulz.
Thank you
Tumawag ako kahapon para paadjust yung double points q. Sabi nung agent 3 na daw ang category na pwede ko i select kaya instead na i change nag add nlng sya ng transportation sa double points. Classic lng din yung card ko
magkano po
hi sir pano po pag clinick yung continue application tapos pag nagpapadala po ng OTP lagi pong sinasabi "this application is completed" kahit d pa naman po natatapos. kaya hindi po ako makaproceed sa continue application. ano pp pwedeng gawin sir? thanks po.
di ko po sure kung bkit po ganyan. try nyo po sa ibang araw or sa mismong bank po kayo pumunta para mas sure po ang application nyo.
Hello, bkit nung inenroll ko ung flex card ko sa rcbc digital app it appeared as visa classic lng not flex card. Ung features na unli installment wla don sa visa classic. Pano kaya yun. Eh flex card gamit ko not classic visa card.
helo sir! you can contact RCBC bankard customer service regarding to that matter. 😁
Sir, nagagamit ba to sa department stores, restaurants or any stores? Sabi kasi ng rcbc staff, after 6 months pa pwede maka request ng pin.
yes po kahit saan pede.
baka po ung pin na sinasabi ay ung sa cash advance? pero mtgal po ang 6months.
Kuys marky, if ever mag purchace ako ng 20k worth item to avail ung no annual fee for life, pwede ko pa rin po ba i convert kaya un sa monthly? Or madidisqualified ako sa no annual fee??
yes po. ❤️ wait nyo lang po ung confirmation bago kayo mag convert.
Hello po! New subscribers po... tanong lang po meron po kc promo yung RCBC ngaun na naffl.magspend ka po ng 20k for 60days. Once na spend na ba yung 20k. Stallment po ba sya ba2yaran nun?
you can use the unli installment po. 🫰
I have existing rcbc classic mastercard, how to upgrade credit card? Parang gusto ko ci Flex visa! Thank you po
call po kayo sa rcbc customer service. 🫰
If self employed. May DTI Registration ako at bank statement of account for the last six months. Wala pa ako ITR
if may agent po kayo. pede nyo pong ifollow nlang ang ITR once available.
tanong ko lang po regading sa Credit Card na ito may Paybill option sya example Payment to PLDT may charge ba ito pag ginamit mo ito pang pay ng bills?
wala pong charge. 🤟
Ask ko nalang din po Sir if pwede mag apply kahit below minimum income po yung current income?
itry mo ser mag apply. 🤜🤛
Bakit po d ko maenroll ung card ko s apps ng RCBC? lagi pls input values middlename? Anu po un? -newbie
try nyo lang po ng itry ❤
Bakit yung akin kuya nag swipe ako for groceries. 2 days na until now dipa nakikita yung recent transaction ko... Pero nabawasan na sa credit limit ko.
normal po un. wait nyo lang po after 3 days, hindi po kasama holidays and weekends.
Good day po sir. What do you mean po na no gas purchase? Di ko po magagamit every time na magpapa gas ako? Thank you
ang alam ko po. pede na po sya gamitin sa gas.
Bkit ung ung sa transact recent q walang arrow kaya d q xa ma lagay sa instalment
Bka po straight payment yong items
Best credit card for me ang RCBC meron along two cards sakanila sa 7 cards ko ito ang dabest😃
Hello po panu magbayad thru rcbc online ng rcbc flex cc 😢😢 bago lang po sa rcbc. “Rcbc cc banker” napo ba sila ngayon dun sa biller manage??
Sir ask lang paano pag enroll nyo sa rcbc credit card online banking
Same po
Kapag po ba my savings ka sa rcbc lage nag offer po ba cla credit card
depende po. pede po kayo mag apply. 🙂
Hello po kuya. Paano po makuha ang pin ng rcbc credit card Kararatibg lang po e
makakareciv ka po ng email or txt para sa PIN if mag-withdraw po kayo.
Upon Approval how many days it got delivered? Did the courier contacted you or atleast texted you?
wait within 15-20 days po ❤️
Ung sakin annual fee ko 3k, nagtataka nga ko kng bakit same lng naman tau ng card. Gold nga lang kulay
iba po ang GOLD hehe
SAYANG nauna ka mag apply lods lasy year for the nffl
meron na po ulit ngauon til march 2024.
Hello po. Possible po mag installment ng cash advance?
yes po. sa unlipay.
Saan po nakikita ung cut off ? Wala kasi sa papel na kasama . Tia
statement date yun yung cut off
Pano po kapag working as virtual assistant? Nag try sana akong mag apply, kaso komplikado ang mga details pag dating sa work information. Kahit self-employed ang piliin, need pa rin i-fill in yung employer details
try nyo po humanap ng agent na mas makkahelp po senyo pag aapply if selfemployed po kayo, may hinahanap po kasi na source of income..
Ok, thank you po sa idea. Hopefully makakapag-apply at ma-approved sana. 😊
Thank you sa tips Bro Marky. Pero meron lang sana akong gustong ipa clarify regarding waiving of annual fee. Less than a month palang kasi itong Flex Visa ko. Sabi mo, have a total transaction amounting to 20K for the first 60 Days to avail or to be qualified for waived annual fee. Pero hindi ba Bro Marky, newly activated card's annual fee is waived for the first year? If that's the case, would you please guide me if when is the 20K in 60 Days will take effect? Thank you Bro Marky!
hello po. sa ngayon po, wala pa pong promo si FLEX sa annual fee. 20k within 60days po ay no annual fee for life na - PROMO po nila before. pero sa ngayon, waiting pa po if magkakapromo po ulit sila. - sorry po di ko nabanggit sa video. ✌️
@@MarkyDelaCruz Ok. Thanks Bro.
Anyway Po may promo ngaun sa RCBC for 2nd card holder
Kailangan Yung first card ninyo is tagged as no annual fee tapos pwd Po tayong mag apply for 2nd card dapat pasok kayo sa application from July15 up to December 2023
Tama po ba to? Yung billing date ko po is every 3rd of the month. Nag apply po ko nung dec 6 and na received ko po yung card nung dec 22 lang. Ibig sabihin po ba nun, lahat po ng mga purchases ko simula dec 3 to january 2 is lalabas po sa soa ko this january 3? At yung due date ko is january 25? Saka bakit po may due date ako ng dec 25 sir eh nareceived at kaka activate ko lang po ng card ko nung dec 22 sir?
Thank you! Merry Christmas❤️
correct po 🫰 pero nagbabago po ang due date, 20 days po ang due date after bill date. 💯
Hello po panu magbayad thru rcbc online ng rcbc flex cc 😢😢 bago lang po sa rcbc. “Rcbc cc banker” napo ba sila ngayon dun sa biller manage??
Hello po. Yung 20k po ba ay kailangan bayadan agad para ma avail yung naffl?
wala pa pong promo ngayon sa no annual fee for life. pero you can waive po. 🤟
Question: my cards na ako from other banks like Citibank & Security Bank. I received a text from RCBC Credit providing a reference number of my application. And that I have to wait for 10 days for an SMS from them. Does that mean that I am approved? Kasi ganyan din yung experience ko sa Citibank nagprovide ng reference number. What do you think based on your experience? Looking forward to your reply.
if may mga CCs ka na po, malaki po ang chance na approval. minsan pinapadala na po agad nila ang CC without notification.
Fantastic! Thank you for the info.
@@jetreyes6132 Hi po, same po tayo ng experience tanong ko lang sana if nakuha mo yung RCBC CC mo?
Sana all 20k to 102k. Sakin never ako nadelay sa payment, ng overlimit pa nga pero na settle agad. Ngrequest ako after a year ang binigay na increase 20k to 25k. Napakabarat. Hehehe
mag-iincrease din po yan. wag ka lang po ulit mag magoverlimit 😀
Ako never nadelay ang payment, never nagOver Limit at di ko nasasagad yung CL ko pero di ako bigyan ng Credit Limit Increase. Buti pa si Metrobank, autoincrease, doble ang CL ko kay metrobank
Hello. Iyong 20k spend po for 60days, kelan pong promo iyon? Kasi wala po ako makita sa RCBC page na may on going promo.
ai. sorry sir, i forgot sabihin na nasa promo po ang no annual fee for life. sa ngayon po waiting po sa promo ulit. 😅
Nag Promo na sila ulit ngayun RCBC Flex card starting October 1 until December 31 2023 no annual fee minmukm spend 20k
@@MarkyDelaCruz
@@dennismichaelarenas2929 goodnews yan idol. apply na 🫰
pwede po iupgrade ang card na ito into flex gold visa?
hindi po..
Pano pag dika naman nag apply ng ganyan pero bigla nalang may dumating? Pasagot po kase naguguluhan ako😅
dahil yan sa agent mo idol. sinubmit application po sa ibang bank. 🙄 mali un.
Tanong lang po... nagdeposit po ba kau? Nag-aapply po ako ng card na yan pero nagdeposit ako ng 15k as secured card...
hindi po. .hindi ko po alam ang about sa secured card fee. sure po kayong credit card?
Hello po kuya, pwede mag ask? bago lang kase ako sa rcbc credit card. Ilang days po bago mag reflect sa online banking yung recent transaction na na swipe ko? like for example nag swipe po ako today, and gusto kopo syang iinstallment kaso dipo nagrereflect yung transaction na naswipe ko kaya di kopo maiconvert sa installment. Thank you
2-3days po. hindi po kasama ang sat at sun 🫰
Ito rin sana gusto ko itanong kasi nagswipe ako last friday. Hanggang ngayon monday hindi pa nagreflect sa online banking. Buti nasagot na ni sir. 😊
Hello po panu magbayad thru rcbc online ng rcbc flex cc 😢😢 bago lang po sa rcbc. “Rcbc cc banker” napo ba sila ngayon dun sa biller manage??
Pwede ba gamitin ang rcbc flex visa sa pag grocery?
yess po.
Na try nyo na po mag gas and gamit yang cc nyo?
hindi pa po sa ngayon ser.
Ask lng po if bago ka nag apply ng credit card sa rcbc, may savings account ka muna sakanila?
wala po.
@@MarkyDelaCruz I applied today po kasi may NAFFL promos ang rcbc sa cc nila. Ganun po ba tlga sila, wala man lng confirmation email or sms na they received my application whatsoever?
@@martinl781 may processing days po. minsan umaabot ng 2weeks. may tatawag senyong taga bank for confirmation.
Two months after receipt of card or after activation?
yes po. pero depende po sa promo..sa ngayon po ay wala pa.
bkit po ung saken wala sa recent transaction hndi ko tuloy sya maconvert sa unli installment 😢 nov 30 ko sya ginamit
wait mo lang sir. 3 banking days ang reflection ng transaction, hindi kasama ang weekends.
pang 3days na po nya ngayon pero wala pa din 😓
Pag hindi po ba na activate ang card, hindi ka naman mag accumulate for annual fee ? Thanks!
yes po. 👍
Magkano po😊
ask lang ser paano kapag Po ang Nilagay Ko sa Income is 200,000 pero ang tunay na proof of income ko po talaga is 20,000 something lang po possible po ba di ma approve?
annual income po.
@@MarkyDelaCruzah years po ba?
@@ruelavorque2162 yes po.
pwede po ba sya gamitin for groceries?
yess po.
Yung 20k po ba pede siang installment? Or one time lang?
pede po installment
Nag purchase po ako ng appliances thry CC straight payment macoconvert po ba sya thru installment?
yes po.
@@MarkyDelaCruz kanina lang po ako nag purchased usually po ba pag weekend di po sya realtime posting?
@@maryjoysubia1714 Hindi po. Ang realtime po ay ung deduction sa cl.
Yung pag taas nyopo ba ng CL niyo poba nag request po ba kayo ?
hindi po. pero if magrerequest 6months after CL increase. 💙
Natuwa din ako sa card na yan dahil sa unil pay and installment feature olus no annual fee pa for life. From 17k naging 104k after a year. Nagoffer pa sila additional card.
nice one! 🫰
tumataas mo ang credit limit kapg gagamitin sya
Si bank na po ba mismo nag increase po or kayo po nag ask para increase po nila?
Pano po magbayad ng rcbc cc thru mobile app?
Hello po panu magbayad thru rcbc online ng rcbc flex cc 😢😢 bago lang po sa rcbc. “Rcbc cc banker” napo ba sila ngayon dun sa biller manage??
Ilan month or years you got increased sir ?
after 6months po..
Madali lang po ba to mabayaran sa biller app ng BPI ?
I like to keep it centralized kase.
yes po. 2-3days ang magreflect sa cc.
@@MarkyDelaCruz ahh ok so nasa billers po pala ng bpi tung si rcbc. Thanks po kuha po ako sheesh
Sir tanung ko lang.. billing date ko kc is every 3rd of month.. kung nag sswipe ako from 4th day to lastday of month papasok n agad sya sa bill ko by nxt month of 3th day?
yes po.
@@MarkyDelaCruz sir pag nag purchase ka sa araw ng due date ? Saan sya papasok na bill?
@@OnlineCasinoSmallbet depende po idol if maabutan ka ng computation..
@@MarkyDelaCruz sir may video kaba pano mag pay sa rcbc credit using rcbc app..
Sir paano ko kaya makukuha flex visa hindi kasi dumating diko kasi pinansin nung nakaraan lagi syang attempt to delivery pero wala dumating.. ngaun ko nlaman na meron pala ako flex visa nung dumating ung gold Mastercard ko . Diko maopen online ung bago ko cc kasi naka connect yata to sa flex visa ko
may tumatawag or nagtetext po ba senyo na rider?
@@MarkyDelaCruz may nagttxt po
May ngttxt na attempt to delivery dw pero wala dumating ung gold lang dumating nagtataka ako may isa pang acct flex visa pero wala nman ako card nun
Sir paano mo malalaman Kung approve kana Kay rcbc
tru msg po or email 👌
New subs
Thanks for subbing 🫰
Pano po ba nag wwork ang credit limit? Lets say 20k credit limit mo and then nag purchase ako worth 15k via cc.
So ang matitira nlng is 5k credit limit nlng po? Ganun ba
yes po. 🙂
@@MarkyDelaCruz pano po kung naubos mo na agad sir? Jan napo ba ung time na mag rrequest ng credit limit increase
@@jcarlo19 pede ka po mag request for increase CL, pero usually po ay after 3 or 6months ang offer nila sa increase. ang bank ang magdedecide sa increase CL..
Sir,need po ba ng bank account pag nag apply, ng rcbc flex?
hindi po.
@@MarkyDelaCruz sir ag try po ako kaso po di psok ung salary need pa po ba taasan dipo ba sila mag hhnap ng pay slip hehe..thank u po
@@marianlim8337 hahanap po madam :) try nyo lang po.
Hello po panu bayaran yan flex cc ng rcbc thru rcbc online 😢😢
marami pong ways
pede po SM billing department
through another bank to RCBC
gcash, paymaya etc.
Panu po kung may rcbc kadin po online. Ang name biller po ba nila ngayon is “rcbc cc banker”
pwede po ba sya gamitin sa pagbili ng gadgets??
yes po.
@@jiin1994 if 6months up .may interest na po un. 🫰
sir pede po ba mag cashloan sa flex?
yes po.. 🫰
ilang months po sir bago kau na offeran ng cash loan?
Tinatanggal mo yang sticker or permanent na?
nilagyan ko lang po, personal info lang po. 🫰
@@MarkyDelaCruz may UB cc ka po ba? Ano po review niyo don
Hi po nagrereport kaya si HC kay RCBC?
anong HC po?
Home credit po
Pano mo magactivate nan
mababasa po don sa na pinag alisan mo ng card sa papel na pinadala sayo.
Nakapag gas na an ako gamut yan
thanks po sa info 😊
San nabili yung Jujutsu Kaisen na poster? Hahahahaha 😂
sa panabi lang po dto samin HEHE
How to know if activated na po yung card
magmemessage po senyo ang RCBC na activated na po ung card nyo. 🫰
Pwedi ba to mag cash to go?
yes po.
@@MarkyDelaCruz how to at ilang percent po ng credit limit mo ang pwedinh ma cash to go tas how much ang add on rate monthly?
@@raffyjun.p 50% po pede icash advance depende sa credit limit..rate po ay depende din.
Pano po malaman na approved. After po kasi ng picture nireroute back po ko sa home page. Normal po ba yun?
Hi sir sana po masagot. Bale po if maka spend ka ng worth 20k for 60days, automatic ma waive na tapos NO ANNUAL FEE FOR LIFE???
Rcbc flex visa dn po cc ko d ko pa inopen .
Sir. Magkano po magagastos kapag nag avail po ng flex visa?
wala po. mag apply ka lang po.