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As freelancers, how do you guys apply for loans and credit cards?
37 Replies
usually bank SOA or bills na mga binabayaran as proof of financial capacity pede na siguro (not a freelancer here).
I was denied when I enrolled a cc in BPI. Then after a month someone call from the bank that I can avail and said yes. It must due to my high remittances.
Keep at least 20k sa savings account for at least 6 months, eventually they will call offering a credit card
Dapat po meron kayong bank account na malaki ang balance and lagi may laman. Posible kayo magka pre approved CC. My mom does not have an ITR pero dahil meron siyang maliit na business na lagi niya need magpa Managers check meron soyang CC ngayon na 500k limit. Sa car loans, dinadaya naman ng mga agents ang requirements e sila na bahala. Pero still mejo mahirap pa din. Mahirap pag housing loan kasi bank mismo yan or PAGIBIG. Requirement talaga ITR
Pero po malaki ring factor kung meron ka pong bank account at labas pasok ang pera. Malaki rin ang factor kung malaki laki ang pera na pumapasok dito. And if freelancer ka na from upwork, need mo po ng certificate from upwork kung magkano ang monthly and annual income mo. Maraming freelancer na may credit cards. :)
I have a bank account and di ko talaga sya ginagalaw kasi gusto ko talaga magka-cc for business purposes. wala kasi akong ITR and independent contractor ako sa current employer ko and hopefully pag nag-apply ako eh ma-approve agad
Kaya importante tlga registered self employed ka and pay taxes. Or else lilitaw sa record mo jobless ka kahit may laman bank account mo. And bka ma report ka pa
Maintain atleast 200k sa bank mo sila mismo mag sesend ng credit card sayo without applying
you can get sa rcbc, if you avail of the passbok + atm for 10k. You'll get a complimentary cc of 5k limit. Thats a good start 🙂
I applied for a car loan na wala akong na-save sa bank hehehe pero nakakuha ako ng new car.
I have 7 CCs pero nagsimula sa pre approved. Wala itr or any docs nung natawagan ng bank. Freelancer nko nun. Tingin ko pag nakita nla na labas pasok pera sa bank dun sla magoffer. Kasi non wala naman akong minemaintain na balance sa savings. Laging withdraw dn.
Sa BPI you have to apply for a savings account, deposit 10k. Let the teller know that you are converting that into a Credit Card account. That's it :) if you're already receiving your pay through BPI, no need to apply for a separate savings account.
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When paying, as much as possible, use your debit card. Tinitignan nila dc usage mo if mhilig ka talaga sa cashless payment.
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Maintain at least 20k in your bank account for six months
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Pay your tax. For ITR
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Find a good bank agent. They'll find a way for you.
Here what i did. nag bank ako s bdo. for more than 8 months magandang ang status ng accnt ko sila n mismo nag offer. pinadalahan ako ng credit card. kapag may cc kn, aply k ng cc s citibank, mababa ang monthly interest nila. sila ang may pinaka mababa 0.59% kapag mag loan k base dun s cc limit mo
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