How to get approved for a credit card! (If you are a regular Call Center Employee)

Source: How to get approved for a credit card! (If you are a regular Call Center Employee)

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How to get approved for a credit card! (If you are a regular Call Center Employee)

My ‘Makukulit’ na Niece and Nephew holding my new (just arrived) Citi Credit Card”,)

Everybody wish to have a magic ‘Plastic’ on hand that can turned your dream gadget/appliances into reality (LOL)- to buy,of course”,). But, having a credit card has a great indication that you can ‘Trust’ by the bank and capable to pay debts.

However, what if you are a Call Center Agent- already tried applying for the card and got declined many times? 

P.S 

I’m speaking for a regular employee which is a Rank-and-file position”,)

Personally, I was a Call Center employee back in 2010. There are numbers of BPO companies that I was employed before- to name a few, I’ve been with Results Companies, Teletech and Alorica.  What I want before is to have a credit card that can help me paying my shopping spree’. But, here’s the problem…

Every time, I will be interviewed by the bank teller and asked me what’s my Job Position (I said ‘I’m a Call Center Agent’) They gave me a hint that this application will be denied since I’m a BPO employee. Their explanation is because C.C Agent are ‘Black Listed’ in most Banks due to not paying their debts. 

Even other financing companies are hesitant to lend Call Center employees (Again I’m speaking for a Rank-and-file Agent position ha), I.E Mobile loans like Home Credit. Oh by the way I’m currently employed in H.C as Sales Associate here in SM Novaliches, I’m just relating my experience on my rejected applications at work. 

But again, you don’t need to be afraid to be declined for Credit Card as long as you have a good credit standing, have enough savings account, and other qualifications for you to get approved in the ‘Plastic’.

Anyways;

Here’s the things that you need to established for you to have a strong credit criteria!

1. Have a strong savings account in your banks.

Yes! You heard it right, you need to have a ‘withdraw-free’ account in your personal bank accounts. Time-deposit, passbook, savings account and others are needed. At least, six months continues deposits; good thing on some commercial banks today, once they see that you are eligible for a credit card (since you are their client) they will endorsed you to get one.

2. Apply for a RCBC ‘Instacard’

I’ve been with ‘RCBC savings’ for 3 years now and I’m very happy banking with them. Back then, when I’m still a Call Center Employee, I’m having a hard time to get approved for a legit Credit Card, so their offer me the ‘Insta-card’.

For only 5,000php initial deposit (you can add more depending on your budget), this will be the ‘money’ or Credit Limit on your credit card account. Although, your money is technically in to ‘Time Deposit’ with them for a year. The ‘Instacard’ will work as the same with the regular credit card. There’s the fees, minimum due, due date and most especially hard copy of your bill.
One time, I received this e-mail from RCBC, look…

Cool right, so after 2 years, RCBC instacard increased my Credit Limit without me knowing it. So from 5,000 php they added additional 10,000 php. 

To know more about this card program, please go to this link below:

http://www.rcbcbankard.com/rcbc-bankard-instacard/
Also, go to the nearest RCBC savings or commercial branch near you.

Make sure that you used your card responsibly, I don’t agree people saying that they will down on debts because of the card. In my case, it’s very useful as I used my card during emergencies.

Other tips will be added here soon, so please be updated on my blog. I also welcomed comments and reactions on this blog, please drop your comments below!

Until next time!

Sincerely,

Alvin

#thewiserbachelor

Everything you need to know in buying your first videoke! (For Rental business)

They said that you must love and passionate on the things you want especially in business. Ever since I was a kid, I love to sing and perform. That's why I joined in school singing competitions; auditioned in various programs like in PAGCOR and the most recent was in TAWAG NG TANGHALAN (Showtime, Channel 2).

To watch the video clip, click the link below:

https://m.facebook.com/juanalvin?ref=bookmarks

So I decided to buy my first videoke as I want my hard earned money to spend in a worthy decision also as my childhood friend, Jane want this business too. Well, the Famous 'Raon' street near Quiapo Church is the place to be, where we can buy brand new and assembled Videoke. You can buy also other electronic rental machines in the place like PISO NET machines, SOUND SYSTEM for events, and etc. There's new Small Videoke now where OFW are usually preferred to buy because it's like baggage where can assemble to two.

Since it's Internet days now, it's good to search 'on-line' recommended reviews and tips. So I searched on Facebook for videoke owner and shops. I recommend 'Berklyn' store/shop as the reviews on their Facebook page is good. They've been doing the business for a long time so we will be assured on the originality and good quality of their electronics supplies.

Things To Remember:

  • ALWAYS coordinate or give the shop a call that you are buying brand new karaoke units, so that they can prepare your preferred brands of Karaoke Player, Amplifier, Speakers and others. Also, don't forget your chosen style of Karaoke designs (Body or Kaha) they usually call as that, because they will give you the 'Kaha' which is not 'Napipili' or taken as often.
  • For Renting purposes, choose the small one which is 12×4 size so that it has trolley on it and it's not that heavy compared to 15×4 size. Well, the Kuyas or the workers (installers) are always giving their thoughts and suggestions so don't worry. Simply ask them.
  • If you just want a videoke for 'Karaoke Bar' use or for Rental Business- The Videoke player that you can choose is PLATINUM (Mine, I bought Platinum Reyna, that's the cheapest (20k). There's Platinum Kapitan but they have different prices.

The above picture is just a sample price(s) of their units. Prices may differs as you know 'inflation' can cause the prices to go up. 

Photo is not updated as per Berklyn shop who sent it to me.

  • You need to buy separately the USB for the Movie/MP3 for your videoke. Just ask the installer for one. I paid 500php, it comes with songlist already.
  • Better to have your own car for the videoke service but if there's none, kuya barker will keep you asking for the service (if you have). They ask for 1,000php for the Jeepney service.

As I'm writing this story my first unit is doing good as this is taking care of by my younger brother Christian who has a small retail store in their house in Bayugo, Meycauyan Bulacan and we had scheduled rental already for the videoke.

Wish us luck on this as we are planning to add more with gracious of God.

Thanks for reading!

Other Photos below:

Sharing and liking are more appreciated- this may informative to your friends.

Thanks in advance for sharing!

It’s Okay to Start over again.

On the above title, it can describe lots of things in life. Probably money matters, your ‘screwed-up’ business, Friendship that was forgotten, oh your Love life… well, for me, I’m going through the tough times for my career.

For those who are following me on my social media accounts; Facebook, Twitter, IG- I oftentimes posted about my new work as a Corporate Area Specialist in Avida, an Ayala Land Company. In Filipino layman’s term it’s ‘Ahente ng Bahay’.

To give you an idea, we are licensed ‘seller’ or ‘Real Estate Salesperson’ that undergoes accreditation from Professional Regulatory Commission or PRC and as well as HLURB or Housing and Land Use Regulatory Board. In Avida, they are giving their sellers 3 months for their allowance ( 24k including the 1k for Insurance).

Yes, you heard it right! Avida has the addition ‘Bucks’ for their sellers. Being a Real State Agent can turn you to a millionaire once you sold many units (I.e. Condominium, House and Lot, Lot, also Office Spaces). We have 1% commission plus incentives and quarterly deals. 

I encountered success stories of a Seller in the company. One of that, is my childhood friend Jane who referred me to try Avida. At first, I liked what I am doing since I have my own time. You can manage your own time,  not the usual 9am to 5pm office.

But things changed as I’m not expecting. Since Jane is my team mate, I’m feeling that being a Real Estate is not my forte. Although, it’s too early to say. The pressures, worries for clients (doing follow-ups and stuff) and most especially STRESSED are the factors for me to not continue on my second month to feel that I would like to quit and go back to BPO. More importantly, my special someone from U.S arrived, my Brother’s wedding, Dad’s birthday and other events in the family added for the days I took off from work, although, my manager told me she understand these kind of events in the family.

I’m just writing this feeling that I’m going through. I salute all the people working in Real Estate and never doubt their capabilities. It’s Okay to Start again in other fields of work (as writing this, I would Like to try overseas jobs.) It’s your life not theirs, as long as you are HAPPY be it!

Are you also feeling the same way? Comment below “,)

Love more,

Vin

WATCH: How to Handle Being in the Sandwich Generation

Like most of the call center agent job situation! Count me in”,)

Brighter Life Philippines

Do you take care of your own family and your aging parents as well? If you answered yes, then you’re part of the Sandwich Generation! Watch and learn how you can cope with the financial obligations here.

Related:

Confessions of a Sandwich Generation-er

Break the Cycle

It’s Time to Give Your Money a Break


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