I did say before how I try my best to stay credit card free except for my trusty eprepaid card. What ended that promise and what bothers me now is how I got one in the first place. This is seriously weird, and fast at the same time... and I haven't even applied to them!!
Tuesday. Received a call from BPI That I am eligible for a card. The only thing they ever asked was where I was working. After that I was told that they'd be sending my card anytime soon.
Friday. Text from BPI saying my card was approved. What?
Saturday. Noon. I received my card (LBC) with a credit limit far from the 10k limit I was prepared for. If I want something more than that I will pay in cash but never in credit. Why do they have to give me this tempting limit at all?! Why?!
So what just happened anyway?
Monday-Tuesday I was in contact with a Citibank person after a referral of an officemate. Thursday they called the house and so far not anything from them yet. The mysterious thing is that instead of getting a Citi card, in a span of 4 days, BPI suddenly calling me eligible for a card I never applied and receiving it in less than a week. It's like they bypassed whatever checking Citi has been doing and raced in offering me a credit card I would never refuse (more to that later).
I asked the one who referred me (Another officemate has been bugging me in getting one, although he never offered me a referral, he simply advised me it's for good credit standing) and said that the call RIGHT after Citi's confirmation (of me getting a card from them) made me 'exist' on other banks as well. Like suddenly everyone knows I exist. So what gave BPI any reason to give me a card without actually applying for it?
1. My officemate says that credit companies share database records and this is how they both get clients, AND chase those guys who never pays. So maybe, someone from Citi shared my details to BPI seeing that I'm a customer ever since which brings us to #2
2. I've been a depositor of BPI since I don't know, probably 2010, with two accounts. Maybe it's because of the transactions?
3. It's a miracle.
4. Someone from BPI read my blog about the eprepaid card and came to mock me by approving the card :-p
So why won't I refuse? Two things. Travel and concerts. I usually buy us tickets and the price is really steep at times so it's obviously easy for me to gain points from there. And as for travel, the officemate I mentioned about credit standing told me that BPI so far has the best exchange rates for purchases made abroad-- which I would need if I will go with my plan of travelling overseas once a year. When we went to HK, since I was the only one paying for everything I was always worried of not getting enough cash to go home so we haven't splurged on shopping even just a bit, so this is something I could bring too, right?