Journey from No CC to BDO GOLD
I have my own CC during college, no job and no employment, they offer me a free credit card thru applying BDO savings account.
I started with shopmore credit card in 2024 with 2 years free annual under 5-digits credit limit, wherein I use the card normally and paying on time dues from my savings.
In late 2024, BDO quietly increased my credit limit doubled but still under 5-digits!
In 2025, they offered me to upgrade to BDO GOLD MC with the same 5-digits CL.
Before the end of 2025, BDO quietly increased again my credit limit doubled and reached above 6-digits!
In 2026, my BDO Gold CC remains strong and using in daily purchases. The importance when using CC’s is to have source of money to pay and avoid interest/penalty charges.
To all who have a credit card without employment/job. Use your card responsibly!