JP Morgan Chase

[babypaupau]

---

They will know u have a credit card AND if you are delinquent through the credit bureau. that is one way of credit investigating an individual. not only for credit cards but even loans through other means or any pending cases u may have.

mu apply na dri? if i get it right, if you have a delinquent record in ur CC, di ka mdawat nig apply nimo sa JPC. are you talking about credit cards issued here in the philippines? why would it even matter? are they coercing with the banks here? im just wondering, i dont see the relevance man gud.

[Melody Blakely]

They will know u have a credit card AND if you are delinquent through the credit bureau. that is one way of credit investigating an individual. not only for credit cards but even loans through other means or any pending cases u may have.

For U.S. Market, yes it would be through the credit bureau like Experian, etc. But in the Philippines, unsa atong credit bureau? just curious. wa jud koy alamag anang credit bureau in the Phils coz never have a credit card or loan.

[Melody Blakely]

mu apply na dri? if i get it right, if you have a delinquent record in ur CC, di ka mdawat nig apply nimo sa JPC. are you talking about credit cards issued here in the philippines? why would it even matter? are they coercing with the banks here? im just wondering, i dont see the relevance man gud.

Yeah, I was thinking the same thing too, I mean it doesn't make sense because JP Morgan chase is only catering the U.S. Market and not Filipinos, why would they matter about the cc issued in the Phils. diba? To those who have any idea, enlighten us. hehehe

[momoneyz]

Yeah, I was thinking the same thing too, I mean it doesn't make sense because JP Morgan chase is only catering the U.S. Market and not Filipinos, why would they matter about the cc issued in the Phils. diba? To those who have any idea, enlighten us. hehehe

well if you are delinquent with your card, there is a big chance that you might be desperate...and since you are handling credit card accounts its a big risk for credit card companies to let you be an employee...because you might get desperate...

also they are just applying the same rules as they do with their us counterparts...i mean why make an exception...if you will be working for them, you will be carrying their name...and it doesnt look good kun for example collections agent ka nila...then ikaw pud under collections pud ka no?

here in the philippines, they do have a loan check...basically its handled by citibank....almost all information regarding credit cards and loans naa ang citibank...when i say loans bank loans lang na ha? also murag tied up pud mga big companies like smc and nestle...because my father had a failed business long time ago then naa man cya line of credit with smc, (maligya man sila papa beer sa una) but na bankrupt man to... we were not able to pay it for a long time...when naa nako work apply ko citibank cc, i was declined kay tungod sa ako papa...anyways when we were able to pay it off we were taken off the black list then i was able to get a cc...

back to the topic...

jpmc would be accepting applicants by first week of december...for pooling pa hinoun ni...but i dont think those who are currently working for a jpmc account will be allowed to apply....kay mahurot ang ila agents sa mga non inhouse sites kun mao...lahi ra ba nga line of business ang iopen...there is no collections dinhi bya sa cebu...also this would be the first chase CANADA site in the phils...so this would be a great place to be in because dili ra kaayo balasubas compared to mga amerikano...

[Melody Blakely]

To those who have cc, you still have 2 weeks to payoff your cards, para madawat sa JPMC. hehehe.

[babypaupau]

well if you are delinquent with your card, there is a big chance that you might be desperate...and since you are handling credit card accounts its a big risk for credit card companies to let you be an employee...because you might get desperate...

also they are just applying the same rules as they do with their us counterparts...i mean why make an exception...if you will be working for them, you will be carrying their name...and it doesnt look good kun for example collections agent ka nila...then ikaw pud under collections pud ka no?

here in the philippines, they do have a loan check...basically its handled by citibank....almost all information regarding credit cards and loans naa ang citibank...when i say loans bank loans lang na ha? also murag tied up pud mga big companies like smc and nestle...because my father had a failed business long time ago then naa man cya line of credit with smc, (maligya man sila papa beer sa una) but na bankrupt man to... we were not able to pay it for a long time...when naa nako work apply ko citibank cc, i was declined kay tungod sa ako papa...anyways when we were able to pay it off we were taken off the black list then i was able to get a cc...

back to the topic...

jpmc would be accepting applicants by first week of december...for pooling pa hinoun ni...but i dont think those who are currently working for a jpmc account will be allowed to apply....kay mahurot ang ila agents sa mga non inhouse sites kun mao...lahi ra ba nga line of business ang iopen...there is no collections dinhi bya sa cebu...also this would be the first chase CANADA site in the phils...so this would be a great place to be in because dili ra kaayo balasubas compared to mga amerikano...

don't you think that's a bit of a hassle on their part? first of all, they dont accept people with no call center experience. so they're down to the people who are currently jumping from one center to another. plus, they dont accept people who are currently handling jpmc. so that's minus two to their pool of applicants. during the first years of the call center hype, the banks were so eager to issue credit cards to call center people because of their pays. it turned out that these people uses up their CCs and are delinquent. either they resigned or were terminated. turnover rates for call centers are high even then. that is one reason why banks are wary of call center people now. if you noticed, instead of 1 year, you have to be in your current company for 2 years and/or you have to have a supervisory position. before 1 year lng sa call center pwede na ka ma approve ug CC. so what does that tell you about credit cards in relation to call center people? and personally,i know a lot of people who had credit cards who are delinquent. after they reached their credit limits, wala na bayari. intentional and unintentional. ( i cant remember any body religiously paying their CCs every month but im sure na naa sad exception sa akong gi ingon).

what im saying is, if you consider the factors that i mentioned, chase will be down to a minimal number of applicants. and if you take out those who do not meet their standards and add the fact that turnover rates are high, compare it to the number of agents they would need... unsa nlng mahitabo? do you get the picture? of course, i could be wrong but im only stating the obvious.

aside from it being costly and time consuming, it doesnt make much of a sense. would they really spend so much on an applicant who they're not even sure how long is going to stay with their company? di lng bya compensation and iconsider sa mga taw when it comes to longevity in a workplace.

IMO lng.

[momoneyz]

well first of here are the facts...

ps cebu has around 800 employees handling jpmc accounts...
eper has about 400 employees handling jpmc accounts...

add them all together...1200

total number of call center agents in cebu 18000+

total number of required agents for jpmc cebu (2012) in house 2300...

so you go do the math...
dayon sa ps nagarump up man gali sila sa ila jpmc accounts, now if imo i allow na i starve ang isa ka account padulong sa isa, thats a lose lose situation... example ps would train new agents, while losing their old agents padulong sa CHASE CANADA, ang CHASE CANADA pud magtrain pud sila sa ilang gipirate... so which makes more business sense? ipirate nimo ang imong kaugalingon tao or mopirate ka sa lain...

anyways...hint lang mga taga chase karon, apply lang mo ug laing call center for 3 months... you still have time, chase wont start operation till april man so you can then join them kay dili naman ka presently working under any of their accounts..



bank fraud is a very sensitive issue sa chase...
do you know that in their investments department (i.e. sa wallstreet) they record each keystoke that is made in a computer, no joke ... they go at that length to make sure that they cover all potential risk areas...

if they see that having delinquent cc as a risk, then sorry na lang mo...thats their policy.. you have to live with that...

[babypaupau]

delinquency is not fraud and that's a fact. hahaha

[momoneyz]

yes it is..heard of estafa...
bouncing checks?
overdrawn accounts
charged off cc??

same thing...they constitute fraud....
you promised to pay your creditors pero you didnt...
thats why its a risk...a risk jpmc wont take...
so suggestion lang bayre na inyo cc...kun naa mo plano mo apply...

[babypaupau]

delinquency - A debt or other financial obligation on which payment is overdue.

fraud - A deception deliberately practiced in order to secure unfair or unlawful gain.


so go figure. hahahaha