RCBC's Bankard

i'm not applying any card from RCBC because i have unionbank visa card which i using in paypal account and other international shopping

I also don't have a RCBC card, but I do have a VISA and MASTERCARD from different banks. It's been with me for a couple of years now. I got my VISA about 2 weeks after I was told that I'm approved; my MASTERCARD got released about a week I applied (but then I was already pre-approved because I'm a depository of that bank). I don't know if all banks have the same standard set for credit card processing from receipt of application to actual release. But according to my friend who works at the bank, expect a call from the bank within 1 week for further verification of your application, another week max for another call informing you whether you're approved or not (usually though they only call when it's approved) and just 3-4 working days before you can claim the actual credit card. RCBC might take longer procedure-wise but then it will only be a matter of a few days' difference. I think RCBC Bankard have their hotline which you may call so you can get an update to the status of your application. It wouldn't hurt to try if you're really antsy for the result.

What I applied for was the Anson's Landmark Bankard. I was in Landmark Makati last May and the agent approached me so I filled up the application form right then and there. She has my SSS ID card photocopied and told me to wait for a call. It was a Sunday and quite unexpectedly I got a call from RCBC Bankard the day after, for verification.:) In just a week, I already got the card! :)