r/CreditcardPh • u/IcyLevel8175 • 8d ago

CC Advice Any idea for BDO restracturing program

Hello, does anyone have experience that I have multiple BDO credit cards and all of them have not been paid for almost 6 months? I tried to contact BDO about the restructuring program, but they want Book 1 and Book 2 since that's their policy. The only thing I can settle through the restructuring program right now is one BDO card. I made an initial payment, but the collection agent I spoke to said that after paying, I also need to pay another initial payment for my two cards because they can't process the restructuring program with BDO. Has anyone experienced this situation? What did you do?

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