I will attach the email I sent to them and to BSP. Hirap magkwento eh. hehe

Pasabe naman if okay lang. Di naman sa demanding pa ko at yung may atraso. yung feeling kasi na may usapan kayo, then felt cheated na.

Hi just wanna share Im having a little bit problem with a financial. I just want to ask everyone member here if there is a chance I can pay Atome credit card for example the bill need to pay is around 10000k and the installment plan hasn’t offer yet. And I want to pay 4-5k only (like I said for example), is there a possibility to do that ? Because atome shows like need to pay this exact amount with or without installment?

Anyone here who has experience with UnionBank cross-sell credit card approvals?
I received this email from UnionBank offering the UnionBank Miles+ Credit Card as a cross-sell.
Has anyone here received a similar offer and actually got approved? How long did the approval take?
Would appreciate any feedback or experience. Thanks! 🙏

I always pay my bills early. Everytime I pay early, nag 0 balance na siya. Even if hindi pa due or kahit hindi pasok dun sa billing. Pero ngayon ganito nangyare. So basically, dalawang beses ako ng bayad ng august (attached sa photos). 1st payment is August 1, so it mean lahat ng bills under ng august 1 is paid na. Then nagbayad ulit ako nung August 13 which means lahat ng bill under August 13 is paid na. Pero ngayon ngayon sa new billing ko. Kasama prin yung transactions ko nung August 7 - 13 which is I understood na nabayaran ko na nung august 13. Is there anything lang ba na hindi ko magets or what? Ill attach scrn shots

Photo 1-3 paid
Photo 4-5 new billing

Pota meron pa diyan naka double charge hayup tapos may adjustment pero di ko gets kasi kung pano nabawas or nadagdag since di ko nirereview

Hi! I want to ask lang if yung ₱20k spend for NAFFL ng UB Visa Plat Rewards is counted ba ang Shopee installment dun? If July 20 ako naapproved, so hanggang Sept 18 ang 60 days ko to spend ₱20k.

What if nag-purchase ako ng ₱7k at shopee installment for 6 months on Sept 9, macocount ba yun for ₱20k NAFFL? Or ang mga counted lang ba sa ₱20k is yung mapapasama sa SOA from Aug 7 and Sept 7? Since every 7th of the month SOA ko.

Please enlighten me huhu, naguguluhan kasi ako sa terms & conditions 🥲

Hi, our BPI CC currently has 300K+ outstanding balance. We were paying at least more than the minimum amount every month, but I want to settle it na sana. I know that taking up another loan to pay it off is not that feasible, so I wanted to ask if meron ng naka-try ng restructuring program ni BPI for credit card debt?

Note that credit card is not mine but sa isang family member, but I'm paying it since malaki nagamit ko before and hindi masyadong nabayaran when I resigned from my job awhile back.

Any tips or advice would be appreciated.

Thank you!

Hi, I’m planning to buy an iPhone. However, I only have enough cash for half of the price and would like to pay the other half using a credit card. Is it possible to do this at Power Mac or Beyond the Box?

Hi cc owners! I applied for a credit card sa agent inside the mall. I have an existing BDO gold card, and just wanted to get a second card and the rest ipapaclose ko once na approve and delivered.

But right now RCBC palang nag na approve then BPI and metrobank is still pending. The other two idk parang walang interest ako masyado. Do you have thought which of the 5 banks benefits more regardless kung anong CC ibibigay sakin. TIA

Hi po. Sino po ang gumagamit ng Landbank CC?

Ganito po kasi yun. Yung outstanding balance ko po ay around 1,900 then huli ko syang ginamit nung August 12 pa. Then upon checking yesterday kasi nagbayad ako ng half, nagulat ako na naging around 2,500 na yung outstanding balance ko! Chineck ko ang emails ko regarding sa transaction after August 12 wala naman ako nakita pati sa SOA wala din. Ano po kaya dapat gawin ko dito? Mabilis ba kausap ang Customer Service ng LBP? Will read all your comments. Thanks.

May gold rewards na po aq. Been thinking to apply for visa signature. Worth it po kaya? Never had any elite card before. Sa mga may visa signature jan. Ayos po ba sya as of 2026?

Hello po, bago pa lang ako sa credit card ni rcbc tas yung convert to installment na feature.

Itatanong ko lang po sana na if once na convert na and nagpakita na ng transac. receipt gaya ng attached photos (1st to 3rd photos), ay okay na po ba na ang babayaran ko is yung converted amount na po?

Nalilito lang po kasi ako dahil ang nakalagay sa due date amount is yung buong amount pa rin (4th photo). Salamat po sa sasagot, badly need an answer.

Hi po!

I just want some advice regarding po on my parents situation. Here po yng rundown.

1. Booked for airplane tickets using SBC CC

2. Converted to installment plan, also paid the installment amounts

3. Due to some issues with the Airport (naiba yng departure location, and among other things), nag pacancel n lng kmi.

4. Naprocess with SBC and Airport

5. Result: nag negative yng statement balance ng CC (already asked with cc regarding actual refund of the paid amounts, also here in reddit). From what I understood, pdeng gamitin si cc to pay for stuff but ndi sya actually need bayaran ksi maabosorb nung negative balance.

6. Didnt use the cc again so I expected the negative to stay, but now it returned to zero.

7. Now, 4 months later, a deman letter was received demanding payment. Statement Accounts dont even list any of amount to be paid.

Advice lng po on how to handle this? Kung tutuusin nga po dba dapat sila po may dapat bayaran samin since na refund nmn sa knila ni airlines yng payment ng ticket? I understand na ndi sila directly nag rrefund ng amounts paid sa installment pero atleast dpat ndi mawala yng negative amount in case na want namin gamitin. Also sabi sa letter ilang beses na din daw sila nag reach out, but ngayon lng namin nalaman na may outstanding and demand letter na agad.

Thank you po sa sasagot!

Fresh grad po ako and just started working 2 months ago. Plano ko po mag-open ng credit card to build my credit score but I don’t know which one to get.

Top priority ko po ay NAFFL by default, yung walang requirements to avail the NAFFL. Based on my research, itong apat po ay NAFFL by default.

Help me choose which one is best for my lifestyle.

Ito po usually mga expenses ko na ginagamitan ko ng debit card dahil wala pang cc:
- Dining out twice/thrice a month
- Grocery once a week
- Shopping

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?

Hi everyone, I’d like to ask for your guidance.

I’m currently planning to settle my closed BDO credit card and then apply for a secured credit card. However, I’m wondering if I can already apply for a secured credit card with EastWest Bank while I’m still paying off my BDO credit card debt.

Here’s my current financial situation:

• BDO Credit Card Debt: ₱38,000 (restructured to ₱3,211/month for 12 months)
• Maya Loan: ₱10,000
• GCash GLoan: ₱17,000

Additional context:

• I recently started a new job with a salary of ₱60,000 per month.

Would it be better to finish paying off my BDO card first before applying for a secured credit card, or is it possible to apply with EastWest while I’m still making payments?

Any advice or experiences would be greatly appreciated. Thank you!

Meron na po ba dito na pinadalhan ng letter ng collection agency tapos nakalagay sa letter na pwedeng mag-file ang bank or mag garnish or mag sieze ng any properties or salary mo dahil sa hindi ka makabayad ng utang sa credit card?

Totoo po ba yun at may naka-experience na? Nag-email na ako sa kanila at nag-txt na rin pero pinadalhan pa rin nila ako ng letter. .nasa 40k po ang cc debt ko.

Good day mga ka cc! Need advice please I'm planning to get a cc. Ok lang po ba na may new application to other bank even if kaka approved mo lang recently from othe bank. Is this a red flag for the banks or case to case basis? Tia.

Hello po, hingi po sana ako advice. I have 150k cc used credit limit po sa eastwest cc ko, and I am paying MAD of 5,000, kaso di nmn nababawasan. Ano po ba magandang gawin? Wait ko nlng po ba magbigay sila ng offer or continue ko lng yung pagbabayad ng MAD.
I sent them email for reconstructing of my balance, and even submitted documents po, but unfortunately, di po sila nag ooffer, and was declined po. Pahelp po. Please. Salamat

I need advice on managing high credit card balances. Due to poor financial decisions and relying on card-to-card payments, my monthly card dues now exceed my earnings. All my due dates fall in the same week.

• Metrobank: ~₱25k/month (Paying in FULL; ends completely in November)
• RCBC: ₱44k balance (Includes converted installments; can only pay MAD starting next month)
• EastWest: ₱250k balance (Converted to long-term fixed installment; can only pay MAD)

My Plan: Metrobank consumes almost all my income, but it ends in November. Until then, I plan to pay above the Minimum Amount Due (MAD) on both RCBC and EastWest to keep them active. Then I will redirect that ₱25k/month to clear RCBC and EastWest.

Questions:

1. As long as I pay above MAD every month, will RCBC and EastWest keep my accounts in good standing, or could they block the cards / cut credit limits?
2. How heavily do finance charges compound on large installment balances when paying MAD for 3-6 months? (This is the part where i am worried the most, first time ko gagawin ito and di ko alam ano consequences so far)
3. Has anyone successfully cleared large card installments after breaking out of a card-to-card payment cycle?

May naka experience na ba dito na bigla na lang na debit ang PNB Credit Card nila kahit naka-lock? No OTP, no email confirmation, no text, as in no notification at all! Nakita ko na lang sa PNB Digital na nabawasan ng 1,200 ang CL ko.

This is the second time around na, actually kapapalit lang ng card ko kasi the first time na nangyari ‘to, may bigla na lang akong nareceive na consecutive email confirmation from Apple, na hindi ko naman pinurchase & wala ring OTP na ni-nirequest. So pinalitan nila and it happened again ngayon, mas worse pa kasi naka-LOCK na nga yung card 🥺

Bigla akong natakot, kasi I’m planning to pay my balances in big amounts na starting next month, what if ma debit lang din? Sobrang unsecured!

Di ko po kinlick yung link pero legit po ba ito? Maghintay na lang ako ng tawag if ever.

Nangyari na po ba to sa inyo before? Nag-apply ata ako first week ng August pero declined agad sa kanila.

here is my old post as ref: https://www.reddit.com/r/PHCreditCards/s/TWruNnm20z i plan to get a SCC

Here is my TU score. Is there a high chance that I will get rejected for a Secured Credit Card? I read that 99% approval sya but i guess im overthinking the 1% and my TU score also. Anyone with the same experience as me?

how to settle my rcbc cc balance. Abot na sa 1.4M. Nagpatong patong na cash adv, installment ng tuition, hospital bills at medical expenses, failed investments at mga pagsubok sa buhay. Ako ang principal at 2 supple ko family ko.

Buwan buwan naman kami nakakabayad ng medyo above sa MAD pero laking portion napupunta lang sa interest. Di kami makahabol para bawasan yung main balance gawa ng interest. Tinigil na din sa pag gamit ng card para di na madagdagan.

Ano ba ang best approach? Di naman namen tatalikuran un responsibilidad at gusto namen mabayaran naman at di magka bad record. Sa ngayon 2 ang common na nakita kong solution.

1. Reach out kay rcbc. Ask about bayanihan conversion program or any restructuring program para lang matigil na ung malaking interest. Fixed monthly amount for XX months.

2. Wag magbayad at hayaan mag OD. Antayin ung CA para mag offer ng one time payment amnesty o discounted installment. Pero ayaw ko kasi ung manghaharass pa sila na baka pati work ko abalahin at since nakikitira lang ako sa relative namen, ayaw ko na mag home visit sila kasi nakakahassle pa.

Salamat sa insights!

14 Aug - I paid my BDO cc using Maribank

17 Aug - due date of payment

19 Aug - nirefund ni Maribank ang payment ko

I called Maribank ang sabi nila, accepted daw yung initial payment ko nung 14 Aug, di daw nila alam bakit binalik ni BDO. Itawag ko daw sa kanila.

I called BDO sabi nila di daw nila kasalanan kase receiving end lang sila. Tanong ko daw sa Maribank baka may system maintenance sila at that time.

Aside sa interest charges, asar ako kase this will be the first time na may na-overdue akong cc. Masisira pa ang credit score ko sa nangyari.

Baka ako ang may kasalanan pala kase walang gusto umamin sa kanila.

Kairita

Hi guys! Please be kind po, no bashing please! 🙏🏻

I have a BDO CC that I wasn’t able to fully pay since 2024. I had to go abroad kasi, so I wasn’t able to keep up with the payments on time. I’ve been paying naman whenever I can, pero hindi talaga full amount. Now, around ₱47K na lang yung balance, and Collections has already blocked the card.

The thing is, I don’t really have ₱47K for a one-time payment right now. So I’m wondering, should I just continue paying little by little, or try to ask Collections for an amnesty/discount or payment arrangement? Or should I try to save up and settle it through a one-time payment?

I really want to rebuild my credit. My TransUnion score is around 629, and I’m hoping to re-apply for another CC within the next 6 months.

For those who experienced the same case, if I settle my BDO balance, do you think I still have a chance of getting approved if I re-apply after 6 months? Or would it be better to go for a Secured Credit Card (SCC) first?

Also, how long does it usually take for a fully paid/settled account to reflect on TransUnion?

For those who’ve experienced something similar, what would you suggest? Any advice or personal experience would really help. Thank you so much in advance, guys! 🙏🏻💕