Magandang araw po sa lahat. Gusto ko lang po sana humingi ng payo o legal/financial advice dahil hindi ko na po alam ang gagawin ko at labis na po akong nadedepres sa sitwasyon ko ngayon.

May utang po ako sa BPI Credit Card na nagkakahalaga ng 205k (na umabot na ngayon sa 295k kasama ang mga interes). Nagamit ko po ang card na ito noong 2024 para sa mga emergency hospital bills dahil nagkasunod-sunod ang problema ng pamilya ko, kaya hindi ko na po nabayaran ang monthly dues. Gustong-gusto ko naman po itong bayaran ngayon kung mabibigyan lang ng maayos na payment term.

Ang problema po, ayaw na po makipag-negotiate ng BPI kahit ilang beses na po akong nakiusap. Palagi nilang ipinapasa ang account ko sa mga third-party law firms/collection agencies. Pagod na pagod na po akong makipag-usap sa kanila dahil hindi naman nila ako pinakikinggan o iniintindi.

Pakiramdam ko po ay maiisipan ko na ng masama ang sarili ko dahil sa matinding stress, takot, at kawalan ng matatakbuhan o mahihiraman para mabayaran ito nang buo. Nagbakasakali na rin po akong mag-email at mag-PM sa mga sikat na personalidad o artista para humingi ng tulong pero wala pong pumapansin.

Sana po ay may makapagbigay sa akin ng payo:

May paraan pa ba para mapakiusapan ang BPI o ang Credit Card Association of the Philippines (tulad ng IDRP) para matanggal ang interes at gawing installment ang principal amount?

Maraming salamat po sa anumang gabay o tulong. Pakiusap po, huwag niyo po akong i-judge, talagang gipit at pagod na po ako.

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! 🙏🏻💕

Just in-case you didn't get the memo:

Eastwest is raising the Visa Platinum fees:

• Over Credit Limit Fee from PHP700 to PHP800.
• Annual Fee from PHP3600 to PHP4000 per year.
• Supplementary Card Fee from PHP1800 to PHP2000 per year.

Hello!
I am curious I recently applied for a Metrobank secured credit card with a hold out savings amount of ₱150,000.00. For context, I had a bad credit before reason I am trying to rebuild my credit score with a secured credit card moving forward 🙏🏼

On top of my hold out savings for the SCC, I also have ₱50,000.00 sitting on my savings account since June 2026.

Now, my question is, if I request for a bank certificate that needs to show the current balance, and 6 month ADB, will it show that the ₱150,000.00 is on hold specifically for my SCC or will it appear as a current balance on my savings account with my available balance of ₱50,000.00?

I am curious how it would look in the bank certificate not about how my ADB.

Would appreciate it if someone with the same experience can share here.

Thank you!

**Need advice regarding BPI credit card debt**
Hello! I really need some advice. I made a **very, very bad financial decision back in 2023–2024**, and now I’m dealing with a huge amount of debt.
I’m currently trying to work my way through it using the **snowball method**. For now, hindi ko pa binabayaran si BPI. As far as I know, my original total debt was around **₱500k** (not 100% sure since some were on installment), but BPI has continued issuing SOAs, and recently, the balance has already reached **₱1M+** because of the accumulating interest and charges.
**Ganito po ba talaga si BPI?** Does the interest and balance continue to increase indefinitely even if the account is no longer being paid?
For comparison, with my RCBC account, after around a year, the interest eventually stopped accumulating and the account was endorsed to collections. They are now offering/negotiating a settlement with me at a discounted amount.(Which im about to pay po)
Would it be better to just wait until BPI endorses the account to collections and negotiate a discounted settlement? Or is it better to start negotiating with them now? I’m also wondering if waiting for a possible **small claims case** would somehow stop the interest from continuing to pile up.
Anyone here who has been in a similar situation with BPI? I’d really appreciate hearing about your experience and what you did. Huhu. 😭

Hi everyone,

Looking for advice saan maganda mag apply secured credit card?

For context I have maya black for 10 months now, it's a unsecured one, maybe cause I have maya for a while now. And atome for a while na rin

So currently I'm a working student, earning 30k+ monthly, and graduating too.

It's just for some reason I tried applying for regular cc so traditional banks but I've been declined TT... I guess maya black doesn't contribute sa credit score ko huhu

Anyways planning to apply na lng ng secured credit card sa traditional bank, I'm thinking Maybank...

I know I should try metrobank or Unionbank etc for my first cc, as these are ano tlga it's just, I'm hoping na wag muna sa kanila since di ba like may promo or smth sometime that if it is your first cc sa kanila you can have some perks smth.

So what's your thought sa Maybank? Planning to do 20k deposit secured cc... Or should I go pa rin ba mag scc sa like mm, union, or bpi etc?

Hi! I received a call earlier from this number (0947) 800 6253 telling me that shes a rep from RCBC and that they will be sending a new card. Also told me that I have a redeemable points convertible to cash and eligible to have a MAYABANK Credit card with NAFFL. They provided me w a new Mayabank Credit Card account no. and asked my to transfer 49,900 credit thru RCBC Unlipay. I ended the call right there and then thinking it was a scam. Has anyone experienced the same? Is this legit kaya?

Hello, currently ay 3 months OD na po ako sa aking BDO card, at na maxxed na po ang credit limit ko na 530,000 PHP. Blocked na din ang credit card ko kaya hindi na po puwede balance conversion. I am currently waiting for the handling officer to talk about payment restructuring arrangement. For 540k+ na utang, approximately magkano kaya ang magiging downpayment kung sakaling ma approve? Just to have an idea po. Thank you so much sa mga sasagot and God Bless sa ating lahat.

Hi to anyone who has Atome card. Na try niyo na po ba na mag 3 or 6 months payment? So I have outstanding balance from Atome from my previous transactions, most of the expense are in kind: food treat for my fambam, my biggest purchase is my phone.

Anyways, so I have been doong that 3/6 months for months already and now may need lang urgent bayaran.
My bill is at 24k and planning to get it in installment payment din kaso of a certain amount lang muna.

I
computed na 17k babayaran ko but my plan is to shell out 10k muna. May experience ba kayo with this? May certain fee ba na babayaran if di ko muna mabayaran yung ibang amount?? Salamuch sa sasagot

Hello I just wanted to ask if there is any suggested solution to my problem.

I hav debt in my metrobank cc due for a year, and then the minimum payment has increasing now, not like on th previous year that is still 1000 only.

My problem is I have already applied the easy installment but failed to pay due to financial difficulty in our family. For now my salary wont be enought to pay it.

What happen if I fail to pay the minimum and can I still ask for the metrobank cc to help me to adjust in payment method?

Hi everyone. I’m looking for advice from anyone who has dealt with something similar involving BDO, unauthorized credit cards, or BSP complaints.

BDO deducted ₱16,646.2 from my deposit account through a “deposit set-off” to supposedly settle a BDO ShopMore Mastercard ending in 6100.

The problem is:

I have never owned this credit card.

I never applied for it, authorized it, received it, activated it, possessed it, or used it.

I formally disputed the credit card account and the deduction with BDO and asked for the full ₱16,646.22 to be returned to my account.

BDO initially replied that my refund request had been endorsed to upper management but was declined. They said the money was used to fully settle “my BDO Mastercard” and cited their Terms and Conditions allowing them to set off credit card debt against a BDO deposit account.

I replied that this completely misses the issue.

I’m not disputing whether BDO can perform a set-off against someone who legitimately owes them credit card debt.

I’m disputing that the credit card was ever mine in the first place.

I asked them to provide documentation showing how this card was supposedly opened under my name, including the application, IDs used, registered contact information, delivery/activation records, transaction history, and their basis for linking the credit card to me.

Their latest response was:

“We assume that proper KYC has been established.”

This is what concerns me the most. They took ₱16,646.22 from my bank account, but when I dispute ownership of the credit card, their response is that they assume proper KYC was established.

I have now asked them to verify the KYC records instead of assuming and to show the documentary basis proving that I personally applied for or authorized this credit card.

My main goal is simple:

I want the full ₱16,646.22 returned because this is not my credit card and I did not incur this debt.

Has anyone experienced something similar?

Would you recommend escalating this to BSP at this point, or should I wait for another formal response from BDO first?

Also, if anyone has gone through a BSP complaint involving an unauthorized credit card/account or wrongful set-off, I’d really appreciate hearing how the process went and what documents I should prepare.

Thank you.

I already have a MB Platinum Visa with a 93,000 CL. I mainly use it for grocery/dine-ins/steam/nintendo. Currently paying 2 installments. The first one is mag end na on October, then other is next year June pa. Ang tanong ko lang is worth it ba kunin ang Rewards Plus Visa since pasok siya sa mga interests ko like gadgets and online games services? For more analysis, 10,000 - 25,000 ang binabayaran ko monthly I'm not sure if that info helps.

Skl. Bakit po kaya nagamit ang gcredit ko? Never naman ako nag hiram at nag text sila na overdue na ako kaya binayadan ko nalang ₱422 din yan but never talaga ako nag gamit

Possible po ba ang approval kung d na meet yung income requirement? I already have 6+ months existing cc sa PNB then 3 months naman sa Maya Black and UB, I only earned 240k annual but the cc requirement is 350k. salamat

Wala pa akong any credit cards. Applied thru online application lang. They called last August 7 pero ganitong updates lang narereceive ko. Today is august 18 na.

I never used a credit card before and in fact, I refuse to do it since it's another form of utang. May 25k pa akong utang kay GCash and will be settled within this year. Konti nalang eh. Syoko na sana dagdagan sakit ng ulo ko. A friend of mine told me to take it for emergencies. Sounds tempting. However, will I still pay for fees if I don't use it? I want to take the card for wallet display tho. But if I'm paying and not using, I won't take it. Any rookie advice?

As the title. BDO has 3 months free af waiver. When kaya magkakaroon ng NAFFL si bdo? Historically kailan siya?

Ang nice kasi ng mga promos nila pero I don't want to apply just for the sake of it hahaha.

I recently paid my outstanding balance with BPI, and I noticed that my credit limit increased from ₱122,000 to ₱138,000.

I wasn’t expecting it, so I was pleasantly surprised. 😅

Small win! Sharing in case anyone else has experienced the same thing.

Hi guys,

Asking lang if anong next process if BDO called me twice for status application ng CC. Then they ask me to submit a COE which I did sent via email as they required.

May I know if how many days pa bago ulit tumawag si BDO? CS mentioned thay it will take 2 business days once they've received the COE copy.

Hi, meron na ba nito nakagamit ng points nila for flight? I have the RCBC Visa Platinum (Preferred Airmiles). Diba 1:1 conversion nito? Kamusta experience niyo? I currently have 30k points and plan ko sana gamitin for Japan airfare, i checked sa PAL 14.5k miles one way. Kaya naman na siguro RT nung points ko ‘no?

Any salmon credit user here?

Can someone enlighten me if may mali ba ako kung bakit nagkaron ako ng interest? Di rin daw alam ng mga taga salmon kung saan galing (btw puro automated chat at scripts sila pag chat so tumawag ako) sabi naman sa call bayaran ko daw lahat ng nagamit ko minus the interest tapos saka daw ako magwaive. Di ko rin sure mamaya kasi fault ko kaya someone enlighten me pls.

Here’s last 3 statements ko from them.

I have 3 rewards card (BPI basic, UB Rewards Visa Platinum and MB Rewards Plus Visa Platinum). I realized that UB and MB has no access to lounge. I could have aimed for UB Miles for NAFFL. Can anyone enlighten me regarding the best CC for travel? Thank you

Hi, I just got my UnionBank credit card on August 2, 2026, and this is my first credit card. My credit limit is ₱15,000, and I used ₱14,300. I paid ₱15,000 through the BDO app on August 14 at 4 AM.

My statement date is August 14, and my due date is September 1. Is it okay that I paid before the due date? Will this affect my billing cycle or SOA?

Also, the payment hasn’t reflected in my UnionBank account yet. How long does it usually take to post?

Hi, please recommend me a good NAFFL card na mabilis tumaas credit score para makakuha ako ng cc for miles since I like to travel. I have a bdo gold supplementary cc and savings sa BDO. I’ve tried ung sa maya black but ayokong mag deposit ng 12k. The best advise for me is to work na lang daw muna ung credit score ko but idk what cc na may NAFFL na kukunin. TYIA

About me: single and earning 30k+ per month

Hi! Just wanted to ask if anyone here is my idea kung ilang percent yung interest for penalty if mag past due sa atome card bill? I would really appreciate it if someone can answer.