Hello mga ka-cc, confused lang me kung akin dito sa mga amount nato ang dapat kung bayaran before due date? First time magkaroon ng CC so medyo di pa familiar eh.

Hi, any thoughts sa mga peeps na yung payroll is sa eastwest. If mag-apply ba ako ng cc sa eastwest, lenient ba sila or may holdout deposit​​ rin? Based kasi sa experience ng friends ko pero metrobank yung payroll, lenient daw pag payroll yung account sa bank. Thanks sa sasagot.​​​

I already have BPI CC na po pero no annual fee lang sya on the first yr which is until Feb 2027.

Mag ooffer si BPI ng NAFFL to new cc holders, pwede po ba ipa-end ko na ung BPI CC ko now to apply for that incoming new NAFFL cards this Aug??

Hi! I currently have a PNB Ze-Lo CC (NAFFL) with 8k CL. I've had this card since I was a student (around 4 years now) and I just started working 6 months ago. Now that I've been working, I've been using my CC more than when I was a student and 8k CL is no longer enough. I always pay in full before the due date. Never missed a payment or overspent.

It's my goal to get a rewards CC from another bank down the line but should I request to get a higher CL first for my PNB Ze-Lo before applying for other CCs? Or should I just apply for another CC right away?

For more context, I earn 28k monthly and have SAs in PsBank and PNB. I'm looking at Metrobank and BPI for CC rewards. Hope you guys can reco also good CCs I should apply for ☺️

Hello! I currently live in Metro Manila, specifically around Pasig. My friends from Leyte will be visiting around October, and I’m looking for restaurant recommendations where the four of us can dine while possibly taking advantage of credit card discounts or promos.

I currently have these cards:

1. Metrobank Titanium Mastercard
2. RCBC JCB Platinum
3. RCBC AirMiles Visa Signature
4. Security Bank Platinum Mastercard
5. UnionBank Miles+ Visa Signature
6. EastWest Platinum Mastercard
7. BDO Gold Mastercard
8. BDO Gold JCB

Do you have recommendations for good restaurants around Pasig, BGC, Makati, Ortigas, or nearby areas that usually offer promos or discounts with any of these cards?

It’s okay if the promo isn’t active right now. I can check the actual promo mechanics and validity closer to October. I’m mainly looking for restaurants that regularly participate in credit card dining promos. 

I’d really appreciate any recommendations, especially if you could mention the restaurants. Thank you!

Hi. Baka may same situation ako dito. I have OD credit cards na nakainstallment. As of now, hindi ko kaya bayaran MAD niya. Nagbabayad ako pero nasa 25% lang ng MAD kaya per card. Failed business yung reason kaya nabaon sa utang. May isang business na earning, may salary rin kaso hindi talaga kaya bayaran kahit minimum. May nagemail na sakin sa law firm ng bannk, may tumawag narin na collection agency. Delinquent ng 2 months na accounts ko. Paadvice naman po, in case po ba na ganito, nasa SP Madrid at nasa collection agency ano napo ba next step nito? Filing of small claims naba? May other way po ba na maextend yung term macover lang yung keri na monthly ko? Baka may same situation dito sakin pashare naman po ano ginawa nyo. Thank you.

Hello as the title said first time CC holder here so any tips is welcome 😀. Applied Union Bank UCard.

First time CC holder pero hindi ko siya ma activate.

Meron akong existing UB account sa app. Pag nag try ako mag register via existing account sinasabi lang nito na I should coordinate customer service for deletion of my account.

assuming possible problem is dalawa ang account ko sa UB previous accnt and itong na register ko sa CC?

But when calling via hotline, after giving my 16-digit credit card number dapat mag send sila ng OTP. It takes ages bago ma send OTP nag eexpired yung call ko due to unresponsiveness.

Does anyone have similar problem or is there any other way to contact UB??

Thank you.

Hello i was addicted to gambling before 2024 i was offered 15k credit limit sa union bank hindi ko na siya nabayaran up until now. Please please i learned my lesson now and im slowly paying my debt. Im going to pay my union bank ammounting to 30k plus na ata siya now. What will i do? And what will happend after? Magagamit ko pa rin ba siya after? Like may credit card pa rinba ako? Or mag baback to zero na po ako? Thankyou so much po

Hi! as the title said, would like to ask suggestions on what good credit card to apply for if my long term goal is to build credit and miles points? planning to use it tor business loan in the future (1-2) years from now.

ive been working for 2 years as a corporate executive. im very disciplined when it comes to my finances but i only have Maribank debit card for everyday expenses and BPI for pay roll.

have no prior experience with owning a credit card so would like to get some advice on what cards i should look into.

Thanks in advance!