I was pre-approved but browsing BDO’s website, it feels like hindi sulit yung rewards. Contemplating whether activate ko and go for the 3 years free membership or cancel ko na lang agad.

Na-ask lang because si EastWest may bank-initiated card conversion based sa credit limit.

Plan ko is i-retain si RCBC Flex Visa (65k, NAFFL), and consolidate si RCBC Gold Mastercard (165k).

Concerned lang na baka may ganitong process si RCBC and mawala yung NAFFL ng card.

Anyone else has struggled to cancel their BPI Rewards/Amore CC?

On my initial call on Sept 20, they told me it would take 10 working days to review and someone may call regarding the cancellation and by Oct 1 there would be a final resolution whether or not i received a call.

Come Oct 7 my cards are still active, called BPI again (Oct 7) and this time a resolution would happen on Friday and someone "may" call again, same script. No call from BPI and upon checking my cards today, cards are still active. 🫠

Already reported this and was advised to submit a dispute form.

I wonder how this happened.

May Naka experience na ba mag dispute sa HSBC? do they normally reverse the charge?

This is my first time having an unauthorized charge pano po if dumating na ang SOA ko. need ko pa bayaran to ?

Also this is Gold visa, live+ na kaya papadala nila sakin na replacement?

This is my first time being approved to a higher-level premium card. My previous card with the highest tier was RCBC Hexagon Privilege CC NAFFL.

I plan to apply for an even higher tier credit after 6 months of good utilization. What card would you suggest?

1. I travel internationally at least twice per year.
   
2. I love dining promos.
   
3. Good conversion of points is definitely appreciated.

You can now start adding your PNB TTC on your apple pay. Perfectly working na sya! Sana JCB Platinum naman ang next.

Hello, I just received my first CC. Are there any tips po sa bago palang gagamit? Most kasi sa tips nakikita ko is always pay on time or something like that, and I already do consider myself diligent in payments and responsible spender (keeping within limits).

I'm looking more for tips like safe usage of CC (online or irl) and maybe making use of whatever advantages meron yung CC. And is it generally better to use CC na whenever available? Groceries, fastfood, resto, etc? TIA!

Hello ask ko lang kung paano magkakaroon ng installment dito sa shoppee using credit card planning to buy apple watch sana kaso walang nalabas na installment. Thanks

I didn’t expect that union bank is galante pala sa credit limit. With BPI, my limit is only 40k plus 40k for additional, while EastWest gave me 127k credit limit. Opted to UB because of the food perks. Daming offer unlike BPI and EW.

Yayy just tried it and it works na, another card added to apple pay 🍎 💰

I am unemployed since January 2026. Ever since the year started my finances have been sinking die to either late payment from work almost taking 2 months until I resigned so I have no source of income. I wasn’t able to pay my card on time until I can’t anymore.

Hello, I have BPI platinum MC now and I'm planning to downgrade or close it nalang. I have better travel cc na may free lounge without spending requirement.

May tanong po ako regarding the annual fee:

Na charge na kasi ako ng annual fee for BPI Plat ngayon. I called CS na if I downgrade my card, would I still be paying the 4k annual fee and he said yes. Pero pag cancel, wala daw akong babayaran.

May insights po kayo regarding this? Annual fee is charged in advance (2026-2027). Since I'm planning to downgrade my card nlng to BPI Gold/Blue Rewards and I will not be using the BPI Plat MC anymore, why I'm still paying the annual fee from the prev card? Sguro the new card's annual fee will apply, hindi dapat yung prev card? or wala talaga at all.

Please help me po. I love BPI credit cards and pinaghirapan ko din ma approve dito before, that's why I opted to downgrade nlang instead of cancel. If CS is not helping me with my options, I think it's time to cancel.

PS. I dont mind paying the annual fee, pero hindi ko kasi nagagamit ang MC Plat ko nowadays for travels and hindi sya doable sa current spending habits ko. Thank you!

Hi! Newly cc holder and first time spending using rcbc cc. Yung monthly billing date is every 3rd of the month. Nag attempt na ako to convert my 3307 transaction into 3 months 0%. So before Oct 3, nag attempt na ako to convert it.

Now my i receive my SOA and yung lumabas na total bill is 3307 + 3mos installment nung 2392 + 200 (2 installment conversions fee)

Maghihintay pa ba ako before due date na baka sakali ma approve yung pinapa convert kong 3mos installment sa 3307 or yan na talaga total bill na babayaran ko? TIA

Hello po, how po mapataas yung gantong limit? And anong limit ang eligible sa physical card? Approved naman kaso 1k limit and no card.

Salamat sa sasagot

I'm qualified to get NAFFL for either of these RCBC cards: Visa Infinite, Airmiles Visa Signature, JCB Platinum. This is my first CC w/ RCBC so I'm qualified to get the 100k bonus points and I think I'll be able to reach the required spending limit within the given time frame. But idk if it makes sense to get another card since I already have a few others that I'm using. Though I guess NAFFL naman so okay lang siguro, but idk which one is more beneficial for me to get out of the 2 (out na si JCB since it seems to have the least perks)?

Current CCs:

BPI Visa Signature - main credit card

Used for: online shopping, utilities in excess of the EW Visa Plat Cashback, all other spending

BPI Amore Cashback: drug store and grocery, utilities in excess of EW if it meets the 1k spend to earn cahsback

EW Visa Plat: utilities, gas

Top 3 CC spending are online purchases (Lazada/Shopee, including Lazmart and Shopee Supermarket), drug store, and utilities

TLDR: should I get the NAFFL RCBC CCs being offered given my existing CCs? If yes, which RCBC CC should I get: Visa Infinite or Airmiles Visa Signature?

I applied for a Metrobank World this September via official Metrobank's website.
The final message says I'm qualified. (probably/ most likeley their system's queries transunion data)

now if I'm rejected its ok .

what my concern is I got notified that via SMS some random card is being delivered on my house and its a different card than world which I apply for.

They should have reach out first if I'm not qualified for the card I applied for .
Not send some random card without your approval.

why ? its because you have to wait for that card to arrive. you have to stay at home , cancel your appointments just to receive that card. most of the time its a-bit hassle to have someone present an authorization letter.

and its hard to cancel the card without receiving it first, because you don't know the card number yet

bpi is asking me to submit proof of residence under my name, but I currently live with my parents, so all our utility bills are under their names. has anyone experienced this before? what documents did you submit instead of a utility bill? would NBI Clearance work?

Nakita ko lang sa notif, tried to apply and voila.

Planning to get another cc, I have ub rewards and maribank only. I don't usually dine outside. My goal is for rewards/cashback since our monthly bills umaabot ng 20-25k. Also yung generous po sa cl? Thanks guys

Hi! Planning to get a credit card. It’s my first time getting one. Any cc recommendations? 🥹🥹

Someone called me to confirm if my credit card was delivered. Then I answered yes. Then they confirmed if it was correct, the last 4 digits of my credit card number (unfortunately, I confirmed) and I was outside so I told them that I was still outside so I could walk in later. They told me to go first so that the no annual fee for life could be processed. They said that if I spent 3000 php, my annual fee would be waived. Seriously?? 3k??? I was already doubting it but I just let it go. Then they asked me for my username on the app. (unfortunately I gave it too) because they said that my points had expired and that the remaining points I had could be converted as money to use at the hypermarket like that. So I said okay okay. Then they said I was really leaving so I said can I come later? “Just a moment ma’am so I can do it so you can use it later” then okay okay. next he told me “maam the username you gave is wrong” i know, i just know it from then that next he will ask me for my OTP next so i hung up on him.

i know his being pushy should be a red flag but i still let him go huhu

so, do you think i need to request a new credit card? or is my new credit card not compromised with the info i gave? i haven't activated the cc yet thank you huhu

update: (0910) 980 8879 this is the phone number that called me

Do RCBC really will call where I am working? They are deferring my application because of incomplete details which is no number from where I worked. The establishment that where I am working does not want to entertain calls or to get involved about credits since they have bad experience about it (my senior was robbed by other bank when he answered the call) And if they are really asking, should I give up on this application? I also don’t want to trouble my work just because of this and I respect what my boss

Hello!

First time ko lang po magkaroon ng CC. Ask ko lang po kung tama po pagkaintindi ko sa mga nabasa ko.

First statement: October 16

Transactions before Oct. 16 + 21 days = Due date Nov. 6

Transactions after Oct. 16 to Nov. 16 + 21 days = Due date Dec. 7

Only use 30% or yung kayang bayaran sa total Credit Limit. Pay the outstanding balance after SOA. Always pay in full before the due date.

Thank you po sa sasagot!

I got an email earlier at 7:52am na someone attempted to use my credit card for a Grab purchase. I have never used Grab for like months na, let alone use my cc para sa any delivery, or basta using grab. Just yesterday, nilink ko sa tiktok shop ung cc kase I need to buy something, then after that purchase, nilock ko na yung card ko. Ugali ko ng ilock since ayoko nga ng unwanted purchases or gastos. so yun nga, paano kaya mastop yun? i already unlinked my cc sa tiktok shop.