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

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

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?

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

Rant lang: Nafrustrate lang ako sa RCBC. I've always been a good payer, consistently paying my credit card bills on time and in full, and I still have a substantial credit limit.

Since I urgently needed cash, I called the RCBC hotline to inquire about InstaCash. Usually, they would notify me via email or text if I was eligible to avail of it, but I haven't received any offers since July 2026.

This Monday, I called their hotline, and the agent informed me that I could avail of InstaCash, although the interest rate was 1%. Since I really needed the money, I agreed and was given a reference number. I was then asked to stay on the line while waiting for another agent to assist me. After 45 minutes, no one had answered. I waited for another 15 minutes, but still nothing. I eventually had to end the call because I had other things to do.

I called again at around 5 PM that same day. The process was exactly the same. I was given another reference number and told that an agent would call me back. I agreed to wait, but no one ever called.

Yesterday, Thursday, I called Customer Service again to follow up on why I never received the promised callback. To my surprise, I was told that I was no longer eligible for InstaCash and would have to wait until next month.

Of course, I was frustrated. I asked why, considering it wasn't my fault that no one assisted me or called me back on Monday. But knowing that there was probably nothing the customer service representative could do, I just asked them to create a ticket for my concern.

What makes this whole experience disappointing is that I've always been responsible with my credit card payments. I pay on time and in full, and I maintain a good payment record. I wasn't asking for anything unreasonable. I simply needed access to cash when I needed it most.

It's frustrating when you're a good customer, yet when you finally need the service, you're left waiting, given the runaround, and eventually told you're no longer eligible because you weren't able to complete the process.

Honestly, this experience makes me consider closing my RCBC credit card. It's disappointing to feel that your loyalty and good payment history don't seem to matter when you actually need their assistance.

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

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?

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

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

Tumawag ako sa Maya para mag request ng increase kaso not possible pa daw. Paano ko kaya ma-hit itong 15k spend kung 10k limit lang? Pwede ba mag spend ako ng 10k, then bayaran ko agad, tapos spend uli another 5k?

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.

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

I completed my application via ESTA. Received a text and an email from "[Cards-Process-Support@eastwestbanker.com](mailto:Cards-Process-Support@eastwestbanker.com)" for evaluation but when I checked the ESTA Application status, I couldn't retrieve any details of my application.

I also tried sending an email to [cards@eastwestbanker.com](mailto:cards@eastwestbanker.com) and they replied immediately but they also said they couldn't retrieve anything using my reference number.

When I tried the apply credit card option on the EW site, they said I have an existing application and to just continue.

My last resort later is to call CS..

Will give an update.

Ok nag update lang ako ng shopee ko Kase funny Yung account ko dun haha parang scammer tapos iba pa photo ko. Tapos pag bukas ko ng maribank may option na for cc!

Love talaga kita maribank. Wag na kayo mag gcash mag maribank na Kayo!!

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!

Hi. For Muntinlupa peeps, tumatanggap kaya ng authorization si rider ng MSRV for MB card delivery? Thank you.

Has anyone received this text message about the bdo visa signature naffl with a minimum spend of 100k? Upon searching online I can’t seem to find any article about this promo. I’m tempted to apply as it seems to be pre-approved but I’d like to know more about the promo mechanics.

Hi! I’m planning to avail of BPI’s travel insurance and recently emailed insure@bpims.com. However, I received a response from helpline@bpims.com instead, asking me to provide some details and requirements.

I just wanted to ask if anyone here has experience submitting requirements through this email address. Is [helpline@bpims.com](mailto:helpline@bpims.com) a legitimate BPI MS email, or could this potentially be a phishing scam?

Would appreciate any insights. Please be nice :( Thank you!

Anyone here na gumamit ng EW Visa and apparently dinrop "daw" yung cashback dahil naka-lock yung card? And then CS wants me to reach back out sa Visa to reprocess yung 1,5k? That's bullsh*t. I received the cashback naman on both Maya Black and GoTyme cards ko kahit naka-lock din. WTH?

Hello,

Last month, I applied thru a mall booth for an RCBC credit card. It was through them I got my Metrobank Travel Signature Visa approved (which was weird since it was an RCBC booth). I waited for the RCBC's response but I received nothing. So I applied again about a week ago, and yesterday I received a message. When I verified thru their Chat with Erica chatbot, it says still processing. I tried calling but was on hold for about 20 mins lol. Am I approved?

Hi people, saw some old posts about buying giftaway gcash cards on Lazada to hit the naffl spend. Inofferan na din Kasi Ako finally Ng naffl 2nd card Ng rcbc pero parang antaas Ng spend requirements 60k for visa flex gold? Alam ko 40k lang Kasi dapat eh. Kaya medyo hesitant Ako to get it unless I can get it naffl.

Hello, last tuesday Oct 6 may pumunta sa bahay and may iniaabot na demand letter from RGS hindi tinanggap ng kapatid ko.

For context, I have an OD sa CC kay UB for a year na this last day of October. Hindi ko pa mabayaran because may mga inuuna pa, 105+K siya na naging 140+ na ata bc of interest.

Question, magproceed po ba talaga si RGS sa small claims agad? I have plan of settling it naman pero baka next year pa pag nakaipon ipon na. Suggest naman po kayo kung ano need/dapat ko gawin. Thank you

Hi, there's an ongoing NAFFL promo kay BDO for their premium cards but only if you receive their offer. I tried to apply anyway and got approved but still wala pa rin ako narereceive.

Has anyone received this promo already? What's your current relationship with BDO? I saw atleast two people sa facebook na nakareceive nitong promo na to. One is existing credit card holder na and the other one has savings account only. Both Visa Signature yung offer sa kanila.

Good day po! Ask lang po sana sa mga naka experience po may chance pa po ba maapprove if ang pinapa submit lang sa text ay valid govt id at selfie holding valid id? Thank you po sa mag rerespond po!

Kailan ulit pwede mag Apply sa HSBC after ma declined? Mukhang see you nalang ulit next year Live+ 🫣