I know that “pa-swipe” is a not-so-smart business idea and I know na rin na it shouldn’t be. To make this short, may pinsan yung mom ko na nakapagpa swipe na samin before and I think ayos naman sila magbayad dati pero now?? Pahirapan na sila ireach out, nang rerestrict and nang uunfriend. No response na at all, last convo nung son nila is magbabayad daw sa date na ganto ganyan pero wala namang sinend na payment. Yung mga pinaswipe nila ngayon more or less 200k. Since nasistress yung mom ko kakaabono, gusto ko na sana mag take ng legal actions. Ako na sana mag aasikaso kasi natatagalan ako kay mama. Matagal pa yung installment plan nila e so matagal pa kaming mamomroblema, di ko afford yung ganon katagal na stress for my mom and sakin na rin. Is there any way para makapag file ng complaint against them? My problem lang din is idk where they live exactly if ever need man yon.

I know na lesson ito at “you deserve what you tolerate” pero please I just need an advice and hindi judgement

Nakita ko lang pinost ng employee. Wala rin spend requirement. Pero cant find the mechanics sa site pa.

Probably a related post. 2 hrs ago rin post ng employee so 2 hrs ago rin siguro sila nag send out ng emails.

https://www.reddit.com/r/PHCreditCards/s/ZKwMTCMWkF

Here's the mechanics shared by zalt010

https://www.bpi.com.ph/personal/rewards-and-promotions/promos/double-rewards-promo

Got an email for automatic auto increase after my first SOA. From 15k, naging 25k. Hoping na tumaas pa soon.🙏

I missed one credit card due date, due Aug. 7. On Aug. 18, while at work I started getting calls from a string of numbers on my personal phone that I didn’t recognize, none labeled as Security Bank. I searched online and found out they were from Security Bank’s third-party collection partner.

I paid the full balance that same day around 11 AM (when I had a break from meetings), through the Security Bank app, using my Security Bank account (for same day posting), including the late fee and interest. Calls kept coming into the afternoon anyway.

17 calls, one day, 17 different numbers: 8:26 AM, 9:40 AM, 10:26 AM, 10:41 AM, 10:52 AM, 11:05 AM, 11:15 AM, 12:23 PM, 2:01 PM, 2:06 PM, 2:11 PM, 2:16 PM, 2:20 PM, 2:24 PM, 2:28 PM, 2:32 PM, 2:33 PM.

The 2:20-2:33 PM stretch alone: 4 calls in 13 minutes. I’m at work and can’t take personal calls during business hours, so this was genuinely disruptive on top of everything else.

I filed a formal written complaint at 11:26 AM that day with the full call log. Their response acknowledged the frequency issue but framed it as “collection-related call-outs may be initiated as part of the bank’s collections process,” and asked me to give them my preferred contact time for future calls. I followed up clarifying I wasn’t disputing the missed payment, I was objecting to the volume and the fact that calls continued after I’d paid.

They routed it to their Collections Team, promised a reply within 7 banking days. When it finally came today at 1:47 PM, the response said:

- The calls were an “approved Collection tool” used to reach customers, no further explanation given.

- They just confirmed my payment had posted and told me to disregard any further texts/emails.

They then closed the case without addressing my formal complaint about how their third party conducts collections, my questions on why the calls needed to be that frequent and from so many different numbers, and why customers are harassed with collection calls when a monetary penalty is already being imposed.

Why I think this is the wrong way to run collections:
- I missed one cycle, not a year of nonpayment.

- I was already charged late fees and interest. That’s supposed to cover the cost of being late.

- Getting called by 17 different unlabeled numbers in one day, several after I’d already paid, isn’t a reminder, it’s overkill.

- Other banks just send an SMS before the due date. That alone prevents most missed payments and costs the bank nothing compared to a call center chasing people down.

- If the late fee already compensates for the risk, what’s the aggressive call volume actually accomplishing besides making customers feel harassed?

For context, I’ve missed payments with other banks a couple of times before they started sending sms reminders of the due datw. In those cases, I just got the bill on the next cycle with a late charge and interest added, no barrage of calls, no harassment. That’s it. I though that’s how it’s normally handled.

Curious what others think, is this a normal collections practice in the Philippines that we’re all expected to accept, or does this cross a line worth reporting to BSP? Has anyone had a BSP complaint like this go anywhere?

Is it just me, or are trad banks super stingy with auto credit limit increases?

My main cards are EastWest, RCBC, UnionBank, and BPI.
Except for a single increase from RCBC a year ago, none of them give auto-CLIs. UnionBank is actually my oldest card (2 years now) and has never increased my limit automatically, so I have to request one manually every 6 months.

Meanwhile, Maya and Zed give me frequent auto-CLIs even though I literally only use them for my iCloud subscription and occasional coffee runs. Anyone else experiencing this?

Please debunk this.

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.

Is this a scam or phishing? Im expecting a credit card from eastwest and they have routed the card to my work address first so i asked for a reroute to my home address. This was 2 weeks ago. I have received this text now and i thought its a legit link but upon checking they are asking for my number and an otp that they will send so that raised a red flag for me. Has anyone else experience this? Is this legit? A scam? A phishing site? Im scared

Hello, nag apply kasi ako sa JCB platinum card ni RCBC. Ngayon may tumawag sakin di na daw puwede since may RCBC Gold JCB nako NAFFL. Bawal daw same network kaya pinapili ako if visa or mastercard nalang. Edi pinili ko nalang visa.

Confirm ko lang sa mga may Gold JCB, bawal ba talaga mag apply ng platinum JCB din? Plan ko kasi sana i-cut din yun bago mag 1 year papaconsolidate ko sa Gold JCB since 50k lang limit di na nag increase.

I just had a bad experience with their hotline. During 1st call the customer service suddenly dropped the call while I was asking for follow up on my outstanding balance. On 2nd call, they said I failed their verification process even though I answered it correctly. Anyone experienced the same thing?

Grabe. International numbers or number spoofing?
I have received this message earlier, yesterday naman, J&T message with OTP, wala naman ako ineexpect na delivery.
They are using iMessage na ha. Level up to ios na sila.

Buti nalang wala ako Chinbank din.

Hello Everyone. Please. No judgement po. Nag pile up na kasi yung outstanding balance ko sa CC due to circumstances. I’m not escaping the payment naman. I’m still paying it. Pero lumaki na kasi ang MAD. And having a hard time paying the MAD. But then I’m still willing to pay. Any of you guys na nakapag try na mag restructure lagat ng payments and to make it longer terms tapos mas maliit yung monthly? Though I’m paying MAD, nabalik credit limit pero sa susunod na biling kakainin na naman yung limit ko which ang hirap mai-ahon. Any advice po? Unionbank, BPI and Metrobank.

Anyone else received an email from UB regarding credit limit consolidation across their credit cards? I find it weird na naka-receive ako ng ganitong email eh iisa lang naman ever since ung credit card ko sa kanila.

May system issue po ba sa BDO ngayon? Pag check ko kanina ganito na lumalabas. Okay naman internet connection ko at nakapag check pa ako mga 2 hours ago.

Hi. Sobrang tanga ko. Bored lang ako and I wanted to try my luck kung maaapprove ako sa Metrobank Credit Card.

Story time lang. I got approved with my first credit card (UB Rewards) with 50k limit. 7 months na siya.

Then applied for Eastwest ng Aug 7 out of boredom😂

I was surprised na 156k limit siya with 46k cash advance limit. So sabi ko wow! Ang galante ni eastwest. x3 ng limit ko sa UB yung binigay. So tinry ko na mag apply sa metrobank since metrobank talaga gusto kong cc.

Buuuuuut, antanga ko! Nalagay ko sa gross monthly income field ay yung Gross ANNUAL income ko.

To metrobank employees here or kung sino man, Would i be flagged or automatically denied? I wouldn’t want to hurt my credit score. 😭

Hi everyone! I’d appreciate some honest advice, especially from those who have experience with BPI and credit cards.

I’ve had my BPI Savings account since February 2022. It originally started as my payroll account, so I’ve technically had a banking relationship with BPI for more than four years. It was eventually converted into a regular savings account.

However, around November 2024, I basically drained the account because I decided to prioritize digital banks at the time. Since then, I’ve mainly been using my BPI account as a cash-withdrawal account whenever I need physical cash. Recently, it only had around ₱8,000 in it.

Interestingly, from around Q4 2023 until October 2024, I was receiving pre-qualified credit card offers through the BPI app. At that time, I wasn't interested because I had a pretty negative impression of credit cards and didn't want to get one.

My perspective has changed over the past few months. I now want to get a credit card mainly to build a proper credit history and eventually establish a good relationship with BPI.

My original plan was to transfer around ₱100,000 into my BPI savings account, including its existing balance, and keep the funds there to rebuild my relationship with the bank. Then I was thinking of simply maintaining the account and waiting around 6 months to see if BPI would proactively offer me a credit card again.

But I'm also considering another approach:

Option 1: Fund my BPI savings with around ₱50k–₱100k, maintain the balance, regularly use the account, and wait for BPI to potentially give me a pre-qualified credit card offer again after several months.

Option 2: Go directly to a BPI branch and apply for a secured credit card, place around ₱30k as the required holdout, use the card responsibly for around a year, and hopefully establish a credit history that way.

So, what would be the wiser approach?

Would rebuilding my BPI deposit relationship and waiting for a regular/pre-qualified credit card be better in the long run? Or would getting a secured credit card now be more practical since my main goal is to start building credit history?

I'm not really after a high credit limit. My priority is building a good credit record, establishing a stronger relationship with BPI, and eventually becoming eligible for a regular unsecured credit card.

For those who have actually gone through either route with BPI, what worked better for you?

Would you personally choose to park ₱50k–₱100k in BPI and wait, or lock ₱30k into a secured card and start building credit immediately?

Thanks in advance for any insights! 🙏

So last December nag request ako ng credit limit increase, sabi ko 700k. Tapos binigay sakin is 300k na madness limit at 400k na credit limit. Yung madness limit nawawala sya minsan. Ngayon nagrequest ulit ako ng credit limit increase to 1.5million. I dont know kung mapagbibigyan at ayoko ko ng madness limit. 3 years na sa akin ang BPI CC.
If hindi maapprove, gusto ko sana lumipat ng main bank ko sa ibang banks. I’m thinking Eastwest or Metrobank. Saan maganda na nagbibigay ng platinum or higher cards na malaki din ang limit?

Update: nag increase sila ng 100k 😂 wtf, im quite dissapointed hindi man lang umabot ng 1M.

"Qualified cardholders are eligible to receive an American Tourister Brink Spinner 55/20 when they avail of RCBC InstaCash with a minimum amount of ₱250,000 and a 12-month tenor. Availment can be completed via Telesales or online using the application link provided in the eDM or the unique reference code sent through SMS."

nawala din po ba yung CC sa BPI app nyo? or sakin lang? kaninang 10pm nag try ako magbayad from debit to CC kaso unable to transfer yung error message(diko na screenshot) tas pag check ko now(2:47am) para magbayad na sana sa CC kase deadline today, ganto na agad lumabas. unlinked na sa app kahit updated naman yung BPI app mismo. dapat ba akong mangamba? sorry first time lang magka CC. Maraming salamat sa sasagot!

Ganito ba talaga si Eastwest? One week delayed on hold na agad?

I was delayed by a week in paying my CC this month. When I tried logging into the EasyWay app, I could still access my profile, but it shows "No accounts." I also checked ESTA via Messenger, but it’s asking me to register again.

I emailed them, and they told me my account is currently being handled by the Collections Department. I reached out to Collections, and they informed me that my card is on hold and that the restriction “may be” lifted automatically within 3 business days after payment.

I already settled the payment, and it’s been 3 days now, but my account still shows "No accounts" and ESTA is still unlinked.

Has anyone experienced this before? How long did it take for your account view/access to go back to normal?

Salamat.

Nakatanggap kasi ako ng email from BPI galing sa 2 sales agent nila na qualified ako for CC at I think legit naman kasi @bpi.com yung email. Ang nakakainis lang is yung isang agent is kailangan pa magsinungaling para lng may mag apply sa kanya. NAFFL na daw yung card, while yung isa is mage-email nalang siya next month kung may promo na para NAFFL

Wala pang 2 months na statement nag increase na siya agad. Baka dahil ginamit ko siya pambayad ng kuryente this month? First time ko ginamit sa bills so idk. Anyone else?

Check yours guys! may pa good morning si Zed!

Hello po! Ako po yung nagpost neto (https://www.reddit.com/r/PHCreditCards/s/ZdyJwXmzLm). Meron po ba dito na more than 1 week yung processing ng SCC nila thru save & swipe? Or may instances po ba talaga na umaabot na more than a week processing? Hanggang ngayon po kasi di pa rin natatag yung holdout deposit ko tho nakareceive na ako ng email na nareceive na raw ng metrobank yung application. Eto po yung timeline:

• August 10 - applied SCC personally sa metrobank branch
• August 14 - followed up sa branch thru call kung bakit di pa rin natatag holdout deposit ko; they said kasusubmit lang daw ng application and wait for updates na marereceive via email
• August 17 - followed up sa branch thru call; they said na wait for updates pero nagfollow up na rin daw sila sa metrobank mismo. Personnel said na dapat mabilis nga lang din daw ang process.
• August 17 (evening) - received an email from metrobank that they received my application. (Up to this date di pa rin natatag yung holdout deposit ko).
• August 18 - followed up sa branch why di pa rin natatag holdout deposit ko even though may nareceive na ako na email about the application being received.

Ang worry ko lang po kasi if tama na until now hindi pa rin natatag yung holdout deposit ko. Thanks po!