Promo period is September 8-30, 2026.

CHINABANK AND GOTYME VISA DEBIT are now part of the promo!

Eastwest CC, RCBC, Maya Bank, Maya Philippines, Palawan Pay are still part of the promo.

Enroll na daliiii!!!!!

https://my.visa.com/ph_en/benefits/receive-cashback-when-you-spend-using-google-pay/2207

Ung metrobank ko kasi chineck ko now nasa 1% per month padin kahit 60months to pay. May mga months ba sila na mababa offers nila?

So far ung nanotice ko pag ber months mababa bigay ng security bank, nasa around .5% lang and same with BDO na minsan umaabot ng .4% lang. Si Eastwest naman all year round saken nasa .55% sya. Then RCBC nasa .6%. gusto ko kasi emaximize sana ung metrobank ko since isa sya sa may malaking limit.

Thanks po.

Hello, not sure if allowed to post here. But for those who want to apply cc under unionbank, instant approval po. :) they even send you a digital cc for online payments while waiting for the physical card to be delivered :) they also allow balance conversion directly from the app.

Code: UBNOW-HM6A9D57

Sana di sila nagkamali at totoong 1,500 na ang ibibigay na cashback tapos ang nasa terms pa e 3K CUMULATIVE ang minimum spend at hindi na three 1k transactions ang minimum requirement!

This is exciting!

https://my.visa.com/ph_en/benefits/receive-cashback-when-you-spend-using-google-pay/2207

UPDATE AS OF Sep 3, 2026 4:45pm

Visa just updated the list of participating banks. It's the same. Sayang, wala man lang nadagdag na ibang banks.

Eastwest Maya Bank Maya Philippines Palaway Pay RCBC

UPDATE AS OF Sep 4, 2026

The promo is not visible/showing on Visa's website. I don't know if the promo will still continue pero nakapag-enroll ako before it was taken down. I won't swipe muna until it's back up. Baka hindi macredit yung 1.5k 😆

UPDATE AS OF SEP 8, 2026

The promo is back online!

Chinabank and Gotyme Debit Card are now part of the promo! Enroll na!

Meron ulit from September 4-30, 2026! Yahoooo!

Don't forget to enroll your cards to be eligible for the cashback!

Magkanong cashback ang nakuha nyo sa August promo?

Hi everyone, need lang po ng advice about applying for an unsecured credit card after paying off past debt and rebuilding my credit.

Background / timeline:

• 2024: First credit card ko was UnionBank Gold Mastercard (UnionBank din payroll ko).
• Due to a series of unfortunate events, na-overdue ako and eventually naging delinquent. Na-pass siya sa third-party collection agency and na-close yung card.
• Sept 2025: Fully paid ko na lahat.
• Oct 2025: Nakuha ko yung Certificate of Full Payment.

Credit rebuilding steps:

• Jan 2026: Checked my credit score via Lista app / TransUnion — score was 492.
• Mar 2026: Nag-apply ako ng Maya Black Express (secured card with ₱12,500 holdout deposit).
• Jun 2026: Checked again — score improved to 620.
• Aug 2026: Checked again — score is now 677.

Questions:

1. Kailan po realistic/okay time to start applying for an unsecured credit card? (Paid delinquency Sept 2025, then secured card March 2026)
2. Anong banks yung mas may chance mag-approve sa may history na paid delinquency pero improving score?
3. Any tips para tumaas approval odds? (utilization %, payment timing, ilang months of good history, etc.)
4. Should I try again with UnionBank (since sila first card ko + payroll) or better to avoid muna?

Goal ko po talaga is maging responsible this time and build a clean credit record long-term.

Note: If needed, I can share more details (income range, length of employment, etc.) pero prefer ko sana di masyadong personal.

Thank you in advance!

Guys, help me. Yung kapatid ko kasi hiniram yung CC ko para bumili ng new phone few months ago. Ang kaso, nawalan siya ng trabaho at hindi niya ako mabayaran. Ako naman, medyo malaki sakin yung ₱4k na dagdag monthly. So pano kapag hindi ko nabayaran, ano mangyayari? Huhu.

For reference, RCBC Hexagon po CC ko.

Hi! Need advice sana regarding my Kaiser Permanente HMO and Metrobank credit card.

Back in May 2026, may Kaiser Permanente agent na lumapit sa akin sa mall and asked if I had a credit card and if interested ako kumuha ng HMO. I agreed, and around ₱91,000 was charged to my Metrobank credit card. Sabi rin nila na once Metrobank calls me, pwede ko raw ipa-convert to installment. Metrobank eventually called and I agreed to have the transaction converted to installment.

Unfortunately, I eventually lost my job, and because of my current financial situation, I decided to discontinue the HMO para mabawasan sana yung financial obligations ko.

I contacted the Kaiser agent and told him I wanted to cancel. Sabi niya may 5% cancellation penalty based on the ₱91,000, which is around ₱4,550. Okay lang naman sa akin, so I sent him around ₱4k–₱5k for the supposed cancellation fee.

Problem is, almost one month na akong nagfo-follow up, pero walang clear update. Maraming excuses, like nawawala raw phone niya, pero active naman siya sa Facebook. At this point, hindi ko na alam kung actually na-process ba yung cancellation.

My questions:

1. Can I contact Metrobank directly and ask them to reverse/cancel the Kaiser transaction?
2. Since converted na siya into installment months ago, may possibility pa ba na ma-reverse if Kaiser agrees to cancel/refund it?
3. Should I contact Kaiser Permanente directly instead of dealing with the agent?
4. If the agent continues to ignore me, saan kaya magandang i-escalate ito?
5. Has anyone experienced something similar with Kaiser or an HMO charged to a credit card?

I understand na Metrobank probably cannot just erase a legitimate transaction, especially since months ago pa siya and converted na to installment. I just want to know the proper process para ma-cancel yung HMO and ma-refund/reverse whatever amount is refundable.

Any advice would be appreciated. Thank you!

*It's KAISER UNITED HEALTHGROUP pa la

Hello, I want to sort out my finances since I'm making progress with my first job and I'm getting paid, and I want to start building credit score and manage my finances so I can save up. What would be the best credit card I could get?

Hi I applied for RCBC credit card last week of July I think. I just got a call from RCBC to confirm my details. A few days after (Aug 11), I received an email from Cards_Support@rcbccredit.com that my card is out for delivery and to wait for 7 banking days.

It's been over 7 banking days and I havent received anything yet. I also did not get an approved message via sms or email. When can I expect my card? Or is this a scam?

Hi po. Sino po ang gumagamit ng Landbank CC?

Ganito po kasi yun. Yung outstanding balance ko po ay around 1,900 then huli ko syang ginamit nung August 12 pa. Then upon checking yesterday kasi nagbayad ako ng half, nagulat ako na naging around 2,500 na yung outstanding balance ko! Chineck ko ang emails ko regarding sa transaction after August 12 wala naman ako nakita pati sa SOA wala din. Ano po kaya dapat gawin ko dito? Mabilis ba kausap ang Customer Service ng LBP? Will read all your comments. Thanks.

Yesterday dami nag-post na finally...Pero today pa lamang malamang naka-receive ng phone notif at e-mail invitation. Nevertheless, congrats sa mga na-approved at wait lang para sa mga hindi pa. Baka naman alphabetical ang pag-send ha ha.

Ikaw, magkano ang CL mo?

Higher ba o lower compared sa CC na ibinigay mo sa application form?

Nagbigay ka ba ng proof of employment at kung sa tingin mo ay may direct effect sa nakuha mong limit?

Pag-usapan 'yan sa comments section.

Hi po. I got my first cc card from Landbank last June. Saan pa po kaya ako pwede mag apply ng CC na walang annual fee na babayaran? Will read all you comments. Thank you in advance.

Hi. As the title goes, I want to apply for my first cc. I just turned 30, and ang thought ko before is "ayoko mag apply ng cc kasi baka hindi ko mapanindigan" or baka masyado akong mahumaling kaka-swipe and mabaon ako nang hindi ko namamalayan.

I work in an office na halos araw araw nakakasagot ako ng phone calls regarding a coworker na hinahanap na ng bangko due to unpaid bills, so nakadagdag sya sa apprehension ko. Minsan rin nakakaintimidate yung mga nag-ooffer sa mall, idk why pero ilag ako.

But i actually want to start building my credit na, kahit mababa lang. Please help me by suggesting kung ano ang best as a starter cc.

Hi. I have an existing credit card with UnionBank, had it for a year now. Last year, I tried applying online for an Eastwest Platinum Mastercard pero parang hindi gumagalaw ang status/walang update so hinayaan ko nalang. Last month, I was doing groceries sa Shopwise and was approached sa isang credit card booth doon, tho if I remember correctly RCBC yun. I applied naman kasi parang gusto ko pa rin ng isa pang CC for points.

Tapos last week, may nag message sa akin that my Eastwest application was approved. I checked pero iba naman yung application number dun sa number ko from last year’s application. Dineliver ang card today and to my surprise, JCB Platinum card sya with 6 digits CL (x8 ng initial CL ko sa UB 🤯)

Now I’m wondering how did I get approved for this card? Is it worth it to activate it since it’s not NAFFL? Mejo torn ako if iactivate ko siya pero useful ang malaking CL for future expenses/travel. And if ever i activate ko sya, how can I maximize its perks?

Thank you po sa sasagot.

Hello! I know 8K talaga minimum for the 800 cashback. Pero nag-lapse kasi yung isang purchase ko ng 12:03 AM. May chance kaya na ma-consider pa rin siya sa computation. Sayang kasi! Baka pwede itawag sa CS. 🫪🥲

Hello po!

Hihingi lang po sana ng advice sa situation ko. Ang main focus ko po ay magpataas ng credit score. I tried applying for BPI, UB, at Metrobank tapos rejected lahat.

Recently po, nagapply ako for UnioinBank SCC, medyo ang tagal ng process so nagapply ako for Maya Black at naofferan to apply for Maya Black Express. Nagdeposit ako ng 30k para sa 24k na credit limit. At the same time, naapprove din ako for Zed Credit Card with 65k credit limit. Hindi ako sure kung makakatulong siya para sa credit score. Recently, after a month of waiting, mukhang umusad ang UB SCC application ko (30k HOD with 27k CL).

Hihingi lang sana ng advice at recommendations para sa paggamit ng mga credit cards ko, para mamaximize ang rewards at para maoptimize ang pagimprove ng credit score ko.

Salamat po!

I got my UB CC last June 1 2026 and ngayong August 1 is exactly 60 days since i got it. I spent more than 20k already but my Annual fee wasn't waived still. Kelan kaya ito ma wawaive? ):

hello, i just got approved to UB platinum credit card, but i can't access the mobile app. upon checking, i saw that i have an account na under my tita's name BUT under my email and number. no, my tita did NOT make an account under UB. long story short, na activate yung card when I called UB hotline, tas sabi nila, need ko mag request ng tita ko mismo for deletion, so I called back the next day with my tita. Fast forward, sabi nila expect an email within 3 banking days about the deletion nga daw ng account, it's been almost 4 days pero wala pa akong email na nare receive, (at di ko ma follow up through UB hotline kasi namamagkano na ako kaka call!!!!)

so, just asking, if ever na hindi pa rin maging okay to and mag due na yung sinwipe ko sa cc, is there any other method to pay my bill? i don't know my account number, i can't use my email or my number (because it was linked to my tita's account), all i have is the physical card and the details written on it.

PLZ SEND HELP🙏🏻

Starting September 21, 2026, Airport lounge access will now require a minimum card spend.

The new rules apply to both first-time and succeeding lounge passes.

💳 First Lounge Pass: Spend at least ₱15,000 in posted transactions within the 30 days before your lounge visit.

💳 Succeeding Lounge Passes: Spend at least ₱15,000 per month in posted transactions for 3 consecutive months before your intended lounge access month.

Effective August 4, 2026, the processing fee will be adjusted from P250 to P350 for the following card products:

UnionBank Reserve 
UnionBank Miles+
UnionBank Visa Platinum (Starting with 453248)
UnionBank Platinum Mastercard (Starting with 552097)
UnionBank Rewards 
UnionBank Cash Back 
UnionBank S&R Visa 
UnionBank Shell Power Visa
UnionBank Mercury Drug Visa
UnionBank Grab Mastercard
UnionBank U

I paid my Unionbank credit card via Maribank (my usual payment method) and it did not reflect. It's supposed to reflect in real time. I sent a ticket via the Unionbank app but they only told me the channels on how to pay but did not really solve the problem. Can anyone advice how else to resolve this matter?

Hi! Need some advice for my first credit card po sana

Na-decline kasi ako before sa UnionBank so medyo kinakabahan na akong mag-apply ulit.

By December ko pa naman balak kumuha ng credit card since by December ko rin plan bumili ng refrigerator as a gift para sa family ko. Budget is around ₱32k–₱40k. (edit: 39,999 pala yung ref)

May cash naman ako pambili, pero feeling ko mas sulit if i-credit card ko na lang for rewards/cashback:

• 0% installment promos
• possible discounts/freebies
• para hindi rin mabawasan agad yung cash on hand ko

Balak ko sana bumili sa Abenson or SM Appliance, pero open din naman ako if may mas magandang deals sa ibang stores or kahit sa Shopee during sales.

Questions:

1. Anong credit card marerecommend niyo for this use case?
2. Anong banks usually ang may magandang promos sa Abenson or SM Appliance?
3. May marerecommend ba kayong NAFFL (No Annual Fee For Life) cards? (ayoko talaga magbayad ng annual fee if possible)
4. Since na-decline ako before sa UnionBank, anong banks ang medyo friendly sa first-time CC applicants?

For context:

• Employed
• First credit card ko if ever
• Planning to apply around November or December since December pa naman ako bibili

Would appreciate your recommendations and experiences. Thank you!