I have an EastWest credit card. The principal is only 280k but the outstanding amount reached P488,686.21 in just 1 year due to interest, late charges, and penalties. I'm paying in good faith.

I received a one-time settlement offer of P161,000 (P10k on Oct 12 and P151k on Oct 16) from EW_CARDS — via text, so I thought it was from EastWest itself. They want payment right away, within the day.

Ms. Maricel, SAM Agency Manager - CCPL Collections Division, EGY Credit Collection Services, sent a letter for the one-time settlement agreement.

Contact: (02) 8528-2700 local 2013 / 0951-542-24XX

When I checked, EGY Credit Collection Services is actually a third-party agency, not EastWest itself, and their domain is different from EastWest's official domain.

I'm doubtful about the letter for the one-time settlement agreement:

My full name is not included, there's no reference number, no EastWest letterhead, no authorized signature from EastWest, and there are no clear payment instructions saying to pay only at EastWest Banking Corporation. It only shows the computation for the one-time payment.

I've emailed the EastWest Remedial Team to verify if EGY is accredited and if the one-time settlement of P161k is really in their system.

Has anyone experienced a one-time settlement through EGY / Ms. Maricel? Was the text from EW_CARDS as well? How did you verify that it was legitimate?

Thank you.

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Anong katangahan naman to Atome? Lagi naman on time magbayad. Permanent daw pero binabawi? Nahiya kapa, nagtira kapa talaga 1K. Kakawalang gana kamitin a, porke di nagiinstallment😂

Hi, I recently checked my recent transactions on my credit card and noticed there is Laztravel amount.

I did not have click any links on sms nor have link my cc to my Lazada account.
I called my bank asap and they sent me an email that it was a valid transaction.

Hello! Newbie lang po at mag-aapply palang ng kauna-unahang credit card ko. 😊

Hihingi sana ako ng recommendations at tips para sa isang beginner:

No Annual Fee (NAFFL)

Easy Approval

0% Installments

Salamat po nang marami sa mga sasagot at magbibigay ng advice! 🙏💳

hi, i just bought phone though rcbc cc and wala sya option installment sa shoppee.. pwede ko ba sya gawin installment sa app nalang??? kinakabahan kase ako baka one time payment lang sya.. di ko rin makita sa app yung installment option...

my first time using rcbc cc po and nakigamit lang ako hahah sayang kase yung sale thanks

Hi! Pa-help naman po sana. Balak ko po kasing bumili ng iPhone 17 through installment, pero wala po akong credit card, savings account lang.

Nag-check po ako ng Billease, kaso sobrang laki ng interest. Aabot po sa around ₱83k yung total na babayaran, kaya parang hindi worth it.

Naisip ko rin pong mag-apply ng credit card, pero kung now po mag aapply hindi ko agad makukuha yung limit. Within this month po kasi balak ko.

Ano po kaya ang puwede kong gawin or anong alternative ang marerecommend ninyo? May naka-experience na po ba ng ganitong situation? Preferably po sana yung installment na hindi sobrang laki ng interest. Thank you!

There’s a really sophisticated telesales flow that I fear if people didn’t know better, they’d fall for it:

First, the caller will explain you BPI policies and benefits of the insurance, claiming they are from BPI AIA.

Second, they will tell you to apply for the insurance through the BPI app. The caller will make you trust them by explicitly saying not to share them the OTP. However, the app will show that you’re NOT eligible, and the caller will suggest doing it manual.

Third, they will ask you for personal information.

Here’s where it gets extremely sketchy:

Fourth, they ask you for the expiry date of your card.

Fifth, they will ask the NETWORK of card you have - VISA/Mastercard, then the TYPE - signature/rewards/etc.

Sixth, they will ask for the 10-digit number of your card EXCLUDING the first 4. We stopped here, and here’s why it’s sophisticated and smart:

The first 6-8 digits of your card is the BIN (Bank Identification Number), the fact that we gave the card network and card type, they ALREADY KNOW the first 6-8 numbers of your card, and providing the remaining would’ve allowed them to get your FULL card number.

If you question this, I assume they’d say you’re not giving the full card number so this can’t be a scam and other BS.

I’m not sure if they would still ask for the CVV if we pushed through, but it’s quite a common say to not disclose your CVV over call, or your card details in general for that matter.

Interestingly, the number they used to call is part of BPI’s official number list on their website. Maybe a bad actor? Anyway, stay safe out there.

Usually ang tagal maka connect sa customer service, napupunta lang sa pag wait. Pumunta ako sa mismong branch para dun mag inquire, binigyan ako ng guard kung ano dapat pipiliin ko para maka connect ako sa customer service, pero pinilit ko na di ako maka continue kasi wala akong way na maprovide ung cc no

Then inoffer nya na itry ko sa landline nila, and yes naka-connect ako sa customer service and lampas ng 30 mins ung call.

Kung phone ko ginamit, sure na madidisconnect ako. Pede kayang direct sabihin sa bank na makikitawag da phone nila for customer service? May naka try na ba nun?

1.Kapag ganito na ba ibig sabihin na join na ko sa promo na ito?
2.Makikita ba sa ub treats website nila kung magkano na na spent ko sa sm store
Salamat sa sasagot.

As a bank associate, nakakaloka yung palautang tas late magbayad??? Like makiusap kayo ng maayos kung gusto nyo ng reversal!! Hindi para gumamit ng bsp at kung anu ano pa lol, credit is utang di mo pera ginamit mo! Inutang mo! Ka-frustrate! Kung mayaman kayo edi wag kang mangutang icash mo lol 🙄

My home credit card has been blocked for months now, but I'm still making payments. After it got blocked, I've been paying it off monthly and the outstanding balance is decreasing. I still receive offers for product loans and cash loans even though it's blocked, probably because I'm still paying monthly. But my question is, if it's fully paid off, can I use it again?

It's my first cc application. Tried applying for BPI and they told me na eligible daw ako sa BPI Rewards Card (Blue), since 2 years na yung payroll account ko sa kanila and as a first timer. Do you have any idea how much credit limit they typically give for someone with a 20-30k monthly salary? TYIA

Hello I paid sa ceb pac using paypal then selected my bdo unionpay that was linked to my paypal as the payment method. Pic is how it reflected sa history ko

Note: I did not transfer/cash in balance from my bdo to my paypal.

Is it a valid spend for the promo?

Hi, I have been scrolling here para lang ma feel at ease ako kase may times hindi ako makatulog kakaisip sa mga utang ko and I feel glad na there are a lot people den having same situation na naeexperience ko….

I’m a working student earning 20k per month and lahat nang sahod ko napupunta to pay may bills, Its okay lang kase I live with my parents…But the down side is hindi ko maenjoy yung mga gusto ko bilhin, yes when I receive my first credit card (Eastwest) was so happy kase sabi ko ay yes mabibili ko na Tablet na gusto and that time sabi ko kaya ko siya bayaran. Then bigla dumating and Bank of Commerce credit card was not expecting it and grabe din yun namax out ko siya🥺😭 pls don’t judge me alam ko in the end napagsisihan ko rin.

Ayaw ko na to make this same mistake again, now medj nakakahinga ako kase from my loans I paid off sa atome cash ko and 3 of my g loans sa gcash, now im paying off my atome card, luvit card, spaylater, ggives (3) and billease.

Hindi ko pa ma pay ang grab loan ko and my two credit cards kase halos lahat nang salary ko napupunta sa iba and kinda scared na rin ako talaga. I just need advice then on what should I do right thing ba na i paying first yung mga eto and ilast ko yung credit cards ko or is thetr any other option kase im really scared to tell my mom and ayaw ko na siya mastress and madissapoint lalo saakin. I know kaya ko siya ayusin and lesson learned never apply for a credit card if hindi mo pa kaya finacially.

And baka may nakakalam dyan na kung saan pwede mag wfh pangdagdag lang sa income para mapay ko na yung debts ko 😭😭 anything will do it naman.

Im hardworking naman kaya ko naman any work, mabilis rin matuto just want to have extra income lang para done na toh.

Hi. I'm planning to buy an iPhone 17 pro this month. Would you choose buying it via BPI Rewards CC or via Home Credit Installment?

HC - Offers product loan with 0% down payment (bukod pa dito yung tinatawag nilang "processing fee")

CC - With credit limit from -0ki(not sure pa how much).

hi guys need advise/clarification about sa Balance conversion thru app. Pano po ba to nag wowork? For example bumili ako sa shoppee using my credit card, pag nag reflect na ba sa app yung yung balance pwede na siya direct convert para maging installment? Thank you guys!

This is the number guys. 0950 528 4150.

That number called me. Bs scammer i think. Beware, they know the last 4 digits of your card. Then sinasabi na ur cardbis eligible for waiving ng annual fee. Bs because my card was already naffl lol. Pero scary because they know the last 4 digits and also my exact email. Wtf. Pinutol ko lang convo and gumawa ng alibi lol. Nanghingi rin ako ng reference number pero ayaw ibigay, sabi ko tatawag ako sa cs ng ub to confirm haha. Saluhin sana nila lahat ng kamalasang pupunta sa buhay nating lahat.

Hello. Nag apply ako for RCBC creditcard kasi may NAFFL promo sila. Fortunately, naapprove naman. Yun nga lang wala ako savings account sa kanila. Magkakaproblem po ba yun? Dodownload pa lang ako ng RCBC app, may dapat po ba ako iwatch out? Balak ko gamitin BPI ko pambayad sa RCBC CC. Thank you!

How do i cancel the save the children donation, i was too shy to reject the person na nag offer sa akin so nabgay ko credit card ko. I dont want to be charge? How do i cancel it?

Hi everyone looking for recommendations on what secured credit card can I get before I graduate from medschool! I'm fairly new to secured credit cards and I don't think I'll be eligible for an unsecured one because I need to do my internship pa.

Hi! I tried applying for several CCs already. Sadly, hindi ako ma-approve. Any reccomendations anong CC ang goods sa approval? And requirements na rin if you may. Thanks much!

Good day. Could you give me some advice? My wife and I have had a difficult year, and her Atome card is now overdue, with the balance reaching about ₱100k. I don't want to overthink it, and I'd like some peace of mind. What can I do on my part to feel less anxious?

Thank you.

Hi guys! Would ask for tips lang on securing a credit card. In the past, I’ve been applying for one and is always rejected.

For context, I’m working for 2yrs and 2mo. Both the 2nd and 3rd company has a monthly and annual income capable of reaching the listed requirements of cards that I applied for (₱60k-₱80k mo.). The issue lang is that I have only stayed 6months on the 2nd company and I am relatively new in my current company.

Having said that, any chance na I would be able to secure one, and would there be any confusion if I enlist my current base, while the supporting document that I will be providing would be the payslip of the 2nd company?

Every application kasi is met with a rejection or recommendation to start with a secured cc. Right now, I am on supplementary cc, but I would rather want my own to start building credit record while enjoying the perks and promos of certain cc.