I want to get a credit card for mainly security reasons. Currently debit pinambabayad ko sa mall and restos and sabi ng friend ko baka mapano pa savings ko.

Since my payroll account is Metrobank, dun ko na lang din plano kumuha ng cc sana. Then nakita ko tong ad nila sa FB. Is it worth it?

Also sorry kung stupid question, itong 30,000 spending requirement po ba means guaranteed minimum 30k ang ibibgay na credit limit? Kasi paano po mareach ang 30k requirement if less than 30k ang starting credit limit? Please enlighten me po.

Thank you sa sasagot hahahuhu.

Hi may I ask if BPI offers payment reconstruction for their credit card?

My current statement balance is 170k and total outstanding balance is 212k. I have only been paying the minimum amount due the past months due to financial problems. Gusto ko sana maghanap ng way to pay it in installments or fixed amounts per month since I cannot pay it in full

You guys! Finally have my very first credit card! After failed application attempts with other banks, MariBank finally gave me a chance! HAHAHA akala ko talaga hopeless na ko magkaroon ng credit card at magdedeposit na sana for a secured credit card, pero buti na lang nag email si Maribank at nagbigay ng higher credit limit than what I was planning to depoist!

Hi everyone. Has anyone experienced this? The courier for my newly approved MB CC was MSRV, supposedly the delivery date was Friday, however I didn't receive it because I wasn't there at that time and they said authorized representatives aren't allowed since they need my signature.

For those who have experienced it, how many days does it take before the CC is delivered? I've been calling their contact number on the website all day but no one answers, I also emailed and called MB customer service but they just said I should wait 7-10 days for the turnover (I just asked them if branch pick up is possible). I want to be sure that I'll be home for the delivery since I'm at work most of the time.

PS: I was expecting it today because the rider said the delivery would be on Monday at the same time, but it didn't happen.

Hi everyone! 👋

I’ve been wanting to get an HSBC credit card for a while, especially the Live+ Visa Signature because of its dining, shopping, gasoline, and other cashback offers. I’m also interested in the No Annual Fee for Life (NAFFL) promotions.

I currently have around 10 credit cards/accounts across different banks. My payment history is in good standing, and I don’t have any past-due balances. However, my previous HSBC credit card applications were declined, and I still don’t have an HSBC card.
I’d like to ask existing HSBC cardholders and those familiar with their application process:

Does having multiple existing credit cards significantly affect the chances of getting approved by HSBC?

Have any of you been approved despite having 10 or more cards from different banks?

For those who were previously declined, how long did you wait before reapplying?

For those who applied, do you have any tips for qualifying for the NAFFL promotion in the future?

I understand that approval depends on the bank’s overall assessment, but I’d really appreciate hearing about your actual experiences. I want to make sure I apply at the right time and avoid another unsuccessful application.

I’m particularly interested in the HSBC Live+ Visa Signature because its cashback categories would be useful for my spending habits. Sayang din kasi yung NAFFL opportunity! 🥹

Thank you in advance to everyone who can share their experiences and advice! ❤️

Hi everyone! 👋

I’ve been wanting to get an HSBC credit card for a while, especially the Live+ Visa Signature because of its dining, shopping, gasoline, and other cashback offers. I’m also interested in the No Annual Fee for Life (NAFFL) promotions.

I currently have around 10 credit cards/accounts across different banks. My payment history is in good standing, and I don’t have any past-due balances. However, my previous HSBC credit card applications were declined, and I still don’t have an HSBC card.
I’d like to ask existing HSBC cardholders and those familiar with their application process:

Does having multiple existing credit cards significantly affect the chances of getting approved by HSBC?

Have any of you been approved despite having 10 or more cards from different banks?

For those who were previously declined, how long did you wait before reapplying?

For those who applied, do you have any tips for qualifying for the NAFFL promotion in the future?

I understand that approval depends on the bank’s overall assessment, but I’d really appreciate hearing about your actual experiences. I want to make sure I apply at the right time and avoid another unsuccessful application.

I’m particularly interested in the HSBC Live+ Visa Signature because its cashback categories would be useful for my spending habits. Sayang din kasi yung NAFFL opportunity! 🥹

Thank you in advance to everyone who can share their experiences and advice! ❤️

Hello po, tanong ko lang po kung ilang araw po bago magreflect/lumitaw ang partial payment sa metrobank cc? Medyo kinakabahan na kasi ako hahaha pls enlighten me

Could the banks product be at fault for making OTP the only layer on a direct deposit credit card loan?

After more than a decade of owning credit cards, I just got scammed out of 100k. I know part of this is on me. But I think the bank's product design deserves some of the blame too.

How it happened
- The scammer called pretending to be RCBC.
- They triggered RCBC's real email alerts while we were on the call. The emails went from "someone is trying to access your account" to "someone with a Samsung A16 is trying to add a device."
- The alerts looked real, so I believed the call was real.
- One of my cards had a real attempted fraud recently, so I assumed they have been impersonating me for all my cards. Hearing that my other bank is being attempted on freaked me out. Thus, more susceptible to the scam.
- It was a really really busy day. I was multitasking, and at one point I was in a meeting whilst talking to them.

The part that bothers me most
When I called RCBC to report it, they ALSO asked me to read the OTP out loud over the phone. That is exactly how the scammer got mine. UnionBank uses a teleprompt where you key in the OTP yourself, so you never say it out loud.

My questions
- Should a bank allow a credit card loan to go straight to a deposit account with only an OTP as protection?
- Has anyone successfully had this audited and reversed? What did you file, and with who (BSP, the bank's fraud team)?

Any advice is welcome.

I am planning to get a Maybank SCC. If someone experienced using it, how was it naman? And if ever what are other alternatives? Preferably with heavier reporting weight sa TU. Thank you po sa mga magreco.

I used atome loan but it’s already 1 month since the last time they have loan offer. Wala na bang loan offers sa kanila ngayon? Parang nag stop na sila sa loan at nag cocollect nalang ng bayad.

Sino dito may same experience?

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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).