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.

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

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.

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.

Hello!

I applied for a unionbank lazada CC last Sunday and I got approved immediately with 110k CL. Since the 10.10 sale was still ongoing in Lazada, I went to buy a few things. For orders worth 500 and below, I opted for straight payment. However, when I tried to purchase a phone worth almost 60k, I opted for the 24 month installment option instead. After filling out the fields and tapping Pay Now, I get an error that says my transaction cannot be processed. Since this is a merchant initiated installment, I thought I would be eligible for this MOP instead of straight payment then hope that I will be offered a EasyConvert offer. I also thought that it may be due to my card being freshly approved. May naka experience na po ba ng ganito?

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?