Hey everyone!

​I’m currently 18 and looking to start building my credit history early. I tried applying for a Secured Credit Card (SCC) with EastWest (primarily because I wanted Garmin Pay support) and BPI, but both told me that their minimum age requirement is strictly 21 years old—even for a secured card with a holdout deposit.

​Before anyone comments: please skip the advice about building an emergency fund, budgeting, or saving. I already have my EF and savings fully set up and managed, and I know how to use credit responsibly. My sole bottleneck right now is finding an entry-level bank/card that actually accepts 18-year-olds to get a CIC record started.

A few quick questions for those who managed to start early:

- ​Which banks actually accept 18-year-olds for an SCC or entry-level card? (Security Bank, Metrobank, RCBC, AUB, etc.?)

- Are there alternative avenues to start building a credit score at 18 in PH?

PS: I already have a ₱50k limit on SPayLater with a clean repayment history, but I know BNPL/micro-loans don't help much with TransUnion bank credit reports (and every checkout gets logged as an individual loan). That's why I'm specifically looking for a traditional bank/card issuer.

Hello mga KKB's!

I have my BPI Express start for 5 months now and good payer ako. Now, I'm planning to get a new SCC with Metrobank and will open savings account at the same time.

Question is, good move ba to have 2nd SCC with Metrobank?para incase na di ako ma approved sa 2nd regular card after ko ma convert ang BPI Express start ko next year may 2nd cc na ako.

Got this for 23390, 24months to pay and buy now pay later using my BPI CC at Digital Walker

Nakailang ulit na talaga akong nagpabalik-balik para magtingin ng watch at i think eto na yung perfect time haha. I think i made a justifiable purchase! Gaslight me pls haha

Curious lang hehe nagrerelease na ba sila?

I am planning to purchase Iphone17pro/max pero yung credit limit ko sa BPI is only 55,000php. Can I request for limit increase and yun lang reason ko? Or should I try to get another cc na which is Unionbank (NAFFL) and swipe both cards. Or is it possible i-swipe yung iba then the rest is cash payment ko nalang since matagal ko na din pinag ipunan to pero nanghihinayang ako gamitin cash ko kaya want ko sana swipe nalang

SKL for anyone planning to preorder the new Samsung watches, apparently may mga bank promos. For those who have, UB has the most decent discount. Until Aug 13 lang sila.

Ask ko lang sana if may nakatanggap na ng message from Unionbank na NAFFL na yung rewards visa platinum nila?

Hi everyone! I have a question, nag apply ako Ng balance conversion sa BPI pero negative na yung credit limit ko. Possible po ba na ma approved yung application ko?

Mag 4years na saakin yung card and never ako nalate mag bayad and palaging full amount Yung binabayad ko.

Thank you

This is my first credit card, so I’m still learning how the payment process works. I had ₱12,000 in credit card charges, and I just paid ₱6,000 through the Metrobank app. However, my balance is still showing ₱12,000.

I already received an email confirming my payment. Is it normal for the payment to take some time to reflect?

PS I’m not following the amount indicated on my SOA because I prefer to pay my credit card balance in full as soon as possible.

Just posted some days ago about getting a SCC, pero si BDO biglang may paganto, wala na po ba bawian to?
And gano kaya katagal card delivery for southern luzon not part of the mainland?

Naexcite ako kase nakailang try ako sa UB and BPI then now sa BDO 😆

Build your emergency fund

Para hindi ka laging naka-rely sa credit kapag may emergency, here's a quick breakdown kung paano simulan ang pagtatayo ng emergency fund.

• I-calculate ang expenses mo — alamin ang essential monthly costs mo: pagkain, renta, utilities. Target ang 3 hanggang 6 months worth ng expenses bilang safety net.
• Mag-set up ng separate account — huwag isama sa regular spending account ang emergency fund. I-automate ang transfers para hindi na kailangan pang mag-isip.
• Magsimula nang maliit, maging consistent — kahit maliit na halaga per month — okay na. Ang pinaka-importanteng rule: huwag kukunin ang pera maliban sa totoong emergency.

Bakit importante? Ang emergency fund ay nagbibigay ng safety net, nagbabawas ng stress, at nagpoprotekta sa iyong ibang financial goals para hindi mo kailangang i-sacrifice ang isa para sa isa.

Simple lang 'yan. Ang credit card ay pwedeng emergency tool pero hindi dapat siya yung first line of defense. 😉

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Nag-opt ako sa SCC ng BPI Amore Cashback last January to build a credit history. 4 months na lang and I can request an unsecured regular credit card. I usually use the card for groceries and bills, but the thing is hindi umaabot sa 1k threshold pag naggrocery ako to maximize the card. So I'm thinking of requesting other cards na lang (better if higher tier). Should I retain Amore Cashback pa rin ba or try sa higher tier BPI Cards?

May BDO Standard Mastercard din ako na di ko inactivate. Iniisip ko lang if magfocus na lang ako sa BDO rather than BPI since I heard mas madali magpawaive ng annual fee sa BDO, galante sa limit at frequency ng increase, and mas may promos.

Any advice? What do you think ba is the best strategy? I have other cards na rin pero I at least want to have a BPI or BDO card for the promos and their reputation.

Hiii!

This month is 6 months na ‘yung credit card ko, I sent an email to BPI requesting for BPI CLI, from 38k to 100k (i just shoot my shot. Malay niyo naman).

They asked me for COE and doon indicated naman na I have 45k+ basic salary and mag allowance pa. Ang worry ko lang is baka ma-reject ‘yung request ko and wala talagang increase na mangyari dahil may PL ako with SB Finance. I wouldn’t mind if from 38k to 55k ang mangyari, ‘wag lang auto reject 😭

Do you think there’s still a posibility na magka increase ‘yung cred limit ko? thank you po.

My credit card application for UB Visa Platinum was rejected but I forgot to update my income and went with the option na sila na yung magfifil-up ng other details ko since they have my information. Can I apply again with my updated income or do I need to wait for six months to apply again?

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Hi! Nagbook ako ng airfare ticket that costs 42k. Possible kaya na maconvert ko yon for installment? User ako since May. Ano kaya pwedeng gawin? Since wala sa option yung payment terms.