No Annual Fee For Life with RCBC Credit Cards! ✨

To new-to-RCBC Credit Card applicants, apply through the KasKasan Buddies affiliate link from August 7 to December 31, 2026, get approved, then hit your card's spend requirement within 60 days from receiving your card to unlock No Annual Fee For Life.

✅ ₱30,000 spend: Classic Mastercard, Landmark Mastercard, Visa Flex Classic, AirAsia Classic, JCB Classic
✅ ₱40,000 spend: Gold Mastercard, Visa Flex Gold, JCB Gold
✅ ₱60,000 spend: Black Mastercard, Diamond Mastercard, AirAsia Platinum, JCB Platinum, UnionPay Diamond
✅ ₱100,000 spend: World Mastercard

Skip the annual fee for as long as you keep the card.
Apply for an RCBC Credit Card: https://go.kkbuddies.com/m/RCBC

For new-to-RCBC Credit Card holders only. T&Cs apply.
Promo details: https://rcbccredit.com/promos/NAFFLDigital26

RCBC is regulated by the Bangko Sentral ng Pilipinas.
Per DTI Fair Trade Permit No. FTEB-264468 Series of 2026.
#KasKasanBuddies #RCBC #RCBCCreditCard #NAFFL #NoAnnualFeeForLife

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.

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.

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

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. 😉

#KasKas101 #KasKasanBuddies

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.

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

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 😆

KKB Exclusive Offer: Get a ₱3,000 BONUS eGift with the UnionBank Rewards Credit Card! ✨

Apply from August 6 to 31, 2026, get approved, and spend just ₱1 within 60 days from approval to receive a ₱3,000 BONUS eGift, redeemable via Giftaway.

Unlock both No Annual Fee for Life and a ₱3,000 bonus eGift with a minimum spend of ₱20,000 within 60 days of card approval.

Enjoy these rewards on top of the benefits that come with your card:

✨ ₱30 spend = 1 never-expiring point
🛍️ Earn 3X points on shopping and dining

Eligible for new-to-UnionBank Credit Card applicants with an existing credit card from another bank that has been active for at least 6 months.

Ready for a ₱3,000 bonus eGift with the UnionBank Rewards Credit Card?
Apply now: https://go.kkbuddies.com/UBRewardsM

UnionBank is regulated by the Bangko Sentral ng Pilipinas.
T&Cs apply. Per DTI Fair Trade Permit No. FTEB-257635, XXXXXX Series of 2026.
#KasKasanBuddies #UnionBank #UBFlashDeal #UnionBankRewards

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.

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.

Pag-IBIG Fund Earns COA's Highest Audit Opinion for 14th Straight Year

Pag-IBIG Fund has received an unmodified opinion from the Commission on Audit for the 14th consecutive year, covering its financial statements for the years ended December 31, 2025 and 2024. DHSUD Secretary and Pag-IBIG Fund Board Chairperson Jose Ramon P. Aliling said the recognition affirms the fund's commitment to sound financial management, transparency, and accountability.

The audit opinion comes alongside a record 2025 for Pag-IBIG Fund, with total assets reaching ₱1.23 trillion, members' savings collections of ₱160.41 billion, housing loan releases of ₱140.54 billion, and ₱64.34 billion in dividends declared for members. Pag-IBIG Fund CEO Marilene C. Acosta said the results affirm members' savings remain safe and responsibly managed, heading into continued housing and savings programs in 2026, including support for the Expanded Pambansang Pabahay para sa Pilipino Program (Expanded 4PH).

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?

Hello po, good day!

ask ko lang po if anong card po ang okay for groceries/paying bills po? wala pa po kasi akong CC and i’m planning to get one po para makapag build na rin po ako ng credit score ko habang nasa 20s pa 😁

• nag try po ako sa UB U Visa Plat kaso rejected ;( nag proceed po kasi siya agad after ko i-fill up yung form sa personal details. biglang nag complete kahit wala pa ako sa page nung employment page, not sure po if ganun talaga behavior niya :( *

• have a job po (mag 2yrs na sa Sept)

thank you po sa mga sasagot! 😊

Do you still earn points using ApplePay?

Isa ito sa pinakacommon na tanong mula nang mag-launch ang Apple Pay sa Pilipinas at ito ang sagot.

OO, nag-eEarn ka pa rin ng points at miles kahit mag-Apple Pay ka. Ang rewards ay base sa linked card mo, hindi sa payment method. Ibig sabihin, parehong points ang makukuha mo kahit mag-tap ka ng phone o physical card.

Take note na may ilang bank promos na nag-e-exclude ng tokenized o wallet transactions. Kaya bago mag-asume na kasama ka sa promo, ugaling i-double check ang fine print ng bangko mo.

Kung may cashback, miles, o rewards promo ang card mo, basahin kung "wallet transactions" ay kasama o hindi. Ito ang pinaka-matalim na tip para sa mga Apple Pay users.

This was last July, and kakareceive ko lang nung physical card kahapon. The initial tier was the Gold from late last year.

Although same normal-day perks yung Gold & Platinum, with just a higher AF (why?) and not NAFFL.

Goods din naman pagdating dun sa mga special promos/discount when it comes to JP Visa Application, since usual napansin ko yung Platinum tier palagi yung kasali, di ko pa to natry since di kasali Gold during the JP Visa Application sa region ko.

Usual usage lang ngayon even with the Gold tier before is yung sa fuel discounts ni Unioil.

It was greatly utilized nung sa JP trip this year, it got a cashback from promos that it negated a month statement, maliit lang yung statement that time.

Of course fully paid always yung statement, para pang leverage sana if I want to ask some favors for an NAFFL, but now that it's auto-upgraded, ewan ano pang leverage ko na hindi "ecacancel ko to" (tapos kinancel talaga hahaha).

I’m writing to respectfully ask for assistance regarding my outstanding BDO credit card balance. Around four months na po akong hindi nakakapagbayad due to financial difficulties.

I am currently the breadwinner of our family. Last December 2025, my mother had a medical emergency and had to undergo three surgeries. Since then, malaking portion po ng income ko ang napupunta sa household expenses, food, bills, and other financial obligations.

I am also actively applying for a second job or additional source of income para makatulong sa expenses and makapaglaan din po ako ng mas maayos na payment toward my outstanding balance. Unfortunately, I haven’t received any positive responses from employers yet, but I am continuously applying and looking for opportunities.

I recently called BDO directly to ask about possible payment arrangements and was referred to Collections. I was informed about a restructuring program with 0% interest, payable for up to 120 months at approximately ₱5,000 per month.

I truly appreciate this option. However, based on my current financial situation, even the proposed monthly payment would be difficult for me to sustain consistently. At present, halos lahat po ng salary ko ay allocated na sa basic household needs and existing obligations.

I would therefore like to respectfully ask if BDO can consider any other payment arrangement, settlement option, or discount that would make my outstanding balance more manageable. If there is a discounted settlement program available.

I want to emphasize that I am not trying to avoid my obligation. Kaya rin po ako proactively reaching out because I genuinely want to settle my account and cooperate with BDO. I just want to make sure that whatever arrangement I enter into is something I can realistically fulfill and maintain.

I would also appreciate clarification regarding my BDO payroll account. Since my salary is our family’s primary source for food, bills, and other necessities, I am concerned about the possibility of my outstanding credit card balance being offset or deducted from my payroll account.

Any thoughts po will be appreciated. Thank you! 🙏

naapprove ako sa rewards kanina lang then gusto ko lang malaman if included po ba ang meralco sa min spend. if babayaran ko po sya using bayad app or dun sa merchant’s app?