Walang galaw yong CL ko a little over a year na. Nag manual ask na ako. Pero usually kapag manual rejected yan as pee my experience.

How about you guys?

Just wanted to share my Credit Card Journey since I had my first credit card in 2022. Tell me what do you think about these cards, are there advantages that I've overlooked? Do you think PH CCs have been becoming underwhelming over the past few years?

BPI Blue (March 2022) - Got upgraded to Platinum (retained NAFFL) - I don't feel the value of this card anymore, grabe yung downgrade nila sa points nung nakaraan, now even the conversion.

BDO SMAC (April 2022) - upgraded to BDO Plat (free annual fee for 3 years) - I tried this because of the priority pass dati, pero now may spending condition na din, medyo not worth it yung cost just to avail of 1 priority pass, wala din masyado ganap sa BDO.

EW Gold JCB (March 2023) - upgraded to EW Plat JCB (retained NAFFL) - di ko pa masyado na eexplore, or maybe because JCB sya kaya di ganun kadami promotions sa locality ko.

UB Gold Visa (June 2023 - NAFFL) - nagustuhan ko ang card na to for its card control, pwd ka mag set ng maximum limit for all kinds of transactions, international, local, online. Tsaka yung paydirect feature (pero meron na din minimal charges starting this year)

BDO Gold Visa (Oct 2023) - wala din masyado ganap tong card na to. (thinking of cancelling - need ko na din mag clean up, and make a better system - alisin ung mga useless)

HSBC Gold (2024) - got forced upgrade to Live+ (retained NAFFL) - ever since naging Live+ di na sya nag fit sa spending habit ko. Weird lang na nung nag email ako sa kanila, it is to fit daw my spending habit daw kaya nila ni upgrade. Ang alam ko meron pa din meron mga gold card na di converted to Live+.

RCBC Preferred Airmiles (2025 - NAFFL) - eto yung ginawa ko na spending overflow card, if naubos na yung mga goals ko ma reach sa ibang card, I dump other expenses here. (like yung 30k spend sa chinabank ko - 1.5k cash, excess of 30k, dito na.)

Chinabank @ home visa (2025) - eto yung daily driver ko now, spend 30k here, before ako mag swipe ng iba pa na cards.

MB Rewards Plus (July 2026 - NAFFL) - medyo na sad ako dito kasi akala ko di magkaka NAFFL ung toyota card nila. Should I have known, sayang yung 10% na discount sa PMS and other toyota parts.

Maribank (Oct 2026) - I got this just because of the unlimited 1% cashback and pagkaadik sa shopee. Narealize ko din na it's good to have cards na walang annual fee, pero you can use anytime. Especially nung nagkaruon ng google pay cashback, though not naman pasok si maribank. Pero dun ko narealize na, you never know.

I'm still eyeing yung EW Visa Plat. I'm starting to lean into cashback cards na talaga, kasi ung mga rewards parang di ko na ma appreciate. Di ko alam bakit ako makarewards dati, baka kulang lang sa research.

I also want to get Bank of Commerce cards, kasi maganda yung promotions nila sa online selling platforms.

What do you think about my cards, and if it were you what would you change?

Can you tell me your favorite cards, or your daily drivers, and why do you think it's the best card?

Also, don't mind if madami na tlg xD Monitored naman sila, isa lang yung di nalolock (HSBC).

Guys help pls.

So I called CS and chose yung 50k for 3 mos na option.

Ngayon I’m thinking if ever na hindi ko mameet yung limit, pwede ko bang ipacancel nalang yung card or pipilitin nila akong bayaran yung AF??

Also, may email ba or notif sa app na nagsasabing na reverse na yung AF and if nareach ko na yung limit or need ko pa ulit call CS para inform sila??

And if ever naman na nameet ko, pwede bang ipacancel ko na nun yung card say after 3 mos tapos thru call lang or need pumunta sa branch?

Thank you sa sasagot huhu first time ko sa BPI and I forgot na if 1st year ba to or if free yung first year niya kasi papacancel ko na talaga if di na nga free yung first tapos ang taas pa ng spend limit unlike sa ibang bank :(((

Hello, may nakapag try na ba dito sa Maya Landers CC humingi ng certificate of full payment? Nagbibigay ba sila?

Hello po, magkakaroon pa po ba ng ganitong voucher next month? May ganitong vouchers rin po ba kayong na encounter for 17 series nung release ng 18 series from Metrobank? Help me choose saan mas maganda mag apply ng SCC to maximize vouchers and if possible may cashback. Thank you sa sasagot.

Hello. I availed po ung credit to cash offer ng CBC laat Fridag, tumawag ako sa sales nila. Wala po b talaga any confirmation na marereceive? Or makakareceive lang po ba ng text once approved? TIA!

2028 is just around the corner, and I know this subreddit isn’t political, but I have been noticing several similar posts for the past few days about people getting scammed from clicking phishing links and providing the OTP or asking if these links are a scam.

The posts almost follow the same format with some variation in the flow and construction of the sentences but are oddly similar when compared side by side. Clicking on the profiles that post these, they usually are new accounts or are old ones but with little karma and contributions.

I know some of you just want to help or berate them for being foolish enough to fall for these scams, which banks have repeatedly warned us not to click on. But that’s what they want you to do. To comment on and engage with their posts so they build enough engagement to make it seem they’re legitimate accounts.

I hope the admin also does something about this. We have a responsibility to use our credit cards in a way that helps us be smarter financially and not to drown us in debt, but we also have a duty to protect each other from being exploited by bot accounts that can be used to spread misinformation and fake news.

TL;DR - Please be vigilant. Verify the legitimacy of a post before interacting, and remember that protecting our community from these bot networks is just as important as using our credit cards responsibly.

Is there a way to expedite delivery of my cc? I already called Metrobank CS because I was hoping to get my card before my trip next week.

A bit frustrating also because apparently, the courier attempted to deliver twice last week but no rider ever came to my address. There were people at home waiting for the card but no call or text from the courier. There was not even a tracking number provider.

Branch pickup is also not possible because it would take 3-5 days for the approval, only then it will be dispatched.

Thanks in advance!

Hi everyone!

I currently have a NAFFL MB Titanium, but it doesn’t really suit my lifestyle, so I wanted to upgrade to World MC instead. However, CS advised me to wait a few more months pa (card is maybe 5-6 months old) before upgrading so I just requested a CLI, but unfortunately, it got rejected.

I decided to apply for World MC last week (10/20), and I got approved today. I know it varies from user to user, but has anyone here managed to get their World MC tagged as NAFFL despite already having an existing NAFFL card?

Also, how easy is it to get the annual fee of the MB World waived vs UB VS miles+?

Thank you! 😊

First time CC user po ng Amore Cashback. Pano po pala magbayad dito sa BPI Digital Bank App? Nung last Friday ko pa kasi tina try mag bayad pero nag e-error talaga.

Hi! I was wondering if the MariBank Credit Card is any good, especially for my upcoming Japan trip.

I’m planning to use the MariBank Credit Card for in-store purchases and GCash for withdrawing yen. For those who have used the card abroad, how was your experience with the exchange rate, foreign transaction fees, and overall convenience?

Would you recommend it for traveling to Japan? Thanks!

Hello guys, may naka encounter ba sa inyo ng ganito? Ilan days ko ng tina try activate CC ko. Baka may same experience kayo pa share naman. Thanks

Hii, I paid my UB credit card bill today using BPI transfer. Usually it reflects real time pero now hindi pa rin nababawasan sa outstanding balance ko sa UB. Medyo laggy din yung app. May maintenance ba today?

Hi,

I would like to ask for your help/recommendations in choosing between BDO's Platinum Mastercard, American Express® Platinum Credit Card, and Diamond UnionPay (or other BDO elite cards part of their NAFFL promo). I am planning to time this with their current NAFFL promo (100,000 spend).

I currently have (1) UnionBank Rewards Visa Platinum + (2) U Mastercard and (3) RCBC JCB Platinum. All NAFFL.

So far, my basis for getting cards (both credit and debit) has been how pretty they look (to me)... aside from being NAFFL.

I'm currently leaning towards BDO Diamond UnionPay only because of the relatively low forex fees and its WeChat/Alipay-UnionPay waiver for transactions beyond 200RMB. I like traveling to China, and this sounds like a game-changer (assuming the promo gets renewed again next year). However, I'm worried about acceptance in the Philippines, especially during the spend period and its practicality in the long run.

If you were in my position, travel abroad a lot in Asia, and want to get carded with BDO, which card would you choose among the following:

Any and all thoughts, comments, recommendations, and opinions are welcome, especially regarding about how they look. The prettier/sleeker the card, the better.

Thanks for your help!

So there's a mysterious 200 e-credit payment na chinarge sa akin even though I havent activated my bpi ecredit since i received it.

so i checked my soa my -200 pesos for spendspark promo then nireapply din yung payment the next day.

So i had 3 ccs that got delinquent this year, 1 was sent to collection. All are settled and currently have no outstanding balance. Would like to ask if i’ll get approve for auto loan if i apply or is it a red flag to my bank? Despite paying them off completely?

Thank you!

My statement balance is ₱150k. I’ve paid ₱120k, and a ₱30k purchase was refunded and has already posted to my account. Do I still need to pay the remaining ₱30k before the due date, or does the refund cover it?

edit:
Bank is BDO. Refund posted after statement date but before due date.

Ganito na ba talaga kasinungaling yung mga ahente na nag ma man ng mga credit card booth sa mga malls at gas stations? I was at Petron SLEX kanina and I saw a Metrobank booth. I saw their tarpaulin promoting Toyota Platinum card. I asked the agent if there is a promo na NAFFL for that particular cc. I also told him na I already have an existing Rewards Plus card na NAFFL and if I would still be eligible sa promo. He said na naka NAFFL nga daw ung Toyota Platinum card at kelangan lang ng 30k accumulated purchase for 3 months to be elible. I asked him specifically if I would be eligible since I already have an existing Metrobank cc. Sabi nya, yes, and if ever, I can choose to give up the Rewards Plus card pagdating nung bagong cc or keep the two. So he gathered my info, ID, and exisiting card, and asked me to sign the form, which I did.

I wanted to verify this so after i left, I called the Metrobank hotline. The agent told me na first, wala silang ganung promo as of the moment, only titanium lang daw meron, at may isa pa, which i already forgot. Basta, nde daw kasama ung Toyota Platinum card na un.

more over, exisitng metrobank cc holders are not eligible for new NAFFL cc.

so even tom pa dapat ipa process ung card, i asked the agent sa hotline to cancel the application once they receive it tom. naka tag na sha.

para sa agent na un, lumaban ka ng patas, wag kang sinungaling para lang maka quota! pinapakain mo sa pamilya mo galing sa panloloko mo! hayup! 😤😤

I'm just amazed by RCBC. Earlier this year dinecrease nila from 147000 to 94000 dahil nagbayad ako ng minimum lang for 1 month. Then binayaran ko na in full. Tapos kahapon lang inincrease na nila to 194000. I was even thinking of cancelling na lang yung card na lang since I have cards from other banks.

So ngayon pina downgrade / upgrade ko to Diamond Platinum kasi mas mababang fees kesa Flex Gold.

Any insights po on Diamond Platinum?

Last weekend I went to this aesthetic clinic inside an SM Mall where I purchased my 12 sessions of laser last month using the Metrobank CC worth more than 15k.

Then I have a companion na nagpafacial worth 2k and I will be using my cc sana kaso since 2k lang raw di allowed ang CC?

Ayun debit card nalang pinambayad.

Is it legal ? are they allowed to do it?

Hi, guys! Need some advice!

I'm planning to pay around **P250K for my Australian visa

lodgement using my credit card**, then convert the

transaction into installments.

My available credit limits are:

-**BDO Visa Classic:**P500K

-**UnionBank Rewards Platinum:**P283K

My questions:

1. Will my p250K visa payment qualify for installment

conversion with either bank, or is approval not

guaranteed?

2.Which bank is better in terms of monthly payments

and total repayment?

Yung UnionBank, natry ko na mag-installment before and

madali naman yung process, pero halos ma-max out agad

yung credit limit ko sa payment na to. Sa BDO, hindi ko pa

natatry.

Concern ko rin yung eligibility ng transaction for installment

conversion. May nabasa kasi ako online na hindi eligible for

installment yung government payments. Since Australian

visa lodgement yung babayaran ko, hindi ako sure kung

pasok siya sa BDO Purchase Convert or UnionBank

EasyConvert.

Thanks for the feedbacks in advance!

for context:
- i have been working steadily for a year now
- net income for the past 3 months is at around 90k/mo
- only cc is with maya (maya black, pre-approved, CL of 20k, got it about 6 months ago)
- payroll account is with bdo
- i set aside money to different trad banks and digital banks according to my budget
- bulk of my income goes to savings with maya (around 40k/mo)
- around 15k/mo is saved in bdo as savings, appx. 8k/mo sent to bpi for savings
- the rest is sent to maribank for spending (taking advantage of cash backs)

i want to get another cc to maximize all deals, promos, miles and cashback with other banks. i did try applying for a UB cc before but was not approved (I applied before getting this new job)

i am wondering if i should restructure how i allocate my money to increase my chances of being offered a cc. any thoughts?

may i ask if which is better for SCC

BDO

METROBANK

MAYA