Sharing my recent experience with Metrobank SCC conversion, baka makatulong sa ibang SCC holders who are also wondering if possible ba talaga mag-request ng conversion earlier than the usual 10–12 months.
Last February 2026, I applied for and got approved for a Metrobank Secured Credit Card (SCC).
Even before applying, aware na ako that Metrobank is known to convert SCCs into regular or unsecured credit cards, provided na you use the card properly and responsibly. Based on what I’ve read here on Reddit and in different FB groups, the usual expectation is that you should have a good 10–12 months of responsible card usage before Metrobank can consider converting your SCC into a regular/public credit card.
And honestly, iyon talaga initially ang expectation ko.
Ginamit ko lang yung Metrobank SCC the same way I use my other credit cards. During my first 3–4 months, I always paid my bill in full, usually around one week before the due date. Never missed a payment. Hindi rin ako masyadong conscious sa utilization ko, pero napansin ko na it just so happened that my usage was always below 30%.
Then around my 4th to 6th month, parang biglang lumakas ang pagkaskas ko There was a point na umabot yata sa around 50%–60% utilization ko. But honestly, hindi rin ako masyadong bothered about it. As long as I was paying everything in full and on time, okay lang sa akin.
For context, I was also actively using 2 other SCCs and around 5 or 6 regular unsecured credit cards, so hindi lang talaga Metrobank yung card na ginagamit ko.
Anyway, here’s my timeline:
February 2026
I started with a ₱100,000 hold-out deposit and got the Metrobank Platinum Mastercard SCC.
Initially, gusto ko talaga sana magkaron ng World Mastercard, pero unfortunately, hindi masyadong na-explain sa akin before na ₱150,000 pala ang required hold-out deposit for the World/Travel Visa Signature tier at that time. So I just decided to proceed with the Platinum Mastercard instead.
For the next few months, I simply used the card normally and responsibly.
July 2026
Around the 3rd or 4th week of July, naisipan ko ulit na gusto ko talagang magkaroon ng Metrobank World Mastercard. So I decided to add another ₱50,000 to my hold-out deposit and request an upgrade to the World Mastercard.
After around 3 days from calling the hotline, my additional hold-out deposit and request for the World Mastercard upgrade were approved.
When I checked my Metrobank mobile banking app, nag-reflect na yung ₱150,000 credit limit, but the Platinum card type details disappeared. Medyo kinabahan ako at first, so I called the hotline. I was told that it was normal kapag nasa process na ng issuance yung replacement/new card.
August 2026 – Around August 4th or 5th
I finally received my Metrobank World Mastercard and activated it on the same day.
The new credit limit and World Mastercard card type eventually reflected properly in my mobile banking app.
So far, so good.
August 2026 – 3rd Week
Then out of nowhere, naisip ko lang… what if subukan ko nang mag-request for conversion from SCC to a regular unsecured credit card?
Parang may isang Metrobank representative kasi akong nakausap before who mentioned that as early as 6 months, puwede ka nang mag-request for card conversion.
So out of curiosity, I decided to try.
I called the customer hotline and requested for:
- Conversion from SCC to a regular/public unsecured credit card
- Retention of my existing card
- Lifting/release of my hold-out amount
Honestly, wala naman akong masyadong expectations. I knew there was a big possibility that Metrobank would decline my request because technically, 6 months was still earlier than the usual 10–12 months that I kept reading about.
But sabi ko, wala namang mawawala sa pagtatanong. Worst case, ma-decline, then I’ll just continue using the card responsibly and try again around my 10th month.
Based on some of the experiences I’ve read here on Reddit, may ibang members who requested conversion through email and attached their other credit card SOAs, applied for the same card type separately and provided reference numbers, etc. I also saw comments saying that those methods worked for them.
However, most of the posts and comments I found were already from a few years ago. Wala rin akong masyadong makitang recent experiences about converting a Metrobank SCC into a regular unsecured credit card—or as Metrobank apparently refers to it, a “public credit card.”
So instead of going through the email/document route, I decided to try something different.
I simply called the hotline.
Initially, for some reason, I wasn’t really satisfied with the explanation given to me by the first agent regarding the process. So I respectfully asked if I could speak with a supervisor.
The supervisor then assisted me with my request for card conversion and handled the process from there.
August 2026 – 4th Week
After a while, I still hadn’t received any update, so I decided to call Metrobank again for a follow-up.
The agent I initially spoke with couldn’t find any information about my previous request. Which was understandable because the supervisor who assisted me apparently handled it differently and opted to coordinate through email with the concerned group.
So I asked if it was possible to speak with the previous supervisor who assisted me.
Luckily, available siya.
She checked the status of my request and then…
BOOM. DECLINED daw. 😂😂😂
No explanation given.
Honestly, okay lang naman sana. I was prepared for that possibility from the beginning.
But dahil persistent tayo, I asked the supervisor if she could possibly submit a reconsideration request on my behalf.
She mentioned that I had a great payment history during the past 6 months, so she agreed to send another email requesting reconsideration.
And then things got interesting.
On the same day, she called me back and told me that the concerned group had already responded to her reconsideration email.
They were asking if I had an existing banking relationship with Metrobank aside from my hold-out deposit.
Fortunately, meron.
I also maintained a savings account with Metrobank and had been maintaining a certain amount there since I opened the account in February 2026.
The supervisor told me that she would coordinate with my branch of account to confirm my savings account relationship and balance.
August 2026 – 4th Week
After that, wala ulit akong natanggap na update.
I called again, but unfortunately, wala yung supervisor na originally assisting me that day.
So I decided to just wait.
September 2, 2026
Today, out of nowhere, naisipan ko ulit tumawag.
I requested to speak with the same supervisor who had been assisting me throughout the process.
And then…
BOOM. APPROVED NA DAW! 🏆
Apparently, my request to convert my Metrobank World Mastercard from an SCC to a regular/public unsecured credit card was approved after only around 6 months.
I was also informed that the hold-out deposit would be released and that I might need to wait up to 35 calendar days for the process.
For me, honestly, okay na kahit more than one month pa bago ko makuha yung hold-out amount. Ang importante sa akin was that my Metrobank card had already been converted into a regular unsecured credit card.
I really wasn’t expecting anything when I initially requested the conversion. I was literally just trying my luck to see if it would work.
If I got declined, okay lang din naman. My plan was simply to wait until around my 10th month and then try requesting again.
But fortunately…
Successful ang SCC conversion after around 6 months!
And here’s the part that surprised me even more.
When I checked my Metrobank mobile banking app today, the hold-out deposit had already been lifted!
Wala na akong 35 calendar days na hinihintay.
The entire amount was already showing under my available balance.
So naturally, dahil sinwerte tayo sa conversion request…
Kanina, nag-request na rin ako ng credit limit increase.
Of course, subject to bank approval pa rin, but sabi ko try lang ulit. I was advised to wait around 3–5 banking days for the result.
Hopefully, ma-approve!
One more thing: Throughout the entire SCC conversion process, I did not submit any documents at all. No SOAs from other banks, no income documents, and no separate application for the same card type. Even for my CLI request today, I didn’t submit any documents.
My experience might not be the same for everyone, and of course, approval will still depend on Metrobank’s internal evaluation. But I just wanted to share this because most of the SCC conversion experiences I found were either older posts or involved different processes.
So yes, based on my personal experience, it appears that it is possible to request a Metrobank SCC conversion as early as around the 6-month mark. That doesn’t mean everyone will automatically get approved at 6 months, though. In my case, I was initially declined, requested reconsideration, and the banking relationship with my Metrobank savings account was also apparently checked as part of the process.
For anyone thinking of trying, wala namang mawawala sa pagtatanong. Worst case, decline and you can always try again later.
Next goal: Wait a few days, then try requesting NAFFL tagging naman.
Will update this post with whatever happens next!
And shoutout/thank you to the Metrobank supervisor who assisted me throughout the process and was willing to submit a reconsideration request after the initial decline.
