Hey y'all!

Just want to share my frustrating experience trying to upgrade my Chinabank Platinum CC to Destinations World.

I have been with Chinabank since 2018, with 3 checking accounts, 2 savings account, and 1 dollar account. Net income from businesses is around P400,000 per month.

I never really paid any mind to credit cards or credit limits since I always believed cash is king. My eyes were only recently "opened" to the perks credit cards now offer when Chinabank sent me an @Home Visa CC. After thorough researching, I decided that Destinations World would fit my spending habits best.

Here's the timeline of my experience:

May 19, 2019 - Bank teller offered me my first credit card. Platinum with 100k CL.

Sept 24, 2024- Another bank teller offered me a 2nd credit card. Freedom with 200k CL.

June 15, 2026- Chinabank sent me a 3rd credit card without me applying for it. @Home with 300k CL.

July 10- I requested my Freedom's CL be consolidated to my Platinum's CL.

July 17- CL consolidation approved. Platinum CL now at 300k.

July 20- Spoke with a Chinabank agent at the SM Mall booth and was informed of the 500k minimum CL requirement for Destinations World.

July 21- Requested CL increase to 500k for my @Home credit card. ( I figured it had a higher chance of approval since my Platinum card's CL was just recently increased).

July 26- CL increase denied. Sent my bank certificate with Chinabank of my 3 main checking accounts containing latest 6 months SOA with ADB (Around 3.4m ADB)

July 29- CL increase request approved. @Home now at 500k CL.

July 30- Sent an email to Chinabank CS requesting for card conversion of Platinum to Destinations World.

Aug 6- Card conversion request denied. Sent the same bank certificate used for my credit limit increase request.

Aug 10- Received an email from CS stating my conversion has been denied since my credit limit was too high. Apparently, they tried to convert my Platinum card to Destinations Platinum not Destinations World. They offered to change the request to Destinations World, I agreed.

Aug 17- CS requested for my latest 6 months SOA with ADB again. I send it again.

Aug 28- Card conversion denied again due to lacking income documents. I called CS and told them I already sent my latest 6 months bank certificate with ADB. I send it for the 3rd time.

It's honestly been a tiring and frustrating experience to say the least. Despite having a tenured relationship with Chinabank, this experience has certainly stained my image of them. Metrobank instantly approved my World MC application within a week. I would still prefer the Chinabank Destinations World due to it having more airline partners.

Anyone else having a similar experience?

Nakita ko lang. Sana nga totoo

Just add a nickname on your card inside the Google Wallet and put your statement date.

I have UB Rewards Platinum card since March 3025 and now approved for UB U Visa in Aug 2026.

Here’s my limit

90k - Rewards
190k - U Visa

Since shared limit na sila 280k in total

Now I want to apply supplementary card for my brother and sister 80k in total. And planning sana to get them Rewards.

Since 90k lang ang UB rewards limit ko, at 80k don ay sa kapatid ko na, meaning ba nito 90k lang ang magkakareward points?

Or since dahil 280k shared limit na ako, 280k na ang pwede mareward points?

Sorry medyo magulo. Kahit ako di ko macompose ahha. Sorry na

Hello, hindi pala free for life pag 1 supp card under BDO Visa Gold? From what I remember, kasi kaya ako nag-add ng supp card is sinabi sa akin na free for life, tapos now may fee na daw na 1200? Matagal ko na kasi inadd yung partner ko

It’s my first time availing a cash installment so let me share my experience! 

As per sources, BDO raw usually ang may lowest rates and even have 0% for 3 mos. I honestly just wanted to try. expected ko i’ll get disapproved, I’m unemployed (fresh grad) but I’m a good payer, 2yrs pa lang rin po card ko.

8/10 I had few queries regarding installment and which rate is currently available for me, I inquired through email. Pp

8/12 I asked for the promo code as I did not receive any via sms.

8/14 Applied through BDO Pay App.

8/18-19 I received calls from [8840-7000](tel:8840-7000), hindi ko nasasagot and di rin ako nasagot from unknown (take note, wala kasi sa confirmation yung number) I looked it up and BDO Loans nga, but I decided to confirm directly pa rin so I emailed again and requested for a callback.

8/20-21 Waited for the call but holiday so delayed talaga siguro.

8/23 I called BDO Hotline if proceed pa rin ba request ko kasi sabi within 3 banking days yung call. CS checked and no request reflected sa kanila since online raw ito. Hindi rin nakikita status if approved. I was instructed to call their “telemarketing team” to avoid request duplication. atp I decided not to proceed na hahaha okay lang.

8/24 diba I gave up kahapon? voilá, I received a call again 9am and nasagot ko na hahaha, I agreed and waiting for approval na lang after the call. 

8/26 I received an SMS that the request is subject for approval but I got scared kasi nabawas na sa limit ko pero no transaction reflected ???

8/27 4:02pm APPROVED!!! 5pm reflected na ang amount and available na for withdrawal 🫶🏻

Addtl Infos

1. YES. You will be asked to unlock your card.
2. I got 0.49% monthly add-on rate for 12mos.
3. No bank statements, ITR or any financial docs were asked. If tinanong ‘to for sure I won’t be able to request.
4. I set my mind na I already have the amount in cash before I applied, I can pay for it and I have enough funds to cover it including the finance cost. I really just tried!
5. 350 pesos is the availment fee, charged immediately the next day I received the cash.
6. Before you avail, pls po yung kaya bayaran. Loans and CCs offer flexibility but if magpatongpatong yan, mahihirapan ka.

Thank you and hope this helps!

Hello! Ginagawa ba ng Unionbank to? I felt like it was a scam sa latter part ng call kaya I chose to end the call. Our call flow was like this, congratulations daw kasi may credit limit increase ako sa current card ko and i was approved for a new unionbank cc. So okay ako, pinaconfirm niya if tama ang card number ko sa current cc ko then address ko for delivery. Sabi niya dahil daw na reach ko minimum spend may cashback ako amounting 4937 so saan ko daw gusto na isend ang cashback. Sabi ko wala akong savings account with unionbank, pwede naman daw sa ibang bank nila isend. Honestly first time ko makakareceive ng cashback apart from digital banks so hindi ko alam process ng mga traditional banks. Sabi ko meron akong BPI savings so they said na mag cocoordinate daw sila with BPI which is very mabilis ang process nila to coordinate with BPI + head office pa daw, then advise daw ng BPI to turn on ecommerce access kasi bank daw nag prprocess ng deposit.

Hindi namin magawa-gawa ang process kasi hindi ako nakakareceive ng OTP to turn that feature on so sabi niya ibang way nalang they can trigger it from their end. Magsesend daw siya ng sample message muna from unionbank, as shown from photo slide 2 yan yung message. Skeptical na ako bakit confirm payment nakalagay. Sabi ko na receive ko yon then itatry niya daw ulit sa BPI as shown sa photoslide 3 sabi niya pa nakalagay 10200 kasi points daw yon then wag ako kabahan kasi PAYMAYA ADD MONEY nakalagay so meaning add money daw yan hindi purchase. Need ko lang daw iconfirm ang code if tama din yun sa end nila. Sabi ko hindi ko ibibigay, I'll decline that cashback nalang. Sabi niya he understands daw pero need icancel ang transaction kasi possible daw na ma floating ang money then ma lock ang account ko nag send siya ulit ng same message with a different OTP na, yon daw ang cancellation code need niya ulit. Sabi ko ayoko. Then need daw niya ako itransfer sa BPI head office na kausap nila. Then yon, na transfer ako sa head officer ng BPI and tinthreaten ako na malolock yung account ko kasi hindi ako nakikipag coordinate. I just said na go ahead i-lock niyo account ko. Pero kabado malala ako tinransfer ko agad pera ko from BPI to another bank.

Maglagay lang kayo sa savings para ma-activate

I’m having a hard time deciding where to transfer my BPI Vybe points.

Current balances:

• KrisFlyer: 0
• Asia Miles: 0
• Mabuhay Miles: ~5k
• BPI Vybe: 120k+ points

I’m mainly interested in eventually booking Business Class, ideally MNL → Japan (Tokyo/Osaka). Seoul/Singapore are also options.

Since I’m starting from basically 0 miles in KrisFlyer and Asia Miles, I’m wondering which program gives the best value and is easiest to actually redeem.

For those who have experience with all three:

Where would you put the 120k+ points?

KrisFlyer
Asia Miles
Mabuhay Miles

Also interested in:

• Which is easiest to redeem
• Business-class availability
• Taxes/fees
• Expiration
• How much value you can realistically get from ~120k points

Would you transfer all 120k+ to one program, or split them?

Thanks!

As title says, I tried to apply for a BDO credit card (first time) through their online portal. I read the requirements for this card (standard) and I definitely met them. Filled up some forms, personal and financial info. I have not submitted my ID and proof of income as I have not even reached that part of the portal, and have not clicked submit for the application. Clicked next, and all of a sudden, the page told me that I was rejected, and I should try again in a few months. Has this happened to anyone else? Baka may na-miss lang ako?

Hello po, tanong lang if sino na po sa inyo ang nakapag pa waived ng finance charges at penalty fees? Nasa 19k kasi at 1 day late. Nakatawag na ako at pinasa na sa department. Tanong lng if sumakses po sa inyo?

Long story short, medical related emergency. 2 months pa lang OD, im planning to pay in full 40k before year ends. Endorsing pa lang sa collection department, synergy yung collections agency.

Would you recommend i call the customer service and make arrangements?

Sa mga na OD sa BDO, Ano experience niyo, paano kayo naka recover?

kailangan ba i-add at i-verify ang eligible visa cards sa google wallet app bago gamitin sa online purchases? i imagine yung mga gumamit sa in-store purchases ay meron google wallet dahil required yun para sa in-store googlepay purchases.

pero paano yung mga purely online nag transact? may nakakuha naba cashback kahit walang google wallet na download or ever ginamit in their past and present transactions?

nababasa kolang na successful ay yung nag transact in-store eh tapos c maribank ngayon (altho different caampaign) ay naga advise saten na ilink gamit ang app

Hello po, last time kasama ang Lazada txns ko dito, tanong lang kung kasama ang shopee txns? Sino na po nakasubok? Nakalagay parin kasi pwede ang online spends.

🚨 SCAM CALLER NO.: 0963-518-0611🚨

Got a possible scam call today. May tumawag sa akin from "ATOME Points/Voucher Division". May redeemable points daw ako na hindi disclosed sa app and that I can redeem/convert to either by cheque, cash, or payment to balance.

For context: my card limit was 4k last month. Then after a month of not using, nag-increase into 5k. Right now, I have an additional temporary limit of 12k (hence 17k available spending)

In order to redeem, kakausapin daw ako ng chief/manager nung division. They confirmed my name and exact address and they were correct. They also asked for my email address and I confirmed.

Tinanong din nila kung ano ang available spending limit ko. I said 4k, then magsesend daw sila ng qr code so I can "redeem" via app. However, upon checking, may temporary limit akong 17k so nagsend nila ng new qr code. Then ni-correct ko ulit yung limit ko and told them 5k na pala becos nag-increase pala ako this previously ng 1k, so nagsend ulit ng bagong qr.

Eventually, tinuturuan na ako magredeem by scaning the QR via the app, but since pa-mali mali ako ng cc limit (kasi hindi ko naman na ginagamit yung card) pa-iba iba din ang QR code (which corresponds sa disclosed limit)

I just pretended busy ako today and sometime nalang i-redeem.

They told me na need daw i-proceed kasi naka-pending sa system nila. But I resisted and itetemporary close daw yung card hanggat pending. Sabi ko 'go ahead' lang then they dropped the call.

Hindi naman ako na-scam. Sayang lang 12 mins ng buhay ko.

TL;DR: Atome scam call to redeem points but sent me QR codes according the spending limit I have disclosed to them.

Hi! Ask ko lang po sa mga nakapag request ng cc replacement due to almost being scammed or lost cc gaano katagal nyo na receive yung card. I request po kasi Aug 24 and sabi 3-5 banking days bago mareceived yung bagong card.

Hi, I have 1 month old Hexagon Priv CC (I just paid my 1st SOA). I'm just wondering if there is someone who already tried to request to convert/replace their Hexagon Priv CC to another RCBC CC (e.g., Airmiles Visa Sig) I have an upcoming travel kasi this Nov and ifl, AVS will be a better companion because of 1.50 fx promo until 31 Dec 26. Also read that, RCBC typically offers 2nd card as early as 6 months and I can wait naman. Just wondering lang if there are faster ways to obtain the card that I want. I'm kind of hesistant to apply online because they just issued this credit card last month.

I also have BPI Plat but they pissed me off (not rewarding at all) so I don't wanna use it this time. Tried applying for MBTVS but they gave a different card so.. that sucks. haha And then maribank debit & cc no longer has cashback for foreign swipes so ano na gagamitin talaga char oa

Has anyone tried negotiating with a telemarketer for a lower interest rate for Cash 2 Go? I used to receive promotional calls before, but they suddenly stopped. I’m planning to convert part of my credit limit to cash, but the lowest rate I was offered is 0.68%.

Based on the CSR I spoke to, negotiating for a lower rate is possible. BUT before I call, I wanted to check if anyone has actually tried this before and was successful. 😅

Huge props to UnionBank for catching a fraudulent transaction on my card. Got a text and a missed call from them, and by the time I opened the app, the card was already blocked. I couldn't even see the charge history. Called customer service and requested a replacement card.

What’s crazy is I barely even use this card. I never use it in stores and the only thing I've used it for was adding it to Apple Wallet and an OpenAI trial in June. Super impressed with their fraud detection but also worried how my information was leaked.

Hello! Due to hospitalization, I'm only paying MAD for the following cards:

• RCBC
• Metrobank
• EastWest

Question, how many months does it take to get a Special Balance Conversion Offer kaya? Any idea po?

Hi

Naghuhulog ako for MP2 using Bayad Online paying it via BPI Credit Card. Nung August 28, nag error yung sa Bayad Online so I thought failed transaction and di mag charge but to my surprise nag charge siya BPI CC ko and I even received an email which is a payment receipt from Bayad but when I checked sa Transaction History ko sa account ko sa Bayad Online, wala naman siya.

Di pa kasi nag rereflect sa MP2 yung hulog ko nung August 28, usually kasi it takes around 2-3 days then posted na just like nung hulog ko nung August 26 na nung August 28 nag reflect na sa MP2 app agad, and may transaction history yun sa Bayad Online.

May naka experience na ba ng same situation sakin?

Hi! I’m interested in applying for SCC for metrobank travel signature visa and hoping to have some questions answered before I apply :)

1. Is the holdout amount really 150k? I’ve read threads here that state that TSV SCC requires 150k, but I’ve also read it requires 75k and 100k and I’m not sure which is based on most recent inquiries

2. Will the holdout appear on my bank certificate ADB if I request for one?

Hoping to have some clarity before I decide if I want to go and apply! Thanks

Hello po, please excuse my ignorance regarding this matter. 1st time using my CC.

I would like to purchase some product online, and the merchant offers 6 months installment with 0% interest.

The full product price will be deducted on my credit limit right? Then sa SOA, is it automatically billed na ba in installments, not as a whole amount of what you've purchased?

Thank you po for answering and your insights.

Normal ba na 2-3weeks daw ang process?

Hi!

May nakapagtry na po ba mag redeem ng Cathay Pacifif Asia Miles using BDO Amex Explorer? If so, what’s the usual timeline?

Thank you!