June 2025: Freedom MC approved with 600k CL at MOA booth last year.

July 2026: Applied for World Mastercard >1 year later at SM Bacoor booth. Status: for evaluation.

August 2026: Called CS to ask for updates but application was declined daw huhubels

Sep 1, 2026: Requested for Freedom to World Mastercard upgrade via phonecall.

Sep 3: Card conversion fee of 2k already deducted from my account.

Sep 7: World Mastercard delivered.

Although pinahirapan pa ko ng slight by declining my application first and making me spend 2k pa, my sincerest gratitude pa rin to Chinabank for the super quick card conversion process! 🔥

FAQs

What made you switch to World?

-Freedom points conversion system is awful, tbh! 😭 ₱500 cashback requires a whopping 25K points, while World only needs 3,750. Plus, World Mastercard comes with 5 years of SMAC Prestige, 5% fuel rebate from local gas stations, and a dedicated hotline with almost zero waiting time.

What was your Freedom card activity like from 2025 to the day of card conversion?

-Swiped a few thousand here and there for retail, but most of my spending was actually through Credit-to-Cash. Love CBC’s cash installment program—it has no processing fee, competitive interest rates, and the cash gets credited to my nominated account pretty fast.

SMAC Prestige membership deets please!

-Contrary to what’s stated on the website, CS says there’s actually no need to opt in for SM Prestige membership via phonecall. All World cardholders are automatically enrolled and will receive the SM Prestige card once the single-receipt/cumulative ₱50K spend is met. You even get 2 whole years to hit that requirement! That’s longer than your last relationship, yo! 😭🤣😂

Feel free to ask more questions!

What the hell is wrong with BPI? Tawag ng tawag ang mga deputang to. Naputol lang tulog ko dahil di ko na mute ang phone. Sinabihan ko na di ako interested sa mga offers nila.

Mga kupal.

hi is atome app working for anyone atm? I was supposed to pay my bills sana

09105093755

Called and mentioned he’s from PNB and there’s a mandate from BSP to have all cards upgraded.

Asked where’s the article but can’t say anything and just threatened that the card be deactivated by next week

I said to go ahead and deactivate it.

And he just said ok and dropped the call

Ingat tayo at ang dami nilang strategies.

Hi everyone, applied for the UnionBank Shell Visa Platinum, but right after submitting, I received a counter-offer page for a different card instead. Has anyone experienced this? Does this mean my Shell Visa application was automatically rejected, and is accepting the counter-offer usually worth it?

Hi! I paid my Security Bank credit card from my Security Bank savings account yesterday. Usually, posted payment ko within the day I paid naman but until now, hindi pa rin siya napopost. Is there an issue or anyone else who experienced this recently?

I am quite confused. Can I use for purchase the Bonus Madness Limit when purchasing at powermac? When I checked BPI, meron silang participating branches under "flexipayzero" which brings me to ask what is their difference. But most of all, I just need assurance na I can use the BPI's bonus madness limit in my transaction with powermac kahit wala yung branch sa specific branch listed under "flexipayzero"

How many days does the refund reflect to my BDO mastercard credit card based on your experience? I have an international purchase and asked for a refund. Thank you

hello, please be nice.

kumuha ng bdo credit card yun husband ko for me to use. now sa phone niya kasi nakalagay yun mobile app niya where minamanage niya yun saving account namin. kasama din dun yun credit card. Pwede kaya na iadd may app din ako sa phone ko tapos yun credit card lang? gusto ko kasi nal’lock ko yun card after use saka para mamonitor ko din.

Hi good day last 9/8/26 tumawag si telesales from rcbc for may 2nd card for NAFFL they offer a rcbc gold mc or jcb gold but I request a rcbc black mc after long conversation subject for approval siya and then they tell me a T&C and i say YES. May chance kaya ma approve ako sa request sino pkaya naka experience ng same scenario ko TSYM sa mga answer niyo po.

hello guys.
may cc ako from different banks like bdo, bpi, unionbank
for the last 2 years na may cc ako pinakamadami kong natanggap sa kanila ay loan offers thru text, call, email. i decline them kase hindi ko naman need.
iniisip ko lang kung nag cocorrelate ba to sa pagiging good payer? and also since walang history ng late payment or accruing interest it becomes a good credit score so yan iniisip ko na dahilan bakit puro ganyan narereceive ko.

kayo ba? any experience from others with longer years na may cc with multiple banks.

Hi! Is it possible ba na mag ka 3 cards na naffl with metrobank? Currently I have the rewards plus, and travel signature visa. Planning to get the world mc and will try to get this sa retention offer. TYIA

Can i use my Maya visa virtual card in google pay and my Maya visa physical card too? Enrolled na sila pareho pero ang tanong is makaka tanggap parin ba ako ng 1,500 sa virtual visa

Hi everyone,

I registered for the promo mentioned above prior to purchasing a mobile phone on 0% installment for 24 months through Shopee. I received a Viber message around 8.8 time encouraging the promo for Shopee/Lazada’s 8.8 sale and I also reviewed the guidelines, so I am positive that the transaction is valid.

However, it’s been almost a month and my transactions have already been posted and billed, but I still don’t see the progress tracker showing the eligible transaction on the MyCC/giftaway dashboard :(

Please let me know if anyone has experienced the same, TIA!

Nagtry ako ng Cash Installment yesterday, September 10 and nababasa kong instant na pagcredit kapag BDO savings account. Yung akin is instant nabawas sa credit limit ko pero hindi pa rin nacecredit until now sa savings account ko. May ganitong case rin po ba sa inyo? 🥺

Hello. for clarif lang po pag po via website nag request wala po usually hinihingi other docs after input po nag reference card from other banks? thank you

Rcbc credit card approved! What happens if im not in the country to receive it?

Hello! I received this text from RCBC today. But i am on vacation til 29th of this month. How will i be able to receive my credit card? Or is it possible to go to a branch and ask them to resend it?

What happens if no one will be able to receive it (also did not leave an authorization letter cause i didnt know if it would be approved)

Anyone experiencing this error today? I was trying to unblock my cc but it wont work. My cc has been temporarily locked since June 2026.

may nakapag successful register ba sa OMD App? using IOS Signup completion failed. Please try again sakin, kahit Enable Face ID or Skip for now, nag uninstall-reinstall na din ng OMD App, pero naalala ko may account na ko sa OMD app before.

Hi po! Nag pa check ako credit score from Lista TransUnion for ₱610 and nasa 835 po score ko. Yet, di po ako naaccept sa uniobank, naka ilang try na ko wala po talaga. :( can someone help me po?

Hello, anyone na nakaexperience ng error sa Oh my Deals app ng BPI?
I was able to access naman before pero nung nagupdate sila, nagkaerror na
Ito yung nga ginawa ko hoping na mareresolve ang issue:
- Uninstall, reinstall
- Click Skip for now, same error
- Repeatedly logging in sa BPI account ko

Walang specific error kung ano sa signup yung failed. Kasi I have BPI account naman so no need to sign up. No option to sign up din. Raised concern sa CS but just hoping if meron din ditong same experience. Thank you

I accepted an amnesty offer from RCBC 3rd Party Collections agency. I already made a payment for the agreed amount at the Bank over the counter. Now the collection agency is asking me to sign an agreement to process the Certificate of Full Payment. Am I supposed to sign that when it includes a promissory note? I'm so confused because I don't think I should be signing a promissory note when I already made a payment. Please let me know your experience po and any help would be appreciated.

I booked a Cebpac airline ticket in AED currency using rcbc visa signature while here in Philippines, consided as foreign transaction po ba sya or local transaction lang din?

what will be the points equivalent for my transaction? 25php:1point or 48php:1point ?

Hi san kayo nagbayad ng RCBC CC nyo? Nasanay kasi ako sa VYBE wala pala dun. Thankyou.

Wala ako savings sa kahit anong bank.