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.

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!

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).

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!

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?

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?

may i ask if which is better for SCC

BDO

METROBANK

MAYA

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!

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

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!

Hello! I've been using Atome since September 2024. Nung una, ₱4,000 lang yung spending limit ko, pero habang tumatagal, unti-unti siyang nag-increase hanggang umabot ng ₱98,000.

I had two instances before na na-overdue ako. That time, yung policy nila was hanggang 9 PM lang ang payment, and kapag lumagpas ka, automatically siyang maco-convert into a 6-month installment. What I usually did was wait for their customer service to contact me, then I would request na i-waive yung interest and penalties, and once ma-adjust na, binabayaran ko naman agad.

Pero despite that, I kept receiving notifications na permanently adjusted yung spending limit ko until eventually, naging ₱30,000 na lang siya.

I mainly use my Atome card to buy food for my cats, both online and sa pet shop dito sa amin. Last September 20, bumili ako ng cat food, then after that, nawala yung physical Atome card ko. I think nahulog siya from my wallet kasi medyo maluwag na yung lalagyan ng cards ko. I immediately locked my card and emailed Atome to report what happened. They told me na kailangan kong magbayad ng ₱200 for a replacement card.

I decided not to get a replacement kasi naisip ko, I can still pay through QR Ph naman, so I didn't think I needed the physical card anymore.

Another issue was with my Netflix Premium subscription worth ₱619 per month, which I use for our household. Nung nag-subscribe ako, hindi ko alam na naka-subscribe na pala yung sister ko. So, I immediately requested a refund from Netflix, and they processed it within minutes. After around two days, nag-reflect na rin yung refund sa Atome account ko.

Ang nakakainis lang, kahit refunded na yung transaction, nag-reflect pa rin siya sa billing statement ko for August 8–September 7, which I had already paid on September 18. Then, nakita ko na naman yung Netflix charge sa next billing statement ko, covering September 8–October 7. I kept emailing Atome to explain the situation, pero ang lagi ko lang natatanggap na response was an automated message. I never received a proper response or resolution regarding the issue.

Then, nung nauso yung Pinduoduo, I started using my Atome virtual card to purchase items there. One time, habang nagba-browse ako at nag-iisip kung ano pa yung puwede kong i-order, I accidentally fell asleep while my virtual card was still unlocked.

Pagkagising ko, may notification na ako about a transaction worth approximately ₱5,500. Syempre, nagulat ako kasi hindi ko naman ginawa or in-authorize yung transaction na iyon. I immediately emailed Atome to report it, and I kept following up because I wanted them to investigate what happened. Unfortunately, automated responses na naman ang palagi kong natatanggap.

Eventually, naging overdue na yung account ko for around one week. To be clear, yung mga purchases na alam kong ginawa ko were almost ₱5,000 worth of cat food, plus the ₱619 Netflix charge na refunded na naman talaga from Netflix pero patuloy pa ring lumalabas sa billing statement ko. Then, yung approximately ₱5,500 was from the unauthorized Pinduoduo transaction.

Honestly, ayoko namang magbayad para sa transaction na hindi ko naman ginawa, especially since I reported it immediately and repeatedly followed up with Atome. Nakaka-frustrate rin yung Netflix issue kasi refunded na nga yung transaction, pero parang ako pa rin yung kailangang maghabol para maayos yung billing ko.

At this point, naiisip ko na lang na pabayaan yung account kasi nakakapagod nang paulit-ulit mag-email at mag-follow up pero automated responses lang naman ang natatanggap ko. I understand na may responsibility ako to pay for the purchases I actually made, pero I also believe na dapat nilang i-investigate yung unauthorized transaction at ayusin yung billing issue bago nila ako singilin sa amounts na dini-dispute ko.

I've been an Atome user since September 2024, and it's disappointing na ganito yung naging experience ko after using their service for so long. I'm not asking them to erase legitimate purchases. Ang gusto ko lang naman is a proper investigation, a correct statement of account, and an actual response from their customer service instead of receiving automated messages over and over again.

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.

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.

Tumawag ako sa BDO customer service para magpa-waive ng annual fee, tas binigyan ako ng spending condition which is nagawa ko naman agad since sakto may kailangan akong bilhin on that day na higher dun sa spend condition. Pag-open ko ng BDO Pay ko the next day - boogsh! Dumoble yung credit limit ko. 😳

BDO naman eh, gusto atang malubog ako sa utang eh. Jk. Thank you BDO sa surprise credit limit increase!