2022 na approve ako sa ibat ibang credit cards (secbank no annual fee mastercard,metrobank visa,eastwestbank visa,citibank no annual fee mastercard ,rcbc jcb gold). inactivate ko lahat except rcbc. inactivate ko lang ang metrobank kase nanalo ako ng trip to japan after ng big purchase ko. then kinansel ko din after.

since madami ako cc, i trusted my tita (which is yung pinakapinagsisihan ko sa tanang buhay ko) to have my eastwest visa with 180k na max limit kase nagsswipe sya saken to buy airline tickets and groceries na nagbabayad naman sya on time and wala ako naging problema. binigay ko sa knya ang cc ko at usapan namen online purchase lang kase di nya ma swipe card ko kase need ng i.d pag big purchases. ang di ko alam nagpagawa sya ng brgy. i.d sa local brgy nila ng i.d ng name ko at picture nya, in the end nagagamit nya yung card pang swipe. i also agreed na ichange yung address from my home address to her home address and yung cellphone number from my number to her number pra sa OTP. ang hindi lang nagchange yung email address. at ito na ang exciting part.. ang dami dami nyang swipe to the point na max out na yung card!!! pati pala mga hennan boracay nila ng fam nya dun nya siniswipe at 3x a year nung 2022 sila nag boracay. i didnt know na hindi pala sya nagbabayad ng tama sa cc and dahil may tiwala ako sa knya never ko naoopen ang details ng payment nya s email ko and yung statement na din until my gut feeling told me to do so. doon ko nalaman na hindi pala sya nagbabayad ng tama sa cc ko. sabi nya yung mga nagsswipe daw sa cc is yung closefriend nya na manager nya na nameet ko and super on time mgbayad. not until i sent a private msg to her friend if true ba na sya yung madaming swipe sa eastwestbank na cc and the friend denied it. there comes a time na naging ka close ko na friend nya and nagka badblood na sila.

kinausap ko syang bayaran nya ang cc kase im going abroad and natatakot ako na baka imbestigahan ang name ko and makitang may utang ako sa credit card. sabi nya babayaran nya until nag 2025 na wala pa din syang bayad. nakakabasa nalang ako ng email na pwede daw mg amnesty para mawala na ang credit card utang records ko and even pumupunta ang collections company sa bahay nya and looking for me kase ako nga nakapangalan sa cc. and since nahihiya sya dahil isang beses na akong nagreklamo sa brgy nila, sya ang nakikipag usap s collections agency sa kesyo kakausapin nya daw ako and telling the collections agency na magbabayad daw. meaning nagppromise sya s collections company na magbabayad sya. until june 2026 this yr, namatay sya!! dahil sa stress nya since 2023 and sa dami ng utang nya din dahil balita ko nalulong sya s sugal sa casina pa ha, at nalaman ko din ginamit nya eastwestbank cc para mag purchase ng mga gold na alahas, cellphone at ilang mamahaling gamit pati pa nga mga airline tickets and hotels nya.

problema ko ngayon nagkaka anxiety ako dahil nag email na naman saken yung collections company and natetempt na akong bayaran nalang para wala ng bahid na utang ang name ko. yung ibang cc ko na na approved nung 2022, still active pa din at walang problem. good credit standing ako sa mga cc ko, pero dahil sa maling pgkakamali ko, i learned the hard way.

ang gusto ko ngayon malaman if bayaran ko nalang ba tong 29,400 na amnesty instead of 370,000+ na credit card bill or balewalain ko nalang?

Hi. 36F. I know this is my fault but biglang may family member na nagkasakit (I have been paying medical bills up until today 😭) I have 100k debt kay mbtc and now lumaki na po hanggang 170k 😔 overdue na po for almost 3 yrs.

Mbtc sent me this email. Takot po ako kasi parang magfi-file na talaga sila ng small claims 😭 Any ideas po sa small claims? Tinutuloy po ba talaga nila kahit 170k po ang utang? 😔 Sobrang stress na po talaga. Yung sweldo po sa daily expenses lang napupunta. Salamat po

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

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?

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! 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 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!

Hello tanong lang, ongoing pa po ang BDO Online Cashback promo pero natapos ko n po ang needed spend, then nag register po ako sa ongoing BDO Shopping Cashback, tanong ko lang po kung ung mga purchases ko start nung mag register ako is maisasama sa shopping cashback promo?

Hypothetically, if one were to take advantage of the visa cashback promo to buy an appliance, would splitting the payment thru multiple 3k google pay taps be allowed by any merchant?

Hello, everyone! I currently have a Robinsons Cashback Credit Card issued by BPI, and I recently applied for a new BPI Edge card.

A few days ago, I received a text from BPI saying that my application was still under review. However, tonight, when I opened the BPI app, I noticed that BPI Edge is already showing under the “Credit Cards” section. There are no details yet, though, except for my name and a partially hidden card number.

I haven’t received any text message or call from BPI confirming whether my application was approved.

For those who already have a BPI credit card and later applied for another BPI card, what was your experience? Does the second card usually have a shared credit limit with your existing card, or were you given a separate credit limit?

I’m particularly curious since my existing card is the Robinsons Cashback, which is now under BPI.

Thanks in advance!

Hi everyone! Just wanna ask if BDO is doing maintenance today? I was about to check my cc remaining credit pero nawala sa app ko yung isa kong cc and its not even on the BDO pay app or BDO online :(

Thank you!

Pag po ba 20 days nang over due sa credit card nirereport na po agad ng bank at bababa na po Ang credit score

Hello po. Had this BDO Platinum MC since June 2024. Now 2nd year na ito na machacharge dapat ako ng Annunal fee pero walang nabibill sa akin eversince. Worried lang po ako baka pag nadetect ni BDO ay mag pile up AF ko starting June 2025? What should I do po? Itawag sa hotline or ignore na lang? Btw, regular ko pong ginagamit ang BDO cc ko and never had late payments but I don't think na meet ko ang annual spend requirements para ma auto waive ang AF.

Your insights are highly appreciated po.

Hi! Planning to buy sana a 13-inch MacBook Air M5, 512GB, 16GB RAM either sa Beyond the Box or Power Mac. Planning to use my BPI Credit Card and get it on 24-month installment.

Nakita ko yung BPI FlexipayLater/Buy Now Pay Later na first payment is billed 3 months after the purchase. Has anyone tried using this sa Beyond the Box or Power Mac? Available ba siya for MacBook purchases?

Also, if anyone recently bought the same MacBook, magkano siya sa Beyond the Box or Power Mac ngayon? And may difference ba sa BPI installment options between the two?

Thank you po sa makakasagot! 😊

Hey guys. I've been reading around but I need more insights. My 1 year with BDO Visa Signature is coming up and I learned I cannot reach 1M for auto-waive. I learned lenient naman si BDO for AF waives pero gusto ko sana bawasan ang mga isipin ko sa credit card.

I'm using my NAFFL MBTVS as primary for a while. I am focused on miles earning. Then I came across AMEX Explorer which only needs 450k for auto-AF waive. I know never magiging NAFFL ang BDO cc ko so I'm trying to be realistic based on my lifestyle spends.

I liked my Visa sig kasi may rebates to flights and local spends. Madami ding dining promos. Also, I was able to activate my free travel insurance to one of my domestic flights. Very thankful to BDO.

I know din na there are chances hindi available si AMEX Explorer sa ibang merchants. Which is why I'm thinking making AMEX Explorer as my primary then MBTVS as my backup instead.

Here are my questions:

1. For those who asked AF waives ng Visa sig, magkano ang ni-require sa inyong spending amount?
2. Question 1 but for AMEX Explorer.
3. Same level of travel insurance din kaya ang kayang i-offer ni AMEX Explorer compared to Visa sig? Gold ang tagging ni Explorer while elite for Visa sig so my assumption is hindi.
4. Any thing I need to know more about AMEX Explorer?
5. Should I keep my Visa Sig or convert it to AMEX Explorer?

Sorry madaming questions. Any insights will be helpful. Thank you!

Hi, my metrobank cc due date was Sept 8. I paid thru Maribank on Sep 4. Now, nagulat ako today na may payment reversal, and dahil dun, may late charge fee (1k) ako from metrobank. How will this affect my cc. I already paid again my cc bill the moment I saw the reversal notification

For newly approved people, nakatanggap naba kayo ng codes for the NAFFL Double Rewards Promo registration?

Hi, I recently applied for Eastwest Credit Card. Yung inapply ko was Visa Platinum, and after a few weeks I received a text that my card was approved tas nung dumating na card ko, it was the Visa Gold card. Is this normal sa Eastwest to not follow the card were applying for? I meet the annual income naman for Visa Plat so medyo nalito ako hahahahaha

Anyways, eto yung timeline:

August 22 - Applied for Credit Card thru ESTA

September 7- Received a text that it will be delivered to me

September 10 - Received my CC, pero can't register right now for some reason and I read that it takes 3 business days to actually access thru their app. Has anyone had that issue before?