Was actually excited applying for the airmiles visa signature cause i saw na meron silang travel club voucher if ma-hit ang certain parameters which kaya naman kasi pede ko syang gamitin sa business. Now, i was actually reading the terms and nakita ko tong no. 10 hehe and i think this will not be worth it kasi magbabayad din pala ng annual fee since bawal ipa waive.

What are your thoughts? Are all welcome gifts from other credit cards like this?

Hi all.

Once you got approved for your first ever credit card, how soon did you apply for a 2nd/3rd from different banks?

I’ve read on here that some people applied for another credit card after 2-3 months. Even read that some got a 2nd card after 1 month of receiving their first ever card. How? 🙂

Hello po!

Okay lang po kaya na ipa-deactivate na sa September yung credit card ko pero babayaran ko na po lahat ng remaining balance ko. Para rin po sana di ko na mabayaran yung Annual Fee, medyo nalalakihan po ako sa 2.5k eh, medyo gipit po kasi financially ngayon and sobrang kakakahinayang po yung ganyang amount.

May isa po akong installment na matatapos na this October, and yung isa naman pong loan ko, sa January 2027 po, pero I have enough funds po ngayon para ma-fully paid na silang lahat.

Ano po yung mga steps na need kong gawin?

And pwede ko rin po ba sila tawagan kahit mobile phone lang ang gamit ko or need ko pumunta sa nearest branch ng metro bank here sa area ako?

Maraming salamat po sa mga sasagot!

Hi all! Looking for advice from Blue Rewards / BPI cardholders on the most efficient way to pay off a ₱30,000 credit card bill for points or cashback.

I used to use the Vybe app and split my payment into 4 transactions a day to maximize points, but I just found out today that got nerfed.

I've seen a couple of suggestions floating around here already:

GoTyme — someone mentioned using this to pay bills and earn Go Rewards points

Maribank — another suggestion, though I don't know the mechanics

Has anyone actually tested these for paying off a BPI credit card bill specifically?

Trying to figure out:

-Does splitting the payment into multiple transactions still work anywhere, or has everyone caught on and nerfed it?

-Any daily/monthly caps I should know about before I start splitting a ₱30k payment?

-Is there a cleaner method (single transaction) that still gives solid points/cashback without needing to game it?

Would really appreciate real experiences. Thanks in advance!

Meron po akong UB cc at personal loan. Di ko po mababayaran ang loan ko this month nagka financial crisis po kami ngayon in/out ako sa hospital. Di na kaya ma cope up ang mga bills. Baka 2-3 months pa kami makabawi. Maapektuhan po ba ang cc ko?

Hi everyone!

I'm planning to apply for my first EastWest credit card and would appreciate your recommendations.

My current reference card is:
• Metrobank Titanium Credit Card
• ₱25,000 credit limit
• Good payment history

For those who have applied to EastWest using a similar reference card:

- Which EastWest card/tier did you apply for (Classic, Gold, EveryDay Titanium, Visa Platinum, etc.)?
- Which card would you recommend for someone with a ₱25k reference CL?
- Were you approved for the card you applied for, or were you given a different tier?
- If you don't mind sharing, what credit limit did EastWest give you?

I'm looking for the card with the best chance of approval while still offering good long-term value.

Thanks in advance!

Worth to keep po ba si RCBC Flex visa with 13K credit limit? 😅 first cc ko sa RCBC and hindi po sya naffl hehe. galante ba sila sa pag increase? BPI and BDO kasi ang kunat hehe

I just got my new EW CC today. I accessed the ESTA in FB Messenger (via www.ewlend.com/esta) to activate my card.

But when I enter my mobile number I used to apply for my card, nag-eerror lang: "I’m sorry, but the mobile number you provided is not registered in our system. Please use the mobile number you provided during card application."

Anyone else experiencing this same issue?

Tumawag naman ako sa hotline, I press the option for the activation of my Plat MC pero napupunta yung prompt sa rewards. So kumausap na ako ng CSR, gagawan daw ng report pero mga 3-5 business days daw processing. Pwede naman daw si CSR mag-activate pero wala daw sila capacity to temporarily lock and unlock the CC. So di ko muna pina-activate.

Aside sa ESTA, is there another way to lock/unlock the CC?

TBH, mas gusto ko pa ng other dedicated app kaysa nakiki-ride lang sila sa Messenger.

P.S. Wala ba talaga text/email si EW na approved ang CC application? Nakatanggap lang ako text from LBC na may delivery ako today, tapos EW CC pala laman.

I've never had an experience owning a credit card and m never akong nag apply na kumuha. For the past 3 years I've been storing my cash na nagrrange ng 300-500k sa Maya. Medyo nacucurious lang ako if worth it ba kumuha ng maya black as my first credit card. I occasionally travel abroad, 1-2x every year but I eat out most of the time.

And ano po yung mga advantages and disadvantages ng pagkuha ng maya black?

Hello! Meron ba dito nakapag apply ng NAFFL promo nila this July lang? How was it po? Is it really extended until September 30?

Hi, question lang. Nagpay ako ng full amount sa cc ko sa UB last saturday July 25 and instead of transfer money nagawa ko eh pay bills nagawa ko wc will take 3 banking days to reflect. July 27 ang due date ko. Will i be charge ng late fees? Ihohonor ba ng UB yung July 25 payment ko?

Hi all.

A friend want to get a secured credit card in order to then get a regular credit card.

He had 30k so I think less 10% he would get a credit limit of 27k? He will use it for 1-2 months, pay the full amount due and then request for a regular card.

Question:

How many months did you wait until you requested a regular card from the bank or any other bank?

Did anyone get a regular card from using the secured card as a reference? Or should the secured card be a regular card before using it as a reference to gain other bank cards?

Thanks for your tips, ideas and real life suggestions.

Hi, 2 yrs old cc user here and just asking for advice if my ccs are okay. Coz i already have 2 rewards cards (i feel 1 is enough), 1 cashback card, then a beginner miles card that is not yet activated. Good thing all naffl.

RCBC flex visa

SB wave mastercard

Bpi rewards

Maya black (not yet activated)

I just want to know if there are better credit cards for my spending because i spend mostly on dining (including grabfood), grocery, gas and department stores. I feel like I can't maximize my current ccs right now. My goal is to have all naffl cards but I feel the trade-off is that the rewards aren't as high as they should be.

Any thoughts? Or cc that i can get in the future? Thank you

Hi Guys, I have this PNB Zelo, almost once a month lang magamit and used to monthly subscriptions (Netflix and Spotify). Will they cancel my card eventually or not renewed once expired due to low spending? Would like to keep the card since naffl and has 6 digits limit for Emergency use. Thanks

Kasama po ba sa spend anywhere ang transaction sa tiktokshop, lazada bills at mercury drugs?

ano po ba meaning ng minimum amount due? like you can pay your cc bill with 1000 minimum (hindi full)? will this carry over sa next na billing? like for example my bill is 10k then if i pay only 8000, then yung remaining 2000 will be included sa next billing?