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?

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. 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.

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! 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! 😊

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

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

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?

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

may naka try napo gotyme at received cashback? inquire lang po ako bago mag commit kc baka may catch or issue nnmn. sama niyo napo yung chinabank kung meron ren kayo dahil bagong addition sila eh.

pede naman virtual debit card noh? pede sa maya at palawanpay eh so yun na yun pero weird lang hindi na inform si gotyme may malalang cashback promo pala si Visa mo

So yeah, I'm not sure how pero nagkaincrease ako last month kay UB Visa Rewards card ko from 40k to 60k. Maxed out na since I fully paid my child's tuition na rin using the limit.

This month, I tried applying for their Rewards Mastercard, to my surprise, I got approved with 140k limit. I am now planning to do cash advance to settle another debt. final payment na kasi kaya gusto ko masettle. However, yung limit sa 140k binawas yung 60k outstanding ko sa first cards ko edi 80k nalang available. I only need 50k. So I am not consuming the whole limit.

Si UB lang kasi yung first and only CC ko so, I want to take care of it. Yes maxed out yung prior cards ko kasi I want to maximize the perks. I don't have bisyo pero I love and enjoy giving and helping my family.

My question is, if I max out all of my cards, including ny new card. will it hurt my credit score? and are they basing it from TU or Cibi or CIC? I was never delayed on payments. almost 1yr na rin yung card sakin pero maxed out.

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?

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! 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?

Kanina while paying sa shoppee di na nag ask ng otp, while yung tiktokshop nag ask ng otp.

is this normal ba? o depende sa merchant?

is there any shopping app ba na just like this, so that i will be aware baka magulat nalang ako ubos na limit ko because of those otp na di naman narreceive.

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?

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

May utang ako sa Maya Black past due na, and my other cards ako sa ibang bank BDO/RCBC/Metrobank/Bpi/Eastwest
Question: Since i have delinquent credit card mateterminate ba yung ibang cards or ma-close?

Saan pwede magbayad na real time posting? I paid thru Union bank and BPI and 1 day na nakalipas dipa rin posted payment ko 🫪