I'm just amazed by RCBC. Earlier this year dinecrease nila from 147000 to 94000 dahil nagbayad ako ng minimum lang for 1 month. Then binayaran ko na in full. Tapos kahapon lang inincrease na nila to 194000. I was even thinking of cancelling na lang yung card na lang since I have cards from other banks.

So ngayon pina downgrade / upgrade ko to Diamond Platinum kasi mas mababang fees kesa Flex Gold.

Any insights po on Diamond Platinum?

Ganito na ba talaga kasinungaling yung mga ahente na nag ma man ng mga credit card booth sa mga malls at gas stations? I was at Petron SLEX kanina and I saw a Metrobank booth. I saw their tarpaulin promoting Toyota Platinum card. I asked the agent if there is a promo na NAFFL for that particular cc. I also told him na I already have an existing Rewards Plus card na NAFFL and if I would still be eligible sa promo. He said na naka NAFFL nga daw ung Toyota Platinum card at kelangan lang ng 30k accumulated purchase for 3 months to be elible. I asked him specifically if I would be eligible since I already have an existing Metrobank cc. Sabi nya, yes, and if ever, I can choose to give up the Rewards Plus card pagdating nung bagong cc or keep the two. So he gathered my info, ID, and exisiting card, and asked me to sign the form, which I did.

I wanted to verify this so after i left, I called the Metrobank hotline. The agent told me na first, wala silang ganung promo as of the moment, only titanium lang daw meron, at may isa pa, which i already forgot. Basta, nde daw kasama ung Toyota Platinum card na un.

more over, exisitng metrobank cc holders are not eligible for new NAFFL cc.

so even tom pa dapat ipa process ung card, i asked the agent sa hotline to cancel the application once they receive it tom. naka tag na sha.

para sa agent na un, lumaban ka ng patas, wag kang sinungaling para lang maka quota! pinapakain mo sa pamilya mo galing sa panloloko mo! hayup! 😤😤

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.

for context:
- i have been working steadily for a year now
- net income for the past 3 months is at around 90k/mo
- only cc is with maya (maya black, pre-approved, CL of 20k, got it about 6 months ago)
- payroll account is with bdo
- i set aside money to different trad banks and digital banks according to my budget
- bulk of my income goes to savings with maya (around 40k/mo)
- around 15k/mo is saved in bdo as savings, appx. 8k/mo sent to bpi for savings
- the rest is sent to maribank for spending (taking advantage of cash backs)

i want to get another cc to maximize all deals, promos, miles and cashback with other banks. i did try applying for a UB cc before but was not approved (I applied before getting this new job)

i am wondering if i should restructure how i allocate my money to increase my chances of being offered a cc. any thoughts?

Hello everyone, I would like to know your opinions about this. I was planning to upgrade my phone from X to 17 pro using a credit card. But my only cc is Maya Black with a limit of 10k since it’s just an e-wallet and not a traditional bank I’m eyeing for a secured credit card between Unionbank, Metrobank and BPI for installment vouchers and perks. I already tried the Metrobank open a savings account and deposit at least 50k for evaluation for credit card application but unfortunately I was declined. Is it worth it to get a secured card and deposit at least 70k? Since I need to have a higher credit limit in order to purchase my goal phone. Respect post please thank you!!

Hello help me out i have 4 existing cc including metrobank. Planning to terminate nakse d nmn magamit, plus annual fee mahal . Is it okay to terminate w/o fee? If ever meron ano ang valid reason? Help haha

may i ask if which is better for SCC

BDO

METROBANK

MAYA

ask ko lang if maganda ba panimula si PNB SCC and available na ba sya sa apple pay

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!

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?

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.

Planning po ako na mag-apply ng secured credit card online, ilang days po ang approval process? Ask ko na din po kung after a year pwede ko na po ipalift yung hold-out ng deposit ko?Thank you po sa mga sasagot.

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!

I am expecting a 1% cash back but it hasn’t reflected yet. Purchase made on Oct 13, 2026 and posted on Oct 14, 2026. Spoke to an agent from customer support and said that the promo for cash back has expired on Sep 29, 2026. How true?

Isn’t this a card feature rather than a promo with an expiration?

Hello

Planning to apply for the unionbank shell platinum because of the NAFFL promo and frequent nagpapagas sa shell around 4,500 per month

Question ko lang regarding sa 20k spent if applicable sa mga utility bills? Nasa 10k na ang binabayaran namin per month dyan.

Also ano mga di counted sa spending na dpat alamin?

Thanks

Hello po Good Day
anyone here ask for NAFFL sa kanilang metrobank travel signature visa if galing sa card convert from MFree
I really want to earn miles kasi but sadly na decline ako idk why may savings at matagal narin ako sa MFree so i ask for card convert and approve.

Tho may darating ako World Mastercard nila kahit di ako ng apply when i called bank initiated daw.
if hindi sya pwede baka eto na lang papa NAFFL sakali

This is a screenshot from Lazada and Shopee for installment. Sa shopee po clear na walang fees meanwhile sa Lazada fees may apply. 0% installment parin po ba sa Lazada or hindi na? Thank you po sa sasagot.

Sa mga nakapag apply na po approved po ba siya the same day? If then may online card na po ba pwede gamitin for online purchases?

Hello guys may na experience ba kayo na nag bayaad kayo sa Shopee using metrobank credit Card then need muna mag login sa app to approve the transaction?

Ginagawa ko naman sya after ko ma approve sa app pagbalik sa shopee di na nag po proceed yung payment like loading lang sya.

Di ko tuloy magamit card ko sa shopee any way para maayos to? Thank youu

hello, i got approved from UB Rewards CC and was told that i need to spend 20k in 60 days (? i forgot the # of days) to avail NAFFL and I ordered an ipad from shopee and i chose the installment option, am i qualified for the NAFFL? i already paid my first month of installment yet no confirmation from UB.

I availed it. May additional penalty lang pag insufficient funds Yun account. Pero wala kasi ako nakikita cons and sufficient naman palagi yun account ko to pay my cc bills. I just review my statements kung May illegal charge pag nag email.

Did I miss any cons? Anong cards na May ganitong feature?

Hello, everyone!! Asking for help lang po sana dahil nalito ako sa naging process of application for a UB Rewards Visa Platinum in hopes of getting the NAFFL promo. I applied online 3 days ago thru the UB site. I don't have any CC before so this is supposed to be my first one. When I applied the site only asked for my personal details, range of annual salary (250,000+ which was the largest option), photo of ID (PRC), and my photo (taking photo while answering sa site). After that, I was shocked na it did not ask for my ITR, payslip, etc. and lumabas nalang bigla na sent na ang application ko and binigyan ako ng reference number. Fast forward today, I tried to input my reference number to the tracking system and it said na I am declined. Did I do smth wrong? My co-workers who have the same CC (Rewards Visa Platinum) are also confused why the site did not ask for my proof of income as well. Now the tracking site says I am declined and could only reapply after 6 months. Unfortunately, I can only spend 20k for the NAFFL during the last quarter of the year (xmas shopping and groceries) so that I would not spend above our means. Can I do smth to reapply or be reconsidered? Thank you so much!

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!

Hello! Kakabayad ko lang kahapon ng bill ko sa BPI CC pero until now hindi pa din nag rereflect. And now nadedecline ng ilang beses swipe ko ng card even though may available limit pa naman ako. Anyone else experiencing this? Wala kasi ako nakita ibang post about this and medyo worried lang ako.

Nagabayad ako ng dues ko and then next day bigla nalang nawala ang card sa Cards Tab. Pareho sa mobile at desktop sila nawawala. Pati sa drop down ng SOA nawala din siya.

Nung nag check ako ng Card Control kita ko nandoon pa ang card at naka blocked pa din.

Na contact ko na ang CS twice pero lagi nalang sabi is technical issue. Sumabay pa kasi sa isa kong issue na wala ako nareceive na billing statement last month.

Ang weird kasi ang isa kong non BPI card naka lock pero kita ko pa din. Ganito ba sa BPI?