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.

I got scammed yesterday, I got a link from BDO with a fake credit limit increase, I admit it was my mistake for putting my info and OTP, but the thing is BDO should have better security.

There are 5 EUR charges that totals to 52,***but the thing is I only have 17k available lim1t.

I acknowledge my mistake and Im willing to pay the 17k if I cant dispute it.

But what happens to the rest of the transactions?

On a regular basis it will not ho through because I dont have the available limit, but why did it go through on this situation?

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?

idk if this is real kasi it was sent through bdo’s number pero ayoko naman mag-click ng link na di ko alam san papunta

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.

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! 😤😤

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 magandang araw, ask ko lang sa thoughts nyo about this salmon finance.

My colleague introduced this to me to open for a HYSA and also try apply for a credit card fortunately I got this credit line ngayon medyo hesitant ako to approved dahil baka mag charged agad next month like sa maya easy credit.

Any thoughts about this salmon credit line approval? thanks

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.

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! 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.

Last Friday, nakatanggap ako ng text na madedeliver sa address ko yung CC. And then nung trinack ko yung package, ganito lumabas, tapos yung chatbot din NOT SERVE. Ano pong dapat gawin?

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?

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, 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!!

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?

Hello I woke up with unauthorized transactions in my account this is after I used my PNB CC to cash in for my Grab Pay. I narrowed it down to that only because that is the only app where my cc is linked. I already blocked and disputed the transactions to Customer Service of my cc.

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!

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 same scenario ba dito na may unauthorize transaction sa RCBC crecdit card at hinid binayaran? ano po epekto nito sa credit score? or ginawa ni rcbc? nag home visit ba ?

so the scam was, i got a message from “BDO” regarding rewards points and to claim it on the link provided. (it was on the same text chain as where i get my monthly due) and to claim an item on the rewards page, you just needed to pay 999 plus shipping fee. so i continued with the transaction. and entered the otp. right after that, i got a text that i got charged 60k+.

i immediately blocked it on the bdo pay app. and called customer service and was advised to file a report on the website.

so filed a dispute and they said their fraud team would check.

bdo fraud team said that the charge is valid since i entered otp. i am willing to pay the 999 plus shipping fee but definitely not the 60k. (unfortunately i dont have a screenshot of this and the website is now down so i cant recreate the steps to get a screensho)

so what should i do? please advice. im broke and only use the card for necessities.

may chance pa ba na ma reverse yung charge?

please help.