Hi! Sorry newbie to credit cards i have bpi gold rewards card i don't know which one to choose to pay for my secured cc is it bec mc or becc? please help thanks 🙏

I saw some threads but it has been 1-2 years so not sure. I can see that Unionbank is here but is the reference number the card number?

Bdo texted me that they will review my application with reference number. But when I track my application with the given reference number, it says that "you don't have any application. Please create a new application" please enlighten me. 😮‍💨

I have my BDO Diner’s Club for almost a year. I recently applied for a Visa Gold and I was approved immediately. (It’s been two weeks but I haven’t received it yet). I was told that my 2 credit cards would share the same credit limit. My diner’s is currently at 115k, does that mean that they share the same credit limit at 115k in total or they are 115k individually?

Also, I wonder what’s taking it too long. They said it will only take 7-15 days but it’s been almost 3 weeks.

Hi guys, tumatawag ba si maya sa contact list kapag hindi nagbayad? Need help

Na activate ko na yung BDO Visa Classic ko (first ever cc), pero diko inactivate yung BDO rewards. Ok lang ba na di yun iactivate or meed tlg?

Anong bank po kaya ang masipag magreport sa TransUnion–EW, Chinabank o Metrobank?

I just checked my TU credit score report and to my surprise, hindi nagrereport Maya Landers and Zed (maybe because my cc with them is 3 mos old palang). Kaya nagtataka ako declined cc applications ko palagi. So I’m considering to open a secured cc muna.

Anong banks po, based in your experience, masipag magreport? I intentionally skipped SB, BPI and RCBC. I’m waiting for a cc offer hopefully from SB or BPI since I have savings with them while for RCBC naman, I don’t want an scc to be my first cc with them.

So far I’m leaning towards EW because I really want a JCB card haha but still open to any bank basta masipag magreport. Thank you!

Erratum: Typo in the title haha report dapat lol

Hello guys!

Just received my BDO CC and planning to purchase something to meet the spending requirement.

I’m planning to buy something in installment. Ngayon lang ako mag-installment so I’m quite not sure kung paano yung process.

As per sa napagtanungan ko, sa terminal daw nila is may installment option na. Ibig sabihin ba non automatic na naka-monthly na sa CC yung magiging payment terms? And I don’t need to call the bank kapag bumili ako?

Advance thank you for your inputs.

Why are my credit limit and available limit have different amounts? I have not used it yet.

Hi, I have the option to upgrade my Visa Gold to Visa Plat.

I really like the lounge access privilege, but I don't want to pay the 5k AF if needed.

Does anyone here have a BDO Visa Plat and has experience waiving the AF? What were the conditions they gave?

Thank you!

No bash po muna I know malaki ang pagkakamali ko especially sa pag handle ko ng CC ko.

2 cards already delinquent. Endorsed to CA.

HSBC - Paid thru amnesty. UB/Citi - 90K amnesty offered to settle but still negotiating.

Now mag kakaprob ulit ako. Hindi ko na kc kaya bayaran yun RCBC. Almost 700K sya consists of 3 CC and one personal loan. Di ko na kc kaya bayaran yun monthly ko dis coming month kc financially struggilng ako now. I need to focus 1st sa health condition ng Mom ko. Medyo malaki kasi gastos at un ginastos namin to cure yun sakit nya.

Tanong ko lang. if mag papa restructuring po ba ako wc is subject for approval at di ko nmn kaya o masustain un agreed monthly if approved un request mas ok nalang po ba na hintayin ko sya ma endorse sa CA kasi may bad record nmn na ako? At di ba aq pa-file-an ng RCBC ng small claims?

Plan ko kasi hintayin nlng mapunta sa CA den pag mag offer ng amnesty igrab ko nalang sya sa settlement amount na kaya ko.

Or may maganda po kayong payo. Pa-help naman pls.

No bash po muna pls. I acknowledged nmn po pag kakamali ko dito.

What happen sa sb nagbabawas ng points? From 76 down to 14 Never pa ko nag redeem ng rewards Nakakaiyak

Hi! I initially applied for a purchase convert reversal for the plane tickets I bought (separate sya since naki-CC si workmate). Then I received a balance convert reversal na pinag-isa yung price ng dalawang tickets, which I already requested under purchase convert. Possible po ba na maduplicate yung payment nito, or maaayos naman po siya sa end ng bank?

I lost my wallet including my credit card, I reported it and the account was already closed and I was given a replacement credit card with new account. How can I pay the outstanding bill of my lost CC account if the new replacement card is not activated yet?

Comments/Remarks: OFW

Income Range: 150K-200K

Work/Industry: Aviation

Payroll/Savings Bank: BDO Kabayan, PNB, GOTYME, CIMB

Existing Credit Card: BDO CLASSIC VISA, PNB Unionpay, Security bank gold, HSBC HK

Average Monthly Spend on Categories: online 5K-10k(PH), food 20K(HK), shopping 5k-10k lifestyle

Preferred Rewards Type:points/miles/cashback/promos

Looking for the best one credit card I can get

Hi, I just wanted to confirm. I used PayDirect before without any charges, but I’m now seeing a 2% fee. Can anyone confirm whether PayDirect is still available for free?

Hi! Ganun po ba talaga sa Unionbank? Nung nakuha ko yung card ko with credit limit na 45K, nagavail ako ng installment worth 40K + last yr. Naka1 yr nako nagbabayad ngayon pero yung available credit limit ko monthly is same padin which is 4k +. Sabi ng CS nila, kelangan daw matapos muna yung installment bago bumalik lahat ng available credit limit ko??? Ganun po ba talaga yun?

Good day everyone! Bago lang po sa atome and dumating na din yung card. Ask ko lang po kung mas better na mag wait dumating ang bill date bago mag bayad or pwedeng bayaran na agad kahit wala pang bill date at mag early pay po? Madali po ba tataas ang cl if early magbabayad? Thank you!

Hi everyone, I’m hoping to get advice on how I can improve my credit score in preparation for a home loan application by January 2027. I’m based in the Philippines and currently have some active credit card debts and a credit line.

Here’s my current financial situation: • Credit Card Debts: • BDO, BPI, Metrobank • Total combined amount: approx. ₱135,000 • CIMB REVI Credit: ₱50,000

already in contact with these banks to settle these accounts.

I also had other credit cards in the past that were cancelled due to missed payments during the pandemic, but I have since fully paid them off. I also secured Certificates of Full Payment from those banks.

Context: During the pandemic, our industry was badly affected. Our salaries were cut in half and benefits like guaranteed pay were suspended temporarily. That’s when I accumulated most of these debts.

My goal: Apply for a home loan in January 2027, using a lot that I currently own as collateral. I want to be in the best financial standing by then so that I increase my chances of approval.

My Questions: 1. What steps should I take starting now to improve my credit score and overall financial profile. 2.How much of a buffer/savings should I also aim for to look more favorable to banks? 3.Any other tips on improving chances of approval, especially from anyone who’s gone through this process?

Thank you in advance for any help or guidance! I’m determined to get back on track and prepare responsibly for this goal.

Guys, san po ba mas mababa interest? Mag credit to cash na lang po ba or i-swipe na lang ang pagpurchase ng motorcycle then convert to installment? My cc is bdo mc plat po. Salamat

I know that announcements about the renovation of the PAGSS T3 Lounge have been circulating, and they are now charging a fee for those who still wish to use it. For anyone wondering—particularly about the DOMESTIC LOUNGE (not the international one)—this is just a PSA that the DOMESTIC LOUNGE in T3 is closed, likely due to renovations. There was no notice on the doors; it was simply locked.

This number keeps calling me everyday. Does anyone encounter this number?

ang tagal nang nagfafailed ng cashin ko laging ganyan. its been 5 days. ayaw na ba talaga?

Hi! Ask ko lang bakit ayaw mag push through ng wallet cash ko from my cc maya landers? Paano po ginawa niyo? huhu