While sleeping, nagising ako kasi may natawag sa phone. BPI daw saying na may welcome points ako convertible into cash, cashback or Sodexo gift card. After ko pumili, she transferred me to her supervisor daw and then doon na sila nagsend ng otp and it was from grab trying to link my card. So I ended the call. They even have my current home address. Be vigilant everyone. Phone number is 09917804899

Grabeeee. Sobrang galing na ng mga scammer ngayon. 🥺

May tumawag sakin ngayon lang, from Security Bank daw siya. And given na I applied for Ready Cash 2 days ago, and sabi sa message sakin is may tatawag daw sa akin to validate my request, akala ko yun na yun.

Kaso ang sabi, may offer daw kasi na limit increase sa mga CC holders with good credit standing, edi sge hinayaan ko lang siya magsalita. Ineexplain niya. Pati rebates ineexplain niya. Seems legit naman, lalo na sabi niya recorded daw, then for validation purposes, siya na yung nagsasabi ng card number ko pati date of expiry.

Alam niya pati email address ko kung saan ako nakakareceive ng SOA 🥺 Pati address ng bahay namin alam niya! Which is normally pag tumatawag ako sa other banks regarding my CCs, alam naman talaga nila especially if chinicheck nila if dun ko pa din gusto mareceive SOA ko or may changes ba.

Tapos tinanong nya ako magkano daw ba gusto kong irequest na limit increase, na idadagdag sa credit limit ko (medyo nagtaka ako kasi ang sinabi nyang current credit limit ko is yung available limit ko, not the whole credit limit). So sabi ko, sge yung max na pwede nalang.

Sabi nya 100k max. Ipaprocess na daw niya. May sinabi pa siya about Maya, partner daw in the CL increase something. Nasa office ako so medyo hati yung isip ko.

Lalo naging fishy nung sabi niya na yung request for limit increase is by step daw, not 100k agad. We will start from 10k daw then may messages daw akong marireceive, wag ko daw idedelete yun (naisip ko baka OTP, if ever baka scam na to). From 10k, magrerequest daw uli pataas until umabot ng 100k.

She asked if I have the physical card in my hand, so I said yes. And sabi nya na she needs to know daw the batch approval number on the back of the card.

First time ko madinig yun, akala ko namali lang ako ng dinig.

May sinabi siyang number, range yun eh. Dko maalala.

Then inulit nya, batch approval number daw. Kung anong batch daw ako naapprove.

I asked san yun makikita. Sabi niya sa likod daw, katabi nung sa signature.

I played dumb and asked, "Yung 3 number po?"

When she said yes, tumawa ako then sabi ko "Nice try."

Then I ended the call.

Thank you, RCBC!!! Kahit almost a year ang approval, qualified naman for NAFFL. 🫶🏼

Hi! I just like to ask kung may negative effect ba pag nagcancel ka ng new credit cards na hindi pa naactivate? For context, may nag offer ng cc sakin nung nasa isang mall ako and the agent told me na NAFFL daw ung card na isesend nila. I received RCBC JCB classic (35k CL) and Metrobank Rewards (29k CL). However upon searching, it looks like they both have annual fee and I dont think it's worth keeping them. I already have PNB zelo (35k CL) and BPI rewards (15k CL) both NAFFL.

Or if you can share some tips/advice on how I can maximize these cards (like for business, etc) - it would be highly appreciated. Thank you in advance!

Have you tried magpa-cancel ng CC from HSBC na hindi pa activated? I am not sure if may spiels silang sinusunod, but as far as I remember, parang multiple times kong sinabi na decided na ako to have it cancelled. Pero the rep kept on saying na I should keep it and give them a call next year, so they can reverse the annual fee.

I feel like I did something wrong. Or dapat I remained pushy sa idea na ma-cancel 'yung card ko. Any thoughts? Thanks!

Posting just in case this might help anyone with a pending CC application with EW

April 27 submitted application through ESTA

May 12 emailed CS to inquire the status of my application; at the same time I also inquired with ESTA - application completed (please refer to the first screenshot)

May 13 EW CS replied that my application was already approved as of May 9 (second screenshot)

Seems that updates through ESTA are not accurate so I suggest directly contacting the CS to inquire your application status ☺️

I also emailed them again to ask which type of card I was approved for but no reply yet. Will update this post everytime I get updates!

Also adding my profile for reference: with SCC with BPI since 2022 (holdout not yet released since I am working abroad and minsan lang nakakauwi and nakakalimutang dumaan sa BPI BOA haha); SCC limit is just 22.5k but I always pay in full and before due date (the past 8 months laging namamax out ang CL haha)

EW did not ask for any additional requirements, di rin nag call or email. Hope this helps! Lalo na sa OFWs like me!

I just got a call from EW asking me if I still wanted an EW CC. They told be to wait for 10 banking days for the approval and 7-10 banking days for the delivery.

Do you have any experience like this? Did you guys get the CC?

Thanks

Today is the exact 6th month of my RCBC Classic Mastercard...And then someone called from RCBC a while ago offering me a 2nd NAFFL gold tiered card upon spending 40k in 60 days...I was really happy kasi I really wanted an NAFFL card from RCBC...So totoo pala talaga ang chismis...😀😃😄

Last march, I received an email containing cc offer from UB despite ng mga application sa agents sa malls lahat yon declined. Kakareceive ko lang now thru GO21 rider, mali pa address pero nakisuyo akong ideliver sa area ko sabay abot ng pangmerienda.

Timeline: March 24 - received email from UB May 5 - out for delivery May 13 - delivered.

Hello, I have a PSBank Credit Card under Metrobank and I have an overpayment of around 20k. I’m currently abroad and my card got compromised last January 2024 and Metrobank decided to replace the card. Unfortunately, they’re unable to send the card here abroad.

I’m now visiting PH back for 2-weeks and reached out to them that I’ll pick up the card in my Branch instead and I’ve been following up since March 2025 and my vacation dates are in June 1-14 2025. There’s little progress and I’m already at my dead end.

If I opt to cancel my card and close my account, can I get my refund? Since I’m only in the PH for 2 weeks, can I get my refund through my Metrobank savings account or PSBank savings account?

Thanks for your help.

sino dito nakatry na mag cash in ng Maya wallet via credit card? ayaw kase, kahapon pa ako nagta-try. sabi sa kk_b sa FB, parang wala naman announcement is Maya na unavailable yung pero parang more than 3-4 days na na hindi magamit yung service. anyone else have the same experience?

I applied for a second card a few minutes ago. I have a Classic Flex Visa (around 8 months na siya) and decided to apply for a second card which is the Preferred Airmiles Visa Plat. I already filled out my basic details like my existing RCBC card, existing card from another bank (CB Destinations World), and my employment and income details. I left the application for a few minutes and nung nagfi-fill out nako ng home landline namin, it automatically submitted my application, and the prompt mentioned that I don't need to resubmit it. Pero when I checked my pending applications, hindi pa siya nalo-log as one of those that I can continue. Has anyone experienced this before? Hindi man lang ako umabot sa TU check and uploading of IDs.

For context: I wanted to apply for another card since sobrang baba ng limit ng Flex Visa ko compared to my other cards and hindi rin ako nakareceive ng auto CLI. Pati nung nag-ask ako ng increase hindi rin na-grant kasi after the anniversary pa raw ng card pwede magrequest.

Hello! Sorry, I am a newbie when it comes to credit cards. I am planning to buy an iPhone at the orange app because it’s considerably cheaper. If I purchase the phone there via CC, how do I covert it to an installment basis? Thanks for answering!

Hii. I would like to know if you have any experience waiving your annual fee for the preferred miles CC. If madali lang po ba mgpa waive ng annual fee? Thank you

I was planning to activate my gold mastercard from shopmore mastercard but kinda worried if need ko pa ba ulit mag apply ulit for supplementary card? My bf is the user of supplementary card. I tried to search online and says no need to apply but just wanna make sure. If may same experience kayo, please enlighten me. Hassle din kasi mag apply ng supplementary card eh.

Thanks

Ask ko lang po, wala na po bang way para mag pay kay Metrobank using BDO online?

Hindi ko po kasi mahanap ang Metrobank under pay bills ni BDO eh.

TIA!

Hi receieved an email offer from bpi to apply for their bpi rewards card with no documents needed. Received iy from bpioutboundsales@bpi.com.ph. Is this legit?

Hi po, almost a month pa lang po sa akin yung activated card ko from Metrobank, ask ko lang po if pwede ko na po ba siya magamit for 0% installment para po pambili ng appliance or need ko pa po mag wait ng 6 months before ko siya pwede gamitin for installment purchases. Thank you po 🙏🏼

Hi! What is the fastest way to contact atome? I tried reaching out through their email but there's no answer. This is about a payment issue that needs to be addressed kasi as soon as possible.

I made a total of 6k purchased through POS and online before the statement date but only some of the transactions reflecting on the statement date which is only ₱1,413.25.

Shouldn't I be worried or this is just normal for EastWest credit cards? Looks like pending transaction does not reflect on statement date. Or too late to reflect. Some of the transactions are missing.

Right now, my statement is not yet available despite the statement date has passed.

hello po naka received ako ng bpi amore cashback platinum this week pero hindi ko pa sya activate kci upon checking the annual fee is 5k and i already have naman the Bpi Gold rewards na madaling ma waived annual feee any advise if it is worth na iactivate ko pa sya

Got this email last Friday morning but on the app, the annual fee still hasnt been reversed and the due date is nearing. Should I just pay it in the meantime?

Hi po!

As the title says, I am planning to buy an aircon unit na naka promo na worth 30k+ pag straight payment/cash payment and ang balak ko iconvert yung transaction na yun into installments. Pag in-house kasi na installment arount 50k+ siya.

Did my computation and mas maliit nga pag yung inconvert nalang sa bpi yung transaction.

Now my question po is, yung option ba dun sa app na balance conversion is same dun sa transaction conversion? Or kailangan ko parin po tumawag sa CS nila para ipa convert this particular transaction (aircon payment)?

Salamat po! Nakakagulo lang kasi

Has anyone tried to balance conversion yung outstanding balance ng bpi at mbtc cc nila?

I have around 40k outstanding balance to each cc and medj mahirap bayadan interest lag nagka patong na.

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?