Having a hard time fulfilling the NAFFL requirement

Hi guys, so I just got my RCBC Flex Visa card, there's 30k PHP to get the naffl status but the problem is I don't know where to spend, I'm not a big spender; I also tried asking my friends/colleagues to swipe my card for cash transactions but no luck; I was planning to buy a phone (pixel 11 pro - Not buying it anymore) but my CL is just 16k.

Any tips other tips?

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u/RyleSabado — 2 days ago

Help me which card to choose as my first RCBC gold card

Hello, there's another RCBC NAFFL promo (No Annual Fee For Life Exclusive to Digital Channel)

I was planning to buy a new phone straight cash(?) so I'm planning to use credit card instead; Help me choose my first RCBC card (Flex Gold, Gold Mastercard, Gold JCB)

For my record; I currently have 2 credit cards:
Maya Black: Activated nov 2025 (13k CL)

BDO Visa Classic: Activated May 2025 (20k CL)

Thank you

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u/RyleSabado — 12 days ago

Unionbank SCC to unsecured

Hello po, nacoconvert po ba yung scc rewards visa platinum card nila to unsecured? Natetempt na po kasi ako mag scc but if possible gusto ko yung unsecured na card nila. Thank you po sa sasagot

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u/RyleSabado — 20 days ago

Unionbank SCC to unsecured

Hello po, nacoconvert po ba yung scc rewards visa platinum card nila to unsecured? Natetempt na po kasi ako mag scc but if possible gusto ko yung unsecured na card nila. Thank you po sa sasagot

reddit.com
u/RyleSabado — 20 days ago

BDO Visa Classic---pampahaba ng title

Hi everyone,

I recently got an email from BDO saying they're sending me a credit card based on the consent I gave back in December 2025. I really wasn't expecting it because my savings there have never exceeded 10k, and a teller previously told me I needed at least 50k to qualify.

I can actually already see the inactive card in my BDO app.

I'm currently happy with my Maya Black since it's NAFFL*, so I don't really need a new one. If I decide not to activate the BDO card, will I still get charged any annual or inactivity fees?

What should I do?
Thank you 😄

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u/RyleSabado — 3 months ago