Today i have seen my cibil score showing down by 60 points.
I paid my dues before 10 days of due date.
Received a mail from bank.
Someone pls tell me i need to report this or just wait till next month.
Can anyone please help me understand what my final EMI willl be?
Because if I go as per what the photo says, it will be 82000, but I only made a payment of 70000 and that is the amout that got decucted on my card right now?
I thought I made a full payment instead of NCEMI, but then I wouldn’t have availed the NCEMI discount of 7000
Its way too confusing!
Hi, Good day.
Ask lang sana ako anong magandang gagawin kasi I received a demand letter from BDO Credit Card.
I wasn't able to pay since June 2025.
For the context, I was diagnosed with Cancer on June 2025, had to undergo several treatments including surgery, chemotherapy and radiation therapy, adding here lots of lots of lab tests in between.
It drained my financial capacity. I have to stopped at work for my treatment. I had no work from July 2025-March 2026, so I have no salary.
I skipped and forgotten this card. Actually I still have other credit cards (EW and BPI) but I managed to pay them off, little by little, so accounts are active.
The credit grew From 55k+ to 89k+
What to do? Can I negotiate to them?
Hello po! First time UB user and cc holder here.
I applied for their UB rewards and got approved pero I’m kinda lost hahaha I received their sms but Idk what to do next dahil walang any instructions how to actually proceed. Send help!
Hello I just wanted to ask if there is any suggested solution to my problem.
I hav debt in my metrobank cc due for a year, and then the minimum payment has increasing now, not like on th previous year that is still 1000 only.
My problem is I have already applied the easy installment but failed to pay due to financial difficulty in our family. For now my salary wont be enought to pay it.
What happen if I fail to pay the minimum and can I still ask for the metrobank cc to help me to adjust in payment method?
Hi guys! I’m planning to apply for a Metrobank SCC even though I already have a regular credit card with BDO. My main reason is to establish a good banking and credit relationship with Metrobank and hopefully have the SCC converted to a regular/unsecured card eventually.
For those who currently have or previously had a Metrobank SCC, may I know your timeline?
• How long did it take from applying for the SCC to receiving the card?
• How long did you keep the SCC before being converted to a regular/unsecured credit card?
• Was the conversion offered by Metrobank, or did you have to request it?
• Did your credit limit stay the same after conversion?
I’d really appreciate hearing about your experiences. Thank you! 😊
Balak ko sana mag open ng SCC sa METROBANK. Ano pong magandang card na pwedeng secured credit card sa metrobank? May BDO VISA GOLD na po ako. Need ko lang talaga ng back up at para mag build ng credit score para sa future. 2 cards lang po ang gusto ko i keep.
Hi guys, long time lurker - first time posting.
I have begun my IDRP application with my lead bank, and I just got off the phone with the representative assigned to this case.
IDRP was recommended by a friend of mine to help me with my bills that were running over. The rep I spoke to on the phone mentioned that all CCAP banks will be contacted (so this excludes MAYA) and that it's up to them whether they will be included in the amnesty total computation.
I have the following active credit cards and their balances as of their last statements:
Current monthly income: P60-65k depending on the exchange rate
Previous monthly income: P110k to 120k
However, BDO is really not an issue and is current; BPI, on the other hand, is currently running me dry with its finance charges, and I am having to resort to using it for our electricity bills.
I lost my main source of income last December, which is why my payments have been unstable for the past 7 months.
I heard from the rep and from what I read here as well that the application can take a long time (some up to 6 months) and may be to no avail. Also, the rep mentioned that if I am approved, there would be a permanent "negative" record on my name (which I do not want because I see my situation right now as temporary, and I only need help).
I have not yet tried to apply for a restructuring from BPI or MBTC, and was referred to checking about IDRP by a friend who was previously stuck in a worse position.
TBH, hearing that made me draw back a little from my complete resolve before even applying.
So here are some questions that I have as a consumer (and were not answered during my call) :
If you have any anecdotes or stories to share as well, you're free to comment on them as well.
Thanks a lot!
Hi guys, ask ko lang if normal ba ito.
I’ve been using my credit card for around 3 months palang and ngayon lang ako naka-experience nito. After purchasing at S&R Waltermart San Jose City, Nueva Ecija, yung cashier asked for the last 4 digits ng CC ko and yung expiration date para daw ma-process yung payment sa system nila.
Medyo napaisip lang ako kasi first time ko ma-encounter na hingan ng last 4 digits of my card and expiry date after purchasing. Usually naman swipe/tap then okay na.
Normal procedure ba ito sa S&R? May naka-experience na rin ba nito?
Just wanted to check if this is something I should be concerned about. 😅
Hi po, badly needed your advice.
We got scammed genuinely believing na legit from EastWest yung cash back redeem link na in access namin.
The message was sent from the same thread sinisend ang SOA and the OTP's from when we activated the card.
The same day we realized we got scammed with amount of 190k tinawagan namin yung bank and they blocked the card right away, and provided us a new one. Pero our credit limit is already showing negative.
They did an investigation the transaction was made through TickMill and they said that we are accountable for this since we provided the OTP. This has caused us so much stress, the bank advised us to email TickMill directly, they're only reply was to contact our bank to block our card and that the recovery amount is subject to the outcome of the investigation and availability of funds and any further concerns regarding the unauthorized card usage should be addressed directly with my bank.
What's more stressing is the bank have now started getting an interest for that scammed transaction.
Please advise po what we can do with this.
Hi guys , just wanted to ask if anyone here have experienced their bdo online credit card application suddently disappearing? I have called their hotline and they cant seem to find my application with the given ref number
Thanks
Hi! Anyone experienced selecting the wrong credit card type when you applied thru Metrobank's website? I totally missed the option to select the card type which isn't what I wanted.
I started filling up my application but saw I got the type wrong. I tried changing it, but I don't have the option to do it. I haven't submitted my application yet, so I tried creating a new app. But the site is not letting me submit a new one, instead, continue with the previous one.
Should I just proceed with my application for the wrong card or call their support?