r/CreditcardPh

Hi everyone,

Looking for advice saan maganda mag apply secured credit card?

For context I have maya black for 10 months now, it's a unsecured one, maybe cause I have maya for a while now. And atome for a while na rin

So currently I'm a working student, earning 30k+ monthly, and graduating too.

It's just for some reason I tried applying for regular cc so traditional banks but I've been declined TT... I guess maya black doesn't contribute sa credit score ko huhu

Anyways planning to apply na lng ng secured credit card sa traditional bank, I'm thinking Maybank...

I know I should try metrobank or Unionbank etc for my first cc, as these are ano tlga it's just, I'm hoping na wag muna sa kanila since di ba like may promo or smth sometime that if it is your first cc sa kanila you can have some perks smth.

So what's your thought sa Maybank? Planning to do 20k deposit secured cc... Or should I go pa rin ba mag scc sa like mm, union, or bpi etc?

Hi everyone. I’m looking for advice from anyone who has dealt with something similar involving BDO, unauthorized credit cards, or BSP complaints.

BDO deducted ₱16,646.2 from my deposit account through a “deposit set-off” to supposedly settle a BDO ShopMore Mastercard ending in 6100.

The problem is:

I have never owned this credit card.

I never applied for it, authorized it, received it, activated it, possessed it, or used it.

I formally disputed the credit card account and the deduction with BDO and asked for the full ₱16,646.22 to be returned to my account.

BDO initially replied that my refund request had been endorsed to upper management but was declined. They said the money was used to fully settle “my BDO Mastercard” and cited their Terms and Conditions allowing them to set off credit card debt against a BDO deposit account.

I replied that this completely misses the issue.

I’m not disputing whether BDO can perform a set-off against someone who legitimately owes them credit card debt.

I’m disputing that the credit card was ever mine in the first place.

I asked them to provide documentation showing how this card was supposedly opened under my name, including the application, IDs used, registered contact information, delivery/activation records, transaction history, and their basis for linking the credit card to me.

Their latest response was:

“We assume that proper KYC has been established.”

This is what concerns me the most. They took ₱16,646.22 from my bank account, but when I dispute ownership of the credit card, their response is that they assume proper KYC was established.

I have now asked them to verify the KYC records instead of assuming and to show the documentary basis proving that I personally applied for or authorized this credit card.

My main goal is simple:

I want the full ₱16,646.22 returned because this is not my credit card and I did not incur this debt.

Has anyone experienced something similar?

Would you recommend escalating this to BSP at this point, or should I wait for another formal response from BDO first?

Also, if anyone has gone through a BSP complaint involving an unauthorized credit card/account or wrongful set-off, I’d really appreciate hearing how the process went and what documents I should prepare.

Thank you.

Planning to upgrade my Chinabank Freedom MC to
Home VISA? Possible po ba?

Sa mga CB Home Visa user diyan, gaano kabilis maredeem yung cash back na 5%? and applies to all transactions po ba yun? with no minimum spend?

Thanks po sa sasagot.

I have 3 rewards card (BPI basic, UB Rewards Visa Platinum and MB Rewards Plus Visa Platinum). I realized that UB and MB has no access to lounge. I could have aimed for UB Miles for NAFFL. Can anyone enlighten me regarding the best CC for travel? Thank you

Hi, I just got my UnionBank credit card on August 2, 2026, and this is my first credit card. My credit limit is ₱15,000, and I used ₱14,300. I paid ₱15,000 through the BDO app on August 14 at 4 AM.

My statement date is August 14, and my due date is September 1. Is it okay that I paid before the due date? Will this affect my billing cycle or SOA?

Also, the payment hasn’t reflected in my UnionBank account yet. How long does it usually take to post?

Hi, please recommend me a good NAFFL card na mabilis tumaas credit score para makakuha ako ng cc for miles since I like to travel. I have a bdo gold supplementary cc and savings sa BDO. I’ve tried ung sa maya black but ayokong mag deposit ng 12k. The best advise for me is to work na lang daw muna ung credit score ko but idk what cc na may NAFFL na kukunin. TYIA

About me: single and earning 30k+ per month

30F may cc debit from 2023. Originally umabot ng 40k ang utang ko. Then nakabawas ako naging 32k nalang ang principal since last year. Pero naging 88k ngayon dahil sa mga penalty at interest. Nawalan ako ng access sa account ko dahil nawala ang phone ko. Nung Thursday nagpunta sila sa bahay, nakausap ko sa phone yung officer. Sinabihan ako ng magbayad atleast 5k today until tomorrow then monthly ko 8k for 6 months ang sabe ko susubukan ko po kung hindi, sa korte nalang daw. Hindi ako nakabayad ng buo, 1k lang nabayad ako kinabukasan. Sinabihan ko sila ng gabi na na I was unable to collect the exact amount and 1k lang ang kaya ko and requested na kung pwede within this month babayaran ko yung kulang and move yung monthly ko every end of the month instead of every 15th. Then nagreply sila kinabukasan na terminate na yung agreement namin. Ano po kaya ang dapat kong gawin? Gipit din kami ngayon, namatayan kami and until now nagbabayad kami din ng mga utang from gastos nun esp na ICU sa hospital. Ngayon umaasa lang kami sa small business at nagpapaaral pa ng bunsong kapatid sa college. Searching pa din ako ng wfh na work kase ako lang pwede na kasama ng mama ko na nagmemaintenance. Paano po kaya to? Natatakot ako baka puntahan nanaman nila ko sa bahay tas may kasama na silang mga pulis.

Paano kayo nagpapa waive annual fee kay BPI? May viber phone number pa ba sila sa customer service or create ticket/ punta sa branch? Consistent naman ako sa payment. Lagi rin full payment. Sayang naman kasi😅🤘

First time receiving an RCBC credit card — safe ba ang delivery process?

Hi everyone! First time ko kasi maka-receive ng RCBC credit card, kaya medyo cautious lang ako sa delivery process.

Gusto ko lang malaman sa mga nakatanggap na ng RCBC card:

• Gaano ka-secure yung delivery process nila?
• May proper verification ba bago i-handover ng courier yung card?
• May naka-experience na ba ng suspicious activity or unauthorized transaction after receiving their card?
• Possible ba na ma-compromise/ma-clone yung card habang nasa courier, or unlikely naman dahil kailangan pa itong i-activate?
• Ano yung recommended precautions kapag dumating na yung card?

Nagtatanong lang ako kasi may mga napapanood akong balita tungkol sa courier/rider na allegedly involved sa credit card fraud, kaya gusto ko lang maging extra careful.

First time ko kasi magkaroon ng CC, so any advice or actual experience would be appreciated. Thanks!

30F may cc debit from 2023. Originally umabot ng 40k ang utang ko. Then nakabawas ako naging 32k nalang ang principal since last year. Pero naging 88k ngayon dahil sa mga penalty at interest. Nawalan ako ng access sa account ko dahil nawala ang phone ko. Nung Thursday nagpunta sila sa bahay, nakausap ko sa phone yung officer. Sinabihan ako ng magbayad atleast 5k today until tomorrow then monthly ko 8k for 6 months ang sabe ko susubukan ko po kung hindi, sa korte nalang daw. Hindi ako nakabayad ng buo, 1k lang nabayad ako kinabukasan. Sinabihan ko sila ng gabi na na I was unable to collect the exact amount and 1k lang ang kaya ko and requested na kung pwede within this month babayaran ko yung kulang and move yung monthly ko every end of the month instead of every 15th. Then nagreply sila kinabukasan na terminate na yung agreement namin. Ano po kaya ang dapat kong gawin? Gipit din kami ngayon, namatayan kami and until now nagbabayad kami din ng mga utang from gastos nun esp na ICU sa hospital. Ngayon umaasa lang kami sa small business at nagpapaaral pa ng bunsong kapatid sa college. Searching pa din ako ng wfh na work kase ako lang pwede na kasama ng mama ko na nagmemaintenance. Paano po kaya to? Natatakot ako baka puntahan nanaman nila ko sa bahay tas may kasama na silang mga pulis.

Hello. I need help po if paano po magpa approve ng cc. Need ko lang ng secondary cc from other bank. I have BDO VISA GOLD pero hindi ako ma approve sa ibang card. Always before due date ako nagbabayad and may healthy ADB ako sa bank ko. Thank you!