r/CreditcardPh

Hello pips, need your advice. Currently may promo si bpi VISA SUMMER SHOP ANYWHERE

200k ang spend pra maka kuha 5000 GC.

now I'm planning to use my CC to pay for tuition, however 35k lang limit ko. I will pay 200k for tuition. is it okay na mag process ako payment sa cc pra mag over credit limit . then pay staggard 35k until I reach 200k. possible ba ma decline ang mga susunod na payment baka kse ma flag as multiple transaction? or would it work as 1 time payment 200k since may excess limit na? (Which I doubt could happen)

ur insights please.

I applied for a credit card sa BPI last week and today may tumawag na agent.
Tanong ko lang, wala ba silang copy ng application form before calling? Or they’re just cross-referencing their questions sa nasa application?
Also, why are they so rude on the phone? Like at the end of that interview process, nireview nya lahat ng info (and keep mispronouncing my name ang last name even though I kept correcting him during the call). Tapos may kinorrect ako na company name kasi mali nasabi nya so I spelled it for him then he goes “okay maam bye” then dropped the call.
Like what? And I am pretty sure maayos ako kausap, hindi ako naging bitchy or what. Napaka unprofessional.

Baka meron same experience sa akin dto. Nagbayad ako ng full payment sa unionbank ng april28. Ang sabi sakin ng collections head office waiting n lan aq sa certificate via email. 1st follow up ko ang cnbi sakin na send n nila sa email ko ng may11. Pero khit isa wala lumalabas sa email ko na galing from unionbank. 2nd follow up ko sabi sakin already sent n daw ng may18 pero wala tlga khit anong UB email aq na na rerecieve. Nagpa manual process n din ang agent sa collections pero wala pdin tlga. Bukod tangi ung email ng UB ang wala. Ginawa ko na lahat ng pagcheck from create filters, advance search wala tlga email na pumapasok sakin.

Got a text from Chinabank that I'm eligible to get the card, but I need to head to a Landers branch first. Has anyone else gotten this text? Also, are they quick to approve/deny?

Applied for the card before (I think? Basta yung inaalok sa Landers before pa), and did not get a response. I chalked it up to me being denied.

Hello ka-OP! Tama ba yung ginawa ko pina cancel ko na yung CC ko sa BDO kasi: 1. Di ko nagagamit 2. Monthly annual fee 3. Nakakatrauma na talaga umutang lalo na sa panahon ngayon lahat tumataas pati interest. 4. Ang hirap i-manage lalo na ang daming bills

Sa tingin okay lang ba yung ginawa ko sa pag cancel? Thank you!

Hi, mahirap ba mag apply kay unionbank ng cc? tried multiple times laging declined, usually di ko na inaalis sahod ko sa bank na yun to maintain above 50k balance para sana madali ma approve. any tips?

I got a text message from UB that I am eligible sa easy an that purchase, so I converted my purchase and requested for it yesterday. Today I got an email that they rejected my request. I applied again via the UB App. Is it because my card was locked when I requested for it? Please need help. Thanks!

Hi! I’m turning 21 really soon and I’m planning to get my first CC from BPI. I’ve had a savings account with them for a year now.
I’m wondering if I can use this to purchase an Iphone (considering it’s a big purchase), for 0% for 24 months? I don’t know kasi if there’s a limit kung first time. Also which BPI cc do you recommend? Thank you po.

hello po, i currently have 5 active credit cards with up to 1m total limit. i once was earning 6digits per month kaso things happen and im only earning 26k fixed monthly. 2 of my cc's are currently maxed and i only have up to 350k total available limit right now. meron ba kayong ideas on how i can maximize my credit limit to help me alleviate my balance with the other ccs? currently naka installment po yung balance ko and im paying 24k+ per month. i really need help, pleasee

I have several credit cards from various banks, all in good standing—no missed payments, always paid full and paid upon arrival of the SOA. I am never late. I also dont have any record of debt whatsoever wherever.

My highest CL is 800k in one of my cards.

But Metrobank has been declining me for four-five times now (after reapplying again after six months).

Just really want to get the Metrobank Travel Visa Signature.

What could the reason be? May taga MB ba rito? Hehe

I just found out that my boyfriend has overdue credit card debt, as well as an outstanding balance with Billease, an online lending app. I do not know the exact amount because the letter sent by BDO Unibank regarding his credit card did not indicate the total outstanding balance.

Based on what I know, these debts may have originated as early as 2024. His father is a dialysis patient, and he has been the family’s breadwinner for a long time. There was also a period in 2024 when he became involved in online gambling through 1xBet. I was unaware of all of this. If my understanding is correct, the amounts may have grown significantly since they have been outstanding since 2024.

He has not yet received the letter because we are currently not in communication.

Questions:

1. Do BDO Unibank and Billease allow: >Reduction of interest and penalties >Installment payment arrangements >Suspension of further interest charges
2. What should be his first step?
3. How can I help?