r/PHCreditCards

I have existing quickloans/creditcard debt sa UB, babayaran ko siya thru 3rd party collector since may 50% off sila. Ngaun ang dilemma ko may paparating ako na cheque, pede ko ba siyang ipa-encash sa UB? Or ikakaltas na nila yun directly sa existing debt.

Thank you po sa sasagot

Dumb question. I got my old amore replaced with visa platinum and I have remaining installment payment in that old card from a furniture store. Should I notify the furniture store or will the installment plan automatically transfer to my new card? Thank you

Anyone email Chinabank for CLI with attached SOA from other bank and received an email to unblock cards to process evaluation?

Any thoughts? Experienced?

Hello! I have been having a hard time with paying my credit card bills. I wanna focus on my car loan since personal for business yun.

Is it recommended to email all banks that you need amnesty offers? Wait for collection agencies? What worked for those na nagka amnesty offers?

Also better ba sagustin ung spam calls? Or just wait for email offer.

Thank you for answering.

Called their customer service regarding sa undelieved CC ko, tumawag ako a minute ago but nung sinabi na ng agent na mag rerequest nalang sila ng bagong address kung saan pwede i deliver card ko bigla nalang naputol yung tawag. Tatawag ba ako ulit or maghihintay nalang na tumawag sila ulit sakin? Sa pagkakaalam ko kasi sila yung tatawag ulit pag na cut off bigla yung call. Naka pag load na akp ng 100 pesos for this

Help naman po im wondering kung ung hold out amount ba na idedeposit pede dagdagan anytime? Iba iba kaai makuha kung sagot eh.

Just want to share, one year na CC ko last February and wala akong Limit Increase. Nag request ako yesterday morning for CLI via CS nila. From 100k nag request ako ng additional 150k and then this morning when I checked my CC sa app naging 250k na yung limit ko. Amazed lng ako sa MB hahah kasi sa UB ko napaka damot sobrang damot ang baba pa ng CL ko. Kayo ba may experience rin ba kayo sa MB?

Na deposit set off ako kahapon     24k.   Langya walang paramdam..    anyway     way back like 12 or 15 yrs ago may bdo ako di ko na nabayaran   

Credit limit ko is only    20 to 25k max.     Ung ma seset off kaya sakin   ia that amount lang or pati interest pa ?? 

Has anyone experienced this with their metrobank cc delivery? My card delivery was supposed to be yesterday, but due to work reasons i was not personally there to receive so they marked my card as undelivered.

For those who have been in a similar situation, will they redeliver the card? And will I get a new tracking number or text from MSRV? Thank you for your insights on this!

I have always wanted a Metrobank World Mastercard because I believe that it fits my lifestyle. I've applied for that card specifically two months ago, and I was rejected. I don't wanna wait for a few more months to apply for it again and not have a guarantee of getting that specific card.

So, my plan is to get a secured credit card (SCC), provide the holdout amount into an online time deposit because as far as I know, that's 4% plus per annum. I don't have a problem with the holdout amount because I have that amount.

What I'm just wondering is if I could get an approval for that secured credit card, Metrobank World Mastercard, considering that I was just recently rejected for that card.

Is this a good idea?

Hi! As the title says, I applied for an RCBC Gold Mastercard CC in time for their NAFFL promo. But I got approved for a Black Platinum card instead.

Does this mean my spending requirement to avail the NAFFL promo increased? I specifically applied for Gold because I only need to spend a minimum of 40k but for Black Plat it's 60k.

Medyo nagwoworry ako kase ayoko sana lumagpas ng 20k-23k yung gastos ko per month.

Thank you po in advance sa sasagot!

Hi,

My account with UB is OD already and my debt has reached Php456k. However, a portion of this was galing sa fraudulent transaction which I disputed. My phone was stolen from me back in December 2023, but I was too late to report to UB kaya nagamit ng magnanakaw yung card ko. I disputed the transactions, but UB said they consider them valid kasi may valid OTP and blamed me for not reporting it sooner (malamang wala ako phone that time so I couldn’t report asap).

In the days after they refused my dispute, I continued to use my card with UB pero yung transactions ko lang binabayaran ko. Fast forward to today, lumobo na siya to the point na yung monthly ko was just for the December 2023 transaction, so I stopped paying. Now sabi ni UB they may endorse my account na to a collection agency. I want to refuse paying the entire amount kasi hindi naman siya sa akin. Any idea for next steps?

And additional background: I have Metrobank CC and auto loan with BDO. I faithfully pay both on time and in full. Good thing approved na pareho before humabol si UB.

i got my bdo visa classic and this is my first time having a credit card. any advice???

is there an annual fee? and for example hindi ko siya inactivate agad, is it okay or maeexpire siya??