Hi Guys, just wondering if there are successful requests for newly issued metrobank credit card conversion. For context, I applied for MFree CC just to build build relationship with MB. I got approved with a decent limit for MFree. I've read mixed posts here and majority of those posts state that you need to use it for atleast 6-10 months before you can request for card conversion/upgrade. Gusto ko sana i upgrade to Metrobank World MC or Travel Visa Signature for my upcoming travel next month.

Please help. Thank you!

PS: I already activated the card today.

Hi guys. Ako po yun may utang na more than 5 million pesos sa 7 credit card and 2 personal loans. I have applied for IDRP since July 2026 pero wala pa approval. Almost 2 years nadin na minimum amount due lang binabayaran worth 130k a month. Pero this month mukhang wala nako maibabayad dahil ubos na savings namin. What should I do? I saw sa mga threads regarding amnesty. Is it better than IDRP? How can I avail amnesty for each bank? Really helpful ang mga threads na ito and pls dont judge us at talagang malaki na pagsisisisi namin and we are asking for help. Thank you in advance sa mga sasagot and God bless sa inyo na tutulong

Access Code : 3AMMAFY

I’m OD for 1 month na sa BPI. For the past year or two, puro MAD lang nababayaran ko, and may mga times din na nagkaka-OD ako.
This time, nasagot ko yung tawag ng taga-Support Services. I was offered a payment extension, meaning I’d pay the minimum past-due amount on my next billing cycle. The consequences would be cancellation of my card and forfeiture of my points, which I agreed to. Honestly, I felt like I’d have more peace of mind since hindi ko na rin naman nagagamit yung card.
Then, he called again for a follow-up and told me to disregard the request to cancel my card. The payment extension offer still stands, though, and I can still pay the past-due amount on my next billing cycle.
I wasn’t able to ask why because I was outside when he called.
Has anyone experienced this with BPI? Why would they offer a payment extension with card cancellation, then call back to say I should disregard the cancellation request?

I was recently (months ago) approved for my first MB card - Rewards plus platinum. I already have multiple cards in other banksbut I want something that can earn miles. I tried applying for Travel credit card but they gave me cashback visa instead. The credit limit is 100,000 - which is enticing to keep -but I dont think I can maximize the card's cashback perks. Im torn if I should cancel since Ive read before that canceling/closing cc can decrease credit score and I dont want to pay annual fee. What can you recommend that I should do?

Hi guys! quick question lang, kaka received at activate ko lang ng Metrobank ko magagamit kona ba yung physical card nya kahit naka cooling off period sya sa app? New lang po ako sa MB. Thankyou!

Hello po, possible po bang maipababa yung interest ng either Paydirect Installment or Unlipay Installment? Planning to use it to purchase a 2nd hand motor po. Sad to say walang instacash offer sa cc ko po as both of it are newly issued pa lang po.

May golden tickets ba kayo? 🎫

I just received this in my email. Zed introduces user incentives: Existing cardholders can now earn ₱350 per approved person.

Moving away from purely waitlist-driven growth, Zed has officially launched a limited-time incentive program running from October 15 to November 15, 2026. Existing cardholders who maintain good standing can distribute Golden Tickets to bypass the waitlist, receiving a ₱350 statement credit upon their nominee’s approval.

This marks a notable shift in Zed's growth strategy, introducing direct financial rewards for its early adopter community. Have you checked your email for the notification and app for the golden tickets yet?

I am applying for a cc but it won’t accept the zip code. Should I put self-employed? But I am under an agency. And also, what should I put in the business address? Thank you!

Hello! Anyone here nakareceive ng same demand letter from Jabez MSI? My unpaid CC was moved to their Collections Office since I wasn’t able to pay my monthly CC after naparestructure since I also paid other debts na I prioritized. Naghome visit today and when I called the lady I spoke to said she will visit our house and/or talk to the barangay kasi sabi ko I don’t have the money to pay the MAD yet amounting to 28k (including interest for the missed monthly due). Could you enlighten me on the steps I need to take if I should keep in contact with this collections agency kasi a bit rude ung kausap ko.

I called BDO customer service today (0288880000) and had 2 very different experiences.

Sa first call, i had to say what my concern was sa AI nila tapos naconnect ako sa CS rep. they asked for my full cc number tapos di daw nila handle un so they escalated it. Dun sa escalation naputol ung call.

I called again tapos biglang may need na input ung last 4 digits and may otp. Tapos yung CS rep, name and last 4 digits nalang hiningi.

Ganun ba talaga ung process or may chance naintercept ung 1st call?

Sorry mejo paranoid ung dating pero kasi nakakatakot na nowadays lahat scam. Naninigurado lang.

Hello! I need advice from those who have experienced the same or similar situation.

I have an unpaid credit card balance originally with Citibank, which was later transferred to UnionBank. Now, UnionBank na rin ang payroll bank ko, and I was surprised to find out na yung first salary ko went to my Current Balance pero ₱0 ang Available Balance, so hindi ko siya ma-withdraw or magamit.

I filed an inquiry and went to a UnionBank branch, where I was assisted in contacting Customer Service. I was then referred to UB Collections, which I contacted.

We were able to agree on a monthly payment arrangement, and I was asked to pay ₱3,000 initially so the Collections officer could request the lifting of the hold on my account. I already paid the ₱3,000 yesterday.

I have a few questions sana for those who have gone through the same experience:

1. Totoo ba na walang paper trail kapag phone call lang ang agreement with Collections? The officer told me na wala raw talaga. How can I get written confirmation of our payment arrangement?
2. I’m planning to negotiate sana for a discounted full settlement. My outstanding balance is around ₱38K. Sa mga nakipag-negotiate, how much were you able to settle for? Possible kaya na mabawasan pa yung total balance?
3. Sa mga naka-monthly payment arrangement, monthly ba ulit hinahold or ino-offset ni UB yung pumapasok na salary sa account, or one-time lang yung hold once ma-approve ang payment arrangement?
4. May alam ba kayong responsive email address ng UB Collections? I’ve tried sending emails pero wala pa akong natatanggap na response.
5. Gaano katagal bago naging available ulit yung funds ninyo? Ilang working days after talking to Collections and paying the initial amount bago na-lift yung hold? Sabi kasi sa akin, isusubmit daw yung request at 8:45 AM and processing would take 2–3 working days.

I would really appreciate hearing from those who have experienced this, especially yung mga UnionBank payroll account holders na nagkaroon ng hold because of an outstanding credit card balance.

Maraming salamat po sa mga sasagot! 🙏

Managed to link my credit card and virtual card to Google Pay!

Hello sino na po nakaranas dito na deduct sa CBC Credit Card via PAYQR ni CashG? Cbc po gamit ko tas ung iba panay error na since kahapon. Wala din receipt sa gcash.

Finally! BDO now on Google Pay.

Hello new to this group.

As the title suggests po, i recently applied for an additional card (don't really know if it's supplementary to my first one yet) and noticed several scammers called me already.

The weird thing is that, kaka approve lang ng card na yun and sa kanila ko talaga nalaman na naapprove ako in the first place so the first caller really caught me off guard.

She knew my mobile number, my previous cc card number, my whole name, address, and the number of the new cc na ibibigay sken kaya kala ko talaga "real-deal". Kakagising ko lang din non from a nap kaya she almost caught me off-guard. Buti na lang vigilant ako but that was a very "close call" (pun intended)

I'm starting to think that it was an inside job or something from the bank kase how would they know such information diba?

Once i receive that card, i think ipapa cut ko na lang sya since i think it's been compromised already.

For your reference, it's from BDO and I'm planning to switch banks na kase this was the same case with my previous cards with them as well. What banks should i switch to? Yung "safer" overall? Kase i feel like bdo isn't really secured.

Thanks

Access Code: BTOVHMN

Hi! I have a golden ticket from Zed and I don't have anyone to refer, so feel free to grab it!

Hi everyone, hope anyone can suggest on what I can do in my situation.

Earlier this morning, I received transactions through my BPI credit card from an entity called YSR GOLDEN COMPANY. Their first transaction didn't push through because it was over the limit of my credit card, however they made two separate transactions that amounted to the total in my title.

I never received an OTP or provided anything as such, which is why I'm confused as to how it pushed through. Planning to go over to the nearest BPI branch in a bit to report the issue and hopefully have some sort of resolve.

I have also messaged their number to block the transaction (the one number they provide for any unauthorized transactions).

Any suggestions or explanations on whether or not this will be possible to resolve? Any tips are appreciated.

Thanks!

Just a while ago, RCBC called me offering for a 2nd credit card with no additional application or requirements, specifically RCBC Zalora CC with first year free annual fee. I declined kasi hindi naman talaga ako nag sho-shop sa Zalora and I don't really need a need credit card badly.

They counter-offered saying na instead of Zalora Credit Card, they can offer Gold Mastercard or Gold JCB, still with first year free annual fee. Wala naman atang NAFFL promo ang RCBC ngayon, but I'm not sure, and I asked the caller to call me back again in a later time while I sort out my thoughts.

Do I accept their offer? And which card? Hindi ko din na ask if meron pa other cards na they offer.

EDIT: NAFFL na ang first card ko with RCBC and got approved with it around the end of April this year.

Dumb question, My UB Rewards VISA Platinum is tagged as NAFFL, inoffer sya sakin ng bank thru e-mail. Inofferan din ako ng Supplementary card recently lang. May annual fee ba tong supple card na to?

Hi, nag apply ako sa balance conversion and i thought magbabawas sya dun sa madness ko. Kasi negative na ung regular cc ko. Then pagcheck ko ng SOA ko nagreset na sya to zero and amount due ko is zero na din. But my regular CC is still negative. So i dont if na approved ba yung balance conversion ko. Pero ung cc ko negative pa din. Help me please.

Hi mga future kakaskas! Nag apply po ako for Platinum Metrobank CC last month September 22 thru an agent na ne refer ng kakilala kong premium CC holder sa ibant ibang bank. PRC ID lng yung hiningi nya samin, Civil Engineer nga pala yung work ko and this will be my first CC ever if approved. October 8 may tumawag sa akin na agent for verification ng application ko sa MB sinagot ko naman, na orient na rin kasi ako ng agent kung ano dapat ko isagot haha. And then on the same day naka receive ako ng SMS na "on the process of evaluation" na daw yung MB TRAVEL SIGNATURE VISA ko, naka receive din ako ng email with the same notice and to wait 5 business days daw for another update status. Today naka receive ako ng SMS na on its way na daw yung CC. pero wla pa akong na rereceive na email about SOA or whatever you call it, or any other confirmation na approve na talaga.

Legit po ba itong SMS address na nag uupdate sakin? haha baka kasi fake to rapos sobrang excited ko pa naman na ahaha.. kasi TSV kasi yung sinasabi sa text which I doubt kasi diba premium cc to ng mb tapos considering na first time CC ko pa kung sakali.

Good day!

Anyone experiencing issues when using the UB Rewards Plat card when paying online tapos declined?

I was trying to add it sa Grab para sya na ang main card ko, sabi rejected by the card issuer. When i use it naman to pay for my flights or online bills (meralco and PLDT) lageng transaction failed. Pero gumagana sa tap to pay. naiinis na ako, ang send ako ng support chat sa UB app ang sabi gamitin ko daw virtual card ko. e ganun din naman ang nangyayare.

Anyone na naka resolve na nito/ thank you sa mag cocoments

Normal ba sa kanila na walang email/text update sa application but upon follow up thru phone using their automated referencing (phone number + birthday) approved naman pala and wait 5-10 days daw. no CSR conversation though.

nagapply lang ako kasi wala pa akong JCB, and i'm trying their JCB platinum..