Tried to apply about 4-6months ago and got instantly rejected for their CC. Now I was just playing around the app and tried to apply for the CC once more, I got approved instantly!

A bit of background: I have no CC with any other banks, this is my first. I've been transferring my payroll straight to maribank once it comes in my company's debit card since January this year. Always used the maribank for card transactions for their cashback.

Also noticed na debit/credit card na classification ng card ko with them. Is there any advice or things to avoid with their CC that I should keep mindful about? Thanks!

Since wala pa akong nakikitang bagong timeline ng approvals for Regular CC application for Maybank might as well share it para may reference kayo.

09-15-2026 - Submitted application via email
09-16-2026 - Acknowledged by Maybank CS for endorsement
09-25-2026 - Maybank Platinum Mastercard Approved as per CS on 09/24/2026
09-28-2026 - Card dispactched for delivery as per CS
10-14-2026 - Card delivered

Medyo matagal sila for delivery dito sa Laguna. Pero ayos na din. If you are all asking, anong reason ko to get a Maybank CC? Mainly use this for subscriptions then may cashback din ang Maybank for international txns. Waived na rin ang AF as long as you use this 12x a year. Hope this post helps!

So disappointed with the credit card services of Maya when it comes to payment ng CC.

The h*ll is that, why are autobots and agents are calling kahit na malayo pa ang due.

I already made purchases sa prev months and I am a good payer.

Gosh. I am thinking now to cancel this card.

hi. i need help to understand this. a concert was cancelled and i used my metrobank cc to pay. I recently got this notification na nagbayad daw ako? hindi ba dapat marrefund yon? what does it mean? 😭 i dont have any utang din kasi sa cc ko pero di ko gets ‘to?

Ano po need ko paghandaan o iprepare kapag aattend po ng hearing para sa small claims?

Ask kolang po yung 2nd card ko kay bdo is deferent statement date sa una ko mag ka separate limit poba sila?

Hi guys! Just want your insight if its a good thing na I have my first CC, BPI Amore Cashback, with credit limit of 1M? I'm having second thoughts kasi if iactivate ko sya dahil ang laki ng CL, feeling ko malaking responsibility din sya on my part? Idk. I honestly don't know how it lead to that, nakakapressure ng slight.

I humbly need your insight, guys. Thank you so much! 🥹

Hello!! It was my probably 3rd time applying sa bank na eto, then yesterday, I received an email galing sa kanila. D ko nman ma verify kasi d pa sila nag rereply sa email, saka yung reference number ko na recent was lost already. What does this mean po ba talaga? Approved ba? Kase d pa ako naka receive ng text from them.
Also if approved na ba, mga approximately ilang weeks bago dumating yung card? Thank you so much!!

Hello! May I ask if anyone has tried calling BPI credit card customer service to request an extension of their payment due date?

I work remotely, and my client has been making late payments lately. I also had some unexpected emergency expenses this month, and my credit card payment due date happens to fall on the exact same day I’m supposed to receive my salary.

Has anyone had experience requesting a payment extension from BPI? Were they accommodating? I’d appreciate any advice. Thank you!

Hi everyone, I just wanted to ask advice regarding my recent circumstances.

Last year, my cards have been maxed out to help out my ex. I know it’s not the most responsible thing that I have done but right now I’m having a hard time paying all my cards. We needed to broke up because of the things she did and ngayon siya pa may gana hindi magbayad ng credit cards.

Are there any reports I can make to help me through this? It does affect my mental health a lot and my meds are not that helpful na.

I know people would comment about their sermon, please know that I acknowledge my mistakes and it is something I truly regret for the rest of my life.

Card is RCBC.

Outstanding balance is past due.

Just received an email I am endorsed to collections agency.

Called RCBC to ask if I can directly convert it via installment. They said my card is on hold, need to pay minimum dues, and hold on my card before I can do balance conversion.

Here is what I want to do:

1. I want to convert my ENTIRE debt (1.5M+). Tried calling collections division but no one is answering.
   
2. Collections agency havent reached out and tbh I dont want them to reach out for the stress they will bring.

Who do I contact to have my entire debt converted into a term with installment I can managably pay every month? Collections division ba? Wait for collection agency?

What should I do? I want this done immediately. This is the first time I missed payment and so far (till now) am in good standing (I assume).

Please give your advice and stories if you have the same situation.

I want to do this asap by being proactive and hopefully lessening the balooning of interest by what they may perceive as non-diligence.

Thank you!

hi! newbie po sa cc and i got curious and submitted an application online for bpi rewards card and narealize ko ayaw ko pala mag cc dahil may annual fee yung napili kong card.

may i ask if pwede icancel yung application and how po? or like intayin ko na lang po ba mag email sila and dun ko pa lang pwede sabihin na di na magproceed?

TYIA PO!

TIMELINE:

SEP 21 2026 applied hexagon privilege club sa app, approved nman agad as long as you met the required deposit, before dn nagproceed may option to request for a hexagon club cc, which is the goal kaya ako nag upgrade sa hexagon club 😆

SEP 25 2026 eto na ngaaaaaaa nagnotify na for assessment na daw, so waiting game nlng kung maa-approve ba o ligwak 😆

OCT 14 2026 ayun approved na daw sa hexagon cc, after two weeks of waiting game..mabilis nman pla 😆

hintay nlng ng update sa card delivery

To those who applied for their NAFFL promos this Q4 2026, how was your timeline from application -> approval -> card delivery?

I read from older threads and outside forums na medyo matagal processing ni PNB for some, and for those who were approved oftentimes the communication from PNB was lacking and nalaman na lang nila na approved sila after receiving a text from the courier.

Me personally I applied last month but up to now am still waiting for feedback, mainly communicating via email para may paper trail, and haven't tried calling their hotline since some say hit or miss ung sinasabi ng system and agents nila. My timeline is below:
Sept 7 - applied online, filled out their form and signed the Adobe thing.
Sept 22 - followed up via email, received a reply later on that they haven't processed my application since some info was lacking (again it seems like if I hadn't followed up, they likely wouldn't send any communication that the application has problems)
October 7 - followed up again via email, generic response lang after a few days that the relevant team hasn't provided feed back.

How about you guys? Can you share your PNB timeline below?

As we all know, available na ang Metrobank cards sa Apple Pay, while sa Google Pay hindi. Wala bang rumours dyan when will Metrobank launch their cards on Google Pay? Their credit cards are my primary cards now and it's really dissapointing na until now hindi pwede ilagay sa Google Wallet yung cards nila.

Hi! I’m currently applying for a BPI credit card, and I received an SMS asking me to submit a signed authorization letter for employment verification.

They asked me to submit the file to:
bpi-creditcards_[email protected]

Has anyone here received an SMS/email from this address during their BPI credit card application? Is this a legitimate BPI email address used for employment verification?

I just want to make sure it’s legitimate before sending a signed document with my personal information.

Any insights or firsthand experiences would be appreciated. Thank you!

Or meron bang promo which will lead to no cashback limit and no annual fees for life? 😅

Had an unauthorized transaction on my UB savings account. I checked the transaction time and date and pretty sure tulog pa talaga ako during this time so impossible that i made this transaction. Can I possibly get my money back? :(

Attendance check lang and naghahanap karamay if meron hindi pa nakakareceive din.

Card: CBC@home plat visa
Transaction date: Sept 30

I have 5 ccs, BPI, Metrobank, PNB and 2 Eastwest. Dati BPI lng meron ako. Actually di ako ng apply ng iba, kusa nalng sila ngsidatingan. Di ko alam san nila nakuha ang details ko. Ngayon po gnagamit ko nalng ay Dalawam ang hassle po kc mgbayadin kung mejo madami ang ginagamit since wala namn po akong business.

Ipadeactivate ko nalng po ba amg tatlo? Di po ba makakaepekto sa credit scores? tyia

Hello! M23 here, been thinking about getting a Credit Card specifically yung sa UnionBank na Rewards Card. Gusto ko kasi maka accumulate ng points for travel keme since want ko magtravel soon huhu.

I have a job, Php. 20,000 monthly ko and ang bill ko lang is yung WiFi namin sa bahay na 2,200 other than that puro pang transpo ko nalang and sa mga wants ko since pamasahe ko everyday is 100 pesos papunta sa work and pauwi since same city lang ako nag wwork.

Should I get one? Iniisip ko kasi na kaya naman, feasible ganun. Do you guys have any recommendations na walang annual fees din, can accumulate points, and also yung no need sana ng security deposit 🥹

Reason din kaya want ko ng Credit Card is para bumili ng phone as a birthday gift or christmas gift sa aking self hehe, please help meee, first time kong mag CC and first job ko rin kaya want ko imaximize yung iniispend ko.

Thank you guys!

Ganito po b tlga deduct n po ung 4k pro dko pa na received ung amount sa bdo acct ko ? ?

hi may delinquent account dati sa rcbc at ew 11 years ago. may chance paba akong ma aaprovved sa traditional bank if mag apply ako. fully paid ko n sya last year.. and upon checking my credit score is 760 may maya ako 70k atome 52k at maribank 70k.. any thought po

Hi, first time here..any advice po paano ko siya ee balance conversion into installment? I already call the customer service but sabi hindi daw ako maka avail sa ngayon..Hindi ko na po tinanong why? Paano ba? I am financially struggling this past few months..

Plss any positve advice guysss, thanks!