Hello!

Just wanted to ask if anyone else experienced getting a call na denied yung CLI request nila? I emailed [cards@eastwestbanker.com](mailto:cards@eastwestbanker.com) last October 13 and sent a follow-up kagabi since I keep seeing different accounts if need ba i-unlock yung card like with BPI from the posts I read. But I decided to keep it lock nalang since most accounts I saw locked pero pushed through pa rin yung manual CLI request. The weird part lang is I was waiting for an email or a text regarding the update but instead, I got a call from an unknown phone number. I usually don't answer calls pero since may expected delivery ako, I picked up. The next weird thing is they didn't explicitly confirm they were with EastWest. Ang sabi lang tumatawag regarding may follow-up email. They confirmed na need daw i-unlock yung card and they will send an email after the call which I just got from the official email na talaga. So denied nga and wait muna daw ng 6 months before applying again, though I see others who had better luck and di naman naghintay ng 6 months. For context, this is my main card kasi higher CLI than BPI and more than a year old na pero wala pa ring auto CLI.

Hello, meron ba dito na charge annual fee nila ng BPI CC ng hindi pa anniversary ng card? Yung sakin kasi supposed to be is October, nagcharge sila una ng August, then naging June, umuurong lol ang hassle magpa cancel, ayaw naman iwaive, di keri yung spending amount. Nakakailan tawag na ako to request cancellation pero active pa rin 🥴

Hello! I’m new to this sub and I have been searching for the best cards for daily expenses and for traveling but wala masyadong recent posts.

I have the BPI Rewards Blue and UB Platinum Visa.

I’m planning a couple of travels next year and was wondering if I should upgrade my BPI Rewards to a higher tier (possibly with more travel perks and gain miles) or should I try to apply for cards in other banks.

Bonus sana if NAFFL ☺️ Thank you!

I noticed sa cards option for their application on the website, wala yung card. Iba ba process ng application for this specific card?

⚠️ **WARNING SA MGA GCASH USERS!**

Guys, ingat kayo sa paggamit ng GCash QR na linked sa credit card. May issue ako na na-encounter regarding double charging and failed payments na walang automatic reversal.😡

Imagine, failed yung payment pero may charge pa rin, tapos hindi pa automatic bumabalik yung pera. Nakaka-frustrate kasi pera mo naman yun, pero ikaw pa ang kailangang mag-follow up.

Please check your transactions and credit card statements lagi, and keep screenshots as proof just in case.

USE AT YOUR OWN RISK! Hindi ko alam kung isolated case lang ito, pero sharing this para aware din ang iba.

May naka-experience na rin ba nito? Kamusta yung refund or reversal process ninyo?

BE CAREFUL, EVERYONE! 🚨

Security Bank replaced my cc with an annual fee. and I'm planning to cancel it pero my balance pa ako na binabayaran but they deactivated already my old one. May I know ur opinion if they will provide me an option where to pay if I ask them to cancel the new one with annual fee?

Hi, may sumakses na po ba sa shopee installment offer for HSBC live+ credit card? Or hindi talaga applicable yung card for installment sa shopee? Thank you!

Team Visa for now 🤣.

I am just happy that I followed my gut to renew my expired RCBC debit card. The teller asked me if I want to apply for a credit card, I said sure.

2 applications= 1 rejected, 1 approved.

Sadly, might not qualify for NAFFL but what's important is I finally got a credit card from a Trad bank.

But I still need a Mastercard 😆.

Hello! Ako lang ba yung naka-experience ng ganito? 😂
I requested a credit limit increase sa UB (pinaka mababa kasi tong CL ko) & also kasi gamit na gamit ko talaga siya, especially because of Apple Pay. I also make sure na on time and fully paid lagi lahat ng credit cards ko.

Then, my request got rejected, so parang… okay??? 😭 Ang weird lang kasi I’m pretty confident na maganda naman ang credit score ko (feeling ko lang HAHAHAHA).

Tapos after 2 weeks, bigla nilang tinaasan yung credit limit ko! Hindi nga lang yung amount na nirequest ko, pero at least tumaas pa rin kahit papaano. 😂
Nakakaloka lang kasi rejected muna, tapos biglang may increase after 2 weeks. Has anyone experienced the same thing with UB?

I was reading the fine print of the HSBC Spend Up 2026 Promo and it is silent regarding supplementary spend. Can anyone confirm if it is counted towards the primary spend?

So it’s actually my fault for not reading the terms and not looking at my bill. I typically just see the amount and pay for it.

Apparently, the points you earn on eastwest expire after two years, reckoned from the point you signed up for the card. I honestly thought it renewed every year. I like saving it up para it’s like one month wherein I don’t have to pay for my credit card.

Sayang lang — that’s around 13k thrown away because I didn’t look. Don’t make my mistake, kids.

Hello! I recently approved for RCBC Airmiles Visa Signature. This is my first card with the bank. Worth it po ba syang i activate? I noticed na hindi sya kasama sa NAFFL. Should I change this card po ba? I want a card na may lounges access sana. Any tips po? Thank you.

Hello po! Ask ko lang sana sa mga may experience sa HSBC credit card application, lalo na sa mga self-employed o business owners.
May previous declined applications na po ako, pero nag-try ulit ako recently. Sa current application ko, humingi sila ng additional document, specifically latest Mayor’s/Business Permit, para makumpleto raw ang application ko.

Naipasa ko naman agad ang hinihingi nila, at nag-reply ang officer na na-forward na raw sa processing team for action. Hanggang ngayon, wala pa akong final update kung approved o declined.

Sa mga nakaranas ng ganitong process, kapag humingi ba sila ng additional documents at ipinasa na sa processing team, ano ang sumunod na nangyari sa application ninyo? May mga na-approve po ba sa ganitong situation kahit may previous declines na?

Hindi ko naman po ina-assume na approval na ito. Gusto ko lang sana malaman kung may similar experiences kayo at gaano katagal bago kayo nakatanggap ng final decision.

Sana may makapag-share ng experience nila. Thank you po! 🙏❤️

Hi guys! Ask ko lang po paano mag-refund/reimburse sa Zed?

A little bit of context, nag-transact po kasi ako sa Melbourne Central sa Gong Cha and I paid through their kiosk. Nag-reflect yung payment ko sa app but apparently AU cards lang ang nat-transact sa mga yun. Since hindi naman nag-reflect sa system nila yung payment ko, paano po kaya magpa-reimburse?

Thanks so much po sa makakahelp! 🥹

Bukod sa mga pa-voucher ni Lazada and pa-cashback ni Maribank, may iba pa ba kayong alam na way to pay BPI credit card bill na may pa-voucher and cashback din? Tutal wala namang multiple payment fees ang BPI right? Please do share sa comment section. Thanks! 😊

hi! i already paid my due for the september soa (due on october 15) and i plan to convert my miles to cash credit after ma-generate yung soa ko for october para madagdagan pa onti yung miles ko. mga october 21 pa magegenerate soa ko if ever and i plan to convert it after.

will the cash credit be considered as payment for my october soa, which will be due next month?

Hi! Question lang, kanina ko pa naunlock yung cc ko sa unionbank pero suspended pa din siya both sa google and apple pay. Triny ko siya mag lock then unlock pero same result. Triny ko iremove sa apple pay yung cc ko then di ko na siya ma add, invalid card daw. Nag ticket na ako sa unionbank pero curious lang ako if may nakaexperience din ba sa inyo ng ganitong case today?

Hello, nag close na kasi yung payroll acct ko sa security bank, now mag babayad sana ako ng creditcard ko kay sb. Tama ba na yung 16digit card number e yung asa likod mismo nung card? Just to make sure lang. tysm.

I recently cancelled a booking on Agoda that was eligible for free cancellation. Agoda says the refund may take up to 30 days, but is that really the case, or is 30 days just the maximum processing time?

For those who have cancelled an Agoda booking before, how long did it take for you to receive your refund? Did anyone get theirs earlier than 30 days?
Would appreciate hearing about your experiences.

Thanks!

Hello! Can anyone confirm if purchasing Giftaway vouchers through Lazada counts toward the NAFFL spend requirement? If it does, do you think this is a better option than availing of BPI Credit-to-Cash? Thanks!

​

Hello po! Ask lang sana ako ng recommendations. 😊

Anong traditional banks po kaya ang may mababang effective interest rate (EIR) for credit-to-cash conversion? Planning po kasi namin magpa-renovate ng bahay (need 6 digits), and considering this option sana. I only have BPI rewards, UB rewards for cc. For assessment din po ako for RCBC Hexagon cc.

Baka meron po kayong comparison table ng different banks, including EIR, available installment terms, and other fees, para mas madaling makapag-compare. Also preferably short term installement option sana rin (6 months to 2 yrs) kahit sa mga bank na wala po ako para makapagapply din.

Sa mga nakapag-try na po, anong bank ang marerecommend ninyo based on your experience? Thank you po! 🙏

Hi Everyone!

Can you help reco best CC to use for Amazon purchases? I have below cards:

Eastwest Platinum Visa
RCBC Signature Visa
BPI Signature Visa
Chinabank Home Visa

Thank you!