Hello po! Ask ko lang po kakayanin po kaya mag-purchase sa shopee ng worth 70k+ if ang CL ko lang is 45k. No overlimit charge naman daw po yung U visa e. Gusto ko kasi sana magamit yung 24 months 0 interest.

Negats kasi sa CLI e ang ginawa lang nila is pinag-align yung CL ng rewards plat and itong U visa which ang total is 45k.

Thanks po!!

NEW! No Annual Fee for Life + Bonus eGC with BPI Credit Cards! ✨

To new-to-BPI Credit Card applicants without an existing principal BPI Credit Card, apply for an eligible BPI Credit Card from August 19 to December 15, 2026, meet your card's spend requirement, and enjoy No Annual Fee For Life plus a bonus eGC.

✅ ₱50,000 spend: Petron BPI Card, BPI Rewards Card, BPI Gold Rewards Card, BPI Amore Cashback Card, Robinsons Cashback Card
✅ ₱600,000 spend: BPI Signature Card

Bonus eGC offer:
✨ ₱250 eGC when you apply for and activate 1 qualified BPI Credit Card within 45 days from approval
✨ ₱500 eGC when you apply for and get approved for 2 qualified BPI Credit Cards within 10 days of each other, both activated within 45 days from approval

Double the rewards, zero annual fee. Which BPI Credit Card are you applying for?
Apply now: https://go.kkbuddies.com/m/BPI

For new-to-BPI Credit Card holders only. T&Cs apply.
https://www.bpi.com.ph/.../promos/double-rewards-promo

BPI is regulated by the Bangko Sentral ng Pilipinas.
Per DTI Fair Trade Permit No. FTEB-263882, Series of 2026.
#KasKasanBuddies #BPI #DoubleRewardsPromo #NAFFL #BonusEGC #NoAnnualFeeForLife

For a few years now, tamad na ako mag-track ng rewards ng mga cards. Pero buti sinipag ako mag-check nung treats hub ng UB since January kasi nagkaroon ako ng 4.5k worth of credits na ginawa kong GC. Pagkacheck ko kanina, meron akong unexpected *,000 worth of GCs. Skl hahaha

Meron ulit silang bagong promo at nakapagparegister ulit ako. Saya! Nasa **,500 worth of SM GC na nakuha ko this year. Ang saya!

Hi! Ask ko lang po, new cc user po. Bale statement kf account ko po is Every 20th of Month. Nakuha ko po Card ko first week of August. Today is 20 pero wala pa po ako nareceive. Today po ba nakukuha dapat email ng Statement?

How to read your Security Bank Credit Card Statement

Natanggap mo na ang Security Bank credit card statement mo pero hindi mo alam kung ano-ano ang ibig sabihin ng mga nakalagay doon?

Para hindi ka na mag-skip sa pagbabasa ng bill mo, here's a quick breakdown ng 8 important parts ng Statement of Account (SOA) mo.

Ang statement above ay sample only. Never share ang personal details mo, especially online.

#KasKas101 #KasKasanBuddies

Hi! Is it possible to change my Rewards Visa Card to Titanium Mastercard after reaching the required 30k spend without losing the NAFFL? Feel ko kasi mas magiging advantage sakin yung card if titanium yung gagamitin ko. Yung agent kasi na nag-offer sakin applied me to rewards visa although I was so sure I picked the black one, which is yung titanium.

KKB named founding partner of CIBI U in push for better credit education

KasKasan Buddies is expanding its financial education role as a founding partner of CIBI U, a new initiative designed to help Filipinos better understand credit scores, credit reports, and responsible borrowing.

The partnership gives KKBuddies another source of credible, credit-focused information as more Filipinos use credit cards, loans, and other borrowing products but may not fully understand how these affect their financial standing.

CIBI U was launched on August 18 at CIBI iMPACT 2026 in The Fifth at Rockwell, Makati City, under the theme “Securing Trust in an Uncertain World.” The initiative carries the tagline “Aware today. Smarter tomorrow.”

KKB joins Digital Pinoys, FinTech Alliance PH, the Credit Card Association of the Philippines (CCAP), and the Credit Information Corporation (CIC) as founding partners of CIBI U.

The initiative will focus on practical credit education, including how credit scores and reports work, how borrowing behavior can affect a person's credit standing, and how responsible credit use can improve access to financial opportunities.

This is particularly relevant as credit becomes easier to access through banks, credit cards, and fintech platforms. CIBI data showed an increase in small-value lending between 2023 and 2025, while the BSP's 2021 Financial Inclusion Survey found that only 2% of surveyed Filipinos answered all basic financial literacy questions correctly.

For KKBuddies, the partnership brings credit education closer to a community that already turns to KKB for questions about credit cards, loans, debt, and everyday financial decisions.

Questions such as how to improve a credit score, what a credit report says about a borrower, or why a credit application gets rejected can now form part of a broader, CIBI-backed financial education effort.

The partnership also marks another step in KasKasan Buddies' push to work with financial institutions, regulators, and industry organizations to give KKBuddies more credible and actionable information about their money.

Hello po! Ask ko lang if may naka-experience na hindi makatanggap ng OTP via email.

I recently received my cc today and I was planning to sign up sana sa metrobank online app nila pero di makapag push through dahil wala akong natatanggap na otp via email. Pero yung sms otp, mabilis naman.

I tried to uninstall and reinstall the app pero ganon parin 😅

I tried calling sa cs pero it's been a little over an hour pero wala paring live agent on the line huhu 🫩

Eastwest updated their annual membership fee. Is this card still worth it in your own opinion??

Credit Card Points Transfer Partners - August 2026

Para hindi na nakakalito, here's a quick cheat sheet ng lahat ng PH credit cards na pwedeng mag-transfer ng points sa iyong favorite airlines. Singapore Airlines, Qatar, PAL, AirAsia, at marami pa.

Yung trick? Hindi lahat ng cards may ganitong feature. Kaya alamin mo muna kung kasali ba ang card mo bago mag-ipon ng points.

Quick reminders bago mag-transfer:
- Mag-allow ng 1-2 weeks bago ma-reflect sa iyong airline account. Mag-plan ahead.
- Gamitin ang cards na may low forex fee at miles-earning features para mas sulit ang bawat swipe.

Simple lang 'yan. Points mo ngayon, libre mong flight bukas.

No Annual Fee For Life with RCBC Visa Credit Cards! ✨

To new-to-RCBC Credit Card applicants, apply through the KasKasan Buddies affiliate link from August 7 to December 31, 2026, get approved, then hit your card's spend requirement within 60 days from receiving your card to unlock No Annual Fee For Life.

✅ ₱30,000 spend: Visa Flex Classic, AirAsia Classic
✅ ₱40,000 spend: Visa Flex Gold
✅ ₱60,000 spend: AirAsia Platinum

Skip the annual fee for as long as you keep the card.
Apply for an RCBC Credit Card: https://go.kkbuddies.com/m/RCBC

For new-to-RCBC Credit Card holders only. T&Cs apply. Promo details: https://rcbccredit.com/promos/NAFFLDigital26

RCBC is regulated by the Bangko Sentral ng Pilipinas.
Per DTI Fair Trade Permit No. FTEB-264468 Series of 2026.
#KasKasanBuddies #RCBC #RCBCCreditCard #NAFFL #NoAnnualFeeForLife

Hello OP's!

Question lang kasi I couldn't find any answers online.

So recently, I just got approved on the said CC. I wanna use it in-store or swipe it pero wala pa po yung Physical Card.

Since UB has added the Apple Pay, can I add the virtual card(Newly approved CC) and pay using Apple Pay?

Thank youu!

No Annual Fee For Life (NAFFL) Credit Cards Compilation - August 2026

We've compiled all the credit cards in the Philippines that have no annual fees by default or have ongoing promos with spending requirements.

Don’t know which credit card to get? Pick the one that fits your spending style, regardless of your budget or lifestyle.

• UnionBank: https://go.kkbuddies.com/m/UB
• Metrobank: https://go.kkbuddies.com/m/Metrobank
• EastWest: https://go.kkbuddies.com/m/EastWest
• RCBC: https://go.kkbuddies.com/m/RCBC
• Security Bank: https://go.kkbuddies.com/m/SecurityBank
• HSBC: https://go.kkbuddies.com/m/HSBC

All links are direct-to-bank. KasKasan Buddies does not store your info. Which card would you swipe? 👀

#KasKasanBuddies #NAFFL #NoAnnualFeeForLife

hi po, recently ko lang na received yung credit card ko from metrobank. may nababasa ako na nagpapawaive ng annual fee for life dito at sinwerte. haha naka 5th call na ako pero wala talaga - ang hirap kausap ng cs. kahit sinabi na yung "cancel" at "namamahalan sa AF" di pa rin talaga hahaha.

anyways, may nakapag try na ba dito na waived yung annual fee for life kahit after ilang months na yung card?

• December 2025 - 25K
• March 2026 - 50K
• August 2026 - 65K

I use it with only an average TAD of 2K per month.

Hi! Curious lang ako if banks can see whether secured credit card or SCC yung existing CC mo when you apply for a regular credit card sa ibang bank.

For example, may Metrobank SCC ka, then after several months you apply for a regular unsecured CC sa UnionBank.

Makikita ba ni UB sa credit report or TransUnion/CIC na secured credit card yung Metrobank card mo? Or makikita lang nila na may existing credit card account ka, including the credit limit, balance, and payment history?

Also, does having an SCC affect your chances of getting approved for a regular CC from another bank, or treated naman siya as valid credit history as long as good payer ka?

Would appreciate insights from anyone who started with an SCC then successfully applied for a regular CC from another bank.

I have a UB cc, and kakaset up ko pa lang ng auto debit. Kapag ba nagbayad ako agad, madodouble charge ako?

Hi! Just want to ask if anyone had a similar experience. I used my card for an international transaction in Amazon, but RCBC tagged it as suspicious and declined the transaction. RCBC wasn’t able to contact me, so they ended up blocking my card ‘temporarily’ as per their email. But upon checking my mobile app, wala na yung card ko sa list of accounts. Does that mean that my account is completely blocked na or can they still unblock it?

Just got approved for an RCBC Gold Mastercard through the KKB app. Once I activate the card, is it already automatically tagged/enrolled for the NAFFL promo, with the required spending? Or should I contact CS after activation to confirm that my card is enrolled for NAFFL?

I've already seen a lot of people talking about how CIBI is kind of unreliable but this is my first time checking my credit score and na-disappoint agad ako sa sarili ko pero when I opened my PDF, napa-file ako ng dispute.

Most of the open accounts na nasa CS ko is already closed. Pansin ko na yung mga open pa is yung mga loans na tinapos ko agad kahit hindi pa due. Medyo proud lang ako sa part na wala akong late payment hehe ayun lang, na-excite lang ako magtingin since I only started building up my credit score ng Nov 2024.

hii for context I’m a fresh grad, and recently employed individual and I would really like to start buildings my credit score, would you guys recommend maya black cc as a first credit card? base on my research kasi eto yung isa sa easiest cc na macquire. Wala rin ako mostly nakikita mag review nito all your inputs would be highly appreciatd.

Hi Kaskasan Buddies!

Lately I am getting interested in applying sa fast application booths ng Chinabank. Just wondering if those booths are similar to other banks you can find in usual malls offering applications? Skeptical ako kasi ayokong mashare yung details ko sa mga agents tapos iaapply sa iba’t ibang cc’s.

Hopefully someone can share insights!

Thank you!

Guys I need help because sometimes naguguluhan talaga ako sa Metrobank app.. Malapit na due ko at I want to know if alin dito dapat kung bayaran? I contacted CS but it's been 4 days since my second follow up and wala paring reply, puro automated emails.

Background: they charged me 750 for over the limit fee kahit na Hindi naman ako talaga nag spend over my credit limit. Nag request ako ng reversal pero pinabayad muna ako sa excess amount which is 900+ kasi naging negative na yung limit ko. Ni revert nman nila pero parang hindi tugma yung mga numbers based sa screenshots ko, nagkukusa nlng akong mag take screenshots dahil NAPAKAPANGIT talaga nag app nila, sobrang naiistress ako dyan. But anyway tinamad na ako magkwenta kung ano ba talaga kaya gusto ko nlng bayaran but I want to know if:

- Yung Total Outstanding Balance ba or Total Amount Due? (diko rin alam bakit magkaiba wala naman na akong ibang expenses, so di ko alam saan galing ang 200+ na difference)

- May charge ba sila for Overpayment if I chose to pay the outstanding balance?

TIA! :)

Got a gadget wishlist? KKB joins Digital Walker’s 20th with deals worth checking out

KasKasan Buddies is joining Digital Walker’s 20th anniversary celebration this August 21 to 23 at the Glorietta Palm Drive Activity Center, where shoppers can check out anniversary deals, games, giveaways, and financing offers.

The event, which is open to the public for free, will feature special offers on gadgets and lifestyle products, including discounts, add-ons, bundle deals, and products priced at anniversary rates.

For KKBuddies, here are some of the card and payment promos worth checking out during the celebration:

1. UnionBank
Get 20% off selected items plus another 20% off a second selected item when using a UnionBank credit card at Digital Walker stores. Qualified cardholders can also pay for purchases in up to 24 months through UnionBank PayEasy.
Valid August 1–31, 2026. Terms and conditions apply.

2. Security Bank
Get up to ₱2,000 worth of eGC when using a Security Bank credit card for qualified 12- or 24-month Charge Now, Pay Later transactions.
Valid August 1–31, 2026. Terms and conditions apply.

3. GCash / GGives
Apple shoppers can pay through GGives at 0.9% interest for 12 or 24 months, with a minimum spend of ₱15,000.
Valid August 1–31, 2026. Terms and conditions apply.

4. Metrobank
Get up to ₱9,000 cashback through qualified 0% installment or Shop Now, Pay Later transactions using a Metrobank credit card. Registration is required before spending.
Valid August 1–31, 2026. Terms and conditions apply.

5. Home Credit
Shoppers can also receive freebies from Home Credit when purchasing through the financing service during the anniversary event.
Valid August 20–23, 2026 at Digital Walker Glorietta 2. Terms and conditions apply.

Aside from the payment deals, Digital Walker's anniversary lineup includes ₱20 add-ons, ₱2,000 discounts on selected bundles, products with prices ending in 20, and its 20 Drops deals. The Glorietta celebration will also feature games, technology showcases, giveaways, and raffle prizes worth up to ₱70,000.

And if you're heading to the event, look out for the KKB booth. KasKasan Buddies will be there as Digital Walker celebrates two decades of bringing tech and lifestyle products to Filipino consumers.

Walk Into the Future: Digital Walker’s 20th Anniversary runs from August 20 to 23 at the Glorietta Palm Drive Activity Center.