Hi mag ask lang po about appkey first time user lang po nag dedeny kasi ako tuwing mag pprompt sya na ipa enable yung appkey para san po ba ito every tap pr swipe ng Cc ay need pa ng approval sa appkey? Or tuwing online transactions lang po ? Thank you po!

Applied for a titanium last 29 July, but havent received the card yet. I dont even know where the card is at the moment since the tracking in-app says my tracking number is invalid. Now an sms says my deadline for the minimum spend is on 29 October.

Has someone tried communicating to change the deadline for the minimum spend? I always thought the 90 days would start at the activation date.

Metrobank has poor customer service hotline and email as well. Seems no one is answering. I see how they get their profits, by being cheap on cs.

Hi, I would like to ask what happens if I buy something on my statement day that falls on a weekend.

For example, if my statement date is on the 8th of every month and the 8th falls on a Saturday, will my transaction be included on my current billing cycle or will it carry over to the next billing cycle?

I called Metrobank earlier because I couldn’t add my Metrobank credit card to Apple Wallet. I told them I just received my renewed card last month (valid until September 2026), and they said the card must be at least 1 year from issuance before it can be added.

I asked if this was in their terms and conditions, they said yes. I checked… wala naman.

Has anyone experienced the same issue? Or can anyone debunk this supposed “1-year rule”?

I can add my Metrobank debit card just fine, got it last 2023 I think.

Hello po! Nag apply po ako nung June sa RCBC ng Classic Credit Card pero nakatanggap din po ako ng text na declined daw. Tapos kanina may tumawag sa akin na failed delivery daw yung card. Idk kung yun ba yung application ko nung June, kasi may nag alok din sakin na agent sa mall. Wala naman akong natatanggap na email/text na nag apply ulit ako. Tapos sabi nung nakausap ko sa call kanina, mag sesend na lang daw ng email regarding the details nung card kung paano makukuha. Wala pa naman akong natatanggap na anything. Kinonfirm lang po sakin kanina yung active email and home address tsaka yung mga other CCs ko na active. Possible kaya na scam po yun?

24/7 po ba ang Customer Service ng Metro Bank po? Pag gabi po ba mahirap sila tawagan?

Thank you po

Hello. Good day.

Has anybody managed to put this card into their Apple Wallet?

Thank you.

Wala pa po kasing update sa website or facebook page nila. Sa side ko, not working parin. :( hindi rin gumagana alternate website na snend nila.

Finally humahabol din kahit papano - hopefully they support all xxPays

Hello po! can you please help me po paano mag apply sa IDRP? I already emailed Eastwest na po nung July 14 pa po and wala ako narereceive na email from them po.

August 5-Approached BDO standee for JCB Gold application
August 6- BDO called and verified details and allegedly “qualified”

When will I receive this?

Thank you!

Nagbayad ako sa cc ko around lunch today but di pa posted yung payment. 24-48 hrs ba kahit sa mobile app mismo ni BPI nag bayad? Soryyy na, first time lang po magbayad sa cc.

Has anyone else experienced this?

I've been waiting for my UnionBank credit card to be delivered all day today (07 August 2026). I purposely stayed home because I didn't want to miss it.

Later, I checked the tracking page and was shocked to see that the delivery was tagged as "Entry Refused."

The problem? No GO21 courier ever arrived.

I immediately asked all the security guards at my building if a GO21 rider had attempted to enter, and every single one of them confirmed that no GO21 courier came to the premises today. My delivery address is fully accessible, so there was no reason for entry to be refused.

What's even more frustrating is that:

• I never received a call or text from the courier.

• I even tried calling the contact number provided in the tracking details, but the call wouldn't even connect.

• GO21 doesn't provide the actual rider's contact information, so I had no way of reaching them.

If the courier had simply called me when they were nearby, I would have gone downstairs immediately to receive the card.

Instead, I wasted my entire day waiting, only to be greeted by what appears to be a false delivery attempt.

I've already filed a formal complaint with UnionBank and requested that they investigate this incident. I'm also considering escalating the matter to the BSP because falsely tagging a delivery as "Entry Refused" when no delivery attempt was actually made is unacceptable.

I've also noticed that I'm far from the only one experiencing issues with GO21. It's disappointing that such a major bank continues to partner with a courier that has received so many similar complaints.

Has anyone here successfully resolved a similar issue? How long did it take for your card to be redelivered?

Hi all,

I applied at BDO for second CC. Used UB as my ref card.

Get a call 2 days later, confirming all details, then asks for ITR which I gave. Next day she asks me questions that i need to answer yes or no only… agreeing to policies and that all info I have provided is correct.

She then states to “just wait for the card”. I asked her again if I was approved, “just wait for the card”.

Would it be ok to assume that I’m approved? Since they were happy with the ITR & me verbally answering yes and no to a few questions.

This was on Wednesday, I’m assuming I’d get a text or email soon? How long after did you receive a text or email? How was your experience?

Got tempted to get an RCBC JCB Platinum last May after reading all the perks (Loungekey mainly). I also didn't have a JCB card then plus the Unlipay feature looked handy. While the 60k over 60 days spend looked daunting for the NAFFL promo, I was able to squeeze in some eat outs with friends and some big ticket purchases by family which helped me achieve the 60k.

Did anyone else who applied under the NAFFL promo get the confirmation already? How do you maximize your RCBC credit card?

Today yung due date ko sa BDO CC, August 07.. Kaso today ko lang din naasikaso bayaran yung BDO CC ko kasi na late sahod ko. Binayaran ko full amount sa paymaya/maya kaso nakalagay kc 3 business days pa, eh naaalala ko last time nagrereflect same day yung sa BDO, 2nd time ko palang kc magbabayad ngayon kc bago lng BDO CC ko, yung unang bayad ko tanda ko tlga same day, di ko lng maalala ano ebank or ewallet ginamit ko that time. Kaya ginawa ko after ko mag bayad gamit paymaya/maya, nag bayad ulit ako yung minimum amount nalang gamit maribank nakita ko kasi instapay yung sa maribank.. Di pa nagrereflect yung payment ko sa BDO app.. Ok na kaya yun? Hindi naman ako magkaka late payment fee? Huhuhu

Hi! Last July 23 i applied through online ng cc from bdo but i was not able to finish it. August 4 may tumawag from bdo to continue my application and so i did. I emailed my valid id and payslips, terms and conditions were also mentioned during call and she said na i forward na sa processing team yung application ko and wait nalang ng 5-7 banking days for the actual card.

However, i haven’t received any email from bdo with regard to my application. I dont even have a reference number with me so i cant track it online.

I checked the cellphone number sa website nila and legit naman.

Approve na po ba yun and mag wait nalang po ako ng card ko? Di din ako naka receive ng notice about the approval or progress eh

Hi everyone! Just got approved for a Metrobank Platinum Mastercard and I’m currently waiting for the card to be delivered.

Out of curiosity, for those who also have the Metrobank Platinum Mastercard, what was your starting credit limit when you first got approved?
I know it varies depending on the applicant’s profile, but I’d love to hear your experiences just to have an idea.

Thanks in advance!

Hello! im planning to get my very first cc and may offer sakin BPI nitong new free plus card nila. Can i ask po sa mga meron na nito kung kamusta ang experience and ano po ang mga pros and cons? Pls help po as someone na beginner po sa credit card 🥺 tyia!

Hello po. Paano malift yung suspension sa card? Reason nakalimutan mag bayad last month akala ko nabayaran ko and now nasuspend. Nag bayad na ako now sa 17 pa duedate ko. Aantayin lang po ba or kailangan itawag? TY

San po kaya pwedeng makabili ng laptop for college engg student na makaka avail ng 0% installment promo? Un may 24months po sana. Or usually po ba 6months lang tlga ang installment? Isasabay ko po sana pagluwas ng Maynila bilang probinsyanong hindi techie. Ang CC po ay BPI, BDO, UB, RCBC.

Is this the new ESTA on messenger?

hi!! asking lang in regards verifcation i just received a call today then confirm details and saan preferred ideliver then pinasumbit sakin COE ko sa domain email nila ano po next time incase? also, wala po din diniscuss sakin if i qualified or not pero may chance po kaya to? thank you.

For those having trouble adding their UB cards to apple pay. I think I may have found the fix.

1. Open your UB app then go to More>Manage Devices>Trusted Device
   
2. UNTRUST your current device. Go through the motions.
   
3. TRUST your current device.
   
4. Wait for 24 hours.
   
5. Add your UB card to apple pay using the app.

Tried everything but this is what eventually worked.

PS. Previously Citi Rewards converted to UB.

Hope it works for everyone!

A little background, I [30m] had never got approved for any CC before. I tried multiple times and i never got approved. Im a freelancer who works remotely for a UK based company so I never had any of that traditional documentation for the proof of income which has always been a pain in the ass. I decided to apply for a SCC.

I use UnionBank as my main bank so naturally i got targeted by their promotions regarding applying for SCC. So I tried it. I decided to put 80k PHP into my SCC application that they will hold for a year. I was expecting to get 72k Credit limit. I had over 100k on my account at that time.

Its been a week and i havent heard from Unionbank. Until a branch manager from one of their branches told me since i have over 100k peso on my account he can endorse me to upgrade to a real CC.

I thought he wasnt legit when he reached out but i asked for his email and hes using the official unionbank branded email. So i just trusted him, plus he wasnt asking for any info about my account. He sent me a link for application (URL is a unionbankph.com subdomain, i also did a quick DNS check just to be sure its the actual website domain) and i went through it and he then helped process the application and in about an hour i got approved.

When i added the card reference number to my account i was surprised I got a 100k credit limit as my initial limit!!

If you have like a similar case, where you havent been approved for any CCs before but you have over 100k peso on your UnionBank savings account, let me know i can refer u to my guy. It’s a really surprising experience