Okay, so earlier today I have received an email telling me that they can no longer provide any services to me until Nov 13th. I got confused for a sec. because the recent usage of my acct was just last month. I don't use it often and never missed any payment.

I called the CS and the rep don't see any reason too, aside from my acct being tagged for restrain. She told me that she'll call out the assigned dept and make a call back to me to explain what happened.

Does anyone experienced the same?

Note: never use it for business too, all for personal. Really confused 👀

NOTE: This is just a random cc photo - this is not mine 😁

Initially, wala talaga akong plans na mag-apply for a Bank of Commerce (BOC) credit card. Pero nung nakita ko na mas mahaba yung spending period nila for the NAFFL promo compared to the usual promos ng ibang banks, I decided to give it a try. And thankfully, approved! 🎉

Ang alam ko, you have until February 28, 2027 to complete the required spending for the NAFFL promo, so hindi kailangang magmadali sa pag-spend. Mas mataas nga lang talaga yung spending requirement nila compared to other banks, kaya make sure na kaya siyang ma-meet through your usual expenses. Please double-check the exact deadline and promo terms to confirm your eligibility.

Naalala ko rin yung sinabi ng isang agent na nagpo-process ng BOC credit card applications na mataas daw ang approval rate nila lately. Based on my experience, mukhang worth considering din si BOC. Of course, hindi guaranteed ang approval, but maybe it's about time to give it a chance!

Here's my application timeline:

📌 October 6, 2026 – Decided to fill out the application form and sent it via email together with the required documents.

📌 October 8, 2026 – Wala pa rin akong natatanggap na email confirmation from BOC, so I decided to resend my application just to make sure na natanggap nila.

📌 October 12, 2026 – Finally received an email confirmation from BOC. They apologized for the late response due to the high volume of credit card application emails they were receiving.

📌 October 17, 2026 – Called their hotline to check the status of my application. The agent confirmed that I was approved on October 16, 2026! 🎉

Initially, I applied for the BOC World Mastercard, but I was granted the BOC Platinum Mastercard instead. Okay lang naman since the credit limit they granted was quite generous, almost on par with my reference credit card.

📌 October 20, 2026 – Called again to check the card status and delivery schedule, but the agent advised that no further details were available yet.

📌 October 21, 2026 – Since I had plenty of time that day, I decided to call again to check if there was any progress. Unfortunately, wala pa rin daw update sa system. I was placed on hold for more than 10 minutes, and when the agent returned, she told me that the delivery team had committed to delivering the card by Saturday, October 24.

📌 October 23, 2026 – Plot twist! 😂 Friday after lunch, the delivery rider arrived at my doorstep. However, I was told that the card had already been returned the previous day because the rider who attempted delivery couldn't find my address.

Upon checking the envelope, true enough, mali yung home address ko! The last two digits were switched. Good thing na yung rider na nag-deliver that day was someone who regularly delivers credit cards to my address and already knows me, kaya na-deliver pa rin sa akin yung card.

Imagine kung ibang rider yung nag-attempt ulit. Baka lalo pang na-delay yung delivery!

Overall, happy with the approval and glad I decided to apply! The longer NAFFL spending period was what convinced me to give BOC a chance, and the generous credit limit was a welcome surprise. The delivery experience was a bit of a roller coaster, though. Also, wala pala tong temporary card lock sa app. Medyo Jurassic lang yung mobile app nila, and card activation cannot be done via the app or via text; you need to call them. 😅

Approved for a month or so na sa Maribank CC with 30k limit (pwede na pero huhu..). Applied for limit increase and after mga 2 weeks they gave me additional 21,028.75 hahahha ang cute ng mga butal

Excited pa man ako na isa ako sa unang makakakuha ng bagong redesigned credit card ni BDO. Kakareceive ko lang today and yung old design pa din nakuha ko.
MAy nakareceive na ba ng new design na advertised nila?

Note: card pic is not real (from BDO website)

Hi everyone, I received this email about being able to redeem a free 1 year Landers Executive membership as a member of BPI Preferred.

I currently already have the regular membership of Landers. Would anyone know what will be the arrangement if I redeem this offer?

*got my BPI Preferred because I have a BPI Visa Signature with 1M credit limit.

Also, it is ironic because Landers Executive is partnered with Chinabank credit card lol.

Hay since 2013 BDO User na ako, pati nung kumuha ako ng Car sakanila, and good payer ako sa part na yon at sa CC nila never ako nag miss sa pag pay. Tapos nung mag aavail ako ng Cash Installment, wala daw offer sakin pero nag send naman sila ng PROMO ID sa email ko. Nakaka disappoint lang nung may emergency di sila matakbuhan bigla hayy

I recently tried paying my electricity bill through the Bayad Online app using my Chinabank credit card. The amount was immediately deducted from my card, but the transaction failed on Bayad’s end. I did not get an acknowledgement receipt, only a failed transaction email 24 hours later.

I have already reached out to their customer service multiple times, but they keep telling me the issue is still with their backend team and cannot give a definite timeline for the reversal.

For anyone who has gone through a similar situation with Bayad Online:

• Did you eventually get your money reversed to your card, and how many weeks did the actual refund process take?
• Did you try to file a bank dispute instead?
• Did you contact BSP?

May iba pa ba ako pwede paggamitan dito? Di naman ako madalas gumamit ng credit card pero sayang kasi points din haha.

May iba pa ba pwede paggamitan or kung ano lang talaga yung inooffer nila sa app?

May naka experience na po ba nito? Hindi ko po sure if ano ba talaga, approved or not 😅

Payment doesn’t process successfully and my card is unlocked 🤦

I applied for RCBC World MC

Pagka click ko send application, sabay declined wala pa 1 minute. How’s that possible? 😭 Anyone experienced the same?

Guys what are your feedback sa card na to? Yung ₱48 = 1 mile is for all category? Worth it ba tong card? Thank you.

Just wanted to share my timeline ng application, baka makatulong!

Sep 7 - Applied for both Platinum and World cards via online

Sep 14 - I followed up through email just to check kasi may nabasa ako na wala silang follow through pag may kulang na info (which was weird kasi di naman masusubmit yung form kapag may empty important fields)

Sep 16 - Received a response through email na to wait ng 10-14 banking days

Sep 24 - Followed up again

Sep 25 - Received an update and it turns out may kulang nga daw na info! They were asking for TIN and ID with sign.

Sep 26 - Resubmitted again, pero Platinum nalang kasi di naman pasok yung annual income ko sa req ng World

Oct 16 - Followed up again. Pero di na ko nakatiis, pumunta na ko sa branch. They asked me to apply again manually dun mismo instead which I did. Applied for both Platinum and World again.

Oct 17 - I received an update through email na my application daw was approved on Oct 16 and for dispatching na

Oct 22 - I received a text message na out for delivery na yung card via LBC. Then to my surprise, World yung binigay sakin! 🥹

Ngayon naman waiting ako sa NAFFL message so I can register. Kasi even though activated na yung card, I tried registering sa promo pero “…did not match our records” daw.

Hi. Is it normal na walang binibigay si UB na email and text message if confirmed naman na approved yung cc application?

For context, I applied last October 16, refer to my previous post. Then October 20, received a call from UB asking to submit another valid ID by replying to the email they sent me. I was able to comply naman after the call and no updates since then.

I called their hotline and CS told me I was approved last October 21 pa. Also, I submitted a ticket via the UB app and they replied na approve na nga yung application ko. The problem is walang binigay si UB na card reference number which I could use sana to link my virtual account to the app so that I can spend as early as possible for their NAFFL promo. I've seen posts here na meron silang na receive na card reference number via email.

Should I submit another ticket and ask for the card reference number or should I wait na lang for the physical card to be delivered?

Hello, so bale lumabas na yung SOA ko for next month, pero bago ma email sakin na convert ko na siya for installment for 6 months. San ko kaya makikita o malalaman kumg approve yon? Haha first tjme ko kasi mag convert to installment. Thank you

Hi, dumb question lang.

My tito once said that he would convert the ticket we bought to installment after his statement date so we’d have to pay on the next cutoff. His CC was RCBC.

My dumb question is, does this apply to BDO Visa Classic as well? I’m just confused because my statement cutoff date is every 13th of the month. The purchase is already posted on my card, and I was planning to do the same, but I’m thinking, wouldn’t the full amount already reflect on my statement after Nov 13? And if I convert it after that, will I actually start paying on the next billing cycle instead?

Thanks!

Hello meron ba dito naka receive na ng SMS na you can start spending na for the qualifications ng NAFFL? Sabi kasi sa CS wait for the sms before spending. Pero been a week wala pako narereceive na confirmation na pwede na ako mag spend or that sms na saying na qualified for the promo. New to metro ako.

Hello po! Hingi lang po sana ako ng advice. Last August 26, I received a call from someone claiming to be a PNB employee, saying my credit card points were expiring and needed to be converted to Mabuhay Miles. The caller knew my personal and card details, so I believed them and provided the OTPs.

I later discovered four unauthorized transactions totaling ₱11,400. I reported the incident to PNB, but they denied my dispute because the transactions were OTP-authenticated.

I’ve escalated the matter to BSP and PNP, but I haven’t received a response yet. Meanwhile, PNB continues to demand payment and send collection notices.

May naka-experience na po ba ng similar situation? May chance pa po bang ma-reverse ang transactions, and what steps should I take next? Thank you po!

This is my first ever credit card. Im earning 65k a month. I mostly spend my money on restaurants and online shopping. Whats the best CC for me? My job has a BPI booth at the moment. I only have the 3 Rewards cards, Amore Cashback and Signature (i dont meet requirements for this) as my options in the application QR.

Applied - Oct 14
1st Call - Oct 19 (ignored it kasi kulang details yung call)
2nd call - Oct 23 (continued application via call and for processing na daw yung card, ichecheck for approval)

How many days kaya after maka receive ng update? Good sign ba to na ma approve na?

NEED ADVISE/SUGGESTIONS **NO JUDGEMENT PLEASE**

I received demand letter from RGS Collection Agency for my BDO Credit Card. This is the second time na nakareceive ako. First nabigay last August 2026. Pumunta sila sa workplace ko to give the letter and ask for updates sa personal info ko.

16 months overdue. Last payment done was May 2025. 40K yung amount payable ko before ko sya di nabayaran.

I have no intentions or plan na takasan ito. Wala lang talaga akong pera sa ngayon. Im afraid kasi pumupunta na sila sa workplace ko, para ibigay ang letter. Baka ipagsabi na nila yung utang ko sa officemates ko. Mag-a-ask nadin daw sila sa HR namin.

For the context: I was diagnosed with Cancer last June 2025. Due to intensive treatment (Surgery, Chemo, Radiation, Physical Therapy), my finances was really exhausted. I just get back to work last March 2026, while on immunotherapy treatment which also costs me 35K every 3 months.

I plan to pay it once I finish my treatment.

Ano ba pwede kong gawin?

Hello, first time ko po mag redeem ng mabuhay miles sa metrobank app. Gaano po kaya katagal bago pumasok? 3 business days na kasi. Thanks.

(0998) 597 0764

Is this an accredited cs on verifying information on Chinabank CC? I applied last last week Freedom Card in their kiosk on sm supermarket (I didn't qualify for Home Visa CC instead I chose to get Freedom). Just wondering if anyone experience this?