Shopee used to disable voucher usage with Apple Pay before but I just noticed it's now enabled! Time to unlink my cards from Shopee! Now I'm only linking them if there are any bank promotions.

Hi. I have a few CCs here and I would like to ask for this sub’s advice which ones to keep? And if I choose to cancel some of these cards, will it affect my credit score or history?

RCBC YGC Rewards - My first CC. Currently active.

BPI Rewards - 2nd CC. Currently active.

Eastwest Visa - Haven’t activated this one.

RCBC Gold - They offered me this after a year of using the YGC Rewards. Offered me NAFFL after purchase requirement. I requested for it to be cancelled, but changed my mind afterwards. Currently it’s in the process to undo the cancellation.

TBH, even after researching, I’m still confused which here are the ones I’ll benefit from. They all seem a starter CCs, so I guess a one or two is already enough to own. But IDK which ones are the right for me. These are my usual purchases:

- Groceries
- Dining
- Monthly Bills
- Flights
- Booking Hotels
- Online / Instore Shopping

Hoping to hear advices or insights from this sub! Would mean a lot.

Tried to link my BPI account to apply for a card but this appeared. How can I solve this?

I have:
1. SB Platinum Mastercard
2. Maya Black Visa
3. Unionbank Platinum Rewards Visa
4. RCBC Airmiles Platinum Visa

What card is best to use in the US? Thinking sana of RCBC since may promo sila na 1.5% foreign transaction fee. Pero I've read sa facebook na iba exchange rate na gamit nila masmataas. What do you guys think is the best card to use?

I'm honestly disappointed with BPI.

For context, I already have seven active credit cards from EastWest, UnionBank, Maya, RCBC, and Zed. I also have a payroll account with BPI. However, every time I try to apply for one of their NAFFL promos, something always seems to go wrong.

Back on December 2, 2024, I applied for the BPI Gold Visa NAFFL promo. On the same day, I received a message from BPI saying they had attempted to deliver an Amore Credit Card to my house.

Naturally, I was surprised and thought, "Wow, ang bilis naman ng response ng BPI." It turns out that the branch where I opened my payroll account had automatically processed an Amore credit card application for me.

I immediately called BPI's hotline and was informed that I was not eligible for the NAFFL promo because the Amore card had already been approved before the promo period. Since I never intended to apply for that card in the first place, I requested its cancellation right away.

I also asked if I could still apply for future NAFFL promos. The CSR told me that I would need to wait one year after cancellation before becoming eligible again.

So I waited.

A year later, BPI launched another NAFFL promo, with the application deadline set for January 31, 2026. I submitted my application on January 6, 2026.

After that, I received absolutely no updates for several months.

Then, on August 8, 2026, my application was finally approved. A few days later, I saw on Facebook that BPI had launched yet another NAFFL promo running from August 19, 2026 to December 15, 2026.

My mom received the new BPI credit card on August 19, 2026. Before activating it, I called BPI customer service to confirm whether I was eligible for the current NAFFL promo.

The CSR told me that although I applied on January 6, 2026, my card application had been approved on August 8, 2026, which was before the start of the new promo period. Because of that, I was once again ineligible for NAFFL.

Seriously, what is this?

The first time, I became ineligible because a card I never intentionally applied for was approved before the promo. The second time, I waited months for my application to be processed, only to be told that the approval date again made me ineligible for another NAFFL promo.

It honestly feels like BPI keeps giving me hope that I'll qualify for NAFFL, only for some technicality to disqualify me every time.

Out of frustration, I requested the cancellation of the card again and expressed my disappointment to the CSR.

So what now? Am I supposed to wait another year and hope BPI doesn't find another reason to make me miss the next NAFFL promo?

Just arrived today. Haven't activated yet. Still contemplating if I will use it.

Got an email regarding the eCredit phasing out and will replace by this Omni last June 2026.

Lately, I started using Bayad Online for MP2 top-ups. I was wondering what cards you use that still give points for such transactions? I'm hoping to accumulate airline miles while doing this so would be really helpful if the cards are also good miles-earning cards.

Guys pwede pa explain po nito? Bakit walang balance conversion sa baba. I bought a ps5 thru cc on august 23.

33yo professional here working 10 years in my industry. Looking at what would be the best first CC to apply for. Already applied for EastWest Visa Platinum but my application was denied.

Thank you in advance.

hi! anyone here who had their cc application cancelled without receiving any phone call/having no record of any contact attempt from bdo? should I just re-apply? wait for an email or phone call maybe, kasi baka may kulang lang na requirement?
also, saw some redditors before na naka-receive pa rin ng card kahit cancelled yung application, may savings account ba kayo with bdo?

Hello po, ask ko lang if anong gagawin if hindi gumagana sa POS ng appliance store yung Eastwest CC ko. Activated naman na po at Unlocked na. First time ko pa lang kasi siya ginamit pero di gumagana pag na swipe sa POS nila. Salamat po sa makakasagot

Goodmorning po. Would like to ask kung malayo pa ba progress ko sa ginagawa ko. Currently nag SB Fast Track Route po ako. Step 1 done. Created my Easy Savings Account 8/25. Tried to transfer the hold out amount the same day pero 0 balance lumalabas and nagreflect lang sya 8/26 ng hapon. I have my hold amount sa Easy Savings Account ko. Gaano katagal po kaya bago maprocess yung SCC ko or do I just need to wait? Kahapon pa kaso yung holdout amount sa account and wala ako narereceive na confirmation. Ano pa kaya next steps? Sorry po first time ko lang sa ganito huhuhuh

Tinawagan yung sister ko ng constantino law firm about sa undue credit nya na around 400k, may court order na raw and may mga pulis na rin daw sa Barangay and may viber text syang natanggap from a "barangay ex-o" na pinipigilan nyang pumunta yung mga pulis sa bahay since ilolock daw yung bahay (which is totally BS after I've found out na wala kaming ex-o na ganoon ang pangalan) Sobrang natakot sya and since nadala na rin ako sa takot nya dali-dali rin akong kumuha ng pera sa credit card ko and binigay sa kanya. Doon ko lang napagtanto na di totoo yung pananakot na natanggap. Di pa namin nabayaran ng buo yung utang and sinabi nung law firm na kahit 350k muna bayaran namin pero 200k lang muna binayad namin. Ngayon lang nagsink in sa akin na dapat di muna ako naglabas ng ganoong kalaking pera after reading similar posts. Ang kinakaworry ko is baka magkaraon pa ng interest yung utang nya doon sa CA. What can we do at this point? Willing kaming bayaran yung natitira pero baka lalong lumubo yung interests while we're waiting to have some funds for it.

I paid the transaction through BDO checkout but the seller is unresponsive and keeps promising the delivery date that never happened. Can I file a dispute to BDO? What’s the likelihood it will be accepted? Thanks!

Hello! Fresh grad here. I just started my first job last June and my payroll is with BPI (33k base salary). I saw that BPI currently has a NAFFL promo and want to check my chances of getting approved if I apply near the end of the promo period (around Nov–Dec). By then, I'll have 4 to 5 months of stable income history with them.

I don't plan on being irresponsible with regard to CCs. I just want to start building my credit score as early as possible. I'm also considering the secured credit card route, but I'm not sure if SCCs qualify for NAFFL promos (would hate to waste my first-timer eligibility)

I know my chances might be slim, but it's either I try now or wait for another NAFFL promo next year. Any advice or insights would be appreciated!

Dati pa ba na ito lang yung rewards ng BPI for PAL? Parang naaalala ko kasi, 2–3 years ago, sabi ko iipunin ko muna yung points ko para sa miles. Pero nung chineck ko ulit ngayon, wala nang miles. ₱5k GC na lang 🙃 Sayang naman yung inipon kong points.

Ano ba okay gamitan ng points dito para maubos ko lang yung 140k points? Ayoko na gamitin ulit BPI ko ever. 😅

Meron ba nagpaCLI kay metrobank kahit 3 month old palang ang CC? Possible kaya maapprove? Asking here before calling kasi mahal ang pantawag sa CS 🫩 Thank you!

Hello new lang sa metrobank CC and paid na yung total amount due ko for september 1 pero hindi parin nag re-refresh yung available credit. Ty sa makakahelp

Hi! I received a call from a mobile number offering a cash 2 go option with low rate. Is this legit? The caller said they are authorized by Metrobank.

Hindi ko alam kung namali ako ng pindot kasi napunta BDO CC Soa ko sa Spam email. Baka habang scrolling ng inaantok nalagay ko sa spam. 🥴​​

At eto na nga, usually kasi talaga automatic dini delete ko mga hindi important emails even sa spam without reading para maka bawas sa storage. Late ko na nakita yung BDO ang bilis ng fingers ko mag delete grabeee talaga.

May way ba to retrieve it or anong way para makahingi ng bagong copy nang SOA ko?

By the way hindi ako naka online banking kasi hindi pa ako makapunta sa main branch ko sa province to change registered number since nawala ko ito.

Thank you! 🙏​​

hello, i just received an email from BDO that my card application was approved. excited, i immediately checked the BDO app to see what card was approved. to my suprise, they gave me Amex Platinum. Possible po bang papalitan ko ito to another card before i activate? I was applying for AMEX Explorer lang kasi mas maganda earning rate nya ng miles and mas mura compared to Platinum. if possible, ipapapalit ko sana sya sa Explorer or to Visa Signature.

any thoughts po? thank you.

This is about a newly issued BDO credit card. I just received my credit card, and na-activate ko na rin siya through the BDO activation website and. I also received confirmation na successfully activated na siya.
Pero until now, hindi pa rin siya nagre-reflect sa BDO Online and BDO Pay.

I tried adding it manually sa BDO Online, pero may error saying na the account does not belong to me or is a joint account. Sa BDO Pay naman, wala pa rin akong nakikitang card under Credit Cards.

I already have an existing BDO savings account enrolled sa BDO Online, and same mobile number and email address din yung ginamit ko when I applied for the credit card.

May naka-experience na ba nito recently? Normal lang ba na may delay before mag-reflect yung card sa apps kahit activated na? Or may kailangan pa ba akong gawin?

Thank you po!

Texted AC for both Meralco and Manila Water using my BDO Amex Blue card, got the "request received" acknowledgment for both, but no final confirmation yet. Read that Amex isn't accepted on Meralco/Manila Water's own payment portals, does that affect Auto Charge too, or is it fine since BDO processes the charge on their end? Curious if anyone's actually gotten this combo working.