Forum Topic

Credit Card 101

  • @kulot
    kung di mo kaya bayaran in full, dont waste your money paying finance or interest.
    isa-isahin mo keep yung statement, starting the last time you paid them. tapos yan gamitin mong amount na babayaran mo sa bank, once they send it to credit services / firms kung san ipapasa ng mga banks. yun ang bayaran ng installment, this way wala ng interest and/or finance charge. imo wala ng sense pilitin kung di mo na talaga kaya.
    eto naman option 2kung mababayaran mo naman yan within several months at sigurado ka bago mapasa sa credit servicea eh bayaran mo na yun minimum, then full payment pag naka recover na finances mo.
  • ot.. pero bakit ayw gumana ng metrobank debit card sa shopee? na-register ko nman pero laging payment failed.. tumawag ako sa shopee dpat dw i-update mobile number ko sa bank.. pinuntahan ko ung branch kung san ko in-open ung account.. di nman dw and updated nman dw number ko.. sabi gagana dw dpat un.. pero ngaun snsubukan ko ayw pa rin..
  • card number ay cvv lng nman dapat eksakto ang ebtrada.
  • may cc application nanaman ako hindi ko naman inapplyan nag email si metro bank saken :3
    tapos nag ci pa sa office ko hindi ko alam langya XD
  • ot.. pero bakit ayw gumana ng metrobank debit card sa shopee? na-register ko nman pero laging payment failed.. tumawag ako sa shopee dpat dw i-update mobile number ko sa bank.. pinuntahan ko ung branch kung san ko in-open ung account.. di nman dw and updated nman dw number ko.. sabi gagana dw dpat un.. pero ngaun snsubukan ko ayw pa rin..
    OT but quite relevant. -- relevant in such a way that debit card is NOT a credit card. and its function will never be the same as a credit card. for one, you can't use a debit card as an instant payment method, since it will require a PIN, so if the facility doesn't have a way to input a PIN, then it will fail.

    as for shopee (your original inquiry), I had the same problem before, and that is when I use the app, then I switch to a computer using a browser, you can continue with the payment process -- the difference I saw was that the app was not redirecting to the OTP/PIN page, but the PC redirects it. -- so if you are using the app it may have been a bug on shopee's side, if you are using a PC, then it also may have been a bug (either way, I'm inclined to believe that it's a shopee bug, and not a Credit/Debit card problem)
  • I'm inclined to believe that it's a shopee bug, and not a Credit/Debit card problem


    Yes. Seems like it. There are lots of incompatible debit cards with Shopee while some are intermittently working. I myself have encountered a similar "Payment Failed" problem with Shopee using my Grabpay debit card during the 10.10 sale. I have raised the issue both to Shopee and Grab support, and the response of Grab have solved it. I've just retried the payment a few hours later then it just went through.


  • may nagtext regarding sa application mfree card application ko, tatawag daw pero 5pm kona nabasa text.
    anyone experienced this? totoo ba ito
  • mejo mababa binigay na limit sakin ni BDO, halos 1/3 lang ng iba kong card
    yun pa naman sana gagamitin ko for loan pang-renovate ng bahay ni parents

    may nakapag credit to cash na ba sa inyo na close to credit limit?
  • may nagtext regarding sa mfree application ko, tatawag daw uli. anyone exoerienced thiis?
  • Hayyyzzz yung BDO nag back to sender yung NAFFL na card na ni applyan ko ha, another 17days waiting. Wrong address daw e napaka impossible ako mag kamali doon. Dumidiskarte ata si LBC sa pag dedeliver ha. :D
  • [quotemay nakapag credit to cash na ba sa inyo na close to credit limit?][/quote

    In my case oo, halos di nga nabawasan cc limit ko kasi yung ginamit siguro credit madness limit which is 100% ng actual credit limit ko.
  • @artie
    bro sa metrobank 90% of available credit limit
    bpi naman lampas pa, wayback pero naka bpi madness
  • Salamats mga sir!
  • Pag nag apply bako sa mga installment plans yung entire installment amount ba mababawas agad sa credit limit then unti unting mababalik until fully mabayaran?
  • yes
  • nagtetex parin rcbc to activate their card bka sinhilin ako ng annual fee ilan years na ito pinadala sakin.
  • Block mo na lang
  • the difference I saw was that the app was not redirecting to the OTP/PIN page, but the PC redirects it

    seems like it.. i used a bdo debit card instead, received the PIN via text, and continued with payment on the shopee app..

    btw just checked bdo's cc promo page, and in the post it says there to avail of naffl just need to "Meet Spend Requirement of at least Php30,000 within 90 days from card approval using your new BDO Credit Card"..

    so, is that a one time thing? or do i need to spend 30k every 90 days?? i received kasi via mail a titanium cc from bdo earlier this year (didn't apply for one) and kept receiving texts to activate it.. i might consider if it's one time 30k lng, then just keep the card active.. whether qualified sya sa promo or not (since it was issued earlier this year), i'll have to call bdo about that.. also, say in-activate ko ung card.. can i add it to my bdo online account, then put a limit on the amount i can use? similar to how u edit the settings on ur debit cards? i think it's under card settings/options.. masyado kasi malaki ung credit limit..
  • ^
    Yes sa one time 30k spend, pwede rin balance transfer or credit to cash

    Yes sa pwedeng i-add sa online, kasama ng ibang deposit account

    No sa pwedeng i-set yung limit. Pwede mo lang ata i-lock yung card
  • Ask konlang 1 week na transaction ko sa food panda till now di paren posted ano kaya posible cause non
  • ^ naexperiece ko na din yan. Nothing to worry about.
  • Pano ba ang convertion ng citi ng usd to php?
    Bumili kasi ako sa amazon us ng nintendo eshop 35 usd voucher.
    1,700+ sya nung pending. Pero naging 1,800+ nung actual na
  • ^^^

    As per Citibank web site:

    All charges made in foreign currencies (whether online, overseas or local transactions) will be automatically converted to Philippine Peso on the posting dates at the prevailing exchange rate determined by Mastercard®/Visa. For transactions in foreign currencies other than US Dollar, the amount will first be converted to US Dollar before being converted to its Philippine Peso equivalent. A fee of up to 3.525% will be imposed on the converted amount which represents our service fee and assessment fees charged by Mastercard/Visa.
  • just got this message

    APPLY NOW for a new Metrobank credit card and enjoy NO ANNUAL FEES FOR LIFE! Just spend at least P20,000 within 90 days from card approval date.

    nakita siguro ni Metrobank yung NAFFL ni BDO
  • text din saken ng metro bank yan pero sabi nila may paparating na card daw ako without application hahahah

    pang 3rd card ko na to, inawayan ko lang rcbc

    weird ng transaction ko sa food panda nawala na yung transaction hindi na post tsk tsk
  • ^ buti nga sa yo nawala yung transaction. Sa akin nadoble naman. Hehe. I tried resolving sa food panda mismo and inamin naman nila na sa side nila ang issue. Matagal lang process ng reversal.
  • baka naman mamaya ma doble pag posted ulit tapos pahirapan nga din mag reverse sa ganyan hahah kaka konsensya kasi babayaran ko naman hehehe
  • pang 3rd card ko na to, inawayan ko lang rcbc
    ako naman, good exp sa rcbc. Naka platinum card ako sakanila kahit wala pa 100k limit ko. LOL
    Ang mga perks ko so far:
    - may parang privilege ako kasi may ibang landline number for premium card holders. Wala na voip, sagot agad ang CSR sa calls ko.
    - kapag may online purchase ako na bigger than 10k, naho-hold muna tapos tatawagan ako to check kung fraudulent
    - unli 0% option (0% interest and 3 months to pay) sa lahat ng purchases above 3000 php ata. Yung GPU ko dito ko chinarge, tapos ayan, divided by 3.
    - NAFFL
    - Convenient din bayaran bills kasi no additional cost pag paid via BDO app, tsaka sa mga napuntahan kong branches, maikli pila nila.

    -- edited by blue_apple_pencil on Nov 10 2021, 09:20 PM
  • unli 0% option (0% interest and 3 months to pay) sa lahat ng purchases above 3000 php ata. Yung GPU ko dito ko chinarge, tapos ayan, divided by 3.


    applicable yan sa lahat ng RCBC credit card. no minimum purchase required. may babayaran ka lang na conversion fee depende sa amount ng purchase mo. basta below 10k, 100 pesos fee yan.
  • ooh applicable pala to sa lahat. akala ko pang plat lang.

    Binago na nila yan paps, 1% na ata conversion fee regardless.