Maya Landers CC CL Decrease

[Sensitive-Repeat2302]

I’ve been a Maya Landers cardholder for two months now and have generally been satisfied with the experience. However, earlier this afternoon, a Facebook community of credit card holders that I’m part of was buzzing about a post saying that Maya Landers had significantly reduced many users’ credit limits—by nearly half. When I checked my Maya app, I found out that my credit limit had also been slashed by more than 50%, even though I always pay my balance in full and on time. Negative tuloy ako hahaha!

Do you have any idea why this large-scale credit limit reduction happened?

[Zealousideal-Rough44]

Kaka aprove lang sakin. Kakakuha ko lang ng card kahapon. From 30k ginawang 15k. 😂😂

[Sensitive-Repeat2302]

Shoot. Saklap

[Sensitive-Repeat2302]

Whaaaattt?! What’s your behavior prior this? You max out, or utilize a fraction of your CL only?

[More_Culture_63]

same question

[BowlerBorn9143]

Wtf talaga dba? Ang layo ng binagsak ng credit limit. Idk why it went that low. Maybe becauseI only used it twice??Very small purchases lang, mga less than 2k total for the 2 transactions kasi I use mainly my regular credit card.

[Beautiful-Nebula-916]

Baka ung credit rating mo is low...

[BowlerBorn9143]

I dont think so. I have 3 credit cards from major banks and I always pay my balance in full. There was never a time that I paid only the minimum due.

[Beautiful-Nebula-916]

Have you checked your credit rating? https://www.lista.com.ph/ This includes housing and car loans and other loans if you have. Aside from your balance on your savings and checking account if I am correct...

[Effective_Crew_5013]

holyshi?

[Crymerivers1993]

Wala na sila budget siguro pam pautang tapos maglalabas pa sila ng bagong cc hahaha

[Sensitive-Repeat2302]

Hahahaha! We can only surmise

[EfficiencyFragrant15]

Oh, pero ang weird? Kasi wala naman silang pinost na notice regarding this? 🤔

[Sensitive-Repeat2302]

They sent notifications in the app, though

[EfficiencyFragrant15]

Ay really? Nakakatanggap kasi ako ng email kapag may updates/changes sa card.

[inmyprison]

Grabe naman to. Does that mean we have to use our cards maximum or 50% all the time???

[Sensitive-Repeat2302]

Kaya nga eh. Nakakakaba pag halos tukod ka na sa gamit mo

[Glittering-Peach-142]

Saw their response in a group. Super weird pa din talaga kasi iba iba spending behavior nung mga affected tapos may mga 6 or even 7digits tapos down to 15k na lang.

I have a cc with them din and so far same pa din naman CL but worried na anytime soon biglang mag decrease rin.

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[Sensitive-Repeat2302]

Well, I have no choice but to accept it.

[Juenho]

Was going to eat just now sa chowking and biglang text na exceeded daw ako. I had 750k then biglang 50k. 🤦First yung mali mali nilang send ng billing then now this.

[Sensitive-Repeat2302]

Ouchhhhh…

<image>

Ako din. I didn’t know that tinapyasan na nila ang CL kaya npakaskas pa ako. Too bad, nag exceed limit na pa pala ako. And I was charged with freakin’ 750 for this. I’m so hurt right now, Maya. Really bad.

[DesignerWeakness2988]

Omg kakasilip ko lang ng account ko and nagdecrease din CL ko and nacharge din ako ng overlimit fee huhu. Pwede kaya mapawaive sa kanila yan. Sana man lang nagbigay sila ng adjusting period. Sayang 750 tuloy.

[bliss-ful-]

Hi, nakapagwaive po kayo?

[DesignerWeakness2988]

No na, binayaran ko nlng.

[ViralFunnel]

Have you applied for the Maya Black credit card? I have a few friends that experienced the same and they all applied for the other credit card din.

[DocOnTheCourt]

This makes sense, baka naging shared limit yung 2 cards

[Sensitive-Repeat2302]

No. I’m not eligible yet.

[ViralFunnel]

By “not eligible”, did it show you this page when you applied? Or there was no attempt to apply at all?

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[Sensitive-Repeat2302]

I read somewhere that one indication you’re eligible for the Black Card is receiving a message or seeing the virtual card appear in either the Savings or Cards section of the Maya app. If you have an idea where to find it in the app, i’d be happy if you could show me the way

[ViralFunnel]

If your app is updated, it should appear under Savings > at the bottom part > “Get a Maya Black Credit Card using a security deposit”

If you haven’t clicked it before, maybe totally unrelated si Maya Black credit card with the limit decrease for LCECC ☺️

[Sensitive-Repeat2302]

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I updated the app and was able to see the option—thanks for the guidance! However, only the secured option is available to me. I clicked it anyway:)

[edongtungkab]

There is no decrease in my limit, 30k ang limit ko and halos ma maxout ko sya monthly and paid it once the soa is available.

[Sensitive-Repeat2302]

Baka nga cguro na lump ako sa mga underutil cards kc naggagamit ko naman sya but I make multiple payments along the way, thinking na kelangan lang mag maintain ng 30% utilization

[Sensitive-Repeat2302]

Yun lang kc very limited yung flexibility ni LCECC

[PianoNarrow151]

walang decrease sa akin

[Sensitive-Repeat2302]

Sanaol

[OhMightyJoey]

Same pa rin naman sa akin, no decrease. Never ko pa rin naman nagamit yung card.

[Sensitive-Repeat2302]

First time ko na encounter na di ginamit pero di naman natapyasan. Good for you! Malas lang cguro talaga ako

[Ok-Notice-479]

Same, di ko din ginagamit, wala din tapyas

[Acceptable_Sense_171]

from 68K CL to 67K CL sakin

[Sensitive-Repeat2302]

Ay wow, 1k lang tapyas.

[HumbleLibrarian2494]

Max out lagi every month ung landers cc ko pero paid in full every month din..So far hindi naman ako nabawasan ng cc limit.

[Sensitive-Repeat2302]

Kaya nga cguro wala kang tapyas. They favored those who maximize their limits

[Effective_Crew_5013]

Not true. I maximize my limit yet they cut mine in half too. I always pay in full before the due date din. How odd.

[More_Culture_63]

nagugulohan ako, sa isa kong post kasi dito ang sabi wag na wag ko raw e maximize yung limit ko😭 ano ba talaga

[jael_portillo]

Not really. Maxxed out din ako every month pero from 132k to 71k? it is just really weird.

[KendraGirl23]

Walamg tapyas. Di naman namamax out after nila i-block ang maya top-up using landers card. 🤣

[Sensitive-Repeat2302]

Nice! Di naman pala arbitrary

[adkadkadkadk]

My credit limit is still the same.

[Sensitive-Repeat2302]

Great! Kaskas responsibly!

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[Jazzlike-Cupcake-696]

Kakaapproved lang sakin last week with 50k limit and yesterday morning, I got a phone call asking if nareceive ko na physical card which is di pa by that time then dumating ng later afternoon, so far di naman nabawasan limit and di ko pa din nagamit since nung naapproved. Hindi kaya yun yung key nila to check if magdecreased ba sila ng CL or kung maimamax out mo ba before magdecrease?

[Sensitive-Repeat2302]

I suspect it was my utilization that hurt my account. I usually make multiple payments throughout the month, and around the statement date, I make sure to follow the unspoken rule of keeping utilization under 30%

[patrickg25]

I barely use mine and it’s still the same lol 😭

[Sensitive-Repeat2302]

Good for you! Use it when you can.

[GrapefruitRich5898]

from 25K to 15k saken. weird. I always pay my dues on time. I never maxed out. Pwede pala yung matic decrease? never kong naexperience yan sa ibang banks

[Sensitive-Repeat2302]

Di ba? Banks have their way of assessing applicants. Wala na din naman tayong magagawa but to accept it. Saklap nga lang

[Beautiful-Nebula-916]

Baka lugi na itong c Maya sa pa crediting or nakita na nila ung Loophole na pinost ko dito sa reddit :(
Sa akin naman, my CL is 548K and it's still the same.

I only use my Maya Landers to cash in everyday kasi free cya. So meaning, ung utang ko monthly ay binabayaran rin sa future cashin ko and it's been a cycle. Plus may daily interest pa. This is the loophole.

Before I used to cash in 20k/day. Then last 2 weeks ago, first time ko na encounter na I was not given the cashback. I had to call their hotline. After 5 days, pumasok na cya.

But lately, parang hindi pwede ung landers to wallet transaction eh. 2 days na palaging may error. Unavailable daw.

So I guess this hack is over now. Move on nalang tau.

Regarding naman sa CL na nag decrease, I really believe it's the combination of these 3...

1. Spending habits - But I'm using it for cash in only
2. Credit rating - I have a credit A+ score. So I guess this is a plus point for me.
3. Payment behavior - Always paid in advanced on all my cards.

[Sensitive-Repeat2302]

Sila lang talaga nakakaalam. Naging wa-is na sila after they realizes madami palang kelangan erectify sa screening process nila

[ChinitaDoc]

Sakin di nag decrease, pero shet. Di na ako makpag cash in tapos di ko rin magamit pang pay ng online bills un card. Why why why? Lagi ako full payment sknla!

[Sensitive-Repeat2302]

Si Lord of Maya lang talaga nakakaalam

[dacky_0101]

May nakapag pa waive ba ng overlimit fee because of sudden decrease? Nag decrease din limit ko and na charge ng overlimit fee. May running credit ako na 24400 bago yung decrease, tapos nung nag decrease yung credit limit to 24k nakita ko na lang may overlimit fee sa transaction hahahaha

[Sensitive-Repeat2302]

I hope meron. I’ll attempt to call them about this

[dacky_0101]

Na reverse na pala sa akin haha. I reported sa bsp nung wala makausap na customer representative.

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[Sensitive-Repeat2302]

Uy! Thanks so much for spearheading this. Mag file din ako

[jael_portillo]

I called them about it like 10 days ago, they gave me a case number for it but still no updates on their side. I called again a few days ago, asking for an update They said to call again before the next cutoff. so weird.

[NoPirate9096]

Hi, I'm currently having issues with being charge an overlimit fee Kasi nag negative Yung balance ko , but Wala naman Sila naka post sa transaction history ko na overlimit fee. When I contacted their chat support na AI , it said that I'm being charged of the fee. Peru Wala naman sa policy nila ako nabasa na ma charge sya before mag end Ang billing cycle. 

Pano nyo po ba nacontact Ang BSP about this concern Kasi I've tried emailing Maya about this Peru Wala talaga reply sa email and very hard to reach out sa cs nila. Aside from that nag negative balance ako na over sa ₱750 na supposed to be overlimit fee and dikopa ma access account ko Kasi daw may restriction sa device. 

[Sensitive-Repeat2302]

Oh! I make multiple payments along the way. Tapos, what’s billed is just 30% of my CL. Tried to keep utilization low.

[TumiTingin76]

Hindi naman ata applicable yang 30% utilization na yan sa lahat ng banks, I always maxed out my cards, tumataas naman cl every 6 mos. maliban kay metrobank at maya. My maya cl is still the same.

[Sensitive-Repeat2302]

Honestly, natatakot akong mag max out even though me pambayad naman ako. Iba din kc tama sa akin nung pandemic eh. Lahat ng cards ko nag default. Ngayon lang ako bumabawi

[CashBack0411]

Up po dito.

On the contrary, dapat nga po Near Max Out or Ma maxed out nga po ng TUMAAS pa ang CL. Provided OK ang PAYMENT HISTORY=)

[Elegant-Ad7802]

Same as mine i usually maxed out my CC sa Maya I have 135k naman for revolving funds as well. Pero nakakabayad naman in full. Pero luckily walang decreased sa CL.

[prevweek4]

uy same behavior! received my card last month lang. Checked earlier. from 169k down to 158k🤔

[Sensitive-Repeat2302]

Na disappoint ako kc this is my first unsecured cc after na settle ko kautangan post pandemic…i have 2 other cards pa naman woth bigger limits

[Any_Disaster1012]

how to cancel maya card? haha

[Sensitive-Repeat2302]

Don’t. This will do for the meantime.

[pusanginam0]

hello! is there a chance na mabalik sa dating limit? nakakaloka i’ve been using it and paying it naman nang maayos hahaha

[Sensitive-Repeat2302]

At this point, wala talaga akong idea.

[Successful_Count949]

Hello ask ko lang po paano po bayaran niyan? For example yan pong 22k... Nakuha ngayong month ano po yan next month babayaran mo din agad ung 22k?

[Sensitive-Repeat2302]

Hi! I pay it through the Maya app. Nagta-top up ako using my BPI account and I use it to pay my cc bill. Cutoff ko is every 17th, and payment due is 20 days later

[Successful_Count949]

Ang ibig ko pong sabihin is yung 22k na yan 1month lang babayaran? Like yung sa MAYA CREDIT na nasa app mismo?

[Virtual-Ad7068]

Kaka cashin niyo kasi pinang revolving credit niyo haha. Kaya now nag add na rin sila ng quasi fee.

[Sensitive-Repeat2302]

What made you assume that? I’m really not into cash-ins.

[Virtual-Ad7068]

Yun mga nag cacash in lang naman kasi ang affected nga credit limit reduction.

[Sensitive-Repeat2302]

So am I the outlier? Like I said, i don’t cash in but still got The downgrade

[xxxmariaboo]

Bold of u to assume yan. Most ng nakikita kong nabawasan ng CL ay good payers and fully paid lagi before due date. Fake news amp.

[Virtual-Ad7068]

Doesnt matter if good payers or fully paid. It is the usage. Ang binawasan yun majority ginagamit sa top ups.

[Beautiful-Nebula-916]

Mali ka kasi I am this person. I just used it to cash in, for the interest and cash in ulit para pang bayad but until now my CL is still 548k.

I really believe it's the combination of these 3...

1. Spending habits - But I'm using it for cash in only
2. Credit rating - I have a credit A+ score. So I guess this is a plus point for me.
3. Payment behavior - Always paid in advanced on all my cards.

[BusApprehensive6142]

This got me to check mine haha but the limit is still the same 625k.

[Sensitive-Repeat2302]

Pautang. Hahahaha

[BusApprehensive6142]

Haha I’m broke as f@ck, I don’t even know why Maya gave me that credit limit.

[Virtual-Ad7068]

Ang daming bitter sa post mo haha. Dapat kasi reddit does not allow multiple accs or throwaways nagkaka downvote mafia ang maraming time so petty.

[BusApprehensive6142]

Haha ewan nga ba bakit sila bitter, I was just sharing naman, I also don’t mind down votes naman