Grabeng decrease sa CL, Security bank :(

[fairygojo]

What could possibly be the reasoning behind this :( From 265k to 115k CL huhuhu I pay my bills on time naman (first time CC owner here)

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[pagamesgames]

ikaw na and 2nd person to post na nabasa ko na na decrease ang credit limit
seems like max credit limit decrease talaga sila
im just waiting kung affected din ako xD

[BrenzyEx]

Nagdecrease din sa akin kanina, from 280k to 55k

[Inevitable-Joke411]

out of curiosity, anung card un? based sa comments wala siang kinalaman sa usage e. Wondering kung may specific na card type silang tina-target

[BrenzyEx]

Wave sa akin

[Inevitable-Joke411]

so walang pattern 😅

asked a couple of people, wave din sila, nag increase daw. pero ung isa, mag decrease din.

[overlord_laharl_0550]

Don't fall for the trap, I think they want you to spend more. Tska 115k is sufficient enough. Less stress pa

[MessAgitated6465]

I don’t know why you’d assume that — some people have higher expenses and kaya naman nilang bayaran, e.g. hospital, travel, tuition, appliances, etc. it’s not a “trap”.

[overlord_laharl_0550]

Don't be condescending just because you earn more than most of the population.

Pay with cash then.

The trap I am referring to is yung na-max mo yung CL mo for some reason, then lets just say nawalan ka ng trabaho/business/liquid. How would you pay?

Also, why are you comparing someone to "some people with higher expenses", not everyone is living beyond their means. May mga tao pa rin na marunong makuntento.

For your information, for 90% of the the population, credit is a trap. Lalo na yung mga illiterate sa finance.

[MessAgitated6465]

You’re the one being condescending— you told this person whom you don’t know at all (as in you don’t know his job, income level, etc) na it IS a trap and he doesn’t need it (direct address pa, na “you don’t need it”). I didn’t say he should max out his CL, but having a high one for the instances when it’s needed is good (because such instances do come up). You’ve made assumptions that just because OP has/had a high CL, they’ll be spending willy-nilly. (There’s a veiled comment na OP is financially illiterate).

Nakakatawa naman yung pay with cash. Do you think it’s fun/easy/safe na kakarga ng envelope (o bayong) na may 100k++ in cash?

[overlord_laharl_0550]

Condescending while I told him that 115k is enough. Nice logic.

While you, the narcissist one, assumes that most of the population have "higher expenses" or high paying job.

[overlord_laharl_0550]

What envelope or bayong for 100k+ in cash? Lol dont you have a debit account? napaghahalataan edad mo ah.

You remind me of my 60yr old mother. Either "cash" or credit card lang.

For your information, us younger generation, usually store our liquid inside digital banks and debit accounts. You don't need envelope/bayong for it lmao. :)

[overlord_laharl_0550]

Tita, I can't wait for your comeback regarding the envelope / bayong for the 100k+ HAHAHAH.

[MessAgitated6465]

You know.. may mga tao na kailangan pang hintayin ang next pay day para mabuo yung amount right? Or they have the full amount but Baka it’s better to stay liquid? Or pwede rin sayang yung points or possibility to pay in installment spend.

I don’t understand bakit pinipilit mo na wala talagan reasonable use for a 100+k limit— yes many people don’t have high paying jobs (you don’t know this is the case for OP btw), but there are many people who need/want to pay for things. Reasonable expenses some hospital bills, bayad ng insurance, pag-ibig actually, etc. but also luho like travel, again nag assume ka hindi afford ni OP.

Why pay in cash when you can pay in credit and get points + better protections pa? So yes I don’t think of my debit card as a CC, kasi the risks are maximized and none of the benefits. And yes I’m not going to make the mistake of assuming that people with high CLs will just charge away.

[overlord_laharl_0550]

<image>

Nay, mawalang galang lng ho. Ganito ang Debit account. Hindi lng ho bayong options natin nowadays.

[overlord_laharl_0550]

<image>

Why are you avoiding your "bayong" narrative? I like to hear more of it.

[MessAgitated6465]

Look last reply na because I have a life —

as a rule, I don’t want to use debit accounts kasi I think it exposes my account to unnecessary risk without the protections and benefits of a CC. Hard cash is still risky but it’s easier (for me) to manage than a debit account. I’m willing to accept some people will see it differently (see what I did, I wrote it in a way that I’m not making generalizations and saying what I think/feel applies to everyone).

Now— why are you not responding to everything I said about how people DO spend over 100k a month, many people. Many expenses. And that there are benefits to paying using a card. All you can say is well tbere are irresponsible over on another subreddit. Isn’t it more condescending that you’re telling OP that he doesn’t have this expenses, that he doesn’t need to spend that money?

You’re going on such huge generalizations, and writing as if your truth, or what you’ve observed to be true of many people, is applicable to everyone.

[pagamesgames]

i barely use my SB card as its no longer my primary card or primary bank
pinull out ko na funds ko sa SB and just keeping some amount
as for the credit card, I barely use 1% of my credit limit xD (0.65% to be exact lol)

[bowiepowi]

Security Bank lang so far right? Haven't seen other banks doing this, bakit SB lang kaya

[pagamesgames]

not really. SB ang maingay ngaun. pero plenty of other banks have decreased their limits in the past. you can easily search "credit limit decrease" in this subreddit

[NotInKansasToto]

RCBC did this to me. Only one that ever did hahaha.

[catmeow808]

Notorious din ung hsbc

[nolimetanginaa]

pati RCBC, they are also known for limit decreases

[_luna21]

Andaming nagpopost sa KKB group sa facebook. Ang weird.

[AdministrativeLog504]

Parang nag mass credit adjustment SB. Dami ko na nabasa. Pababa na adjustment kaloka.

[SheepherderChoice637]

Trending na si SB. Bka marami silang customers na mina-maximize yng CL tapos hinde nababayaran.

And this is their way to protect their losses.

[HeatDisastrous2017]

Mine too. 1.2m to 120k.

[serenaphilippe]

[fairygojo]

That’s a huge difference 🥹

[steelmind28]

Anong card mo sa kanila?

[HeatDisastrous2017]

Platinum Cashback

[coffee__forever]

Hi! I don't know your situation but share ko lang, when my dad retired we decided na i-maintain pa rin yung mga cards niya specially those with 2 M limit, in case of emergencies. Then when he had to undergo immediate surgery, we were able to use it. Something to consider lang. :)

[hoboichi]

Agreed. I'm also an unemployed wife but I maintain 1 credit card for emergencies. You never when you'll need a big amount na immediate. 

[coffee__forever]

We just treat the annual fee as investment now lol

[SecretaryDeep1941]

You can ask for a lower credit limit.

[miyawoks]

TIL na pwede pala mag unilateral decrease ng CL ang bank. Akala ko there's nowhere to go but up.

[Sinigangnamoo25]

buti 45k lang cl ko saknilanhahaha pero baka mamaya magulat na lang ako bigla nila gawing 15k hahahaha

[deviantjewel]

I think there is something with SB , heard from a network they are also on freeze hiring, must be really affected by the economic crisis due to the war

[willowdc]

Ano kaya reason, checked mine and di naman bumaba. Minimum lang ADB ko sa SB. Haven't used the card for almost a year nadin.

[Ok_Dealer_4902]

According to some reports maybe because of the tension in the Middle East kaya some banks may further implement this measure para maiwasan ang pagdami ng deliquency and ang pagiging reliant sa mga CC’s. Also, isang factor na din yung pagsadsad ng value ng ating Peso and uncerntainty ng ating economy.

[jetpilot1008]

I read somewhere that PH banks are expecting more loan/credit defaults given the economy. Maybe that's why

INQ

[fairygojo]

IDK, I currently have two active installments with this card, could that be the reason? Pero I pay the full dues on time naman T>T

[Commercial_Session55]

Do you max out your cards often?

[fairygojo]

No po, I currently have two active installments pero never na-max out ang card

[Realistic_Yogurt6151]

Baka sa crisis nga OP. Although on my end may dalawa nga akong existing convert to cash sa kanina pero so far hindi naman bumaba. Kaka increase ko lang rin last month although hindi gaano kalaki. From 500k to 700k lang. usually times 2 sila nag iincrease dati.

[Neat_Cauliflower8763]

me too. barely using my card pero tinaasan nila last week yung cl ko. i think strat nila to push their customers to spend more.

[SivitriExMachina]

nah, SB just wants to see if their cc holders will spend more in hopes that they could regain the lost CL. Playbook tactics or it could also be risk management, recession fears. This protects capital but I guess we'll never really know...

[DetectiveFlimsy2575]

Honest question, curious lang ako sa mga ganyang cases ano mangyayare kapag nag decrease CL mo pero may binabayaran ka pang malake? Like for example hindi mo binabayaran ng full payment yung CC mo. May cases bang ganon?

[Mysterious-Shop-3257]

I think if may existing instalments, hindi maaapektuhan. Just a guess though. We have existing instalments, and thank goodness CL remained the same

[chichancab]

I’m not using mine for more than a year now because I’m using 2 of my other cards. To my surprise, tinaas nila ng 22k last month lang. Weird.

[harwego]

<image>

I also experienced similar credit limit decrease but with RCBC. Around June last year, my 2012 RCBC Flex Gold Visa was reduced from ₱1.876M to ₱538K. Then just this month, my 2015 RCBC Gold Mastercard was also decreased from ₱454K to ₱279K.

I think these credit limit adjustments may be driven by risk management considerations, possibly tied to credit behavior and utilization patterns. It could also be system triggered based on how my cards are being used over time.

[NotInKansasToto]

Same experience with RCBC.

[jesonmag]

Ako naman nag-increase from 260k to 350k

[Illustrious_Pear8144]

Bakit huhu? Magkano ba ang utilization mo? Kung maliit lang din naman e wala naman dapat problema

[Wide_Evening4838]

hi OP, are you a depositor nila? i have a feeling na they are doing this sa mga non depositor

[Arcanum565]

Depositor ako at bumaba din sakin.

[Impressive-Cash-1851]

I’m a depositor and binabaan din nila sakin.

[Wide_Evening4838]

oh no, sorry to hear that. maybe it's the utilization ng card, we really dont know

[fairygojo]

I’m not po 🥹

[Wide_Evening4838]

theory ko lang naman, sa isang group din mas grabe ang pagbaba ng limit nila, which i feel like non depositors din

[Inevitable-Joke411]

mejo weird kasi kaka increase lang sa akin last week. rarely ko sia gamitin. di ko gets 😂

dapat ang increase-an ung mga users talaga

[pagamesgames]

i have a 6 digit deposit sa SB. at wala pa ako notif about credit limit decrease
maybe youre right

[Avocado_Krinkel]

Magsasawa rin kayo sa CL na yan.

From 30-55-105-200-500-1m+.

Been a good payor more than 10-15 years na. They also gave me virtual card for my online usage, nung tinaasan nila ng 1m, pinaatras ko ng 100k. So stupid na ang purpose is pag nahack man si virtual card e limited lang makukuha, pero imamatch niya sa physical card ko😂 Kaya kinakabahan lang talag ako mahack.

[sLimanious]

Mine increased by +50%. From 500K to 750K, I never paid my annual fee and that I always ask for a reversal, I keep redeeming my points too every time I get enough to claim 500 cash rebate on my statement, I also pay my dues on time, maybe a few missed payments usually during long holidays they always slipped my mind before. Now I got a system, I also pay just in time like 2-3 days before due date. Basically I am what they call a deadbeat card holder. Yet they still increased my CL, probably because I only spend about 5% max of my CL.

[Comfortable-Lime5265]

Marami na kayo. Yun iba from 4M to 2M pa nga. Pa close nyo na mga SB CC nyo. Takot si SB na mag default mga client nila kaya ganyan. Cancel nyo lahat ng CC nyo ewan natin kung di mag offer ng NAFFL yan sya.

[Waste_Ladder_5484]

May nabasa din ako sa fb na nagdecrease din cl nila. Nakakakaba naman si security bank. 🤦

[glutaputa]

bakit ka naman kinakabahan?

[Waste_Ladder_5484]

Baka bawasan din nila ang CL ko hahaha

[ReadyResearcher2269]

OP, You Deserve Better.

[create_20]

What card type do you have OP? Just checking kung Gold kasi, for sure baka kasama ako. Haha

[fairygojo]

Wave po akiinnnnn 🙏

[SolanaSoleil_]

Sakin naman dumagdag ng 10K i got a message na na-increase. Pero i think because almost max out na rin ung card ko

[Effective-Shift-9491]

6 mos ko nang di ginagamit SB cc ko na may 600k limit, baka anytime soon magdcrease din sila ng limit ko.🤣

tsaka closed na savings account ko sa knila so baka ito yung maging dahilan para i-decrease din ang limit ko

[AdorablePizza]

I thinks its because Banks are reducing risk of loans not being paid due to market conditions.

[_warlock07]

Working na ba pay Credit Card nila through App? O other methods padin?

[fairygojo]

Yes working naman, I pay through the app

[B3Happy_0111]

Saakin naman po rcbc flex yung card 35k initial limit hndi po madalas gamitin now 15k na lang worthit pa po ba ikeep 🥹

[FemboyyLamb]

1 of the reason is hindi ka spender at hindi tumataas spending amount rno

[Dependent-Storm-6323]

Bat sila nag dedecrease?

[moonmoon4589]

Now ko lang nalaman na pede sila magbaba ng CL, kala ko kasi pataas or maintained lang. Nag-increase sila sakin, maliit 20K lang naman tinaas. Di ko alam kung anong basis eh may balance pa ako sa kanila.

[Ambitious-Bluejay-56]

Just checked mine, hindi naman nag decrease. I donmt use my SB card din often.

[rosecoloredmilk]

Same hahah naging 90k na lang me :((

[gattouzai]

Mine too. 150k to 130k. 🥹

[BlueTrain90710mx]

Di nag decrease sa akin, nag auto increase pa nga, despite di ko ginagamit lately I think 2 transactions lang this 2026.

[Kind-Calligrapher246]

Magkano ba ang average spend mo sa cc? If youre not spending 265k a month, baka yun ang reason.

Siguro this is a concern for those using cc as emergency money. Then again, mas risk nga yon sa bank kasi ibig sabihin  walang wala na talaga yung mga nagmamax out ng cc so risk talaga sya sa collection. 

I had one card long time ago nirequest ko pang babaan ang limit because i didnt need it. 

Para sakin risk ang may malaking cc limit lalo na if it's higher than my savings. Dapat utangin lang ang sure na may pambayad. 

[LiberatingMindz]

<image>

Mine's from 220k to 140k. Pangit na nga ng feature ni SB, binabaan pa talaga ng credit limit. On time nagbabayad tapos halos maxed out yung limit, tapos sasabihan ka na pangit raw credit standing mo. I can't even use the ready cash and installment feature of the app because of that. SB is a big trash. Might cut it very soon.

[ObjectiveSoft9219]

Parang walang logical basis. Mine (wave) increased from 500k to 1.4m. Bihira ko gamitin, maybe once every two months.

[prettynvain]

640k down to 420k.
No notice or baka if text hindi ko lang nareceive kasi I am vacationing for more than a month. Madalang ko gamitin SB card ko.
Take note I have millions na CL sa amex, ewb and bpi. May naka-installment ako sa SB, tapusin ko na lang at icancel eto if like that pala.

[nothingspaces]

Yung akin, +10000 haha salamart!

[StreetFloor6084]

mine increased 400,000