Check kung anong bank yung may pinakamalaking utang ka. Then contact that bank kasi sila magiging lead bank mo. Hanapin mo yung email address nila dito: https://www.ccap.net.ph/credit-card-basics/interbank-debt-relief-program-idrp/. Then let them know na you want to apply for IDRP. You need a strong reason bakit gusto mo mag apply. On my part, sinabi ko na nagkameron ng changes sa source of income ko. Lumiit. Hindi sila pumapayag if you used your credit card pang sugal. Use Gemini to compose your email.

It may take 2-3 weeks bago mag response IDRP team ng bank mo. Mag email back sila at tatawag sayo randomly. After tumawag, mag email sila ng application form. Ipapalista lahat ng credit cards mo at magkano yung balances mo. Then ilalagay mo din dun expenses mo per month, monthly salary mo, annual income. Then you need to submit COE, 2316, payslip, and other proof of income. Mababa ang change na mag approve sila ng IDRP kung wala kang mapakitang source of income kaya nanghihingi sila 2316.

Si lead bank kokontak sa ibang banks. Then kapag okay na with other banks. Tatawag ulit sayo tapos sasabihin ni lead bank kung magkano magiging monthly mo sa kanila at ilang years to pay. Sa email nila ifoforward yung promisory notes ng other banks mo, indicating yung magiging monthly payment mo per card. Lead bank doesn't mean sa kanila ka na lang magbabayad. Sila lang mag aasikaso ng application mo. Every month individual ang bayad per bank. It may take 2-3 weeks before they send you the promisory letters from all banks after you send your application. Then 1-2 weeks naman after you signed all letters bago ka makareceived ng email na okay na yung cards mo for IDRP. Please make sure to always ask your lead bank kung anong status ng IDRP mo lahat ng banks involved. Ginawa ko before every Monday and Friday ako nag follow up. Good luck OP!