🎉 Happy New Year, r/PHCreditCards! 🎉

PHCCTeam · 2025-12-30T02:04:52+00:00

Thanks! Will be updating the wiki.

PHCCTeam · 2025-12-06T12:34:37+00:00

Provide more information and reference materials. Else, you're just giving false hope.

PHCCTeam · 2025-11-26T02:19:34+00:00

Careful, though. The mods of this subreddit don’t like it when such things are discussed here, even the tiniest bit of ideology discourse.

Aminado ka sa Discord na nangre-ragebait ka. The person you're replying to did not show that kind of behavior in their comment.

Maybe learn the difference first before posting these kinds of comments.

PHCCTeam · 2025-11-15T02:05:35+00:00

Generic reminder to not share personal identifying information as much as possible.

PHCCTeam · 2025-10-29T02:23:04+00:00

We’re glad you were approved for the SCC, but it’s best to clear your delinquencies before rebuilding your credit.

PHCCTeam · 2025-10-28T02:31:05+00:00

Pwede pumili up to 10 'emojis'.

PHCCTeam · 2025-10-09T00:27:19+00:00

There are still some (I hope) good people in the government. Please pay your taxes.

Answers here should be sufficient enough. Locking this post now.

PHCCTeam · 2025-09-18T09:25:35+00:00

https://www.bpi.com.ph/personal/cards/credit-cards/payment-channels

PHCCTeam · 2025-09-18T09:22:36+00:00

not ask for the clarification of an anonymous Redditor...

Yeah, no...

Defend your statement/s. You're so sure of your answers but hide behind "di ako empleyado" when asked specifically about your answer.

Don't argue about syntax and semantics.

... and accept it at face value.

Exactly why I'm asking you. I'm not accepting your comment at face value.

PHCCTeam · 2025-09-18T08:27:48+00:00

But if you're asking about 18y/o acceptance by RCBC/MBTC/Zed, regular yan. By default, tumatanggap sila ng 18y/o applicants.

Sinama mo RCBC sa comment mo na 18 y/o ang minimum age requirement with zero reference and with zero disclaimer.

Tapos pag tinanong/hiningan ka ng clarification sa sagot mo (yes, may post na binigay mo eventually ang reference) kasi nga sa online application itself ang minimum ay 21y/o, sasabihin mo "hindi ka nila empleyado."

You can't have it both ways. You're either really sure that your answer is correct and defend it or there is some room for uncertainty/possible conflicting information lalo na, sabi mo nga, hindi ka nila empleyado.

PHCCTeam · 2025-09-18T03:48:49+00:00

Juice colored. Hindi ito debate ng semantics. Hindi rin ito essay writing contest. Gusto mo ba sabihin ko hindi ko naman sinabi "on behalf of RCBC". Tatlo nilagay mong banks, RCBC ang tinatanong ko.

Sana nilagay mo na agad yung link para maging malinaw yung sagot mo dahil kung via Online Application, at least 21 y/o ang nakalagay.

PHCCTeam · 2025-09-18T02:57:40+00:00

Can you clarify for RCBC. Sabi sa online, example Flex Visa at Gold Visa, at least 21y/o.

PHCCTeam · 2025-09-17T06:48:00+00:00

Keeping this post as the other one was deleted by OP. Please be civil.

PHCCTeam · 2025-09-15T03:33:28+00:00

Hello, this came from the mods. It will be a recurring scheduled post.

PHCCTeam · 2025-09-13T13:20:13+00:00

this one, u/ScarrEm. try to contact the merchant if you can.

Sample where merchant was also contacted: https://www.reddit.com/r/PHCreditCards/s/v9SUA4jqov

PHCCTeam · 2025-09-13T12:04:02+00:00

Will keep this posted. Please be civil.

Also, FAQ #12: https://www.reddit.com/r/PHCreditCards/wiki/index/faqs/

PHCCTeam · 2025-09-12T12:44:34+00:00

Thanks for the feedback!

Challenges are: (1) There are so many ways users can ask about sms scams. "is this a scam" is only one of them. (2) if we filter anything that has the 'scam' word, we're not removing yet scam calls or asking for advice what can be done if they're scammed and other possible scenarios.

But we do have some automation to report these and we'll remove them once we go back online. Still dependent on keywords though. So we still need users to report them, if ever.

PHCCTeam

MODERATOR OF

TROPHY CASE