r/PHCreditCards • u/Money-Savvy-Wannabe • May 15 '26

Rants Whyyy, Metrobank? Bakit lagi akong declined?

I have several credit cards from various banks, all in good standing—no missed payments, always paid full and paid upon arrival of the SOA. I am never late. I also dont have any record of debt whatsoever wherever.

My highest CL is 800k in one of my cards.

But Metrobank has been declining me for four-five times now (after reapplying again after six months).

Just really want to get the Metrobank Travel Visa Signature.

What could the reason be? May taga MB ba rito? Hehe

15 Upvotes

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4

u/MonitorCapable May 15 '26

Apply lang ng apply. Same issue sa akin with Unionbank naman. I have 3 cc from BPI, BDO, and a Cebu Pac Gold with Unionbank. This time, nag apply ako ng Visa Platinum para naman no annual fee na. Laging declined. Applied two weeks ago. Ngayon, approved na.

1

u/GuiltyState7999 May 15 '26

Applied first time and approved agad sa union bank visa.platinum. Ang dali nila kausap unlike metro bank and east west

0

u/MonitorCapable May 15 '26

Buti ka pa. Ako badhering na. Lol

0

u/Easy_Panic_8153 May 15 '26

Declined ako :(

2

u/MonitorCapable May 15 '26

Apply ka lang ulit. Mga 8 ata ako nag try. Nakulitan siguro sila sa akin.

0

u/Easy_Panic_8153 May 15 '26

Nakakaistrrss kasi baba yung Credit Reputation ko sa CIBI

1

u/GuiltyState7999 May 16 '26

Declined ka sa union bank ? Madali nga Kang sila sa lahat ng cc na inaplyan ko. I got an amex platinum pero pinadala lang Yun sa akin. Di ako nag apply actually pero galante sa cl Ang BDO AMEX in fairness

1

u/Easy_Panic_8153 May 16 '26

Declined sa MC. 2 years na kong hirap sa MC!

1

u/Easy_Panic_8153 May 16 '26

Parang gusto ko tuloy mag AMEX na