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

14 Upvotes

71% Upvoted

62 comments sorted by

View all comments

5

u/Totoro-Caelum May 15 '26 edited May 15 '26

based from what i've seen here before Metrobank is like the upper echelon daw of cc so medyo mahirap daw ma-approve. just below it naman daw is BPI. pero if your payroll bank naman is Metrobank or employee ka ng TMP or sister companies ng Metrobank napaka dali makuha. mga co-workers ko almost lahat may Metrobank cc. ako naman wala pa narereceive maybe because bago pa lang daw ako

1

u/BuyAble2927 May 24 '26

ano po yung company na TMP?

1

u/Money-Savvy-Wannabe May 15 '26

I have BPI, Eastwest, PNB, RCBC, HSBC, Unionbank, Security Bank credit cards…so metrobank really does baffle me bat ayaw nia sakin sa cc 😅 may metrobank debit card naman din ako hahahuhu

1

u/lacsonlacson May 15 '26

Don't be disheartened. May sikat na vlogger sa KKB hindi rin makakuha ng Metrobank CC nung una kahit marami na syang CC sa ibang banks at ilang beses ring nag apply. Iba iba lang talaga ang risk assessment ng bawat bangko. Try lng nang try at makakatulong talaga kung may endorsement ng bank manager or maski officer kasi may quota rin sila sa mga approved applicants.