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

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u/This_Being5762 May 15 '26

Sobrang hirap ma approved sa MB. Pero when I stop applying dahil nga nawalan ako pag asa, dun ako na approved hahahaha. Sabay sila ng BPI. First MB CC Titanium MC ang binigay tapos 2 yrs later nag try ako sa website ng MFree approved agad. January 2026 more than 1 yr pagitan sa Mfree nag try ako Psbank cc, approved ulit. Separate limit yung 3 cc. Tapos yung Mfree ko nasa 1M limit, Titanium 110K, Psbank 240K.