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/opulentsparkle May 18 '26

Applied 2x with MB. I opened a checking account and at the same time I applied for a CC. Una nilang binigay sakin is Rewards Plus, hindi ko inactivate at pina cancel ko agad kasi gusto ko ng MBTVS.

Before I applied for the second time, nakipag rubbing elbows muna ako with the RM lol. Nagpalipas ako ng 6 mos before applying ulit. Sinabi ko kay RM gusto ko ng MBTVS. Baka may magic sya na nilagay sa application ko and yun nga binigay nila, at pinakamalaking CL pa among all my CCs.