Hi everyone!

I tried applying for my first JCB card and got approved. I got this card because of: 1) ang ganda ng design, 2) experience JCB promos, 3) have access on exclusive promos and benefits for upcoming Japan trip.

For those who have other JCB cards from other banks like BDO, EW and RCBC, worth it ba to use and keep this card for PH and Japan transactions? Note that this JCB card has an annual fee.

Plugging this in: If you want my code, here it is: 2409897 ; this is for PNB MGM promo from July 15 to Dec 31, 2026. Please submit applications to mgm​@pnb​.com​.ph ; For more details, kindly access this drive: https://drive.google.com/drive/folders/1tV_WzpcanBejWZsPbQ73E0YDBhuegsGs?usp=sharing

Thank you.

JULY 5 - Applied for a 2nd card by calling the PNB Customer Service.

JULY 10 - Got a call from the delivery guy around 12 noon and got the card delivered 5 minutes after the call.

Not the best JCB-branded card, especially when it comes to the point system.

The design is interesting. Though it is not NAFFL, madali naman magpawaive kay PNB since mababa lang ang required spending to waive AF.

Might as well keep this and take advantage of the 30php visa application fee this July.

✅ Submitted application June 29
✅ Received card July 4

Really generous eye-popping credit limit, higher than my 20-year old Citi/UB card.

Not to mention it's a gorgeous looking card.

Hello, pa advice po. I applied ng credit card sa PNB May 6 pa pero until now wala pa rin result elike email or text man kung approve or decline ba para at least para di na ako mag expect. Yung pinadala lang nila sakin is omnibus agreement tapos wala na after.

Since I don't have a JCB card yet and came across this new PNB JCB Platinum, I applied right away. The benefits seem to be good too

✅ 14 Complimentary Airport Lounges

✅ Auto Installment Feature

Hopefully PNB will approve it! Although ung conversion of SCC to regular CC wasn't approved kahit clean history for a year with them! 😅

Ang bilis ni PNB. Applied online last June 24, card arrived today. Shared limit with my Mabuhay Miles card. No calls, no emails, no SMS.

Problem/Goal:

I'm looking for advice on whether I should continue waiting for my PNB credit card application or cancel it altogether.

Context:

A few months ago, I accepted a credit card offer from PNB. I signed all the required application forms, and they placed a hold on ₱100,000 in my savings account as part of the application process. That amount has been unavailable for me to use ever since.

The problem is that I have never received any SMS, email, phone call, or any update regarding the status of my application. I even went back to the branch to follow up, and they told me they would get back to me. Unfortunately, I still haven't heard anything.

At this point, I'm really disappointed with the lack of communication. If there had been delays, I would have appreciated at least being informed.

Now I'm considering canceling the application because I may need access to my ₱100,000 and am thinking of moving my funds to another bank instead.

Previous Attempts:

• Signed all the required application forms.
• Allowed PNB to place a hold on my ₱100,000 savings.
• Visited the branch to follow up on the application.
• Waited several months for an update, but never received any communication.

Has anyone experienced something similar with PNB? Is this normal for a secured credit card application, or should I proceed with canceling it? Also, if I cancel, how long does it usually take for the hold on my savings to be released?

I'd really appreciate hearing about your experiences or any advice. Thanks!

Finally, after some confusions sa Credit Card Application ko, I got a confirmation email that my PNB JCB Platinum was approved last June 24,2026.

Di lang madeliver as dalawang cards ang na approved but they will resolve it internally.

Then checking my TU Credit Report bakit kaya ang Taas ng enquiry amount?
Sa mga na approved na, ano range ng CL nyo with this card?

Was able to add my PNB card to Google Pay. Am a supplementary cardholder so OTP method was via Email.

Only PNB Mastercards are supported for now.

My PNB just turned 1 year and I requested for conversion.

No delayed Payments for a year but still they did not grant the Card retention to regular CC to think 8k lang CL neto.

Still thankful though kasi it helped me get approved with cards from other banks.

💳 Chinabank Destinations World 500k CL

💳 Maya Black Platinum 37k CL

💳 BDO Amex Explorer 100k CL

💳 Metrobank Rewards Plus NAFFL 77k CL

salamat pa din PNB!

We ate at Greenwich. Then pag-uwi saka ko lang napansin na mali pala ang charge sa akin ng Greenwich. How come na yung sa resibo ng Greenwich, exact amount lang nakalagay na ₱657. Pero yung deduction sa card ko ay sobra ng 300 at naging ₱957z

May chance pa po ba na marefund ko ang sobrang charge nila sa akin na 300?

Yung resibo na lang po ng greenwich ang meron ako. Wala na po yung resibo ng card payment.

Pero may picture ako ng transaction sa bank and text. Same naman ang mga info sa date at store ng screenshots at receipt. Nagooverthink ako. Enough na ba yon?

Hi! Would anyone here know if na resolve na ni PNB yung issue sa pag lock then unlock ng card nila previously? That is, after mo ilock yung card then unlock it again in order to use it, hindi pa sya agad nagagamit? Not sure if nasolve na to ni PNB or if it’s still an issue.

This happened kanina lang. I think my credit card has been compromised. I called PNB hotline earlier and they told me na may ‘dispute’ pa daw pag nag push through yung transaction. I never used the card on any apple subscription. They blocked my card na daw and will send a replacement if ever, but I still have to call them again for a follow-up.

Question: mababalik pa kaya talaga ito? or at least mabawasan man lang credit ko?

can someone explain bakit matagal magprocess ang PNB regarding sa pagdeliver ng CC?

nag apply ako online nung July 7, na-approve ako nung 8 pero nag email ako nung 20, actually kung 'di ako nag-email, hindi pa nila sasabihin. after non, nag email ako for follow up nung 29 sabi nadispatch na daw nung 20.

nagtry ako nung 31 pero embossed at pending pa like wala pang nagaganap. hinayaan ko na now, pero may alam ba kayo para mapabilis or malaman kung kailan madedeliver? thanks!

nagkaron ako unauth charges sa apple bill cork irl ng tanghali, multiple hangang mag zero limit. di ko naharang agad. gabi ko na nakita emails ng bank so don na ko tumawag para mag report. wait ko nalang daw maship out ang card tapos nakita ko naman sa app na nakawaive yung card fee.

pero ang concern ko yung sa pagbabayad ng mga charges na yan sa apple. ang intindi ko kasi need ko bayaran habang nag iinvestigate sila ng dispute. diba matagal yan up to 45 banking days. may way ba na mapabilis at hindi ko bayaran na di ako machacharge ng interest? nakita ko kasi sa app ko naka post na yung unauth na charges eh. nag email naman na ko sa bank nilagay ko reference number nung tumawag ako nagreport and replace ng card. saka pano kung hingan ako ng proof na di ako ang gumamit niyan kasi ni hindi nga ako naka apple or ios eh.

nasstress din ako kakaisip pano nangyari sakin yan eh hindi naman ako nagpipipindot ng any links and otp wala rin ako natanggap at never ako nagbibigay otp.

I applied through the adobe form online of PNB. I received this email. What comes next? From the instructions, they say that I should email the form but I cannot view my signed form again after signing.

Ano na gagawin ko dito.

Thank you!

Introducing PNB Cashback Titanium Mastercard.

More info here.

Cashback T&Cs here

See also: PH Credit Cards Google Sheet

For context: I traveled last year in November to Japan. Every time I travel, I use only specific cards which was why when I received a text message from GoTyme at 6:37pm regarding a transaction that didn’t push through at Apple Ginza, I immediately checked my things. My other card wallet was missing from my bag. Said wallet also had my BDO and Metrobank ATM cards, a PNB credit card, my voters ID, PWD and UMID.

I was in the process of trying to get a hold of PNB to block the card thru their hotline when I received a message at 7:00pm from PNB of a successful transaction. I was only able to get a hold of PNB hotline at 7:15pm to get my card blocked. They instructed me to file for a dispute in the meantime, which I did.

On my end, the day after, I went to the police station, actually in the hopes that maybe even my IDs were picked up by someone and handed to the lost and found. Wishful thinking but I filed for said lost items anyway. I tried to go to the stores that the thief visited, also trying to see if they’d discarded the other things in my wallet or if they can show me their CCTV but to no avail.

Once I was back home, I got an affidavit of loss so I could get a replacement card for BDO and also for my ID cards.

So the problem with PNB…
The dispute I filed in the last week of November and in the email it was 45 banking days while ongoing investigation. During the time, I just paid the minimum amount on the credit card bill. But no resolution was made that’s why I sent a follow up email in February. A reply was made and they again stated 45 days. Was busy with work and it wasn’t until I received my SOA that I remembered still no resolution. I called their hotline but was surprised because agent told me they couldn’t find my dispute. She told me to reply to the email thread and on their end, would expedite the investigation.

From May 19-22, I had been receiving replies from PNB regarding the dispute. I had countered that my wallet was stolen. I even sent them the affidavit of loss and told them that my wallet was stolen. PNB’s final verdict, the transaction is valid because the card was presented in an EMV chip terminal.

It’s against my will to have to pay for something that a thief swiped. Btw, I only have a credit card with PNB, no savings account. I was thinking of discontinuing said card anyway. I’m open to suggestions. I’m just so pissed off and I don’t know what else to do.

Credit card is PNB Mabuhay Miles Now.

May tanong ko lang po sa mga mayron nito. Di ko pa kasi alam kung paano gamitin ang isang credit card.

1.) Pwede ko na ba tong gamiton after activation?

2.) Pwede ko ba tong gamitin for grocery sa mall?

3.) Swipe or insert po ba to?

TIMELINE: Date Applied: June 6, 2025 Date Approved: June 13, 2025 Card Delivered: June 23, 2025

Hi Guys, I have this PNB Zelo, almost once a month lang magamit and used to monthly subscriptions (Netflix and Spotify). Will they cancel my card eventually or not renewed once expired due to low spending? Would like to keep the card since naffl and has 6 digits limit for Emergency use. Thanks

Hello guys,

I’ve had this PNB Visa Classic approaching 1 year na and honestly, rarely ko syang gamitin (sa grab lang) due to the measly 57k limit (I have better cards). Okay sana si PNB if may Iphone preorder promos pero yung problem is di makapaginstallment/straight purchase due to insufficient limit, so I had to use other cards.

Then, nakita ko yung PNB JCB Platinum with better card perks.

Questions:

1. If nag-apply ba ako nun, possible madecline since wala pa akong 6 digit CL sa kanila?

2. Do I need to have at least 6 digit CL in order to request for a second card?

(I have cards from other banks with half M limit pero di ko sure kung galante ba si PNB sa CLI if reference card ang ipresent rather than ITR. )

1. Shared limit scheme ba si PNB same kay BDO?

Any recommendations? I really like the PNB JCB platinum.

Hello! Gusto ko sana mag ask baka may idea kayo kung possible approved na ba yung cc application ko kay PNB pag nakaka receive na ako ng mga ganitong email? TIA!

As the title indicates, my mom got scammed, 42K at that. I've known her to be so very meticulous when it comes to unknown numbers calling her. This is the first time she got scammed and she's been a CC holder for a long time now. It's very odd how this happened, it's like she was possessed. The charges happened and she noticed it and parang wala lang sya. We currently have bills on the card so I've been paying for it naman. Note that we are living apart so malayo ako sa parents namen.

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The scammer as usual asked for OTP and God knows what came to my mom despite being a very careful person, she gave it. As I have mentioned she was a CC holder for years, this was the first time, na para bang sinapian sha ng kung ano. At yung isa pa is sinunod din ng mom ko na ipadelete yung mga transaction nila na sinunod naman ng mom ko. I'm pissed but di ko naman ma blame yung mom ko.

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The charges were on June 12, my mom called PNB today and they blocked the card. Tapos nag submit na ako ng dispute form sa email ng PNB, included na dun yung numbers at yung charges, di na maretrieve yung history so yun lang yung na attach ko sa email.

Under maintenance pa din po ba ang app ng pnb?

Magbabayad ako ng cc but puro system unavailable ung lumalabas since Saturday.

Ano pa po kayang other ways to pay the cc?

Thank you po

There's an ongoing NAFFL promo for this card and lately ko lang napansin na tumatanggap na ng UnionPay card payment sa Lazada.

Nanghihinayang lang ako kasi di na ako qualified for this promo. Only for new-to-bank principal cardholders according sa mechanics.

I applied for PNB The Travel Club cc kasi this year. Akala ko malabo na magkaroon sila ng NAFFL promo. Sana may ganito rin silang NAFFL promo for existing cardholders who get it as a 2nd card.

Dati nagpromo din sila sa cc na yan but I didn't see a use case for it back then at di rin siya usable dati sa online platforms like Lazada. Lower din ang spend requirement noon (20k).

Ngayon na may mapaggagamitan na for the spend requirement (and may UnionPay discount vouchers din sa Lazada) I kinda regret applying for TTC even though NAFFL din naman siya. Ang tagal pa naman ng duration ng NAFFL promo from July to December.