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RCBC Bankard


Consumer complaints and reviews about RCBC Bankard

mdabanto Send email
Apr 11, 2016


I was a bankard card holder before, due to personal problems my account was due and demandable, a RANZELL COLLECTION & GEN. SRVS, contacted me, and have a settlement, in short as per collection agency debt acknowledgement and repayment agreement... my account was already fully paid since January 31, 2007. I don't recevied any letter from BANKARD or at collection agency since then. Now 2016, after 9 long years, unfortunately, due to retirement, i was informed that i have an overdue account at BANKARD... i was terribly shock, what happen to my payment? no clearance was issued to me by the agency and BANKARD... for God sake, napakahirap ng buhay to settle the obligations but i made it... so please have action on this... thank you
Jhapz Send email
Mar 9, 2016

False Advertisements, Very Slow Card Delivery

Now, I applied for an RCBC Instacard (fastest way to get a credit card according to their ads) last Feb. 4. After I've deposited the money and submitted documents, the teller told me that I will have to wait for 2-3 weeks for my card to be delivered. So I assumed she was talking about working days so I counted the days and called them Feb 26. That is, what I expected, that my card should be delivered but then the customer service rep told me my card is still processing, which I have no idea why since its an Instacard not just a regular credit card application. So, giving the benefit of the doubt, I waited for ONE MONTH for my card. March 4 I called again and they said thats my card is already approved and I will receive it by March 5.. Then comes March 5 and there's still no RCBC Instacard knocking on my door!! I called today, March 9, and the customer representative told me I will receive my card by Friday, March 11. wow!! I should have returned my professional license as a chemical engineer since my education did not advised me that a Credit Card Company and A Famous bank can fool me like this. ITS A NO NO NO NO NO TO RCBC BANKARD GUYS!!!
elmacosca Send email
Jan 14, 2016

delivery of voucher for my reward points

I am a client of rcbc bankard for 10 years and I'm very disappointed. I redeemed my reward points by calling the customer service and advised that the voucher will be delivered after 3 to 5 banking days. I followed up several times and called the customer service hotline and all I got was different reasons that it was holiday season that's why it took so long. I called last Dec 10 until today I still hasnt received the voucher they promised. Is this the kind of treatment a 10 yr client deserve from a respectable card corporation. I tried to talk to a supervisor but no one was available. I would like to know an update on my request. The reward points promo encourages the clients to use their credit cards but do you think I will still use my card to earn points after what I experience now I will think twice if I will still use my rcbc credit card or even refer it to my friends and relatives .

agent79 Send email
Aug 12, 2015


My bankcard credit card was expired last year and I'm now abroad. I sent tons of messages to Contact US and even emailed them using the service@rcbcbankard.com but still no action regarding renewing my card. Unlike in HSBC, they set an appointment to call me because of the timezone difference and sent my new card thru DHL (that's quality customer service!!!).

I have a good credit standing and I was thinking are they just lazy or no brains at all to accommodate us especially those who are outside the Philippines? I have another card, mastercard which will expire next year and I don't want to waste my money to travel back to the Philippines just to debate this issue. I have requested them to cancel my credit cards but since I can use it abroad (my card was connected to Paypal), I told them I will continue to use and will pay the balances online banking. I hope someone from bankard will stumble upon this website. They are too vigilant in collecting debts and sending notices. Another thing, the online banking statement didn't arrive on time. I even asked them to refresh my subscription because they have terminated it without informing me.

Pathetic bank.
patria cabuyao Send email
Mar 26, 2015

notices of non-payment

Please be informed that I was advised that Bankard have not received my payment for the month of February, 2015 for my Card No. 3562868852227002.

Please be informed further that I have made my payment last February 12, 2015 at 9:23:55 at Express Pay, Tayabas City, Quezon with TX Reference No. BP 798651d2fc amounting to ONE THOUSAND PESOS (P1,000.00)
rambo2015 Send email
Feb 7, 2015

customer service collection rcbcbnkard

bt d aq mk access sa e statement ko...n lagi meron aq message na sa roaming ko ksi po nsa abraod aq....stating a certain bnkard number w/c d ko nman bnkard number....actually nk enroll aq sa BLOCK COLLECTION acct.....n bnigyn aq certain amt na dpat byaran.....so binabayaran ko nga n supposedly mtatapos na aq mgbyad ang problema bothered aq sa lgi message from my raomong na kesyo meron dpat i settle na amt due w/c almost a year na aq d nkkgamit ng creditcrd ko ksi nga nailagay kmi sa FREEZE acct na un nga nka block collection aq n un nga hindi acct number ko ang nk message dun pero lgi p rin...n ang hirap contakin kyo from broad.....now sn b puede mk access na may mk usap na personal assistance tnx
Imelda_52 Send email
Jul 23, 2014

Cash Loan Services


I'm writing this to inform you about a certain issue regarding in payments in cash loan, without even receiving my check with the amount of 35,000 pesos. I apply for the approval of my check since July 5, 2014, hence I had receive a text message that my check is on the way to its delivery, they also mentioned that I just have to wait for 10 working days, unfortunately until July 23, 2014, I did not receive my check and just a mean while I received my statement of account(SOA) for July 29, 2014 and the check had been concluded in my account. Moreover, my monthly installment is 3,122 pesos and this is for first month. This is the mistake of this bank. "As a costumer do I have to pay any bills in my account without even receiving any check" so of course not. Finally I need any response coming from RCBC bank regarding this serious issue that I'm facing right now, please do call me as soon as possible.
koikai Send email
Feb 26, 2013

Overdue Account

I am a Bankard credit card holder way back 2003-2004. Now my case is with a certain law office here in our city. I called them up, today Feb. 26, 2013 at around 2:05pm-230pm. I was able to speak with thier representative I believed. I called them up in good faith, to talk w/ them on how I can pay my overdue account in a divided payments. I told the man over the phone that I can start paying this coming May15 to June 30 of this year. The agent told me that their client (Bankard) is giving me a discount amounted to P26,200.00 instead of P46,620.41 only until March. He said he can help me have my accounts divided in four payments but I have to start paying this coming March 2013. I humbly ask the representative over the phone if i can ask their office to adjust their due date and allow me to start paying April 15, 2013 instead of March 30. But he said, " ay wala na tayong pag uusapan dito ms ___". Ganon po ba talaga? Can't we meet halfway? And ganon po ba talaga ka rude yong mga representative ng mga law offices, mukhang mga walang pinagaralan. Feeling nila di cla ngkakautang kung maningil akala mo sila may ari nang bankard ayaw mg give way kahit nakiusap ka na nang maayos. Tatakutin ka pa na pakukulong! Bakit ako lng ba ang may utang sa bankard? Nakipag usap naman ako pero parang sa nakausap ko earlier, he left me no choice. Pwede ba ako sa main office makipag ugnayan re: my case?
RUY5823 Send email
Feb 22, 2013

Attorney Call Agents from RCBC Credit Collections

I was also called by a certain attorney from a law firm that they were the ones handing collections, and demanded that I pay the whole amount of 24K in 24hrs. Is he for real?! or just woke up with a bad mode..Well, I am not that rich that carry that amount of money on a daily basis, and when i ask for some others way the attorney insisted me to pay or else I will be black listed. Is the bank really that desperate that they cant wait for me to pay. I know I am not able to pay on time immediately but should the attorney at least talk properly to clients from RCBC Credit cards. Do Attorneys now have a call center job? he even called me "iho" such an improper way of addressing clients. Good or Bad clients should be addressed sir. Attorney learn some lessons!
Rize1989 Send email
Mar 12, 2012

Customer Service/Collections

that's the same thing happened to me...I juz paid the minimum payment and a day after someone from their collections office called me and told me to pay the entire amount or else I'll be blacklisted...They don't want to have payment arrangement either and want me 2 juz pay the entire amount...Thanks for sharing...I won't pay them coz itz not sure f they will still activate my account... good thing i hav other credit cards:)
Proud_Jesu Send email
Feb 23, 2012

Customer Service/Collections

I really agree..No wonder they are giving their cards for some simple requirements..Now that I am cancelling my card, they said they cant because I have to pay some charges for that..I said I am not that stupid..I really dont believe in that company..They have the lamest and arrogant methods I ever saw..I hope everybody can read this..RCBC-BANKARD IS A NO-NO!
Robert Bugarin Send email
Feb 23, 2012

aroogant collection officer

credit card holder willing to pay but collection officer was so rude that the collection officer hang up the phone when the spouse was on the line.. and even cursed at the spouse and threatened to be sued... when spouse insisted to talk to some other collection officer, they hang the phone again.

bankard company issued a demand letter saying that they are from a certain law fim... so the credit card holder decided to contact the telephone numbers given by the law firm to pay.. but instead the arrogant collection officer answered the call again.
Proud_Jesu Send email
Feb 23, 2012

aroogant collection officer

Sorry James..But I think they dont care..They will take your money as long as they wanted too..Same situation here..Well, just keep on pushing them on what you want to do..Dont worry, BAD KARMA will come for them.
Biedeb Send email
Feb 23, 2012

Customer Service/Collections

I have a credit card that I wasnt able to pay on time, I called customer service ASAP as soon as a I have the cash to pay for it and asked them how much do I have to pay for it to be reinstated, customer service told me that a minimum payment of 3000 will do, I paid the said amount and then called them again the following day. I was surprised because now they're telling me that the account was forwarded to collections department and I have to pay the whole amount. What a waste. I told them I just paid the minimum amount due and how come I wasnt informed that its gonna be forwarded to Collections. I didnt get any notice from collections. Customer service doesnt know what to do and just referred me to collections. I called collections about the problem and they said I have to pay the whole amount right away or else Im gonne be BLACKLISTED. WTF!! so this is how RCBC works, they aint gonna inform u about whats happening on your acct and then 1 day you'll realize your in a pinch.
Ishinigami Send email
Feb 23, 2012

Customer Service/Collections

Yeah, they are hell of a mess... I paid my account since December 3 of 2011, they said upon complete payment my card will immediately be activated (Im talking directly to a collections officer) it has been more than a month now and I still cant use the card! Ikaw pa ang kailangan magpaulit ulit na tumawag sa kanila and pagpapasa pasahan ka! Pag maniningil magagaling magsipag tawag sayo..pag nakabayad ka na at ikaw na ang mangungulit na magpaactivate ng card na BINABAYARAN MO NAMAN e mga wala nang pakialam sayo!

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