My Credit Card Application Was Denied. What Should I Do?

Published: February 1, 2021 | Updated: September 15, 2021 | Posted by: Venus Zoleta | Credit Card

Declined Credit Card Application Philippines | Moneymax

Received a declined credit card application? It’s natural to be disappointed and paranoid—what if you’re rejected again on your next credit card application? But you don’t have to wallow in despair. Just because you’re rejected for a credit card doesn’t mean you can’t be approved in the future.

You can take steps to ensure that your next attempt at getting a credit card will be successful. Here’s what you can do on how to get approved for a credit card.

What to Do When You Receive a Declined Credit Card Application in the Philippines

1. Check Your Credit Card Application Status

check your credit card application status

After you’ve applied for a credit card, the bank will contact you after one to three weeks to inform you about its status. However, in some cases, banks take longer than usual to process a credit card application, leaving applicants uncertain about whether they’re approved or have a declined credit card application.

If you aren’t sure if your credit card application is declined, you can check its status by calling the bank or making an online inquiry.

Here’s how to check the credit card application status with some of the major issuers in the Philippines.

📌 How to Check BPI Credit Card Application Status

You can check your BPI credit card application status in two ways: online and through the BPI 24-hour hotline:

To check via the BPI online banking facility, follow these steps:

  1. Go to the BPI official website at
  2. Log in to your account.
  3. Click Other Services > Application Status Inquiry > Credit Card.
  4. Enter your date of application.

To check via hotline, you can contact BPI’s customer service through the following numbers:

  • Metro Manila: (02) 89-100
  • Domestic toll-free: 1-800-188-89100
  • Mobile phone and international: (632) 89-100

Dial 2 for Credit Cards and 2 for Credit Card Application Status Inquiry. Enter your 10-digit application ID number to know your credit card application status.

📌 How to Check Citi Credit Card Application Status

Here’s how to check your Citibank credit card application status:

  1. Dial 8995-9999 to call the Citibank credit card customer care hotline.
  2. Press *2
  3. Press 1
  4. Enter your application ID or TIN
  5. Press #

📌 How to Check EastWest Credit Card Application Status

To check the status of your credit card application with EastWest Bank, you may call their customer service hotline at (+632) 8888-1700 or email

📌 How to Check Metrobank Credit Card Application Status 

If you filed a credit card application with Metrobank, you can check its status by calling the bank’s customer service hotline at 8-700-700 or the domestic toll-free number at 1-800-1-888-5775. Alternatively, you may send an email to

📌 How to Check PNB Credit Card Application Status

You may call or email PNB to inquire about your credit card application status. Here are the numbers to call a PNB customer service representative:

  • Metro Manila: (+632) 8818-9-818
  • Domestic Toll-Free: 1800-10-818-9-818

You can also send an email to

📌 How to Check UnionBank Credit Card Application Status

Applied for a UnionBank credit card? To check your application status, just message UnionBank’s official Messenger account at and follow these steps:

  • Click ‘Products & Services’
  • Choose ‘Credit Cards’
  • Select ‘Application Status’
  • Choose whether you applied for a Principal or Supplementary Credit Card
  • Click ‘Proceed’ and provide your 7-digit reference number

You can find this reference number in the email or SMS sent to you after completing your UnionBank credit card application.

If you don’t have your 7-digit reference number,  send an e-mail to

Read more: Should You Get a Supplementary Credit Card or Your Own Credit Card?

2. Find Out Why You’re Rejected for a Credit Card

find out the reasons behind rejected credit card application

The bank may or may not tell you the reason why your credit card application was rejected. Regardless, it helps to know why it happened to avoid making the same mistake in your next application and raise the likelihood of getting approval the next time.

Common Reasons for a Declined Credit Card Application

  • Too low income
  • Too much debt
  • Bad credit score
  • Unstable job history
  • Unpaid credit card balance
  • Incomplete or incorrect information on the credit card application form

3. Wait At Least Three Months to Reapply

Got your declined credit card application just recently? Don’t apply for another credit card too soon. Financial experts recommend waiting three to six months to apply again.

Applying for too many credit cards within a short period can hurt your credit history. You’re likely to get declined again, too. Each time you apply for a credit card, the bank conducts a credit check and makes an additional inquiry on your credit report. Having several inquiries on your credit report is a red flag for banks—it shows that you’re desperate and struggling to get approved for a credit card.

4. Check Your Credit Report and Improve Your Credit Score

improve your credit score

Before you apply for a credit card again, take the time to review your credit report, correct any error, and work on increasing your credit score.

Regardless of the reason your credit card application got rejected, get a free copy of your credit report from the Credit Information Corporation or any of its accredited credit bureaus[1] once a year. Check the accuracy of the information on your credit report—an error may have caused denial on your credit card application. If you spot an incorrect negative remark, dispute it with the concerned lender for correction and request to update your credit report.

If your credit report accurately shows a history of loan default or high credit card balance, it’s time to break those bad money habits that damage your credit score. Improve your credit score by paying down your balances, settling your overdue accounts, and reducing your loan and credit card applications.

5. Apply for the Right Credit Card

get the right credit card

After getting your declined credit card application in the Philippines, make sure to find the right card this time—one that you’re most likely to be approved for and matches your financial situation.

Check the bank’s eligibility requirements, particularly the annual income requirement. For example, BPI and Metrobank require a minimum annual income of PHP 180,000 to get a basic credit card from them. Application for premium credit cards requires higher annual incomes.

Rather than check each bank website and spend hours researching, make your search for the perfect credit card more convenient with an online credit card comparison tool. In just a few clicks, you can refine your search according to credit card providers and type of credit card, as well as sort the results based on annual income requirements, interest rates, and annual fees.

You may also apply for a credit card with easy application requirements. Here are some of them:

Citi Simplicity Card+

Monthly income requirement:

  • With existing credit card: PHP 15,000
  • Without a credit card: PHP 20,833

Annual fee: No annual fee for life
Interest rate: 2%

EastWest Practical Mastercard

  • Monthly income requirement: PHP 10,000
  • Annual fee: PHP 1,400 (free for the first year for new EastWest credit cardholders)
  • Interest rate: 2%

HSBC Red Mastercard 

  • Monthly income requirement: PHP 17,000
  • Annual fee: PHP 1,500
  • Interest rate: 2%

PNB Visa Classic

  • Monthly income requirement: PHP 10,000
  • Annual fee: PHP 300 (free for the first year)
  • Interest rate: 2%

📌 Read more about Credit Cards with Easy Application Requirements and Credit Cards for Low Income Earners

6. Get a Secured Credit Card or a Prepaid Card

If your current income and credit score aren’t good enough to qualify for a credit card, consider alternatives such as secured credit cards and prepaid cards. These cards allow cashless transactions like regular credit cards do. Approval is also easier plus it’s a great way to build a good credit history.

Secured Credit Cards

No income documents are needed to get a secured credit card. Banks also don’t conduct credit checks for secured credit card applications. Instead, you would need to open a savings or time deposit account with the issuing bank and make an upfront security deposit. This will serve as your collateral to the bank, which means when you miss your credit card payment, the unpaid amount will be deducted from your bank account.

Here are the secured credit cards in the Philippines you can apply for:

  • AUB Secured Credit Card
  • BPI Express Start
  • Metrobank Save and Swipe
  • RCBC Bankard InstaCard
  • Security Bank Fast Track

Read more: Complete Guide to Secured Credit Cards in the Philippines

After a year of using your secured credit card responsibly, you may request the issuing bank to upgrade it to an unsecured one.

Prepaid Cards

With a prepaid card, you enjoy the functionalities and perks of a traditional credit card, except that your spending is limited to the amount in it. So you can continue using the card, you’ll have to top it up before your balance goes down to zero.

Some of the most popular prepaid cards in the Philippines include PayMaya, GCash Mastercard, Smart Money Card, and YAZZ Card. Banks such as BPI, EastWest Bank, PSBank, and UnionBank also offer prepaid cards.

How to Increase Your Chances of Getting Approved

Take note of the tips listed above if your application for a credit card gets denied. We asked RCBC President and CEO Arniel Ong on what Filipinos can do to increase the chances of getting approved for a credit card.

“If you have an existing credit history—whether it’s paying another card, another loan, or a bill that has your name on it—it’s important to keep these things up to date and maintain good credit card standing,” Ong said.

“We actually cross-reference and check credit behavior against various sources of credit information,” he added.

Final Thoughts

Have you experienced getting approved after a declined credit card application? What have you learned from the experience? Sometimes all it needs is to check your finances and find the right credit card for you.

Save money on credit card bills!

Source: [1] CIC Accredited Credit Bureaus / Special Accessing Entities 

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