RCBC Bankard
Reviews and Complaints

As much as possible I do not want to write here about RCBC (Philippines), but I need immediate action. I can't wait for five more days before my complaint will be addressed and I'm having a hard time contacting the CSR. Because the customer service is getting worse. It takes time, a very long time to get a customer service representative. It takes days before I'm able to contact them. I'm calling them his month (NOV. 12) to check how much I will pay for the pre-termination of my loan. Finally, I got CSR and told me that the first loan will be 25, 123.93 + 1, 256.20 (5% pre-termination fee) total of 26, 380.13 PHP. The second loan was quite too big, the CSR told me that my balance is 276, 088.02 + 13, 804.40 (5% pre-termination fee) total of 289, 892.42 PHP. I decided to pre-terminate the second loan. However yesterday I saw my SOA( RCBC Bankard) and I received a text message that my balance is 297, 033.89 PHP, why? what happen? That's why I called The CSR so I know how much I need to pay. And even though I add up my monthly payment from the first loan it will not end up this big. I called the RCBC CSR, of course, it takes a while before I got a representative, he already made a complaint. My question is why the CSR can not even check what happened? because this is not the first time I pre-terminated my loan, and if there will be a discrepancy from the amount that they gave me over the phone it will be just cents, not that big. then why? This is the first time it happened to me?

Since I'm trying to lessen my burden in paying them monthly, lessen my expenses, and keep a good record in the bank. And I'm not running from my obligation, I borrow money, I have to pay it back. But during this pandemic at least you could give consideration to lessen the pre-termination fee or even remove it to those Clients of yours that are willing to pay it in full amount. We are still not done with this pandemic and still, not all of us have already come back to work. Me I just come back to work after 11 months of no work.

I hope this matter will be clarified and also my request will have a positive result. It will be truly appreciated by all your clients.

And also please I'm still waiting for a representative of the BAYAHINAN BALANCE CONVERSION, to discuss my other loan. Please call me asap at [protected]

Took ages just to get statement of loan account.. till now still waiting.. been calling trice a week.. this bank not recommendable

Last December 2019, I applied for an RCBC Card not because I wanted it but to help out the wife of an officemate who was offering it. The ga e my application also i. December 2019 before Christmas. January or February came and i received a phone call asking that i verify my sensitive personal information. As i know that this is standard i complied and answered all questions. March came and i got another call asking the same questions. I again complied. Eight months after (August 2020), i still do not have my card. And the one who tried to get me to sign up for a card said that according to the card division of RCBC i have to re-apply because it had taken more than 6 months since i applied. I was also told that I will be reviving another call for verification of my personal details. I simply said “If this bank does not know how to service potential clients, i will not ask that I’d be given the card. 3 times to get my sensitive personal information? Each call done by a different person. This people handling the card applications must be investigated by the Data Privacy Office. This is so wrong. And there isn’t even a bit of remorse from the bank personnel.

Helllo me I ask about the delivery of my card why it's always said that not successful

We have been trying to deliver your RCBC Bankard Flex Gold Visa ending 3006 but our efforts have been unsuccessful. To arrange for re-delivery, please call [protected].

I have many email to this email but it's almost a month and until now no good feedback I've heard

I have my full adress in my application why it's not successful my delivery I have business and always open my phone but no one can call me.

Pls fix this one

Thank you

I tried to apply bayanihan conversion upon proceeding the application after a while the girl called me and discussed everything about bayanihan she then told me that if I'm going to proceed my application my card will be suspended so I decided not to proceed and cancel my application on that day she said that its okay the application will be cancelled on that day. But when I settled my account I paid for my bill, when I'm about to use it it's no longer active. I thought we that application was already cancelled because the girl on phone assured me. I called many times on bankard hotlines the agent was keep on saying that 2 to 3 banking days there's someone to call me for my card reactivation but almost 1 month I waited I called many times but same things they told me that 2 to 3 banking days I feel upset why they keep on saying that without taking action on how to reactivate my card, in fact this is not my fault they proceed with bayanihan conversion without any of my approval. Until now my card is no longer in used and nobody called me. I send them many emails but no action for my concern

I have already settled my acvount last 2019 and I’m just waiting for my clearance but until now I haven’t received any but instead someone emailed me demanding for payment of unsettled bill. How com I have unsettled bill for an account that was closed and just awaiting for Clearance?

THE MANAGER :My reason I STOP PAYING THE CARD ENDING 6005, I INQUIRE TO CUSTOMER SERVICE to my balance and she said :I am done paying my loan of 65k November 2018, I paid the amount to rcbc Masbate branch, I have receipt to attest to paying the amount rcbc branch.I want to terminate my card ending in 6005, to focus on my 2 new existing credit card account.Hoping this merits favorable action.

The manager: I REITERATE TO PAYING 4910.19, yesterday to rcbc Masbate branch, the letter sent to me arrived March 26, 2019 here in Masbate dated Feb.28, 2019, I avail to EasyTerms Program, to Which I choose Option 1 Spot cash payment at a special discounted rate.I answered this letter as formal, course of communication.My card ending in 6005 by paying the full amount be terminated, and to send a certificate of full payment, I called customer service and was advice to pay the amount send through to a formal letter, I have two existing card to which I maintain the account by paying.I hope this merits action.

I HOPE THIS MERITS ACTION TO TERMINATE THE ENDING NUMBER 6005 AND TO INFORM ME FULL PAYMENT IN WRITING TO SEND HERE IN MASBATE.Thank YOU.GOD Bless.

The Manager, This is to reiterate my payment to EasyTerms Program, my card ending to 6005, be terminated, A letter arrived here in Masbate MARCH 26, 2019, a formal letter which dated February 28, 2019, I paid the amount Option 1 to RCBCBANKARD dated March 27, 2019, after INQUIRING to customer service that payment be paid to access my account .My reason in stopping my payment is I called customer service INQUIRING my balance, the said officer says my payment stops November 2018, my cash loan is only 65k, I settled the account balance on my card ending in 6005, after payment I stopped.I am hoping that they monitor my balance and inform me of full payment, the same account continues.my question when will stop if I am done paying my balance? to settled issue, the account which I am not the cause of the problem bothers me resulting to harrasment.I now paid the remaining amount of 4911.00.I have receipts to attest my payment.I now request certificate of full payment, to terminate this account .I have 2 existing account a cash loan to both 65k.May this account ending number 6005 be terminated.Thank YOU .GOD BLESS.

Nung nabasa ko mga bad comments dito una ndi ako naniwala bka kc ngkataon lng dun sa branch kung san sya ngtransact ngkaroon ng aberya, so ngpapply nga ako at LAKI NG PAGSISISI KO TAMA NGA MGA BAD COMMENTS DITO NAKAKABWISIT UNG MGA COSTUMER SERVICE NA SUMASAGOT SA PHONE IBA IBA MGA SINASABE NILA PARANG D ALAM KONG ANO GINAGAWA, SA PAGOPEN KO P LNG NG INSTACARD MY PROBLEMA NA AT HANGGANG SA PAGPAPACANCELLED KO MAS MALAKING PROBLEMA ABA 60 DAYS NA AYAW PA IRELEASE YONG NKAHOLD OUT NA DEPOSIT KO AT PALAKI NG PALAKI ANG CHARGES KO,

I was already planning to apply for Instacard and came across this page. Now, this plan will have to be cancelled. Thanks for sharing your experiences.

I applied for RCBC Instacard over a month ago and haven't received my card yet. I didn't receive any call nor email about the status of my application. I have to call them after two weeks of opening my application to get an update. According to the customer service representative that I talked to, the application was approved and my card was already out for delivery and so I am expecting to get it within a week. Unfortunately I didn't, I have to make another call to them to check the status of the delivery only to find out that the card was returned because they can't locate my address! How stupid can they get? They have the landmark to locate my house! So I have to make an arrangement for the card to be delivered again to a different address and I have to send copy of that billing address and a valid Government ID. Then I have to wait for another freaking week to get it. If only I knew beforehand that their service is this terrible I would've open an account with BPI or Security Bank instead.
Now, I'm just afraid that this will boil down to cancelling my account with RCBC and I have to wait for two ##3#ing months before they can release my money!

Guys never transact nor trust RCBC, they have the most unreliable and incompetent staffed from the branch down to their customer service. I had my RCBC instacard for more 1 year and 6 months now and the experience is terrible, one time I had an issue with a merchant and that merchant refused to issue me a refund (which is by the way google playstore), I am still within the cancellation policy and when I called their customer service the exact word is " I am sorry but we can't help you dispute the said transaction, we don't have a way to communicate with the merchant", what the H, really?, you are my bank and right now I am calling to ask help to either go after the merchant for me or cancel the payment, well gladly google sent me an email that they will return my funds back to my credit card. Another traumatic and unprofessional experience I had with them is when I decided to apply for a regular credit card, month's past and no communication with them and I kept on calling their incompetent customer service and all they say is that, the branch where I submitted my application haven't forwarded the files yet, I mean Seriously? Its over a month now and what rcbc is good at "pointing fingers", bankard said well its rcbc in ayala's fault and when you call rcbc ayala they will say " we forwarded the application already" I am mad as hell now. Another thing their collection, there was a time that I misse the due date due to financial issues I encountered and guess what collection doesn't care of what you are experiencing they will argue with you and call you everyday, good thing my phone does have blocking option. I AM PLANNING TO CANCEL THIS INSTACARD NOW AND I TELL YOU RCBC IF WE ENCOUNTERED PROBLEMS WITH THE RELEASE OF MY HOLD OUT MONEY, BETTER BE READY TO EXPLAIN THIS TO BSP.

hi all! i applied for RCBC instaCard on Feb.25 using a hold out deposit. the bank's tellers processed it correctly and i called bankard a week after to check the status of my application, i was shocked i was denied. i went back to the branch were i opened my time deposit to know the reason why it was declined. the bank's employee then informed me that it was because i have an outstanding payment due for my previous card. i requested to terminate my time deposit and was charged of the termination fee. if you are planning to apply for instacard credit cards? go to other banks but for God's sake, don't do business with RCBC. my savings account as well with RCBC was closed because i transferred my funds with AMA bank where i earn 2.0% interest each month on my money compared with RCBC which has only 0.10% which is very much lower than AMA gave me.

Instacard inquiry? Please call me. [protected]. Brian chua

InstaCard is the only way where you can easily have a credit card. However if you don’t have extra funds as of now you can borrow to your loved ones then pay them later since we have the widest billing cycle before your due date.
You have 3 options to increase your credit limit.
First you will terminate your existing time deposit account so you can add another amount.
Second you will open a new time deposit account to add to your credit limit.
Third, you will open a new time deposit account with the new card. In short you can have multiple accounts with 1 credit card or both.
We understand that you really want to have a regular credit card. However, if you are going to reapply again with the same requirements that you submitted before I think it’s not a good idea as of now. Why don’t you give it a try with Instacard for at least 1 year, with good credit standing by then you have already proven that you are a good credit card holder. Think about it.
It’s a good start with Instacard since it offers 100% approval. However, if you want to have a regular card from RCBC BANKARD I suggest you have to maintain your Instacard account in good standing (use your card more often and pay your bill on time ) for at least 1 year for you to qualify for that.
It’s free for the first year and for the succeeding years its only PhP60 per month compare with other banks that cost 1, 500 a year. It won’t cost you that much so you must have this rare offer.
If you really want to have a credit card from RCBC then you have to consider the offer of our Bank so you can enjoy the benefits of our card. Just try this INSTACARD for at least 1 year and your application for your regular card will be much easier to process.
Hope you could find some time to fix your time deposit account today so we could process now your credit card. Please don’t forget to bring your 2 government issued Id's & 1 PC id picture any size will do. We can guarantee that you won’t get stuck to our branch.
Please let me know if you are coming to any of our Branches so we won’t get any problem in processing of your account.
Brian Chua [protected]

Hi,
I've been also a RCBC Bankard Instacard member since 2011 and this September 2014 will be my card 3rd year anniversary. After a year been very good member/payer (2013) i tried to request for a convertion of my card to a regular card as promised by the ###ing RCBC teller that if i will use the card very good i will have a chance the card to be converted into regular card/account and have my collateral deposit lifted and release, Last year 2013 i try to request the convertion of the card to a regular card, sadly rejected. few weeks after, I made another request to increase the limit from 20K to even 25K, Sadly rejected again. This year 2014, i made the same request, convert the card into regular, (status), rejected! Again, to increase the limit, again rejected ...! few weeks after, made my very last request (with threat) for reconsideration of my request, finally, REJECTED!... So as revenge, i immediately request the cancellation of the card saying "Your service is suck! your product is suck! your employee is suck! I DON'T NEED TO INSEST MYSELF TO YOU at hindi ako luluhod na magmamakaawa sa inyo, Its not my lost after all, lots of credit card company out there! So my card immediately canceled and informed the RCBC branch that my card was already canceled and answered me that they will wait for the clearance instruction from Bankard before my time deposit be release to me. After 3 Days finally the RCBC branch contacted me that they have already received an order/ clearance from Bankard. Unfortunately, received a call from Bankard the same day saying that my time deposit would only be release to me after 60days. What? (with anger) FIRST OF ALL i made the cancellation of the ###ing rcbc credit card without any balance ... Secondly, as per my reviewed on the terms and condition of the DEED OF ASSIGNMENT, there was no part there or condition about the 60DAYS you are telling me.I will not listen to your mouth, i will hold what i signed...So release my deposit immediately or i will sue your company? So late afternoon the RCBC branch request me to come and sign the release of my deposit... Unformately again, when i come to the branch they request me to open a savings/atm account before my money be release with 3K maintaining.. ###! ###! ###! RCBC ... MGA MANLOLOKO ... Ang pinaka napansin ko, parang nauubusan na yata sila ng depositor, ng cash reserve ngayun ang RCBC kaya lahat na lng ng strategy nila .. KAYA MAG INGAT NA KAYO SA RCBC ... Kasi baka isang araw hindi na pala sisikatan ng araw katulad ng nangyari sa Banco Filipino...

I am an RCBC INSTACARD user for almost a year. I never had a problem regarding harrasment by the collection officer of RCBC. Yes its true that when you forgot to settle your balance, a collection officer will call you to remind you regarding the amount that needs to be paid on or before its due date. Regarding with the collection officer, they are not from RCBC, they are call center agents from many BPO company which was hired by RCBC to do the job as RCBC's collection officer. By the way, I am a call center agent too and we have that RCBC account for collections that is why I have an idea about it.

Thanks for this info. I will not get this offer INSTACARD after receiving the same text from RCBCBankard

I would like to complain about an atm machine located at the front of jollibee sta.rosa bayan . I withdraw there this afternoon and at the screen of the said atm machine that my transaction is successful but there is no money that got out of the machine .. Fix your machines. I want my money on monday when i fill my complaint at your nearest branch.

I would like to file a complain to RCBC agent Lorie Velasquez the worst customer service i ever had!

Get their earlier and know the times of bank opening and closing. How do you know your time is more correct than theirs? Just because YOUR watch says its 3:58 doesn't mean it's really 3:58.