Using credit cards in the Philippine

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Using credit cards in the Philippine


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Old 13th July 2013, 02:16 PM
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Default Using credit cards in the Philippine

Hi members,

Please tell me if it is safe to use my credit card in the Philippines, especially in Manila? I've heard many stories about credit card scam in Manila.

A few friends of mine told me that it is quite safe to use at SM mall and some reputable establishments but not in some 'hideaway' restaurants. Or even in some 3 to 4 stars hotels.
Thank you.


Last edited by Asian Spirit; 13th July 2013 at 04:48 PM.
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Old 13th July 2013, 04:51 PM
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Originally Posted by sombrado View Post
Hi members,

Please tell me if it is safe to use my credit card in the Philippines, especially in Manila? I've heard many stories about credit card scam in Manila.

A few friends of mine told me that it is quite safe to use at SM mall and some reputable establishments but not in some 'hideaway' restaurants. Or even in some 3 to 4 stars hotels.
Thank you.
In most cases is it safe enough. Just NEVER let your card out of your sight when it is being used. An example of this is at a drug store. Often times they must take the card away from the counter to do the charge. Use extreme caution that you can keep your card in sight at all time. Also at a restaurant. There, it is best to go to the cashier yourself and not let the staff take your card. Just use extra caution...
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Old 13th July 2013, 06:10 PM
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Safe as anywhere mate,the world nowadays is no stranger to card-skimmers,I have used my card in London and had people trying to use a clone in the states,thats never happened in the P.I.
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Old 13th July 2013, 06:28 PM
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I've haven't had a problem yet and they usually ask for ID which doesn't happen much in the US.
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Old 14th July 2013, 06:24 AM
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We havnt had any problems as of yet either but as people say, never let the card out of your sight. Cloning is a global problem and not just confined to the Philippines. I have never had my card cloned here but have had one cloned back when i lived in the UK, so there you go.

The only problem i have is the lack of places that you can actually use them, unless you go to the mall. Even the local 7 Eleven doesn't accept them.

And Gene yes, at Mercury drugstore they always have to take the card away which is annoying


Last edited by MikeynJenz; 14th July 2013 at 06:26 AM.
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Old 14th July 2013, 08:24 AM
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So far I have not had any problem in using a credit card most anywhere in the world I have been. As a precaution, the card I use only links to a separate account to which I can transfer funds to. This way I can limit the amount of damage possible if compromised. I only draw cash out at a secure location and then use cash to purchase items and services and so forth.

Fred

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Old 14th July 2013, 09:06 AM
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Originally Posted by MikeynJenz View Post
We havnt had any problems as of yet either but as people say, never let the card out of your sight. Cloning is a global problem and not just confined to the Philippines. I have never had my card cloned here but have had one cloned back when i lived in the UK, so there you go.

The only problem i have is the lack of places that you can actually use them, unless you go to the mall. Even the local 7 Eleven doesn't accept them.

And Gene yes, at Mercury drugstore they always have to take the card away which is annoying

Grocery stores usually take the card away and have to run it at a desk in front. I don't understand why KFC and McDonalds don't use the credit cards? Burger King now does. On a lighter note we got our first chain store in a municipality of 33,000 people, 7-Eleven, the place is packed sardines at all times, there's money to be made but why don't these chains open up more stores? It boggles the mind just how many stores are in Manila and the provinces have few if any.

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Old 14th July 2013, 08:00 PM
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Before moving to the Philippines I did use cash, ATM and credit cards during my trips. Do NOT use ATM cards (debit cards) for purchases. There is a fee the retailer pays in the USA that you will have to pay in the Philippines. Cash is always the best because one can get the best exchange rate available. I used my credit card only for large purchases. The few times I used my credit card I never had any problems. Note: travelers checks are usually not accepted anywhere and some money changer will not accept money with the slightest tear.

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Old 14th July 2013, 09:30 PM
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I use my Visa and Mastercard all the time in Manila and have never had a problem, but I follow all the advice above:

- Only use at established stores (SM Department Store, SM Supermarket, Robinson's, 3-4 star hotels, etc)
- Don't let the clerk take the card out of sight. SM Supermarkets and Department Stores have credit card readers at every register, so this isn't a problem there.
- Check your credit card website often. If your card does get cloned, you need to catch it early so you dont have more than a few bogus charges.
- I personally only use my card if the total is over p1k. This just limits how often the card is out of my control


Last edited by HondaGuy; 14th July 2013 at 09:30 PM. Reason: misspellings
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Old 15th July 2013, 01:58 AM
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Originally Posted by Phil_expat View Post
Before moving to the Philippines I did use cash, ATM and credit cards during my trips. Do NOT use ATM cards (debit cards) for purchases. There is a fee the retailer pays in the USA that you will have to pay in the Philippines. Cash is always the best because one can get the best exchange rate available. I used my credit card only for large purchases. The few times I used my credit card I never had any problems. Note: travelers checks are usually not accepted anywhere and some money changer will not accept money with the slightest tear.
Not a problem with us as the credit cards we use were issued here, BDO literally threw them at us. We thought we were getting one but we were given three, a Visa, Mastercard and Amex.

Handy for the bigger purchases so that we don't have to carry too much cash around. Will be handy when we go on my visa run/holiday to Malaysia on Friday for four days too.

The only problem is making sure she doesn't get her hands on them, seeing as its me paying for them lol.
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