How to Continue Your RCBC Credit Card Application Online
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Introduction: Why This Guide Matters
Have you started your RCBC Credit Card application but didn’t get to finish it? Don’t worry — you’re not alone. Many first-time applicants pause mid-application because they need more documents, got busy, or simply weren’t sure about the process.
The good news is: you don’t have to start over. RCBC allows you to continue your credit card application online so you can pick up right where you left off. For beginners who are applying for their very first card, this guide will walk you through the steps in plain language — making it simple and stress-free.
What Is a Credit Card? (At Simpleng Paliwanag)
Before diving into the application steps, let’s do a quick refresher.
A credit card is a financial tool that lets you buy now and pay later. Instead of using your own cash right away, you borrow money from the bank and settle it on or before your due date.
If you pay in full, no interest is charged.
If you pay partially, interest applies.
Think of it as pa-utang ng bangko — pero safe, convenient, and with added perks like rewards points, discounts, and online shopping access.
Why Continue Your RCBC Credit Card Application Online?
1. Convenience
No need to visit a branch or restart the whole application form.
2. Faster Approval
Continuing your existing application ensures your information is already saved.
3. Secure Tracking
You can monitor your status online using your reference number.
4. Perfect for First-Timers
If it’s your first credit card, you can take your time to gather requirements without worrying about losing progress.
Requirements to Prepare Before Continuing
To avoid delays, make sure you have:
Valid Government-issued ID (Driver’s License, Passport, UMID, etc.)
Proof of Income (Latest payslips, Certificate of Employment, ITR for employed; business permits for self-employed)
Proof of Billing Address (Utility bill, credit card statement, bank statement)
RCBC Application Reference Number (This is provided when you start your online application)
How to Continue Your RCBC Credit Card Application Online
Step 1: Go Back to the Application Portal
Visit the official RCBC credit card application page where you started.
Step 2: Input Your Reference Number
Enter the application reference number sent to your email or mobile number when you first applied.
Step 3: Complete Missing Information
Upload any pending documents or fill in incomplete fields.
Step 4: Review & Submit
Double-check your details, then click Submit.
Step 5: Wait for RCBC’s Confirmation
Processing usually takes 5–10 banking days. You may get a call for verification.
Understanding Fees and Costs
Just like other credit cards, the RCBC card you’re applying for may include:
Annual Fee – Sometimes free for the first year.
Finance Charge – Around 3–3.5% monthly if you don’t pay in full.
Late Payment Fee – If you miss your due date.
Cash Advance Fee – For withdrawing cash.
💡 Tip: Use the Credit Card Cost Calculator to see how much interest and fees you might pay if you don’t settle your full balance.
Common Issues Applicants Face
Forgotten Reference Number – Check your email or SMS from RCBC.
Incomplete Documents – Make sure to upload clear and updated copies.
Application Rejection – Usually due to unstable income or incomplete requirements.
Delays in Processing – Can happen if RCBC needs to verify details with your employer.
Tips for First-Time Credit Card Users
Always pay on or before your due date.
Spend only what you can afford to pay back.
Track your monthly statement to avoid hidden charges.
Use your card to build a good credit history, not just for shopping.
TL;DR (Quick Summary)
If you paused your RCBC credit card application, you can continue online using your reference number.
Prepare IDs, proof of income, and billing documents before resuming.
Steps: Return to portal → Enter reference number → Complete info → Submit → Wait for approval.
Fees include annual fee, finance charges, and late payment penalties.
1. How do I find my RCBC credit card application reference number?
It’s sent to your registered email or mobile when you first started your application.
2. Can I continue my application if I lost my reference number?
You may request it again through RCBC’s customer service hotline.
3. How long does it take to process once I submit?
Usually 5–10 banking days, depending on verification.
4. Do I need to restart if my documents expired?
Yes, if your IDs or income documents are outdated, you’ll need to upload updated copies.
5. Can first-time credit card users apply online?
Yes! RCBC’s online application is beginner-friendly as long as you meet the requirements.
👉 With this guide, you don’t have to feel lost or start from scratch. Continuing your RCBC Credit Card application online is easy, secure, and perfect for beginners who want to take control of their finances.
