Special Balance Conversion for as low as .90% up to 36 months!

How it works:

1. You can convert your Outstanding Balance into installments at a monthly add-on rate of 0.90% for 6, 9, 12, 18, 24, or 36 months term.
   To check your estimated monthly amortization based on your outstanding balance, use the online calculator here.
2. To avail of this special offer, fill out this online form completely or click the AVAIL NOW button below.
3. Upon approval, your enrolled RCBC Credit Card will be temporarily suspended. It will be reactivated once payment requirements and payment history are met. Please refer to the Terms & Conditions below for more information.

This offer is available to pre-selected RCBC Credit Cardholders only.

Terms & Conditions:

1. The special Balance Conversion Program is open to select RCBC Credit Card holders who are recipients of the promo electronic direct mail (“EDM”) or SMS regarding this offer.
2. With this special Balance Conversion program, a qualified cardholder can convert his/her total outstanding balance* from 6 months to a maximum installment payment term of 36 months. The applicable monthly effective interest rates will be as follows:
   

*The total outstanding balance refers to posted transactions during the approval period.

3. Any unposted transaction or installment payments that the cardholder explicitly requests to be excluded will not be included in the Balance Conversion Program, and will be referred to as non-converted transactions.
4. The cardholder must immediately settle the first monthly amortization on the nearest due date following his/her cut-off period. The posting of the 1st monthly amortization might be earlier than 1 month if the cardholder has applied on or before the cycle date of the credit card. (For example: Cardholder applies on August 14 and the cycle date is on August 15, the first monthly amortization will be posted in the Statement Of Account that will be generated on August 15 cycle date).
5. The computation is for illustration purposes. Actual monthly amortization posted by the System may slightly vary in amount since it will be based on the cardholder’s account’s cut-off date.
6. Any unpaid statement balance will be subject to interest as indicated in the Terms and Conditions governing the issuance and use of RCBC Credit Cards.
7. Once the cardholder enters into the special Balance Conversion program, his/her account/s shall be suspended.
8. The cardholder’s account will be re-activated in accordance with the table below or if he/she decides to pre-terminate and fully settle the balance (whichever comes first). Credit limit will also be reduced after posting the last amortization prior reactivation.

*In cases where the monthly amortization is covered by excess payments, payment requirement should be at least equivalent to the total expected payments for that tenor. (For example: If the monthly amortization is Php10,000 at 18 months tenor, the cardholder is expected to pay at least Php10,000 x 12 = Php120,000 to be reactivated).

9. No pre-termination fee shall be charged to the account if the cardholder wants to pre-terminate his/her existing installment/s to be part of the balance for installment. Likewise, no additional one-month amortization shall be charged to the cardholder for the pre-termination of installment/s.
10. If the cardholder has multiple credit cards, the Balance Conversion offer will apply to all cards, unless the cardholder prefers to apply the conversion to a certain card only.