Authority to Verify Information. I/We hereby declare that the above information and the information in the submitted documents are true, correct, and updated; and the submitted documents are genuine and duly executed. I/We shall notify RCBC in the event of change in the information provided. I/We hereby authorize RCBC to verify and investigate the information from whatever source it may consider appropriate and hereby specifically authorize RCBC and to have access to and receive information on my/our behalf from the credit bureaus, co-brand partners, government institutions, telecommunications companies, other financial institutions, and other/similar information providers. I/We hereby authorize RCBC to conduct random verification with the Bureau of Internal Revenue (BIR) in order to establish authenticity of my/our latest ITR and other financial statements submitted by me/us to RCBC. I understand further that any and all documents submitted or received by RCBC becomes the property of RCBC.

Reason for Action on Application. I/We understand that RCBC has the sole discretion to request for additional information/documents, to accept or reject any application. Further, RCBC shall have no obligation to provide reason for the rejection.
I/We understand that I/we may be issued a card different from my initial preference based on RCBC’s evaluation of my application and I agree to the issuance of a different card type.
In case of rejection/cancellation by RCBC, and within the authorized retention period, I/we authorize to re-process my/our application/information for reconsideration for existing or future credit card products. All undertakings, declarations, and authorities granted herein shall subsist for the purpose of re-processing my/our application/information.

Authority to Record and Use of Recording. By providing my telephone numbers and by calling or accepting calls from RCBC (and its service providers), I/we authorize RCBC to record, replay and communicate to any third party all conversations (including conversations with its service providers) on said phone number/line with me/us or any individual who may answer the phone on my/our behalf, being my agent. This is being done with my/our consent and authority. I/We likewise authorize RCBC to keep a record of all forms of communication I/we may have coordinated, including emails, social media chats, web chats and chatbot conversations.
I/we authorize RCBC to store the recorded conversations, emails, online messages through social media, web chat and chatbots conversations and agree that RCBC may use the taped, recorded conversation, emails, or saved chat messages, with me/us or with any third party, in any proceeding and for any lawful purpose. RCBC (including its service providers) shall not be liable for any loss, damage or expense which I/we may suffer as a result of RCBC (or its service provider) acting on such telephone communications.
I/we likewise understand and agree that such taped, recorded or saved conversations, emails, online messages or instructions shall be conclusive evidence of my/our communication with RCBC and may be used by the latter against me/us or any third party for any purpose particularly as evidence in any proceeding, judicial or administrative, without incurring any liability.

Data Privacy and Authority to Disclose. By applying, I/we authorize RCBC or its duly authorized personnel to obtain, receive, record, use, process, store, disclose personal information, any and all information pertaining to me/us, including my/our personal information, any account, or any transactions on any account (collectively, the “Information”), to RCBC’s subsidiaries, affiliates, agents, representatives, service providers, vendors, counterparties and other third party partners such as merchants, co-brand partners, credit bureaus, credit information, credit and loan providers, financial institution, telecommunications companies, other/similar information providers, or to courts, competent authorities, or government agencies and instrumentalities, wherever situated, for the following purposes: (a) opening an account or providing any service or product to me/us; (b) processing or verifying any transaction on the account; (c) validating, verifying, and/or updating the Information and its related documents; (d) enforcing or protecting RCBC’s rights in the prosecution or defense of RCBC or its directors, officers, or employees with regards to disputes or claims pertaining to the products and services of RCBC; (e) allowing RCBC to perform its obligations and provide the services under any applicable law, rules and regulations, contract, or orders from any court or quasi-judicial and administrative offices including the necessary reporting, transfer and disclosures to any credit institutions or its members; (f) protecting me/us and/or RCBC against fraudulent, unauthorized, or illegal actions and/or related transactions; (g) allowing RCBC, its affiliates and/or subsidiaries, agents and third parties selected by any of them to perform the required customer due diligence, client identification, risk profile assessment or comply with regulatory obligations on money-laundering, terrorist financing, and risk management; (h) offer products and services of RCBC and any of its subsidiaries and affiliates or third party partners, including data profiling, processing, monitoring, reviewing, reporting, storing, statistical and risk analysis purposes; (i) perform auto-decision making and profiling activities in relation to the purposes mentioned and (j) any other instances analogous the foregoing or authorized by me/us or any applicable laws or regulations.

I/we agree to hold RCBC, its branches, subsidiaries, affiliates, agents and representative free and harmless from any liability that may arise from any transfer, disclosure or storage of information relating to my/our account(s) with RCBC provided that such processing was done in accordance with the consent provided and in accordance with applicable law.

Terms and conditions. I/we have read and understand RCBC Credit Card Terms and Conditions and that a copy is made available to me through RCBC Credit’s website at www.rcbccredit.com. By signing this application, or signing the credit card, or activating and using my/our RCBC Credit Card/s, I/we signify my/our agreement to be bound by the terms and conditions governing my/our credit card including any amendments thereto.

Provisions relating to the Supplementary Cardholder.

As the Principal Cardholder, you are liable for all charges made on any of your Supplementary Cards, including interest and non-refundable fees and other charges. Should you request for cancellation of any Supplementary Card, you agree and bind yourself to pay and be liable for all outstanding obligations under the Supplementary Card, including Cash Advances, and all charges, interests and non-refundable fees, even after the request for cancellation thereof .

You have the option to choose your Supplementary Cardholders and their individual Spend Limits. The Spend Limits assigned to the Supplementary Card is not an additional line of credit and is part of your total Credit Limit. The Supplementary Cardholder is given the same Supplementary Spend Limit every month even if the Supplementary Card transactions in previous months are not paid in full, for as long as there is an available Credit Limit.

Transactions made by the Supplementary Cardholder in excess of the monthly Spend Limit may be accommodated and are dependent on your credit standing.

If the Spend Limit you indicated is greater than the approved Credit Limit, the Spend Limit to be assigned to the Supplementary Card will be the same as the approved Credit Limit.
If you, as Principal Cardholder, do not assign a Spend Limit, the Supplementary Card/s will not be subject to Spend Limit, and will be subject to the same Credit Limit that you have as Principal Cardholder.