Tony Lopez over the holidays was complaining about his Metrobank credit card which he said gets refused too often, and took a swipe at the fact that a foreigner (an Australian, I think) heads its credit card operations. Today, he follows it up by printing a reader's complaint against Metrobank regarding her being billed for annual charges for a card Metrobank offered but which she had refused and returned to the bank.
I have a Metrobank credit card and had at least one experience similar to Tony Lopez's. Even if your Metrobank card is still within its credit limit, it sometimes inexplicably gets refused. It's not a big problem for me, but I can imagine the inconvenience for people who don't bring cash or who are in a hurry.