Atome Philippines — User Reviews & Complaints

cant relaon di ako makapag loan ulit even nakapag pay na ako ng full, may option na pwede na ako humiram pero unable to process at this time, ehh need ko yung money, ano dahilan bakit ganun

Too many calls and messages I understand that I have an unpaid balance, but receiving too many calls and messages in one day is already stressful and overwhelming. I hope the company can communicate more professionally and respectfully with customers who are willing to settle their accounts.

Missing amount on my available spending limit I lost my 10k on my available spending limit. I never missed my payment please settle this return my money. I paid for it

No No

No options to call them Very hard to raise a concern and get help since they can only be reach via email which they like copy and pasting their responses. No help at all. IF YOUR PLANNING TO USE THIS APP OR CARD THINK TWICE THRICE . At first it looks like a big help during emergency but BIG NO ITS A CLEAR BURDEN SPECIALLY IF YOU HAVE A CONCERN!

poor customer service I received a call around 10:40am and agent refused to assist and push me to accept her suggestion. I disturbed and frustrated with this experience.

Poor! Pooooooooor!

I can’t log in even when im using face id This is really annoying please fix it. Im in a middle of a transaction at a mall and it wouldn’t log me in. It say you don’t have authorized access even if its my own account. WTH

Cash Loan I keep receiving notifications that I’m already eligible for another cash loan, but whenever I try to apply, the system doesn’t process anything. It’s been over a week now. I’ve already reached out to customer support, but all I get is an apology for “system maintenance” with no real assistance. Even with a good record, there’s been no resolution at all. The support team hasn’t been helpful so far! 0/10

why cant i be approved

hard to apply

useless!

Useless First of all im not using the app. Been receiving calls from them looking for some gwyneth who for some reason I don’t know.

1 year always declined lol magsara nalang kayo

rejected alway

almost one year applied but until now still rejected,not good.

PLEASE CHECK MY APP AND DO SOMETHING ABOUT ALL YOUR RESTRICTIONS!

papalitan ko na lang pag okay na Atome Cash ko, Nasa waitlist na nga lang dipa maayos. Nakalagay lagi register to chuchuchu pag pinindot nasa waitlist naman daw tapos atome card kp dipa mag increase , gamit na gamit no late payments ever since. tso

it's my first time ,I can't say anything I'll make reviews if I accept my card sorry I don't experience ,

daming pa fill up tapos pag log in mo waitings ka nanaman ng ilang araw at buwan walang ng yayri

Credit Limit suddenly reduces without any notifications. Not recommended. 👎👎👎

mahirap maapprove

the atome loan was ah big percentage did im not expected.....it was ah 35% per month..its so sad🥹

its hard to apply credit card not recommended

👎 Very low credit limit

POOR CUSTOMER SERVICE

SEMI ILLEGAL GOOD PAYER AKO, pero delayed nang 2 days ngayong month May 2026. Bumaba agad credit score hahaha! Kupal din naman mga agents. 👎🏻👎🏻👎🏻

Accidentally selected installment payment and there's no easy option to change it to full payment. Support is unresponsive.

SCAM APP, WILL NOT REMIND YOU ON DUES then proceed to spam you if youre a day late just to make you pay and they will authomatic put your bill into installment to maximize the fees they can get from you, WITHOUT PERMISSION from 250 bill will turn to 350 bill within less than 24 hours . CHARGE YOU TO D.EATH with hidden fees additional fees you can imagine.

kung may problema ka sa kanila, relax lng sila hindi nag iimbestiga ng maayos daming sinasabi walang sulosyon at walang hotline ng legal team or compliance department kung meron man.

kapag my concern ka walang macontact. pag billing angbibilis maningil pero pag concern wala macontact 2months na ko nageemail arawaraw wala prin

Harassing Agents keep calling me threaten me not a good card to used my 1st time ever encounter on this grabeee totoo pala ang mga harassing sa customers akala ko diko ma experience to much better pa c HC and Billease. @BSP @SEC

1yr na Ako nag apply Hanggang Ngayon dipa rin na approve!

atome is okay if you pay on time but if you miss a single day with your due date they will call you non stop whole day with 100 different numbers which is very annoying and dangerous it just shows that your account is no longer safe. they will send you warning that will scare you automatically reduce your limit in just one day they wont even miss a minute calling you with hundred different numbers I wont use this app again. its like a load shark in disguise.

CLOSING MY ACCOUNT WITH HIGH LIMIT It took me a day because I was celebrating my birthday, so I was outside the city and no Internet and they aggressively asking for me to pay an automatically decided to split my payment into six months with interest. I always pay on time and I don’t like that thing automatically put interest and make it six months just because I i missed it for. I know there are no excuses. I shouldn’t be paying on time but this is against the loan. I should be paying the penalty not you deciding if it’s gonna be six months or what not you’re making money so I am installing this even though I have a big credit limit and I’m just so happy I just got my credit card from a local card so I don’t need you guys. I pray loans is taking advantage to poor Filipinos.

useless no message of why the application were declined

Too risky to install this apps, with almost 95% negative review.

Hello. I successfully referred a friend last month. It was said in your app that a 60 pesos cashback for "every" successful referral. How come that I did not receive any cashback? Please enlighten me. Thanks.

had it deleted, not helpful at all

Ang hirap ma approve sa apps n to haisst...

They have incompetent customer service, they have prevented me from taking another cash borriw, I dont understand why I cant do anything. I pay dilligently and I did not have overdues.

rejected my application....

Di na kayo nakakatuwa. Minuto2 nalang kayo tumatawag. Nag email na ako. What’s the use of asking kung kelan ang sahod ko kung di nyo naman sinusunod. MAYBABAYAD AKO! GUSTO KUNG ALAGAAN ANG ATOME DAHIL MALAKI ANG TULONG NITO SA AKIN.PERO ALAGAAN NYO DIN ANG MEMBER NYO. NAKAKABWESIT NA KASI GINAGAWA NYO. KAHIT SINO NALANG TINATAWAGAN NYO PARA SA MALIIT KUNG UTANG. NATAON LANG NA MALAYO PA ANG SAHOD! I am writing to formally lodge a complaint regarding the conduct of your collection agents, which I believe constitutes harassment. I acknowledge that I missed my payment due date due to an oversight on my part. However, I was billed twice for my insurance, and I am currently awaiting the refund to be credited back to my account. The refunded amount is intended to settle my outstanding balance. Despite having explained my situation during a call with one of your representatives, I continued to receive excessive and repeated calls, more than thirty (30) within a short period, as well as multiple text messages demanding immediate payment. I find this level of communication to be unreasonable and distressing. Furthermore, I received messages indicating that a demand letter would be issued if payment was not made within the day. Such statements are alarming and unnecessary, especially considering that I have already communicated my circumstances. I am also deeply concerned that one of my personal contacts was reached and asked to settle my obligation. This action is inappropriate and raises serious concerns regarding privacy and professional conduct. In light of the above, I respectfully request that you: 1. Cease all forms of excessive and harassing communication. 2. Ensure that my personal information and references are handled with strict confidentiality. Please consider this matter with urgency. I expect that appropriate actions will be taken to address this issue and prevent similar incidents in the future.

suck. first time to apply but declined.

walang kwentang app. rate -5

I’ve been a loyal customer for over a year, but lately, my transactions are constantly being declined—even small, domestic ones. They are always flagged as fraudulent when they aren’t, and the Cash Loan feature along with other Atome services no longer work. I am giving you a one-star review because I am deeply disappointed in your service and plan to switch to another card issuer.

HARRASSMENT I know my schedule of due date but unfortunately I couldn't pay on time one time due to financial issue. So they blew up my phone with 70+ calls and numerous text just for 1 day. The only good thing on this card was easy to apply. But customer service? Nah.

5th times trying to get a card and it's still rejected. Nahiya naman BPI Credit Card ko sa sainyo.

dont ever try this app

lala di nababalik yung installment sa isahang payment nalang lakas maka scam ah gusto tubo?