I use BDO. No problem so far and their customer service is quite good. It uses Mastercard so it is accepted virtually everywhere. You also get better service if you apply through a branch where you have an account. The tellers and account officers there are quite nice and knowledgeable. And since BDO has LOTS of branches, you can just go to the next branch to open an account if you do encounter the occassional "bad manager". And You can tie it up with their ShopMore card so you get points that you can use to buy stuff in SM or SM-owned stores.