As it turns out, Apple has improved on the older 2-step verification security it introduced in 2013 with 2-factor authentication in 2015. I thought they were the same until I read this handy guide: http://9to5mac.com/2016/03/22/how-to-enable-two-factor-authentication-on-ios-9-and-os-x-el-capitan/ With 2-FA enabled, one of the recovery steps is to setup a valid payment method for credit card information so that Apple can assist you if you lose access to your trusted devices. The question I want to ask you guys is: if you're using a US iTunes/iCloud account, when editing the credit card information, the country is locked to US for the billing address. Are you guys able to use your PH-issued credit card while still using a US iCloud account? I made sure that all my devices are using 2-FA now, so losing access to all of them would be very slim. But still, I could not fill-out a valid payment method because the billing address is locked to the US.