Credit Card Restructuring

Hello po!

I’m planning to avail yung restructuring program for my credit cards. These are the ones I have:

• BPI
• Metrobank
• Chinabank
• RCBC
• Eastwest

Hindi pa OD. But for next month, hindi ko na kaya bayaran kahit yung MAD. May naka experience na ba dito magpa restructure sa mga banks mentioned?