I have this problem regularly.
Lloyds will only put a 1 month 'allowed in Philippines' notice on their system and mastercard appear notto be able to do even this!
To be fair Ive struggled to find places where credit cards are accepted in Philippines anyway, apart from in major cities its a lot easier to use cash.
NB - If your card is refused at a cashpoint its best to call straight away rather than try different cashpoints. I guess trying to withdraw 10000 pesos at 6 different cashpoints within 20 minutes is probably going to raise suspicions wherever you are!
