First issued a Citibank credit card in late 1990s.

Citibank either called or wrote a letter to the defendant to offer Card

No.
4539720627127017 as an upgrade.
She wrote several letters to Citibank and to the collecting agency, but
no response.
She never signed the card but see T&C last paragraph.
See if T&C allows increase of credit limit without notice to defendant.
Truth in Lending act see prescription shit (ask Sai).
Rates have been consistent, but defendant complained only when she
couldnt pay
anymore.
Why would they give her P151k credit limit (and what is the basis) is
it to induce
her to use the card more often?
Ask Citibank to present itemized list for defendant to admit the
amounts she
borrowed.
See T&C (documents) that show defendant used her card and is
therefore bound by
the T&C.
Relationship of collecting agency and the bank.

Secrecy of Bank Deposits Act

Purpose: to encourage people with money to deposit money to
promote national economy
Purposes of the reserve reqt:
1. for servicing withdrawals
2. tool of BSP to manage money supply
3. for BSP to have money available for rediscounting
CA issues freeze order on suspected money laundering
Foreign investments act
New central bank act
Gen Banking Act of 2000