The Chabacano word claro and the Tagalog word klaro, while both meaning the same thing are not used in the same manner in these languages.
In my experience, the word klaro in Tagalog is rarely used in conversations (at least in Central Luzon) and is most often only heard in the news. Depending on the context, Tagalog speakers tend to use the word malinaw more.than klaro.
The unsuspecting Chabacano speaker might think that the Tagalog word klaro can be used any time (just like in Chabacano) but that is not the case.
When taking a group photo, Chabacano speakers may ask (in Tagalog): klaro ba ako? However, native speakers of Tagalog may find that weird because they would not use the word klaro but instead use the word 'kita (as in 'kita ba ako?).
When talking on the phone, Chabacano speakers may ask (in Tagalog): klaro ba ako? However, native speakers of Tagalog may find that weird because they would not use the word klaro but instead use the word malinaw (as in malinaw ba ako?).
I believe the word klaro in Cebuano is used in the same way it is in Chabacano. In fact, we even have the expression no hay claro in Chabacano that sounds like a direct translation of the Cebuano expression walay klaro.
Here are some unedited posts from Facebook using the Chabacano expression no hay claro:
Hoy! Kosa man? Nuay kamo klaro.
Maga hente numa ya anda town kay nuay claro kuhikuhi para chene na bolsa
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