BPI - Thread 3

[freelancer_babe]

Although I find most of BPI customer service personnel sa offices nila approachable and nice, I have complaints sa mga online facilities nila.

Pahirapan naman kasi tawagan ang BPI hotline during the day (I know it's easier to call at late at night) pero meron lang kasi talagang mga concerns na during day time lang pwedeng i-handle. Ilang taon na ito ah, at hanggang ngayon pahirapan pa rin?

Di rin useful sa akin yung facebook app nila http://bpibankersonline.com/ ... you can only inquire general questions but they cannot really check into your account. If something is wrong with your account they will direct you to their busy hotline instead.

Like, I was asking them this: "saan napupunta ang payment ng bill kung nagkamali ng lagay ng account number ng merchant"? They assumed that something was wrong with my account and I have to call the hotline. LOL. "What-if scenario" lang naman yun. They should have answered it like: "Your unclaimed funds for that particular bill will be returned to your account after 3 working days. If in case you have not received those funds, please call the BPI hotline."

I also asked a couple more questions in that site that doesn't require them to look into my account, but I wasn't very satisfied at the answers. The answers are just similar to that above. Too generic ang answers nila and they seem to assume that I don't know/use their products yet.

I think I have mentioned before that if there's something wrong with your BPIexpressonline account, you still have to call the BPI hotline? Going to the bank doesn't help (courteous and polite as they are) and they will just let you use their phone to call up the hotline. So you might as well stay at home and call up the busy hotline.

It would be better for BPI to provide messaging facility or a live chat, or even both inside the BPIExpressonline account. Since this is inside the account, the customer service should be able to check the status of the account so that they could give appropriate answers to questions. At least hindi lang BPI hotline ang pwedeng tawagan. At oo nga pala, pang landline rin lang ang BPI hotline no? Calling them via the cellphone is expensive, I heard.

Sa ngayon mas naappreciate ko pa ang online banking ng Metrobank. True, banking with them is quite the opposite of the BPI experience - hindi nga naman friendly ang customer service doon sa mga banks mismo pero mabilis na mabilis ang reply ng CS doon sa loob ng MetrobankDirect. I've messaged them lots of times and they have satisfactorily answered my questions well - account related problems or general queries.

[chubbycheeks20]

Like, I was asking them this: "saan napupunta ang payment ng bill kung nagkamali ng lagay ng account number ng merchant"? They assumed that something was wrong with my account and I have to call the hotline. LOL. "What-if scenario" lang naman yun. They should have answered it like: "Your unclaimed funds for that particular bill will be returned to your account after 3 working days. If in case you have not received those funds, please call the BPI hotline."

I was shocked they cannot handle this type of question. Ang tagal ko ng wala sa bank na yan pero kaya ko yan sagutin, may clarifications lang ako sa customer if ever.

Go ask the Manager sis, or go directly to the manager or Low counter staff. They can handle this type of concerns than tellers.

[freelancer_babe]

^ Yup sis, those kinds of questions are the ones handled by the low counter staff up to the manager. Bihira akong magtanong sa teller - nagtatanong lang ako doon kung walang pila. Sa experience ko most tellers can also answer the questions well.

Yun nga lang, I transact more using their cash deposit ATMs and online banking than actually visiting the branch. Kaya mas convenient na sana sa akin ang mga alternative means of customer support.

[gil12]

kamusta ang BPI My ePrepaid card? I'm planning to get one as replacement for my Eon card.

[hazeru]

^ePrepaid user here - since November. I've so far only used it for small purchases (under P1000) online, and it has never failed me.

I've forgotten if I had to enroll it in BPIexpressonline myself or if it just showed up automatically, but once in, you can just transfer money from your other BPI accounts to the ePrepaid card and use it like you would a credit card (only within the amount you transferred, of course).

The few times I used it at retail were also hassle-free. All in all, I like it very much and haven't had any problems with it yet.

[gil12]

^ thanks! 

[babyboo.0326]

if mag-mobile transfer ba tayo from Manila to province, may additional charge ba na 15 pesos?

[freelancer_babe]

kamusta ang BPI My ePrepaid card? I'm planning to get one as replacement for my Eon card.

If you still want bank account functionality, then you will still need your EON. Especially if you withdraw Paypal funds (unless you prefer to withdraw those funds using another bank account at another bank that costs you fees).

BPI myePrepaid is a good debit card, but lacks the functionality of being a bank account unlike that of EON. It's merely a cash card.

If you are OK with it and don't need such bank account functionality, then go, get BPI myeprepaid as BPI has generally better customer service in case something goes wrong.

[brahmzy]

Hello mga sis,

I need help. I have a BPI secured credit card. It's only been 6 months. I have a savings account with BPI. Diba dapat at least 10k laman ng SA mo para mabigyan ka ng secured cc? since 23k laman ng SA ko, 23k din ang credit limit na binigay sa akin...

What i don't understand is that, i recently withdrew 3k in my SA account, pero 23k pa rin naman ang CL ko? Ganun ba tlaga un? Ang pagkakaintindi ko kasi nung una, parang hold-out din un 23k sa SA ko kasi un nga din un credit limit ko... Now, Im not sure if secured CC nga un binigay sa akin or regular CC.

Help naman po..

[freelancer_babe]

What i don't understand is that, i recently withdrew 3k in my SA account, pero 23k pa rin naman ang CL ko? Ganun ba tlaga un? Ang pagkakaintindi ko kasi nung una, parang hold-out din un 23k sa SA ko kasi un nga din un credit limit ko... Now, Im not sure if secured CC nga un binigay sa akin or regular CC.

That's weird. You shouldn't be able to withdraw your 3k kung naka-hold ang savings mo.

Baka hindi naman secured CC ang binigay sa iyo? Kasi kung naka-secured CC ka, the bank will require you to open a separate passbook savings account or a time deposit account containing that hold-out account. You cannot withdraw that amount na naka-hold.

Baka sinuwerte kang ma-issue-han ng regular CC?

[brahmzy]

Yup, thanks sis! Just called the bank earlier.. The call felt like forever.. Haay.. 20 minutes ako nag-antay para magkaroon ng available agent. Goodluck naman sa phone bill...

Anyway, sabi nga ng agent, regular CC daw un akin kasi wala naman daw ako sa list ng starter program nila, and hindi daw naka-indicate sa records ko na connected un CC to any hold-out account.. Ayon, sinuwerte ako kasi regular CC nabigay sa akin.. hihi..

[freelancer_babe]

@brahmzy - Wow! that's great sis. The phone bill must be worth it. 

Thanks sa update!

[monamie02]

Hi mga sis, I have a BPI easy saver account for 2 or 3 years, question ko lang, hindi ba nagooffer ang BPI ng cc na hindi na maghahanap pa ng mga requirements like payslip etc, yung tipong ibabase na nalng nila kung approve ba or hindi sa laman ng account mo since hindi naman nagagalaw yung account at lalo pang pinapalaki yung laman nun. And ano yung Secured card thingy? TIA

[brahmzy]

Hi mga sis.. May tanong ako.. Paano ko eenrol ang merlaco and manila waters bills ko sa BPI CC ko?

Huhu, enrolled ako sa online banking.. Nakaenrol un CC ko and un dalawang SA ko.. Kaso kapag ieenrol ko un bills payment, laging ang lumalabas lang ay un dalwang SA ko.. Bakit hindi ko mapili un CC?

Gusto ko sana ienrol un CC sa bills payment to earn more points.. Sayang din un points eh..

[brahmzy]

  And ano yung Secured card thingy? TIA

Sis, read this post, your questions about secured CC's are all answered there...

http://www.femalenetwork.com/girltalk/index.php/topic,261282.0.html

And, I think all banks need an assurance na mababayaran mo un mga ichacharge sa CC, kaya tinawag na "credit" card.. pero, as I understand, may mga banks na may pre-approved for CC.. Kapag malaki talaga laman ng SA mo sa bangko, sila mismo ang tatawag sayo if gusto mo mag-avail ng CC... Pero kung ikaw mismo ang mag-aapply for CC, you need to give them a payslip or your latest ITR.

[freelancer_babe]

Hi mga sis.. May tanong ako.. Paano ko eenrol ang merlaco and manila waters bills ko sa BPI CC ko?

Huhu, enrolled ako sa online banking.. Nakaenrol un CC ko and un dalawang SA ko.. Kaso kapag ieenrol ko un bills payment, laging ang lumalabas lang ay un dalwang SA ko.. Bakit hindi ko mapili un CC?

Gusto ko sana ienrol un CC sa bills payment to earn more points.. Sayang din un points eh..

I think it's not possible to use the CC for bills payment - in BPI.

Ganyan rin kasi ang setup sa akin. Puro savings at checking account lang ang lumalabas na pagdedebitan para sa bills, CC not included kahit na-enroll ko na ito.

[babyboo.0326]

^parang may nakikita akong option na "pay bills from credit card" sa mobile app ng bpi. not sure lang though pero parang meron e 

[cheskacruz]

BPI account holder, convenient sa akin ang online banking kaso there were times last June palaging down ang system nila even atms. Sana this July wala na masyadong ganun. Plan ko rin mag-apply nung secured cc.

[hot_chili]

^parang may nakikita akong option na "pay bills from credit card" sa mobile app ng bpi. not sure lang though pero parang meron e 

coming soon pa lang tong option na to

[xyeZZZ]

Hi mga sis, just curious lang.  Ano po ba yung qualification to become a preferred client ng BPI.  I know na maraming freebies and cool benefits kug preferred client ka.