BPI - Thread 3

[leelou]

Nope, no need for referrals para maka free for life! Gusto lang ng GTalker na to na makakuha ng 1500 shopping credits hahaha style mo sis ah

Aug 15-Sept 15 na application for new cc holders free for life talaga regardless kung may code hahaha
http://www.bpicards.com/RealThrills/details/2506

sorry naman sis i didn't know na may ganyang promo ang BPI. it's just that i received an email na may ganung referral promo. kaya nga when people ask kung paano makakuha ng code kasi they would refer a friend, i tell them that and to call CS. like i said, kung gusto lang naman.

anyway ang difference lang nila ay yung condition na 5k transaction.

ang daya lang ang promo nila laging sa new applications. sana naman magkarron din sa existing card holders 

[PrincessC]

oo nga, sana meron din for existing cardholders.

[honeybunny]

meron bang BPI credit card na pag nag purchase ka online online, merong PIN na itetext sa phone to confirm the purchase bago mag push through yung transaction? para mas secure sya..

[Ejaxene]

meron bang BPI credit card na pag nag purchase ka online online, merong PIN na itetext sa phone to confirm the purchase bago mag push through yung transaction? para mas secure sya..

Beats the purpose of the convenience of using a credit card. If you want PIN based, debit card na lang.

ApplePay kinda works like you mentioned... but hindi rin to some point.

[forumera]

Pwede ba mag request ng new atm card sa branch or kailangan over the phone?

[milenya]

newbie in cc here, is it possible to have my purchase worth 4k converted from straight to installment? BPI cardholder here TIA!

[friendlyneighbor]

^pwede sis but it will incur interest. You can call their cs to check kung magkano. Might as well pay first  the minimum balance required before deadline, then habulin mo yung remaining balance before mag cut off para di ka magka-interest.

[melodymedley]

Is there a less painful way of informing BPI that I will be using my credit card overseas? Other than calling 89-100? I'm usually stay on the line for at least 20 minutes before I get to talk to a phone banker - that's a lot of time of waiting for a short and straightforward phone call.

[m_lim]

^sadly, ganon talaga ng BPI. mauubos oras at pasensiya mo pag tumawag ka!

[Drax]

Does BPI still issue the e-credit card?  It's supposed to be safer to use for online transactions because it uses a virtual credit card number and a lower credit limit.

I used to have one, but I lost it long ago.

[forumera]

^I have it too but I don't know if they are still issuing new e-credit. But why wouldn't they. Maybe they still are issuing... I use it whenever I buy online. You can set the limit too.

[chibbyme]

Question! Pede ba mag open ng savings account kahit may unpaid creditcard (other bank)? Planning to open sana ng savings account para sa mga client ko sa online shop.

[Tehsee]

^ Hindi ko pa na-experience na kapag magbubukas ako ng savings account e may background check.

[freelancer_babe]

Bihira na ang BPI branch ngayon na walang pila.

Halos lahat ng branches na napupuntahan ko, big and small, manila o probinsya, punung puno ng clients.

Kahit yang BPI hotline, may pila pa rin.

Nawala na yung OK na customer service nila.

[Shadow Angel]

Mas ok sa akin ang pila sa bpi compared sa bdo

[melodymedley]

Bihira na ang BPI branch ngayon na walang pila.

Halos lahat ng branches na napupuntahan ko, big and small, manila o probinsya, punung puno ng clients.

Kahit yang BPI hotline, may pila pa rin.

Nawala na yung OK na customer service nila.

I super agree! Pila talaga. I think they gained a lot of customers kasi sobrang okay talaga yung mga features nila - yung cash deposit via ATM, check deposit via ATM, pati yung BPIexpressonline daming magagawa dun. Pero hindi sila nag-dagdag ng staff to accommodate the increase in volume of their customers.

[hisana]

Does BPI still issue the e-credit card?  It's supposed to be safer to use for online transactions because it uses a virtual credit card number and a lower credit limit.

I used to have one, but I lost it long ago.

I have that e-credit card and it recently got used fraudulently. I put a limit of 20,000 on it, pero kahit nag-exceed na yung purchases sa amount na yun, pumasok pa rin yung mga transactions (kaya tuloy medyo malaki yung amount nung fraudulent transactions, but thankfully ni-reverse naman nila), so I don't really think it's that safer than the regular card.

[freelancer_babe]

@melodymedley - yup true.

Of all banks, sila nga ang may best features.

[prickyslime]

Guys, HELP.
na-withdraw ko lahat ng laman ng account ko a few months ago. Tapos nala-login ko pa siya sa bpi express pero may natira panaman kaso di na abot doon sa dapat minimum na laman ng account ko,
pag nag-deposit bako don ulit mababawasan kaya nila? Mga magkano kaya? At pano ko ba malalaman kung active pa tong account ko at di pa closed .. baka kasi masayang lang pag-deposit ko.

[honeybunny]

^as long as yung Average daily balance nya for a month is not below minimum. usually they take it on the first 5 days of the next month.

example. average daily balance (ADB) mo dapat 3000.

on january 1-5, balance nya is 5k
then nag withdraw ka ng 4k nung january6, e wala ka pang money,
so yung balance nya from january 6-20 is 1k na lang.
u need to make sure na when u deposit on january 21, dapat mas malaki sa 3k, or bigger if u can

kasi BPI will add your daily balance, then average it in 30/31days, dapat total nyan is not less than 3k, since yun yung maintaining balance mo

if bumaba sa 3k yung ADB mo, kakaltasan ka. alam ko 250.

now, if super below na balance mo like 100, tapos nagkaltas pa si BPI ng 250, u owe them 150, so the account will be closed na.