BPI - Thread 3

[prickyslime]

^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.

aw.. hala ilang mons na nakalipas. lol paano ko ba siya paactivate ulit? thanks sis

[honeybunny]

^punta ka sa bank mo if pwede ipaopen ulit.

[theamazinganna]

For those with BPI cc, there's no charge naman if i make multiple payments within a month right?

What I've been doing kasi is I charge the card, then once the charge is reflected, i pay it na without having to wait for the statement of account.

With my Metrobank kasi there's a 20 peso charge if you go over 2 payments in one month.

[forumera]

^no charge sis. I do that sometimes.

[RedUy]

My secured credit card application was denied. 

[pocahontas]

mga sis meron ba sa inyo nagdedeposit sa bpi thru atm terminal (using deposit envelope)? usually ilan banking days before pumasok sa account nyo yung deposit nyo? thanks

[happynlove]

^sis magdeposit machine ka nalang, yung walang envelope.ang alam ko real time yun.pero applicable din siguro yung 10pm cut off.

[pocahontas]

di kasi ako umaabot sa banking hours sis til 5:30 kasi work ko. kaya no choice ako kundi magdeposit thru atm terminal. lahat po ba ng deposit machines sa loob talaga ng bangko nakalagay? sana magkaron din sa labas yung parang atm style para real time and no need na envelope.

[happynlove]

Nasa labas lang yun sis kaya even after banking hrs pwede.usually opposite side lang ng atms. Yun yung malaking machine na iba itsura nya.

[pocahontas]

ay dun ako nalungkot sis yung dito kasi sa area namin nasa loob sya ng bpi. na-try ko na magdeposit thru deposit machine dati (absent ako from work nun kaya nakapag bangko ako) at halos wala pumapansin dun sa machine kasi most depositors thru teller padin ang transactions. sana sa labas na lang din nila ilagay for the beneit of those na di umaabot sa banking hrs. di ba yun naman talaga ang purpose nun?

[happynlove]

Yup..oh well..sa bpi sa baba ng workplace ko kasi nasa labas and may guard pa rin naman.hanap ka nalang ng ibang bpi branches na malapit, for sure may ganon.

[pocahontas]

ganun na nga lang.   anyway, thanks sis happynlove. inggit ako sa bpi branch mo

[RoadrunnerXCX]

kahit close ang bank maraming BPI  ATM deposit machines na nasa glass enclosure open 24/7 kaya nakakapag deposit ako anytime. pero 10pm cut off applies kapag nag deposit ka after 10pm... next day na ang credit sa account mo.

[honeybunny]

BPI just called me yesterday about BPI Gold credit card, sabi waived daw ang annual fee for the first year.

this will be my first time na magkaron ng credit card just in case maapprove

question, if i make a purchase using the credit card, zero interest, example i bought 10k item 2 months to pay. if i pay 5k a month, then wala akong babayaran na interest? o meron pa?

[forumera]

^sis depende sa tindahan, for example ang price ng item 10k nga, pag sinabi ng store, zero interest e di zero yan, pero minsan may store na 10k ang cash, 11k pag installment. and usually 3 and 6 months to pay ang installment arrangement. Meron din 12 months, 24 months, wala pa ako na encounter na 2 months lang.

BPI cc is very good. Good choice sis.

[honeybunny]

^let's say 10k yung installment na 2 months to pday.. so ang bill for the first month will be 5k lang, then the 2nd month, 5k land din diba?

thank you sis.

[forumera]

^yes, pero usually 3 months, wala pa ako na encounter na 2 months [textspeak!]

[dismembered]

BPI just called me yesterday about BPI Gold credit card, sabi waived daw ang annual fee for the first year.

this will be my first time na magkaron ng credit card just in case maapprove

question, if i make a purchase using the credit card, zero interest, example i bought 10k item 2 months to pay. if i pay 5k a month, then wala akong babayaran na interest? o meron pa?

I was offered din 2 years ago. Wag ka.. waived ang 1st year annual fee, pero after a year, yung unang days ng ika 2nd year mo dun ka sisingilin. so parang binayaran mo rin yung 1st year mo na sa last month ka lang nagbayad. Annual fee is about 2250 pesos yata.

sa question mo naman, unless sinabi ng store na zero percent interest, dun ka lang walang interest.

[honeybunny]

so is the payment ng annual fee ba binabayad sa start of the year? i can call naman ang have it cancelled after the first year diba?

[cleslie05aj]

Meron bang BPI to Gcash? via online banking? Katamad magpunta Globe e hehe, kung wala sana magkaroon soon!

yes sis meron, niregister ko yung gcash number ko sa bpi or vice versa (hindi ko na matandaan kung alin ang nauna ^_^) tapos via globe sim na lang ako nagttransfer by calling *119# then sundin na lang yung inctructions on screen....