BDO

[telekikay]

BDO SUCKS!
 
Just this afternoon on my way home, i received the notification of my charge on demand for my meralco that it was not approved. So I called their customer service asked why it was declined. I am sure for a fact that theres enough fund for the charge on demand since I only use their card for my Meralco charges. So when they checked, they simply told me that their customer representative have inputed a wrong reference number. So I told them but I charged it one week before the due date and yet nobody dared to inform me that there is something wrong with it. Btw, i have been charging my meralco to them every month for 3 years now and everything went smoothly. They sent the notification text message 2 days after my due date. From what I know the charge on demand is being approved in 3 banking days. So that meanS they still have 4 days to inform me, but no they did not. Then, so i asked them can you do recharging, all they told me is that as per policy since it is overdue already they cant do anything and that I have to pay it at Meralco. (Very nice right, after 2 days being overdue and it is not even my fault why it was overdue).

I am disappointed and told them what if their customer dont have cash on the spot to pay for their bills. That means they will their utilities disconnected and then again they said, im sorry we have inputed the reference number incorrectly but we cant do anything about it.

So there I have to rush to Meralco under scorching heat since I left my car at the maintenance shop. And they are lucky enough I have the cash to pay for it.

BDO dont give a s*** about their customers regardless if you are good paying customer. For three years i never had a late payment with my credit card. I pay my card in full one week before the due date. But because on how they handled my issue which is clearly their fault, I have decided to have my credit card with them cut for good.

did you request through their call center? or online? no advise  that your payment was not processed? hassle pag na past due sa meralco.

[chicafabulosa]

did you request through their call center? or online? no advise  that your payment was not processed? hassle pag na past due sa meralco.

I called their hotline kasi when i charged under maintenance site nila. So i didnt get any advice from them right away that there is something wrong sa pag encode ng staff nila. The only advice I got from them na it didnt push through was through text and after 2 days overdue na ng bill ko. I hate getting late on paying my bills. Thats why i will have it cut na and just keep my Citibank

[telekikay]

^i see. i also use credit cards in paying my bills. hassle pumila, lalo na sa mga banks on a pay day ha. i prefer online banking. ok sa akin charge on demand kasi one time lang sya and i get to monitor the bills.  im starting to use the auto charge facility as well, medyo kinakabahan lang ako baka hindi ko ma-monitor.

hows citi one bill doing? mas madali kay bdo?

[chicafabulosa]

^i see. i also use credit cards in paying my bills. hassle pumila, lalo na sa mga banks on a pay day ha. i prefer online banking. ok sa akin charge on demand kasi one time lang sya and i get to monitor the bills.  im starting to use the auto charge facility as well, medyo kinakabahan lang ako baka hindi ko ma-monitor.

hows citi one bill doing? mas madali kay bdo?

True... Well mas okay sya and mas updated sya. Real time kasi yung pagbawas sa credit card available balance so pag tumawag ka sa kanila mas helpful sila and mas alam nila ginagawa nila compared sa bdp reps

[traxxex21]

@ sis TowBerryBlue Totoo sis? OMG.. need ko na mag transfer ng mga accounts ko . i remembered nag kautang ako before sa bdo (not my fault btw)

[telekikay]

@ sis TowBerryBlue Totoo sis? OMG.. need ko na mag transfer ng mga accounts ko . i remembered nag kautang ako before sa bdo (not my fault btw)

nakow, not your fault is still your fault if nakapangalan yun account sayo.

[nicola_juliano]

Yes, I have the same feel about BDO. They didn't give any loyalty programs ek ek for CC holders for 3 years and above... Oh well...

[traxxex21]

I know telekikay. that's the sad part

[telekikay]

Yes, I have the same feel about BDO. They didn't give any loyalty programs ek ek for CC holders for 3 years and above... Oh well...

other cards ba meron? ang offer sa akin sa hsbc, low BT saka waive annual fee pag may usage ng 5k. more than 5 years na ako hsbc CH.

[Ms.Mafi]

Hi guys,

Planning to get a BDO SHOPMORE CREDIT CARD. Meron kasi sila ngayon sa SM Malls.

Any reviews about BDO Shopmore? negative or positive inputs?

Thanks guys!

[blackgreen]

^hi sis. I am using BDO Shopmore for 7 years. Wala naman ako na-experience na negative except that monthly ako magpa-waive ng monthly fee. Sayang din kasi yun Php75 per month.

[Ms.Mafi]

Hi sis blackgreen, as in monthly tatawag ka sa kanila?

Eh pano sis kapag halimbawa tapos ka na dun sa mga monthly mo? for example tapos ka na dun sa 6 months mo. eh since montly ang bayad sa annual/monthly fee, basta monthly may billing statement ka na darating kahit na yung montly fee lang ang laman ng billing statement mo?

I have my BPI na. Kaso na curious kasi ako sa BDO shopmore since lagi kasi kami sa SM namimili, dahil mas malapit kami sa SM Malls compared sa mga ayala malls

[blackgreen]

^Yup, every month ako tumatawag sa kanila to waive. Diko pa naexperience na wala ako due ginagamit ko kasi for groceries etong card. Dati may time maliit lang balance ko di nila inapprove kasi daw need at least 3k purchases. Pero this year, may time naman na less than 3k yun purchases ko na-approve naman yun pag-waive.

[nicola_juliano]

^Yup, every month ako tumatawag sa kanila to waive. Diko pa naexperience na wala ako due ginagamit ko kasi for groceries etong card. Dati may time maliit lang balance ko di nila inapprove kasi daw need at least 3k purchases. Pero this year, may time naman na less than 3k yun purchases ko na-approve naman yun pag-waive.

Sis, try to call BDO and request na imbis monthly ang fee, make it yearly. I did this 2 years ago for my bdo cc (not cc savemore) and they approved it. Yearly na ako nagbabayad then pinapareverse ko after paying it. Hassle din kasi sa part mo if you're paying and reversing it monthly sis.

[blackgreen]

^thank you so much sis. They approved it. I asked how much yun minimum purchase requirement to waive yun annual fee pero di daw nila yun dinidisclose.

[marnmarn]

Got my first ever credit card from bdo last February, October na max out ko na yung credit limit... psooible kayang mawaive yung annual fee ko?

hehe... saying naman kasi... 

[zaji731]

does anybody know why BDO asks for proof na aalis ka ng bansa before they change your money into dollars? For anti-money laundering ba?

One of the reasons perform all my banking transactions online (aside from the convenience) is due to the account managers (?) not entertaining my questions. Porket konti lang ang laman ng savings account ko, ayaw nila akong pansinin. Mas helpful pa ang phone support nila. hmph   

I think its got something to do with BSP regulations. Banks are directed to have strict banking policies and procedures when conducting transactions involving sale/purchase of foreign currency, to maintain sufficient level of foreign curr reserves in PH, which helps ensure convertibility of the ph peso.

Mostly di naman ata kelangan proof of travel abroad, though they do ask your reason for the curr exchange. You fill out some kind of form din pag ngexchange ka ng curr, for documentary purposes kasi required ni BSP.

Other banks actually wont allow you to exchange curr unless may account ka sa kanila.

[crzysxycl]

Mga sis, sino na nakabili ng foreign currency from BDO? Ano po experience nyo? Nagtanong kasi ako kahapon, kailangan daw ipareserve yun. Aabutin daw ng 3 days to a week, ang tagal naman nun 

[kukii]

Hi guys! Quick question, does BDO accept check deposits (from another bank) to my Peso Savings Account? TIA!

[crzysxycl]

^yes sis.