all about credit cards-thread 4

[Xade]

@MariaMakiling Sis maliit lang ang usual na swipe ko every month around 4k to 7k, may month pa na wala kasi gagamitin ko yung isang CC ko para mawaive naman yung AF niya.

[missreese]

^^hindi eh.. sayang naman. nagbayad na ko.

[Ejaxene]

May free annual fee for life uli ang BPI: http://www.bpicards.com/RealThrills/Details/2506

Try para sa mga wala pang BPI CC.

[tintin19]

Hi mga sis. I have a few questions, hope you can help.

I made the mistake last year of "applying" for Citibank credit card sa isang gas station. Mapilit kasi yung agent at naawa ako, although may BPI credit card na ako and I don't really need another one. Sabi nya "try lang naman". And so I filled up her form and she got my details, even took pics of my cc and ids.. a few months later tumawag isusubmit din daw nya details ko to other banks.

May mga tumawag na sakin like Metrobank (ata, forgot na) and Eastwest, even if di ako personally nag-apply dun (might be the doing of the agent). Tinanggihan ko kasi yung cellphone numbers e parang ordinaryong 11-digit SIM lang naman (I got used to BPI na landline ginagamit to call clients), and I don't like giving away (for confirmation daw) my personal details over the phone - kasi I've experienced scam calls na... so I've been rejecting every cc offer I get over the phone esp those coming from ordinary cellphone numbers.

Just this morning nagtext naman Eastwest, as usual from ordinary 11-digit sim # lang. Offering Eastwest Platinum cc. Free lifetime membership daw. Just have to reply "YES" to their text and they'll call me so they can process na nga. I don't need it, pero tempting kasi.

Here are my questions:
1. is the text/call and offer for Eastwest bank legit? do they really transact using regular 11-digit cp numbers?
2. Is Eastwest bank cc any good? magaganda ba ang perks and promos? is the hassle worth it para sa non-accountholders?
3. What is the credit limit of Eastwest Platinum cc?
4. Safe ba info natin sa mga cc agents like nasa malls and gas stations? Hay naku I really regret giving in dun sa agent last yr..

Kasi right now I have BPI Gold cc, kaka-1yr pa lang, had to request for waive anually pa. Pero BPI accountholder ako, hassle-free sa checking of SOA and cc bill payment coz I do it online na lang. But sometimes, I want to have it cut dahil I want a new cc with a lower limit for safety reasons.

I'd like to know if it's worth it to "switch" from BPI cc to Eastwest cc though non-Eastwest accountholder ako. TIA mga sissies

EDIT: Meron na po ba sa inyo nakasubok magpa-lower ng CL sa BPI? Hindi ko naman kasi namamax-out yun, 10% lang ata ng CL nagagamit ko tas nakakatakot pa pag-nawala ko yung card. tia!

[j.adore]

Talagang nag-effort pa sila ng snail mail http://www.wheninmanila.com/beware-of-new-credit-card-scam-fake-representatives/

tintin19, I do think this is dubious kasi pag may agent, dun lang sila sa iisang company. Sayang naman your BPI. Most people get denied both request for CC or increase in limit. Why don't you call them to ask about their safety features? Meron kasi for their online card so maybe they have something for the main card too.

[babythug28]

may nakapagtry na ba gumamit ng Citibank Cashback points/rewards sa SM Cinema? swipe lang ba yun or kelangan pa itawag bago magamit yung points?

[tintin19]

^^- nakakatawa naman yung letter sis, halatang fake. BPI would never use ordinary 11-digit numbers to contact clients. Tas ibang # pa yung provided na BPI hotline.

Nakakatakot na panahon ngayon. One of my fears nga e may mag-apply ng credit card under my name.

sis j.adore thanks for the input! Forgot to mention the agent told me she's no longer with Citibank when she called to tell me inapply nya ako sa ibang banks. I know I should be grateful for my current BPI cc - it was pre-approved and I didn't have to request for it, with a CL na way more than enough para sakin. But since anjan na, I utilize na lang and take advantage of the promos. Never got the chance to ask them if pwede i-lower ang CL and if may security features in case mawala yung card. Sana they have this feature na kokontakin yung card owner for verification for transactions worth tens of thousands or more. Nakaka-paranoid kasi sis, pag nawala mo lang yung card tas di na-notify agad ang bank, cardholder pa din ang responsible sa mga purchases after mawala yung card... pano kung mataas CL mo eh di yari.

[ayi21]

As far as i know may mga nagttrack and nagveverify talaga ng transaction from BPI e lalo na pag online transactions. Naalala ko madami kami online transaction last time nung papunta kami ng SG. All tix kasi binili namin online and we use our CC from BPI. Tapos may nagttxt to verify kung valid or kung kami talaga yung nagtransact nun. I verified the # sa BPI, valid naman daw. Eto yung # 09175489100

[happynlove]

may nakailang missed calls na naman sakin kanina. I think it's Citibank. Sinagot ko yung last call pero binaba naman. Masabi lang yata na nagfollow up sa client.

[shobe17]

mga sis, kelan ba nagcha-charge ng annual membership fee si BPI?
in-apply ko as extension si sis at bro-in-law ko, so nareceive ko na ang card last sunday.
pag tingin ko sa bill ko, may annual membership fee na agad sa kanila dalawa.
ganun ba talaga? di pa nga nagamit card may annual membership fee na?
sorry, yung 1st supplementary ko kase free for life tapos yung sa akin na primary laging waive kaya di ko alam kung kelan ba talaga sila nagcha-charge?

TIA!

[Queen Chokolah]

sis tintin19, if I were you, I would never replace my BPI credit card with any other card. Hahaha sorry super like ko talaga features ng BPI. Pangit lang hotline nila sobrang tagal bago ka may maka usap. Maybe you can try asking nga about security features like one sis has advised, na kung sumobra sa ganitong amount, tawagan ka kaagad. Para kung hindi ikaw yun, ma block nila ang card.

Hay nako may ganyang agent na tumawag sakin nung nakaraan agent din iaapply nya daw. sobrang kulit kasi mayat maya tumatawag pa isa isa ng tanong. tapos nitong nakaraan sabi ba naman sakin sabihin ko XX years  na daw ako sa office (na hindi pa naman) at xxxxx daw position ko eh hindi naman. Naoffend pa nga ko kasi yung sinasabi nyang position is mas mababa sa position ko ngayon hahaha pinagalitan ko, sabi ko, ate, tinuturuan mo pa ko mag sinungaling. Hindi ako sinungaling kaya itigil mo na yan i cancel mo lahat yan. At binabaan ko na ng phone. Nairita talaga ko ang kulit kasi.

Naku nakakatakot ang mga scam ngayon. Mas magiging maingat na ko lalo na sa mga agent.

Sis shobe17, usually 1st year free lagi ang annual fee kahit sa supple. Maybe you can ask citibank and pa waive mo.

[samtorini]

Share ko lang EastWest 'experience' ko.

Hindi ako nag-apply ng EastWest card pero nag-mail ang EastWest ng card sa akin. Nakalagay dun, i-activate ko lang or something for me to start using the card. Credit limit is 300K. (I assume Platinum sya -- I forgot). Kasama ng card yung brochures ng perks ng card. Like, 20%-50% discount on published rates sa hotel. Hindi ko na maalala exact names ng hotel, but they are fancy and popular hotels (somewhere in Davao, Cebu, Batangas)

Pero hindi ko ina-activate. Bakit? Kasi ang kulit ng agents nila. Tawag ng tawag sa cp ko, then pag di ako sasagot, tatawag sa office ko. Kairita much. At di ito one time lang na nangyari sa akin.

I have a BPI card. I'm happy with BPI. I have an account sa kanila kaya super convenient magbayad ng bills.

[tintin19]

@ayi21 wow that's good to hear na may ganyan ang BPI sis. How much inabot nung online transaction nyo? May pina-activate ka ba na security feature or baka automatic na yun depende sa amount?

@Queen Chokolah thanks sis! I love BPI too, maganda nga banking features nila. Ayaw ko lang sa cc ko ay yung CL at annual fee. Sana lang free for life na kasi pre-approved naman. Onga sis tamad din ako tumawag kasi sa hotline nila sa tagal bago makausap ang csr.

@samtorini thanks for sharing sis! Accountholder ka ba sa Eastwest? San kaya nila nakuha deets mo sis? Hindi sila dapat basta-basta nagsesend ng cc, grabe pano kung napunta sa maling kamay yung cc na yun, tapos ikaw ang masisira. Hehe sorry paranoid lang, hilig ko kasi mag-basa ng credit card horror stories.

Onga pala, last month BPI sent me E-credit card, companion card daw sa current BPI cc. Lower limit sya and to be used for online transactions para safe pa din yung cc natin. I think it's a good move by BPI, nakakatakot na kasi these days, kahit sino lang makakuha ng name, cc# and cvv code mo (either yung waiter or saleslady na inabutan mo ng cc), makakapag-purchase na online.

[ayi21]

^wala naman kami pinaactivate na security feature. Nagulat na lang kami na may mga nagvverify pala na ganun. Hehe. Madami-madaming transaction kasi yun halos lahat ng attractions na pinuntahan namin sa SG online namin binili kasi masmura. Ranging from 5k-20k per transaction. Kaya siguro nagtaka sila kaya kinonfirm kung kami yun. Hehe. Pero last month lang nakakatuwa din nagorder kami sa Yellow Cab online di namin napansin na nadoble pala yung charge akala namin di kasi nagsuccessful yung una. Less than 1k lang yung transaction pero nagtext sila ulit to verify yung transaction buti na lang nacancel agad yung isa.

Preapproved din yung CC namin BPI Gold.  So far happy naman kami with BPI. Ang bilis din lang magpawaive ng annual fee. Hehe.

[tintin19]

^- wow nice. Ibig sabihin binabantayan din talaga ng BPI transactions no.

Same tayo sis BPI Gold din pre-approved. Rerequest ako pa-lower ng limit nakaka-paranoid naman kasi pag nawala. Nagpa-waive na din ako annual fee once. Nung nag-request ako pa-waive, denied. Sabi ko ipapa-cut ko na lang, ayun winaive bigla. hihi

[ayi21]

Yes! Lalo na siguro talaga yung online transactions.

[sachism]

For BPI CC holders, did they send you a cake on your birthday? Thanks.

[blackgreen]

^wala pinadala sa akin last year. May ganyan ng promo bpi ngayun?

[babythug28]

wala akong nakuha last feb sis. kahit bday greeting man lang from BPI hehe

[sachism]

Im not actually sure if it came from bpi cards or sa accounts. Nakalagay lang kasi from bpi.