all about credit cards-thread 4

[mebpa]

^ok, thanks

[lovely_chic]

Just got a text from Citibank that they gave me a credit limit increase. It's good enough coz I never ask for it but they gave me.

[donselle]

Hi! I applied for a BPI Blue credit card via online last Saturday. Kanina pinadala ko yung mga required docs via fax. Gaano katagal ang processing ng application ko? Any chances na maga-grant yun, considering na first CC ko ito? TIA!

[charmed_gal]

^ good luck sayo sis, ako kase mag one month na application ko sa BPI, may three times na hinihingi un mga requirements ko at three times ko na din pinapadala,  kaya hindi ko alam kung pinaprocess ba nila application ko 

[lovely_carrot]

Medyo weird yung sa Metrobank rewards

For 10,700 points, I can have a waived annual fee worth 2K

For 16,950 points, I can have GC from SM worth 1K

Syempre obvious choice ko na waived annual fee kasi mas mataas value nya.

[freelancer_babe]

^ I would like to block a certain merchant from "autobilling" my card.

Kasi nahihirapan akong magblock ng merchant na ito sa end nila.

Is that possible? Or talagang block at palitan ko na ang card ko?

[lovely_carrot]

Usually naman pag itinawag sa bank to stop the auto-billing of certain utilities, it isn't that hard. I had a previous experience with HSBC, itinawag ko lang sa customer service nila and told them my reason for cancellation. Now if its the other way around like sa merchant ka magrerequest na i-cut na nila, you can also call them or write a letter of request cancelling the auto bill or auto debit facility.

[Queen Chokolah]

I am very happy with my BPI Petron CC. I just had my annual fee reversed. may 3%-5% rebate pa sa gas station. Tapos nagpadala pa sila ng eCredit for secure online shopping. Recenltly, andami ko nareceive na Shop anywhere coupon tho hindi ko pa natry magclaim. kahit saan jollibee or greenwich accepted yung coupon? pwede bang hindi printed coupon ipakita?

Hi sis. Actually sa greenwhich at chowking, not sa Jollibee. Sa JB last time pero tapos na yun. No hassle na mag redeem ngayon. Pakita mo lang yung code, printed, written, sa phone, or whatever then sila na bahala. Kahit sino din pwede mag redeem I super like this feature na with BPI kasi automatic na nila isesend coupons mo.

Dati kasi, you have to present the charge slip, at card holder lang pwede mag redeem. You have to show the card too. So kung faded na yung slip, di na pwede.

Then binago nila. By text nila. Pero noon, every time mag swipe ka ng pasok sa promo amounts, itetext mo din yun isa isa with the approval code, date, amount, etc. at matagal yun minsan di pa dumadating coupons, so sayang load.

Then naging ganito, automatic. The best so far. No faded slips, walang pagsasayang ng load.

[geekgurl]

mga sis, nagkaroon na ba kayo ng anomalous transaction sa CC niyo?
Minsan tuloy natatakot na ako gamitin CC ko everytime magpapagas ako. Kasi diba ibibigay mo yung credit card tapos yung payment doon sa booth nila na di mo kita. baka kopyahin nila mamaya yung info.

[tintin19]

^- wala pa naman so far. Yan din kinakatakutan ko when paying using cc sa restaurants.

[nikki]

my hubby had fraudulent transactions with his BPI cc before. if i remember correctly, it was BPI who called him to confirm the transactions made within 2 days at SM south mall.  i think inabot over 50k din lahat.  we are from QC btw.. so there, BPI gave us a form that hubby will sign and return to them  and sila na bahala mag reverse.  they also had to terminate the cc and gave him a new card.

[chicafabulosa]

mga sis, nagkaroon na ba kayo ng anomalous transaction sa CC niyo?
Minsan tuloy natatakot na ako gamitin CC ko everytime magpapagas ako. Kasi diba ibibigay mo yung credit card tapos yung payment doon sa booth nila na di mo kita. baka kopyahin nila mamaya yung info.

Just had my citibank replaced my card after madetect nila na naclone card ko

[mxherr5]

@nikki,

Was your husband still in possession of his card when the fraud took place?

[nikki]

^yes sis, he had it all the time. Nakakapag taka talaga how his card was used for those purchases which seems eh nas -swipe sa terminal. Hindi naman siya online stores. I clearly remember SM department store talaga. 

His HSBC card din pala was replaced by HSBC.. Wala naman recorded transactions but HSBC said it was compromised daw so they replaced. Minsan talaga nakakatakot. His HSBC card in particular has a limit of over 500k pa naman.. Hay

[babythug28]

available na ba yung new CC from BDO na may cashback feature? mas magiging ok kaya yun kesa sa citibank cc?

[imeego]

Share ko lang..may loan application kami sa isang bank for a business venture sana, we were surprised when they informed us na may delinquent cc daw si hubby sa citibank with unpaid balance of 90k since 2010 or 2011 ata..Eh bdo cc lang meron sya, never sya nag apply sa citibank..wala syang nareceive na card, billing statement or anything ha.. Si hubby pa naman takot nga sa cc, always in full magbayad and lahat ng receipts nakatago at he maintains only one credit card lang talaga..Pwede bang case of identity theft ito? Nagpagawa pa kami affidavit and submitted all documents/ receipts of his bdo card to prove na malinis ang credit standing nya.. Nakakainis lang na pwede palang magamit ang name mo at magkaron ng utang and negative credit standing na wala kang kamalay- malay

[ikaela]

^Whoa, that's scary!

Meron kaya way to check kung ginamit yung name mo sa mga fraudulent transactions/applications? Like, is there a credit bureau here in Pinas that we can call?

[imeego]

Yea scary nga..sana nga may paraan para macheck..talagang clueless kami paano nangyari yun

[happynlove]

Gusto ko din paconvert amex ko to cashback.sana kasi dumami na din merchants who accept amex dito.

Mga how many times a year promo ni BPI na waived af? Kung ipapasecured cc ko ba savings ko during that promo maquaqualify din ako?

[chicafabulosa]

[quote author=ikaela link=topic=288609.msg8078576#msg8078576 date=1435371797

Meron kaya way to check kung ginamit yung name mo sa mga fraudulent transactions/applications? Like, is there a credit bureau here in Pinas that we can call?
[/quote]

There CMAP to check your credit standing sis. As for the way. Sa akin kasi sis naclone pa lang di pa actual nagamit nadetect agad ni Citibank few weeks ago. Kaya now I got a new card after 3 days na wala kasi pinalitan nila. With BDO CC, unfortunately wala silang way or system like Citibank to detect if naclone cards natin. Their way lang daw is if may na notice sila na kakaibang pattern ng transactions. E.g. I use my card lang for groceries all the time then bigla may isang malaking transaction na one time payment lang like phone, tablet etc. dun lang daw sila tatawag sa atin.