Credit Card - Thread 2

[prettychestnut]

One time password - for security purposes po mga sis.

better ask your bank of account for assistance.

inannounce na yan sa amin (i work in a  bank) lalo na sa mga may internet banking. =)

[mommycute46]

One time password is one way to secure your CC for unauthorized transactions. This will serve as final authorization for a merchant to charge your card when booking online. Maganda siya dahil bago macharge yong card mo, may text muna with the amount of charge and password to finish your booking/online shopping.

Metrobank and CITI ko okay dito, eto lang Bankard may problem pero hindi ko na pinapaayos since balak ko siya iretire.

[froufrou]

I see. Thanks sa enlightenment mga sis. I've worked with a bank din before (credit card dept) but tagal na kasi ako resigned. I was not aware of this one time password until now. Hihi

[Jaguar.Paw]

nung High School at College days ko (2001-2009), i have Citibank and HSBC. ginawa kasi akong supplementary ng Ate ko. madalang ko lang gamitin pero ok naman sila.

HSBC - pag malaki ang spending mo, iincrease ka nila agad. kay Ate, from 40k to 70k less than a year. voluntary increase by HSBC. ok din kasi sa ATM pwede magbayad. no hassle. meron sila sa the Fort.

Citibank - di masyadong nagamit ni Ate ito.

both HSBC at Citibank eh masipag maningil!  lalo na pag third party na.

pag graduate ko, yon, pina cut ko na lahat. nagkaroon ng work, naka ipon ako ng sarili.  kaso pinadalhan naman ako ng BDO (eto walang keme keme pinadala na lang basta) at ng BPI (at least eto tumawag muna pero para lang i confirm address at what type of card)

BDO
- pinadala lang saken ng bank
- nung unang bigay nila, 20k ang limit then pwede mag increase either by them or your request
- ayos naman kasi you can pay online or thru ATM
- ok EXCEPT:
- may unauthorized charge na nacredit agad on next billing cycle dahil inaraw araw ko ng tawag at email. FYI: if you want a new card with new digits, babayaran mo yung replacement. p400? p500?
- na double charge ako sa shakeys (feeling ko mali ni merchant ito. kasi minsan delayed response so isaswipe nila ulit)
- monthly i chacharge ang annual fee! (wais! lalo na para sa mga may balak na putulin mid year) so, annual fee / 12 = monthly charge
- nag purchase ako one time online, denied by card issuer. well, this happens naman talaga (i know because i used to work in PayPal)
- free ang annual fee for first year ? free mag apply ng 1st supplementary? di ko na matandaan e. matagal na kasi.
- may points keme keme kaso suntok sa buwan dapat ang purchase e.g. 3700points = p500 sodexo
- may promo promo din kaso min. purchase na hindi naman ako umaabot. usually, 1k above sa specific establisment

BPI
- pinadala lang saken ng bank
- unang limit P40k
- nirequest ko yung BPI petron para may rebates when i gas up
- no more points kasi may rebates na
- madalas mag host ng bazaar so free passes na
- mas madaming perks at discount compared sa BDO
- same din na may promo promo with min. purchase na hindi naman ako umaabot. usually, 1k above sa specific establisment
- free for life ang 1st supplementary (kaya nilipat ko ang nanay ko dito kasi di nya madalas gamitin. sayang bayad ko sa BDO annual fee)

mas OK BPI for me.

[nicola_juliano]

Naka-receive ako ng new BDO CC 2 weeks ago dahil mapapaso na this May 2014 yung old CC ko from them. They have a new feature sa BDO CC called "Payscale". When I read the whole brochure, wala ako naintindihan sa new feature nila. May nakakaalam ba ang tungkol dito?

Yung new CC ko, kakaiba sa dati kong CC. Colors are the same, pero may maliit na chip na nakalagay sa may gilid. They say it's a new added feature ng mga CCs. Any idea about this new feature nila?

I also received a call from BPI and they give me a CC. I said yes kasi I'm getting married soon and I decided to get a supplementary card from BPI instead sa BDO. Medyo nagulat lang ako kagabi kasi yung CC ko, automatic na na-register sa online banking ko. Kinabahan ako kasi hindi ko pa naman sya nireregister dahil hindi ko pa narereceive yung card, automatic na nailagay sa online banking ko. Anyone who experience the same po? I've called BPI, ok naman daw. Kaso yun nga, wala pa CC ko.

Medyo takot lang ako humawak ng two CCs. I am not sure how to use BPI CC and I'm sure it's perks and etc are different from BDO. But I do know BPIs have more perks compared sa BDO.

[chubzkittinz]

Anyone have tried to apply personal loan for cc payments?

[pretty_B]

anyone here na may metrobank cc? any feedbacks? i need cc na kasi and sa metrobank lang ako may kakilala na magpprocess which means mas malaki chance na maapproved ako. haha.

[cody23]

@nicola_juliano

I think you are referring to PayWave? This is the new features of BDO cards, I received one also for my expiring card, haven't used it yet though. The new card comes with an EMV RFID chip, which allows you contactless payment. You can simply tap your card on the merchant POS device to pay for your transaction.


@pretty_B

I have been using Metrobank CC for over a few years now, overall in terms of customer service i'm quite satisfied. Promo wise, for those instant rewards (transaction purchase = redemption) not that great compares to other CC, but I guess better than nothing

What I like about Metrobank CC is their discount for restuarant, they ranges from 40% to 50% at times.

[pretty_B]

^thanks sis. hm ang annual fee?

[cody23]

^ forgot the annual fee, pero madali lang mag pa waive sa metrobank

[nicola_juliano]

re sa BPI, yes, kung inenroll mo sya nung nag apply ka and you have an existing bpiexpressonline.com account and you linked it dun. Ganun sakin dati, I think 6 years ago when I opened a secured card. Sa case mo, pre-approved, maybe you said yes in passing nung may tumawag sayo?

Medyo choppy yung end nya nung tumawag sya saken and wala ako natatandaan na I say YES. Siguro nilagay na lang nung Customer Service na yun. Anyway, ok lang saken kasi balak ko naman talaga i-enrol sa online para makita ko kung may na-charge ba saken without my consent. Kung may texts sya in every charge sa CC, mas mainam kasi informed ako. SI BDO kasi wala pang ganito. Buti pa si CitiBank may ganitong feature. Sa BPI kaya?

[nicola_juliano]

@nicola_juliano

I think you are referring to PayWave? This is the new features of BDO cards, I received one also for my expiring card, haven't used it yet though. The new card comes with an EMV RFID chip, which allows you contactless payment. You can simply tap your card on the merchant POS device to pay for your transaction.


@pretty_B

I have been using Metrobank CC for over a few years now, overall in terms of customer service i'm quite satisfied. Promo wise, for those instant rewards (transaction purchase = redemption) not that great compares to other CC, but I guess better than nothing

What I like about Metrobank CC is their discount for restuarant, they ranges from 40% to 50% at times.

Ay oo, Paywave! lol! Sorry.

Hindi ko alam ano magugustuhan ko kay BPI. BPI Gold binigay nila saken. Not sure ano benefits ko sa kanila. Sana mas maganda compared kay BDO. What I like lang kay bdo kasi yung CC points converted sya. Yun nga lang, super taas ng value ng points bago ma-avail. As far as I know sa BPI walang points, puro rebates.

I tried to convert my BDO CC into VISA, kaso I need to pay Php500. Heck, di ko naman kelangan so hwag na lang. Sayang ang 500! The reason kung bakit gusto ko maging VISA dahil mas maraming benefits. hehe.

It will be my first time handling two CCs pero it's a challenge for me. I survived having 1 CC for the past 10 years, all are fully paid and not over spending. Sana having 2 CCs this time, ganun pa din. Wish me luck mga sisses.

[chubzkittinz]

How did you manage when reaching your limit?and have you tried personal loan to pay your CCs?

[cody23]

@nicola_juliano

What BPI card did they sent you? I'm using their Mastercard and every purchase there's points equivalent.

Between the 2, I guess almost the same lang sila, sometimes may deal ok kay BDO sometimes may deal na mas ok kay BPI. I have both of them as well, BPI and BDO, if choose I'll keep my BPI mainly due to no annual fee, sa BDO na wa-waive naman you just have to call, but I only keep my BDO because it's my oldest card, way back when it was still equitable days, may sentimental value hehe.

I'm sure you will do fine with both your cards, you have already proven that through the years.

[kittycat228]

anyone here na may metrobank cc? any feedbacks? i need cc na kasi and sa metrobank lang ako may kakilala na magpprocess which means mas malaki chance na maapproved ako. haha.

ok naman ang experience ko with metrobank cc, maraming discounts sa restos and hotels, with rebates and secure to shop online. madali ding kausap for waiver of annual fees and service charges.

[kittycat228]

Naka-receive ako ng new BDO CC 2 weeks ago dahil mapapaso na this May 2014 yung old CC ko from them. They have a new feature sa BDO CC called "Payscale". When I read the whole brochure, wala ako naintindihan sa new feature nila. May nakakaalam ba ang tungkol dito?

Yung new CC ko, kakaiba sa dati kong CC. Colors are the same, pero may maliit na chip na nakalagay sa may gilid. They say it's a new added feature ng mga CCs. Any idea about this new feature nila?

I also received a call from BPI and they give me a CC. I said yes kasi I'm getting married soon and I decided to get a supplementary card from BPI instead sa BDO. Medyo nagulat lang ako kagabi kasi yung CC ko, automatic na na-register sa online banking ko. Kinabahan ako kasi hindi ko pa naman sya nireregister dahil hindi ko pa narereceive yung card, automatic na nailagay sa online banking ko. Anyone who experience the same po? I've called BPI, ok naman daw. Kaso yun nga, wala pa CC ko.

Medyo takot lang ako humawak ng two CCs. I am not sure how to use BPI CC and I'm sure it's perks and etc are different from BDO. But I do know BPIs have more perks compared sa BDO.

mas maganda ang bpi sis in terms of promos and customer service. ok din yung sa metrobank but yung sa bdo bad customer service.

[izabelle]

Sa mga nagpacancel ng credit cards nila, specifically RCBC bankard, tumawag lang ba kayo sa hotline? and that's enough na?

no need to email them or send them a formal letter?

Thanks in advance

[pret_ty68]

May nag avail ba sainyo nang bpi critical illness insurance? May credit card kasi ako sa bpi and tumawag sila isa daw ito sa promo for bpi credit cardholders.

[pretty_B]

ok naman ang experience ko with metrobank cc, maraming discounts sa restos and hotels, with rebates and secure to shop online. madali ding kausap for waiver of annual fees and service charges.

thanks sis. sige asikasuhin ko na ang requirements. wala kasi ako debit card sa metrobank kaya hesitant ako. pero baka magpagawa na din ako kasi may mga friends ako working sa metrobank.

[nicola_juliano]

@nicola_juliano

What BPI card did they sent you? I'm using their Mastercard and every purchase there's points equivalent.

Between the 2, I guess almost the same lang sila, sometimes may deal ok kay BDO sometimes may deal na mas ok kay BPI. I have both of them as well, BPI and BDO, if choose I'll keep my BPI mainly due to no annual fee, sa BDO na wa-waive naman you just have to call, but I only keep my BDO because it's my oldest card, way back when it was still equitable days, may sentimental value hehe.

I'm sure you will do fine with both your cards, you have already proven that through the years.

Wow, really. Sige i-keep ko na yung BPI CC. They will send BPI Gold. BDO CC ko is standard lang.

Talaga, bad customer service ang bdo. Bihira lang ako tumawag dun kaya di ko alam. THe reason why I have BDO CC because malapit lang ang SM sa amin and matagal na yung BDO account ko sa kanila. I guess same with BPI CC. Medyo matagal na ng kaunti yung account ko sa kanila (mas nauna bdo ko ng kaunti sa bpi) kaya meron ako kahit hindi nag-apply for one.

Excited na ako gamitin yung bpi! :-) Thanks sa info mga sisses.