Author Topic: all about credit cards-thread 5  (Read 67448 times)

mysterioza_me

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Re: all about credit cards-thread 5
« Reply #580 on: January 04, 2020, 06:59:16 am »
^Hello sis. Tagal na pala nito now ko lang nabasa. Anyway, resolved na itong issue ko with Bdo as of Dec15. Sobrang tagal ng turn around time na binigay ng Bdo (60-90 working days) kaya tumawag ako uli sa Apple/Itunes. After being transferred 4x (within the same call) nakaabot din ako sa tao na naka-resolved ng issue ko. Na-reversed na ang mga charges sa CC ko 😁
If a girl understands your b******t, stick through your mistakes, smiles even when you've done nothing for her , it's obvious she's a keeper. But it's also obVious that you don't deserve her...

prickyslime

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Re: all about credit cards-thread 5
« Reply #581 on: January 28, 2020, 07:15:28 pm »
Hello! Pinadalhan ako ng amex cashback cc ng BDO, and wala akong idea how to maximize yung pag-gamit sa card. Takot din akong gamitin haha.  Kahit ba hindi ko i-activate pa si card magbabayad parin ako ng fees nito?

Wary ako na automatically waived yung first year mo sakanila, pero may possibility
kayang  ma-waive yung mga fees yearly? Paano? salamat!

mysterioza_me

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Re: all about credit cards-thread 5
« Reply #582 on: January 29, 2020, 01:36:29 am »
Kung di mo papa-activate di siya magi-incur ng fees. Though you may want to check with your bank na din, may nababasa kasi ako na kwento nila is di naman nila pina-activate pero na-charge sila ng annual fees (baka nakalimutan lang nila na pina-activate nila or baka nga may pre-activated cards). Kung gagamitin mo make sure lang na you can pay the full amount on or before the due date to avoid interest kasi sayang din yun.

For perks, promos and rebates you may check Bdo?s website. Sometimes nagse-send din sila ng rewards catalogue thru sms or email.

For annual fees naman you may call customer service to request na i-waive ang annual fees. Hindi pa ako nagbayad ng annual fees. Tumatawag lang ako sa customer service. Mas madalas mo gamitin ang cc mas madali magpa-waive. Ako normally gagamitin ko siya, pagkauwi ko babayaran ko rin thru bdo app. Yung points kasi habol ko since pwede siya iconvert as reward.
If a girl understands your b******t, stick through your mistakes, smiles even when you've done nothing for her , it's obvious she's a keeper. But it's also obVious that you don't deserve her...

defaftorks

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Re: all about credit cards-thread 5
« Reply #583 on: April 03, 2020, 11:29:59 pm »
Hello. I found information that supposedly not all stores give returns under the https://arrestyourdebt.com/ Ebates program. % of the cashback changes from time to time. Guys, how do you know the store you are interested in has discounts, can I make purchases there through this cashback system and get a percentage of the purchase? Thank you all in advance for your answers. Hope this helps me.

AvadaKedavra

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Re: all about credit cards-thread 5
« Reply #584 on: May 04, 2020, 03:30:34 pm »
Question for those BDO cc holders... Have you received their text message saying that:
For your convenience, your <credit card> SOA will be sent via email effective immediately.

Is this because of the quarantine? ('cause I didn't set the SOA that way)

chicafabulosa

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Re: all about credit cards-thread 5
« Reply #585 on: May 05, 2020, 05:43:22 am »
All SOAs for BDO are sent to the emails na. Matagal na sila nag change to e-soa. So far sa akin I hVe been receiving soa since two years agoI think. Di na ako nakakatanggap ng physical soa
A girl's most beautiful outfit is charisma, the prettiest accessory is smile, & the best pair of heels is confidence.

AvadaKedavra

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Re: all about credit cards-thread 5
« Reply #586 on: May 05, 2020, 10:36:12 am »
^Ah.. Ever since nakuha ko yung cards from them, physical and then the last time na nakareceive ako ng physical is before quarantine.

chicafabulosa

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Re: all about credit cards-thread 5
« Reply #587 on: May 05, 2020, 11:03:10 am »
^Ah.. Ever since nakuha ko yung cards from them, physical and then the last time na nakareceive ako ng physical is before quarantine.

I see best pa rin yung email na rin lang para no problem. i had a problem before sa hard copy eh. It got lost somewhere kaya di ko nareceive, though i know naman what I need to pay kasi i pay every week before. I pay what I swiped for the week agad.
A girl's most beautiful outfit is charisma, the prettiest accessory is smile, & the best pair of heels is confidence.

mysterioza_me

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Re: all about credit cards-thread 5
« Reply #588 on: May 05, 2020, 03:06:23 pm »
Ako din sa email ko nare-received ang BDO statement ko, i opted for e-statement nalang kasi ang mail madalas di nakakarating, delayed or naliligaw. I also enrolled my card sa online banking para nata-track ko spending ko.
If a girl understands your b******t, stick through your mistakes, smiles even when you've done nothing for her , it's obvious she's a keeper. But it's also obVious that you don't deserve her...

eischied_21

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Re: all about credit cards-thread 5
« Reply #589 on: May 05, 2020, 08:10:34 pm »
I have existing BPI credit card for 15 years already but in 2017, I got a fraud and nagkaron ng transactions sa CC ko ng around 100K plus and until now meron pa rin na 10K na hindi pa nila na-sosolve which normally nag-accumulate na lang because of service charges, etc. It's very complicated pumupunta na ako sa BPI CC office near Pacific Star pero hanggang ngayon hindi pa din ma-clear yun SOA ko. I really don't have plans of paying that since never naman ako nagkautang sa BPI and I always pay in full amount.

May nakaexp na ba nito na nagka-fraud, nagkaron ng illegal transactions online sa BPI CC nila?

I plan to close my account kahit may utang pa ako sa CC na hindi ko naman fault. Which CC do you recommend? Okay kaya sa BDO? Thanks mga sisses
« Last Edit: May 05, 2020, 08:15:02 pm by eischied_21 »

pretty68

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Re: all about credit cards-thread 5
« Reply #590 on: May 06, 2020, 03:06:58 pm »
^
Nagkaroon nang fraudulent charge din dati yung BPI Credit Card ko mga 18k yung amount. Ginawa ko pakakita ko nag file agad ako nag dispute. May procedure sila tungkol dito through online lang naman parang merong form. Na reverse naman. Kaya lang sa case mo kasi matagal na dahil 2017 may period lang kasi yung pag file nang dispute.

AvadaKedavra

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Re: all about credit cards-thread 5
« Reply #591 on: May 07, 2020, 04:31:32 pm »
chicafabulosa & mysterioza_me

hassle din talaga kapag physical & magastos sa paper. ( yes, nakaenroll din ako online. oftentimes, mas nauuna pa kong magbayad ng bill kesa sa dumating yung bill sa bahay haha)

iniisip ko lang kasi yung chance na kapag nag-aapply for something? like sa banks. yung need ng copy ng CC statement bal or yung permanent address? haha gusto ko yung mismong letter haha. (ang arte)

eischied_21

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Re: all about credit cards-thread 5
« Reply #592 on: May 07, 2020, 05:11:09 pm »
^^ yes, naresolved naman kaso may 10k pa nag-accumulate na lang dahil sa service fees. Simula nun,  un legal transactions lang kasi binabayaran ko. Haay baka ipa-close ko na yun BPI ko at mag-open na lang ng new credit card. Sakit sa mata na makita sa SOA na may utang ka kahit hindi naman ikaw ang bumili. Complicated na rin yun issue ko dahil sobrang tagal na.
« Last Edit: May 07, 2020, 05:16:13 pm by eischied_21 »

chicafabulosa

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Re: all about credit cards-thread 5
« Reply #593 on: May 07, 2020, 06:47:17 pm »
You can  print the e soa sent  to you if you need it. Its all the same naman, nGing soft copy lang
A girl's most beautiful outfit is charisma, the prettiest accessory is smile, & the best pair of heels is confidence.

 


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