BPI Credit Card Users Thread

[SuperOnyx]

^Yes, bumaba na po.

[johnski_07]

^ah okay. thanks for the info superonyx!

[KuyaDanny]

Did you apply for a secured credit card? If you did, maybe you will be approved. If you applied for a regular credit card, this is not an assurance of an approval.

[lenskibadoodles]

Hi! Newbie here! Cute ng thread. I actually joined PEx because of the BPI CC Users Thread
Anyway,
Nag-apply ako ng BPI credit card last June 2 thru booth lang nila sa Glorietta. After 4 days, nag text sakin yung girl na pinasahan ko asking me to submit 1 month payslip for fast approval daw, then that day nagpasa din ako. 2 days after may tumawag sa bahay and nakasagot nun si Mama ko. She's from BPI daw and asked my full name, verified my home address and my mama's maiden name. After 5 days, Nag follow up ako ng application ko thru email.

Tumawag naman sila sakin agad, kaya lang sabi sakin wala pa daw sakanila yung application ko.

Pag sa booth lang ako nagpasa, dapat ba ko kabahan na baka hindi naman binigay nung babae sa booth yung application ko?


TIA!

[ilakosigladz]

hi,
nag apply ako ng credit card dito sa bpi, kasi nag lipat ng payroll yung employer ko, may tumawag na pala sakin sa office para itanong yung birthday,address etc.
gano kaya katagal bago malaman kung approved or declined?
nilagay ko pala dun sa application form na may card ako sa citi at metrobank, tatapatan lang kaya nila yung limit ko or tataasan?
thank you sa sasagot.

[johnski_07]

hi,
nag apply ako ng credit card dito sa bpi, kasi nag lipat ng payroll yung employer ko, may tumawag na pala sakin sa office para itanong yung birthday,address etc.
gano kaya katagal bago malaman kung approved or declined?
nilagay ko pala dun sa application form na may card ako sa citi at metrobank, tatapatan lang kaya nila yung limit ko or tataasan?
thank you sa sasagot.

after 1 week pwede mo na ulit sila tawagan para malaman ang status ng application mo... pwedeng tapatan or mas mababa pa sa citibank CL mo kase kilala ang bpi na kuripot magbigay ng CL unlike sa ibang banks na todo bigay ng CL.

[johnski_07]

^actually hindi pa yan sign na approved ka na. humihingi lang sila ng ibang supporting documents to verify your income. tapos nun i-CI ka pa nila...

[spend_thrift]

Hi PEXers,

It's my first time here...and actually i have some concerns about BPI credit card. I dont know much about credit cards so if you could share to me answers to some of my questions...

Mga fews years back, pinasign up kc ako ng BPI to get a credit card. Ako naman no idea about it and parang astig lang kc na merong credit card although di ko ginagamit, kaya nag sign up na rin ako. then meron nang sinisingil na annual fee kaya i asked them to cancel it, pero it still appears in my BPI expressonline account so i guess di nila cinancel.

My questions is, pag inactivate ko ulit, and this time gusto ko na cyang gamitin, may charges ba yun? And pwede ko bang ipa-waive yung annual fee if meron akong deposits and investments sa BPI?

Also...hehe medyo newbie tong tanong ko...sensya na i have no idea kc. May interest charge ba sa babayaran ko if i use it? Ang sabi daw wala if i pay in full and on time. If that's the case, pano kumikita yung bangko sa mga taong on time and full magbayad? **just wondering**

Thanks po in advance for the clarifications.

Mabuhay!

[BatotoyBibo]

@spend_thrift

- You can call 89-100 and ask them to cancel the annual fee since you are not using the card anyways but by the time you use it, you have to pay for it. If your credit card transactions reach 200K+ a year you can also request for the annual fee to be waived. I also have a regular savings, a TD and an investment account with BPI but I'm not sure if they're being considered in waiving the annual fee. As per the call center agent, it's the amount of transaction in a year daw.

- NO interest charges if you pay all your purchases in full and on time. Kumikita pa rin sila kasi kasama na sa presyo ng produkto ang credit card charges. Kaya nga pag kinash mo (as in cash), bibigyan ka pa ng discount ng merchant sa regular priced items nila. Minsan pag malaki ang discount sa cash at meron naman akong cash, hindi ko ginagamit ang credit card kasi regular price (undiscounted) applies even for straight-payment using credit card.

Use your credit card wisely and responsibly para di ka mapahamak at pagkakitaan ng husto ng mga credit card companies.

[SuperOnyx]

Hi PEXers,

It's my first time here...and actually i have some concerns about BPI credit card. I dont know much about credit cards so if you could share to me answers to some of my questions...

Mga fews years back, pinasign up kc ako ng BPI to get a credit card. Ako naman no idea about it and parang astig lang kc na merong credit card although di ko ginagamit, kaya nag sign up na rin ako. then meron nang sinisingil na annual fee kaya i asked them to cancel it, pero it still appears in my BPI expressonline account so i guess di nila cinancel.

My questions is, pag inactivate ko ulit, and this time gusto ko na cyang gamitin, may charges ba yun? And pwede ko bang ipa-waive yung annual fee if meron akong deposits and investments sa BPI?

Also...hehe medyo newbie tong tanong ko...sensya na i have no idea kc. May interest charge ba sa babayaran ko if i use it? Ang sabi daw wala if i pay in full and on time. If that's the case, pano kumikita yung bangko sa mga taong on time and full magbayad? **just wondering**

Thanks po in advance for the clarifications.

Mabuhay!

Pwede mo pa ipa-reactivate yung account within one year from cancellation, pero kailangan nang palitan ng bagong card so may card replacement fee yan. Possibly they will also require you to pay the annual membership fee.

I actually disagree with you, when I applied online I didn't submit any documents online. I just waited for them kung makalusot. Then nga I was shocked may natanggap na ako letter sa kanila.

A friend of mine who worked at Allied Bank told me that once na nakarating na sa Card Issuing Department ang papers mo, finalization na lang yun kayo hinihingi nila ITR, and Payslips ko para ma-determine nila kung ano card ang applicable sa akin

Napapakamot lang ulo bat kaya submit any of the following documents lang hinihingi sa akin?

Any one of those lang naman talaga ang requirement ng BPI. Pero ako kasi nung nag-apply ako online wala nang hininging documents sa kin. Nag-CI sila agad then a week later dumating na yung card.

[XHAYiYAH]

Hi

Just wanna ask po kasi dumating na *** billing statement ko, then gusto ko po sya ipay ng full. kaso after due date nagswipe ulit ako, gusto ko na rin bayaran un pwede po ba un?

May swiswipe kasi ako and di na aabot dun sasa bibilhin ko. kaya need ko pay *** kakaswipe ko lang.

Pwede po ba ganun?

Ano po sasabihin ko sa teller?

[pusangpinay]

Hi

Just wanna ask po kasi dumating na *** billing statement ko, then gusto ko po sya ipay ng full. kaso after due date nagswipe ulit ako, gusto ko na rin bayaran un pwede po ba un?

May swiswipe kasi ako and di na aabot dun sasa bibilhin ko. kaya need ko pay *** kakaswipe ko lang.

Pwede po ba ganun?

Ano po sasabihin ko sa teller?

my opinionated answer as below

tell the teller---->" i want to pay my outstanding total balance reflected as of the date TODAY thankyou"

she should be able to update you with that figure at yun ang babayaran mo

hope this helps

[pusangpinay]

Hi PEXers,

It's my first time here...and actually i have some concerns about BPI credit card. I dont know much about credit cards so if you could share to me answers to some of my questions...

Mga fews years back, pinasign up kc ako ng BPI to get a credit card. Ako naman no idea about it and parang astig lang kc na merong credit card although di ko ginagamit, kaya nag sign up na rin ako. then meron nang sinisingil na annual fee kaya i asked them to cancel it, pero it still appears in my BPI expressonline account so i guess di nila cinancel.

My questions is, pag inactivate ko ulit, and this time gusto ko na cyang gamitin, may charges ba yun? And pwede ko bang ipa-waive yung annual fee if meron akong deposits and investments sa BPI?

Also...hehe medyo newbie tong tanong ko...sensya na i have no idea kc. May interest charge ba sa babayaran ko if i use it? Ang sabi daw wala if i pay in full and on time. If that's the case, pano kumikita yung bangko sa mga taong on time and full magbayad? **just wondering**

Thanks po in advance for the clarifications.

Mabuhay!

my opinionated answer:
any credit card na ACTIVE kahit hindi mo ginagamit ay may annual fee kang babayaran...kung pina Close mo na then wala kna dapat future annual fees after mo pina close so any annual fee it incurred while the credit card was active yun ang outstanding balance mo sa card na dapat mong bayaran (dun sila kikita) , generally pwede mo naman ipa wave yung annual fee at generally papayag naman sila kung hindi mo naman ginamit yung credit card. tawagan mo sila and tell them " i want you to wave the annual fee coz i haven't been using the card" pero kung balak mo ipa activate at may balance ka sa card na annual fee then malamang bayaran mo muna yun para mapa activate nila ulit yung credit card mo...

hope this helps...

[0711658]

Hi

Just wanna ask po kasi dumating na *** billing statement ko, then gusto ko po sya ipay ng full. kaso after due date nagswipe ulit ako, gusto ko na rin bayaran un pwede po ba un?

May swiswipe kasi ako and di na aabot dun sasa bibilhin ko. kaya need ko pay *** kakaswipe ko lang.

Pwede po ba ganun?

Ano po sasabihin ko sa teller?

try to ask the teller how much yung outstanding balance mo. or better yet, you can view it online if you have bpi online account. tapos yun yng bayaran mo. or pwede ka din naman magoverpayment nalang. ako multiple times in a month nagbabayad. 10K lang credit limit pero sometimes more than 30k+ nasswipe ko since I pay almost as soon as I swipe. di ko na pinapaabot the due date. everything's done online kaya di na pumipila

the best talaga online facility ng BPI!!! <3<3<3

[nomerdzki]

Pano pala maglinis ng Credit card? As in yung physical na card, pano sya best (and safe) na linisin? May mga dumi dumi na din kasi... At ang dami dami nang mini-scratches dahil sa pagswipe. Minsan nakakatakot maghawak ng CC ang mga cashier, parang mababali lang.

[KuyaDanny]

Huwag mo nang linisin. Kung mukhang bugbog sarado ang card mo, OK yon, hindi mainit sa mata ng mga masasama ang balak.

[SuperOnyx]

Pano pala maglinis ng Credit card? As in yung physical na card, pano sya best (and safe) na linisin? May mga dumi dumi na din kasi... At ang dami dami nang mini-scratches dahil sa pagswipe. Minsan nakakatakot maghawak ng CC ang mga cashier, parang mababali lang.

Try pencil eraser po.

[homebaseinvestor]

Hi,

Meron ako secured card ng BPI edge, it has been 3 years pero di ko n inapply ng regular cc. BDO sent me a pre approved regular cc and yun na ang gamit ko ngayon. I went to BPI branch last week and yun customer service recommended n pwede ako mag fill up ng form at pwede ko i request n i convert into regular cc together with a letter of request. It will take 30 days and if approved pwede ko n daw m withdraw yun time deposit n 10k and m re retain yun 8k ko n credit limit.
However mas preferred ko n kasi yun BDO and babalik n lang ako dun s branch para i cancel n lang ulit. Meron ako savings account s BPI pero ginagamit ko solely for remittance. Mahigpit b talaga ang BPI s card approval or nagbibigay din sila ng pre approved cards pag may malaking saving s kanila? TIA.

[enigma98]

If you can convert your BPI credit card into a regular credit card, mas maganda po. Hintayin mo na lang ang result ng request mo. Yup nagbibigay sila ng preapproved card kapag may malaking deposit ka sa kanila. And yes, medyo mahigpit din sila sa card approval. Basta hintayin mo lang po result ng request mo.

Yung card ko sa kanila was preapproved by the way.

[johnski_07]

^mahigpit talaga ang bpi sa card approval, sabi nga nila eh pinakamahigpit ang bpi pero nagbibigay din naman sila ng pre-approved cc sa mga bigtime at long-time depositor nila. Pareho mo na lang imaintain ang bpi at bdo cc mo.