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BOC Bank Of Commerce : Credit Cards

run_dullrun_dull PEx Veteran ⭐⭐
Sino sa inyo may Bank of Commerce credit card? Napadaan kasi ako sa isa sa mga branch nila sa Makati and nalaman ko na nag ooffer pala sila ng credit card. They are offering two cards, classic and gold visa credit card. Actually nagagandahan ako sa design ng cards nila. Gusto ko lang malaman if ok din ba tong bank na to? San Miguel eto so malamang stable bank eto.
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Comments

  • KuyaDannyKuyaDanny Moderator PEx Moderator
    I have a classic VISA. This is the dual currency card licensed from BDO. That is the only feature I find attractive. This bank is quite stingy when it comes to waiving annual fees. There is a Bank of Commerce branch near the office, so it is still convenient to pay, but I am told they are contemplating a transfer to another location. If that new location becomes less accessible, I will shut down my card.

    BoC is a relatively small bank, and the owners do not seem to be willing to put money into it to make it bigger/better. In fact, they have been considering selling out to foreign banks.

    But if you are borrowing (as a credit card holder) from this bank rather than lending (as a depositor) to it, its stability should not matter much to you.
  • run_dullrun_dull PEx Veteran ⭐⭐
    Oh I see, Thanks sa infos KuyaDanny. Pero mukha namang ok din sila kasi dumadami branch nila. Pero siguro kuripot tong bank na to sa pagbibigay ng credit limit kasi kilala ang san miguel sa pagiging kuripot. May rewards system din kaya sila and promos?

    "But if you are borrowing (as a credit card holder) from this bank rather than lending (as a depositor) to it, its stability should not matter much to you."

    tama ka kuyaDanny, mali pala ako sa tanong ko. hehe
  • KuyaDannyKuyaDanny Moderator PEx Moderator
  • run_dullrun_dull PEx Veteran ⭐⭐
    KuyaDanny magiging CIMB Bank kaya ang BoC? hmm
  • KuyaDannyKuyaDanny Moderator PEx Moderator
    Possible. Their rival Maybank is already prominent here. They might want to be next.
  • run_dullrun_dull PEx Veteran ⭐⭐
    KuyaDanny wrote: »
    Possible. Their rival Maybank is already prominent here. They might want to be next.

    Yeah, tingin ko nga din eh. hehe. mukhang maganda naman CIMB Bank as per dun sa napagtanungan ko na classmate na sa KL nagwowork. hehe
  • KuyaDannyKuyaDanny Moderator PEx Moderator
    Bank of Commerce sale falls apart

    Hindi pala nakasaksak yung plantsa. Ang dami pa ring gusot.
  • run_dullrun_dull PEx Veteran ⭐⭐
    ay oo nga. sayang naman. hehe
  • ako meron since 2011 pa. Everytime na gagamitin ko reference *** card ko denied ako. Nag apply ako BPI one time, di ko dineclare tong BoC na to, ayun naapprove ako. akalain mo.
  • KuyaDannyKuyaDanny Moderator PEx Moderator
    I just received notice that bank of Commerce will be discontinuing its dual-currency VISA in January/February 2015 and will be replacing its cards with a peso-only MasterCard. :(

    I am assuming that their fee structure will be the same.

    As my card is up for renewal this month, I have decided to terminate it.
  • schizophresiacschizophresiac PEx Veteran ⭐⭐
    Magiging MasterCard na rin ang BoC? Parang si UnionBank nagkaroon na ng MasterCard na brand... Parang maraming nagbibigay na ng MC na brand ngayon a.
  • run_dullrun_dull PEx Veteran ⭐⭐
    Diba etong banko na to is planong bilhin ng CIBC (China) or CIMB (Malaysia) para sa kanilang Philippine expansion.
  • schizophresiacschizophresiac PEx Veteran ⭐⭐
    Pinalitan na nga nila ang kanilang credit card from Visa to MasterCard. So sa BDO dati galing iyung Visa nila? Pero ang tanong ko ngayon, is there such thing as Founder Members ngayon sa kanila?
  • bentwoodbentwood PEx Rookie ⭐
    I just received the BoC mastercard CC that will replace my Visa. I have yet to activate it. Medyo mahirap kumontak sa hotline nila. Medyo hassle magbayad kasi medyo alanganin for me yung location ng branches nila.
  • schizophresiacschizophresiac PEx Veteran ⭐⭐
    bentwood wrote: »
    I just received the BoC mastercard CC that will replace my Visa. I have yet to activate it. Medyo mahirap kumontak sa hotline nila. Medyo hassle magbayad kasi medyo alanganin for me yung location ng branches nila.

    Founder Member nakalagay?
  • iampogayiampogay PEx Rookie ⭐
    i just applied online. mabilis ba processing dito?
  • I applied online also sana mabilis maprocess.
  • the last time i follow up sabi for CI na daw ako at may docs lang na inaantay ang credit dept. tpos the other one said decline ang application ko ano ba talaga???
  • Eto ang pinakamaliit na CL sa lahat ng credit cards ko bigyan ba ako ng 15k lang.
  • ang lungkot naman ng thread na 'toh. anyway nagapply ako ng bank of commerce na cc. may promo kasi na 0.49% BT rate. sana maapprove. :)
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