OBSERVATION: Sinasabi ng CSR na mapo-forfeit o mawawala na ang Credit Cards Points / Membership Rewards Points / Miles kapag nagpa-card conversion, downgrade, o upgrade. Pero hindi ito 100%. Depende pa rin sa scenario.
(a) Kung pareho ng spend to points/miles/rebate ratio pati ang Rewards Catalogue, mananatili ang nakuha mo sa rewards system (e.g. Visa Platinum to JCB Platinum; Classic Visa to Gold Visa, JCB Gold to CUP Gold).
(b) Subalit kung magkaiba ang spend to points/miles/rebate ratio pati ang Rewards Catalogue, mapo-forfeit na ang nakuha mo sa reward system (e.g. Gold MasterCard to ShopMore, AXP Blue to AXP Platinum Credit).
Magkakaiba halos ang mga Rewards System (Regular Card Points, Elite Card Points, SMAC/Bench/F21/Laus points, Miles, Cashback/Rebate, Membership Rewards points, Membership Rewards Platinum points, at iba pa) at spend (PHP 30, 38, 45, 50, $1).
Laging tandaan, dapat magkakapareho ang spend to points/miles/rebate ratio at category sa Rewards Catalogue/Incentivo kung gusto ma-retain o hindi ma-forfeit ang pinaghirapan sa reward system
Is there any change in MEMBER SINCE when card type changes?
Mananatili ang taon ng MEMBERS SINCE once na na-down/upgrade o conversion ang card regardless of card brands.
This may only be applicable to BDO Cards ONLY.
Get ready to shop online. Online shopping is now just a click away with your BDO Virtual Card!
*The BDO Virtual Card is open as companion card to BDO MasterCard and Visa credit cards (excluding ShopMore and Simple Installment Card).
WANT TO HAVE?
Here are 2 ways to get a BDO Virtual Card:
*The card security code is different from the Verified by Visa, MasterCard SecureCode, JCB J/Secure or AMEXCO SafeKey, or DCI ProtectBuy password [known as One-Time PIN (OTP)] which is set by you when you enroll your card online with those 3-D Secure services.*
*Enrolment of your BDO account is required to avail of this payment facility.
3sail said:Nabill na sakin yung AF ng Titanium MC ko. Ang offer ay 20k spend / enroll bill / gamitin points. Sabi ko sa CSR try muna without condition kung mawaive. Around 10k average monthly pero sa virtual card almost lahat ng charges so baka hindi kita sa system nila kaya 20K spend ang offer.
What are the credit limit options in BDO credit cards?
According to BDO’s discretionSEPARATE CREDIT CARD LIMIT – Each BDO card of yours has a separate credit line.SHARED CREDIT CARD LIMIT (SCCL) – the consolidated Credit Card Limit assigned to you across all your BDO Credit Cards.*BDO may, at its sole discretion, give a separate Credit Card Limit for each of the card issued or a consolidated Shared Credit Limit (SCCL) for all such cards.
According to Cardmember’s Request, subject to Issuer’s ApprovalCARD LIMIT CONSOLIDATION – combination of credit line and outstanding balances of two or more credit cards into one account (surviving credit card account). This will be resulted for the permanent cancellation of the remaining non-surviving credit card accounts.CARD LIMIT ALLOCATION – Conversion of Card Limit Scheme from Separate to Shared and Aligned, assigned to two or more or across all your BDO Credit Cards.CARD LIMIT REALLOCATION – Transfer of portion of credit line from one credit card account to another account of yours. Temporary and Permanent options are available.Note: To check if your credit card account is under the Shared Credit Card Limit or NOT, your TOTAL CUSTOMER LIMIT [TCL] (or the sum of all credit limits of your BDO/AMEX/DCI credit cards) should be equal to your Credit Card Limit (as indicated on your Welcome Pack card carrier).*Simple Installment Card (SIC) is excluded in these card limit options.
TEMPORARY INCREASE IN CREDIT LIMIT - You may request for temporary ICL in times of emergency such as vacation abroad, hospital expenses, etc. Still, subject to Bank's approval.