How can I avoid being a victim of Social Networking Scams?
You can avoid being a victim by observing the following tips:
-password regularly and use strong passwords which are combination of alpha numeric and special characters (e.g. *,$,#,etc.).
-Never use the same passwords that you use for your online banking and your social network account.
-Never list your personal information (complete name, birthday, and billing address, etc.) on your profile page. A common way for a fraudster to hack you financial or other account is to click on “Forgot your password?” link. Answers to the security questions should not be found in your personal profile.
-Do not accept invites asking you to click a link to view someone else’s profile. You might be redirected to a phony site which imitates the legitimate site with messages that entice you to share your passwords or credit card numbers.
Do not entrust your credit card or any credit card information (card number, card expiration & the 3-digit code at the back of your card) to anyone offering promotional incentives.
BDO will neither ask you to surrender your credit card nor send a representative to have your credit card picked-up for replacement.
Immediately call the 24-hour BDO Customer Contact Center at 631-8000 or 1-800-10-6318000 (Domestic Toll Free) if you have surrendered your credit card or disclosed personal information to an unidentified solicitor.
Protect Yourself Against Email Scams
All cardholders are cautioned against a recently circulating email allegedly from BDO and/or Visa, MasterCard, UnionPay and JCB requesting cardholders to supply account and personal details to update bank records via internet hyperlinks.
Ignore these fraudulent emails. BDO and/or Visa, MasterCard, UnionPay and JCB will not ask for sensitive information in this manner.
This warning is extended to AXP and DCI cardmembers.
Convenient and secure online shopping with your BDO | AMEX | DCI Prepaid, Debit, Credit and Charge Card!
*In this day and age, if you haven't tried online shopping, then you're definitely missing out!
*Just imagine, with a multitude of options to choose from in the world wide web, it's like going to a mammoth shopping complex with limitless virtual shops and shopping portals where you can buy practically anything and everything you can think of.
*If before, shopping essentially entails going to shops around your neighborhood, driving from one mall to another to look for items that you need (or want) to buy, or asking relatives and friends living abroad to purchase brands and products that aren't available locally. Nowadays, with a computer, smartphone or tablet at hand, you can shop anytime, anywhere and you can do so by just following four quick and simple steps -- log-in, browse, add to cart and check-out.
*More and more, people are beginning to embrace the concept of online shopping. And with the growing fascination for all sorts of gadgets and electronic devices, matched with the emerging mobile lifestyle of tech savvy consumers, online shopping is definitely here to stay.
*One of the major perks of online shopping is the convenience that it brings -- it saves you a considerable amount of time and effort (not to mention avoiding the hassle of long cashier queues!) when you feel the need to indulge in some retail therapy. Whether you're on the look out for a good deal on Yoga classes, contemplating on getting a pet, the latest must-have pair of killer heels, a custom-made accessory, or even a travel package, the Internet has got you covered.
And if you're a BDO Credit Cardholder, you have more reasons to enjoy shopping online!
First off, you can choose to have a BDO Virtual Card – the credit card that is designed exclusively for online shopping. It's essentially the online counterpart of your BDO Credit Card but it carries a different card number to protect you and your credit line from online scams and fraudsters.
With a BDO Virtual Card, you have the option to adjust your credit line according to your online purchasing needs. Meaning, you can put a cap on your online spending so you won't run the possibility of maxing out your credit limit. And with a hodge podge of special offers available online, having a separate credit limit for your online purchases is the best option.
Secondly, BDO Credit Cards also has a wide array of online merchant partners, providing BDO Credit Cardholders year-round access to exclusive and exciting online promo offers – from apparel and health & beauty services, to gadgets and dining, and most in demand of all, hotel and airfare vacation packages.
Just by simply using your BDO Credit Card, you can get more savings on your online shopping finds – that's additional discounts and freebies on top of the already discounted online rates!
What's more, BDO is the first and only local credit card that offers an automated online installment facility. You can now avail of Absolutely 0% Interest on installment for 3, 6, 12, 18 and 24 months at BDO online partner merchant websites without having to call or request for processing of installment payments. It makes your purchases easier on the pocket and most of all, safe, secure and hassle-free!
So, start adding to your virtual cart now and scour the world wide web for all those airline seat sales, Buy One Take One offers on buffet meals and other delectable treats, must-have pampering spa and wellness sessions, all-in hotel and resort packages and an immense selection of bags, shoes, clothing, accessories, electronics and appliances you can avail of.
With a BDO | AXP | DCI Card, delightful deals await you when you shop online!
Why AXP is different? Why AXP is prestigious?
(Re-post from BDO CC Thread II Page 204)
USAPANG ELITE CARDS
mrbanks21: Lower points needed for redemption, decent CL for my everyday transactions, purchase protection insurance, free travel insurance, world class concierge services...etc. yan yung totoong benefits ng ELITE CARDS.
informant: My New BDO AmEx replacement came. Note, the new AXP credit cards do not have the shiny reflective hologram like the old ones (I didn't care much for it) and it now has ExpressPay Contactless feature (which I don't care for either).
Comparison of old and new AXP Platinum Credit.
Lol bro! I like the new look of the AXP Credit. It's more classic. I really like the platinum charge card look but this will do for now. I used to call the old platinum CC "the rainbow card" because it used to reflect all sorts of colors more than it showed it's normal color whenever there was enough light. It was cool at first but I guess the novelty wore off eventually. I used to notice that the cashiers would stare at it a little longer than my other CCs though haha.
blxtour62: I just like/love everything that glitters/shines. hehehe. The PNB World Mabuhay Miles also has a shiny reflective layer/hologram effect.
As for why the cashiers would stare at it for a little longer than any other credit cards, THEY WERE BLINDED BY THE 'RICHNESS" of the credit card. haha
Whenever I see one, I still get excited even though I've seen it many times in person already. I've yet to see the Gold and Platinum AX Charge Card though.
I still haven't received my AX Gold CC with chip which is fine by the way since I'm fairly new to the "AMERICAN EXPRESS EXPERIENCE". I'm still "MARINATING" so to speak. hehehe
informant: Same here bro its extremely rare to see an AX platinum charge card And if I've seen one it's most likely from a foreigner issued abroad. I think the AX Platinum Charge Card and BDO World Elite are the hardest cards to acquire in the Philippines and the annual membership costs are very high especially the World Elite so that's another factor too.
blxtour62: No truer words were ever spoken. The last time I saw a GREEN AX Charge Card in person was from a foreigner. I won't even allow myself the thought of owning a charge card since it's really impractical esp if you're based in the province (VISAYAS AREA) like I am. But in your case, it's very plausible and doable. It looks like we have to frequent posh hotels/casinos just to catch a glimpse of an AXP charge card/World MasteCard though. HAHAHA. CITY OF DREAMS/NOBU here we come!
The convo is initially posted in American Express Users Thread
WHY AMEX PRESTIGIOUS
caius: Mga kuya ask lang po, Ano po bang magaganda at pangit na features ng AMEX? Meron akong AMEX na BLUE transparent, tapos ang friend ko sinabi nya na gusto nya rin magkaroon ng AX na tulad sakin dahil VISA lang daw ang meron siya; so curious lang po talaga ako kung anong features na maganda at hindi maganda sa AX.
informant: Advantages of AX cards are mostly the same as other cards if they are the basic (AX Blue/Green/Gold). The advantages and perks go up in the higher tiers. Especially if you travel abroad there are lots of promos especially in the U.S. like free upgrades at hotels. Freebies at restaurants and easier booking busy restaurants on short notice just to name a few. And free purchase protection as others have mentioned along with free 20M+ travel insurance when booking tickets. No need to purchase travel insurance anymore through the airline which you usually pay $10-25 for when adding it. (Other elite cards may also have purchase protection and travel insurance of similar value)There are still exclusive promos for all levels of AX though even in the Philippines just as there are other brands of banks Visa/MC. Adding an AmEx card to your arsenal of cards means improving the promos available to you. Having a basic level AX is also a passport to getting the much harder to obtain higher level tiers of AX after you have been with them at least a year.mrbanks21: In the Philippines AmEX is a privilege/prestige card meaning it's harder to obtain than other cards although it's not as hard to obtain as a few years ago as more people are getting approved. Having one means most likely you are in good standing credit wise and will be useful as a reference card and other means.Disadvantages. It’s not available everywhere credit cards are accepted. They must have a BDO POS terminal (POST). Some gas stations 2 years ago could not take my AX because they had a BPI/MCC/Citi terminals. Things have improved greatly since then but it's still not as widely accepted in the provinces compared to NCR. Expect 70% give or take of AX accepted compared to Visa/MC 99%+ in Metropolitan Manila and much lower in the provinces especially the smaller ones. Most malls have a BDO POST along with other banks terminals but not with all restaurants/other establishments. That's why i have my Visa/MC card where AX is not accepted. If you want to use AX as your sole card then do not get it If you want to use it everywhere. If you already have Visa/MC then its nice to add to your cards.
Kung AmEx Blue/Green/Gold iyan, wala masyadong pagkakaiba, as compared sa Basic/Gold MasterCard/Visa. Others would prefer the basic MasterCard/Visa over AmEx since mas marami ang benefits and lower peso spending to get points. If your friend wants to have an AmEx Blue like yours, maybe nagustuhan lang nya lang ang design. And tama sila na mas mahirap mag-apply and get approve for AX compare sa ibang credit card brands especially the Green and Gold CHARGE cards, so in reality AmEx is not for everyone.
But if elite card levels, AmEx Platinum Credit Card/The Platinum Card, mas maganda ito o may laban ito sa other-bank-issued elite cards.
AmEx The Platinum Card - it's like the highest level of platinum issued cards in the PH, and it is recognized as THE PLATINUM, not only in the PH but worldwide, more prestige than World MasterCard and Visa Infinite/Signature. I'm not sure if it's the same level as World Elite MasterCard tho.
To view the Program’s Perks and Privileges per tier, click here