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BPI Express Credit & Family Cards (Sinulid 6) | FAQ p.1 😉

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  • cps_1998cps_1998 Member PEx Guru 🎖️🎖️
    cps_1998 said:
    cps_1998 said:
    Nagdadalawang isip na tuloy ako if papa increase pa ako ng credit limit kay BPI dahil sa mga nangyayari. Hahaa.
    Kung BPi lang naman ang card mo or wala ka na ibang choice, I suggest na kumuha ka ng BPI e-Credit para pwede mo magamit ang card na ito online. Pwede kang magset rin ng sub-limit sa card na ito.

    Reading through the FB comments kanina about the BPI Lazada fraud na worth 200k. May mga nagshare ng similar experiences nila at hindi pala isolated sa mga BPI cards (BDO, Unionbank, etc). Same story lahat - si customer pa rin ang nagbayad.
    Sure kayo sa story na card holder ang nagbayad? Dapat hindi nila binayaran yon kung hindi sila ang gumamit, dahil kung binayaran nila sasabihin ng mga bangko guilty sila at gawa gawa ng storia, sabi ng mga nakakatanda kuwento barbero!
    According doon sa nagkwento hindi sya nagbayad since di sya gumamit.

    Noong ginawa nya yun, naturn over sa collections yung account nya.

    Eto yung mahabang kwento nya: https://www.facebook.com/100000293057561/posts/2295972307089182?sfns=cl

    Nevertheless pinapabayaran pa rin syang bangko.

    Again based doon sa comments, mukhang hindi lang isolated sa BPI eto.
    Thanks for sharing master freelancer, nabasa ko itong kaso ni Ms Martinez last few weeks, hindi nya binayaran, eh dapat lang!
    Alam natin hindi isolated case ito, nangyayari ito sa lahat ng bangko, depende rin sa bangko kung paano nila ihandle ang situation, marami ako nababasa na during bank investigation nakalutang lang yon Fraud charges hangang sa final decision, inaupdate nila sa card holder at hindi dapat ipilit pabayarin, makikita naman sa investigation kung sino ang mag lapses at kung kanino fault. Sa bangko, card holder o merchant. Kung sino ang may sala sya dapat magbayad.
    I mean same thing happened to others using other bank’s CC. They made them pay half to full amount. Walang difference sa approach, according to them.

    But that’s just according to the comments left on that FB post.
    Kaya panahon na para amyendahan ang batas sa credit card, dehado lagi ang card holder,
    ikaw na nabiktima ikaw pa pinababayad na hindi mo ginamit at ikaw rin magimbestiga habulin ang maysala, sa madaling salita BAHALA KA SA BUHAY MO! tama po yon?
  • Julianne014Julianne014 Member PEx Veteran ⭐⭐
    Pano ba ma check MADNESS LIMIT kay BPI aside from calling their hotline? sobrang queuing kasi.  
  • QAengrQAengr Member PEx Expert 🎖️
    6yrs na ang card ko ngayong January pero wala akong nakikitang auto-increase ah. Last year wala din kahit on time naman ako magbayad at laging fully paid. Hello bpi, may problema ka ba sa akin? Hahaha
  • wowowinwowowin Member PEx Influencer ⭐⭐⭐
    Nagdadalawang isip na tuloy ako if papa increase pa ako ng credit limit kay BPI dahil sa mga nangyayari. Hahaa.
    pwede pa share if ano ito?
  • cps_1998cps_1998 Member PEx Guru 🎖️🎖️
    wowowin said:
    Nagdadalawang isip na tuloy ako if papa increase pa ako ng credit limit kay BPI dahil sa mga nangyayari. Hahaa.
    pwede pa share if ano ito?
    Magatal ka yata nawala nag AWOL ka dito sa PEX! :lol: backread ka konti basahin lo itlong linked
    https://www.pinoyexchange.com/discussion/938552/bpi-credit-card-users-pinoyexchange-thread-v/p241
  • cilantro IIIcilantro III Member PEx Veteran ⭐⭐
    salamat aa sasagot.

    dun sa nagkaron ng link card or 2nd card sa bpi, kelan na bill ang annual fee ng 2nd card? free annual fee for the 1st year din po ba yun link card or 2nd card?
  • SoulExchangeSoulExchange 青春フールパワー PEx Expert 🎖️
    Not sure sa linked card. Pero yung 2nd card ko free 1st year din.
  • cilantro IIIcilantro III Member PEx Veteran ⭐⭐
    Not sure sa linked card. Pero yung 2nd card ko free 1st year din.
    yun 1st card mo po ba ay no annual fee for life? yun sakin kasi no annual fee for life yun 1st bpi cc. thanks again.
  • TheAdlerianTheAdlerian Member PEx Veteran ⭐⭐
    3 years nako sa current work ko ngayon. Sana sa pag-a-apply ko uli sa BPI e hindi na nila sabihing unstable ang employment ko. Papatulong na nga ako sa BOA ko dahil sinabi kong kada apply ko tinatag ni BPI Cards na Unstable Employment ang application ko kaya laging declined. Hindi rin malaman ni BOA at naweweirduhan din sila bakit Unstable Employment daw ang tagging ng BPI Cards. Anyway, medyo mas may chance ba ang Branch Endorsement? May cash flow naman ang savings account ko dahil inililipat ko sahod ko dun then kapag may mga extrang pera na dumadating ipinapasok ko rin dun. Harinawa. Pambihirang BPI to ang hirap pa-oo-hin. Weeeew. 
  • IronHandofJusticeIronHandofJustice Member PEx Guru 🎖️🎖️
    3 years nako sa current work ko ngayon. Sana sa pag-a-apply ko uli sa BPI e hindi na nila sabihing unstable ang employment ko. Papatulong na nga ako sa BOA ko dahil sinabi kong kada apply ko tinatag ni BPI Cards na Unstable Employment ang application ko kaya laging declined. Hindi rin malaman ni BOA at naweweirduhan din sila bakit Unstable Employment daw ang tagging ng BPI Cards. Anyway, medyo mas may chance ba ang Branch Endorsement? May cash flow naman ang savings account ko dahil inililipat ko sahod ko dun then kapag may mga extrang pera na dumadating ipinapasok ko rin dun. Harinawa. Pambihirang BPI to ang hirap pa-oo-hin. Weeeew. 

    Diba marami ka ng cards? Anong meron pala sa BPI para sayo?

    I just canceled my pre-approved card for 4 yrs dito kasi their service IS VERY UNACCEPTABLE, not to mention my RTR points were good as gone due to their system glitch na problema na since SEPT TO OCT LAST YEAR. 

    I am curious sa sagot mo. 
  • totobitstotobits Member PEx Guru 🎖️🎖️
    Curious lang ako, nagsha-share ba ng info ang mga credit card companies kung good payer ka or hinde?
  • IronHandofJusticeIronHandofJustice Member PEx Guru 🎖️🎖️
    totobits said:
    Curious lang ako, nagsha-share ba ng info ang mga credit card companies kung good payer ka or hinde?
    Oo. Kapag late rin. Pinakamalaki ang porsyento ng payment history.
  • totobitstotobits Member PEx Guru 🎖️🎖️
    totobits said:
    Curious lang ako, nagsha-share ba ng info ang mga credit card companies kung good payer ka or hinde?
    Oo. Kapag late rin. Pinakamalaki ang porsyento ng payment history.
    Buti naman, nagulat lang kasi ako may credit card na yung isa kong co worker, notoryus pa namang mangungutang iyon, alam kong i-ma-max out niya yun at di na niya babayaran.
  • red.vesper07red.vesper07 Member PEx Influencer ⭐⭐⭐
    let's see if BPI improves soon, it seems a lot are changing within the company. they are also demolishing their very old HQ in Ayala Avenue and building a brand new headquarters. 


    BPI, IBM forge $260-million information technology deal

    Mary Grace Padin (The Philippine Star) - January 25, 2019 - 12:00am

    MANILA, Philippines — IBM Global Services, the professional services arm of IBM, has signed a $260 million multi-year agreement with Bank of the Philippine Islands (BPI) to help accelerate the bank’s digital transformation.

    Under the agreement, IBM will provide BPI with information technology infrastructure services to support the Philippines’ third largest bank in terms of assets with its digital development capabilities.

    Read more at https://www.philstar.com/business/2019/01/25/1887837/bpi-ibm-forge-260-million-information-technology-deal#Yt7dtUekBKUGxWuG.99
  • frittycoffeefrittycoffee right behind u PEx Rookie ⭐
    nakakabother nga yung fraud issue na yan.
    kahit sa akin mangyari yan, for sure araw araw ko silang tatawagan.
    nakakalungkot lang na, wala man lang added security si BPI.


    naalala ko lang, nung nagpaswipe nang laptop
    yung kaibigan ko (via lazada online)
    tumawag sila sa akin to confirm
  • frittycoffeefrittycoffee right behind u PEx Rookie ⭐
    question lang:
    ppwede bang pabawasan yung credit limit
    natakot tuloy ako. hahaha
  • gwapongkabayogwapongkabayo Member PEx Rookie ⭐
    Hi everyone!
    May nakapag try na ba magpa waive ng annual fee recently?
    anniversary na kasi ng BPI Amore Visa card ko, tumawag ako sa hotline, ang offer nila e 9k spend over 3 months daw para mareverse. Could I get a better offer than this? Yung walang spend condition sana... sabi ko i-cut ko nalang yung card. May customer rep daw na mag contact sakin, pero di pa ulit tumatawag. 

    Annual spend ko on this card is 54k, back up card lang kasi... 

    On another note, pano makakuha ng no annual fee for life na card from BPI? 
  • SoulExchangeSoulExchange 青春フールパワー PEx Expert 🎖️
    Ganyan na madalas offer nila, 9K for 3 months.
    Re: no annual fee
    Madalas may offer sila between Q3 - Q4. Kaso dapat wala ka bpi for 1 year & 1 day
  • DecidueyeDecidueye PExer
    edited January 25
    Good day! 

    Gano katagal usually bago madeliver yung card pag na approve? 

    Nakatanggap ako ng text from BPI saying my card is on its way daw, expect to receive within 10 working days. Sa mga experience ninyo nasusunod ba itong time frame na ito? Kasi may kelangan ako bilin na item internationally before January ends, pwede ako makahiram ng cc pero siyempre prefer ko gamitin na yung akin. At nadating ba siya ng weekend, or weekdays lang?

  • avidavid Member PEx Veteran ⭐⭐
    Decidueye said:
    Good day! 

    Gano katagal usually bago madeliver yung card pag na approve? 

    Nakatanggap ako ng text from BPI saying my card is on its way daw, expect to receive within 10 working days. Sa mga experience ninyo nasusunod ba itong time frame na ito? Kasi may kelangan ako bilin na item internationally before January ends, pwede ako makahiram ng cc pero siyempre prefer ko gamitin na yung akin. At nadating ba siya ng weekend, or weekdays lang?

    In my case, I received the same text, three days later, I got a text that it was unsuccessfully delivered. I don't know if the courier arrived during the lunch break when the office was closed because when i asked the people there, they said no one has arrived about my card.

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