AXP American Express & DCI Diners Club International Cards 💳 ••• S3 | FAQ pp.1-4

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MALIGAYANG PAGDATING SA IKATLONG SINULID NG TALAKAYAN NG AMERICAN EXPRESS, DINERS CLUB INTERNATIONAL kasama ang DISCOVER CARDS.

Welcome to the THIRD Cardmembers' Discussion Thread of 
AMERICAN EXPRESS COMPANY (AXP) and DINERS CLUB INTERNATIONAL (DCI), with DISCOVER CARDS.

Don't live life without it. BELONG.

✔😉😎👌😊❤💖😜😆😃😉🌹🎂😃😆🤔😜🎁👀✨😎😘✔😉😎👌😊❤💖😜😆😃😉🌹🎂😃😆🤔😜🎁👀✨😎😘✔

AMEX INCENTIVO. Check it out: Incentivo 2021

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AMEX
IG: @americanexpress
Global Website: https://network.americanexpress.com
PH Website: https://network.americanexpress.com/ph/

DCI
IG: @dinersclub
Global Website: https://www.dinersclub.com
PH Website: https://www.dinersclub.ph/


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Workers' Thread: AXP American Express PH
Depositors' Thread: AESBI American Express Savings Bank (Philippines)
Virtual Card: Globe GCASH American Express Virtual Card

Credit, Charge, and Virtual Cards:
I,II: AXP American Express, DCI Diners Club International, & Discover Cards (S1&2)
III: AmExCo (AXP), Diners Club (DCI), & Discover Cards (Sinulid 3)

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AMERICAN EXPRESS COMPANY

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I: AXP American Express Cards
I: DCI Diners Club International Cards
II: AXP American Express & DCI Diners Club Cards - Sinulid II
III: AmExCo (AXP), Diners Club (DCI), & Discover Cards - Sinulid 3 | FAQ p.1-4

Worker's Thread: AXP American Express PH


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KUWENTO. KUWENTO.
>Increase in Credit Limit : Diskarte (Pahina 8) - emcee_008, newbie888, cccc
>CARD'S MEMBERSHIP FEE vs PERKS, BENEFITS, PRIVILEGES  -akan3, hsuson, Entitled_Borrower, aeonfenrir, cccc, Strong7Power, gibsonfan

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DINERS CLUB INTERNATIONAL products in The Philippine Islands market

https://www.dinersclub.com/assets/images/acceptance/acceptance-map.png

WORLDWIDE ACCEPTANCE
Use your card with confidence knowing it’s welcome across the globe.

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AMERICAN EXPRESS products in The Philippine Islands market

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FAQ

OVERVIEW

-What is American Express Company?

-What is the historical background of American Express across the world and in the Philippines?

-What are the exciting privileges of being an American Express Cardmember?

-What is Diners Club International?

-What are the exciting privileges of being a DCI Cardmember?

-In case of emergency, how can I reach AMEX/DCI PH?

CARD APPLICATIONS

- Paano didiskartehan ang AMEX PH o DINERS PH?

-How can I find out the status of my application?

-Is it easy to get approval on each AMEX/DCI card applications?

-Why AMEX tag as privilege or prestige bank card?

-What is Branch Endorsement? How?

ALL ABOUT CARDS

-What do I need to know more about BDO Cards?

- What are the Official Names and BDO's Nicknames for AMEX and DCI cards?

-What Card Numbers do BDO-issued AMEX/DCI cards starts with? 

-Could you share the comparison of AMEX Premium Cards?

-Philippine version of AMEX Companion Cards

-What is Card Security Code?

-Is there a high chance of approval if I use AMEX card as reference in applying a new card from other Card Issuer?

-Are AMEX and DCI card points eligible for BDO Rewards Card points conversion?

-What are the known features of AMEX/DCI card?

-Why AXP Cashback not easily AMF waivable? Is there a chance to reverse AMF?

-Comparison: Old and New AXP Platinum Credit Card?

-Why AMEX ad DCI Cards cannot consider BDO Credit Cards (technically)?

-How high the acceptance of AMEX and DCI cards?

-What do you see in AMEX/DCI cards in ultraviolet lights?

-What are options in changing my card type?

-Will my points forfeit when ask for change of card type?

-What is The American Express International Currency Cards?

-What is the meaning of “No Pre-Set Spending Limit” on Charge Cards? 

BILLING

-What do I do if I did not receive my Monthly Billing Statement?

CREDIT LINE

-What is the starting Credit Limit of each AMEX and DCI cards?

-What is the spend requirement for automatic membership fee waiver

-What are the credit limitions in BDO?

-What are the ICL strategies among PEXers

-How to determine if my cards are under SCCL or not?

-Is 6-month-waiting rule strictly implemented?

ADD-ON BENEFITS AND SERVICES

-In case of emergency, what are services offered by AMEXCO?

-What are the benefits of Purchase Protection?

-How American Express Helps Protect You?

-What are experiences in availing Lounge Access?

-Is AMEX Foreign Exchange low or high?

FRAUD MANAGEMENT

-What to do when you become a victim of fraud schemes?

-How can I avoid being a victim of Social Networking Scams?

ELITE CARDS

Is BDO/AMEX PH strictly issues Elite Card?

Why AMEX is different? Why AMEX is prestigious?

How about BLACK CENTURION / THE PLATINUM CARD?

OTHER SPECIAL CONTENT:

-Travel Cards Rewards

-And many more!

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What is American Express?

AT AMERICAN EXPRESS, WE:

-are the world's largest card issuer by purchase volume

-process millions of transactions daily as the premium network for high-spending cardmembers

-help small business owners succeed by delivering purchasing power, flexibility and financial control

-provide commercial payment tools and expertise that help companies control their spending and save billions of dollars

-offer marketing and information management insights that help merchants -build their businesses

-are customer loyalty experts with industry-leading rewards programs and platforms

-operate one of the world's largest travel networks

-are recognized as the most innovative company in our industries

-are dedicated to serving our customers, 24/7, around the world

American Express is the only company with a strong, global presence across the entire payments chain.

We are the world’s largest card issuer, the premium network for high-spending cardmembers, a processor of millions of transactions daily, and a partner that provides business-building services to a worldwide merchant base.

What Makes Us Different

SPEND vs LEND. Unlike other card issuers, we earn most of our revenues from cardmember spending and the business we drive to merchants rather than from lending fees and revolving credit balances. Our spend-centric model; lower reliance on lending; and broad portfolio of products and services for consumers and B2B customers position us to earn attractive returns.

PREMIUM CUSTOMERS. We have the best customer base of any payments company. On average, our cardmembers spend about four times more than those of MasterCard and three-and-a-half times more than Visa. And we have the highest credit quality among major card issuers. We earn the loyalty of our high-spending customers by providing them with industry-leading products, services, rewards and benefits.

UNPARALLED SIGHTS. Our ability to capture, analyze and gain insights from the billions of transactions that flow through our network enables us to create value for consumers, merchants and business customers. With this information, which we strictly guard, we craft relevant and valuable offers for cardmembers, help our merchant partners attract customers, and identify ways for businesses to control expenses and manage payments.

SUPERIOR SERVICE. A global leader in customer service, we strive to understand our customers, treat them with respect, and go the extra mile to help them. Our commitment to customer service has also earned us many other honors for distinguished service worldwide.

A TRUSTED BRAND. American Express has one of the world’s most trusted and powerful brands. Our name stands for security, service and personal recognition. This reputation attracts customers and business partners, inspires our employees, and is valued by investors. Forged over 160 years of doing business, our brand continues to set us apart from the competition.

COMMUNITIES. There’s a reason why we call our customers cardmembers. We treat them as members of a special community of people who strive to achieve and live life to the fullest. Our cardmembers value the personal recognition they receive from American Express, from the Member Since date on their cards to the care they receive wherever they are, whenever they need us.

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What is the historical background of American Express across the world and in the Philippines?

The express company that forwarded freight and valuables evolved into a company that created and sold financial products like money orders and travelers cheques. Following an era of international expansion, the company became an entity perhaps best known for its charge card. Today, American Express is a global payments company

The original company was founded on March 18, 1850, through the consolidation of three companies [Livingston, Fargo & Company (formerly Western Express, 1845), Wells & Co. (1845), and Butterfield & Wasson (1849)] active in the express transportof goods, valuables, and specie. 

In 1882, American Express launched the money order business, which proved an almost instant success. In 1891, they introduced the world’s first traveller’s cheque. In 1915, they officially entered the travel business by providing luxury steamship travel around the world. 

In 1958, the Card Business Era of American Express started as AMEXCO launched its first personal charge card (Green). And in 1966, American Express Gold Card was launched. And in 1984, they made waves as the first in the world to introduce their signature and highly coveted The Platinum Card®.

In early 1980s to early 1990s, American Express was known for cutting its interchange fee (also known as a "discount rate") to merchants and restaurants if they accepted only American Express and no other credit or charge cards. In 1991, a group of restaurateurs, upset about what they felt were American Express’ unfairly high rates, staged a revolt that came to be known as the Boston Fee Party. Outside the United States, card suppression – when merchants try to dissuade customers from using the American Express Card – began to rise. 

American Express then shifted their focus from exclusivity to broadening acceptance.

Since 1996, American Express has been pursuing a strategy of opening its merchant network and card product portfolio to third party issuers around the world. By leveraging its global infrastructure and the powerful appeal of the brand, American Express has gained even broader reach for its network worldwide. American Express has now established 148 partnerships in 160 markets across the world.

Today, American Express has never been more competitive. It is a world leader in providing charge and credit cards to consumers, small businesses and corporations. It is the world's largest travel agency, offering travel and related consulting services to individuals and corporations around the world. the world's It is the largest card issuer by purchase volume.

As it has throughout its long and varied past, American Express continues to deliver valuable and innovative services to its customers. It remains committed to its longstanding core values. And, as it was in 1850, it is poised to seize new opportunities in a rapidly changing industry and world.

ABOUT AMERICAN EXPRESS IN THE PHILIPPINES

American Express opened its first office in Asia at 36 Escolta in Manila, Philippines in 1916 – first started its business by offering a variety of shipping services, custom brokerage and traveler’s checks.

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In 1991, The Platinum Card® was introduced to the Philippines where it continues to maintain its status as one of the most desired cards in the market.

AMEXCO partnered Equitable Card Network in the 1990s.

When BDO took over EPCIB, it assumed the operation and issuance of The EPCI American Express® Credit Card and The EPCI American Express Gold® Credit Card. By December 2007, BDO also became the Issuer of all American Express Cards in the Philippines issued out by American Express International, Inc. (AEII) and American Express Savings Bank (A Savings Bank), Inc. (AESBI). Since then, BDO has continued to enhance these products and develop new ones to satisfy customer requirements.

AMEXCO continues to operate its other businesses in the Philippines, including the American Express Bank Ltd. Offshore Banking Unit (OBU) and the American Express Travel Joint Venture-American Express Transnational Inc. The American Express Travel representative offices of Adventure International Tours Inc. will likewise continue operating

In 2012, Globe Telecom’s G-Xchange Inc’s and AMEX launched GCASH American Express® Virtual Card. It is s a virtual card linked to a user's GCASH wallet that allows a secure way of shopping from online retail sites that accept American Express as mode of payment.

In 2016, AMEX and BDO celebrated the 100 Years of American Express in the Philippines.

Today, American Express has jointly launched with our local issuing partners (BDO and Globe Telecom) a total of 14 products, which are sought after by frequent travellers, digital-savvy mobile wallet users and corporate clients in the Philippine market. American Express has also established through local partnerships a network of affiliated merchants that span the whole country.

AMEX Primary logo, alternate logo, and wordmark.

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What are the exciting privileges of being an American Express Cardmember?

The exciting privileges of being an American Express Cardmember is divided into 4 categories: 

-Membership Rewards

-Shopping, Dining, Travel

-Services and Securities

-Financial Privileges

MEMBERSHIP REWARDS 

MEMBERSHIP REWARDS POINTS

-Accumulate non-expiring points

-Redeem the perfect Reward

-Get free flights and/or hotel stays by transferring your MR points to our Frequent Traveler Option partners.

“FREQUENT TRAVELER OPTION (FTO)” permits the conversion of Points into any one or more participating airline’s or hotel’s frequent or preferred customer programs and such other rewards that may be added from time to time. Enrollment is Free and automatic for The Platinum Card® and AXP® Platinum Credit Card.

NON-FREQUENT TRAVELER OPTION (NFTO)” involves all other regular rewards provided by the Program and such shopping gift certificates, dining vouchers, gadgets, travel essential items and more.

AMERICAN EXPRESS INCENTIVO

Membership Rewards® Catalogue. 

Leaf through the pages of our catalogue and start choosing from an exceptional collection of well-deserved rewards that you can use to enjoy life at its best.

SHOPPING, DINING, TRAVEL

AMERICAN EXPRESS SELECTS

American Express Selects is raising the bar when it comes to the exciting world of privileges. A fine selection of year-round offers and fantastic savings awaits you wherever you may be - whether you are in Madrid, London or Sydney, Hong Kong or Singapore. Whenever you find the American Express Selects window decal or countertop signage, you know you'll receive exceptional value at hotels, restaurants, shops and spas by simply presenting your American Express Card.

Escape the humdrum. Step out of your daily grind and visit any of these fine establishments today. With your American Express Card, a blissful experience is waiting for you.

https://www.americanexpress.com/ph/network/content/offers/american-express-selects.html

AMERICAN EXPRESS INVITES

Taste from American Express lets you experience local favourites from across the globe especially chosen by American Express dining experts. If you’re very passionate about dining, you’ll find receiving something extra on the house–such as a discount, complimentary wine, or appetizer–very welcoming.

AMERICAN EXPRESS LIVE THE WORLD

Travel the world, savour amazing experiences and enjoy up to 50% off dining, accommodation and more thanks to American Express. This is the life. And yes, you can have it all.

http://livetheworld.americanexpress.com/en-GB

TRAVEL SERVICE OFFICES WORLDWIDE

Travel service offices are available worldwide to assist you on your travel-related inquiries and concerns.

AMERICAN EXPRESS CONCIERGE - PILIPINAS (+632) 8407800

The CONCIERGE is available to AXP® CX Elite, AXP® Platinum Credit, at THE PLATINUM CARD®.

Our Concierge staff is available to you day or night as a personal resource for many different aspects of your life. Whether you need to select a restaurant and arrange the details of an upcoming special event or if you want expert advice selecting just the right gift, you can rely on Concierge to coordinate and take care of your requests, big and small.

SERVICE AND SECURITY

EXCEPTIONAL SERVICE AND SUPPORT. American Express has a 24/7 Customer Service Hotline available anytime, anywhere. Should you have anything to check with your account, the American Express customer service support is ready to accommodate you anywhere you are, anytime you need anything–even on a weekend!

GLOBAL ASSIST – PILIPINAS (+632) 6878503. If you are overseas and find yourself in need of emergency medical or legal assistance, American Express® Global Assist will help you and your Cardmembers by providing the needed advice, services and/or support.

EMERGENCY CARD REPLACEMENT. If lost or stolen, we will replace your Card within 48 hours of notification.

EXPRESSPAY. Speed through checkout process around the world where contactless payment is accepted. Just look for the American Express® logo and contactless symbol.

No accidental payments. Your Card must be extremely close to the reader for transactions to push through.

https://www.americanexpress.com/ph/network/content/EMVexpresspay.html

AMERICAN EXPRESS SAFEKEY

To enhance the security of your online shopping experience, ALL Basic and Supplementary American Express Cardmembers will automatically be enrolled in the American Express SafeKey facility.  Every time you purchase online at participating SafeKey merchants, an American Express SafeKey pop up screen will appear and prompt you to key in your One-Time PIN.

https://www.americanexpress.com/ph/network/content/OTPsafekey.html

30-DAY PURCHASE PROTECTION

You know you are in a good credit card membership when your credit card can readily insure your retail purchases from theft, loss, or damage within 30 days from purchase. Now that’s secure buying! Coverage is underwritten by the Insurance Company of North America.

FINANCIAL PRIVILEGES

EXPRESS INSTALLMENT PAYMENT PLAN[/b]. You can now spend for all the appliance, furniture, gadgets, jewelry or clothes you want without worry. The EasyPay Installment program allows you to purchase items on installment from over 11,000 partner stores nationwide. Choose from 3, 6, 9, 12, 18, 24 and 36 monthly installment. 

Avail EasyPay Installment through any of the following:

-Absolutely 0% Interest*

-Easy and affordable monthly add-on interest rates

-Plus, take advantage of special extended installment terms when you Buy Now Pay Later and catch exclusive discounts and latest offers during special promo dates.

EXPRESSPAY CASH. Turn official receipts into cash. Have your cash purchases converted as card transactions with ExpressPay Cash.

EXPRESS CONVERT. Convert your straight purchases from any of your favorite stores in easy installments. No installment scheme offered at your favorite store? Good news! You can convert almost anything into installment using your BDO Credit Card! Simply call 631-8000/667-1680 or apply online via [url]www.bdo.com.ph/EPConvert[/url] and convert any of your regular purchases*** worth at least P3,000.

CASH ACCESS. Cash Advance access allows cardmembers to withdraw cash from Automated Teller Machines (ATMs) worldwide. 

Benefits from BDO Unibank:

BALANCE TRANSFER. Transfer your other issuer's credit card balances to your BDO Credit Card and save on high interest rates.

CASH-IT-EASY. Turn your credit limit into cash. It's just like a Personal Loan.  It is the equivalent of BPI's Credit2Cash, MCC's Cash2Go, and Citi's Call4Cash. This feature is open to [u]pre-qualified Principal credit cardmembers[/u] whose accounts are active & current at the time of application and have received an SMS from BDO.

FINANCIAL FLEXIBILITY. Pay your outstanding balance in minimum or full, or in between. Interests apply.

PAYMENT CONVENIENCE. Payments accepted in a wider networks of BDO branches and BancNet ATMs. Pay Online. Pay at accredited SM Bills Payments and Bayad Center.

AUTO-CHARGE/CHARGE ON DEMAND. The Auto-Charge Facility is an automated payment facility offered to BDO Credit Cardmembers to conveniently settle periodic bill/s (i.e. utility, telecommunications, premiums, membership, and the like) of accredited utility partners by charging the amounts thereof to their BDO Credit Card through a one-time enrollment for automatic charge of the periodic bill/s. While Charge On Demand is a payment facility offered  on a per request basis or as deemed necessary by the cardholder.

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What is Diners Club International?

Established in 1950, Diners Club International (DCI) was the first independent charge and credit card company in the world, and it established the concept of a self-sufficient company producing credit cards for travel and entertainment. DCI or Diners is under the Discover Financial Services, Inc.

Diners Club's monopoly was short-lived, as American Express and Carte Blanche, BankAmericard (now Visa) and Interbank Master Charge (now MasterCard) began to compete with Diners Club in the credit & charge card market. American Express now dominates the "member card" arena, providing millions of customers with cards that require the monthly balance to be paid in full.

As the Company faced stiff competition, DCI began early on to allow franchises of the Diners Club name, at first in Europe and later throughout the world. The first plastic Diners Club card was introduced in 1961; by the mid-1960s, Diners Club had 1.3 million cardholders.

Diners Club International was acquired by Citigroup in 1981 and by Discover Financial Services in April 2008

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DCI in the Philippines

In the 1970s, Security Bank issued its first credit card, introducing the Philippines to Diners Club. DCI is also the first credit card to be issued in the Filipino market. However, stiff competition occurred as local & international credit card providers established and other payment network/card brands entered in the country in the latter years.

Through the years, the growth of merchant acceptance and purchase volume for DCI remained slow-moving or no little progress, as compared to other card brands such as AMEX and JCB.

 

Not until 2016, the Philippines’ largest lender became the answer to the growth problems of Diners Club International, as Security Bank, through SB Cards, has sold its rights as the exclusive issuer and acquirer of Diners Club International (DCI) credit cards in the country to Banco de Oro Unibank Inc.

BDO opens up new opportunities in the Philippines for Diners Club and Discover cardholders through a large base of merchant acceptance locations and access to over 1,000 operating branches. As a franchise, BDO will enable Diners Club to extend its global merchant footprint and issuing while solidifying its position as a premier card option for consumers in the Philippines by providing them access to merchants all over the world wherever Diners Club is accepted.

Today, DINERS CLUB PH has jointly launched with our local issuing partners a total of two products, which are sought after by frequent travelers.

-Diners Club International Standard

-Diners Club International Premiere

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DISCOVER CARDS
Our comprehensive and secure payments network supports a full range of credit, debit and prepaid cards, including Discover card. We provide customer-centric tools and programs designed to help issuers, acquirers and merchants drive loyalty, increase transaction volume, and run their businesses with streamlined efficiency. We've also formed strategic alliances with China UnionPay and JCB to provide reciprocal card acceptance on these networks in many countries around the world.

PULSE

Acquired in 2005, PULSE has operated one of the nation's leading ATM/debit networks for over three decades, serving more than 4,500 banks, credit unions and savings institutions across the U.S. and linking cardholders with ATMs and point-of-sale payment terminals nationwide. PULSE employs a state-of-the-art network environment designed to provide continuous service, processing transactions and settlement simultaneously

1950: DINERS CLUB BECOMES THE WORLD’S FIRST MULTIPURPOSE CHARGE CARD

 1955: THE FRANCHISE NETWORK STRETCHES ACROSS THE GLOBE IN EUROPE, ASIA AND THE MIDDLE EAST.



SEE MORE: https://www.dinersclub.com/about-us/history

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HISTORY OF DINERS CLUB INTERNATIONAL

1950s
1950: DINERS CLUB BECOMES THE WORLD’S FIRST MULTIPURPOSE CHARGE CARD

For businessman Frank McNamara, forgetting his wallet while dining out at a New York City restaurant was an embarrassment he resolved never to face again. Luckily, his wife bailed him out and paid the tab.

A year later in February 1950, he returned to Major’s Cabin Grill with his partner Ralph Schneider. When the bill arrived, McNamara paid with a small cardboard card, known today as a Diners Club Card. The event was hailed as the First Supper, paving the way for the world’s first multipurpose charge card.

1951: MEMBERSHIP REACHES 42,000 AS ACCEPTANCE EXPANDS TO MAJOR US CITIES.

1953: BUSINESSES IN THE UK, CANADA, CUBA AND MEXICO BEGIN HONORING DINERS CLUB, MAKING IT THE FIRST INTERNATIONALLY ACCEPTED CHARGE CARD.

1955: THE FRANCHISE NETWORK STRETCHES ACROSS THE GLOBE IN EUROPE, ASIA AND THE MIDDLE EAST.

1958: DINERS CLUB RUNS ITS FIRST MAJOR TELEVISION ADVERTISING CAMPAIGN AS A SPONSOR OF THE NEW YORK GIANTS AMERICAN FOOTBALL TEAM.

Other moments in history:
>Diners Club enters the travel market when travel agencies in major cities agree to accept the card for purchase of airline, steamship and cruise tickets.

>The IRS begins to require detailed records of business expenses, which increases demand for Diners Club cards.

>During the Floyd Patterson vs. Roy Harris heavyweight championship, more than 25% of the $200,000 spent by spectators that night was charged on Diners Club cards.

1959: DINERS CLUB REACHES ONE MILLION CLUBMEMBERS AND IS LISTED ON THE NEW YORK STOCK EXCHANGE.

1960s

1967: 130 COUNTRIES NOW ACCEPT DINERS CLUB—MORE COUNTRIES THAN ARE IN THE UNITED NATIONS

1969: DINERS CLUB BECOMES THE FIRST CHARGE CARD IN RUSSIA

Other moments in history:

>Reservations World, a subsidiary of Diners Club, creates the first industry-wide computerized reservation system that allows people to make hotel reservations anywhere in the U.S. with a toll-free telephone call.

>A new subsidiary, International Floatels, is formed, creating the world’s first waterborne hotel.

>Yet another Diners Club-owned company produces a Ford credit card to purchase car repairs on credit.

1970s
1974: FIVE OUT OF EVERY SIX CREDIT CARD-CARRYING TOURISTS ENTERING THE UNITED STATES HAVE A DINERS CLUB CARD

1975: DINERS CLUB INTRODUCES THE INDUSTRY’S VERY FIRST CORPORATE CARD PROGRAM.

1980s

1980: DINERS CLUB BECOMES THE FIRST CHARGE CARD IN USED IN CHINA.

1981: CITICORP ACQUIRES DINERS CLUB INTERNATIONAL.

1984: DINERS CLUB CREATES THE INDUSTRY’S FIRST REWARDS PROGRAM: CLUB REWARDS.

1987: CLUBMEMBERS CAN NOW ACCESS CASH AT ATMS WORLDWIDE THROUGH CLUB CASH.

1990s

1990: DINERS CLUB OFFERS THE FIRST MULTINATIONAL CORPORATE CARD PROGRAM.

Other moments in history:

>Life Magazine recognizes Frank McNamara as one of the 100 most influential Americans of the 20th century.

>Citicorp sells its minority interest in the Diners Club Japanese franchise to Fuji Bank Group and Japan Travel Bureau.

2000s
2000: DINERS CLUB INTERNATIONAL RELEASES THE SUPER PREMIUM BLACK CARD.

2003: A NEW GLOBAL CAMPAIGN IS LAUNCHED TO TARGET BUSINESS TRAVELERS.

2007: THE DINERS CLUB MULTINATIONAL CORPORATE CARD PROGRAM NOW SPANS 40 COUNTRIES.

2008: DISCOVER FINANCIAL SERVICES ACQUIRES DINERS CLUB INTERNATIONAL.

2009: DINERS CLUB INTERNATIONAL REINVIGORATES THE BRAND WITH THE LAUNCH OF A NEW GLOBAL ADVERTISING CAMPAIGN.
Other moments in history:

>Clubmembers now have access to more than 130 airport lounges around the world.

>Diners Club International and PULSE build a global cash network at dinersclubcash.com.

>The first multi-country acquirer agreement to grow European acceptance of Diners Club and Discover Network cards is signed.

2010s
2012: DINERS CLUB INTERNATIONAL LAUNCHES ITS PRESENCE ON SOCIAL MEDIA.

2014: DINERS CLUB INTERNATIONAL’S BELONG II GLOBAL ADVERTISING CAMPAIGN IS LAUNCHED.

2016: DINERS CLUB INTERNATIONAL LAUNCHES ITS NEW GLOBAL WEBSITE.

CLUBMEMBERS NOW HAVE ACCESS TO MORE THAN 800 AIRPORT LOUNGES AROUND THE WORLD.

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What are the exciting privileges of being a DCI Cardmember?

EARN AIRLINE MILES

Use your BDO Diners Club and earn Airline Miles faster. You can change your airline miles for exciting trips here and abroad.

DINERS CLUB LOUNGE ACCESS

Relax and recover from the fatigue of travel while waiting for your flight with admission to more than 700 Diners Club airport lounges across the globe. Plus, as Diners Club INTERNATIONAL Cardholder, you can avail of one (1)* FREE airport lounge or as Diners Club International PREMIERE Cardholder, you can avail of two (2)* FREE airport lounge access per year. The free airport lounge access can be used either by the Principal or Supplementary Cardholder only. For the list of airport lounges that you can access, visit www.dinersclublounges.com.

DINERS CLUB PRIVILEGES

Revel in world-class experiences in dining, travel and entertainment. Diners Club Privileges has more than 1,400 offers with partners in over 70 different countries to enhance every leg of your journey. Please visit www.dinersclubprivileges.com for the list of offers.

DINERS CLUB TRAVEL TOOL MOBILE APP

Anywhere you go, you can take the benefits of Diners Club with you. Download the Diners Club Travel Tools mobile app to browse airport lounges, explore Privileges offers by location, convert more than 140 currencies, access customary tipping advice and locate ATMs and cash access locations while traveling. Download on the App Store or get it on Google Play.

FREE TRAVEL INSURANCE

PHP20 Million Travel Accident and Travel Inconvenience Insurance.

Just charge your transportation fare (airline tickets and means of public transport) to your BDO Diners Club Premiere Credit Card every time you travel!

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In case of emergency, how can I reach AMEX/DCI PH:

OFFICIAL COMMUNICATION

Online

Website: americanexpress.com.ph/ ; dinersclub.ph

Online Banking website: https://online.bdo.com.ph/

Facebook: https://www.facebook.com/BDOUnibank/

Email: [email protected]; [email protected]

Other Email Addresses: [email protected], where xxxx is either the name of the unit or the name of the bank personnel sending the email.

24-Hour Customer Service Hotline

Landline: (+632) 631-8000

Globe: 1800-8-631-8000

PLDT: 1800-10-631-8000

Bayan: 1800-5-631-8000

Digitel: 1800-3-631-8000

International Toll-Free (International Access Code)-800-8-6318000

Special Services Communications - AMEX

The Platinum Card: (+632) 8407000

Concierge: (+632) 8407800

Global Assist: (+632) 6878503

Cathay Pacific: (+632) 8144777

Email: [email protected]

AXP Web Worldwide: https://americanexpress.com

AXP Web PH: https://www.americanexpress.com/ph/network/

Special Services Communications - DINERS

DCI Web Worldwide: https://www.dinersclub.com

Lounges: www.dinersclublounges.com

Privileges: www.DinersClubPrivileges.com

Consumer Lending Group / Marketing

Card Sales: (+632) 6881200, 6881288 loc 44402

Balance Transfer, Cash Installments: (+632) 6671680

Card Delivery Concerns

6881222 from 8:30am to 7:00pm

Merchant Hotline

(+632) 7026900

Fraud Management Unit

(+632) 7026888

#AMEXph

#AMEXPhilippines

#AMEXCO

#DCI

#DCIph

Strong7Power

What are the steps in New Card Application?

APPLICATION: GETTING A NEW CARD

APPLICATION PROCESS. Get and fill up application form. Maybe done via any branch of BDO or The SM Store, website/online, or marketing agents (usually located in major malls).

VERIFCATION PHASE. The information contained on the application is being verified. The Card Issuer will call you. During verification call, the information you provided in the application should match the answers to what Bank Officer will ask you.

The Card Issuer need at least one contact number to verify you are reachable. Mobile number is as important as home and office landline phone number. Application with postpaid mobile numbers is priority for processing.

CREDIT INVESTIGATION PHASE. Applications, documents, debt-to-income ratio, credit history and credit scores are being reviewed. Employments and income are being verified. Your CASA in BDO is being checked also.

For low risk job title, app is automatically consider.
For high risk job title, the credit officer will verify everything.

Applicants with work less than 6-12 months tenure or those with bad or no credit history will be auto-declined. (In this case, branch endorsement option is your last resort).

For office phone number requirement, this is to verify your employment if you are in a high risk job. (And yes, engineers, architects, BPO employees esp. call center representative, government employees, at mga trabahador na madalas na nasa field work KAHIT sobrang taas pa ang sahod ay nasa high risk category. Credit Officer will call your HR department, as per protocol.

PHONE RING? Some credit officers are also follow 3 (three)-ring-policy especially if there's high volume of applications (this is mostly for online applications because field agents didn't see you personally). They'll ring you and drop the call if you didn't answer for 3 rings. And, yes they also usually ring you only once per day. Once you didn't answer, you'll be placed on the end of the list and subject to be called again if you are considered a potential customer, but will get declined if not.

All of the checks and verification will be sent to the credit manager.

CREDIT EVALUATION PHASE. Once the application and credit scores are reviewed, the credit evaluator assesses your information to see which credit card you qualify for based on the creditor's criteria.

DECISION/VERDICT PHASE. The phase whether your application is approved or declined. Credit officers eliminates
the applications with bad review while submit the applications of potential clients as well as their information to the approving credit manager. The Approving Officer will decide for the final verdict of the potential clients ‘applications.


Common reasons for application denial
-Bad rating/review on credit score (not good in repayment history, credit utilization ratio, credit mix, the length of credit history and the number of recent credit inquiries, etc.)
-Use too much of your available credit
-Recent Inquiries (approvals and denials)
- Increase debt-to-income ratio
- Doing follow-ups (it can suggest that you badly need credit or you were declined by several banks before).
- Declined phone call (miscall) during verification, investigation & evaluation stage.

APPLICATION REQUIREMENTS
Eligibility Criteria
a. 21-70 years old
b. Must be a Filipino citizen.
c. Must be a regular employee or must have an existing business for two years.
d. Minimum gross income of at least P120,000.
e. Must have Landline contact number.
f. Residence or Office address must be within BDO serviceable area.
g. Must be in good credit standing.

DOCUMENTARY REQUIREMENTS
a) with Existing Card: Photocopy of your latest W2 or BIR Form 2316 or latest ITR, Photocopy of last two (2) month's credit card statement of account, and If TransUnion Bureau subscriber/member, indicate first 6 and last 4 digits of credit card, credit card type and issuer and expiry date, and valid IDs.

b) Non-carded applicants: Proof of Income (BIR Form 2316, COE, Pay Slip / Photocopy of Registration of Business Name and latest ITR and W4 with BIT/Bank stamp) and Valid IDs.

TIMEFRAME
Application Process: 15-21 Banking Days from the start of verification and no interruption due to pending/cancellation.
Card Delivery: Once approved, 10-15 Banking Days for NCR; 20 Banking Days for outside NCR.

SUPPLEMENTARY CARD APPLICATIONS
*Application Form is available for download in the BDO website.
Application: 5 Banking Days from the start of receiving the supplementary application form
Card Delivery: Once approved, 3-5 Banking Days for NCR; 5-7 Banking Days for province.

Applications with Incomplete information or requirements will not be processed.

Reminder: It is easier to get approval if you apply under MasterCard, Visa, JCB, and CUP card brands and it harder for AMEX and DCI applications.

Strong7Power

Paano didiskartehan ang AMEX PH o DINERS PH?

Mga Aral at Diskarte sa BDO/AMEX/DCI Credit Cards

Ni Strong7Power

-SA MADALING PARAAN. Kung gusto magka-credit card: mag-impok. Bigyan ng sapat na panahon (sabihin nating 3-6 mga buwan o depende sa sangay) at magpaendorso sa sangay (BOA) ng iyong savings and checking account (CASA). Maliban na lang kung milyun-miyon ang ilalagak mo o may malaking Ugnayang Buong Balanse (TRB) ka sa Banco De Oro.

-PAGTAGUYOD NG MAGANDANG UGNAYAN. Gumawa ng mga hakbangin para mapalago ang ugnayang pagbabangko sa iyong sangay. Maganda sana kung lagi ka nakikita ng mga bangkero lalo na ang Tagapamahala ng Sangay (BM) at maging ang katuwang nito (ABM). Huwag puro OTC ang gawin sa bangko; kundi magkipagkuwentuhan sa mga bangkero sa anupamang paksa; at maging sa iba pang tagabangko tulad ng gwardya at utusan. 

-PAMIMILI NG SANGAY. Kung mamarapatin, mainam magbukas ng CASA sa sangay na may kategoryang “mall branch” (halimbawa, mga sangay na nasa SM Supermall, SM Savemore, SM HyperMarket, Waltermart, Fishermall, Citimall, SM Cherry Foodarama, SM Residences, Ayala Malls, Robinsons Places) kasi may “salik na X”  ang mga ganitong sangay ng BDO. Kumbaga, “may sabi” ang mga ganitong sangay. MAY MALALAKAS AT MAY MAHIHINANG SANGAY.

-SA SANGAY KA MUNA MAGTANONG. Kung naiiinip sa kahinatnan ng pag-eendorso, unang makipag-ugnayan sa iyong sangay bago sa linya ng  Parokya (C.S.).

-MAGPAKUMBABA KA MUNA. Kung unang credit card ang a-apply-an sa BDO, huwag muna pangarapin ang AMEX sa simula dahil mahirap mapasakamay o ma-approve kahit AMEX Blue. Piliin ang ShopMore MC o anupamang “basic cards.” Saka na ang AMEX kapag malaki na ang CL mo o kung pangalawang card application mo na. 

- HINAY-HINAY SA PAGTAWAG. Ang labis na pakikipag-ugnayan ay hindi rin mabuti; kasi, sa paningin ng bangko, lumalabas na ikaw ay atat o desperado sa pangungutang (kahit hindi naman talaga). 

-PANUNTUNAN KASI PINAIIRAL NG MGA AHENTE NG SERBISYO PAROKYA. SA ATIN, DISKARTE. Hindi totoo ang panuntunang änim na buwan na paghihintay sa mga hinihiling natin tulad ng credit card application at pagtaas ng linya sa pautang (ICL).

-REPERENSIYA. Ang gustong reperensiyang card ng BDO ay MCC/Metrobank, BPI, Citi, at HSBC. Sa ngayon, mas may dating ang Metrobank kaysa BPI. Gayunpaman, may naa-approve pa rin kahit wala sa apat na bangkong ito.

-HINGI NG TULONG SA BISOR. Para mapabilis ang hinihiling na serbisyo, kumausap ng pinuno sa paglilingkod sa parokyano , na tinatawag din itong “Supervisor Call o SupCall.”

-DISIPLINADO KA DAPAT! Maging responsable o managot sa paggamit ng credit cards. Kung maaari, maging “transactor” o taong palagiang magbayad ng buo kaysa “revolver” o taong nagbabayad lang ng minimum o higit pa.

-DAGDAG-TIPS: Sang-ayon sa tagaloob (pero hindi kumpirmado), ang paghiling na taasan ang linya sa pautang (ICL) ay ipinagkakaloob kahit wala pang 6 buwan ang edad ng card, e basta kadalasang nagagamit sa maraming uri ng paggastos, halimbawa ng utilidad, pagkain, gamit elektroniko, gasolina, at pagbiyahe. Alinsunod pa, ang may-ari ng card ay inuusisa sa ugali ng paggamit at kung naipapakita na ang BDO card ay pangunahing card sa lahat ng Tagapag-isyu ng “salaping supot.”. Samahan pa nito ng laging pagbabayad ng buo na nasa tamang oras, nang sa gayon ay mapagbigyan ka sa hinihiling mong ICL. Pero huwag umasa ng malaking CL. Pero may iba namang napagbibigyan na kasingtaas ng kwitis pamhimpapawid.

-PAGKUSA NG TAGAPAG-ISYU. Mas bongga ang ICL kapag bangko mismo ang nagbigay at hindi mo hiniling.

-ANG PAGHIHINTAY AY BIRTUD. Huwag mainip kung mababa pa ang CL mo ngayon. Kasi tataas naman iyan kalaunan. Kailangan talaga ng tiyaga sa paghihintay at panday ng panahon. Basta ba pagandahin ang kasaysayan ng utang at repustasyon mo o ang pangalan mo (credit history and credit worthiness). [Ako nga, tatlong taon bago makakuha ng unang ICL. Sa iba, wala pang isang taon, may ICL na!). KAILANGAN AY DISIPLINA.

-BASA, BASA DIN. Panghuli, sumubaybay sa PINOY EXCHANGE DOT COM, sa pangkat ng Credit Cards sa ilalim ng Personal Investing and Money Management sa mga bagong balita para sa diskarte. Balikan ang mga unang paskil (backread). Huwag puro tanong e.

Pahabol: Para maging klaro, uminom ng SPRITE. Para klaro ang diskarte. Haha.

Pahabol pa ulit: Ang pananaw at kuro-kuro na naipahayag ng tagapaskil ay di nangangahulugang kalagayan o nanalamin ng mga ibang tagapaskil. Gayundin, ang pananaw at kuro-kuro na naipapahayag ng iba pang tagapaskil ay di sumasalamin sa wari ng tagapaskil, ng Pinoy Echange Dot Com, at ng mga Tagapag-Isyu ng instrumentong pananalapi.

Pahabol ulit! Pangako, panghuli na ‘to: Karamihan ng mga impormasyong aking pinagtagpi-tagpi rito ay natutunan ko rin sa PEX.

***
Fig.: AXP CENTURION MARK

Strong7Power

How can I find out the status of my application?

By using BDO Website Online Service. You can know your application status via Website. However, most apps via Branch Endorsement are not visible in this query.

***
FIG: “Centurion” mark, before and after.

Strong7Power

OPINION: Is it easy to get approval on each AMEX/DCI card applications?

skipperjack: Hi guys. Mas mabilis ba ma-approve sa BDO AMEX as compared sa BDO MC AND VISA? Upon checking the requirements kasi sa website ng BDO, mas less ang sa AMEX. Tulad ng "Must be a regular employee for 1 year." Eh wala sa AMEX Cards pero meron sa MC and VISA cards. I am sure hindi ito error sa pag-encode nila ng data sa website dahil for sure dapat 100 percent accurate ang nakalagay sa website nila. TIA po.

kwiker03: para sa akin hindi, kasi thrice ako na-decline sa AXP Blue application ko pero nang MC, 1 week lang approved na. kahit kasi you meet all the requirements in the end depende pa din sa evaluation ng credit officer ang application.

Strong7Power: I guess so. Kung babalikan ang mga talakayan sa una, ikalawa, ikatlo, at ang hinahabing ikaapat na BDO Cards threads at ang una, ikalawa, at hinahabing ikatlong forum thread ng AXP, daming salaysay na mahirap nga lalo kung unang card sa BDO.

Maging sa mga opinyon at pahayag sa mga blog-site, forum site, at news site sa Estados Unidos, hindi madali ma-approve sa AXP. Kaya ng nawala ang mga tie-up cards sa mga kumpanya o tindahan (kamakailan, ang COTSCO-AMEX Card), maraming Amerikanong cardmembers ang nawalan ng AMEX Privileges. Hindi raw kasi madali makakuha ng AXP.

skipperjack: Ay ganun ba... nagkamali pala ako ng apply kung ganoon... AMEX ang in-applay-an ko eh tapos may tumawag sa akin from BDO yesterday para sa standard process nila na e babasa ang T and C. Dapat MC na lang muna...

Ah ganun ba. Ibig bang sabihin na ang BDO AND AMEX Company mismo ang mag e evaluate sa application? Or BDO lang talaga?

Strong7Power: According to a CS Suppervisor, "AMEX" issued by BDO has a separate/different department/division from "BDO" branded cards (MC/VISA/JCB/CUP).

Strong7Power: AXP is harder when it comes to Card Applications Approval than mainstream MC and Visa.

Maging sa mga opinyon at pahayag sa mga blogsite, forum site, at news site sa Estados Unidos, hindi madali ma-approve sa AXP. Kaya ng natapos o wala ng renewal of partnership ang mga tie-up companies/merchants/banks sa AMEX tie-up cards (kamakailan, ang COTSCO-AMEX Card sa U.S.; AMEX companion & tie-up cards with ANZ, NAB, Westpac, Commonwealth  sa Australia), maraming Amerikanong  cardmembers ang nawalan ng AMEX Privileges; at marami ring Australyanong naapektuhan sa pagkawala nito. Kasi umaasa ang marami sa mga tie-up partnerships para lang magkaroon ng AMEX.

Sa Australia, may mga AMEXCO-issued cards; iba pa ang bank-issued AMEX cards. Sa Pilipinas kasi, dati 100% iniisyu ng AMEXCO Philippines ang AMEX cards; pero nabago ito nang simula makipag-partner sa Equitable Cards and BDO. Despite BDO-issued, our AMEXCO cards are still treated as AMEX issued cards (in technical sense). Mahirap din lalo kung matigil ang AXP-BDO partnership kasi tayo rin apektado.

Hindi raw kasi madali makakuha ng AXP.

Sa first BDO CC application, kung mapagbiigyan man, piling-pili sa AMEX. Better to apply "BDO" branded cards than AMEX kasi ang chances of approval, malabo lalo kung hindi matagal ang credit history mo. Like kay @Kwiker, tatlong declined sa AMEX pero sa MC/VISA, approved agad.

Siyempre, mas mainam pa rin, ang AMEX kaysa MC/Visa

Pinagkunan: Usapan mula sa American Express & Diners Club Cardmembers' Thread II

Strong7Power

OPINION: Why AMEX tag as privilege or prestige bank card?

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. Its not available everywhere credit cards are accepted. They must have a BDO terminal. 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 terminals 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.

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 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.

---
Usapan mula sa American Express & Diners Club Cardmembers' Thread II

***
FIG: Sponsorship Presence

Strong7Power

What is Branch Endorsement? How?

PROGRAMANG PAG-EENDORSO MULA SA SANGAY AT PRIBADONG PAGBABANGKO
BRANCH & PRIVATE BANKING ENDORSEMENT PROGRAM

Ang endorsement program o programang pag-eendorso ay isang pamamaraan na espesyal na mula sa sangay o yunit ng bangko para may higher chance of approval at para mapadali ang proseso o hindi na dadaan pa sa maraming tanggapan o kagawaran ng Consumer Lending Group. Ito man ay Personal Loan, Credit Card o Increase in Credit Limit (ICL).

Ang pag-eendorso ay nakabase karaniwan sa balanse ng CASA, Placements, Loans/Credit Facility, Investment Products at iba pa o sa madaling salita, ang Total Relationship Balance (TRB o Ugnayang Buong Balanse) at tenure of banking relationship (tagal ng panahon na pagbabangko). Bawat sangay ng bangko, iba-iba ang kahingian o requirement bago ka maendorso. Kasama rin ang Consumer Risk Rating, Placement Code, at Product Mix Ratio sa pagsusuri ng pag-endorso.

Sa tenure ng CASA, kalimitang anim na buwan ang iyong CASA ay pwede na magpaendorso. Pero may pailan-ilan na isang buwan pa lang mahigit e, pwede na magpaendorso. Meron ding iba, isang taon bago ka iendorso.

Kahit hindi mo branch of account, pwede basta mapapayag mong iendorso ka ng naturang sangay. Hindi lahat ng sangay ay alam ito.

Kahit hindi BDO Depositor, pwede rin magpaendorso lalo kung ikaw ay kliyente ng BDO sa ibang bagay. Pwede ring hindi Bank Client pero bihira ito igawad at karaniwang branch manager na mismo ang nag-eendorso rito. Ito ay kung lagi kang nakikita o pumupunta sa naturang sangay o sa madaling salita, may mahalagang ugnayan ka na sa mga bangkero sa naturang sangay. Ito ay kung nakikipagkaibigan ka na sa mga bangkero.

Minimum Applicant Criteria for Personal Loan & Credit Card:

a. 21-70 years old

b. Must be a Filipino citizen. If Foreign, provide documentation requirements such as valid Passport with resident VISA or work permit and valid VISA

c. Must be a regular employee or must have an existing business for two years.

d. Minimum gross income of at least P120,000.

e. Must have Landline contact number.

f. Residence or Office address miust be within BDO serviceable area.

g. Must be in good credit standing.

REQUIRED SIGNATORIES

-Branch: Branch Head and Area Head OR Branch Head with rank of AVP and up

-Private Bank, Trust Group, and other departments and subsidiaries of BDO:  Unit Head and Department Head OR Unit Head with rank of AVP and up

-For BDO Platinum MasterCard, (A) the CASA is at least 6 months or for Loan Clients, must be one year; (B) Individual accounts ONLY – Single ownership, No Corporate Accounts; (C) [1] For Branch Banking Clients, must have a TRB of CASA, TD, & Trust of at least 1Million in last 6 months; [2] For Private Banking Clients, at least 5M combined products of Deposits, Cash & Money Market Products, Fixed Income Products, Equity & Securities Products, Derivatives, Off - Shore Funds, and Trust Products; (D) Accounts/Investments MUST not under HOLD-OUT.

Minimum Criteria for ICL:

-Requirements may vary per branch. Mas mainam kapag may substance amount ang TRB ng mga BDO Accounts (Deposits/Investments).

Card Delivery:

All approved cards under endorsement program shall be delivered to the applicant’s billing address.

Endorsement’s evaluation will based on Customer Risk Rating, Placement Code, and Product Mix Ratio.

Kapag endorsement, karamihan ng applications ay hindi makikita sa Online Quick Inquiry.

HINDI po 100% Approved ang ENDORSEMENT PROGRAM. May nade-decline pa rin. Gayunpaman, umaasa tayong maa-approve sa programang pag-eendorso.

FIG: DCI Campaign

Strong7Power

What do I need to know more about BDO Cards?

SUPPLEMENTARY CARDS

As a PRINCIPAL Cardholder in good standing, you may apply for up to six (6) SUPPLEMENTARY Cards* for immediate family members (parents, siblings, spouse, and children, 13 years old and above), with the sub-limit feature, you can manage your SUPPLEMENTARY Cards expenses by simply assigning a specific credit limit amount for each of the SUPPLEMENTARY Cardholders. As a PRINCIPAL Cardholder, you shall be liable for all purchases and cash advances made, including all interests and charges incurred through the use of the SUPPLEMENTARY Cards.

* For World Elite Mastercard, you may apply for up to four (4) Supplementary Cards.

CARD VALIDITY AND RENEWAL

Unless terminated or canceled prior to expiry date, your Card is valid from the issue date up to the last calendar day of the month indicated on the face of your Card. Renewal of the Card will be at the sole discretion of BDO. If the Card is not renewed, BDO may demand full payment of any outstanding credit availment.

STATEMENT DATE

This is the regular statement cut-off date of all your BDO Credit Card transactions. If your statement date falls on a Friday, Saturday or a National holiday, your statement date will be the preceding day or the following day after your official statement date.

 STATEMENT OF ACCOUNT FOR DUAL CURRENCY CARDS

You will get two separate statement of acounts. All your local transactions will be billed in Philippine Pesos, while your international transactions will be billed in US Dollars*. For your Dollar billing, you have the option to pay the exact amount in US Dollars or pay in Pesos using the exchange rate at the time of payment.

* Choose US Dollars or the local currency when transacting overseas or on-line in order to be billed in US Dollars.

PAYMENT DUE DATE

Payment should be made on or before the Payment Due Date indicated in your SOA to keep your account active and to avoid late payment charges. If your Payment Due Date falls on a Saturday, Sunday or a National Holiday, payment due date is automatically moved to the next business day.

MINIMUM PAYMENT

This is the minimum amount that must be paid on or before Payment Due Date. This is the sum of the following: (a) 3% of your Outstanding Balance less Installment Amortizations and new transactions posted within the current statement period, or P200, whichever is higher; (b) 3% of Installment Amortization; (c) Overdue Amount; (d) Over-Limit Amount. In case of default, BDO may demand payment of the obligation in full.

FINANCE CHARGE

If you choose to pay your Outstanding Balance in full on or before the Payment Due Date, no finance charge will be imposed. However, if you choose to pay only the Minimum Payment Due or any amount less than the Outstanding Balance on or before the Payment Due Date, you will be treated as a borrower or a “revolver”. Hence, a finance charge* will be imposed on the outstanding balance stated in your previous SOA and on all new transactions posted within the statement period computed from the transaction date until the current statement date. Outstanding balance is the statement balance as of cut-off date inclusive of previous unpaid balance, new retail purchases, cash advances, charges and fees.

*Monthly Interest Rates are reflected in the Fees and Charges flyer inserted in your SOA and can be viewed in the BDO  Credit Cards webpage.

CREDIT LIMIT

Your Credit Limit is the maximum outstanding balance that you and your SUPPLEMENTARY Cardholders, if any, can maintain at any given time. Each Principal Card has its own assigned Credit Limit. Please keep your outstanding balance within your assigned Credit Limit. BDO reserves the right to approve or disapprove any purchase or advance that exceeds your Credit Limit. Any amount in excess of the assigned Credit Limit becomes due for payment immediately.

FEES/OTHER DEBITS

BDO-initiated Fees may be charged to your account from time to time. This portion may include: Annual Membership Fee, Cash Advance Fee, Lost Card Replacement Fee, Returned Check Fee, a fee for closed accounts and/or accounts with insufficient funds under an Auto-Debit Arrangement (ADA) facility, if applicable, and other applicable fees. Such fees may be revised from time to time.

ADDRESS/DATA CHANGE

Any change in your address (Post Office Box address not accepted), telephone/mobile number and other data must be immediately relayed to BDO by calling the BDO Customer Contact Center at 631-8000. In the event that the Cardholder’s chosen mailing address is not accessible through mail or courier delivery, BDO shall have the option to use the other addresses provided by the Cardholder, if any. Until BDO is notified of such change, it will continue to use the current Cardholder’s address/contact number/data on file.

LOST OR STOLEN CARD

When your Card gets lost or stolen, please report it immediately by calling the BDO Customer Contact Center at 631-8000. The Lost Card Protection (LCP) feature frees you from any liability when your card gets used fraudulently. However, coverage under the LCP begins from the time the loss or theft is reported to the BDO Customer Contact Center. In such an event, your card will be permanently blocked and a card replacement fee will be charged to your account, if applicable.

ERRORS OR QUESTIONS ABOUT YOUR BILL

Please examine your SOA for any errors. If no error is reported to the BDO Customer Contact Center within 30 days from Statement Date, the SOA will be considered true and accurate and binding upon you.

FOREIGN EXCHANGE CONVERSION RATE

Assessment fee of 1% plus service fee of 1.5% of the converted amount will be billed to your account based on the prevailing foreign exchange rate of Mastercard/Visa/JCB/UnionPay/Diners Club International and BDO respectively at the time of the posting. The service fee may be imposed at the sole discretion of BDO and may be subject to change.

For foreign charges converted using the prevailing foreign exchange rate of American Express at the time of posting, a conversion factor of 2.5% will be applied to the converted amount, of which 1% is retained by American Express. Any charges converted by third parties prior to being submitted to us have been at rates selected by them.

USE OF THE CARD

Use of the Card is subject to the Terms and Conditions Governing the Issuance and Use of BDO Credit Cards as inserted in your Welcome Pack, and as may be amended by BDO from time to time. In case of conflict between the provisions of these reminders and said Terms and Conditions, the latter shall prevail.

It is understood that by signing at the back of the Card and/or your use of the Card, even if you have not signed any Application Form, you shall be bound by and deemed to have agreed to the Terms and Conditions Governing the Issuance and Use of BDO Credit Cards and the provisions of this reminder and you shall be liable for any and all applicable charges and fees arising from the use of the Card.

Fig.: AMEX MOBILE