AXP American Express & DCI Diners Club International Cards (Sinulid 3) | FAQ p.1-4 💳
Strong7Power
Member PEx Moderator
MALIGAYANG PAGDATING SA IKATLONG SINULID NG TALAKAYAN NG AMERICAN EXPRESS, DINERS CLUB INTERNATIONAL kasama ang DISCOVER CARDS.
Welcome to the THIRD Cardmembers' Discussion Thread ofAMERICAN EXPRESS COMPANY (AXP) and DINERS CLUB INTERNATIONAL (DCI), with DISCOVER CARDS.
Don't live life without it. BELONG.
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AMEX INCENTIVO. Check it out: Incentivo 2021
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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)
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
https://www.dinersclub.com/assets/images/acceptance/acceptance-map.png
Use your card with confidence knowing it’s welcome across the globe.
American Express is the only company with a strong, global presence across the entire payments chain.
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.
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.
MEMBERSHIP REWARDS
AMERICAN EXPRESS SELECTS
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.
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.
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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.
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
1950: DINERS CLUB BECOMES 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.
>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.
1960s
1970s
1974: FIVE OUT OF EVERY SIX CREDIT CARD-CARRYING TOURISTS ENTERING THE UNITED STATES HAVE A DINERS CLUB CARD
1980s
1990s
2000s
2000: DINERS CLUB INTERNATIONAL RELEASES THE SUPER PREMIUM BLACK CARD.
Other moments in history:
2010s
2012: DINERS CLUB INTERNATIONAL LAUNCHES ITS PRESENCE ON SOCIAL MEDIA.
EARN AIRLINE MILES
FREE TRAVEL INSURANCE
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.
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Fig.: AXP CENTURION MARK
FIG: “Centurion” mark, before and after.
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
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.
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Usapan mula sa American Express & Diners Club Cardmembers' Thread II
FIG: Sponsorship Presence
PROGRAMANG PAG-EENDORSO MULA SA SANGAY AT PRIBADONG PAGBABANGKO
BRANCH & PRIVATE BANKING ENDORSEMENT PROGRAM
HINDI po 100% Approved ang ENDORSEMENT PROGRAM. May nade-decline pa rin. Gayunpaman, umaasa tayong maa-approve sa programang pag-eendorso.
FIG: DCI Campaign
What do I need to know more about BDO Cards?
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