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BPI Express Credit & Family Cards (Sinulid 6) | FAQ p.1 πŸ˜‰ #889-10000

ehleesyanehleesyan PEx Moderator

WELCOME TO THREAD VI

Credit Card Line-up as of 2019


Old BPI Cards Threads
I,II: BPI Card (Sinulid 1 & 2)
III: BPI Cards (Sinulid 3)
IV: BPI Cards (Sinulid 4)
V: BPI Cards (Sinulid 5)

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  • ehleesyanehleesyan PEx Moderator
    edited October 11
    [Slot 1]
    Comment Slot Reserved ...

    PM me if you want to post something important here.

    OFFICIAL COMMUNICATION:
    Landline: 889-10000
    Local DTF: 1-800-188-89100 (PLDT)
    Text: [ASK (space) Your Complete Name (space) details of your inquiry/request] to 0917-8910000
    Location: BPI Buendia Center, Sen. Gil Puyat Avenue, Makati City 1209









  • ehleesyanehleesyan PEx Moderator
    edited August 29

    To check available Bonus Madness Limit:

    Globe users > text BALCC <16-digit credit card number> to 2274

    Smart users > text BALCC <16-digit credit card number> to 09178910000

  • ehleesyanehleesyan PEx Moderator
    edited September 11


    1. How can I find out the status of my credit card application?

    Via Online Banking. For registered Online Banking users, Log in to your account and click Other Services > Application Status Inquiry > Credit Card.
    Not yet enrolled? Enroll now!

    Via Phone Banking. Call our 24-hour hotline, Phone Banking. Click here for more details.

    Dial option 2 for Credit Cards and 2 for Credit Card Application Status Inquiry. Enter your 10-digit application ID number to know your application status via phone.

    2. How can I check my credit card account balance?

    You may check your balance in 2 ways:

    Via Online Banking. For registered Online Banking users, Log in to your account, click here.
    Not yet enrolled? Enroll now!

    Via Phone Banking. Call our 24-hour hotline, Phone Banking. Click here for more details.
    Dial option 2 for Credit Cards and option 1 for Balance Inquiry. Enter your 16-digit card number to know your balance via phone.

    3. How can I learn about fees?

    You can learn about fees by browsing our FAQs, click here.

    4. How do I compute for Interest Charges?

    Interest charges on regular purchases is computed by multiplying the applicable finance charge rate depending on the card type with the average daily balance (ADB).

      The ADB is determined as follows:

         a. Multiply the previous statement balance with the number of days that the amount is outstanding or
             unchanged.

         b. Whenever there is payment, deduct the payment from the statement balance and multiply with the
             number of days from the payment date until the next statement date or statement date.

         c. Sum up the balances computed and divided with the number of days from the previous to the current
             statement to arrive at the ADB.

    *Excluding BPI Family Credit Card

    Interest charges on Special Installment is computed by multiplying the total amount availed by the applicable interest rate, depending on the term. Monthly payment shall first be applied to interest then to the principal using the diminishing balance method.

    5.  How can I avail of Cash Advance?

    For new and replacement cards, Cash Advance PIN will be sent through the PIN Mailer after the card is delivered.

    For existing Cardholders, they can request by calling BPI Phone Banking at (02) 89-100 (Metro Manila) or domestic toll free 1-800-188-89100 (available to PLDT subscribers).

    Note that Cash Advance is subject to a fee of 3% of the cash advance amount or P500, whichever is higher.

    6. What are the available payment channels to pay for my BPI credit card?

    1. Payments can be made at any BPI or BPI Family Savings Bank Branch. For check payments, please make checks payable to BPI, followed by your Customer Number found in your statement of account.

    Example: Pay to the order of BPI, 020100-xxxxxxxxxx

    2. If you are a BPI or BPI Family Savings Bank depositor, simply enroll at your branch of account to pay through any of the following channels:

         a. BPI or BPI Family Savings Bank ATMs

         b. BPI Phone Banking 89-100

         c. BPI Online Banking at www.bpiexpressonline.com

         d. BPI Mobile Banking

         e. Auto-Debit Arrangement

    3. Cash payments for your BPI Credit Card are also accepted at the following payment channels nationwide:

         a. SM Bills Payment Counters (SM Department Stores, SM Supermarkets, SM Hypermarkets, and
             Savemore)

         b. ECPay Merchant Partners (7-Eleven, Metro Gaisano, Shopwise, NCCC and LCC Malls, select
             Tambunting Pawnshops, and more)

         c. Bayad Center Stores and Bayad Center Merchant Partners

    During payment, indicate your customer number or 16-digit card number in the payment slip.

    7. If I made a payment today, when will it be posted?

    Via Branch Over-the-counter.
    For cash payments, payment posting is on the next banking day.

    For local check payments, payment posting will be after the third banking provided check payment was done before clearing cut-off.

    *Note that clearing date may vary depending on the type of check, whether local or regional.

    Via Phone Banking/Online Banking.
    For payments done during banking days before 10:00 PM, these will be considered as same day transactions and will be posted on the next banking day.

    For transactions done between 10:00 PM and 12:00 AM, on weekends, and holidays, these will be considered as next banking day transactions.

    For payments made on the following channels, posting date will be after (3) banking days:

         a. SM Bills Payment Counters

         b. ECPay Merchant Partners

         c. Bayad Center Stores and Bayad Center Merchant Partners

    8. Can I pay my statement balance on or before my cut off/cycle period?

    No. To avoid possible finance charges or penalties, clients are highly encouraged to pay on or before the their due dates.

    9. How do I redeem my Real Thrills rewards points?

    Via Phone Banking. Call our 24-hour hotline, Phone Banking.
    Dial option 2 for Credit Cards.

    Via Fax. Send the form to 845-5738 (Routing Code: 20387)

    10. What items can I redeem?

    For the list of items you can redeem, click here.

    11. How do I request for a credit limit increase?

    You can request for a credit limit increase in 2 ways:

    Via Online Banking. For registered Online Banking users, Log in to your account, click Other Services > Credit Card Services > Increase in Credit Limit.  Click here to log in to your account.
    Not yet enrolled? Enroll now!

    Via Phone Banking. Call our 24-hour hotline, Phone Banking. Click here for more details . Dial option 2 for Credit Cards.

    12. Should I surrender my card in exchange of a new card/ card conversion or cancellation?

    BPI will never ask/require you to surrender your card. Should you receive such calls or letters, always call 89-100 or e-mail us at [email protected] immediately for verification.

    13. When using my BPI Credit Card abroad (Taiwan, Japan, Canada) and they use Chip readers, will I need to know a PIN? Or does BPI Credit Cards only support Chip and Sign?

    Currently, BPI Credit Cards only support Chip and Sign.

    When transacting in a country that has a high issuance of chip and pin cards (eg. Europe, Australia, Singapore, Japan, Korea, and other Asian countries) your BPI card will still be accepted as the POS terminal will be able to identify that the card you presented (Philippines issued card, not a PIN enabled country) would need a signature instead of a pin.

    14. What is Mastercard contactless?

    Mastercard contactless use radio-frequency for making secure payments. This technology enables transactions to be made by holding the card against a radio-frequency (RF) equipped reader terminal. You can tell if a card is Contactless enabled if you see the logo below.

    15. How does a Mastercard contactless card work?

    Simply tap the contactless card against an applicable Mastercard contactless Point-of-Sale (POS) terminal. The purchase will then be authorized, processed, and billed in the same secure way as other transactions. No swiping, inserting, or signature is required for transactions not exceeding two thousand Philippine pesos (Php2,000). For transactions exceeding two thousand Philippine pesos (Php2,000), just tap the card and sign the charge slip.

    16. What are the benefits of Mastercard contactless transactions?

    • Fast β€“ Mastercard contactless transactions eliminate the signature requirement for small purchases, thereby speeding cashier check-out.
    • Safe β€“ You don’t have to surrender your card for tap transactions.
    • Wide-range of merchants β€“ You can use your Mastercard contactless card in merchants where tap transactions are accepted such as cinemas, fast food chains, and even convenience stores.


    17. Are Mastercard contactless Credit Cards safe to use?

    Yes. Your BPI Mastercard contactless card can now stay with you when paying, hence, limiting fraud and unauthorized use.

    18. Which credit cards are embedded with the Mastercard contactless technology?

    Currently, only the BPI Blue Mastercard, BPI Family Credit Card, and BPI SkyMiles Regular Mastercard Credit Card are embedded with the Mastercard contactless technology.

    19. How can you avail of the new BPI Mastercard contactless?

    All new, replacement and renewal cards will automatically be the new BPI Mastercard contactless Credit Card.

    20. What if I want my card to be contactless? How do I request for it?

    You may request for a card replacement, but will be subject to card replacement fee of P400.

    21. Where can you tap your contactless credit cards?

    BPI Mastercard contactless credit cards are accepted across selected branches of different merchant categories.

    Just look for the Mastercard contactless logo and inform the cashier that you would like to pay using your BPI Mastercard contactless, tap the card, and transaction is done.


    22. How do I report a lost card and request for a replacement card?

    Immediately contact BPI Phone Banking at (02) 89-100 (Metro Manila) or domestic toll-free 1-800-188-89100 (Outside Metro Manila) to report a lost card and request for a replacement card.


  • ehleesyanehleesyan PEx Moderator
    edited October 13
    STARTING CREDIT LIMIT
    • BPI Family Savings Credit Card β€” β‚±
    • BPI Edge Mastercard β€” β‚±
    • BPI Blue Mastercard β€” β‚±9,000*
    • BPI Gold Mastercard β€” β‚±75,000 (Hotline) | β‚±100,000 (Online)
    • BPI SkyMiles Mastercard β€” β‚±
    • BPI SkyMiles Platinum Mastercard β€” β‚±150,000
    • Petron-BPI Mastercard β€” β‚±15,000* (dmist24 - page 168)
    • BPI Amore Visa Classic β€” β‚±
    • BPI Amore Visa Platinum β€” β‚±
    • BPI Visa Signature Card β€” β‚±
    • BPI Family Savings Credit Card β€” β‚±



























  • wowowinwowowin Member PEx Influencer ⭐⭐⭐
    edited August 29
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  • freelancer_babefreelancer_babe Member PEx Influencer ⭐⭐⭐
    edited August 29
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  • AgentAssassin01AgentAssassin01 PEx Moderator
    edited August 29
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  • freelancer_babefreelancer_babe Member PEx Influencer ⭐⭐⭐
    edited August 29
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  • freelancer_babefreelancer_babe Member PEx Influencer ⭐⭐⭐
    edited August 29
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  • IronHandofJusticeIronHandofJustice Member PEx Guru πŸŽ–οΈπŸŽ–οΈ
    edited August 29
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  • cps_1998cps_1998 Member PEx Guru πŸŽ–οΈπŸŽ–οΈ
    edited August 29
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  • freelancer_babefreelancer_babe Member PEx Influencer ⭐⭐⭐
    edited August 29
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  • lanestolkerlanestolker PEx Influencer ⭐⭐⭐
    edited August 29
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  • cps_1998cps_1998 Member PEx Guru πŸŽ–οΈπŸŽ–οΈ
    edited August 29
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  • boyqboyq Member PEx Rookie ⭐
    edited August 29
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  • alienmanalienman Expert PEx Veteran ⭐⭐
    edited August 29
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  • IronHandofJusticeIronHandofJustice Member PEx Guru πŸŽ–οΈπŸŽ–οΈ
    edited August 29
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  • dredge008dredge008 Member PEx Expert πŸŽ–οΈ
    edited August 29
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  • freelancer_babefreelancer_babe Member PEx Influencer ⭐⭐⭐
    edited August 29
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  • freelancer_babefreelancer_babe Member PEx Influencer ⭐⭐⭐
    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.
    Nagka-fraud ang Security Bank card ko back in 2016. Hindi ako nagbayad and I wasn't asked to pay either by the bank. May process lang pero I appreciated how the bank handled my case - I felt they trusted me enough to believe that it wasn't my transaction, not to mention na mabilis ang response and detection ng fraud activity.
    Sana nga naman mag improve mga fraud detectiom for all other banks that issue CCs.

    Uso pa naman ang phishing, and usually kawawa pa naman ang taong nabiktima nito that other banks began blaming the victim for sharing the info. I admire banks that are sensitive to resolving this.

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