Forum Topic

*Credit Card 101

  • meron poba hindi pa napaplitan ng bpi emv atm yung old card nyo? diba hangang june nalang ang replacement?


    According to my RM at BPI, they have a staggered replacement schedule so it's possible that some people don't have a replacement EMV-enabled ATM card yet. Also, according to her their previous communications regarding deadlines were unclear. In fact I don't think there's any real "deadline" regardless what bank it is, despite what they say, because no bank can refuse to replace your old ATM card even if it's past whatever deadline they set. The main reason you have to get the EMV-enabled ATM (aside from better security) is at some date the old magnetic stripe-based ATM will no longer work. For example, for Landbank I think it's around November.

    -- edited by Peorth on Jun 19 2018, 01:08 AM
  • hindi pa siya nadala? haha

    kung Metrobank/HSBC/BPI/Citi/BDO dati niyang card, wag na siyang umasang makakakuha ulit siya sa isa sa limang yan

    kasi nagse-share ng records mga yan sa isa't isa


    hahaha. ewan ko ba dun. ex nya kasi gumamit kaya ayaw bayaran hahaha. what if kung mag apply sya ibang bank outside sa 5 power banks na yan like EW or AUB kaya? hahaha
  • ^
    sira na ang credit reputation nya. bayaran na lang nya yung utang nya para maibalik yung trust ng banks. hehehe
  • Also, according to her their previous communications regarding deadlines were unclear. In fact I don't think there's any real "deadline"

    May deadline naman ang BSP June 2018, to be compliant means na dapat by June available na for all their client yung emv, it does not necessarily mean that lahat ng client mo ay naka emv na kasi nga dapat personal mo sya kunin sa branch. May penalty kapag di nakacomply,
  • ^ What I'm referring to by "real deadline" is the deadline for getting the card from the bank, not the bank providing the EMV card to their clients. For example, our department secretary notified me that June is supposedly the deadline for getting the Landbank EMV card, which I haven't gotten because it's a pain to go to the issuing branch. Does it mean that if I go there in July the bank will no longer give the EMV card to me? That is of course, nonsense.
  • ^
    Like I said, deadline set by BSP for the availability ay june 2018, meaning pag pumunta ka sa branch ng July 1, kailangan may ibigay na sayo na EMV

    For the "real deadline" na sinasabi to get the card from the bank, wala naman talagang deadline, kahit after n years mo kunin pwede naman, Ang problema mo lang syempre, dahil di ka nagupgrade sa EMV di ka na makakawithdraw sa ATM
  • yan problema ng bpi kun tinanong mo kung meron na, tanong din ang isasagot "tinex ka naba". naka 2-3 balik nako sa branch nila puro tanong ang sagot, sayang oras.

    automatic ba na july 1, reject na ng mavhine ang lumang card?

    -- edited by sem_rs on Jun 19 2018, 09:30 AM