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ryanrudolf
on
20 Jun 17 @ 07:21 AM #
dito sa amin, ang gamit ko visa cashback.card, 1% cashback on all transactions. tas recently nagrelease sila bago, visa infinite cash back - 1% cashback on all transactions, 3% cashback on groceries, gas and utilities. ayun nag switch ako, same bank different CC product
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chavez_roel
on
20 Jun 17 @ 11:23 AM #
nakakainip until now di pa dumadating yung BPI card ko. pero nagappear na sya sa bpiexpressonline ko. hahahaysss
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HighWind
on
20 Jun 17 @ 01:18 PM #
Parang bumabawi BPI ngayon ha, tinaasan ng 25K CL ko lol.
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sledger17
on
20 Jun 17 @ 01:26 PM #
Pwede naba magpataas ng cl kahit last nov lang nakuha yung bpi cc?
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sem_rs
on
20 Jun 17 @ 03:14 PM #
dba yun fc ay lalabas kung kulang ang bayad mo sa due date. sa experience ko kasi kung sakto na ang bayad sa following due date wala nang lalabas na fc sa next billing.
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marutodoh
on
20 Jun 17 @ 05:54 PM #
hi ask ko lang citi rewards gamit ko.
12 of the month ang cut off ko. Nagpurchase ako last 06/08/2017 here in other country. Got my SOA pero d included dun ang na purchase ko. but when i check my citimobile app is un current balance ko included sya. Babayaran ko lang un kung ano ang nasa bill tama ba? then baka next cur off nila isama un? thanks!
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eric26
on
20 Jun 17 @ 06:18 PM #
^ Tama. kung ano lang nasa SOA mo yon lang babayaran mo. Most likely di nagpost yan before your cut off date kaya di sumama. Pabor sayo. may 1month kang utang na 0 interest. Yung citiapp will show you all your posted transactions kahit di pa kasama sa SOA.
dba yun fc ay lalabas kung kulang ang bayad mo sa due date. sa experience ko kasi kung sakto na ang bayad sa following due date wala nang lalabas na fc sa next billing.
Iba na ngayon sa Metrobank at citibank. You need to pay in full for TWO consecutive months para hindi ka magka FC. meaning kung may FC ka ng 1st month, sa 2nd month may FC ka pa rin kahit bayaran mo in full.
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marutodoh
on
20 Jun 17 @ 06:45 PM #
@eric26, Thanks!
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thonz
on
21 Jun 17 @ 09:59 AM #
All,
Pwede ba ipacancel yung CC, then isettle na lang monthly yung remaining credit?
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Valorian
on
21 Jun 17 @ 10:38 AM #
Pwede ba ipacancel yung CC, then isettle na lang monthly yung remaining credit?
bayad muna bago cancel..
kung available yung balance conversion sa account mo, avail mo yun
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thonz
on
21 Jun 17 @ 10:41 AM #
kung available yung balance conversion sa account mo, avail mo yun
paki explain sir.
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Valorian
on
21 Jun 17 @ 10:47 AM #
balance conversion = gagawing installment yung outstanding balance mo
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thonz
on
21 Jun 17 @ 11:21 AM #
Thanks sir ^
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blackcow2012
on
23 Jun 17 @ 12:24 AM #
@thonz
magkanong amount ba ang pinag-uusapan natin?
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senbonzekura
on
23 Jun 17 @ 03:30 PM #
nag request ako ng cash advance pin via phone call till now wala pa rin di pa din na ipapadala almost 2 weeks na ang nakalipas...mas madali ba kapag sa mismong bank ako pumunta...puwede ba sa mga atm machine maka request nun?
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romans1619
on
23 Jun 17 @ 07:53 PM #
doble ang ca charge kapag over the counter, nope pin cannot be requested sa atm machine. Antay mo na lang ung request mo baka bukas dumating na.
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senbonzekura
on
23 Jun 17 @ 09:05 PM #
^sana nga dumating na...gagamitin ko lang naman yung cash advance kapag talagang walang wala ahahaha
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viso
on
24 Jun 17 @ 06:55 AM #
@sem_rs
@eric26
I called again mbtc cc CS at confirmed nga na if you pay the minimum due or below the total amount due you will be charged FC for two consecutive months even if you pay in full on or before due date.
I was charge FC last month @Php1,252 paid the full amount before due date, may FC pa rin this month @Php414, medyo malaki din yan ha.
So if you're a MBTC cardholder take note of this and always pay the total amount due on or before due date to avoid FC.
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blackcow2012
on
24 Jun 17 @ 04:09 PM #
Is that legal???
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netshark
on
24 Jun 17 @ 04:20 PM #
there is a lengthy explanation at the back of the SOA explaining how finance charges are computed. usually complicated and mahirap maintindihan. "madaya" talaga CC pag dating diyan but that is how they make money. kaya hindi dapat talaga nagtitira ng utang sa CC. kung di kayang bayarang ng buong buo sa due date, wag na lang i-charge.
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tech_hero
on
24 Jun 17 @ 04:51 PM #
Sa mga BPI CC holders,
Pa waive nyo yung annual fees nyo this year. Sabihin nyo, aalis na kayo sa bank if hindi nila i-waive yan since na-hassle kamo kayo sa glitch na nangyari sa kanila.
Got my Annual fee waived. 2k++ din yun.
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eric26
on
24 Jun 17 @ 05:38 PM #
there is a lengthy explanation at the back of the SOA explaining how finance charges are computed. usually complicated and mahirap maintindihan. "madaya" talaga CC pag dating diyan but that is how they make money. kaya hindi dapat talaga nagtitira ng utang sa CC. kung di kayang bayarang ng buong buo sa due date, wag na lang i-charge.
Well madaya talaga sa laki ng interest. They'd be classified as loan sharks if they are not operating as CCs. However, this double FC brings the "daya" to a new level. Binayaran mo na FC eh, magbabayad ka ulit next month. Lalo na kung binayaran mo na lahat, may FC ka pa rin.
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sem_rs
on
24 Jun 17 @ 06:36 PM #
dapat sana kung nacorrect na yun payment tinatanggal na yun ganung extra charge, parang walang hustisya. sana maraming magreklamo.
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ninjababez
on
25 Jun 17 @ 01:19 AM #
dapat sana kung nacorrect na yun payment tinatanggal na yun ganung extra charge, parang walang hustisya. sana maraming magreklamo.
badtrip ito, kung matino ka nagbabayad tapos bigla ka macharge ng ganyan. halos ganyan nangyari sakin last year. overcharge fee eh ang laki pa ng available balance. na wawaive naman pero ang hassle tumawag sa kanila eh
ilan buwan ko din yun paulit ulit tinatawagan, tapos mangangako na di na daw ako macharge
-- edited by ninjababez on Jun 25 2017, 01:29 AM
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madquest22
on
25 Jun 17 @ 10:27 AM #
Kapag ba holiday yung due date ng CC mo at the next working day ka nagbayad may maiincur ka ba na late charge/s? BPI CC. Thanks
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sem_rs
on
25 Jun 17 @ 12:30 PM #
kun holiday ang due date, the preceding
office day ang due date.
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gen0
on
25 Jun 17 @ 02:29 PM #
onting OT. kakainin pala ng ATM yung cash pag di mo agad kinuha sa dispenser. learned it the hard way. routine ko kasi paglabas ng card naka-abang na wallet ko sa left hand then suksok agad ng atm card, same time it takes para lumabas yung cash. eh na-delay ako magpasok ng card sa wallet dahil bumara yung resibo ng isang cc ko. ayun binawi ng ATM yung dispensed cash.
my bank told me it'll take a minimum of 2-3 weeks to replenish my account.
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roceanoz
on
26 Jun 17 @ 11:07 AM #
Di naman daya yun. At madali lang syang intindihin. May free one month kasi ang bank. Di ba ang binili nyo pwdeng halos two months bago nyo need bayaran? Nagbibilang kasi kayo from due date na kung tutuusin ay one month na after the purchase. So if lagpas sa due date that's usually the second month already. Yung iba sa statement date nagkwekwenta. Basta intindihin nyo na may one month automatic waived interest tyo if we pay on time. If we don't pay in time, di na waived yung one month, plus the next month, hence two months. Kaya it pays to always pay your dues on time. Hope thi helps.
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viso
on
26 Jun 17 @ 07:14 PM #
^
I have both MB and EWB CCs pareho lang scenario nila, di ko nabayaran in full sa April, may Finance Charge sa MB and Interest Charge naman sa EWB sa May statement, paid both in full before due date, received the statement for June, may FC pa rin sa MB pero wala na IC sa EWB.
MB at Citi din daw ang may ganitong policy ( 2 consecutive months charges), don't know sa ibang bank like BDO, BPI, SB, etc..
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eric26
on
26 Jun 17 @ 08:43 PM #
^ Yes, hindi ganyan dati MB at Citi. As I posted their notification before, sept 2016 lang yan nagsimula yang 2 consecutive months may FC. HSBC ko di pa rin ganyan. 1 month lang FC, if you paid in full after that, wala ng 2nd FC (unlike MB and citi).