Forum Topic

*Credit Card 101

  • @sem_rs

    You saw it on your transactions list right away? In my case, it is odd that I got an email and SMS weeks ago that it was waived, though it hasn’t shown up in my transactions list yet.
  • nagpa sched ako callback kay bpi. waley
    meron ba nakagpa waive ng annual fee ka bpi?
    hindi ko napansin nabilled na.

    Dati nagpapawaive ako via email
  • nung nag pa waive ako non malayo pa due date ko non at pansin ko credit limit ko hindi balanse sa transaction at may diff na 1550 so tawag na ako agad for reversal ayun qualified naman daw ako at na reverse naman after 4 days wag mo lang paabutin ng due date agad at mabibilled yan sa statement. kung mangyari naman yan, need mo bayaran mo muna at irereverse nila yan sa next billing kung nag pa request ka ng waive

    -- edited by andoksus on Jul 16 2020, 09:05 AM
  • After 3 banking days po lumabas yun reversal.
  • nagpa sched ako callback kay bpi. waley
    meron ba nakagpa waive ng annual fee ka bpi?
    hindi ko napansin nabilled na.


    Just had my annual fee waived a week ago. Tawag lang ako sa CS to ask them to waive it, wala pang one minute, payag na sila. Nag-apply ung reversal sa account around 2-3 days later.
  • Post deleted #12315648
  • okay na mga sir. <3
    nakapag waive na ako
    alam ko kasi mahirap tumawag sa bpi eh
  • guys ask lang ano pede ikaso sa bank if they ask you to apply for cc with lifetime free annual fee as advertise nila tapos after a year may annual fee ka na charge pinawaive ko disapprove daw sabi ko nag advertise kayo na lifetime free annual fee tapos ngayon ichacharge nyo ako ng annual fee..

    bank - metrobank


    ^
    i'm pretty sure meron sa fine print yan na parang 'Terms subject to change without prior notice...' or 'The bank reserves the right to cancel promotion...' etc
    may legal team ang mga banks, i'm pretty sure napaghandaan nila yang mga ganyang bagay

    in any case, are you seriously considering filing a case against a bank because of annual fee? baka hindi lang 20 times ng annual fee mo magastos mo dun, hindi pa kasama yung hassle


    Kakasuhan mo talaga yung bank? Palaliman kayo ng bulsa? Hehe. Pacancel mo na lang and lipat ka. Daming ibang banks diyan na may free for life na cards.


    well kung hindi ko na lang bayaran?

    IPA-TULFO ko kaya!!! :)
  • dapat yta nacharge na bago mo ipawaive.
  • well kung hindi ko na lang bayaran?

    IPA-TULFO ko kaya!!! :)


    alin ang hindi mo babayaran, balanse ng card? Wag gawing dahilan na hindi na waive ang annual fee mababaw yun. Don't justify it dahil lang dun.
    Tsaka natawa ako sa ipapa Tulfo mo.
  • Wag gawing dahilan na hindi na waive ang annual fee mababaw yun. Don't justify it dahil lang dun.


    but that was a fraud diba! they advertise that lifetime no annual fee then mag cha-charge sila sakin and it was not a small amount na 100petot lng pede ng pagbigyan.
  • Daming ibang banks diyan na may free for life na cards.


    well ayoko ng magtiwala sa ganyan meron pa nmn ako BPI CC Master card wala ako prob sa BPI once i notice may annual fee pinapawaive ko and not even for once na nadecline ako coz i paid my bills on time. bwisit lng talaga metrobank they advertise of a free annual fee lifetime tapos after 2 mos. may charge na...i think i have a fraud case against them kasi i kept yung ads nila and yung finilupan ko. kaso problem how can i win a case with a huge bank kaya balak ko talaga i media na lang or worst i would not pay it na lang wala namn ako balak mag loan sa bank.
  • nagapply din ako online sa kanilang(mbtc) free lifetime annual pero hindi pa dumadating bago pa mag quarantine period. noon una madali lang magpa waive pero lately may spending condition na.
  • but that was a fraud diba! they advertise that lifetime no annual fee then mag cha-charge sila sakin and it was not a small amount na 100petot lng pede ng pagbigyan.

    Read the fine print bro
  • Post deleted #12315776
  • <click here for link>

    sakin kasi yung cc ko ng mbtc for grocery lng dahil maliit lng yung limit na inapply ko kasi meron na akong BPI gold i use in purchasing appliances with 0% interest and BPI petron for gas kasi may rebates sya.

    once they said free annual fee diba bapat free annual fee...
  • nagpa sched ako callback kay bpi. waley
    meron ba nakagpa waive ng annual fee ka bpi?
    hindi ko napansin nabilled na.


    ako tinatawag ko lang, although ang hirap tumawag sa kanila madali naman kausap bilis nila mag waive and i dont think na meron silang any condition kaso request lang ako ng waive after 3 banking days na waive na annual fee ko.
  • Read the fine print bro


    Tama. Usually ung fine print andyan na yan simula pa lang nung nag-sign up ka sa card. Kung nakasulat don na dapat gumastos ka ng xxx amount within xxx months para ma-avail ung free annual, talo ka na kaagad dyan kung pagpipilitan mo.

    Di kasalanan ng bangko that you did not exercise due diligence (i.e magbasa ng fine print) bago ka nag sign up sa kanila.

    Also based sa observations ko nung malapit pa office namin sa ABC-5 (nung nasa kanila pa ung Tulfo show), di papansinin ng mga Tulfo yan. Mas pipiliin pa nila yung ibang cases na magbibigay ng more attention to them rather than something na napasubo ka dahil hindi ka nag-basa ng lahat ng stipulations sa pag-apply mo sa CC mo.
  • nagpa sched ako callback kay bpi. waley
    meron ba nakagpa waive ng annual fee ka bpi?
    hindi ko napansin nabilled na.


    Sa akin, nakita ko na-bill na, called them up the next day. Had it waived with no questions asked.
    Lumabas ung waived account around 2 banking days after ko tumawag.
  • Meron po ba dito nagpaparide sa cc? Thanks
  • Meron po ba dito nagpaparide sa cc? Thanks


    Hanap ka na lang ng family or friend na willing.

    Kung wala, pag-ipunan na lang ung balak bilhin.
  • Okay lang siguro kun immediate family ang.makigamit pero kun ibang tao mahirap na baka takbuhan nya ang utang o rideaway.
  • My annual fee ng east west card ko naiwaive na. After 6k stipend
  • May nakatawag na ba sa BPI ngayon pandemias? Parang mga emergency issues lang ientertain nila sa ngayun dun sa 8-89-10000.

    Nag charge na naman sakin ng card usage fee yun EDGE bpi ko 110 peso. Di ko na nga ginagamit, willing nako ipaputol ayaw padin nila. Haha.

    Nagemail nalang ako, dipa lang nasagot. 400K credit limits
  • Post deleted #12316596
  • paano mag pa waive ng annual fee BPI kaso ok lang kaya yun kahit may balance pa ako
  • May matagal na ba dito using RCBC CC? Mag 6 months na ko and plano ko mag pa increase ng limit. Possible kaya? Thanks
  • paano mag pa waive ng annual fee BPI kaso ok lang kaya yun kahit may balance pa ako


    Kung installment yan at mahaba haba pa bago matapos, mahirapan ka malamang. Pero kung small amount at willing ka bayaran in full kapalit ng magic word, medyo may pagasa ma waive.
  • May nakatawag na ba sa BPI ngayon pandemias? Parang mga emergency issues lang ientertain nila sa ngayun dun sa 8-89-10000.


    afaik, nag eentertain na sila ng non emergency calls though at times there are queuing sa 8-8910000 hotline nila. If you happen to be BPI preferred client, mas madali makatawag with their separate hotline for it.
  • ^

    kaka pa reverse ko lang ng annual fee sa BPI, tawag lang kayo between 8am to 5pm para may makausap kayo.

    mabilis lang naman in my experience.