Forum Topic

*Credit Card 101

  • Sa BPI Card Activation, ano turn around time pag text mo dun sa BPIACT to 225689?
  • paano mag pa waive ng annual fee BPI kaso ok lang kaya yun kahit may balance pa ako


    Kung installment yan, pero binabayaran mo naman in full ung monthly, usually papayagan rin nila since pinapakita mo good payer ka.

    Pero if puro minimum balance lang kaya mong bayaran, baka di sila willing.
  • Sino po sa inyo nakapag pa balance transfer from Citibank to BPI (Debit Account). Yung Citi ko kasi laki nang -negative due to airlines refund. Sabi nang CS 10days turnaround time pero lagpas na di paden na cceredit sa BPI ko. Matagal ba talaga yun?. Tia!.
  • tanong lang po meron nb nkapag try sa inyo mag purchase na newegg using BPI CC nag dedecline kasi ung sakin tnx
  • Sa BPI Card Activation, ano turn around time pag text mo dun sa BPIACT to 225689?
    within 24-72 hours lang AFAIK bro
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  • good pm mga idol, ayaw na po ba mag add money sa paymaya through mastercard? nag eerror kasi, jcb lang daw.
  • Add money error you can still add money using jcb card and through bank transfers via instapay
  • tanong lang po meron nb nkapag try sa inyo mag purchase na newegg using BPI CC nag dedecline kasi ung sakin tnx


    i already did hindi nag decline yung card ko also tried with amazon ok nmn..

    OT question.

    ask ko lang diretso ba sa shipping address ko yung items na binili ko sa amazon and newegg?

    Thanks,
  • ^afaik, unless naka special shipping arrangement ka with seller through the likes of DHL lang door to door yan. Otherwise, standard shipping sa post office landing ng parcel mo doon mo pickupin. Less than 10k is non taxable but you have to pay flat rate P100+ fee. You can inquire / track your package through PHLPOST website <click here for link> .
  • ask ko lang diretso ba sa shipping address ko yung items na binili ko sa amazon and newegg?


    last time bumili ako sa amazon, early this year before ECQ, diretso sa doorsteps ko yung item (less than 10k)
  • kakabili ko lang sa newegg tinanggap naman ung bpi card ko
    at direcho sa bahay namin delivery
  • Question lang regarding pending transactions.

    May isa kasi akong transaction na nakapending since july 28. Tapos by july 31 nacancel ung order ko so most likely mga ilang days pa sya bago uli mawala sa card ko. Eh ang statement date ko is 1st of the month pero pending pa rin yung transaction. Ask ko lang if sinasama ba yun pending transaction sa billing statement for next month? And if so, pano kaya yung diskarte ng bayaran neto? Since cancelled un order ko, alam ko naman irerefund yun. Need ko ba na ideduct nalang yun sa babayaran ko next month. Wala bang ma incur na finance charge+interest sakin? Or bayaran ko nalang ng buo (knowing na may marerefund sakin magiging negative yung balance ko so parang "forced" ako to spend that) thank you sirs!
  • Hintayin mo yung statement of account tapos kung ano nakalagay doon na amount due, yon bayaran mo
  • Pansin ko lang medyo paiba iba yung statement dates ko? Mostly 9 yung statement date pero may Ilan na 10 or 12. Anong meaning nun? Same Lang ba Yung statement date sa cut-off date? Using BPI btw.
  • Paiba iba talaga sa bpi. Sa ibang banks naman fixed lagi.
  • Hirap naman nun. haha
    May balak kasi akong bilhin saka gusto ko maka sure na sa sunod na billing cycle na. Kaso yun nga paiba iba kasi ng dates sa BPI kaya di ako maka sure. lol
  • Hirap naman nun. haha
    May balak kasi akong bilhin saka gusto ko maka sure na sa sunod na billing cycle na. Kaso yun nga paiba iba kasi ng dates sa BPI kaya di ako maka sure. lol
  • to be sure always check sa bpi online kung nakagenerate ng statement. sigurado yun transaction after ng date, next billing na due date.
  • Mostly 9 yung statement date pero may Ilan na 10 or 12. Anong meaning nun? Same Lang ba Yung statement date sa cut-off date? Using BPI btw.


    If your usual cut-off (9th) falls on a Sunday, expect mo na following day na ang cut-off mo. Not sure bakit umaabit sayo til 12th
  • cutoff date is the day statement is printed( imho it is automatic even if its a holiday).
    due date is the last day to pay your amount due without penalty and interest i think a holiday can be an excuse for late payment.

    transactions after cutoff date will be posted the next printing date.

    -- edited by sem_rs on Aug 10 2020, 12:20 PM
  • May nagbabayad ba dito ng citi card from bpi online? Gaano katagal ung posting? Nalito na ko eh. Pagtawag ko ang sabi nung agent 2-3 banking days, pero nung chineck ko sa website nila 1 business day lang.
  • minsan 1 day pasok agad depende yan eh basta screen shot mo lang yung payment mo if ever mag ka prob sa posting

    ako sa bpi pag kalabas nalang ng statement sa bpi app bayad ko na para sure
  • May nagbabayad ba dito ng citi card from bpi online? Gaano katagal ung posting? Nalito na ko eh. Pagtawag ko ang sabi nung agent 2-3 banking days, pero nung chineck ko sa website nila 1 business day lang.


    jjimmet

    anung araw ka tumawag sa bpi? ilang araw nako tumatawag wala ako makausap na agent at sa anung number ka tumawag?

    -- edited by ranrun on Aug 14 2020, 10:32 AM
  • Hi! Question lang sa mga RCBC card holders, may binili kami na appliance via installment sa SM Appliance Center before my cut off and now cut off ko na hindi siya nag reflect and hindi rin nabawasan ang credit limit ko, pero nung day na nag swipe ako nag notify naman thru text and email na nagamit card ko dun na store and yung available credit limit nabawasan ng whole amount, it is just after 3-4days bumalik yung credit limit prang hindi nagbawas. May naka-experience nba ng ganito? What should I do?

    -- edited by cheschanco on Aug 15 2020, 11:39 AM
  • @ranrun
    Sorry sir, sa citi ako tumawag para magtanong ng posting time ng payments from online banking ni bpi. Kay bpi no luck talaga, magreredeem sana ko points, pag sa phone sasabihin lost/stolen lang daw inaassist nila. Trinay ko iemail, iaadvise ka naman tumawag dahil lost/stolen lang din inaassist nila.
  • Regarding BPI hotline, afaik, mahirap tumawag since nag MECQ naka skelatal force sila again. Alternatives are: through your branch (if open sila & branch rep's willing to accomodate), social media accounts FB- BPI, Twitter TalkToBPI, or if you happen to be a preferred client- via their dedicated number 0277910077 . Otherwise, wait na lang for lifting of lockdown restrictions and hope BPI service gets better.
  • @jjmmeett

    Pardon my question pero nag ma-matter ba ang posting date ng payment sa BPI?

    Sa BDO kasi, payment date yung nagrereflect sa citi, not posting date
  • I always pay way ahead the due date so I dont need to worry about posting dates anymore. Why dont you do the same?