PMT Forum

News: The **7 Most Popular PMT boards** are now on top! Check out the Forum homepage!

Search Money Investments
Shortcut to PMT Forum topics!

Click LIKE, TWEET or +1 to earn PMT Badges!

Author Topic: BPI Credit Card Holders  (Read 6730 times)

Offline sphinxz

  • Posting Specialist
  • **
  • Awards Member since 2010
    • Awards
BPI Credit Card Holders
« on: Jun 07, 2011, 01:20 PM »
  • Publish
  • just got a few queries...
    > i read that the card is already activated before I received it, does that mean I can already swipe it?
    > how do i activate my SIP? been calling to 89-100 but it's always busy.
    > if my SIP will be activated, will it be slashed from my CL?
    > if it will be slashed, can I decide on how much I will allot for my SIP?
    > can I combine my SIP and CL to purchase an item and pay straight? no additional charges for that?
    > lastly, though I still have 1 year of free use, how can i ensure that my next annual fee can be waived?

    thanks for having time to read and answer my questions. ^^

    Offline puberer

    • Forum Hero
    • *****
      • Awards
    Re: BPI Credit Card Holders
    « Reply #1 on: Jun 07, 2011, 01:31 PM »
  • Publish
  • all of these questions can be answered by a BPI customer service assistant. 

    Hindi ko maipapangako sayo ang magandang buhay, pero ang magandang lahi tiyak ko.   Hindi ko masisiguro na mababayaran ka nila, pero ang bayaran kita, tiyak ko.  Pag may problema, deadma ka na.

    Offline ferrariEverest

    • VIP Member
    • *
    • Gender: Male
    • Health, wellness & wealth;Financial & Time Freedom
    • Awards Business Tycoon MLM Leader Food and Health Expert Real Estate Mogul Member since 2007 PMT Lounge Addict Banking and Insurance Boss Investments Idol Stocks Superstar Forex Master Chikador / Chikadora
      • Awards
    Re: BPI Credit Card Holders
    « Reply #2 on: Jun 07, 2011, 02:20 PM »
  • Publish
  • based on my experience (BPI Credit card -- Express Start)

    Quote
    > how do i activate my SIP? been calling to 89-100 but it's always busy.
    keep on calling.

    Quote
    > if my SIP will be activated, will it be slashed from my CL?
    Yes
    Quote
    > if it will be slashed, can I decide on how much I will allot for my SIP?
    yes

    Quote
    > can I combine my SIP and CL to purchase an item and pay straight? no additional charges for that?
    can u rephrase your Q, just to be clear?
    if u are gonna pay straight, then hindi SIP credit limit ang gagamitin.
    let's say u have a 10,000 peso credit limit, of which 6k ay SIP.
    so 4k lang ang pwede mo gamitin for straight payment.

    may establishment na may charge pag credit card gamit mong mode of payment

    Quote
    > lastly, though I still have 1 year of free use, how can i ensure that my next annual fee can be waived?
    they want u to spend a certain amount to qualify.

    tama si puberer, lahat yan masasagot ng 89100
    What would you attempt to do if you knew you could not fail? - Robert Schuller Don't limit your challenges - challenge your limits.

    PMT Forum

    Re: BPI Credit Card Holders
    « Reply #2 on: Jun 07, 2011, 02:20 PM »


    * * * * * sponsored links * * * * *

    Offline suarezlyka

    • Posting Guru
    • ***
      • Awards
    Re: BPI Credit Card Holders
    « Reply #3 on: Jun 07, 2011, 02:40 PM »
  • Publish
  • hahhaha ang taray ni puberer!

    Offline sphinxz

    • Posting Specialist
    • **
    • Awards Member since 2010
      • Awards
    Re: BPI Credit Card Holders
    « Reply #4 on: Jun 07, 2011, 02:43 PM »
  • Publish
  • been trying to call pero di ako nakakatiyempo, busy parati. hope they will be calling me. di rin naman ako makapunta ng BPI branch.

    anyway thanks sa inputs ferrariEverest.

    btw, dun sa annual fee. yung certain amount ba is fixed for all CC holders or depends on your standing?

    assuming I'm not delinquent in payments, and hindi fixed ang amount na ipapaspend nila, mas malaki kaya ang amount na yun if nakita nila sa records mo na malalaki ang purchases mo?


    Offline ferrariEverest

    • VIP Member
    • *
    • Gender: Male
    • Health, wellness & wealth;Financial & Time Freedom
    • Awards Business Tycoon MLM Leader Food and Health Expert Real Estate Mogul Member since 2007 PMT Lounge Addict Banking and Insurance Boss Investments Idol Stocks Superstar Forex Master Chikador / Chikadora
      • Awards
    Re: BPI Credit Card Holders
    « Reply #5 on: Jun 07, 2011, 02:50 PM »
  • Publish
  • been trying to call pero di ako nakakatiyempo, busy parati.
    ganito na lang, mag email ka na lang sa kanila. habang tumatawag ka.

    Quote
    btw, dun sa annual fee. yung certain amount ba is fixed for all CC holders or depends on your standing?
    i think depende sa cardholder yun.

    Quote
    assuming I'm not delinquent in payments, and hindi fixed ang amount na ipapaspend nila, mas malaki kaya ang amount na yun if nakita nila sa records mo na malalaki ang purchases mo?
    i think whether or not malakas ka gumastos, they want u to spend more than u do for u to qualify dun sa waive.
    for instance, para magqualify ako sa waive, they wanted me to spend almost double my credit limit

    ang pinaka mapapayo ko sayo is always pay in full. wag mo kakalimutan yan. :rakenrol:
    « Last Edit: Jun 07, 2011, 02:52 PM by ferrariEverest »
    What would you attempt to do if you knew you could not fail? - Robert Schuller Don't limit your challenges - challenge your limits.

    Offline arnel

    • Posting Guru
    • ***
      • Awards
    Re: BPI Credit Card Holders
    « Reply #6 on: Jun 07, 2011, 03:24 PM »
  • Publish
  • yung annual fee sa tingin ko eh depende sa credit card na hawak mo,,, mas madaming benefit, mas malaki ang annual fee,,, sa case ko, tawag lang and ask kung pwede i-waive,,, otherwise, close ko yung credit card ko hehehe,,, takutan lang kumbaga,,, pag di pumyag eh di sasarado ko na credit card ko hehehe,,,
    The biggest risk in life is not taking one at all.

    Offline ferrariEverest

    • VIP Member
    • *
    • Gender: Male
    • Health, wellness & wealth;Financial & Time Freedom
    • Awards Business Tycoon MLM Leader Food and Health Expert Real Estate Mogul Member since 2007 PMT Lounge Addict Banking and Insurance Boss Investments Idol Stocks Superstar Forex Master Chikador / Chikadora
      • Awards
    Re: BPI Credit Card Holders
    « Reply #7 on: Jun 07, 2011, 03:28 PM »
  • Publish
  • arnel,
    pano yun pag sinara mo yung CC mo. ano na gagamitin mo?
    mag aapply ka nanaman? hindi ba hassle yun?
    What would you attempt to do if you knew you could not fail? - Robert Schuller Don't limit your challenges - challenge your limits.

    Online mxherr5

    • Forum Jedi
    • ****
    • Gender: Male
    • Awards Member since 2007 Banking and Insurance Boss Investments Idol
      • Awards
    Re: BPI Credit Card Holders
    « Reply #8 on: Jun 07, 2011, 04:20 PM »
  • Publish
  • @sphinxz, subukan nyo sir yung option na report lost or stolen card.. nka dalawang tawag na ako dun and parati may sumasagot. hehehehe
    Bad trip kasi yung atm sa gateway, nauuna ibigay ang receipt kaysa sa mgbalik ng card.

    Post Merge: Jun 07, 2011, 04:21 PM
    Atsama tama yung sinabi ni ferrari, effective ang email. sumasagot sila. Normally ilang araw lng yung turn around time
    « Last Edit: Jun 07, 2011, 04:21 PM by mxherr5 »

    Offline sphinxz

    • Posting Specialist
    • **
    • Awards Member since 2010
      • Awards
    Re: BPI Credit Card Holders
    « Reply #9 on: Jun 07, 2011, 04:41 PM »
  • Publish
  • "Normally ilang araw lng yung turn around time" so umaabot pala talaga ng araw? pano na lang kung kelangan ko magrequest ng increase ng credit limit? siguro babalik na lang ako the next days. kaso kapag kelangan bumili immediately, parang hassle din yun.

    @ferrari
    oo, kelangan magpay in full. :D may naka-alot na talaga akong bpi savings account to pay my credit card.

    speaking of that, worse comes to worst nadefault ko ang credit card ko and may balance pa. may kilala ba kayo na inauto debit ng BPI ang balance from his savings account? kaya nilang gawin yun pero legal ba yun?

    Post Merge: Jun 07, 2011, 04:46 PM
    update lang...
    tumawag din yung rep nila. :D had my SIP activated, part of my CL transferred to my SIP. and natanong ko rin ang most sa questions ko except yung iba na mas ok siguro if kapwa cardholder ang pagtatanungan ko.
    « Last Edit: Jun 07, 2011, 04:46 PM by sphinxz »

    Online mxherr5

    • Forum Jedi
    • ****
    • Gender: Male
    • Awards Member since 2007 Banking and Insurance Boss Investments Idol
      • Awards
    Re: BPI Credit Card Holders
    « Reply #10 on: Jun 07, 2011, 05:11 PM »
  • Publish
  • ^ Yep, ilang araw ang response time nila thru email.

    Pero gusto mo immediate response incase kailangan mo ng
    mas malaking credit limit?

    Wala akong credit card pero ganun ba kabilis yung pg approve
    nun? on the spot hehe

    Offline sphinxz

    • Posting Specialist
    • **
    • Awards Member since 2010
      • Awards
    Re: BPI Credit Card Holders
    « Reply #11 on: Jun 07, 2011, 05:58 PM »
  • Publish
  • ^ di ko rin sure, di ko pa nattry eh. pero may mga nababasa akong pwede daw, not sure lang kung anong CC yun. itatawag lang then request to increase the credit limit then depende na sa convincing powers mo kung i-aapprove. :D

    Offline Likas_Sayote

    • Junior Member
    • *
      • Awards
    Re: BPI Credit Card Holders
    « Reply #12 on: Jun 08, 2011, 11:30 AM »
  • Publish
  • Yung annual fee ni waive nila nung 2009. Nung 2010 nag charge sila annual fee sa akin. Ganun pala yun hehe. Bihira ko kasi nagamit yung CC ko nung 2010. Wala na tuloy ako rason to waive the fee.

    They autmatically raised my credit limit to P225K. SO far for this year ang nacharge ko pa lang for my CC is around 600 pesos haha!

    Offline ferrariEverest

    • VIP Member
    • *
    • Gender: Male
    • Health, wellness & wealth;Financial & Time Freedom
    • Awards Business Tycoon MLM Leader Food and Health Expert Real Estate Mogul Member since 2007 PMT Lounge Addict Banking and Insurance Boss Investments Idol Stocks Superstar Forex Master Chikador / Chikadora
      • Awards
    Re: BPI Credit Card Holders
    « Reply #13 on: Jun 08, 2011, 03:42 PM »
  • Publish
  • ....They autmatically raised my credit limit to P225K. SO far for this year ang nacharge ko pa lang for my CC is around 600 pesos haha!
    bakit auto-raised?
    automatic rin ba na binigyan ka nila ng credit card? (i.e., sila ang nagopen ng CC for u, hindi ka nag apply)

    haha, saludo po ko sa inyo, matipid kayo! :rakenrol:
    What would you attempt to do if you knew you could not fail? - Robert Schuller Don't limit your challenges - challenge your limits.

    Offline Likas_Sayote

    • Junior Member
    • *
      • Awards
    Re: BPI Credit Card Holders
    « Reply #14 on: Jun 08, 2011, 04:29 PM »
  • Publish
  • bakit auto-raised?
    automatic rin ba na binigyan ka nila ng credit card? (i.e., sila ang nagopen ng CC for u, hindi ka nag apply)

    haha, saludo po ko sa inyo, matipid kayo! :rakenrol:

    yup! auto-apply ako sa BPI. They gave me BPI gold way back 2007. Tinanggap ko na lang since wala pa akong CC nun.

    Most of the time ginagamit ko lang CC pang book ng flights. Nagcharge lang ako this year ng kaunti since napapansin ko nangangalahati na  yung taon at di pa nagagamit hehe

    PMT Forum

    Re: BPI Credit Card Holders
    « Reply #14 on: Jun 08, 2011, 04:29 PM »
    * * * * * sponsored links * * * * *

     

    Related Topics

      Subject / Started by Replies Last post
    1 Replies
    1416 Views
    Last post Apr 12, 2009, 12:01 AM
    by nidaime
    5 Replies
    1954 Views
    Last post Sep 16, 2010, 12:24 AM
    by lrexchange
    4 Replies
    1559 Views
    Last post Mar 19, 2013, 11:52 PM
    by missreese
    5 Replies
    11637 Views
    Last post Jan 04, 2012, 03:23 AM
    by naomibatac


    * Recent Topics

    * PMT Shoutbox

    Refresh History
    • apingdaldal: polar bear in the house again! ipit :(
      Yesterday at 11:58 AM
    • lowije_dapogs: jacjac hindi pwede ang asap asap sa st0cks. una p0ng dpt mtutunan ay pagtyatyaga.
      Dec 14, 2014, 06:18 PM
    • jacjac: Newbie in stocks. Need help ASAP in understanding concepts further. Required: EVA analysis, analysis of TSR, Valuation of company equity, etc. of Puregold
      Dec 14, 2014, 03:39 PM
    • Wills: katkat wala ka bang pamasko samin?
      Dec 12, 2014, 01:15 AM
    • katkatmachine: sir wills, paboardlot ka naman. kahit smph lang. hehehe  :hihi:
      Dec 11, 2014, 01:14 PM
    • Wills: Wow! Sale! Sale! Sale!
      Dec 11, 2014, 12:39 PM
    • Jayumaster: Pili po kayo ng category kung saan sa tingin ninyo bagay ang topic dun palang lalabas ang create topic. =)
      Dec 03, 2014, 03:29 PM
    • criztinn: hindi ko makita kung pano magpost... pano? hehe
      Dec 03, 2014, 12:29 AM
    • Mac2xAce: http://www.pinoymoneytalk.com/forum/index.php?topic=48052.msg510032;topicseen#new
      Dec 01, 2014, 10:41 PM
    • gutzyou60: any binary traderS?
      Dec 01, 2014, 06:45 PM
    • gutzyou60: hi sino nag bibinary trading dito?
      Dec 01, 2014, 06:45 PM
    • Mac2xAce: nkita q na hehe.
      Dec 01, 2014, 12:43 PM
    • Mac2xAce: hi paano magpost ng tanung d2 sa PMT? tnx, di q kc malaman qng paanu.
      Dec 01, 2014, 12:39 PM
    • scarletrogue: hello
      Nov 29, 2014, 07:22 PM
    • scarletrogue: HELLO
      Nov 29, 2014, 07:22 PM
     
     
    Welcome, Guest. Please login or register.
    Did you miss your activation email?

    * Must-Read Topics!

    * Active Posters Today

    Market_Market
    2 Posts
    GoodSteward
    1 Posts
    pulubing_palaboy
    1 Posts
    xtian19
    1 Posts
    singkit_1588 singkit_1588
    1 Posts
    casanova casanova
    1 Posts
    francesdeniel
    1 Posts
    kAMi
    1 Posts
    gazronstopnshop
    1 Posts

    * Vote in this Poll!

    • How much is your monthly PASSIVE income?
    • Dot Less than PHP 10,000
    • 5 (33%)
    • Dot PHP 10,000 to 25,000
    • 3 (20%)
    • Dot PHP 25,001 to 50,000
    • 1 (6%)
    • Dot PHP 50,001 to 75,000
    • 0 (0%)
    • Dot PHP 75,001 to 100,000
    • 2 (13%)
    • Dot More than PHP 100,000
    • 4 (26%)
    • Total Members Voted: 15
    • View Topic

    * PinoyMoneyTalk.com

    * SPAM-free PMT!

    Help clean up the PMT Forum by reporting spam posts, troll messages, PM solicitation, or any other problem posts or members! Click the "Report to moderator" link at the bottom of every post.
    BloQcs design by Bloc
    SMF 2.0.4 | SMF © 2013, Simple Machines
    SMFAds for Free Forums
    SimplePortal 2.3.5 © 2008-2012, SimplePortal