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Author Topic: BPI Credit Card Holders  (Read 12216 times)

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Offline sphinxz

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BPI Credit Card Holders
« on: Jun 07, 2011, 01:20 PM »
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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

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Re: BPI Credit Card Holders
« Reply #1 on: Jun 07, 2011, 01:31 PM »
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

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

Offline suarezlyka

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

Offline sphinxz

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Re: BPI Credit Card Holders
« Reply #4 on: Jun 07, 2011, 02:43 PM »
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

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Re: BPI Credit Card Holders
« Reply #5 on: Jun 07, 2011, 02:50 PM »
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

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Re: BPI Credit Card Holders
« Reply #6 on: Jun 07, 2011, 03:24 PM »
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

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Re: BPI Credit Card Holders
« Reply #7 on: Jun 07, 2011, 03:28 PM »
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.

Offline mxherr5

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Re: BPI Credit Card Holders
« Reply #8 on: Jun 07, 2011, 04:20 PM »
@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

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Re: BPI Credit Card Holders
« Reply #9 on: Jun 07, 2011, 04:41 PM »
"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 »

Offline mxherr5

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Re: BPI Credit Card Holders
« Reply #10 on: Jun 07, 2011, 05:11 PM »
^ 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

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Re: BPI Credit Card Holders
« Reply #11 on: Jun 07, 2011, 05:58 PM »
^ 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

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Re: BPI Credit Card Holders
« Reply #12 on: Jun 08, 2011, 11:30 AM »
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

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Re: BPI Credit Card Holders
« Reply #13 on: Jun 08, 2011, 03:42 PM »
....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

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

 


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