BPI to charge over-the-counter withdrawals, inter-regional deposits by Sept. 1

**XTO** · July 25th, 2018 10:30 AM

Eto nga pinadalhan pa ko ng BDO AMEX thru LBC last sat. Tapos panay text to activate....tsaka na. Eh di ko na nga matandaan mga PINS sa mga debit cards ko.

**papi smith** · July 25th, 2018 05:33 PM

Citibank ba yan Doc? Ganyan din sa akin except may tumatawag at hinaharass ako magbayad, di ko na sinagot ulit mga call nila, ayun, reverse charges din, assholes, bad marketing strategy.

Originally Posted by dr. d

a big bank once mailed me a "free" credit card.
i never acknowledged it. i never used it. it never got out of the house.
they kept sending me bills for its "membership fee or something fee".
after a year, they sent me a letter, saying they are reversing all charges.

i feel it is not right, for these banks to send you a card you did not ask for, then bill you for it.

**carwhacko** · July 25th, 2018 10:38 PM

So I can ask the manager of my bdo branch pala bakit ako declined for a credit card nila? So far all my credit cards, I applied them all naman. 3 of them wala ako account sakanila kaya nagtataka ako sa BDO bakit ang damot sakin eh. Anyway, I guess I will try to talk to my branch muna if pwde nila idisclose. Kasi as far as my credit history is concerned never ako nagmiss ng payments, advance pa nga since auto debit lahat ng bills, loans ko.

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**Walter** · July 26th, 2018 10:31 AM

If your account with them is substantial enough, tell them your going to transfer to the banks that gave you credit card(s) ...

**jaggerx3** · July 26th, 2018 10:44 AM

Originally Posted by XTO

Eto nga pinadalhan pa ko ng BDO AMEX thru LBC last sat. Tapos panay text to activate....tsaka na. Eh di ko na nga matandaan mga PINS sa mga debit cards ko.

Wag yan di pwede i waive annual fee niya. Kaya pina cut ko yan and applied for Citibank Annual free for life luckily got approved

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**papi smith** · July 26th, 2018 12:45 PM

Yes, talk to the BM, the BM will check your history with their branch and act accordingly.

pag dun ka lang sa lower level, naki-usap, normally barado ka agad, parang default ata nila yan, they will definitely not find ways for you

Originally Posted by carwhacko

So I can ask the manager of my bdo branch pala bakit ako declined for a credit card nila? So far all my credit cards, I applied them all naman. 3 of them wala ako account sakanila kaya nagtataka ako sa BDO bakit ang damot sakin eh. Anyway, I guess I will try to talk to my branch muna if pwde nila idisclose. Kasi as far as my credit history is concerned never ako nagmiss ng payments, advance pa nga since auto debit lahat ng bills, loans ko.

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**heavenlee** · July 26th, 2018 01:24 PM

Originally Posted by Walter

If your account with them is substantial enough, tell them your going to transfer to the banks that gave you credit card(s) ...

I'm skeptical on this. From what I know the branch manager of a bank and the credit card division of a bank are two separate and autonomous entities and though while bank managers can recommend clients they know to be given credit cards, they cannot dictate on the credit card division if the credit card division decline their recommendation for whatever reason. Unless the client can talk directly to the one in charge of the credit card division ... that's another story.

**heavenlee** · July 26th, 2018 01:25 PM

Originally Posted by carwhacko

So I can ask the manager of my bdo branch pala bakit ako declined for a credit card nila? So far all my credit cards, I applied them all naman. 3 of them wala ako account sakanila kaya nagtataka ako sa BDO bakit ang damot sakin eh. Anyway, I guess I will try to talk to my branch muna if pwde nila idisclose. Kasi as far as my credit history is concerned never ako nagmiss ng payments, advance pa nga since auto debit lahat ng bills, loans ko.

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You definitely can try. The bank manager can always ask on your behalf if he/she does not know the reason for the denial.

**carwhacko** · July 26th, 2018 11:40 PM

Originally Posted by papi smith

Yes, talk to the BM, the BM will check your history with their branch and act accordingly.

pag dun ka lang sa lower level, naki-usap, normally barado ka agad, parang default ata nila yan, they will definitely not find ways for you

Haha lagi ko nga naffeel yan para bang ayaw ako iaccommodate sa concern ko regarding credit cards kasi sa credit division daw yun. Magbigay lang daw sila endorsement blah blah.

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**carwhacko** · July 26th, 2018 11:41 PM

Originally Posted by heavenlee

I'm skeptical on this. From what I know the branch manager of a bank and the credit card division of a bank are two separate and autonomous entities and though while bank managers can recommend clients they know to be given credit cards, they cannot dictate on the credit card division if the credit card division decline their recommendation for whatever reason. Unless the client can talk directly to the one in charge of the credit card division ... that's another story.

+1 on this. Do they really have the influence sa credit division lets say may kakilala akong manager? [emoji848]

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