may force credit card sila, na alarm ako bigla ay text message from bdo that my credit card is coming, but i never did thats why i file a leave on work which is detrimental cause its training week. i come to bdo with nervous thinking my identity has been compromise and someone else might use the credit card that i never applied. bdo just told me that they normally do it to there costumer and wait for it. i never use credit card cause i have enough money to use. i explained that its bad cause there will be annual fee for it. that time i decided to to change bank na for good