Credit Card Talk

[circleguy]

Hi, let me know if they gave in or not, ako naman May of 2008 ako ma charge for the membership fee, 3years na ata ako member ng ciitbank, never pang na waive annual fee ko. P1,200 din eto, sayang naman. mga bills ko naman sa kanila paid ng full each month, there was a time nga na umabot pa sa 25k ang utang ko sa kanila. ayaw ko naman sana pa close ang citibank ko because medyo malaki ang credit limit na binigay nila...

 

 

nope! they did not waive the annual fee for my citibank shell gold card, they say dami na raw benefits yung shell kaya hindi pwde waive annual fee so yon! i closed it na! to think i pay each month in full! forced them to send a manager's check for the rebates i got from them worth 82 pesos, ayaw pa nga nila send eh kaya i asked for a supervisor, they'd rather na ako may utang sa kanila kesa sila may utang sa akin! good riddens sa citibank!

[phel]

citibank has a monthly surcharge of 3.5%. am no longer using this card.

 

...me too, instead i always use jcb, the interest rate is so friendly.

[disk_4_sale2]

nope! they did not waive the annual fee for my citibank shell gold card, they say dami na raw benefits yung shell kaya hindi pwde waive annual fee so yon! i closed it na! to think i pay each month in full! forced them to send a manager's check for the rebates i got from them worth 82 pesos, ayaw pa nga nila send eh kaya i asked for a supervisor, they'd rather na ako may utang sa kanila kesa sila may utang sa akin! good riddens sa citibank!

 

 

 

ganun ba sayang naman un.., sa akin naman i'm not sure pa rin if i'll stick with citibank, malaki kasi yung credit limit ng citibank compared to my hsbc, and sa hsbc naman parang nde ako puwede mag bayad ng mga utility bills. parang ang kaunti lang ng options, sa citibank kasi medyo marami..

[Kaneki_Ken]

nagun ang bilis na kumuha ng credit card sa citibank nagbigay lang ako ng id ng company and pirma fax ko sa kanila den after a week me card na. kaso ayaw ko activate eh. takot me

[shadowspy]

tanong ko lang...how does credit card refund work? I made an airline ticket purchase using my card but I had to cancel the flight. The airline said that they will refund the amount directly to my card after 60 working days. how does that work? does it mean that the cc company will pay me instead of me paying them? or will it just be balanced with any outstanding or future use? what it I currently do not have any outstanding balance?

[butchick]

This happened 2 years ago na ata..

 

I used to have a citibank gold credit card until somebody hacked my account and did a cash advance amounting to 60,000 pesos. (First withdrawal was 40,000 then another 20,000 the next day...as reflected to my billing statement.)

I dunno how it happened knowing that the card is in my possession.

I reported it to the bank but they didnt do anything about it kasi, according to them, its impossible daw to happen so they still charged it to me.

I didnt have any choice so I fully paid it so as not to be blocklisted. After that I decided to cut my account with them.

 

And yeah, someone told me that some "inside job" is happening at Citi...they sell daw credit card accounts to syndicates in exchange of a big amount.

I dunno if its true, pero ingat na lang.

 

i don't know how to say this but it seems to me lika a lot of cock and bull..... why would you be paying for something that you didnt borrow?

Edited March 24, 2008 by butchick

[Guest airmax]

dati citibank ang gamit ko hindi ko nabayaran kasi nag abroad ako noon. later on naayos namin ang bayad. after namin sya ma paid off noong 2005 lagi pa rin kaming kinukulit dahil may kelangan pa raw akong bayaran na 1k eh nung time na yon sabi noong nakausap namin sa citibank ok ng hindi bayaran yon eh kulit kulit pa rin nila may natawag palagi sa bahay. pinadalahan pa ako ng collection agency ng notice na bayaran ko. napa palpak ng procedures ng citibank sa ganyan. well sa atin naman kasi hindi affected ang credit history mo dahil walang credit history.

 

dito sa us in a period of one year naging 3 na credit cards ko. chase, household bank w/c is hsbc here, atsaka capital one. usually bibigay nila sa yong credit limit nasa 300 or 500 pagka nakapagbayad ka on time tinataas nila ung credit limit mo to $800. well plano ko lang pagandahin ko credit history ko kaya ako kumuha ng credit card. para makatipid ka wag mong dalhin ang credit card mo leave it at home. use it when you only need it.

Edited March 24, 2008 by airmax

[allanon]

tanong ko lang...how does credit card refund work? I made an airline ticket purchase using my card but I had to cancel the flight. The airline said that they will refund the amount directly to my card after 60 working days. how does that work? does it mean that the cc company will pay me instead of me paying them? or will it just be balanced with any outstanding or future use? what it I currently do not have any outstanding balance?

 

the refund will just reflect in your statement like a negative charge. if you don't have any outstanding balance, you will end up with a credit balance which you can use to offset any future purchases. i never tried to actually get a credit back as money though. bad trip lang talaga that it takes so long for the credit to reflect back into your card. once, the airline company was the one who cancelled my flight, but it still took more than 60 days to get the refund to appear on my statement.

[mr. john]

sir/mam. urgent help needed. mayroon po ba kayong kakilala sa fraud division ng metrobank? gusto ko kasing mapabilis iyong investigation ng sa card ko. kc malamang victim ako ng hackers or something. kasi may anomalous transactions na internet transaction na ginamit card ko amounting to aroung 49thou pesos. investigate pa daw nila.pero ung nabangit nilang mga online store ay ngaun ko lang narinig. american brands malamang. if proven daw na fraud, wala akong babayaran. pero ang gusto ko sana mapabilis lang kasi with in 35 days pa daw e. tsaka kakatakot din ako kasi big amount un. any tips sa mga naka experience na dito sa inyo ng parang ganyang case.tnx

[gianlee]

my brothers credit card has been stolen..it was 1 day before he notcied that it was gone and quickly cancelled it.now his bill arrived..ang daming internet transactions through

CCBILL

EUROCCBILL

OAKBILL

 

can we trace this? i mean is it even possible to trace it ?

kasi bka lowtech ung philippines

help please

[mr. john]

bro parang same case kami ng kapatid mo pero ang difference lang is sakin ay hindi stolen ung card. nasa akin mismo ung card ng gnawa ung mga anomalous transactions. investigate pa daw ng metrobank.pero pag internet transactions daw gaya ng nangyari sakin usually mabilis daw matrace. hindi kaya napasok ung system ng metrobank? kasi hindi naman stolen card ko and kapag siniswipe ay binabantayan ko naman if saan nila sinaswipe. badtrip lang kasi 35 working days ung binigay nilang time frame sa investigation. sa ngaun ang gnawa ko ay ipapaclose ko na sa monday ung bank account kasi naka auto debit sa account ung credit card para in case dumating ung bill, hindi muna mabayaran. para atleast pwede ko macontest na fraud ung nangyari.

[BuppTO]

sa tingin ko sayo inside job yan..mga taga bangko din ung gumamit...in my brothers case kasi sinasabi ng bangko pumunta daw siya sa mga porn sites amp! paano yun? matatrace ba nila? db pwede naman nila kausapin ung mga CCBILL or something

or confidential ung mga ccbill naun?

 

 

bro parang same case kami ng kapatid mo pero ang difference lang is sakin ay hindi stolen ung card. nasa akin mismo ung card ng gnawa ung mga anomalous transactions. investigate pa daw ng metrobank.pero pag internet transactions daw gaya ng nangyari sakin usually mabilis daw matrace. hindi kaya napasok ung system ng metrobank? kasi hindi naman stolen card ko and kapag siniswipe ay binabantayan ko naman if saan nila sinaswipe. badtrip lang kasi 35 working days ung binigay nilang time frame sa investigation. sa ngaun ang gnawa ko ay ipapaclose ko na sa monday ung bank account kasi naka auto debit sa account ung credit card para in case dumating ung bill, hindi muna mabayaran. para atleast pwede ko macontest na fraud ung nangyari.

[mr. john]

ung sa sakin daw kasi pinambili ng mga merchandise sa internet. malinaw na fraud kc kung ako talaga ang gumamit para bumili ng mga ganun, whats the point na deny ko pa diba? i mean kung ako talaga may gawa nun e di dapat di ko na deny na ako ang nag transact nun db? 35 working days amp is too long. obvious na obvious naman na fraud. tsaka isa pa, in the first place pa lang, alam na ng mbank na baka fraud kasi ung mbank mismo ang nag initiate na tawagan ako para sabihin na parang may irregularities na nangyari. nakakainis pa kasi if nagduda na silang anomalous nga ung transaction, bakit pa nila inaprove ?diba?

[Mang Joe]

a bit off topic...between HSBC and BPI, which would be a better choice?

[kotsengsumasabog]

a bit off topic...between HSBC and BPI, which would be a better choice?

 

bpi! maraming safety and anti fraud ang card ng bpi kaya safe ka.

bdo naman is also good for its benefits with sm malls

[disk_4_sale2]

a bit off topic...between HSBC and BPI, which would be a better choice?

 

 

HSBC ako, dahil sa BPI ang baba nila magbigay ng credit limit. maganda rin online banking ng HSBC dahil feeling ko secured, meron pa silang security device na ibibigay sayo na nag chachange ang numbers para makapag login ka sa system nila, too bad kaunti lang ang puwede mabayaran online using HSBC.

[BuppTO]

chong hindi tlga alam ng metrobank kung fraud o hindi ...because when someone buys merchandises from the net...it doesnt go directly to the banks system but through online credit card processors like CCBILL,OAKBILL, etc

ung mga online credit card processors will then foward it to the bank

 

ung sa sakin daw kasi pinambili ng mga merchandise sa internet. malinaw na fraud kc kung ako talaga ang gumamit para bumili ng mga ganun, whats the point na deny ko pa diba? i mean kung ako talaga may gawa nun e di dapat di ko na deny na ako ang nag transact nun db? 35 working days amp is too long. obvious na obvious naman na fraud. tsaka isa pa, in the first place pa lang, alam na ng mbank na baka fraud kasi ung mbank mismo ang nag initiate na tawagan ako para sabihin na parang may irregularities na nangyari. nakakainis pa kasi if nagduda na silang anomalous nga ung transaction, bakit pa nila inaprove ?diba?

[rongo]

a bit off topic...between HSBC and BPI, which would be a better choice?

 

I would suggest HSBC than BPI. HSBC has more payment center, lower annual fee (and it can easily be waived), and many establishments worldwide offering discounts when using HSBC cards. I think BPI is more strict when giving credit limit so their limit is much lower compared to HSBC and they have higher annual fee (only half of the annual fee can be waived).

[Mang Joe]

I would suggest HSBC than BPI. HSBC has more payment center, lower annual fee (and it can easily be waived), and many establishments worldwide offering discounts when using HSBC cards. I think BPI is more strict when giving credit limit so their limit is much lower compared to HSBC and they have higher annual fee (only half of the annual fee can be waived).

 

what about citibank? :goatee:

[Guest lustfortravel]

the refund will just reflect in your statement like a negative charge. if you don't have any outstanding balance, you will end up with a credit balance which you can use to offset any future purchases. i never tried to actually get a credit back as money though. bad trip lang talaga that it takes so long for the credit to reflect back into your card. once, the airline company was the one who cancelled my flight, but it still took more than 60 days to get the refund to appear on my statement.

 

i agree, especially if we are talking about cebu pacific here. i once cancelled a flight i booked online and the customer service people told me to wait since the company will just refund it in my credit card.

 

they did- after 7 months. :thumbsdownsmiley:

[nublaPBcom]

yung credit card ko nagpakita ng mga ccbill at iba pang foreign payments na parang galing sa pornsite...ano pwede ko gawin dito? pwede ba hulihin ung gumamit ng card ko? tnx..nacharge sa akin $300 plus

 

yung credit card ko nagpakita ng mga ccbill at iba pang foreign payments na parang galing sa pornsite...ano pwede ko gawin dito? pwede ba hulihin ung gumamit ng card ko? tnx..nacharge sa akin $300 plus

[tommy69]

The best thing is to initially call your credit card to report that your card has been compromised..... Secondly write a 'dispute' letter to contest the said charges. They usually will investigate the matter immediately.... Better call them immediately to cancel your existing card.

[Google]

yung credit card ko nagpakita ng mga ccbill at iba pang foreign payments na parang galing sa pornsite...ano pwede ko gawin dito? pwede ba hulihin ung gumamit ng card ko? tnx..nacharge sa akin $300 plus

 

yung credit card ko nagpakita ng mga ccbill at iba pang foreign payments na parang galing sa pornsite...ano pwede ko gawin dito? pwede ba hulihin ung gumamit ng card ko? tnx..nacharge sa akin $300 plus

 

nangyari na rin sa akin yan before bro. report mo sa issuing bank mo so that they can take proper action and reverse those charges.

[Mild Seven]

citibank sent me a platinum card....credit limit is only 130k++, not for anything else parang insulto sakin, my wife has a gold citibank card and her credit limit is around 300k....what give's????

[revi]

^ That is so weird.. I really don't understand how the credit limit system works for these card companies..

 

Standard Chartered also sent me a Gold Credit Card.. Limit is Php90K.. I already have their regular issued cards whose limit is a combined Php90K.. Ang nakakatawa is that I have an HSBC regular card with a limit of Php120K.. Although kaunti lang ang difference, nakakapagtaka pa din kung bakit mas mataas pa ang limit ko sa HSBC kaysa sa bagong bigay na Gold Card ng SCB..

 

BTW, I heard that our government is checking on the interest rates/charges that are being implemented by credit card companies in the PI.. I hope they will be able to lower down the interest rates and change the current system.. Credit cards have become burdensome because of high interest rates rather than a source of "help" to people.. I usually pay all the balances of my credit cards and just buy stuff that I know that I can pay fully every month (at suki ako ng mga amortized big purchases - either with interest or 0%).. But sadly, not a lot of people have the same mindset that I have.. A lot of people buy stuff that they can't pay in full.. In this sense, lalo silang nababaon sa utang dahil sa taas ng interest rates at sa sistema ng pag-compute ng mga companies na ito..

 

Minsan mas maganda pa ngang umutang sa 5-6 kaysa sa ganito eh.. Dahil at least ang 5-6, amortized.. Eh ito dagdag ng dagdag kapag hindi nababayaran in full.. Its just a matter of being wise.. You can't let these companies be wiser than you or else you will be burdened with debts that have ballooned to alarming amounts because of "usurious" rates.. I hope our government does something about this..