disk_4_sale2 Posted March 31, 2008 Share Posted March 31, 2008 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. Quote Link to comment
BuppTO Posted March 31, 2008 Share Posted March 31, 2008 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, etcung 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? Quote Link to comment
rongo Posted March 31, 2008 Share Posted March 31, 2008 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). Quote Link to comment
Mang Joe Posted March 31, 2008 Share Posted March 31, 2008 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: Quote Link to comment
Guest lustfortravel Posted April 1, 2008 Share Posted April 1, 2008 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: Quote Link to comment
nublaPBcom Posted May 6, 2008 Share Posted May 6, 2008 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 Quote Link to comment
tommy69 Posted May 7, 2008 Share Posted May 7, 2008 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. Quote Link to comment
Google Posted May 8, 2008 Share Posted May 8, 2008 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. Quote Link to comment
Mild Seven Posted May 14, 2008 Share Posted May 14, 2008 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???? Quote Link to comment
revi Posted May 14, 2008 Share Posted May 14, 2008 ^ 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.. Quote Link to comment
hunter707 Posted May 14, 2008 Share Posted May 14, 2008 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).really there are many establishment offering discounts with hsbc cards but as i found out only locally issued cards are allowed for discounts and offerings.. like if you go to hongkong only hongkong issued hsbc cards are honored for the discounts and offerings.. your experience might vary from mine... pero sana lahat nalang pwede para mas masaya Quote Link to comment
rongo Posted May 14, 2008 Share Posted May 14, 2008 really there are many establishment offering discounts with hsbc cards but as i found out only locally issued cards are allowed for discounts and offerings.. like if you go to hongkong only hongkong issued hsbc cards are honored for the discounts and offerings.. your experience might vary from mine... pero sana lahat nalang pwede para mas masaya HSBC has a promo called "Home and Away" it offers discounts from partner establishments in the asia pacific region for their card holder. I saw it in their brochure and the list is also available in their website. Quote Link to comment
rongo Posted May 14, 2008 Share Posted May 14, 2008 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???? I also received a platinum card from Standard Chartered and the limit was lower than the limit of my HSBC classic card. I plan to cancel it after the first year free annual fee. Quote Link to comment
Mild Seven Posted May 15, 2008 Share Posted May 15, 2008 re the credit card loans....tho i haven't tried/availed of it, have had a few calls asking me if i wanted to avail, i always said no. i pay my bills on time and buo pa, i don't see the need to avail of it. feeling ko kasi lalo ka magkaka boan baon sa utang, may binabayaran ka na with the current bills you have tapos may binabayaran ka pa na additional sa loan with interest. Quote Link to comment
rc36 Posted May 15, 2008 Share Posted May 15, 2008 sirs & mams, bros & sis, do you ever had a bad experience in citibank, like for % interest or hidden charges that you found out latter on your billing. tnx Quote Link to comment
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