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BPI tinawagan lang ako. I didn’t apply for or submit any documents. They offered me the credit card over the phone, and they sent it to me. This happened more than 10 years ago pa and the card is still active. It’s the only credit card I have and I don’t plan on getting another one. Ginagamit ko pang grocery, pag namimili sa mall tapos pay off agad para ndi mabaon sa utang. 

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