My BPI Express Credit Arrived!

bpi gold mastercard pre approved

To readers of my blog, you’ve probably noticed that my blog has popular posts about the electronic credit cards of some Philippine banks. I was struggling on getting a real credit card so an electronic/prepaid credit card was my alternative.

Well guess what! I got a phone call from a BPI representative. I don’t

know if she was an actual employee of BPI or if she was a call center agent. She interviewed me for several minutes and then popped the question. Do I want to have a GOLD MASTERCARD? Of course I was curious so I said yes. There were no details, nothing to sign and nothing to pay. Basically, the whole call was my application process.

I was thinking that my application would probably be denied anyway so I gave the go signal. She told me the credit card will be delivered and that was it.

Surprise! Several days later, I got a message that my application was approved and that my card was on the way. So yeah, I was excited. I wasn’t expecting much because I really did not know the credit limit of the card I was getting. I was thinking that I’d get only about 20,000 pesos because I did tell her that my net income is only Php 18, 549.

Fast forward to the day I got my card. I opened the letter and a whopping six figure credit limit popped out! HOLY C! I got a Php 200,000 credit limit! It was scary and exciting at the same time!

A lot of my friends were asking why I got a card like that because when they applied, they got denied. I told them, I didn’t apply. BPI called me!

I guess it’s probably because I’ve been using BPI express a lot. Basically this is what I’ve been doing with BPI:

  1. Used their ATM as my savings account. I didn’t mind the 5 peso deductions every transaction.
  2. Signed up for a BPI eMastercard 
  3. Purchased stuff using said prepaid credit card

I’ve been a BPI customer for some 4 years I guess. So I’m kind of happy that they gave me this Gold Mastercard. I’m a little bit hesitant to use it but now I can finally pay for NCLEX without having to ask a friend to use their credit card. I won’t have to line up in getting a manager’s check or something.

Happy! Smile

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443 Comments »

  1. Emcee Said:

    Hello, how long did you receive the gold mastercard after you received the call? Thanks

    • C.A.T.Guy Said:

      About a week later. I got my card through mail. I had my letter sent to my HR and the courier left it there.

      • Emcee Said:

        Did the card automatically enroll on your bpi mobile app?

      • C.A.T.Guy Said:

        Yes, in fact I saw my credit limit pop up first before I got my card from HR.

  2. Emcee Said:

    I received a call last wednesday but the card isn’t still reflecting on my BPI app. I hope the call I received is not fraud. Lol. I used eprepaid too for two years, unfortunately it got expired last sept.

    • C.A.T.Guy Said:

      If you have a card, then it’s already approved. Try calling the hotline to be sure

      • Emcee Said:

        Did you call them to know the status if your application? Or you just wait for your card to arrive?

      • C.A.T.Guy Said:

        I just waited for my card. As for the status, the CL popped right into my BPI expressonline

  3. diana Said:

    same scenario as mine, I got a call 2 weeks ago and I thought it was bogus. Then I didnt mind, earlier I check my balance thru my bpi app then to my surprise I have my gold cc. Whoa! my friends also was surprise that BPI gave me cc without any requirements or so. I have this friend that his earnings was double as mine but denied for cc with cl of 20k. He was so envy that I have a big cl. well I need to wait for my card to be delivered maybe next week., happy kiddo

    • mommypoko Said:

      same here I got mine just recently. I only have a part time job in which I am earning only around 10k I told the rep about that but I got approved for a 100k CL, the only edge I guess was that I have been using expressonline for years for my savings account. But I’m a first time CC holder. Do you mind sharing how I go about activating it? There are no instructions that came with it

      • C.A.T.Guy Said:

        If it showed up on your EOL then it’s active 🙂

      • mommypoko Said:

        No need to call them right? Its already on expressonline

      • C.A.T.Guy Said:

        Yep. You can start using it. You can even use it for their 0.79% C2C promo

      • mommypoko Said:

        About the 0.79% C2C promo, do I have to go to the bank to apply for it? What are the requirements? Can I avail of it if even if I just got it? Im sorry I have a lot of questions. But thanks for your help

      • C.A.T.Guy Said:

        Ok lang 🙂 Yes you have to go to the bank to apply. Just bring 2 valid IDs and that’s it. Just use up 50 to 75% of your CL so you will be approved.

      • Diana Said:

        I already availed their c2c earlier after 15mins they approved it and swipe my card. Ill wait till monday because bpi said processing will take 1 bus day..

  4. Marj Enclona Said:

    The same thing happened to me! 🙂 Nov 12 a BPI representative called me and asked if their contact details about me is still updated. And then she asked me if I want to apply for a BPI Gold Mastercard. I told her I applied twice for two years already and got denied everytime. She then told me that this time there’s no requirements, all is depending on my company relationship with them(1 payroll account, no savings). I gave her the go signal and apply it. After exactly 3 weeks, December 3 I received a text message saying the card is approved and my card will be delivered in 5 days. FRIDAY- Another sms from BPIDelivery and said that my new BPI Credit card is on its way. Kindly expect to receive your card within 10 working days.
    MONDAY- Around 2pm, our receptionist IM’ed me and said I have a BPI Card to receive and voila! 200K credit limit. I also saw it on my express online account before I receive the card. 🙂

  5. sether Said:

    Same thing happened to me. Last Tuesday Dec. 8, I texted BPI asking about how will I fix my mobile app’s transfer to anyone option, after a few minutes someone called saying that he is from the BPI main office asking me about my updated information. He then asked me if I wanted to have a credit card, no need to submit any financial documents whatsoever so who am I to say no 😀 Since I know it isn’t easy to have one I even confirmed that it is not a secured credit card. On Dec. 11, BPI texted me that my application has been approved. The card arrived yesterday Dec. 12 but it was only given to me by my Uncle today since he was the one who received it. I was expecting about 18k CL but got 100k credit limit! I have two easy savers account, 1 prepaid visa card and I often use expressonline to pay bills and transfer funds on BPI.

    • C.A.T.Guy Said:

      Mabait si BPI hehe. That can be used with their current promos.

      • sether Said:

        since first timer din ako sa cc, di ko alam ano gagawin dito para mamaximize pagdating sa mga promos nila. nagbabasa basa muna

      • C.A.T.Guy Said:

        Go to pinoyexchange.com may thread dun about the promos and stuff

  6. AZ Said:

    I wonder that they gave you a Gold Mastercard yet the credit limit is 200k. BPI is giving Gold for CLs of 75k to 149k, if you reached the 150k CL, it would be automatically be a Platinum Card.

    • C.A.T.Guy Said:

      I’m not sure why too, I’ve read of others getting only 100k CL.

  7. Melvin Said:

    Hi. They offered me the same thing, last January 8 I received a call from BPI asking if my contact number and email is still the same. Then they offered me the BPI Gold Mastercard saying I was chosen to be given a card. Of course I accepted the offer haha. I fancy credit cards since my dad has lots of it Lol. My question is: How long will you receive the card and how long is the processing? Is it approved already even though I’m still a student receiving a remittance from abroad? Does the credit card info just pops at expressonline and I won’t receive any text or call from they saying my application is approved? Thanks in advance. 🙂

    • C.A.T.Guy Said:

      Usually takes 1 week but some waited for months. I found EOL sporting my credit limit before I got my text. In fact, I already got my card before I got a text message.

      As far as income is concerned, I’m not sure what’s their process but maybe they saw some assets from your accounts. If you got properties in your name could be it.

      • Melvin Said:

        I’m shocked when they offered me that credit card coz I’m still a student. I receive weekly allowances from my savings account and I use my Amore Visa Prepaid always. Been a client since 2012, I guess that says a lot. Well, I’m not expecting an affirmative response from them but I took the chance. I hope I get approved, it’s my first CC if ever. Thanks! 🙂

      • C.A.T.Guy Said:

        Ahh I also had a prepaid card too
        It might be a factor also because I’ve been using a prepaid card a lot for booking tickets and hotels.

      • Melvin Said:

        Yay! I was checking my balance on BPI app and like everyone else here, I saw credit card details with 100k CL. How long did you receive the card? Should I expect a text message from BPI? Should I call the hotline for a follow up or just wait for the card to arrive? Thanks. 🙂

      • C.A.T.Guy Said:

        I got 200k cl. Usually there’s a text message. If you want there’s a hotline number in the website that you can call.

  8. Star Maiden Said:

    Hi, i also got a call last january 12 and then she called back again january 14 to verify 1 info. I’m just waiting for an update.

    • C.A.T.Guy Said:

      Good for you!

      • Star Maiden Said:

        But i’m not sure if maapprove yun. No job kc ako ngaun. Small online business lang. But i’m hoping. Haha

  9. Julie Ann Said:

    Hi! Kapag nagreflect na ba ang credit sa bpi express online account pwede nang gamitin for paying bills online kahit wala pa ung mismong card? I also got a call last Friday and I am really hoping na maaprove since sobrang hirap mag apply for cc kapag kagaya ko na online English teacher. Di raw kasi employee kundi contractual lang. Thanks!

    • C.A.T.Guy Said:

      I guess pwede na but you need the verification number behind the card when using it. And I don’t think bpi express has the card numbers.

      • Julie Ann Said:

        Okay! Thanks for your reply. 🙂

  10. […] that I got these two cards. I didn’t really expect to be given one card let alone two. I used my BPI Express Gold Mastercard as my […]

  11. Lester Said:

    Just 5 days ago tumawag din sila. No work aq nun at currently getting remittance lang. WhoA! Air21 left a note after 5 days from BPI, thinking approved na card ko o declined letter un. I called bpi good bews dahil approved for 100k cl…shocking! Been banking with them for more than 10yrs so i guess valid reason un. Just need to use it wisely…no one day millionaire anymore. Thanks sa trust BPI!

    • C.A.T.Guy Said:

      Congratulations! Use it wisely.

    • mavie Said:

      Hi Lester, sinabi mo ba sknila na no work ka that time? Approved pa rin?

  12. Allen Said:

    I got a call from BPI last Feb 29 and offered me a credit card. Di ko matandaan if anong klaseng card, i just heard na MasterCard nga. She verified my info and most of it naman is nasa system na nila. Then to my surprise, after a week nakuha ko na yung card. Nagulat lang ako sa 200K CL pero thankful ako. Siguro dahil I have two ATMs with them (1 payroll, 1 savings).

    • C.A.T.Guy Said:

      Oo nakakagulat minsan mayvna approve biglaan. Hehe congrats!

  13. Jong Said:

    Hi, I received a call din from someone saying he is from BPI headoffice makati etc. He said I was one of those lucky customers ng BPI. Verified my name and phone number then I am eligible to get their Mastercard Gold. Tapos sabi ko anong need? He said, he’ll verify some details and update some if nabago na. No requirements daw. Then read some terms and conditions that yung phone call daw ung application form ko. 15-20 days din daw processing. Gave me confirmation number and he finished the call. After I felt like na-budol ako. Was that for real? I havent verified yung ref #. Pero tingin nyo po approved yun? Payroll account lang naman meron ako and I usually use it for purchase and online transactions. Nagtataka pa din ako if bakit. Gusto ko umasa kaso baka madissapoint ako in the end.

  14. Jong Said:

    Hi, I got a call din from BPI head office daw. Confirming my details then suddenly offered me a Mastercard Gold dahil daw sa relationship ko sa BPI. Ganun ba, so what will I do? Sabi iconfirm ko lang details, to my surprised nagmatch mga details, so di fraud to. Wala daw documents na kailangan at application form. Kinonfirm lang gross annual ko position. Tapos tinanong san ko daw gusto madeliver card at what time ko pede ireceive. To my mind, sabi ko hala! Bakit ganun ang tanong?! Approved na ba agad?! Then he finishes everything and gave me confirmation #. 15-20 days processing. Totoo ba to mga kaibigan?! Di pa ako nag aapply sa kanila ng card. Wala ako savings, pero may payroll ako from my old company and another one sa new company ko. Both active. Nagtatransfer ako ng money and use it for purchases sa shops at online. Tingin nyo po? Should I assume na approved na? Pero baka hindi madissapoint ako.

  15. mceds14 Said:

    I got mine a fews after speaking to an agent over the phone… 😎 After showing of CL online kinabukasan dumating na ung gold card. I think it took 5 days processing 😉 oh less pa yta, tuesday interview, my CL appeared on my Express Online the air 21 arrived on sat.. 🙂

    • C.A.T.Guy Said:

      Congrats! How much is your CL?

      • Clyde Said:

        hi! like u guys…received a call from bpi agent last week. i did not expect bpi to be so nice and grant me a gold cc with 200k cl. received a text this morning from bPI..saying i got approved. i got so excited and called their hotline..after a couple of verification from the rep..i was told that the application is approved for a gold master with cl of 200k:) . although the cc account is not yet showing on my online account. im a reg employee with 45k basic monthly pay. i got 2 savings from bpi..payroll and personal..i use the often to pay my globe line and transferring of funds. guess that helps. question lng po…when do i expect to see this on my online account? thank u..and God bless to everyone!

      • C.A.T.Guy Said:

        Wow 45k basic. No wonder you got approved asap. My basic is 18k and other benefits at best I get 35k

      • Clyde Said:

        nice…just saw the new Cc account online!

      • Clyde Said:

        thanks C.A.T! Your blog was really helpful!☺

      • C.A.T.Guy Said:

        You are welcome!

  16. ron Said:

    I just received a call today. I dont know what will happen next. Same as you guys, verify nung una then innoffer na nga ung card. Ayoko magexpect baka madisappoint ako huhu,

  17. I received a call today from BPI Glorrieta, asking if my details are still updated, vinerify nya ung details ko and tama naman, after that she offered me a Gold Mastercard, hnd ko alam kc nag apply na ako sakanila before and na decline ako. Ngaun nabasa ko posts and comments, gsto ko mag expect ng same kaso baka ma disappoint ako, ill better wait nalang for the result 🙂

    • C.A.T.Guy Said:

      Ya. Keep looking at your bpi express online and don’t lose hope

    • mavie Said:

      Kamusta na? Approved?

      • wala pa nga po ee 😦 feeling ko declined hahaha

      • C.A.T.Guy Said:

        Hmm not sure about it but on average, one month ang approval. Check you EON baka andun na ang credit

      • ooh I see, pero wala padin sa EOL, Kusa naman ung magaappear dba? 🙂 Anyways, lets wait and see what will happen next haha 😀 This is not my first CC naman.

  18. mavie Said:

    Hi Guys!! Same thing happened to me. From BPI Makati naman daw and ofcourse verify verify ung details. Nagask din sya kung accept ko ung terms and conditions blah blah, Di naman ako nag aapply or whatsoever. Pero sabe ko I am a freelancer with 20-25k income per month. Then sabi nya wait for the card 15-20 banking days. What do you think guys? What does it mean?

    • C.A.T.Guy Said:

      Congrats!

      • mavie Said:

        Sinabi ko sknila na freelancer lng ako. May chance ba to? hehehe

      • C.A.T.Guy Said:

        Just wait for it, darating yan.

      • mavie Said:

        Do you remember ilang banking days sya nag appear from the date of call sa EOL mo?

    • oo parehas tayo ng situation, di nako umaasa haha 😀 April 18 pa ako tinaawagan till now wala padin update, 😀 haha

      • mavie Said:

        Ako April 22. Sabi naman nila mga more than a week. Check ako ng check ng EOL haha.

      • Same here 😀 haha, bahala na

      • Hi Mavie, my application has been approved today, I received a message. Unfortunately the credit is not reflecting yet on EOL.

        Regards,
        Ron

      • C.A.T.Guy Said:

        Congrats!

      • mavie Said:

        Congratulations to us! I also received a text just today. Approved na din sya! 🙂 Ang saya!

      • C.A.T.Guy Said:

        Congrats!

      • Thanks CAT Guy 😀 muntik na kaming mawalan ng pagasa, hey mavie nakkta mo na sa EOL ung limit mo?

      • mavie Said:

        Yes Cat, thank you so much sa suporta. hehehe Ron, hindi pa rin sya nag aappear e. Okay lang siguro un no? baka one day before mag aarrive ung card saka sya mag aappear.

      • Nagaapear na ung card sa BPI EOL I got 200k credit limit. 😀 im so happy

      • C.A.T.Guy Said:

        Haha easy on the splurge hahaha

      • mavie Said:

        So happy. Nag aappear na sya online and na receive ko na din ung card kaninang morning. Like, sobrang bilis. Love ko na talaga ang BPI. ang problema, hindi ako marunong gumamit. haha. First time cc holder. wala alam.

      • C.A.T.Guy Said:

        Haha maganda ang cc for emergency purchases. Don’t buy something you can’t pay for in a month. Sometimes kasi tempting ang installments lalo na pag 0%, don’t pay for installments if it’s more than 25% of your income in a month. Much better ang iponan mo ito at straight charge (for the points) and then pay immediately.

      • mavie Said:

        Thank you Cat.:) So pag nakakita ako ng item na 0% installment, maooverride ung 3% na finance charge? Ganun ba sya? Hindi ko rin alam ung sinasabi nilang minimum amount na pwedeng bayaran before due date. Panu po pala un? Like, kunyare ang bill ko is 3k then ang binayaran ko mun is 2k. may increase na agad? Naku, hindi ko tlga alam. Hindi ko sya makita sa terms and conditions. 😦

      • C.A.T.Guy Said:

        I’ll make a post para maintindihan hehe

      • wala pa ung akin haha 😀 Mavie, ung installment pag 0% it means divide mo lang ung total price kng gano katagal, 3,6,12,24 months walang interest un so kng 24k tas 24 months means 1k babayaran mo every month. Pero take note na hanggat d natatapos ung 24months or hnd ka nagcacash mahohold ung 24k na naka installment. Kung may limit ka na 50k tas 24k ung naka installment meron ka nalang 26k na disposable na limit. 🙂

      • mavie Said:

        ganun pala un, haha. Thanks ron! 😉
        If meron kayo alam na thread or another blog na pwede kong mabasa pa send naman oh please! 🙂

      • mavie Said:

        Hi Cat! Sge, I’ll wait for your post! Thanks~! 🙂

      • C.A.T.Guy Said:

        Haha posted

      • mavie Said:

        Di ko makita. hehe. Nasaan po?

      • C.A.T.Guy Said:

        Refresh and visit the blog again.

  19. Patrick Said:

    Nagcheck ako kanina sa bpi online kung may sahod na. Meron na! and then nakita ko meron akong cc details at 100k cl. April 18 nga pala may tumawag sakiin na bpi rep.asking kung gusto ko daw ng cc.napa oo nalang ako kasi binati ako ng advance happy birthday.4.20.haha.kaso first time ko lang magkaron ng cc.di ko pa sure kung paano gamitin yun nga tama.pahelp naman po.thanks

    • C.A.T.Guy Said:

      Congrats btw!

    • Bianca Said:

      San po banda mkita ung cl po sa eol?

  20. […] been almost a year ever since I got my BPI Mastercard. It was a bit scary at first because I’ve heard about people incurring very large debts. I’ve […]

  21. MJ Said:

    Me too I received a call from bpi on April 28. I noticed some patterns sa ginagawa ni bpi, you dont need to be a reg employee for you to be approved siguro. in fact mas gusto nila yung alam nila magagamit yung card but at the same time my pumapasok din sa account mo like remittance or payroll if you are a freelancer to make sure you will pay your debts. In fact, twice na q nadecline reg employee pa q nun and then suddenly sila pa tatawag now that i am a freelancer. waiting palang aq sa result.

    • mavie Said:

      Freelancer din ako. Na approve sya! 🙂 It arrived after 5 banking days.

  22. imjaymarkkk Said:

    Got the same case and CL. Expecting my card today.

  23. MJ Said:

    approved na rin.with 200k CL. waiting for the card nlng. 🙂

  24. gen Said:

    Sakin may tumawag din nung una nag doubt ako hehe kinabukasan contact ko ulit pero sakin sa branch kung san ako naka open dun akonpinapapunta para mag sign ng form. Sana tulad nalang din sainyo para mabilis haha so excited!!! 😍😍😍😍😍

    • C.A.T.Guy Said:

      Dasal dasal lang

      At pills!

    • mavie Said:

      hahahha atwa ako sa pills

  25. […] was my first balance transfer and I was curious. I could have paid my BPI Mastercard bill but I wanted to know how a balance transfer […]

    • Monti Yuki Said:

      Got a call fr boi offering gold mastercard today. Ill keep u all posted

  26. Monti Yuki Said:

    Hello , someone fr bpi called me today offering the gold mastercard too! Ill keep u posted… 😉

  27. Menard Elfa Said:

    Someone fr bpi offering gold mastercard, ill keep u posted

    • C.A.T.Guy Said:

      Good luck!

  28. Ewa Said:

    Same here. I received a call today from BPI and they offered me a gold mastercard. 15-20 days din ang sabi niya. Sana din ma-approve. 😊

    • Menard Said:

      Sabi ng nag offer pre approved n daw. Pero nung nag call aq s hotline and i gave d ref number ang sv aubjct 4 approval p daw un. Weell lets see. I dod not apply nmn..

      • Ewa Said:

        Yep. Kelan daw kaya maaapprove? Sana mabilis lang.

      • Menard Said:

        Wala po sinabi. Basta kokontakin daw pero ung nka usap q sb expect the card within 10 to 15 days…..

  29. Ewa Said:

    Good. Let us know kung okay na yung sayo. 🙂

    • Menard Said:

      Sure. No problem . Ill update u guys!

      • Ewa Said:

        I received a text confirmation earlier that mine is approved. 😊

      • Menard Elfa Said:

        Bpi credit card now reflects on my online banking, im jst waiting for the physical card, and yes the credit limit is 200k

      • C.A.T.Guy Said:

        Congrats!

      • Ewa Said:

        Wow. Congrats to both of us. Same here. 😄

    • Monti yuki Said:

      Got a text mesg fr bpi.
      Congratulations! Your BPI Express Credit Card application has been approved. Your card will be delivered in 5 days. For inquiries, pls call 89-100…. call received last friday. Someone offering a gold mastercard… received ds tx today. I wonder wen it will reflect on my online banking? Others said its already enrolled prior to them receiving the card…

      • C.A.T.Guy Said:

        That’s a good sign. Mine appeared after 24 hours

      • Monti yuki Said:

        Cool. I never applied. But i got 1 comin. Hehe

  30. Yolo Said:

    Received a call last May 5, and one call kanina to verify my mother’s maiden name. Sana ma approve 🙂 how much cl ng blue mastercard?

    • C.A.T.Guy Said:

      I think the blue is their classic card. It’s I think up to 50k

      • Yolo Said:

        Received a text just now that my card will be delivered in 5 days. Thanks BPI 🙂 excited to know my credit limit 🙂

  31. Ewa Said:

    Hi Guys, question, is it possible to use my credit card to pay my utility bills online? I’ve tried but only the payroll and savings account are appearing.

    Do I need to register or first or something? Note that the credit card details are already reflecting in my EOL account.

    Can someone shed me some light. Am just a newbie here. Thanks.

    • C.A.T.Guy Said:

      Hi, I’m not sure but it really depends on the merchant. Did you use their website? Or bpi EOL?

      • Ewa Said:

        Ah. I’ve used BPI EOL. I just hope it’s possible as I’m always paying my bills online because it is more convenient for me.

        Another question, dumating po kasi sa office si Air21 kanina but the problem is I went outside to take my lunch. Then, someone texted me na Air21 is in the reception area of our office. So I walked briskly para maabutan ko yung nagdeliver pero di ko na siya naabutan. The receptionist told me na last delivery na daw yun, they will not deliver the card anymore (pero it’s just their first attempt tapos wala ng kasunod). Then ang sabi sakin ng receptionist na sinabi ni Air21 na kay BPI na daw ako makipag coordinate.

        Question, should I contact BPI now or should I just wait for their confirmation na hindi nadeliver yung card? Then, that’s the time that I will request for the branch pick up? Ilang days po kaya tatagal yun? Thanks.

      • C.A.T.Guy Said:

        You can try contact bpi para mabigyan ka ng reference number so you can check air21 delivery

      • C.A.T.Guy Said:

        I always have my mails forwarded to my HR. May C/O HR Dept. Yung address ko which is why tinanggap nila from air21 ang credit card ko. Not sure sa case mo kasi if 1st delivery pa, may 2nd and 3rd pa dapat. If sabi ng receptionist na last na yun, contact BPI na.

  32. Ewa Said:

    They already gave me the ref number when BPIDelivery sent me a message.
    Yep, sabi nila last na daw. Pero yung nasa tracker ni Air21 2nd na yung kanina then kahapon yung 1st pero wala naman dumating kahapon.

    So it’s okay na tawagan ko na si BPI para pick up nalang sa branch? Gano katagal po kaya yun? Thanks. 😊

    • C.A.T.Guy Said:

      Try and see if nasa air21 ang card mo. Walang branch nakalagay? Pwede mo kunin sa kanila

      • Ewa Said:

        Ah. So pwede ko din po pala pick-up-in sa branch ni Air21? Tama po ba?

        Ang nakalagay po sa tracker eh Las Piñas station.

      • C.A.T.Guy Said:

        Tawagan mo muna ang ang branch if nasa kanila pa. Pwede mo sila aregluhin.

  33. Ewa Said:

    Sige po. Will try. Thanks. 😊

    • C.A.T.Guy Said:

      Good luck. About the bills thing, depende yan sa merchant. Kasi dito ang BUSECO namin walang credit card option. You can check sa BPI sa merchant payment, if wala you have to enroll it. Or pay directly sa website ng merchant like I do with my globe.

  34. Ewa Said:

    I don’t know exactly the branch in Las Piñas, so is it okay if I’ll just call their customer service? Or dapat directly sa branch?

    Ah. So hindi po talaga pwede na sa loob ng EOL magbayad ng Globe bills? Dapat sa online account ko mismo sa globe? Tama po ba?

    • C.A.T.Guy Said:

      Actually pwede ka magbayad sa EOL, i think I enrolled my globe accounts in BPI

    • Ewa Said:

      I mean hindi po talaga pwede magbayad ng globe bills using credit card sa EOL mismo.

      • C.A.T.Guy Said:

        I’ll check ha.

      • C.A.T.Guy Said:

        Ahhh, I checked. Walang option to pay using credit card via EOL.

  35. Ewa Said:

    Using credit card po?

    Ang lumalabas lang po kasi eh yung payroll at savings pag magbabayad na.

    • C.A.T.Guy Said:

      Ya, sa merchant website ka talaga mag bayad online like Globe.

      • Ewa Said:

        Ah. Sige po. Thanks for the info Sir. Really appreciate your help. 😊

      • C.A.T.Guy Said:

        No probs. Good luck! Hope you get your card soon.

      • Ewa_ Said:

        Got my card just today. Antagal. Pero oks na din.

  36. Mavie Said:

    Good Afternoon. Just wondering . Panu ginagamit ung mga earned points sa CC?

    • C.A.T.Guy Said:

      I haven’t used them yet but there’s a website through the BPI EOL the rewards section where you can use the points. But abot thousands of points needed to get a substantial reward

  37. Omni Said:

    Oh wow I also got a call from a bpi rep this afternoon I actually woke up from my afternoon nap so the first part of the call medyo di ko maintindihan yung sinasabe basta something like credit card bpi so I thought why not since I did apply a year ago and I currently have two savings and 1 prepaid account with them which I regularly use to pay bills. Medyo di ko sure if sinabe nia na offer but I heard her say that call was my application na daw and she wanted to confirm my details like work, salary, character reference. And with my delivery address she was very specific she wanted to get the exact landmarks ng bahay namin and said if I miss the delivery pwede ko kunin sa bpi branch and that it will take 15-20 banking days nung tinanong ko naman if sure na subject for approval pa daw. Napaka contradicting d ba haha? Although reading your posts nakakalakas mag hope kaso ayoko din madissapoint. Sinabe nia din it was a Gold Mastercard kanina I was thinking baka naghahabol lang ng qouta yung rep. But sana nga malaking tulong din yon hehe. I wonder if everyone here was told outright that the card was approved? Or ako lang yung sinabihan na subject for approval? Many thanks sa sasagot!

    • C.A.T.Guy Said:

      I was told na pre-approved na sya. Yung iba nasabihan ng Subject for approval

    • Menard Elfa Said:

      Pre approved din sb s akin nung tumawag pero nung nag call ako s hotlight using the ref num eh subjct for approval daw pero na approved nmn, 200k CL

      • Omni Said:

        thanks! Oo nga kanina bale wala lang saken yung call I thought it was a standard call lang but upon reading this thread seems we all have the same experience in some degree kaya nagiging hopeful ako sana ma approve din. Actually I have worked in a bank before and I know reps have the obligation to say reminders like this is subject for approval but in some level alam na nila ang sagot but for legalities sake there are mandatory reminders which includes the reading of the terms and conditions tulad ng ginawa saken kanina. Anyway I think she said preapproved or eligible at the start ata I dont remember but I really hope approved din siya. Some took weeks others a few days.

      • Omni Said:

        btw did she ask about your salary and work? Or sinabe na lang kagad na preapproved ? Did she already ask for specific directions to your house for the delivery at the end of the call?

      • C.A.T.Guy Said:

        She asked for my salary naman. As for the delivery, I have all mails delivered to my hospital and c/o the HR dept. So I got my card from the HR.

  38. Omni Said:

    ok thanks a lot!

  39. Omni Said:

    Hi again! I just received a text from bpi saying my card has been approved so happy! Although still no balance showing on my EOL account I was wondering kelan nagreflect sa online accounts nio? Thanks in advance!

    • C.A.T.Guy Said:

      Approximately 24 hours. Good luck

      • Omni Said:

        Thanks! your blog is great!

      • C.A.T.Guy Said:

        Wow thank you very much!

  40. Karen Said:

    geez, same ng ngyare saken . i received a call last week bout the same thing. i was just asked to provide my TIN or SSS. i received a text yesterday morning, approved na daw . i just checked my EOL, a whopping 200,000!!!

    wait ko pa yung card . first time CC owner here. nakakaexcite na nakakatakot. hahaha

    • C.A.T.Guy Said:

      Congrats and good luck!

    • Bianca Said:

      Hello so papano po ang payment if ever kumuha ng installment promos? Pls reply

      • C.A.T.Guy Said:

        You pay in any BPI bank. If you have your money in BPI, you can pay through online BPI or mobile app. There are also other payment centers but I haven’t tried them. You pay monthly installment once you get your monthly bill.

  41. Gino Said:

    I received a text message na approved na da cc ko and ipon checking sa EOL I have 20k CL only. 😦 bakit sainyo galante ang BPI haha by the way branch ko kung san ako nakaopen yung tumawag at nag apply sakin ng Cc baka kaya maliit lang ang cl ko. Kelan kaya ang deliver ng cc?

    • C.A.T.Guy Said:

      Depende ata sa nag CI sa iyo. Mga 2-3 weeks

    • Bela Said:

      Matagal Na yung account Ko Sa bpi pero ni isa Wala Lang nag alok sakin bout cc tapos nakita Ko Iba Laki Ng cL Nila taz ganun Lang income Nila samantalang Ako in and out pera Ko Sa banko Nila pinaka mababa 50k a month. Taz nag apply Ako gold card nag deposit Ako Ng 20k pero Ang credit limit is 16k. Bakit ganun? E unfair naman ata Sa nakikita Kong post Na Ang Laki Ng cL Nila walang Ka hirap hirap mag apply. Hindi Ko pa Na receive yung card pero Bakit Iba weeks Lang sakin umabot pa Ng 1month bago ma deliver.. Pano Ko malalaman approve o Hindi yong application Ko samantala my deposit Na 20k taz sabi 16k Lang cL Ko.

      • C.A.T.Guy Said:

        Secured credit ata yang kinuha mo which is 80% sa deposited account…

  42. Gino Said:

    Zero interest ba pag 1st month ng CC?

    • C.A.T.Guy Said:

      I’m not sure what you mean?

      If you buy something that’s not on 0% installment, you have to pay it when your bill arrives or you will incur interest after cut-off date depending on the interest rate (finance charge) of your card.

  43. Omni Said:

    Received the delivery text yesterday but no tracking number as per bpi they cant provide the tracking number daw. I was wondering how come the others got their s?

    • C.A.T.Guy Said:

      Not sure about that. Just wait for a week.

      • Omni Said:

        Got the tracking number. thanks!

  44. pito Said:

    hi..pina re route k card delivery to branch pick up …may naka experience na ba sa inyi if ilang days before dumating sa branch?

    • C.A.T.Guy Said:

      Someone here di nya nakuha card nya dahil denilver sa branch. May tracking number, pwede mo tingnan.

      • Menard Elfa Said:

        Ako, until now wla p card. Mag 2 weeks n. So gnito un, i received a call friday for pre approved gold mastermard, tuesday received a txt that it is for delivery. Nasa bhay lng aq ng tue at wed- c air21 nag tag n house closed. So end up re route s branch. Ayun until now… Mga 1 week n fr re route request wala p

      • C.A.T.Guy Said:

        Use your tracking number and call cust support air21 about it.

      • Menard Elfa Said:

        Yes, i already called aftr the 2 failed delivery attempt of air21. Since 2x n daw sinubukan eh need n for branch pick up… As of fri last week, waiting p daw for air21… Same din sinabi last thursday…

      • Menard elfa Said:

        And to add… sb ng air21may meno cla s bpi n aftr 2 failed delivery attempt beed n nila i derect s bpi. They can not assist or dsclose n ng any info. So s boi hotline n tlga ..

  45. pito Said:

    aw…so it means mga 2 weeks pa before dumating sa branch..mas toxic pala kasi di me tumawag sa air 21 ..pag tawag ko sa bpi hotline ni request ko na agad reroute

    • Menard elfa Said:

      Im not sure. Iactually mabilis lng tlga dpat ung akin. I think unf aor lw1 tlga ang may issue. Kc lahat ng deliveries nkukuha nmin. Cla lng ang nag iisa n mag tag n house closed. Bka 0ag nkita n parang wlang tao d n nag eefort tumawag. Kubg tutuusin. 4th day fr date n tinawagan aq dpat nasa akin n. Tumagal lng dhil s reroute issue

      • Ewa_ Said:

        Same experience here re Air21 delivery. May 18 pa approved yung sakin pero til now di ko pa nakukuha. Naka 2 failed delivery kasi si Air21 then nagrequest nalang ako ng branch pick up last May 23 pero now wala pa din. Tawag ulit ako mamaya sa branch kung nandun na, pero sabi ng branch last time, May 31 daw expected date of delivery sa kanila pero pwede mas maaga.

  46. Mavie Said:

    Anyone knows kung ano ung Average Daily Balance? Ang alam ko kasi pag ang finance charge is 3.4% ang ung remaining unpaid amount ang base. Pero upon reading the bill, meron dun nkalagay na ang finance charge ay kinocompute based sa average daily balance. Anyone who can explain?

    • C.A.T.Guy Said:

      I read about it in several forums but there’s a computation at the back of your bill or with the documents that came with your card.

  47. littlegurl Said:

    Hi i wud like to ask, what to i do i got my golden cc then when i open it no further instruction only the cc ang laman ng envelope fr bpi. How can i start using it? And ok n din sa eol pero d p dw available. Help asap wanted to cash advance sana emergency

    • C.A.T.Guy Said:

      It’s already activated. You can go to the nearest BPI and take advantage of their C2C credit to cash

      • Bianca Said:

        Hi is there any question or requirements when i will avail the c2c?

      • C.A.T.Guy Said:

        Yes, dapat 3 months old ang credit card mo. Versus BPI na pwede agad

    • Omni Said:

      Hi may I ask how long it took for air 21 to deliver your card? Thanks!

      • Menard elfa Said:

        Well.. mabilis lng pero suguraduhin n may tao s labas ng bhay. Kc aqin. In 1 to 2 days deliver pero tagged as house closed. Eh nasa bhay lbg aq. Ayun re rout s branch. Till now wala. Matagal if re route n.

      • Ewa_ Said:

        Yep. It’ll be very very quick that you will be surprised that they came and you didn’t notice. Like what happened to me, they came to the office even before BPIDelivery texted me the tracking number. That’s why I missed it.

        I requested for a branch pick up last Monday and I just got my card today.

      • Menard elfa Said:

        Got mine ndin….

      • Omni Said:

        I see.. I hope they deliver mine nang maayos as per the website it is in thedelivery vehicle na but its already 630 now I wonder f they will deliver tonight

  48. Omni Said:

    Cant say Im surprised. Tracked my delivery and it says house closed 12 noon- really? dame tao dito and the windows were open nakakapagod mag antay really waited pa naman to avoid the hassle of it being rereouted and it seems they didnt even make an effort not even a phone call. How disappointing. Sana they will really deliver by tomorrow.

    • Menard elfa Said:

      I agree. Same din ung sentiment q. Wlang kwenta ung air 21. No effort tlga. Tsk tsk…

      • Omni Said:

        Gusto ko mag complain kaso ang tagal ng wait time sa customer service nila. I pray sana nasa mood sila mag deliver bukas sana lang talaga hayst. Its so contrary to Bpi’s fast processing they should seriously consider a different express company di match sa efficiency ng bpi

      • C.A.T.Guy Said:

        You can give feedback to BPI if you want

      • Ewa_ Said:

        Yes. Same here.

      • Menard elfa Said:

        Pero got mine n s branch knina 🙂

    • Menard elfa Said:

      Nag feedbck n q both aor21 and bpi. Sabi q wlabg effort nag air21. Tsk. Pero hanggang dun nlng un… mbilis tlga bpi. Pabgit lng ung taga deliver nila.

      Quafion pag b gold mastercard k malaki chance maging preffered k? At pag gold mastercard pwede b s preferred line k pila o dpat preffred customer k tlga. D automatic pag gold. Though ipwede nmn aw pumila s preferred line kc meron aq ARC – AYALA Rewards.card. automatic pwede n s globe at bpi preferred client lines.

      Gusto q lng malaman

      • C.A.T.Guy Said:

        I’m not sure. Di ko pa na – try yan eh.

  49. pito Said:

    anyone here naka try na mag c2c?

    • C.A.T.Guy Said:

      I did. Just go to a bpi bank, fill up a form, write there what BPI account they deposit and they swipe the card.

      • pito Said:

        how many days ang process?

  50. gen Said:

    Pano ba yung nandun sa website ng bpi yung free interest for the 1st month? new purchases. pag ba bumili ako pag received ng card ko wala interest kahit di ko sya pay ng full for first month after due date? ganun ba yun?

  51. Polly Said:

    I also got a call from BPI, assistant manager from one of the branches. According to her I am qualified for a pre approved credit card because of my existing payroll account with them. May form din sya na sinend via email for my signature, then I was advised to wait for one to two weeks for the delivery of the card. Until now wala pa update and still patiently waiting.

    • C.A.T.Guy Said:

      I guess that form is a new process. I’m not sure but I didn’t have that. Most of the people here didn’t have forms to fill-up.

    • Menard elfa Said:

      I did not fill out any form. I jst received d card. 🙂

  52. Polly Said:

    The form that I fill out was only for my name, birthdate and signature. No other info was asked and it is not the regular form that we fill out pag naga-apply ng cc na sobrang info yung hinihingi.

    • em em Said:

      Hi did u get ur card already?

      • Polly Said:

        Called BPI hotline sabi processing pa daw and intayin ko na lang yung text pag idedeliver na yung card. Update ko kayo soon.

      • C.A.T.Guy Said:

        Good luck!

      • Polly Said:

        Hi, just got a text message from BPI this morning.. Approved na daw yung CC and it will be delivered early next week :p

      • C.A.T.Guy Said:

        Congrats!

      • Polly Said:

        Hi, I finally got my credit card. After 2 failed deliveries from Air21.. I received it last July 16.

      • Amy Said:

        How come i got a txt from BPIDelivery saying that i have a credit card on delivery but air21 said it failed to be delivered in my house. The thing is i alrdy have the credit card? Could it be the e-credit mastercard?

  53. Mavie Said:

    Sobrang nakakagigil ung Air21 promise. Ung tipong nasa bahay ka lang maghapon biglang house closed daw? Anak ng tipaklong. For card replacement ako, 1 week na nakakaraan. Hindi yata sla naturuan paano kumatok. Bwisit.

    • Menard elfa Said:

      Totoo po yan. My card should be delivered 3 days aftr d pre approved calls. Since house clised lng nilalagay ni air21. Inabot ng 2 weeks… tsk tsk

  54. Jeff Said:

    Hello to All,

    Same experience happen to me last tuesday ( JUne 10) A BPI from legazpi-salcedo branch call to me to update daw my contact details. After that sabi nya qualify daw ako sa BPI GOLD MASTERCARD and tinanong ako kung gusto ko daw mag apply to proceed application no documents required to pass daw. 100% approved na kaya ako dun? If yes gano katagal? kasi ilang beses nako nag apply sa BPI kahit yung classic mastercard lang laging decline eh. Salamat sa sasagot.

    • Jeff Said:

      sorry correcttion lang it’s (June 8)

    • Mavie Said:

      For me, it is 90% approved na. Just to give you heads up, actually I never attempted to apply for a credit card in any banks kasi I know na declined lang ako.
      1. I am just a freelancer.
      2. 2 years nako nagwowork as a freelancer.
      3 I only have easy savers account with them, though regular ang remittance na natatanggap ko from my work.

      I know pag ganun most likely disapproved na diba?
      Pero natanggap ko parin ung card ko 🙂
      Like, sobrang surprised ako kasi d ko namn expected na ma aapprove sya.

      So, congratulations in advance.

      • Jeff Said:

        Happy to hear that! Habang binabasa ko nga yung thread sa blog nato lalo akong nag expect na ma-approve talaga ako kasi same scenario lahat ng nangyari satin. Hopefully approved nga. Keep all of you posted. Thank you!

      • Jeff Said:

        Hi to all!

        No updates padin till now. Mag 1 week na sya tom.

      • C.A.T.Guy Said:

        Dasal dasal lang.

        At pills.

        LOL

      • Jeff Said:

        Sana ma-approved nga kasi twice nakong nag aaply sa kanila ng CC laging dis approved eh. Ilang days po ba kayo natext or nakita sa eol after matawagan? Salamat!

      • C.A.T.Guy Said:

        May iba 3 wks

      • Mavie Said:

        Ako more than a week tinext. Actually 4 banking days palang naman sya.So don’t lose hope. Expect mo ang text ng June 17 or before. Kasi ako nun April 29 tinawagan. May 6 ako nareceive ng text na approved sya.

      • Jeff Said:

        Hi to All,

        Until now wala pang text at wala pa sa EOL ko. May pag asa pa ba to o pinaasa lang ako ng BPI? LOL

      • C.A.T.Guy Said:

        Kelan ka natawagan? May iba kasi umabot ng 1 month

      • Jeff Said:

        June 8 Sir..

      • C.A.T.Guy Said:

        Ay, masyado pa maaga hehe. Yung iba at best 21 days.

      • Jeff Said:

        Ok Sir! Hopefully ma approved talaga ako. Kasi worried ako 2 times na akong nag apply ng CC sa BPI laging decline eh.

      • Jeff Said:

        Yey! Just minute, Got a call from BPI and said My appplication for BPI Gold Master Card was approved. Thanks for this blog.

      • C.A.T.Guy Said:

        You’re welcome! Congrats!

      • Mavie Said:

        Oh dba. Told yah mga june 17 yan. hahahaha

      • C.A.T.Guy Said:

        Hahaha in fairness naging forum tong post ko. I’m glad nakatulong kahit papano.

      • Jeff Said:

        Hello to all,

        tanong ko lang pwede bang mag credit to cash yung 100% ng credit limit mo? Thank you

      • C.A.T.Guy Said:

        Parang mahirap yan. Usually most banks allow only 75% for c2c SIP

  55. Omni Said:

    I think standard na ng air21 yan since delikado actually magdeliver ng activated card sa ibang bansa the cards are not yet activated when delivered kase di nga safe. Andlets say family member naka receive they can easily use it and then mag dedeclare ng lost card or fraudulent use si cardholder after since di siya gumamit. So I suggest better to have it routed sa bank instead I noticed quicker sila pag branch pick up instead of waiting for that two attempts na house closed ilalagay. Best to learn from other s experiences here.

    • Menard elfa Said:

      Nung inofer ang card s akin ng bpi sb q for branch pick up nlng. Sb ng nkausap q di daw pwede. Dpat daw i deliver tlga s bhay… tpos if d daw madeliver for some reason dun plng pwede i request for branch pick up

      • C.A.T.Guy Said:

        Not sure if the HR option is okay for you guys. That’s what I asked. Pina drop ko sya sa HR dept ko. Then again, government hospital ako nagwowork so I guess ok for them.

      • Omni Said:

        Thats strange kase nung ako tinawagan when I asked when it will be delivered they also offered branch delivery instead.

  56. Miles Said:

    Hi ako din last monday i received a call from BPI an1d they offered me Master Card GOLD` hopefully ok na same process din ang pag interview sakin hehehheeh Godluck sa atin hehehe 😉

    • Sam Carlson Said:

      May confirmation sms na ba sayo?

      • Miles Said:

        yes I had last Saturday.. I even called BPI toll free and my card was delivered last Friday

      • Miles Said:

        pero di ko pa natanggap hehehhe

    • Bianca Said:

      Hello may tracking number b cla pnoprovide?

      • C.A.T.Guy Said:

        Yes. Usually nasa text message or sa email.

      • Bianca Said:

        Hello i received na po the card… question is how to avail po kaya cash advance do i need to go sa bank or nasswipe po ba sa any bpi atm machine?

      • C.A.T.Guy Said:

        Don’t cash advance. Laki ng interest plus Finance charge.

      • C.A.T.Guy Said:

        Go to BPI inquire about the credit to cash option. You can loan and pay up 3 years installment

  57. careScare Said:

    received a call last week for CC application. not really interested about it because of my previous experience with CCs when i was still free-spirited. i never dared applying for one anymore because i am insecure about my spending habits. but now that i matured, i need it for emergency purposes. so when they called last week, i said “ok” thinking that i will be rejected anyways. but this AM, i received an SMS saying that the card will already be available w/in 5 days. while others may be excited receiving that message, i am more weary.
    anyway, like you, i was also using BPIs debit card for years. debit card makes you more responsible, because you only spend within your limits. at times, i blame my regular debit card usage for bringing me back into this CC scenario. really hesitant about owning CC (except when i think about emergencies). guess i need to prove i’m responsible again *sigh*…

  58. pixie Said:

    Got a call today from BPI, same scenario. the guy checked if my info is still updated, ( i have an account with them for payroll) then he asked if i was interested to apply for a credit card, i think he said GOLD MASTERCARD., anyway, tinanong niya ako kung ano daw tin ko or sss ko, i gave him my sss # tapos hiningi parin niya TIN ko, then he said 20 business days daw yung processing, nag apply na kasi ako ng CC sa bpi before twice na kaso sawi, ,medyo hindi ako natuwa kasi alam ko maddisappoint lang ako. i asked him kung paano nila piliin ung mga tinatawagan nila, ang sabi niya sa akin, yung cards department daw nila ung nag ccheck ng mga account and binibigay sa kanila yung info ng mga prospects, i asked him kung gaano kalaki yung chance ko maapprove, sabi niya hindi daw siya sure. then i asked may mga na ddecline parin ba na application kahit galing sa cards department nila yung prospects, sabi niya sa akin meron parin daw na ddecline. when i saw this page, medyo nabuhayan nanaman ako, sana talaga maapprove. update ko kayo.. pansin ko active parin mga tao dito. nakakatuwa kasi matagal na ako naghahanap ng makakausap tungkol sa ganito.. 🙂

    • Menard Said:

      For sure approve k nyan, hehe. Haba n ng thread

      • pixie Said:

        nakakatuwa nga eh. sana talaga ma approve, kasi i received a call from bdo ata asking kung gusto ko daw ba mag apply ng CC mga late last year, sabi pre approved daw, biglang declined.. if ever ma approve sana hindi ako mahirapan sa delivery nila, lagi pa naman walang tao sa garahe, compound kasi yun. MENARD, ano CL mo.. if you dont mind me asking.

      • Menard Said:

        200k po CL. Nku aftr 2 fsiled delivery attempts po pwede k tawag 89100 para bpi branch pick up nlng…. 🙂

      • C.A.T.Guy Said:

        Yep.go

      • Miles Said:

        Hi.. Hope someone can answer me 😀 I called BPI toll-free sabi approved na ako with CL of 200k then my card was shipped last Friday when mag reflect and CC info sa EOL? then this week kaya madeliver na and card? or pwede na ba magamit ang CC kahit di pa nag appear sa EOL ko? thanks ,,Happy Father’s day sa lahat ng mag tatay ;D

  59. Miles Said:

    Hi same with me I received a call from BPI rep last Monday then I got a text message no that I my CC was approved,,HAppy 😀

  60. Awts Said:

    I applied for BPI Gold Mastercard last May and I received the card last week but sadly they gave me a Blue Mastercard instead of Gold Mastercard. I’ve already read the requirements for Gold card at pasok naman ako sa requirements. Ano kaya nangyari dun? Anyone knows why they gave me a blue card insted of gold card? I am really disappointed since this is just a basic card and has a low credit limit compared on my other CC in other banks.

    • Sam Carlson Said:

      Magkano credit limit mo sa blue card?

  61. Sam Carlson Said:

    Hi! Good day.. Same here.. I received a phone from a BPI rep saying that i am eligible for BPI Gold MasterCard last June 08, 2016. Tapos i received an SMS last June 18, 2016 na approved na daw ang application ko. Kailan po mag rreflect sa EOL ang info? Salamat sa magrereply.. Thanks in advance.. Happy Fathers Day everyone…

    • C.A.T.Guy Said:

      14 days or 21. Hehe

      • Sam Carlson Said:

        Kailangan ko pa ba mag activate ng card?

      • C.A.T.Guy Said:

        Nope. Pre-activated na ang card.

      • Sam Carlson Said:

        Magkano kaya credit limit ko? Hahaha excited lang.. May magttxt ba sayo pag on the way na ang card?

  62. Miles Said:

    Hi sakin nagtext na for delivery then ngareflect na rin sa EOL ko hehehe

    • C.A.T.Guy Said:

      Congrats!

      • Miles Said:

        Thank you po..:0 When kaya ang card madeliver? heheheh

      • C.A.T.Guy Said:

        I guess 5 banking days. Kung bahay nyo, iwan ka auth letter with ID

  63. Miles Said:

    Oh I see thanks po maybe this week po darating na 😉 pag nagreflect po ba sa EOL oka na ok na po ba yon? heheheheh

    • C.A.T.Guy Said:

      Yes ok na yun

      • Miles Said:

        wow thanks po 🙂

      • Miles Said:

        Hi po I have heard from my freind she apply for credit to cash of 150k pede pala? 🙂 agad agad pinana yos nya bahay nya…approved agad.. shock naman ako hehehe

      • C.A.T.Guy Said:

        Yeah but do note, malaki laki ang Monthly mo nyan even for 3 years to pay. So be careful.

  64. Daisy Said:

    hi same here…,, i got a call tas just few days lang approved at deliver agad, Im a new user of bpi cc gold, ang tanung ko po ay, if mag purchase ako ng 0% sa departstore and payable for 3 months, may magiging additional charge po ba sa billing ko monthly?

    another question po, according sa bpi if mag cash advance daw, meron pong 4% of interest, paano po yan maliban sa 4% may dagdag parin ba silang interest lets say payable for 4 months? if meron magkano?
    … thank you

    • C.A.T.Guy Said:

      Wala basta zero percent. Make sure to read the fine print. I think they charge the 4% immediately once you cash advance however if left unpaid for months you incur finance charges which can be humongous

    • C.A.T.Guy Said:

      Kaya it’s better to credit 2 cash or c2c.

      • Daisy Said:

        thank you for the answer :)… what is credit to cash po?

      • C.A.T.Guy Said:

        It’s turning your credit into cash. It’s different from a cash advance where you swipe your card in an atm to get cash. That’s 4% automatic interest and can sometimes cause finance charges.

        Credit to cash gives you money equal to credit and allow you to pay it in installments with low interest rates. Sometimes less than 1% a month. I’ve used c2c for 100k in 3 years to pay. I think I’m paying approximately 3.7k a month.

        But use it for emergencies.

      • Daisy Said:

        thank you again.

      • Mavie Said:

        Hi Cath! Panu ung process ng credit to cash nila?

      • C.A.T.Guy Said:

        Just go to any BPI express bank. Fill up a form, and swipe your card to charge. You can have it deposited to a bpi account.

        Btw I’m Bryan lol.

      • Mavie Said:

        Wahahaha. I’m sorry! Kala ko CAT name mo. Sahree na po. hehehe anyways, thank you!

      • C.A.T.Guy Said:

        Ok lang. Hehe

      • Bianca Said:

        My interview interview po b etc to avail c2c?😀

      • C.A.T.Guy Said:

        I think I remember a phone interview and sometimes they call your work place to check if you do work there.

  65. Pixie Said:

    My Cc app was approved. Ngayon problema ko na lang yung delivery. Sana marunong na sila kumatok. Hinanapan ba kayo ng id?

    • C.A.T.Guy Said:

      They are supposed to

  66. Ashley Morales Said:

    Mine reflected in my EOL yesterday waiting for my card, kahit you specify na ba the time and day na prefer delivery mo di ba susundin ng Air 21 yan. I am from cavite mas matagal ba delivery sa akin kasya sa mga tiga manila.

    • C.A.T.Guy Said:

      It’s possible, the courier won’t or can’t follow the requested date and time. Kaya sa akin sa HR ng workplace ko.

  67. gelpatsky Said:

    hi guys! i also received a call from bpi awhile ago an agent offering me a gold mastercard and no other documents needed daw because of my relationship with the bank? that was shocking… i just have to wait for 15-20 days, so i said yes but not expecting too much because the funny thing is i just applied last month for a credit card from them and was declined… do you think this will still be approved even if i had a recent application that was declined? thank you much!:)

    • C.A.T.Guy Said:

      Some people here had declined applications prior to getting their card.

      • gelpatsky Said:

        oh i see, its just that wala pa nga yatang 1 month since i applied from them and was declined thats why nagtaka lang tlga ako ngaun… well i hope it really gets approved…😁 bec if not, i may be the first one in this forum who gest declined… lol…i’ll keep you posted… thanks bunch!😊

  68. car Said:

    Hi i got one of my GOLD CARD as well, and im grateful i had it,:)

    • C.A.T.Guy Said:

      Congrats!

  69. pixie Said:

    ilang days bago niyo nakita sa eol niyo after niyo makareceive ng text na for delivery in 5 business days? sakin kasi wala pa sa eol ko..

    • C.A.T.Guy Said:

      It depends. Some saw it int about a week or so. Others, 3 days.

      • pixie Said:

        i see. thank you c.a.t guy for the reply. 🙂

        i have a question for you, what are the things that you think that shouldn’t be charged sa CC when making a purchase para mas makatipid. like groceries, etc.

      • Miles Said:

        Hi po good afternoon pag nasa EOL pa lang walng card di pa magamit sa online payment ng bills? Thanks po

      • C.A.T.Guy Said:

        Yep, and BPI doesn’t have a charhe to card function in EOL.

    • pixie Said:

      wala pang 24 hours from receiving the text nasa eol ko na.. yipee. card na lang.. 100k CL ko. yung sa friend ko 125k

  70. Bianca Said:

    Hi can i pay my credit card bills thru my debit card?

    • C.A.T.Guy Said:

      BPI debit card? If you have an atm card, it comes with an account. You get the money from the account to pay for the credit card.

      • Bianca Said:

        How about the cash advance feature… do i need a pin first to access..

      • C.A.T.Guy Said:

        Yes, you have to go to the nearest branch to nominate a pin. But I’d advise against it. The rate is high. If you miss the payment, the finance charges pile up.

      • Bianca Said:

        By the way no need to activate the card ryt? Coz once delivered its already activated? And ready to use po dba

      • pixie Said:

        what i did was, i called BPI and inquired about the pin for cash advance, sabi sa akin ng rep he will send a letter with the pin for my cash advance tapos palitan ko na lang sa atm.. which he did and i got it. 🙂

  71. Bianca Said:

    And how long po kaya delivery ng card nila..mine is already showed in my eol..is it true that in 5 days will be delivered…

    • C.A.T.Guy Said:

      If walang problema with air21 or the courier

  72. misshappydoll Said:

    A BPI representative called me too earlier saying that I am among one their selected clients to avail of a gold MC without any other requirements/docs needed. It also comes with a free annual fee for the 1st year. i’m still quite hesitant to get it because it’ll be my first time to have one. anyway my next question will be this: how much will be the annual fee for the 2nd, 3rd, 4th year and so on? quite worried it might be too expensive.. any thoughts?

    • C.A.T.Guy Said:

      The annual fee is Php 2,250 which I consider a fair one since the services in BPI are more than satisfactory. They’ve got a good website, their customer support isn’t too bad and the banks/atm are okay.

      Anyway, if ever you get your card, you can use it for 1 year and if you feel like you don’t like to pay the annual fee, call them to either waive the annual fee for that year or cut your card. Usually they’ll rush to waive your annual fee if you opt to have your credit card cut.

  73. Miles Said:

    Hi Po 🙂 Until now wala pa po delivery ng card but I have recieved saying that my card was on it’s way last June 24 pa nag message now wala pa rin heheh excited lang po 🙂

    • C.A.T.Guy Said:

      Wait lang. Darating yan. Check EOL if andun na.

      • Miles Said:

        nasa Eol na po hehehe pero still waiting for the card 🙂

  74. Kaycee Said:

    Hi same thing here last tuesday my tumawag na i was approve dw ng bpi mastercard he ask me questions etc. Then today i received an email na approved na daw..tapos kanina umaga nakaalis ako my dumating na na magdedeliver ng card eh wala ako nag iwan sila bg form auth letter tsaka id dw tapos balikan nila bukas ng umaga.. hays praying na sana bumalik sila tom

    • C.A.T.Guy Said:

      Usually they try 3 times. Good luck!

      • Kaycee Said:

        Ahh ok thanks sa info bryan! Very helpful tong blog mo as in! Sana mmya bumalik pa si manong courier😊

      • C.A.T.Guy Said:

        No probs.

  75. gelpatsky Said:

    Hi its me again, after 7 days i just received an sms today saying i got approved na with a CL of 200k and card will be delivered within 5 days, question is dapat ba kasama sa txt nila yung tracking number or will i have to wait for another text/email indicating the tracking number? Thank u!:)

    • Jeff Said:

      included sa txt yung CL mo?

      • gelpatsky Said:

        Hindi po ksama sa txt nakita ko sa eol, pagka receive ko txt kanina check ko agad ung eol ko ayun nakalagay na agad, nakakagulat kasi unti lang laman accnts ko.. So un…

      • C.A.T.Guy Said:

        Walang CL sa text. Sa letter lang

    • Miles Said:

      Hi 🙂 sa akin di included yong CL info sa text 🙂 nakita ko yong CL ko sa EOL ko na.. until now di pa rin dumating card ko 🙂 waiting mode >>.

      • Jeff Said:

        Magkano CL mo miles?

      • Miles Said:

        @Jeff: 200k ;D

    • C.A.T.Guy Said:

      Supposedly may tracking number ang text message. Wait na lang sa email.

      • Miles Said:

        Sa akin po walang tracking number:( kahit pagtawag ko sa Toll free ng BPI di sila nagbibigay 😦

  76. Kaycee Said:

    Hi..yey just got my card now pang 2nd attempt nila wala kasi ako kahapon..ang bilis last tuesday lang ako tinawagan then kahapon dineliver na…😊..no need to activate the card right? Btw for cash advance wala na bang pin needed? Sorry 1st time here😊

    • C.A.T.Guy Said:

      Congrats! Yep activated. For the c2c just go to the nearest BPI and fill up the form. Swipe lang nila yan.

    • Miles Said:

      Hi 🙂 buti pa sayo andyan na sa akin now wala pa T-T

    • instraksyons Said:

      What courier ginamit nila? Hindi na Air21? mabagal kasi sila sami eh

      • C.A.T.Guy Said:

        I think they still use Air21 but if not, I’m not sure what they use now.

  77. instraksyons Said:

    Hi, guys. Isa rin ako sa natawagan ng BPI ang nakakatawa nun less than 500 lang nasa bank account ko sa kanila. Ginagamit ko lang kasi yung BPI account ko for online purchases and for paying bills. Tumawag sila last June 17 tas sabi upupdate lang details ko tapos ayun, nag offer din ng Gold MC. Eh wala pa akong CC kasi freelancer lang ako. Tas kaninang umaga may nareceive akong text na approved nako and nakita ko EOL ko may 100k na. 🙂 Can’t wait sa card. Sana hindi matagalan, taga baguio pa naman ako.

    • C.A.T.Guy Said:

      Congrats!

      • Kaycee Said:

        Air 21 parin ung courier na nghatid ng sakin last Tuesday

    • gelpatsky Said:

      Hi taga baguio dn ako..at parehas tau unti lang laman accnt and often use my bpi for online paymentst.. Hehe anyways hopefully madeliver dito sa atin sa baguio soon..

      • instraksyons Said:

        Kelan ka naapprove? 🙂

      • gelpatsky Said:

        Kahapon lang nakareceive sms na approved na, baka sabay ideliver dito baguio satin

      • instraksyons Said:

        Nakatawag na din ako kanina, grabe din customer service nila hirap tawagan. Sabi nung girl nakapending pa daw for delivery, nagbigay ulit ng ref# anu ba yun haha mukhang aabot talaga ng 1 month.

  78. Miles Said:

    Hi Po:) sakin until now wla pa a g card huhuhu

    • instraksyons Said:

      Baka parating na sayo 🙂 5 days ang sabi eh. Ako kasi nasa province kaya expected ko na mas matatagalan.

      • Miles Said:

        Last message ko from BPI was June 24 pa

      • C.A.T.Guy Said:

        Ah, iba dyan almost 1 month

    • C.A.T.Guy Said:

      Ilang weeks na sa iyo?

      • Miles Said:

        two weeks na po pero nag caal na po ako sa toll free nag requests sila ng rush delivery nag kukupad ng mga taga Air 21 haizt 😦

  79. Miles Said:

    Hi CAT GUY.. I need your advise please.. I called BPI toll free this afternoon.. sabi nila nabalik daw yong card ko sa delivery dept. ng BPI kasi sabi ng tamad na AIR21 “unknown” daw ako sa place namin hahahaha nakakatawa nga akala ko ba 3 attempts sila? hay so disappointed with the courier so re route daw uli for branch pick up na lang pero sana maging okay na 😦 Thanks po

    • instraksyons Said:

      May nareceive ako text unsuccessful delivery daw.nkakapagtaka kasinasa bahay lang ako. Tapos bahay nmin tabi lang ng kalsada Ang hirap pa tawagan hotline nila number. Sana pinarrange ko na lang na pick up sa branch. May nareceive akong email sa kanila pero welcome message lang walamg tracking

      • Miles Said:

        Sa akin walang text na na undeliver,,,until na panay kulit ng kulit ako sa BPI Toll Free..sabi for Branch pick up na lang 🙂

      • C.A.T.Guy Said:

        I’m not sure ha. But most of us got tracking numbers. Either through text or email.

      • instraksyons Said:

        weird naman, tinanong ko pa sa customer service sabi ref# lang daw binibigay nila. Oh, well

  80. Liahg Said:

    Hi I receive a call last tuesday. Sb pre qualified for blue mastercard. Is it already approve or pwede p mdecline..?

    • Miles Said:

      Yes approved na yan 😀

    • Jeff Said:

      100% approved na yan.. But dont expect highest CL ah? Since blue card lng inoffer sau

  81. Miles Said:

    Thank God dumating na sa bahay na address at LBC young courier 🙂

    • C.A.T.Guy Said:

      Nakuha mo na?

      • Miles Said:

        Hi Po 🙂 YEs po hinatid naman sa nahay LBC po 🙂

    • instraksyons Said:

      Congrats! Ako pinareroute ko sabi ko pickup ko na lang sa branch nila. Ayun 6 banking days daw to wait.

      • Miles Said:

        hi Ganun din sakin for Branch pick up pero shock ako hinbatid ng LBC sa bahay hehehe:)

      • instraksyons Said:

        talaga? hehe sana ako din 😀

  82. Amy Said:

    How come i havent got my cc? i joined their express start program. I filled out the form mga june 17. Till now wla pa although nakita ko sa EOL hinold na yung agreed amount. By the way BPI FAMILY ako nagfile ng form for cc.
    Im thinking to cancel na lang, cos mejo malaki ang mga nkalagay kong money sa bpi savings and bpi family maxi savers ko pero wla namang tumatawag to offer me a cc. Nakakainis lang. I dont feel valued. Lols. Pls anyone enlighten me

    • C.A.T.Guy Said:

      Hi. I’m not sure with BPI Family. Lots of us here are with BPI express. as I understand, magkaiba ata ang family and express.

      • Amy Said:

        Hi cat guy thanks for the reply. Bpi express you mean bpi islands? I have bpi islands savings accnt and palagi naman may laman and i use it to pay my bills which started less than a year ago..

        Nakakapagtaka lang is wala pa daw akong record of application for my cc when i emailed them pero hinold na nila ung amount. Haay kainis. Ill call tmrw the agent na nagprocess and ill cancel nlng. Hindi kaya nascam ako lols

      • C.A.T.Guy Said:

        If lumabas na sa EOL, ok na sana yun

  83. AJ Said:

    nagapply din ako online ng cc, then nakreceive din ako call from bpi nung una hinihingan ako ng SSS and Tin sabi ko remittance ung money ko. Di ko sinabing freelancer ako. Then sabi nila not needed na daw since remittance. Then me tumawag ulit hiningi statement of account ko and COE. di ko na matandaan exact date, last week. freelancer din ako pero malaki laki din ang pumapasok na nakalagay as remittance sa bpi ko. minsan, malaki balance ko minsan nazezero din but ive been a bpi account holder for years.im so anxious. sana mapprove din ako gaya nyo.

    • C.A.T.Guy Said:

      Good luck. Kami dito yung natatawagan kahit di nag apply and got offered a gold mastercard.

      • AJ Said:

        san banda makikita sa EOL un? kasama ng savings account mo with them? Thanks for the replies.

      • C.A.T.Guy Said:

        It’s a separate item below savings. May sariling row sya.

    • Amy Said:

      Have u seen nba sa eol kung meron kna?

      • Miles Said:

        YEs dapat na sa EOL mo na 🙂 Try to call BPI toll free 😀

  84. Gail Said:

    Hi..
    July 1 Friday 3pm may missed call ako from 7952500. Sempre may pasok ng gabi kaya naka silent ang phone, dedma na. Ee nung July 4 Monday nasa palengke kami tumawag edi sinagot ko na, BPI nga! Blue card ang inoffer. July 11, kahapon ko nareceive ang CC haha kakagulat di ka nag apply at di ka umasa pero ginising na lang ako ng asawa ko from my afternoon nap “My, anjan na BPI mo” sabi ko pa tanggapin mo na lang wala yun sulat lang yun sabay sabi nya “uy, yun credit card mo yun bumaba ka na!” balikwas ako walang mumogmumog kasi nagwawala din mga aso ko kasi may ibang tao. ang haba na ng sinabi ko hahaha anyway activated na ba tong CC, di ako makatawag sa hotline nila using mobile phone. Chaka napansin ko sa leaflet, parang ang onti ng establishments na tumatanggap ng new contactless credit cards nila. Anyone else may alam na update kung saan pa pwede magamit ang CC? Usually kasi Megamall kami bihira sa Robinsons kunyare gusto maiba lang hahaha saka lang kami magRobinsons lalo na yung ePlus tap to pay na SM Cinema card ee sa Megamall lang kasi dun kami malapit. Activated na ba yung mga nakareceive ng cards from BPI? and saan updated list kung saan pa magamit etong contactless cards.

    • C.A.T.Guy Said:

      Magkano limit?

  85. Gail Said:

    Nga pala, hindi din ako nakatanggap ng text na approved sya kaya hindi ako umasa. Dumating na lang yun CC. 🙂

    • C.A.T.Guy Said:

      Siguro malapit kayo sa bank na nagpadala

  86. Gail Said:

    Weird lang nagpost ako ng comment pero di ko pa nakita.
    paki remove na lang in case nagduplicate.

    July 1 Friday around 3pm may missed call ako from 7952500. pang gabi kaya deadma sa tumatawag. Monday July 4 mga around 11:30am habang nasa palengke kami same number tumatawag, tagaBPI pala yun number na yun then nagcheck ng information or update chararat ganun at kung tatanggapin ko daw ang blue express credit card from BPI sabi ko sige gora lang. then 15-20 days daw approval, etc..wala naman ako nareceive na email or text na approved yun basta kahapon July 11 ginising ako ng asawa ko ” ‘my, anjan na BPI mo” sabi ko lang edi ikaw na, tsk! sulat lang naman yun na declined.. “uy, yun credit card mo yun, bumaba ka na kaya!” hahahaha edi tayo ako walang mumog-mumog suot ng bra tas maingay pati mga aso ko kaya nagmadali lang din ako bumaba hahaha..sabi ni kuyang air21 “mam print name and signature po dalawa” then kinuha nya company ID ko yun TIN card dineadma ni kuya tas habang nagsa-sign ako parang may dalang maliit na scanner si kuya para makuhanan or ma-scan yun ID ko.

    any way gusto ko malaman kung activated na ba to? mga dude? tsaka napansin ko sa leaflet ang onti ng establishments na nag-accept ng contactless card. and pwede pa rin ba itong i-swipe kahit pa contactless ang card na binigay?

    • Star_s Said:

      A tivated na po yan. How m7ch credit limit mo? 🙂

  87. Polly Said:

    Hello again! After more than a month of waiting til now hindi ko pa din nakuha yung card ko. Though alam ko na kung anong card yung na-issue sa akin, it’s BPI Skymiles credit card and the info already appears on EOL. and just like the others here Air21 ang courier and “house closed” daw ang bahay kaya failed yung delivery 😦 now I’d still have to wait para ma-deliver ulit. I don’t know how long it would take (again) pero sana naman makuha ko na this week.

    • Amy Said:

      Wow may ganito plang situation na kahit nagappear na ung card is ang tagal bago madeliver.

      Finally BPI txtd me this morning my card will be delivered within 5days.. But hindi ko pa din nakikita sa eol ko.

      Does anyone know if security bank can give credi card kpag malaki ang inopen na savings accnt?

      • KHRISEL Said:

        I don’t have an account with security bank but they approved my credit card application.

        Try mo magapply! Mabilis lang you can even check the application status online.

    • Polly Said:

      Finally got my cc last July 16. Air21 pa din nagdeliver.

  88. Amy Said:

    Got my cc. Very fast ang delivery!

  89. Shela Said:

    Got mine last week..someone also called me and i went to the bank to sign something and ARC form …i got the gold ccard after 1 wk…500k CL! Siguro kase Loyal and good customer ako sa kanila and been using eol for few years na…

    • C.A.T.Guy Said:

      Wow. You have the biggest CL so far.

  90. Karla Said:

    Got a call din last week. Then the other day nagtxt yung BPI na approved na nga daw. Then kanina nagtxt si BPIDelivery. Nagbasabasa ako dito tapos nalaman ko na makikita pala yung sa EOL so i checked my EOL may nag appear na na CC with CL 80k. Kala ko 10k lang CL kasi inask ako if magkano salary ko. Sabi ko ay 10k~12k… Gulat ako 80k. Hehehe. Sana dumating na yung card. First time ko lng magkaCC. May alam po kaung blog for new CC holders? Thank you

  91. Johnydam Said:

    Hello

    Im confused and cant wait too hehe. I got a call from bpi last thursday need to submit docs. After ko iprovide. Friday nag txt si BPI approved n daw. Wait for 5banking days to deliver.

    How can i access EOL acc or to check if meron na nag reflrect na amount hehehe i dont have atm card. Passbook lng 🙂

  92. biboyski Said:

    I experienced the same thing. Got a call yesterday and I was hesitating to answer coz it was a landline phone number but I answered it and it was a rep from BP Makati and in behalf of where I opened my debit cards (I have 1 payroll and 1 savings). She also verified my personal info, mother’s maiden, TIN, gross income, and address. She also asked for specific landmark and if I’m not around to give an authorization letter to someone who is in my house to receive it. She also asked for reference person and to say “yes” for processing. Tbh, I’m not really expecting anything coz I already applied 3x from BPI and got declined. She said the processing is 15-20 days and she was sort of positive that the card will arrive. — So far based on the experiences of the people here on this thread I can say that nobody got declined yet with the same process. Hopefully, I will get approved too but if not, that is okay too.

  93. Bianca Said:

    Hello i have something to ask.. for bpi cash advance how much is the maximum amount to withdraw? Please reply .. thankyou

    • C.A.T.Guy Said:

      It depends on your card. It’s in the letter po. Usually it’s up to 60%

    • Amy Said:

      Hi its me again amy. I got a call just weeks after i got my blue mastercard, and they offered me the gold cc this time. It’s been approved and delivered to branch pick up since they delivered to my house and i wasnt there three times. I got 200k cl. Now i have two cc’s from them!

      • Biboy Said:

        Amy, how much was your cl on your blue mastercard? What did you do so that they have to call you again for another cc?

      • Amy Said:

        Hi biboy! My cl on the blue cc is 42k only. I applied for it after i opened a maxi-saver $ account. They came to my house and had me signed the forms for cc and maxisaver. Then after i got the blue, the business manager from the same branch i opened my maxi, called again and sent me forms to sign for a gold cc.
        Actually prior to opening a maxi, i have dollar and peso acct from them already.

        Are you planning to open a blue as well?

  94. ivy Said:

    i also have the same experience. got a call then after a week viola! here’s my gold cc..but im first time user, can i ask if i can use it agad or ill wait for a few days to use it. thank you for you response

  95. Jimson Said:

    I have learned that pre approved credit cards are no longer allowed by the Bangko Sentral ng Pilipinas.

  96. Patrick Said:

    Hi guys! Good morning. I applied a credit card last Aug 24 online and until now it still for verification. Sana ma approved yung application ko.

  97. Bela Said:

    Bat ganun sabi sakin nung applied Ako 16k Lang daw cL Ko. Taz 20k applied deposit.. Bakit yung Iba Ang Laki Ng cL Nila.. Di ko Lang Talaga maintindihan kng Bakit ganun kalaki Sa Iba binibigay Ng bpi samantalang Tagal Na yong account Ko Sa Nila.

    • C.A.T.Guy Said:

      Kasi po a secured card na kinuha mo, means you’re given 80% of deposited amount as credit. 20k and 80% of that is 16k. It’s for those who have not yet passed the CI. The feature is if di ka makabayad, pwede deduct sa deposited amount mo. People use secured cards and then pay promptly to get credit cards na.

      Yung cards po namin are credit cards, not secured cards. For some reason that we don’t know, they choose people to get large credit with minimal CI.

    • C.A.T.Guy Said:

      So gamitin mo ang card mo for 6 months, pay on time always then apply for a gold card.

      • Bela Said:

        Gold MasterCard Na po I apply ko.. Pero deniliver Nila sabi unsuccessful raw e dito Lang naman Ako Sa bahay nung time Na yon. Tapos May tumawag din sakin taga bpi pero Hindi ko nasagot. Ano ibig sabihin po nun? Tumawag Ako binigay sakin ref.# Pra kunin ko Na Lang Sa kng saan malapit Ako Na branch. Yon Lang di ko maintindihan Kc nung apply Ako di Ako sure Kung approve o Hindi pero sabi sakin 16k Lang cL ko. Ano ba requirements kng Bakit yong Iba na babasa Ko Malaki yong cL Nila samantalang Ang Laki Ng savings accounts Ko Sa bpi.

      • C.A.T.Guy Said:

        Antayin mo na lang ang card. Kasi walang gold mastercard na below 50k ang cl. Blue ang maliit ng cl.

    • Amy Said:

      Hi! I think pumunta ka nlng sa branch kung san ka kilala and andun ang malaking deposit mo. Maginquire ka if pwede ka iapply ng branch manager ng credit card. Hindi secured credit card. Or, gawin mo un once makuha mo na ang secured cc na idedeliver sayo. cos ang nangyare sakin prang ganyan din pero ung branch manager ang nagasikaso saken through phone lang un and pinapunta nya field agents sa bahay ko to sign papers.

      • Bela Said:

        Hi Amy how much cL Na binigay sayo Ng bank? Kc sobrang Tagal Na Ako gusto apply Ng cc Na walang deposit Kc yung Iba tinawag Lang ng bpi Na Meron silang ganun cL kalaki tapos yong account nila Maliit Lang.. Parang unfair Na every month Laki Ng hulog Ko labas pasok pera Ko Hindi nawawalan, nagtataka Bakit kng sino pa yong matagal Na member Sa bpi yon pa yon wala, hirap mag hirap apply.so ibig sabihin yong I apply Ko cc ay scc Iyon? Initial deposit Ko 20k taz sabi 16k cL Ko. Parang gulohan Tuloy Ako at Bakit Bakit ganun..

      • Amy Said:

        Hi bela. Yes unfair nga talaga. Nung nagpunta kba to apply for cc, ni require ka magdeposit? Sana pala kumuha ka lang ng form and pagkafill-up mo binigay mo sa branch para sila ang nagapply for you. And oo secured credit card ang inapply mo bcos u had to deposit an amount as collateral. Actually nung kumuha ako ng scc, inask ko lang yung manager abt cc. Since wla akong work and sss or tin number, nitrcommend nya yung scc. Tapos inask ako kung how much gusto ko, atfirst sabi ko kahit maliit lang for emergency lang naman. Then sabi niya 1000$ nlng and cl is 42k in peso. Hinold nya lang ung 1000$ ko from my maxisaver accnt. Then after rcving the scc blue card, after two weeks she called again that the bank wants to give me gold daw pero regular cc na. Sabi ko okay. Then ung manager na ang nagfill up pinasign lang ako for signature. After 5days nakuha ko na 200k cl. naisip ko nga na sana pala nagantay na lang ako na sila magoffer ng regular cc, hindi na sana nahold ung 1000$ ko. I think grab mo muna yang scc and then wait mo 2weeks bka tawagan ka din for regular cc.

        But i know how u feel na unfair lalo na kung malaki naman laman ng bpi savings mo.. Matagal mo lang din cguro marrcv ung scc mo but ull get it and sure approve na un.

  98. Julius Said:

    Hello po. Regardiing po sa pagbayad ng CC, ask q lang, once na maresib po ba ung CC nka Auto Debit na ba ito sa account mo via EOL or do you need to pay it manually by clicking Pay Bills sa EOL mo. Salamat po sa sasagot..

    • C.A.T.Guy Said:

      It’s manual. And you have fo enroll it to your EOL by filling up form at any express bpi bank. Lalabas sya under pay bills. Pwede mo na auto debit djn

    • montiiYuki Said:

      pwede k din tawag s BPI hotline para i enroll ung cc mo for online bill payment… after 48 hrs lilitaw ung pag nag paybills ka mag kakaoption k n to pay ot using ur savings

      • C.A.T.Guy Said:

        Thanks for that info!

    • Julius Said:

      Thank you po sa reply..
      Sept. 15 = got a call from my Branch offering me BPI Blue Mastercard. Pre-approved daw. No requirements needed
      Sept. 21 = received txt from BPI that my CC is approved
      Sept. 23 = my Credit Card info’s reflect in my EOL account. 30K Credit Limit lng..hehe. Blue Master Card lng kc skn ska ok na dn po para sa 1st time mag karoon ng Credit Card

      As of now, wala pa dn po aq na reresib na txt from BPI delivery. Still waiting. Sana ma deliver na dis week.. Excited naq..hehe..

      • C.A.T.Guy Said:

        Good luck!

  99. KHRISEL Said:

    hi guys! I experienced the same thing bpi called me last week (Oct 7) first he was like update my info then he asked if i want a credit card i think its AMORE and AF is free for life. So I said sure why not, he told me to wait for 15-20 days. Now, Im wondering when ill receive a text coming from them. Thinking that they declined my cc application twice. lol So Im hoping it will be approve. Also any idea guys how much is the CL for amore visa????

  100. KHRISEL Said:

    Hi guys!
    Also got a call last week (Oct 7) from bpi head office and he is asking if all of my infos are updated.and afterwards he asked me if i want a credit card I think its AMORE VISA and AF is FREE for life and the call itself is my application. So I said Sure, he told me to wait for 15-20 banking days or i can follow and give me my reference #. Im excited and anxious at the same time thinking I was declined twice. Reading this blog gives me hope. 🙂 But until now no text message coming from them. Anyway do you guys have any idea how much is the CL for AMORE visa?

    • C.A.T.Guy Said:

      Usually 100k

      • KHRISEL Said:

        wow bilis magreply 🙂
        WAAAAH! Ang laki. cant wait!

      • KHRISEL Said:

        Hay bakit kaya ang tagal nung sakin?

      • C.A.T.Guy Said:

        Yung iba dito umabot ng 1 month

      • KHRISEL Said:

        Even the the text na nagsasabi approved na? Nakakastress ung pag iintay. Kaloka!
        Another question pala my nadedecline kaya sa ganun ung cla ung tumawag and offer a cc?

      • C.A.T.Guy Said:

        I’m not sure. Yung iba nagantay almost 2 months. They just check their EOL pag may lalabas na na credit dun, pwede ka na mag ask if asan na yung card.

      • KHRISEL Said:

        I see. Waiting game padin ako. Lol hopefully I’ll get approve after 2 declined from them. Will update you guys whatever the outcome is. 😊

      • C.A.T.Guy Said:

        With some commenters here, some were declined before but after a call/text na approved (kahit di sila nag apply ulit), Dumating naman eventually.

        Good luck!

      • KHRISEL Said:

        I just called bpi, And according to the phone Banker it is approved!
        Although when I asked how much is the credit limit she told me it’s not yet indicated in their system.. So i have to wait for 7-10 banking days for the delivery of the card for the CL or I’ll check eol. Lol excited lang sa 10k na limit. 😂😂😂

      • C.A.T.Guy Said:

        Good luck!

  101. zhy Said:

    Hi to those who have their cards already!!
    I just have a question and I hope I’ll get an answer from here. You know, waiting for the Q on their hotline sometimes takes a lot of time so I took my chance here.
    I got my card six months ago. For the first three months, I always pay the total amount due.Yes the total not the minimum. Sometimes my bill is 10k, 12k but I paid them. Then on the 4th month I just paid the minimum. on the 5th and 6th month, I was not able to pay because of fortuitous event. My bill got high like 45k in total. But before the 7th bill is generated, I paid the minimum amount of 20k so I am not past due anymore. When I called the accounts specialist before making the 20k payment, they said that my card has been canceled already and I have to reapply for another card again. I was devastated. Now, I tried to purchase an item online just to check if my CC has really been cancelled already. To my surprise, it worked. I was able to purchase the item. What does it mean? Does it mean my card is still active?
    I hope you can share your thoughts. Thanks.

    • C.A.T.Guy Said:

      It’s active, you don’t get cancelled even if you weren’t able to pay. You get cancelled if youal are over your limit.

      • zhy Said:

        Hi Cat! I believe as long as I can use it to purchase items in the grocery stores and online it is active right?
        I am just worried that anytime this month it could get cancelled. Its very difficult to apply for a cc and I got mine only because they offered it and its very rare. lol

      • C.A.T.Guy Said:

        Just don’t go over the limit.

  102. Mike Said:

    This has also happened to me. Got a call from BPI rep confirming details I’ve got with them and towards the end of the following week got a sms advising I was approved of the CC AMORE VISA and would be delivered it to my office. Despite being with them for 6 years and an additional acct which is my payroll acct is linked to my EOL, I was only given a 15K CL. Moreover, I’ve been waiting to date for the credit card to arrive, but it hasn’t arrived yet and it’s been more than 2 weeks now. Nevertheless, I’m still happy, though, for the following reasons:

    1. I know I have something to expect though it’s really taking a great deal of time

    2. I know how difficult it is to secure one.

    • C.A.T.Guy Said:

      Good luck!

      • Mike Said:

        Is it pre-activated?

      • C.A.T.Guy Said:

        Yes, which is why they’re strict with the delivery

      • Mike Said:

        Hmm… I wonder why BPI is sending a pre-activated card.

    • khrisel Said:

      we have same CL for amore visa. Kalungkot baba ng cl ugh

    • khrisel Said:

      same CL and card offered. Sad thing is ang baba ng CL. hayyy

      • Mike Said:

        ok lng un for approval purposes sa ibang bank. 👍🏼 nkuha q na card q ngaun lng dmatin. I waited for 3 weeks.

      • KHRISEL Said:

        Sakin nung 17 lang na approved so still waiting for the card. Sana dumating na agad. Para maikaskas na lol

  103. Mike Said:

    Hmm… I wonder why BPI is sending a pre-activated card.

    • C.A.T.Guy Said:

      Don’t know though. Mine came activated with the CL showing up on my EOL.

      • Mike Said:

        i am also seeing my card on my EOL. What’s funny is that I haven’t had the card yet These past two weeks I tried to withold all my expenses hoping to use the card, but to my dismay it did not happen, so I was forced to use my debit card instead lol!

      • C.A.T.Guy Said:

        Do check if may tao sa mailing address. Or if present ka. What I did was that I used my HR to have everything mailed there pati card.

      • Mike Said:

        I spoke with someone from BPI and advised that on the delivery day, they can just inform our office guard so that our guard would be able to call me. Anyway, I am mostly in the office everyday.

  104. Exanne Said:

    Can anyone tell me whats EOL stands for and what does it mean. I have already confirmed it from their 89-100 customer service hotline that my application has been approved, I didn’t really apply I was just called by one of their agent and received a text that it got approved and my card will be delivered within 5 – 7 business days. Its my 4th day of waiting. But some says that they already see it on their EOl, so my question is How can I see mine? I don’t have any saving accounts with them, only an ATM Card from my company w/c I’m working.

    Its the Amore Visa that they have offered me.

    Kind Regards,

    • C.A.T.Guy Said:

      the website bpiexpressonline

      • Exanne Said:

        Can I see/check EOL on a BPI ATM Machine. if yes how?

        Thanks

      • C.A.T.Guy Said:

        No, EOL is the website bpiexpressonline.com you have to register at your local BPI express.

      • Exanne Said:

        Thank you Cathy. I can see it now and the CL Limit is only 15k well not bad for starters. Good thing I still have my JCB Gold. I’ll use it alternatively. Still waiting for the card though to arrive.

    • KHRISEL Said:

      Do you have any idea how much is your CL? Amore visa din ung naapproved sakin eh.

      • Exanne Said:

        Yes Khrisel. Same with your’s they they only given a 15k CL for Amore Visa.

        Still not bad for starters.

  105. JM Said:

    Hi. To those who received calls, were you using a prepaid mibile number or postpaid or was it through landline? I dont own a landline or postpaid mobile.. i’ve submitted the requirements and said to wait for the CI. Do they conduct CI and call prepaid mobile numbers or only postpaid/landline? I gave our office landline number but i’m mostly outside of office doing field work..

    • C.A.T.Guy Said:

      Postpaid for me. I’m not sure if it’s a factor


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