Wednesday, April 12, 2017

BPI Express Credit Card Detailed Timeline: From Application to Delivery





I have been wanting to have a credit card since a year ago just for convenience sake and I also want to build my credit history just in case I have some business ideas that might need funding in the future. I already gave up applying for credit card since I was  denied a couple of times. This time, I got approved and it was, I think, because I talked to the right person.

Note: I don't think credit card is for everybody. This thing is dangerous when it's not used properly. I already have a good grip when it comes to finance that's why I don't have any doubts that I will be able to use this to my advantage.



BPI Super Metro Lapu Lapu GMC (Denied twice)

I don't know why but I always don't have luck when it comes to this branch. Read my experience here. One time, I went there armed with my Mutual Fund statement of accounts, land titles, stock certificates and all but they denied my credit card application. The horror! I was very shocked! They told me that they need "Employment Certificate, Income Tax and three months pay slip". ( I even showed them my properties and paper assets to no avail.) They didn't even consider that I am a long time BPI costumer with good records. I was humbled, yes! I went there the second time armed with all the things they asked  the last time, but they denied me anyway. I gave up!

Note: The problem is they just look at the requirements, they don't even look at your bank account history. Incompetent af or maybe they know that I blogged about them. Ha!





BPI MEPZ 2 Pueblo Verde Basak Lapu-Lapu City
 

BPI Tamiya Branch (near Mactan Outlets)

I went to this branch a month ago to ask for  statement of account and bank certificate, which were some of the requirements for my visa application to France. I nonchalantly asked  the teller about "secured credit card" since I've heard that this is a sure way to get credit card with no application needed and if you maintain good records for few years, you will be granted real credit card. While she was processing my bank certificate request, she was talking to the manager and I they were looking at my bank account history and voila, they said I got approved for express credit card. NO REQUIREMENTS NEEDED.




Timeline:


March  17, 2017-  I was informed that I was eligible for Express Credit Card (The same time I requested for Bank Certificate and bank statement). The manager said that she will e-mail me about my credit card limit.

Note: I didn't  get any e-mail from her so I just let it go.I thought I was denied.


March 31, 2017- I received this text:



April 6, 2017: I noticed that there was another tab added in my online bank account and that's how I found out how much is my credit card limit.



I was expecting Php 10,000 credit card limit. They really want to trap you, huh?


Note: My friend told me about this, that BPI just automatically added a new section in your online bank account without any warning.


April 10, 2017: I called BPI Tamiya because I haven't received my credit card yet so the girl I was talking to told me that she is going to e-mail the main office with regards to my concern.


Twenty minutes later, I received this:








 

Note: 

BPI Credit Card Courier is Air21





Note: They have to waive my annual fee or I'm giving this credit card up. No way I'm paying Php 1,500 for something I don't even need. 




13 comments:

  1. very easy to talk to bpi to waive annual fee. didn't even have to threaten them to cut off. lol. east west bank is the worst! fave feature of bpi is their call back. i-check niya ma'am

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  2. Sis, mas walang hazzle yung BPI amore card, un ang sunod mo i-apply, Free for life na ang annual fee- di mo na kailangan tumawag para magpawaive & marami pang addtl perks ang bpi amore. Just a suggestion lang. I own 2 credit cards na perpetually waive na ang annual fee- metrobank & bpi amore.
    Glad you have a credit card now. God Bless!

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  3. This comment has been removed by a blog administrator.

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  4. Hi! I just applied for the same card, no requirements din needed because of my existing bank account. May I ask if you were able to have the annual fee waived? :)

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    Replies
    1. Hello! Yes, waived ang first year. Call them first though.

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    2. Thank you! I thought perpetually waived na hehe. :)

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  5. I applied for this. I never had any credit cards, loans and I have been working for 9 years now. My income is good as well as my tenure but I got declined for a secured credit card from BPI. So sad, now I need to work on releasing my funds and transfer it somewhere I can get the card that I need.

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    Replies
    1. hi how long did it take them to release your hold out? had the same experience. sigh...

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    2. Is it true, BPI declined your SSC application. Have you tried in other banks like RCBC and Security Bank?

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  6. Need Help.
    I was't able to get my credit card when the courier came. they told me to call 89-100 and there are alot of pressing number. I just only need to talk to some one to change deliver it to the branch I like. What should I do?

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    Replies
    1. Hi Ms. Jonalyn. Based on my experience, may nag text sa akin before sila mag deliver so I was able to communicate with the courier. Wala bang nag text sa inyo? Most of the time, they will go back naman to deliver your card. It will take three attempts then they will send it back na to the bank.

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    2. If you can see sa picture ko sa timeline ng Air21 delivery, they went back sa house ko the next day coz I wasn't able to answer the gate at that time. So they will go back the next business day. Try to contact Air21 near you and make sure you have your transaction number.

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  7. Having this credit card, you should always try to negotiate the interest rates on the said credit cards instead of agreeing to any amount that is always set. If you get a lot of offers in the mail from other companies, you can use them in your negotiations, to try to get a much better deal. Actually, dito ko po nakuha yung BPI credit card ko po

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I'd love to hear from you. I read and appreciate all comments. :)