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. 




28 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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    3. ako din na deny ung secured cc nung nag ff ako sa bpi cs thru phone. pero nung sinabi ko sa branch pina approve nila ulit and luckily naaprove nga bka di lang daw nagpakita agad sa system na na may hold out deposit yun. try to talk dun sa branch na kung saan nag pa hold out deposit ka kasi gagawan nila ng aksyon. God bless u.

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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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  8. I applied to this credit card and got declined twice. My last application was November 2018 ad got declines again. Recently, I received a call from BPI on August 2019 (so that was 9 months after my last rejection, ouch!) and they informed that I am eligible for this credit card account. Well, I was a bit hesitant to proceed with the application since it still subject for approval but wala namang mawawala if magtry again. So yun, I pushed thru with the application (the 3rd time) but I was not really expecting na approve. BUT gee, last day lang I received a text message fro BPI na naapprove yung credit card application ko. Then kanina lang I checked my BPI account (payroll account) thru mobile app and I noticed na may credit card na nakalink sa account ko. The shocking part is malaki yung credit limit binigay nila. I was just expecting na 10k-15k lang but 40k yung binigay sakin. So excited to get my card.

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  9. Same sakin.Way back 2018 I applied for this credit card but got declined. To be honest, I dont have any savings account with BPI except sa company payroll account ko and I always zero out my account kasi of course yun lang income ko. But I have a prepaid card with them (Amore Prepaid Card). I just got approved with the Express Credit Card last week and still waiting for the card to arrive. Siguro they checked my prepaid card activities kasi I always use it for online purchases like online shopping or booking hotels and plane ticket. Also , last month I received a remittance abroad from my cousin to pay my tita's hospital bills..and almost 200k yung pinadala sakin..maybe it's also one of the factors they looked into para maapprove yung application ko..

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  10. BPI's courier as of August 2019 is now LBC. at 5:00 PM I just got a text message from with the LBC Tracking details of my card but when I checked it 30 minutes on the LBC tracking website, it showed 'delivery failed'. I never received any text message from the courier na they tried to deliver it. Hay nako!

    ReplyDelete
    Replies
    1. So did you recieve your card? Sane nangyari sakin bumalik daw yung card ko kase yung area ko ay di serviceable... Di manlng kase nagttx yung lbc

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    2. it just happened to me yesterday my txt ang bpi ready n credit card ko tapos binigay nila ung tracking number sa lbc so nachecked ko agad forwarded n kaso pagcheck ok kanina out of service daw ung area na namin(ganyan lagi ang lbc). I immediately called the customer care back to sender daw kaya tumawag na lng ako sa bpi ang advice nila is ipaforward na lng sa nearest branch or preffered branch ko which will take 7 to 10 working days ulit.

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  11. Hi. Magtatanong lang po. Kakareceive ko lang po kahapon na marereceive ko bpi cc ko within 7 working days. Nagtry akong tignan sa online banking app (sabi kasi ni google pwede daw matrack don, wala wala nmng option)
    Makakareceive ba ko ng tracking information thru SMS o hindi?

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    Replies
    1. Hi po. Yes, makaka receive ka ng tracking information but not the updates po. Try to go to Air21 website and try to enter the tracking code there. According to other comments, nag change na daw ang BPI from Air21 to LBC. Just check lang po.

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  12. hello po. ilang beses iaattempt ng courier ideliver yung card? kahapon kase may nareceive ako txt msg na idedeliver daw ung card ko within 7 workimh days. so kanina mag nagattempt ideliver ung card sa house ko nahiwan sila ng authorization form. pano kaya itrack ung delivery wala kase ako nareceive n text containing tracking number. tumawag din ako sa bpi. wala daw sila record nun. pano kaya yun.

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  14. Hi,

    When the amount is already hold off (available balance is no longer equal to total balance as amount is already deducted), does it mean you are already approved? Or still not yet?

    I haven’t got or email yet from BPI but the amount is already hold off in my savings account.

    I applied last August 18 and the hold off akount was deducted today, August 26.

    ThanksIn advance for your feedback.

    ReplyDelete
    Replies
    1. Already approve na yan maam basta na hold na ang amount. Ako I applied last September18, 2020 here sa BPI Centrio Mall Cagayan de Oro and pagka September 21 na hold na ang 26k.Pagka September 25 nag text sakin si BPI approved na ako. 10days ideliver dito sa CDO and as of today September 26, 2020 nakalagay na sa BPI APP ko yung credit card ko with 23k limit. I will wait nalang for the card delivery.

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    2. how long po delivery nang credit card nyo mam/sir? i.e. after sept.26, kelan nyo po na-received? just counting the days lang po. thank you in advance.

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  15. Hi po bali secured credit card po yung inapprove po sa inyo? Or na pre approve lang po kayo?

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    ReplyDelete

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