Hi 👋
Just wanna ask lang po. Since Malaki na po kasi Yung MAD ko na cc sa eastwest. Okay lang po ba na half of MAD lang mabayaran Muna sa Due date? 🥹 Di kaya ma close/ delinquent ang asking card? Pls advise po. Salamat po
Talked to 3 different cashiers already. Pag di gumagana yung chip insert ng card, I ask bakit ayaw ng tap, and sabi bawal daw sila mag tap to pay. Anong pakulo to ng Cash and Carry, clearly the terminals have the capacity naman.
Hi Everyone!
Really need some insights from anyone who has successfully fought a BPI card dispute, especially regarding "face-to-face" international fraud claim.
Long story short: My BPI debit & credit cards were stolen while I was traveling in Copenhagen. I immediately blocked the cards, reported the loss to BPI via email the day after and filed a foreign police report. I know about their policy on lost card liability but I’m still hoping an exception can be made, given the extraordinary circumstances.
Unfortunately fraudulent transactions went through in a small window before the cards were blocked. On my side, I could see that transactions were made by a Merchant located in Mtwapa, Kenya, so I immediately thought these were transactions made online with the stolen card details.
But BPI recently sent me a standard template rejection saying:
BUT! They never gave actual proof that these were face-to-face transactions. They never gave any transaction details and never explained how a transaction from Kenya could be made with a physical card stolen in Copenhagen.
It was even billed in KES (Kenyan Shilling) currency and apparently I even blocked the credit card just 10 SECONDS after the transaction was logged. 🥲
Questions for the sub:
How is it possible for a face-to-face transaction to be charged with a completely different currency?
From what I know, face-to-face foreign transactions are processed in the currency of the country you are physically in, or dynamically converted to PHP. So for me, charging in KES implies it was an online transaction (where BPI failed to trigger a mandated OTP) or a clear chip cloning case.
Did anyone have the same experience disputing similar transactions?
They haven’t really provided any proof that these were face-to-face transactions and they never explained how a Merchant in Kenya was able to use the cards.
I’m based abroad so I cannot visit a BPI branch at the moment. I’ve escalated to BSP and continue to email BPI Support asking for more information. The credit card was also a supplementary one from my mother, so she will try and ask about the dispute on my behalf.
I've been a loyal cardholder since 2007 with a spotless record, so this is incredibly frustrating. This is so far the only time I’ve disputed fraudulent transactions, because I have always been careful with securing my cards.
Would appreciate any advice, tech explanations, or success stories from people who managed to get a 100% reversal after an initial rejection!
Hello, I'm 23 years old, employed and working in govt. My salary is 20k monthly pero super hirap na hirap po ma approve sa mga credit cards even tho marami naman nagooffer basta 20k above yung salary? Ano po usually reason bakit are reject applications ko? Huhu need help po, need ko po talaga ng credit card.
Hello! I would like to seek for advice.
I have 2 credit cards both with outstanding installment balances. I would like to ask if it would affect my credit score if I decided to prematurely pay for the full remaining balance?
I recently got a part of my inheritance and I want to start fresh with my cards and NOT have any installments anymore. I did research and saw that there is a fee if I settle my remaining oustanding balance / installments prematurely. Will this affect my credit score? I won’t be using all of the inheritance money I received but just a portion of it.
I primarily want to start fresh since I reshuffled my finances and monthly budget to a much more humble amount. I just think na since may money ngayon to settle my installments in full then why not?
Thanks for the advice in advance!