Wealthier Pinoy

BPI CREDIT CARD ANNUAL FEE REVERSAL REQUEST

Did you know that if you are using your BPI credit card monthly, you can request for a reversal of cc annual fee?

I‘ve been using BPI credit card for 5 years now and I never paid for an annual fee. I always request for a reversal of payment and it’s always being approved.

How to request:
1. You may call BPI hotline
2. Go to your bank branch
3. Email your request to BPI official email (this is the method I always use and they usually respond within 24hrs)

I’m not really sure how to be qualified for this reversal request but I can tell you that I always pay on or before my due date and I use my credit card monthly and spend at least 3k. I asked them before about the qualification details but they did not give me any specific answer and they just told me to keep using the card.

You can only request for the reversal once the annual fee has been billed to your account. They cannot process the reversal prior to the billing of the fee.

Save yourself from unnecessary annual fee. 💰

Still applicable this year, 2022. 💰

If you want to be updated on Ph scams and other money matters, check out this YT channel. 100% recommend.

Invested Lifestyle - YouTube We are invested in Finance, Fitness, and Freedom.The goal of this channel is to teach Financial Empowerment by investing their money in legitimate investment...

Marami ang hindi nakakaalam sa BPI QR code.

Pag meron kang BPI QR code, pwede mo itong gamitin sa mga online bank transactions mo na BPI to BPI para di ka na magbayad ng convenience fee na 10 pesos. The transaction is free of charge if you use QR code.

Click each photo to read the instruction on how to generate your own BPI QR code. I try to make it as simple as I can.

CIMB O GSAVE ACCOUNT? PAANO MAGKARON NYAN? ANO REQUIREMENTS?

Ito ang pinaka frequent questions na nakukuha ko on this page. Okay, isa-isahin natin.

Una, iisa lang ang CIMB at Gsave. Kung magoopen ka ng Gsave sa loob ng Gcash, pwede mo na i-link ang Gsave mo sa CIMB app. Pero kahit hindi mo na gawin yun wala naman problema. Same benefit pa rin makukuha mo. It’s just that, when you have the CIMB app, you can experience its other features tulad ng pagtransfer ng fund sa ibang bangko ng libre! Sa Gcash kasi pag magfund transfer meron kang need bayaran na 15pesos na convenience fee.

Pls see pictures below to see Gsave logo inside Gcash.

Dapat verified ang Gcash account mo para makapagopen ng Gsave account. Wala ng ibang requirements. Kahit ano pa work mo o kung hindi ka man nagwowork, walang problema. Open ka lang ng account mo basta verified na si Gcash account.

Pag nagdeposit kukuha sya ng pera from Gcash, pag withdraw naman babalik lang uli nya kay Gcash.

I reccomend na magopen din ng BPI Account kung kaya para yun na ang nakalink sa Gcash mo. Para madali na lang magcash in at cash out ng pera. Di mo na need magbayad ng convenience fee sa 7eleven at kung saan pa man! Sayang din yan.

Kung ang goal mo talaga ay magipon, magandang simulan dito dahil simple lang ang pagopen ng account.

Goodluck sa pagiipon! 🐖

IWAS SCAM TIP PART 2

Familiar ka ba sa phishing scam? Marami nascam nito lalo na ngayong pandemic, talagang umatake ang mga scammers sa panahon ng tag-gipit. Madalas nilang target mga customer ng big banks like BPI and BDO.

Ito yung may mageemail sayo at magpapanggap na BPI or BDO or other banks at sasabihin sayo na dapat mo iupdate ang account mo or else idedeactivate ito at di mo na magagamit. May ilalagay silang link sa loob ng email at pag clinick mo yun sa ibang website ka talaga mapupunta at hindi sa legit na website ng bangko mo. Pag nilagay mo sa website nila ang mga personal information mo, username and password ng account mo, at OTP na itetext nila sayo, dun na nila mahahack ang account mo at sisimutin ang laman ng ipon mo na pinagpaguran mo.

Personally, maraming beses ako nakatanggap ng phishing scam email last year. Buti na lang at familiar naman ako sa mga ganitong modus at na-spot ko agad. Ganunpaman, aaminin ko na sa unang tingin talaga mukhang legit email kaya kailangan mong maging mas maingat at mapanuri.

PAANO MALALAMAN KUNG PHISHING SCAM ANG EMAIL NA NATANGGAP MO?

1.Sa subject pa lang ng email maaamoy mo na may kaduda dudang nagaganap. The email subject creates a sense of (stupid and annoying) urgency. Halimbawa: “We’re now deactivating your account if we don’t hear any actions from you!”. Yung tipong minamadali ka talaga hindi makapagantay atat na atat.

2. Check the sender’s email address. Yung gamit nila ay halatang fake.For reference, see image 2 below. Ang legit email address madalas ay ganito ang domain: halimbawa sa BPI emails '.com.ph' see image 3 for reference.

3.Yung online link na nilagay nila sa email will redirect you to a different “BPI website”. Always check the url of website. Ano yung url? Ito yung nasa taas ng browser na mayroong www. Halimbawa sa BPI, ang legit url ng online banking nila ay www.bpiexpressonline.com.

4. Simple pero importante talaga, hanapan mo ng maling grammar at punctuations yung email nila. Minsan masyadong halata kaya mapapansin mo na napaka unprofessional ng dating.

Ginamit kong halimbawa dito ang BPI only because sila yung ginagaya ng phishing scam email na nareceive ko at may account din ako sa kanila.

Hope it helps!

IWAS SCAM TIP

May dalawa kong story na nabasa na mga nascam online gamit ang GCash. Yung isa artista at yung isa ay yung lalaking may sakit ang father nya na nagviral ang fb post.

Nakakalungkot na maraming nabibiktima kaya naman dapat maging mas maingat tayo.

PAANO MALALAMAN NA SCAMMER ANG KAUSAP?

-Hinihingi ang OTP mo.
Ito ang number 1 sign na scammer talaga ang kausap mo. HUWAG NA HUWAG NA HUWAG mong i-share sa kahit kanino ang OTP mo. Pag meron tayong transactions online, nagtetext ng OTP number satin ang GCash para i-allow ang transaction. Pag nakuha ito ng scammer, pwede nyang itransfer ang buong pera mo sa GCash sa ibang account kung ibibigay mo sa kanya ang OTP number. Hindi lamang GCash ang may OTP, kahit mga online banking tulad ng BPI, BDO at iba pa ay gumagamit din nito.

ANO ANG OTP?

-One-Time Password o OTP ay matatanggap mo sa pamamagitan ng text tuwing may transaction kang ginagawa tulad ng pag transfer ng pera sa ibang account, nagbabayad ng bills online, etc. Ang purpose nito ay para masiguro na pinapayagan mo ang isang transaction na mangyari sa account mo.

Laging paalala ng GCash:

IMPORTANT: Please do not share your MPIN and OTP to anyone. Sharing it means you are authorizing a transaction. GCash representatives will never ask for this information.

CIMB Bank free insurance while saving money.

I’ve been saving some money in CIMB Bank since lockdown. 1 week ago, I received a message from them, meron daw akong free life insurance. Di ko lang pinansin nung una kasi sabi ko wala naman documents ano namang katibayan na may insurance ako sa kanila? Lol

Tapos kanina lang may nareceive akong email with attachment of underwriting ng life insurance from Sun Life Grepa. So ngayon, nafeel ko na legit pala sya.

Yung amount ng insurance ay nakabase sa last 3 months Average Daily Balance (ADB) mo. Maximum of 250k.

Basta hindi bababa sa 5k ang savings mo monthly tuloy lang ang free insurance mo.

Also, kahit papaano malaki ang interest na nakukuha ko sa CIMB monthly dahil they give 2.6% annual interest. Kumpara sa ibang bangko, ito na talaga ang pinaka malaki magbigay ng tubo and ING Bank with 2.5% naman na annual interest.

Kung magiipon ka, dun ka na sa bangko na di madamot sa interest at may free life insurance pa.

Simpleng paraan para maka save ka ng Php15 sa mga online bank transactions!

ING and CIMB are digital banks that currently do not charge transaction fee.

Pwede ka magtransfer sa ibang bank accounts ng libre.

Isipin mo imbes na magbayad ka ng Php15, idagdag mo na lang sa savings mo. 😉

Kung ayaw mo ng stress at drama.

GCASH APP IS WORTH IT

With the advancement of our technology nowadays and with all the convenience it brings to our life, I just can’t understand why some people wouldn’t take advantage of using it.

I’ve been raving about GCash to my family and friends because of too much convenience and help it brought into my life.

Need to pay your bills? (Free)

Deposit money to your bank account? (Php15 convenience fee)

Send money to your family in the province thru GCash? (Free)

Buy load? (Free and you can even get .05% rebates!)

All that and more can be done in GCash!

So why would you waste your time, effort, and fare or gas going to a bayad center monthly if you can do it in the comfort of your own home? Not to mention you’re saving yourself some precious time from queueing up and heavy traffic.

I’m just saying, GCash has been so helpful in so many ways especially during this quarantine. 🙂

Oh, they also have Save Money/CIMB Bank where you can save your money in a digital bank and earn 3% annually which is a lot higher than any other regular banks.

Whoever invented and thought of this mobile wallet app, you’re a genius. 🤟