BPI clients warned vs ATM scam

[chookchakchenes]

The safest of all.................Passbook

Never ako nagkacredit card. Kahit makulit yung teller kakaalok pag magpaupdate ako ng balance. ATM nagkaroon ako once pero dahil kailangan lang nung panahon na yun. After nun eh sinira ko na at closed account.

Pag may kailangan bilhin online utos na lang relatives or friends pagamit credit card. hahahahahah

[leodawesome]

80% of my expenses are also via credit card. Tapos from my payroll account nililipat ko lahat sa checking account every payday. Nagiiwan lang ako 5k yung pwede ko withdrawhin for cash sa ATMs, tapos kung kailangan transfer na lang via online transaction. Para isang ATM lang ang exposed. Manakawan man yung 'disposable cash account' maliit lang.

And oh, may rebates and rewards pa sa credit card transactions. Favorite ko yung BPI promo na papalit mo ng jollibee or chowking yung receipt. Downside lang ng CC para saken is yung annual fees, which I can always waive easily.

[shadow]

The safest of all.................Passbook

Never ako nagkacredit card. Kahit makulit yung teller kakaalok pag magpaupdate ako ng balance. ATM nagkaroon ako once pero dahil kailangan lang nung panahon na yun. After nun eh sinira ko na at closed account.

Pag may kailangan bilhin online utos na lang relatives or friends pagamit credit card. hahahahahah

Hinde ka siguro nag out of the country madalas noh? 'Cuz mahirap mag travel ng walang CC abroad.


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[Luckynsfire]

Hahahahaha

[chua_riwap]

Hahahahaha

Hi lucky. Welcome to tsikot.
1st post......wacky agad.

Correct si shadow. Ok din yang may cc, lalo na in times of emergency & wala kang cash. Useful din to, during out of town trips. Vontrol nga lang sa paggamit.

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[baludoy]

]
Does it have a magnetic strip (still), bro?... Then it all depends on the ATM machine. You should be engaging those only which interrogates the smart chip (and not the magnetic strip) and you're a thousandfold levels higher for ATM transaction security.....

meron pa din siya magnetic strip bro.

so i guess the smart chip (so that's what it's called hehe) is a precautionary measure only for the card's/account's debit service feature only

Correct si shadow. Ok din yang may cc, lalo na in times of emergency & wala kang cash. Useful din to, during out of town trips. Vontrol nga lang sa paggamit.

oo nga eh. i remember i was holding out for the longest time kaso kelangan talaga nowadays for convenient 's sake kaya kumuha na din ako ng credit card

[1D4LV]

Bro.,- for BPI, you can sign a form in your Branch of account that can open up the amount that is withdrawable for the day...


“Familiarity breeds awe”
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ah ok.... wifey kasi can only withdraw 20k/day.

[glenn manikis]

Para maiwasan ang ganyan prob. I usually just transfer money from... one account to another... yung isa for atm trnsaction lang talaga 40k lang laman... yung isa passbook.. pag na withdraw ko na.. online transfer lang ako ng funds..

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[chookchakchenes]

Hinde ka siguro nag out of the country madalas noh? 'Cuz mahirap mag travel ng walang CC abroad.

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Hindi pa ako nakalabas ng pilipinas. Year 2002 pagkagraduate ng college apply ako us visa. Binigyan ako nung terror daw na korean descent consul ng 10 years multiple entry pero hindi ko din ginamit.

Pag kumakain kami resto yung credit card ng kasama ko gamit. Pag dating sa technology medyo conservative ako. Kahit nga cellphone bar type pa din gamit ko. Never ako nagkasmartphone / tab.

Isa pa advantage ng passbook para sa akin eh walang online transfer.

[_Cathy_]

Hindi pa ako nakalabas ng pilipinas. Year 2002 pagkagraduate ng college apply ako us visa. Binigyan ako nung terror daw na korean descent consul ng 10 years multiple entry pero hindi ko din ginamit.

Pag kumakain kami resto yung credit card ng kasama ko gamit. Pag dating sa technology medyo conservative ako. Kahit nga cellphone bar type pa din gamit ko. Never ako nagkasmartphone / tab.

Isa pa advantage ng passbook para sa akin eh walang online transfer.

You will eventually need a credit card. Proof of financial capacity din yan when you apply for utilities and visas. There's also a maximum amount of cash that you can bring when you travel.

BTT: I am running out of cash, masyado ako na paranoid sa ATM skimming. Nangyari kasi sa former colleague ko. BPI din.

[shadow]

Just what I have thought. Napakahirap mag abroad ng walang credit card chochuck.

You'll realized that pag nag a-abroad ka na.


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[e2romo]

Actually with the current retail setup, unless the vendor will give you discount if you pay cash, lugi ka if you don't use a credit card. Kasi lahat ng establishments na tumatanggap ng credit card nakapatong na sa product price nila yung card surcharge (patong ng credit card to make money). Makakabawi ka lang sa surcharge through points on your credit card (converted points is the same as discount). Kung cash ibabayad natin walang discounts (points) na makukuha. Kaya mas nakatipid yung nagbayad ng card kaysa cash.

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[cardict]

The real advantage of having a cc is you don't have to carry large amount of cash

[CVT]

The real advantage of having a cc is you don't have to carry large amount of cash

Iyan naman ang problema, kapag may issue ang POS ng isang tindahan, at cash lang... Wala ka halos dalang cash,- e nasa counter ka na.... Hindi lang minsang nangyari ito sa akin... :grin;

Pang-enrol ng panganay namin- iyong CC na sa kanyang pangalan na rin....

Pati pambayad ng life insurance (na hindi investment-insurance),- card na rin....

Basta puwede card,- mas madali ang desisyon...
(Deferred payment pa....)

“The measure of a man is what he does with power”
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