The BPI card of my friend's Mom had fraudulent transactions worth P60k. She reported it already and BPI is asking her to pay the amount while the investigation takes place. I know this is the standard now but I asked my friend who works in BDO and he said that we could bargain to NOT pay the disputed transactions (mostly online gambling, grab, food panda and airline tickets)

My friend is abroad now so I will accompany her Mom to the branch for the dispute. I haven't worked in cards in DECADES so I really don't know how things work now. My friend from BDO said to reason out that that card holder is senior and the transactions don't make sense. Also, tell the branch that my friend's Mom doesn't have the funds (problem is she has a significant TIME DEPOSIT with BPI) They are with BPI for decades already so I said last resort will be to threaten to close their account.

Another problem is my friend's Mom suspects that it's her gay nephew that used her card. The gay nephew left home and can't be contacted anymore. I told my friend to manage her expectations on the dispute kasi kung SAME ADDRESS yung food panda and grab transaction, can't the bank reason negligence? Pero yung online gambling I feel may pag asa yun.

It's scary na talaga to have a high credit card limit, paano na those with 1M+ limits

Does anyone have any experience with fraud and dispute? Did you really have to pay the balance muna?