Hi Jhops!🙋‍♀️ It can function as a regular CC too. You can use to purchase items as well. The difference from other CCs is, you can have a Cash Loan kashit the wjole amount, pay in terms with Low, low interest di tulad ng Cash Advance on other CCs mataas ang interest and to be paid the following month. Hindi pwedeng instalment😊

Hi Jaja!🙋‍♀️ Thanks for dropping by. The installment mastercard is focused on the CASH AVAILMENT Feature.

Hi Rachelle! 🙋 Request ka sa Bank. Call the Customer Representative and request for a PIN.

Thank you Robert! Thank you for being there always!

Hi Standout!🙋‍♀️ As I remember it well, after I activated my cards in the past, nagamit ko naman sila after several hours. Try mong ganitin today. If ayaw, call the CSR of the bank. BDO ba ang card mo? Mag apply ng virtual card. Free naman yon at walang AF. Mas safe siyang gamitin online.

Hi Tolentino👋 As long as wala kang pi-nurchase na may interest with the merchant, wala kang babayarang additional amount, lalo pag groceries lang.

Hi Jessa!🙋 In any installment, the Bank shall always be informed, and the merchant shall arrange it with the Bank.

Hi O!🙋‍♀️ Wow! Congratulations. Na activate mo na ba?🙂

How did you apply for bdo installment card po?

hm nman po kaya ang interest?

Hi Aira! 🙋 Hindi. It has to be processed and be approved pa kasi.

Hi Glendalyn!🙋‍♀️ pag dipa na activate ang CC mo ok lang na dimo gamitin.

Hi Norma!🙋 Yes, in general, para Lang debit card pag nag wirhdraw, pero ang option is Credit Card, Cash Adavance 🙂

hi question po, ng request po ako pin online last week pa, kelan po mrrcv un pin? tru email po ba o post mail? tia

@@FreshlyANoob hi san ka nag request pin online ng credit card mo

@@stiffany1618 ff up po

Hi Almeda!🙋 For sure tatawag sila within the week.

Hi klier!🙋 Installment Mastercard ba yong CC mo?

Hi Rhys!🙋‍♀️ Parang magaan lang tignan but considering the fee and interest that starts from the day you withdtaw the money, malaki ang kinakain ng Cash Advance at walang grace period. So pag dimo nabayaran agad, patak ulit sa interest from the first day of the ff.month plus fees included pag na late and payment. And, if do a Cash Advance 2X or 3X/month, another set of interest and fees. And starting from March 13, magtataas na ng interest si BPI 3% Financrme Charge and 3% inyerets. So you are being charged with 6% monthly and CA mo. Though I am not really encouraging you guys to do it pero your personal decision shall prevail 😊 God bless!

Hi user!👋🌸 Yes kailangan buong mabayaran anh TOTAL BILL before or on the due date... Yong deduction na 600 cld. be the interest accumulated or the AF, which is paid in installment, baka yon yong monthly deduction mo. Mag inquire din sa Bangko 😊

Hi Jenevy!🙋 Thank you at pinanuod mo siya and nakuha mo ang sagot sa questions mo. Salamat! God bless you and blessed New Year!

Hi Kap!🙋 For the first time, oo kaikangan i txt, pero kapag nabayaran mo na yong Cash Availament mo at nag replenish na, dina kailangan mag txt.

@@CriselleMoralesano po yung iti text? Saan itxt? Gusto ko sana mg CA

Hi Joe!🙋‍♀️. SLR! May repeat availment ang BDO Installment Mastercard. When you pay your monthly due, nag re-replenish yong ating CL and kung magkano yong available na CL yon din ang possible nating i-avail.

Hi Wigii!🙋‍♀️ Kung magkano yong na approve na credit limit mo, 100% yong pwede mong i avail.😊

Hi Ande's👋 True, with all those benefits!😊

Hi Greg!👋🌸 Salamat!😊

Hi Marvin!🙋‍♀️ OO, basta may natitirang CREDIT LIMIT (CL) sa CC mo, pwede pa ring pang purchase ito😊

What if nakuha napo lahat pwede parin ba siya e swipe???

Ask ako ulit po mam, if ever nakuha kuna lahat or nakuha ko yung cash loan in cash na approved loan ko po, pwede ko parin ba siya e swipe even nakuha kona yung CL in full amount?

Hi Misyel!🙋‍♀️ Yes, you may but if you can pay the whole amount before the due date, do it kasi meron ding late payment fee

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Hi Sheena!👋🌸 Mas mahal ang interest ni Cash Advance. Kaya si BDO encourages client to do the Cash now Pay later program nila. Ok lang din naman kung short term and konti lang na amt. maybe 😊

@@CriselleMorales okay ma'am thankyou po.

Hi Azenith!🙋‍♀️ Thanks for dropping by! All CC application will undergo verification and assessment. Even if you have an existing loan if you are capable to pay your CC bills, ma-approve ka pa din. From your source of income or proof of income na ipapasama mo with the bank, they will be able to assess it.☺

Hi Joane!👋 SLR. Yes you may😊

Hi Ronie!🙋‍♀️ Lahat ng Cash Advance sa ibat ibang Bagko, may interest at Cash Advance Fee.

Hi jenny! 🙋 But usually, the BDO will ask you to do, comply to their instructions to meet their criteria.

Mam Criselle of example BDO due date 11 ang nagamit is 8 600 ask k lang mam if pwede mag cash availment ulit Ng 20 k after few days Ng credit limit punta sa bank

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Hi Hilda!🙋‍♀️ Thank you more sa'yo!,😊

Hi Simply👋 Ipapa change mo CC to another CC? Not possible. Appy for another CC for that case. Pero be wiser, sharing kang ang Credit Limit ng dalawang CC.

Hi billy17!🙋‍♀️ Yes, pag hindi activated, walang AF and bills to pay, although may mga CC na nag o-auto activate. Kaya ok ding tumawag sa hotline ni Bank to verify and confirm.

Hi bobby!👋 Pwedeng magbayad mismo sa Bangko or Pwedeng magbayad online. Kailangan ma monitor mo ang bills mo through the Mobile App.

Hi Jelyn!🙋‍♀️😀 From other banks, pinapada after 2 weeks, other banks naman, you have to apply for it. Better call Rcbc and ask, or better yet, visit the bank. Also, go back to the literature na kalakip ng CC nong pinadala sa'yo and read on its features at kung ilang % ang pwede mong i cash advance.🙂

Hi Uno!🙋‍♀️ Dapat buo yong CL mo para ma avail mo yong 100℅ Cash availment. Yong Cash availment mo ay manggagaling sa CL mo. So kapag kulang or hindi mo pa bayad, hindi ka makaka avail ng 100℅ availment.

@@CriselleMorales kasi nagswipe ako tpos installation yung payment. 2 months nalang yung kulang ko na babayaran. Half of CL ang meron as balance ko. Hindi ba ibig sabihin ng 100% availment is if ano yung remaining, yan din yung pwede makuha? Or need tlaga if CL mo is 200k, dapat 200k pa rin ang balance para maka 100% cash availment? Tia

@@unowilliams3336 Pag kasi 100% Cash Avaient, we talk abt availing the total amt. of CL sa CC mo. Yong naiwan sa CL mo is no longer 100℅ kasi nagamit mo na nga yong iba. However, sa natitirang CL mo, pwede mo pa namang i-avail lahat, if you think you need too.

Hi Shirley! 🙋 You can still uses as a reg. credit card. Ang mastercard is open to all stores/merchants. - I will include your query sa video ko next weekend.

@criselle morales, do they ask for pin or cvv ng installment card or di na po just like gold visa na swipe lang okay na?

Hi julie👋 Yes, specially the Installment Mastercard which intended sa Cash Advance talaga.

Hi Thereal!🙋‍♀️ Nasa App mismo ang labat ng transactions. Na merge na din yong bill mo sa cash advance doon sa total bill. At doon sa list of transactions naka indicate doon yong cash advance mo.

Pwede po ba installment din ang payment sa cash advance

Hi Marjory!🙋‍♀️ Yong Cash Advance na 30k pwede siyang i Cash Advance in a way na ma withdraw mo siya sa ATM righy away. Yong Installmemt Master Card kasi, pag nag avail ka sa installment, may process pa siya. Kailangan i-txt or itawag kay Bangko and within the day or more ang process. However sa Cash Advance, punta ka lang sa Bangko, then mag withdraw ka na. Kaya lang next month babayaran mo siya ng buo, pero si INSTALLMENY ,babayyaran mo siya in terms with mimimal interest.

Hellow nagtxt po sakin ung BDO. Na napprove daw po ako sa bdo installment card. Pero hnd naman po ako nag apply nun. Iniisip ko po kung may gumamit ng pangalan ko po. Kc wala po ako natatandaan na nag apply ako nyan. Nakalagay din po na mag sesend cla ng sms pag dedeliver na ung card. Anu po kaya un. Automatic po b un na iaaply ka sa installment card or mag aaply ka? Tnx

@@buhayRiverCruise ganto din sakin ngayon lang nagtex BDO approved daw ako for installment Card pero wala naman ako inapply

@@buhayRiverCruise sa susunod kasi basahin mo pinipirmahan mo. tawag jan ay pre-approved ka kay bdo. kapag regular ang pasok ng pera sa bdo account mo malaki chance na padalhan ka ng cc ni bdo. nakalagay din sa terms and condition yan na pinirmahan mo nung application ng bdp account mo payroll man o personal saving.

hello po pano po malalaman ung pin diko po alam pahelp naman po gusto kopo mag withdraw ihave bdo installment card po

Hi Patrick!🙋 SLR! Pwedeng mag reavail once paid in full ka na.

Hi welder! It's my joy to know that. Stay blessed!❤

Paano Mg aply nyan bos

Paano mag apply maam pwdi ba mka utang 200k

@@CriselleMorales hello mam magkano po minimum cash advance bdo cc?at ilan buwan bbayran

Hi Yoori & Nia! 🙋 Iba pa rin yong Cash2Go sa Cash Advance. CASH ADVANCE is bayad agad the ff. month, pag dating ng SOA. CASH2GO is converting your CL into Cash na pwedeng bayaran in terms pero may add on monthly interest nga lang na 1.00% 🙂

Hi cassie 🙋 Yes, if you do a Cash Advance, it will start accruing interest the day you did the Cash Advance, kaya bayad kaagad, at kung pwede huwag ng mag Cash Advance kung hindi emergency.

@@CriselleMorales pero mam siguro po mataas ang interest ng nag 5.5.6 kaysa cash advance po diba kasi siguro po incase of emergency cash advance nalang po kaysa sa tao po mangutang.. pero tama din po kaya for incase of emegency lang po dapat

@@cassiecute4184 Yes naman. Mas ok nga sa Cash Advance kesa sa 556 for emergency, pero make sure na maibabalik agad ng buo.

Hi Christina!🙋‍♀️Nice to know! Thank you for sharing😀💖

Hi Kevin! 🙋 Cash advance will be billed the following month payable in or before the duedate. Walang installment for Cash Advance where in you can pay in terms.

Sir nakapag CA kana po Ba? If oo San mo kinuha yung pin.

@@PfreenNbeck13 not yet po. Pero ang PIN po ay nire-request mismo sa bangko. Call them and request one tas magpapadala sila ng MAIL, MAIL po hindi EMAIL. Opo naka-sobre po ang CA PIN.

@@CriselleMorales hello po , ask ko lanh po hm po kaya ang interest ng CA?

@@kevingrapani7730 gano po katagal bago ipadala ang mail?

Hi Flora👋 Walang interest to pay pag dipa nagamit ang CC but obliged ka na to pay the AF which is usually charged at the first billing month.

Hi jenny!👋 Interest is collected starting from the day to did the Cash advance. So kahit halimbaw, bayaran natin after, 2 days, ma charge pa rin tayo ng buong interest/fee.

Hi Evette!🙋‍♀️ Thank you for dropping by! Ang American Express Cashback is a card that allows you to enjoy the best offers, get instant savings through the exclusive American Express Selects Program or taste from American Express Invites, meron din siyang emergency medical and legal assistance anywhere in the world. Good for travellers. And, since this is a premium CC medyo mataas lang ng konti ang kanyang AF, P3000/annually and P1,500 naman sa kanyang Supplmentary CC. Ang kanyang finance charge is 2%.

Hi darryl👋🌸 try the Cash Now, Pay Later. Better than the cash advance thru the ATM. May interest but minimal. Inquire kay Bangko if you are eligible or qualified.

Hi Sharmaine!🙋 Dipende sa amount to borrow. Pero sa withdrawal pa lang, 250/na agad ang fee plus the interest starts from the time you withdraw the amount and it is increasing once unpaid. But the Cash Now Pay Later Plan, has a minimal interest rate. Kaya lang kasi from Dec 1 to 31 yong promo I just don't know if they extended it ☺️

Hi Carizza👋🌸 Are you referring to the Installment Card, or the Installment Mastercard? Same app din ang gamit. Sa mismong app, oncr naka log in ka may "more" right down part and from there may "enrollment service" don mo siya i enroll.

Hi Jomar!👋 I will sharing abt it sa next video natin.

Hi Joseph!🙋‍♀️🙂 No problem. Punta ka lang sa bdo branch, they can give you anothet PIN. Or tumawag ka sa hotline nila pero landline kasi kaya mas ok bumisita ka na lang sa malapit na bdo 🙂

Hi CINDERELLA! 🙋Yes, kung magkano ang nagamit mo sa CL, yon ang babayara mo.

@@CriselleMorales salamat po

Hi Je-ann👋 Pwede pero kailangan bayad agad hindi tulad ng INSTALLMENT MASTER CARD na pwedeng installment ang Cash Advance.

Hi PrettyRc!🙋‍♀️ If the merchat/store is affiliated with your CC, then you can apply for installment with 0% interest. So, mag inquire ka lang sa store. Kasi sila ang mag transact with the Bank.

@@CriselleMorales bdo installment card po kc nbigay sakin mam.

@@ahrciie3552 Yes, you can use to purchase where Mastercard is accepted. With the installment plan, it will depend with the Merchant/store. Sila ang gagawa ng transaction with the Bank.

Akala ko kc mam for cash installment lang tlga ito kya ayoko gamitin.Thank you for enlightening me 😘

Hi life!🙋‍♀️ Yes. In the case of having 2 CCs, it is the sole discretion of the bank to give a shared CL. Kaya other card holders, cancel the other card lako na if both have AF. Others may find it na hindi wise😊

Hi Aime! 🙋‍♀️ Palampasin mo ng 10 days, pag wala pa rin, inquire ka na. Visit the bank or call the hotline and ask the statis of your application.

Hi my!🙋‍♀️ You can use to purchase items😊

Hi Chelsy's!🙋 Yes kasama sa SOA mo yong total bill to pay monthly.

Hi Jennelyn! 🙋 One time payment lang and Cash Advance. Hindi siya pwedeng installment. Mag a-appear sa SOA mo the ff. month at mahal ang fees and interest specially once na late ang payment.

@@CriselleMorales mam, ask ko lang if agad-agad ba sila makabigay ng pera once pupunta ka sa BDO office para mag cash availment? TIA

For the loan is: once na release na sa'yo yong loan amt. you have to pay the whole amount in the given terms with interest before you can do another loan. Pero sulit naman with the big amount na pwedeng ma approve sa'yo. In installment credit card naman, ang maari mo lang ma hiram is the available credit limit na ma approve sa'yo. Incase na may natira sa CC mo, and you want to do another installment, pwede pa rin. With regards sa interest, hindi naman nagkakalayo.

@@CriselleMorales Thank you for the reply. Is it possible to get a loan much higher then your existing credit limit po? Example, if the existing credit limit is 50K, can you get a loan for 1M or higher?

Hi Jenny!👋 SLR. Baka ngayon natanghap mo ma CASH AVAILMENT mo?

Hi ryan! 🙋 Installment Mastecard ba yong CC mo? If yes, pwede ba, just follow the instructions I gave in this video. Pero kung hindi Installment Mastercard ang CC mo, sa loan, medyo mahaba ang proceso, pero kung gusto mo, try to call the hotline para ma assist ka ni CSR sa mga requirements. Sa Cash Advance naman, pwede pero you need to call the hotline again para maka pag request ka ng PIN and yong Cash Advance feature.

@@CriselleMorales Good day po, Bdo Platinum Visa po ang issue sakin na Cc. 1 month palang po ang cc ko.

Hi Jacob!🙋‍♀️Yes, basta bayad na pwede mo ulit i-CA next month. Yon naman ang kagandahan sa CC, yong cycle na: Bayad, Hiram, Bayad, Hiram ulit. 😊

@@CriselleMorales pede sya hiramin pambayad ulit no mam? Haha

@@jacobtayag4264 oo pero mag kaiba ang cash availment at cash advance.

Hi Onid!👋 Yes. Babayaran mo siya agad, them pay the rest of the bill before or on the due date 😊

@@CriselleMoralespwede din po na kunyari 5k ang nagamit, 3k lang muna ang babayan?

Hi Joe!🙋‍♀️ You mean, ask ka ng higher credit limit?

50k po maam..my chance po na approved ito?

Hi Joe!🙋‍♀️ Credit Limit increase will be easily approved when you get high credit scores. 50k can be yours once verified and approved basta pasok ka on your creit scores.🌞

@@joepetermonderondo6313 is a

@@CriselleMorales how to get high scores mam

Access it thru the Mobile App.

Hi Jhonnel! 🙋‍♀️ I will be featuring your query sa next video. Anyway, dipende kasi sa need ng isang tao. I will discuss sa next vid. plus I will shout you out 😀

Hi Arlan!🙋 Dahil lumabas na yong SOA mo bago ka nag purchae nong April 12, yong bill mo ay masasama na sa next SOA mo. Bale next month mo na siya babayaran. Don't worry 😀 - Eto yong topic ko tungkol dian, panoorin mo.😀👇 kzfaq.info/get/bejne/h9Z3icuqncm7pZc.html

Hi Lovelyn!🙋‍♀️ Thank you so much!

Ilang % po interest?

hello 👋 can you use it ba for shopping and groceries?

Hi Charito! 🙋 Yes... true 😀 Sometimes inaanot pa nga ng mas maraming araw pag outside mla.

Hi Marco👋🌸 At Least 6 mons ng Credit Cars holder.

Hi Jon! 🙋 Yes, pero 1 point/1.000 worth of purchase. Mahirap i earn dahil ang pinaka reward talaga sa Card na to is the low interest whenever you do a Cash Availment and once it replenishes, you can again avail.

Hi Cindy! 🙋 Ok lang, walang problema basta may available ka pang Credit Limit.

Hi Marlyn!🙋‍♀️ Thank you for watching😊 Oo naman, yong CL pwedeng i convert into cash thru the CASH ADVANCE feature ng CC mo. I withdraw sa ATM using your PIN NUMBER. But I strongly suggest na CASH ADVANCE shld be done kung emergency reason. Mahal kasi ang fee and interest. 😊

@@CriselleMorales kahit bdo po ang credit card ko

@@CriselleMorales kc kesa kukuha kami ng installment n bagay icinvert n lng po namin s cash

@@CriselleMorales mas malaki po kc ang credit limit ko s installment n bagay kesa s cash advance

@@CriselleMorales cnsya napo sa maraming tanong

Hi bloomery! 🙋 Make sure nga approved na, kaya call the hotline or visit the bank to be informed they will give you na din instructions after it has been approved.

@@CriselleMorales Hi ulit mam. Nag apply po kasi ako cash availment sa mismong branch ng bdo sa credit card ko. Normally po pano yung magiging result ng application, tatawag po ba nila saken or need pa bumalik ng branch para mag update? And may chances din po ba ng disapproval? Thank you.

@@bloombrry_4837 Hi bloomery! 🙋 Once approved ang ating application, they will inform us. Hindi nila patatagalin ang pag email, txt, or tawag. Usually, kapag wala kang matatabggap within 1 month, may possibility na freezed or disapproved. Pag freezed, they need requirements at tatawagan ka to inform you 🙂

Hi J Clets!🙋 No Cash Advance, no bill.

@@CriselleMorales thank you po.

Hi johnmon!🙋‍♀️ Ok lang naman pag ayaw mong i withdraw yong Cash Advance. Ang CA kasi ay isang feature just incase mangailangan tayo ng Cash for emergency purposes pero pag dimo nai withdraw ok lang, lalo na mahal ang fees and interest sa Cash Advancrle. Gamitin mo na lang pang purchase sa ibang items like grocery, etc.

Hi chenrica! Oo naman. You can!🙂

Hi Yuno!🙋‍♀️ Use the feature of yoir card to apply for the installment. Mahal ang interest sa Cash Advance, kaya sa installment ka na lang.

Thank you po. If mag cash avail po ako sa branch, mabibigay po ba agad nila yun within the day in cash?

@@yunoseika5897 same question din po. Sana mapansin ng creator.

Bi Preachy!🙋‍♀️ Yes you can but you have to apply for the BDO Virtual Card intended for online shopping, no fees to pay.

Hi Elizabeth!🙋 First time user ka ba ni BDO installment card? Most credit card companies waive the AF if the client meets certain criteria. However for more info, call the hotline or visit the Bank ☺️

@@CriselleMorales yes maam 1st time user po ako ni bdo sa cc na instalment card po.

​@@CriselleMorales automatic ba na activate ang cc ko kahit dipa dumating peru inavail kona ang CA sa instalment card ko maam

Hnd na ma waive ung unual fee.. Itanawag Kuna Yan. Kaya binayaran ko n lng..

Hi Alex!🙋‍♀️ Yong Cash Advance ay manggagaling sa Credit Limit mo, hindi siya seperate amount.

Hi Jim!🙋 It depends kung saan mo siya ginamit. If you applied for a Cash Advance using your installment MC, ina-apply'n kasi yon through text message or by calling the Bank. And once approved, the complete info/instructions will be emailed to you or maybe they will text it to you. Once you used it as a regular CC naman, wherein nag purchase ka ng items may promo ngayon ang BDO that once you reached 3k and/or above it will fall to auto-installment up to 3 mons. You can visit the Bank or call the hotline for the complete info on the installment. Otherwise, ma access mo din ang bills mo monthly through the BDO App.

Hello maam my bdo app po kase ako kabayan saving po gamit ko tapos may cc na po na dumating same app lang po ba makikita ang mga transaction non?? Nung cc ko at kabayan savings

Hi Ariana!🙋‍♀️ Sa meralco possible pero yong rent, the question is my swiper ba yong owner ng pinag rerentahan mo? apartment? If they accept credit card then ok. BUT, baka hindi siya pwede sa installment. Kasi installment is open sa purchase, hindi sa Bills Payment.

Hi maam bale po sa pag ibig mag babayad pede kaya prang installment eksena nun or one time payment talaga ?

@@arianabomba4703 In that case, one time lang. Pag bill payment kasi kailabgan Cash, at pag CC ang gamit one time payment. However, para mas maliwanag, you can call the hotline and talk with the CSR para matanong mo na rin usually kasi, may mga promos sila, baka lang pwede😊

Hi Jayca!🙋 Some AF come on the middle of the year.