BDO Credit Card: Am I the first?

[pareko89]

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I tried searching for some threads regarding my experience with BDO credit card but found nothing, so here I go:

Yesterday when I reported at the office, I received a mail coming from BDO which I got curious about. I opened it and to my surprise, there I read my first billing for a BDO credit card that I never even got to touch! This is just plain ridiculous! Where on earth did I ever apply for a BDO credit card? Where did I sign up for anything like this?

The bill reflected that I should pay on or before Sept. 28, 2009 the amount of P75 for the membership fee. Membership what? BUT wait, at least that's not much to pay for but I worried what if somebody has the card in my name, and used it to spend at my expense! Clearly, I thought somebody must have already activated the card coz, here I got a bill already!

This afternoon, Sept. 12, 2009 I decided to pay BDO SM a visit hoping I could be enlightened on this. An information attendant said to me that they don't entertain credit card inquiries but anyway I told her about my problem. She gave me a number to call.

Ok, so I got the number and hurried to the nearest phone center called, and had a conversation with a girl agent. I asked her how the hell I got a credit card bill that I never even applied for? She asked me if I have an account with BDO, hell no! She tried to verify some personal information like my full name, address and date of birth, no discrepancies, they must have a very accurate information about me! How?

She told me to wait for a moment and so I have to listen to the talking ads over the phone and it got kinda boring because it was taking too long! Then finally the agent came back on the phone and told me it must be a case of some referrals given to them. Ah, so that must answer why they have a pretty accurate information about me. I asked her who's responsible for giving them such info, and she apologized stating they can't disclose such information. No fair!

To make these senseless conversations short, I asked her where my supposed BDO credit card is and she said it still yet to be delivered! Whaaatttt You mean the bill got delivered ahead of the credit card?

Well, at least the card hasn't fallen into the wrong hands. I still have to receive it.

Now, my point is, I believe they are stepping into my privacy and it looks to me that it is some kind of a fraud. Is it that easy nowadays for banks to impose these kinds of things? If you come to think of it, this may pose a bigger problem later on if you are not quick enough to act on it.

Guys, do you think they deserve to learn a lesson? I need your opinions or if u have already experienced this, please air your concerns here too.

I have to make clear that this was no mistake in sending me that bill based on the very accurate information that they have about me. IT was deliberate.

Could there be any Regulatory agency that takes care of this?

[pareko89]

Up lang ta para makit-an

[quinn_cg11]

hala noh... good thing you posted this...scary sad ana oi...imagine referral lang without application then wala pa card or even signed contract then magbayad na dayun. d bah if credit card ang membership will be imposed after a year of using the credit card?! weird and scary jud bah.

[Shamash]

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[bloodyrose]

They will need your signature to accept your credit card application. If you haven't signed any, then you have nothing to pay. Just tell them it's not your signature.

Ayaw kumpyansa sa BDO, daghan na sila modus para makapangwarta. Possible pud na ilad ra na, dili taga BDO naghatag sa mail.

Btw, karun pa ko anang membership fee para sa credit card. Sa BDO ra tingali na, kay sa uban wala man membership fee.

noh so BDO jud d ay ga himo ani? tsk tsk tsk...

Salig baya kaayu ko aning BDO , Balhin nalang ko metro bank uy....

[Shamash]

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[pareko89]

They will need your signature to accept your credit card application. If you haven't signed any, then you have nothing to pay. Just tell them it's not your signature.

Ayaw kumpyansa sa BDO, daghan na sila modus para makapangwarta. Possible pud na ilad ra na, dili taga BDO naghatag sa mail.

Btw, karun pa ko anang membership fee para sa credit card. Sa BDO ra tingali na, kay sa uban wala man membership fee.

That was what I was wondering about and even scared of. Dali-dali ra diay ni nila ingun-ani mga tawo. I didn't sign up for anything and how were they able to know where I worked and even the full address? Magbuot-buot lang diay ni sila? They are breaching our privacy of information.

Ang kataw-anan pajud kay nag-una pa ang bill kay sa credit card kay to be delivered pa kuno pag ask nako kung kinsa nagkupot sa card karun. Di ba ka makuyawan ana na basin naa nay lain naggamit adto?

They asked me if I shop at SM frequently and yes, I do buy things there using my other credit card but that doesn't mean they could just imagine that I want their credit card and automatically assume that I want one. This is so RUDE!

[pareko89]

Asa kha ta makareport ani na agency para matagam ni sila?

[miyay]

make a complain nalang sa BSP. mao man na regulatory agency sa mga banks.
wa man effect ang application kung walay conforme nimo. pero sa tinuod lang, mao ni marketing strategies sa mga credit card issuing banks. pero kung naay mocomplain basig makahimo og law ang BSP ani...

[Shamash]

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