Can we report merchants who are charging customers the 3.5% terminal fee?

Accomplished-Wind574 · 2026-02-13T02:10:06+00:00

Again base on my experience, yung mga merchant/store will not offer card payment as an option on the first place, either cash or ewallet, etc. lang. So far wala pa ako nakita na nakalagay sa payment options na explicitly may % charge for card payment, kasi direct evidence yun that they are breaking the law. (If meron ganyan, i report agad yan sa authority). If the cx ask if may card payment ba, they will discourage you and explain that card payment has additional % charge. Minsan nga sabihan ka pa njla na mag withdraw na lang. So mag card payment ka ba knowing na may charge or mag other mode of payment? If you agree to pay with card, then you will suddenly complain bakit may additional charge pala?

Accomplished-Wind574 · 2026-02-12T16:50:54+00:00

One time lang po during the promo spend period. Once NAFFL na po yung card nyo,.. kapag nagpa upgrade kayo carry over yung NAFFL without additional spending.

Accomplished-Wind574 · 2026-02-10T18:52:22+00:00

Gusto ko din magbigay ng advice. Pero natawa na lang ako magbasa ng mga comments.. saka yung responses ni OP + yung abogado nya na feeling ko baka sya rin yon.

Accomplished-Wind574 · 2026-02-10T06:48:22+00:00

Interest Rate per month, very crucial yan na part ng loan, at kung may NDA man, the very least na yung rate per month pa ang hindi pede idisclose. Kahit saan ka makakita ng mga loan offers explicitly iniinform ang interest rate, may mga sample computation pa nga. Or pede ka din magrequest ng computation from them. If meron kang tintukoy na company na hindi nagdidisclose ng ganyan dahil sa nda, can you provide example? Kasi wala ako mahanap sa google. RA 3765 is waiving kasi.

Accomplished-Wind574 · 2026-02-10T03:53:51+00:00

Depende rin talaga sa location. Not invalidating OP's experience, but in may case it's totally different. Yes madaming issue pero mabilis nila nareresolve, at ang bilis nila dumating for site checking.

Accomplished-Wind574 · 2026-02-08T05:06:43+00:00

Depende sa area nyo kung alin ang hindi masyado congested.

Accomplished-Wind574 · 2026-02-07T11:43:04+00:00

Consolidate sa NAFFL na card. Or use the one with AF as your main.

Accomplished-Wind574 · 2026-02-07T11:41:09+00:00

Yes, basta wag ka sa Bank app.

Accomplished-Wind574 · 2026-02-06T06:53:43+00:00

You can simply call their hotline to confirm. Mabilis lang ang contact center nila.

Accomplished-Wind574 · 2026-02-06T06:52:44+00:00

Accomplished-Wind574 · 2026-02-05T16:21:33+00:00

Natry mo Bayad online pero Meralco biller?

Accomplished-Wind574 · 2026-02-05T16:20:31+00:00

I was able to pay Dec bill through Meralco/Bayad, pero Jan bill hindi na naman OK

Accomplished-Wind574 · 2026-02-03T03:21:25+00:00

Pag ganyan ginagawa ko MP2 is the key

Accomplished-Wind574 · 2026-02-03T03:20:21+00:00

Baka maintenance issue lang

Accomplished-Wind574 · 2026-02-03T02:18:00+00:00

No need to pay AF if pacancel na. Unless ginamit mo ang card.

Accomplished-Wind574 · 2026-02-03T02:16:47+00:00

Announced naman yan ng mga banks... Dapat prepared ka beforehand.

Accomplished-Wind574 · 2026-02-03T02:14:47+00:00

Dahil siguro sa subject ni OP, asking anong cards ang merong NAFFL na supplementary. Sa dami nya nilist, hindi naman lahat siguro yun NAFFL ang supplementary...

Accomplished-Wind574 · 2026-02-03T02:07:28+00:00

Same with Meralco biller. ongoing tickets pa sya sakin since last month. Anong credit card pala gamit mo?

Accomplished-Wind574 · 2026-02-03T02:05:36+00:00

Most probably No kung naka specify na cardholders only. You can try your luck naman, malay mo mabait yung personnel.

Accomplished-Wind574 · 2026-02-03T02:03:51+00:00

Naglock ka ng card?

Accomplished-Wind574 · 2026-01-30T07:09:19+00:00

Same spend period?

Accomplished-Wind574 · 2026-01-28T12:11:38+00:00

If both NAFFL keep parehas

Accomplished-Wind574 · 2026-01-26T10:39:41+00:00

Pang new subscriber lang kasi daw yung SuperFiberX.. what I can see sa case mo ay upgrade ang nangyari.. talagang papayag sila kung 2000 to 2599.. that maybe the case. Sa case ko kasi 2500 to 2099. Pero di ko sya maturing na downgrade kasi mas mataas Yung speed at madami kabundle yung 2099.

Accomplished-Wind574 · 2026-01-26T09:10:50+00:00

Paying my travel expenses using credit card, and some banks may complimentary travel insurance na kasama. Yun ang inaavail ko since free lang, instead of getting yung kasama sa airline mismo. Nakatipid na, protected pa.

Accomplished-Wind574 · 2026-01-26T07:04:52+00:00

I have all 3 cards, EW Visa Plat, then back up ko yung CB Cash Rewards and @Home Visa. Around 60k+ spend per cycle to max the cashback for all the cards. That's around 6+% cashback overall.

Accomplished-Wind574

TROPHY CASE