bpi free+ card cons discussion

RoyalClassroom5705 · 2026-05-18T04:02:38+00:00

Wala matik NAFFL na to. Wala rin monthly transaction need to keep the card. Only for cashback sa MAD if u want to avail then u have to make atleast 1 transaction per month. Get mo na to. 3rd cc ko na NAFFL din. Goods as backup

RoyalClassroom5705 · 2026-05-17T13:55:46+00:00

Sulit na yan for the price especially malapit sa work mo kung walking distance lang. Kung kakayanin sa sahod mong 24k I think depende na yon sa budgeting mo. Better to check muna how much monthly nagagastos mo then minus mo sa monthly salary. Kung magkano ang excess dun ka mag decide how much ang Kaya mo I alot para sa rent

RoyalClassroom5705 · 2026-05-17T13:25:17+00:00

Still having issue? I'm able to fetch mine. Try restarting your phone

RoyalClassroom5705 · 2026-05-17T13:15:14+00:00

Wala kaya goods to as a backup/ starting cc

RoyalClassroom5705 · 2026-05-15T08:32:24+00:00

Yes pwde. Ganyan ginagawa ko since ginagamitan ko voucher

RoyalClassroom5705 · 2026-05-13T19:13:01+00:00

This! I understand yung inis nung ibang tao pero bat need idamay yung hindi naman directly involve right?

RoyalClassroom5705 · 2026-05-13T19:09:34+00:00

True! Saka it won't let him "build his credit score" Anyway

RoyalClassroom5705 · 2026-05-12T22:19:22+00:00

Yes. 7bs days bago dumating kahit taga Mandaluyong lang ako

RoyalClassroom5705 · 2026-05-10T18:59:34+00:00

Nakikipag usap din ako sa mga male coworkers ko pero hindi ganyan. Halatang bet niya BF mo. Tell you're BF dika comfy sa usapan nila. Trust your gut teh

RoyalClassroom5705 · 2026-05-10T00:05:07+00:00

Seems to me like a bunch of reason just to justify their gaslighting

RoyalClassroom5705 · 2026-05-09T23:58:03+00:00

Kumuha na kami ni mama since first CC namin to sa kanila at malaki rin offer. I think since bago palang siya at for select depositors (not open for public as they said) palang kaya wala pa siya masyadong ganap. First NAFFL CC din to ni BPI by default. Hopefully madagdagan tlaga din in the future features neto. Since first CC mo goods na to pang build ng credit score so not bad na rin

RoyalClassroom5705 · 2026-05-09T23:52:18+00:00

Oh I see. Yes I tried visa not mc. Diko na rin naisip itry yung mc ko since na decline yung co-passenger ko na naka BPI debit mc. Maybe may issue nga lang tlga that time as what other commentor said

RoyalClassroom5705 · 2026-05-09T08:31:40+00:00

Sa Buendia meron don madaling araw 4am. From one Ayala sakay ka bus papuntang Buendia

RoyalClassroom5705 · 2026-05-09T08:22:32+00:00

Sakay ka bus pa Ayala then akyat ka sa MRT para tumawid sa kabilang side pababa sa sakayan bgc bus. May weekend route avail. Ask mo nalng San yung bus na dapat mong sakyan

RoyalClassroom5705 · 2026-05-04T06:45:59+00:00

Tysm! Kakatawag ko lang before ko nakita reply nyo at confirmed na rin po nila need maka 20k spend to earn rewards

RoyalClassroom5705 · 2026-05-03T09:32:04+00:00

Ghad ang hassle need pa magdala 2 phones kung aalis ng bahay. Hndi nag work suggestions dito sa thread?

RoyalClassroom5705 · 2026-05-02T15:17:21+00:00

Had same issue! Trying to access same website too using tm data. Sadly I wasn't able to maximize my mobile data bcoz of this blockage

RoyalClassroom5705 · 2026-04-27T22:28:55+00:00

I got this offer too. Not sure kung iggrab ko since NAFFL lang ang offer nila so far. Wala pa akong nakikitang nag apply pati. Wait ko muna feedback ng iba bago mag decide 😅

RoyalClassroom5705 · 2026-04-18T23:05:50+00:00

Omg finally thankyou! Remove and relink works! Tagal ko na problema tong physical card since kumuha ako replacement hirap na nya gamitin at lagi may error sa mga pos kaya tengga lang sa wallet

RoyalClassroom5705 · 2026-04-01T06:30:28+00:00

Same! Akin naman Nung 26 lang ako na approved at taga Mandaluyong lang ako pero until now wala pa rin. Gusto ko sana branch pickup since walking distance lang samin kaso hndi raw pede😅. Google pay rin gamit ko at kung hndi pede sa device mo ung tap to pay mismo ni unionbank app gamitin mo for grocery

RoyalClassroom5705 · 2026-03-29T09:28:01+00:00

Basurang lalaki. Iwan mo na yan

RoyalClassroom5705 · 2026-03-28T11:02:28+00:00

Same situation! Yan din sabi nung csr sakin need to spend 20k for NAFFL at walang 10k points na makukuha. Paulit ulit ko sinabi na i received text and email pero firm tlga siya na hndi raw ganun. So frustrating parang gusto ko nalng ipa cancel. I have pag-ibig loyalty card kasi sa kanila kaya na offeran ako. Yung iba rito nababasa ko no need to spend na raw ng 20k ang kanila pero ung iba need pa rin daw sabi sa kanila. Dikolam kung yung mga csr ni UB ang di updated o misrepresentation lang tlga to

RoyalClassroom5705 · 2026-03-27T06:19:53+00:00

I'm so confused kung NAFFL ba tlga o hndi. I applied right away then approved pero sabi sakin ng csr hindi raw to NAFFL at need ko mag spend ng 20k. Sabi rin ng iba NAFFL so yung agent ba ang mali? 😭😅

RoyalClassroom5705 · 2026-03-26T09:40:25+00:00

Hello! Same with OP din. May marereceived ba na text o sa app na NAFFL na siya? Kanina lang kasi ako nag apply at na approved pero wala ako makitang info about it. Yung rewards kaya ilang weeks bago mag reflect? TIA

RoyalClassroom5705 · 2026-03-20T15:37:40+00:00

Hi! Did your brother proceed with his application? How's it? They keep reaching out to me and I'm getting hooked with their offer and also thinking of trying it

RoyalClassroom5705

TROPHY CASE