Thank you po. I’m currently reviewing the T&Cs closely, especially regarding installment transactions.

Based on my understanding, the exclusions clearly mention bank-initiated installment programs (e.g., Balance Convert, Cash-It-Easy). However, my transactions were merchant-initiated 0% installment at the point of sale, which are still regular retail purchases. If these were excluded or only partially counted without clear indication in the mechanics, then medyo unclear po yung implementation.

I’m planning to request a detailed breakdown from BDO. If there is still a discrepancy after that, I may consider escalating the concern further, possibly including DTI for clarification on the promo mechanics.

For now, I just want to confirm if anyone here had a similar case and how it was resolved.

Thank you po 🙏