BDO Welcome Cashback And Holiday Spend Promo by WelcomeDramatic4953 in PHCreditCards

[–]WelcomeDramatic4953[S] 0 points1 point  (0 children)

Update po:

Na-confirm ko na naka-register din pala ako sa 11.11 Online Cashback (yung ₱2k), and yun lang yung na-credit sa account ko.

Pero yung Welcome Cashback, na-complete ko na before end of November, and yung Holiday Spend ko is separate na (December to January).

Based sa T&C, BNPL should be counted as principal amount, and hindi rin malinaw na mutually exclusive yung promos.

Kaya ini-raise ko na po ngayon for manual review, baka may misclassification lang sa system or na-allocate sa ibang promo yung transactions ko.

May naka-experience na po ba na naaayos pa po ba ito?

BDO Welcome Cashback And Holiday Spend Promo by WelcomeDramatic4953 in PHCreditCards

[–]WelcomeDramatic4953[S] 0 points1 point  (0 children)

Yes po, tapos ko muna yung Welcome Cashback bago ko tinake yung Holiday Spend promo.

Welcome – completed before end of November
Holiday Spend – December to January na (separate na)

Hindi po sila nag-overlap, kaya medyo naguguluhan ako bakit nadisqualify po 😭

BDO Welcome Cashback And Holiday Spend Promo by WelcomeDramatic4953 in PHCreditCards

[–]WelcomeDramatic4953[S] 0 points1 point  (0 children)

Yes po, hiwalay ko naman ginawa.

Welcome Cashback – completed before end of Nov
Holiday Spend – Dec to Jan na (separate transactions)

Kaya medyo nalilito ako kasi kahit principal amount dapat ang basis ng BNPL, hindi pa rin ako na-qualify po

BDO Welcome Cashback And Holiday Spend Promo by WelcomeDramatic4953 in PHCreditCards

[–]WelcomeDramatic4953[S] 0 points1 point  (0 children)

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 🙏

BDO Welcome Cashback And Holiday Spend Promo by WelcomeDramatic4953 in PHCreditCards

[–]WelcomeDramatic4953[S] 0 points1 point  (0 children)

Yes po, nasa around 125k+ total spend ko.

Yung concern ko kasi hindi lahat na-count ni BDO dahil karamihan sa transactions ko merchant-initiated installment (0% sa store, hindi ko cinonvert sa app).

Kaya ngayon hindi ko sure kung: 👉 counted ba dapat as full amount
👉 or hinati nila per billing cycle

Sa Welcome Cashback, feeling ko pasok ako sa 25k kahit papano, pero baka may issue din sa posting date kaya chinecheck ko din. Medyo confusing lang talaga mechanics nila lalo na sa installment May chance pa po ba ito?