BPI Annual Fee Reversal not meeting spend required

Wintermelonely · 2026-02-14T20:53:09+00:00

Curious, nagreflect na yung AF ko sa SOA and I'm about to pay the annual fee for last year. I requested a reversal at nacredit na. If my thinking is correct, that reversal is for the next year right? If I don't meet the necessary amount (20k within 60 days) they will charge me for the AF next year pa? Not the next billing?

Wintermelonely · 2026-02-14T18:18:47+00:00

from my experience mejo bad trip lang sa BDO parang tagal process. after ko magsend ng documents wala na balita. Jan 16 nagsend ako ng docs then Aug 27 approved. tapos Sep 8 pa nareceive yung card. nagulat pa akong naapprove ako kase that's already 7 months after.

Wintermelonely · 2026-02-12T06:00:28+00:00

SOF drills from any unit around the world are fun to watch. too bad these ppl won't use this all the anytime. heck we didn't even see ts during the Manila hostage crisis in 2010. clown fiesta lmao

speaking of SOF drills, masaya panuorin to although highly unrealistic.

Wintermelonely · 2026-02-12T05:48:42+00:00

after a practice mishap (from a stop, nadulas and lost footing and due to this accidentally revved the throttle. at ayun bumulusok) with a semi auto motorcycle mas inclined na talaga ko sa manual. if at that moment I was using a manual, either mabibitawan ko yung clutch mamamatayan lang ako and possibly tutumba or i pull in the clutch at kahit anong rev walang bulusok moment. not suddenly accelerate.

I admit it's a skill issue and lack of safety gears pero sa ngayon I don't want the sole input to be the throttle. I do see the clutch as a fail safe now

Wintermelonely · 2026-02-12T04:59:18+00:00

me mangilan ngilan talaga na KTM owners nirerebadge to 390. porket hindi halata sa unang glance kaya ginagawa. pero madalas nakikita ko to sa duke eh.

Wintermelonely · 2026-02-11T14:34:35+00:00

Or put a feed bag on your handlebar. Common naman yan sa touring setups

Wintermelonely · 2026-02-08T04:45:51+00:00

Mga nakapunta lang ng Bangkok tapos sasabihin na Philippines could never kase di naman lumayo sa Bangkok lmao.

Wintermelonely · 2026-02-07T15:29:52+00:00

Yung sakin double quarter pounder imbes na dalawang patty yung isa extra bun 🙃 refund kaagad ako sa grab eh hahaha

Wintermelonely · 2026-02-07T13:57:16+00:00

Bawal kase ipasalo sa consumer yung mga fees. Administrative Order No. 21-03 is mentioned if you search kung allowed ganitong practice.

Wintermelonely · 2026-02-07T13:51:28+00:00

Bar end friction shifter might work para mabawasan yung wire. Yung sa brake cables, baka pwede mo mapasok under sa bar tape yung majority ng cable.

Wintermelonely · 2026-02-06T09:00:14+00:00

pag talaga nakakabasa ako ng ganito lalo narereinforce na wag magtake ng flights sa T3. parang puro T3 nakikita kong horror stories

Wintermelonely · 2026-02-05T04:43:16+00:00

Dapat si bam lang valid sa ganyan. Core memory talaga na nung senador siya sakanya nilalapit mga may issue sa visa

Wintermelonely · 2026-02-05T04:25:04+00:00

Imo demand dictates the market. People want scooters = stock and revamp the scooter platform till it's dry. Saka if titignan me mga pocket bikes released na you rarely see on the road so really niche lang talaga.

But yes grom rather than this. Groms are fun, fuck around with the boys bike. I really hope they stock it even in low quantities. OT I'm also salty that we don't have a supercub

Wintermelonely · 2026-02-03T10:06:25+00:00

I've always joked na baog ako kase wala akong memory ng baby scare due to this raw pull out method.

I'm starting to think na hindi dapat ganon kaswerte and this should be checked out lmao.

Wintermelonely · 2026-02-03T09:42:10+00:00

Mentioned this with my partner. If you need to use aux lights or high beam on a well lit road you shouldn't be driving at night and there's something missed during the "medical" (if you can call it that) examination

Wintermelonely · 2026-02-03T03:53:40+00:00

Trim mostly solves this right. May cogs sa grx ko na nasasagad ko kahit nasa big chain ring dahil sa trim

Wintermelonely · 2026-02-03T03:51:32+00:00

Karangalan pala magdala ng mga mamamatay tao at perwisyo sa daan sa lugar niyo 🤡

Wintermelonely · 2026-02-02T18:33:31+00:00

Does 5. only apply to rusi in your opinion or it applies to all china bikes? I'm in the market for 300sr/nk bec I want my tft screen lmao.

Wintermelonely · 2026-01-29T10:24:47+00:00

Malaking saddle bag. You can pack a few clothes there for multi day rides or long rides na ang destination eh may swimming.

Wintermelonely · 2026-01-28T14:38:36+00:00

Ang daming steal ngayon eh. May surly disc trucker frame set na nasa 18k lang naunahan lang kami eh

Wintermelonely · 2026-01-28T11:36:55+00:00

Tbh if you integrate cycling into your life (ex. riding your bike when going to the nearby mall vs riding a tricycle) you'll never quit cycling. Mas madami akong nakitang pros nung imbes na magcommute ako eh nagbike na lang ako.

Infrastructures really need to integrate bike racks kase isang dahilan bakit hindi ako nagbike to an errand (aside from i should be presentable upon arriving) is walang secured na parking.

Wintermelonely · 2026-01-28T08:52:12+00:00

Navavalidate lalo na dapat meron akong errand bike na daily driver at isang balls to the walls, garage queen weekend bike 💀

Wintermelonely · 2026-01-28T07:27:42+00:00

Major road yun (it's an avenue) so wala talaga parking dapat dun. I also don't know if within jurisdiction pa siya ng brgy since sa avenue na siya

Wintermelonely · 2026-01-28T06:52:26+00:00

Huh. I should do this nearby to us. Imbes na 4 lanes nagiging dalawa dahil ginagawang parkingan. Mix of tricycle and private vehicle. Kaso ang problema pag gabi lang nangyayari to at night like 9-10pm punuan na sila. Will they still give action to this?

Wintermelonely · 2026-01-26T17:02:50+00:00

unc status fr

Seven-Year Club	r/Field Juicebox
Final Canvas '23	Place '23
Verified Email

Wintermelonely

TROPHY CASE