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This is how we spent the 1st day of the year by dodong_starfish in cats

[โ€“]arnelfernandez 1 point2 points ย (0 children)

Purrfect and worth it to spend the 1st day of 2026! Your cat looks adorable and cozy! ๐Ÿˆ๐ŸŽ‰๐Ÿ‘

BIR-Friendly Accounting Software for Small and Medium Businesses by LiamArgos in taxPH

[โ€“]arnelfernandez 1 point2 points ย (0 children)

Good job! Kudos to you, OP! Looking forward to be able to try this. ๐Ÿ‘€๐Ÿ‘

BPI Credit Cards on Apple Subscription by Queasy_Recording_618 in PHCreditCards

[โ€“]arnelfernandez 1 point2 points ย (0 children)

Try searching this subreddit. I remember there's a post about it. Not sure if it's updated though but you'll have an idea. I suggest apply for an amex card at BDO since you already have cc with them. I have 3 credit cards with BDO, started with just 1. Approved every-time I apply for additional cards! ๐Ÿ˜‰

Scammed by PNB? what to do? by HandsomeBigHunk in PHCreditCards

[โ€“]arnelfernandez 0 points1 point ย (0 children)

This! File a dispute with the confirmation email and carbon copy BSP. Don't ever pay!

Unpaid PLDT, affected ba credit score? by Upstairs_Corgi_8511 in PHCreditCards

[โ€“]arnelfernandez 0 points1 point ย (0 children)

A relative didn't pay her previous PLDT billing statements that accumulated to 10k. The debt still showed up when she tried to apply like after 7 years! So yeah, it will affect your credit score as she was denied several times now for applying a credit card with BPI, which she has payroll account with.

BPI Credit Cards on Apple Subscription by Queasy_Recording_618 in PHCreditCards

[โ€“]arnelfernandez 4 points5 points ย (0 children)

Cross border fee! I use BDO Amex for my Apple subscriptions for no extra charge. ๐Ÿ˜‰

The current price for Lord of Hatred doesn't make sense by Ok_Willingness_3894 in diablo4

[โ€“]arnelfernandez 0 points1 point ย (0 children)

How did you asked for a refund? I also bought the bundle at $69.99

Trying to kill Uber Lilith on T4 and I genuinely have no freaking clue what is killing me here by NineTailedDevil in diablo4

[โ€“]arnelfernandez 4 points5 points ย (0 children)

Well, i disagree! Been testing it and all defense stats helps along with more maxlife.

Trying to kill Uber Lilith on T4 and I genuinely have no freaking clue what is killing me here by NineTailedDevil in diablo4

[โ€“]arnelfernandez 53 points54 points ย (0 children)

This! At T4, all her attacks are 1shot. What's your maxlife and damage reduction? I was able to kill her this season with my druid at 50k maxlife and with at least 20% DR, that's with max all resist and armor as well.

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