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A most horrid experience with RCBC Bankard.


A_Simple_Man

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I think you're missing the point of some of the posts here - some people are being sent credit cards without their consent and without asking for them, and being charged an annual fee for the privilege! Do try to keep up, please! lol

 

A debit card and credit card is not the same

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You can get a PLDT sim card to use in a cell phone and that works as a landline as well as a cell, of course that will not help your hearing situation unless you get one of the phones that has a lot o

It's not only RCBC that has questionable banking policies when it comes to credit cards ...   My wife has a peso account at BDO. They sent her a credit card that had an annual fee associated with it

Just pay cash.   I have an account at HSBC and a few years ago one of the girls there offered a VISA card to my wife, no fee she said and nothing to worry about. It has been a nightmare since, they

johnboy999

A debit card and credit card is not the same

 

exactly ;)

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smokey

With most credit cards in the US, it's pretty easy to disallow a charge like that just by disputing the charge as not authorized. Those trying to ding your account can't come up with a signature where you authorized the charge, since you didn't authorize it, so they are never paid. They are counting on you not seeing the charge until it's too late to reverse the charge. Review your accounts periodically, and make sure that there is no funny business taking place.

 

 

 

that was the old days and sure you can and i do dispute the charges and fill out the forms and mail this and mail that these days your acct. is automatically dinged. Just like getting arrested and your guilty till you prove innoent ,, your charged till you protest and fight it and of course the company that dings you just moves to the next sucker these days if they have your credit card number and the security code they can ding you without signing

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A_Simple_Man
Just get a debit card

I prefer cash

 

Just pay cash.

But the same reply applies:

I found out it is quite convenient to use local credit cards when booking CebuPacific flights. I also found out there are frequent specials such as the air conditioned I purchased with 6 equal payments and no interest if charged to a local credit card. Last are the hotel bookings that save me paying exchange rates if I use a local card. So cash can be a poor second choice in some instances. It is, however, a better choice than what RCBC Bankard put me through.

People who give helpful suggestions as alternatives are missing the point. Point is: Bank sends credit card unasked! Credit card management does not communicate, then adds exorbitant fees to statement. Then (possibly and potentially the most important) takes legal action or just takes the money from your bank account.

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broden
Bank sends credit card unasked! Credit card management does not communicate, then adds exorbitant fees to statement. Then (possibly and potentially the most important) takes legal action or just takes the money from your bank account.

 

this is why it's good to own a bank

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Stranded Shipscook

Here is something from 1998, PCI (now BDO) did send a Master/Visa card to my old adress.

 

I only saw it on my Bank statement. Card Issue fee P300,-

 

It took 2 months, so the "mistake" wasn't discovered earlier.

 

I never asked for that card, all I use are ATM cards.

 

Went to the Bank Manager and asked about it. He checked the " hard copy " files of my account and found a 'form" signed by my (ex) wife.

It was actually just an application form for the joint bank account, I made that account earlier alone and she had to co-sign a few days later.

BUT she ticked of the box "Master/Visa" card along with the ATM box. And a few other boxes such as "online Banking" etc.

She thought ( and I have no reason to believe otherwise ) it was just like in Germany,where the Bank then sends you miore info material.

 

Technically valid and I would be obliged to pay. But because the card never arrived at my house,I was able to cancel that. With the help of the Bank Manager of course.

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Sounds like getting a bank account in the Philippines is more trouble than its worth, lol.....

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SkyMan

Just get a debit card

This is a great suggestion. People are having trouble with banks charging their credit cards and you suggest giving the world access to your bank account.
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Brucewayne

This is a great suggestion. People are having trouble with banks charging their credit cards and you suggest giving the world access to your bank account.

 

 

There are so many fake debit cards out there, that it is getting harder to get anyone to accept them.

Fooda in Consolacion is an example and they have a big sign at the entrance ramp to make sure everyone knows they won't accept debit cards.

BPI offers a prepaid credit card that is actually a debit card in disguise and most places will accept those.

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What I do with ATM accounts is to have more than one Philippines ATM on different accounts in the same bank and keep the bulk of the money in the one account which I do not carry with us and go online daily, weekly or whatever and put enough into the account that I do carry for daily expenses. Also when using the ATM at the supermarket or stores in the PHL putting in a pin is required unlike the co-branded cards in the US where someone can just duplicate it and use it as a charge card.

 

As for US accounts I basically do the same thing, so that way no one gets to empty my account if they duplicate the ATM cards I carry or clone a check I write.

 

BTW when writing checks only use a Uniball 207 pen, see youtube below.

 

http://youtu.be/iwUTvIyRvdk

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Sounds like getting a bank account in the Philippines is more trouble than its worth, lol.....

And communicating from PLDT to a rogue cell phone from another provider is very frustrating. Our visit there 3 yrs ago changed my mind about living there permanently. Nice place to visit.

Fred

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SkyMan
BTW when writing checks only use a Uniball 207 pen, see youtube below.
I don't know about most people but I've written maybe 5 checks in the last, well, this century any way.
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Wombat No More

I've said it before and I'll keep saying it about all those who deserve the tag, "they're all thieving bastards", especially bankers who seem to have little moral fibre whatsoever.

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Davaoeno

I've said it before and I'll keep saying it about all those who deserve the tag, "they're all thieving bastards", especially bankers who seem to have little moral fibre whatsoever.

 

:paul:

:banghead: :banghead: :banghead:
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Ok my wife went to RCBC tabunok to get a managers check for our visa....there were only 2 tellers n when she arrived at 1 pm her number was 220 n the calling number was 140 so maybe mondays r a bad day to go banking...

 

Another thing we noticed with BPI....when we checked our online account which we dont often check there were 3 debits of 300 pesos..She quiried this n were told that is the monthly debit because you let your account fall below 75,000 pesos...wow so if you left your money there as an investment over a long period, you could find that most of your money will disappear. Strange banking practice here where you get penalised for leaving money in the bank while they can use it n still make you pay...

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