BPI Express Credit Card

Last year I asked hubby if I could have a supplementary credit card since we were having a baby. I know for sure that the emergency expenses, like running out of milk or nappies, will be in demand every month. I know that borrowing money instantly is not an assurance for me that when I need to, I can have one. Instead, I ask him and carefully discuss the matter with him. He tried to apply for a supplementary card at his bank, but we didn't get a chance to be approved (or so he says; he really didn't apply for one for me! LOL). But last November, I received a call from a BPI representative telling me that I am entitled to an instant credit card from my respective bank.

That news didn't just excite me, but the mere fact that I don't have to do anything else from applying to waiting for a card approval to going to a bank is a plus for me. They told me that since I have been an account holder for more than two years and I have earned the minimum requirement for a credit card approval, I am entitled to have one! Yay! 

They just ask me personal questions and supply them the answers they need. After three days, I received an SMS stating that within a week, the card will be delivered to my mailing address. Two weeks passed, and I didn't receive any card. Afraid that the mailing address is not deliverable, I ask for assistance from my local branch. They told me to call the hotline instead. Patiently, I tried to call twice already, asking if the card is already in transit and if I might change the mailing address to pick it up instead. 

It's a good thing the customer representative is accommodating and provides me such details and assures me that the card will then be transferred to my preferred address. After a month of waiting, I already told myself that the card indeed is not for me. I look for other ways to track my credit card. I noticed that the card number is posted in my online bank account, and I already saw my credit limit. I am just waiting for the card to arrive, and it will be ready to use.

I learned about the BPI Bankers Online on Facebook. I asked the agent how to track my card. They asked about the card details as well as my information. After 15 days, the card was available for pickup at my local bank's main branch! I was excited, knowing that it really helped me a lot. The BPI banker answered my query a day after posting my inquiry. It is indeed a helpful app!

I haven't used this card for online shopping yet because I am afraid that I might be charged for something I didn't actually buy. I know that there are scammers online and decided to just use this especially for emergency purposes. I am also afraid that I might end up a shopaholic or someone with tons of debt everywhere. 

Now here's something I didn't know until I read the promos through my BPI mobile app. For every 2000 pesos worth of items purchased using this credit card, I can redeem a Jollibee treat of 1 pc Chicken with rice or 1 Yum with Cheese + Hot Chocolate Sundae. Isn't it amazing?!? I already availed twice of these treats from Jollibee, and I still have two receipts with me. I didn't actually purchase anything, but I let my cousin use my card for her groceries! So it's a plus for me.

For other treats, you can check it out HERE. This is also applicable if you use your BPI ATM for EPS transactions. Check out other promos on their website to experience the real thrills exclusively for BPI cardholders.