Banking, Retail Services, Consumer Rights

BPI International ATM card failure
Tags :  Services, Banking Services
Posted by :  TCEP
Posted on :  June 26, 2012



I have always relied on my international ATMs for funds when travelling abroad. I can't really see myself lining up at money changers, and I'm not a traveller's check kind of person either.

I have had my BPI Cirrus card since 2007 and have used it on numerous trips-it's never really failed me, until now, so you could imagine my disappointment.

Globe Telecom in-store customer service (and how it can be improved)
Tags :  Telecommunications, Payment Centers
Posted by :  TCEP
Posted on :  July 25, 2012


We happen to have different mobile phone providers at work and I personally have chosen to go with Globe. Globe in Eastwood has recently moved to a newer and bigger store, and it seems that a lot of time has been spent in trying to project the image of giving better customer service. < Read more >

Italy Visa application in Manila - a complete guide for tourist visa application
Tags :   Services
Posted by :  TCEP
Posted on :  June 1, 2012

The good news: You don't have to make a personal appearance for a tourist visa

The bad news: It takes a month to schedule your document pick-up, and the hotlines do not work when you need to follow-up on your visa application

Steps in applying for an Italy Visa for Filipino Citizens

How to set an appointment for an Italian Schengen Visa:

Call the paid hotlines (as of writing, the rate is at P32.00 per minute, exclusive of any long distance / mobile phone charges):

1 909 101 2200 PLDT
1 903 101 2200 Globe
1 903 101 2200 Bayantel

There is a free number you could call if you just want to know about the exact requirements, which is (02) 845 9200. However, I find that they did not really provide the most comprehensive list. This is the list as relayed to me by the agent on the paid hotline: < Read more >

Short changing customers: why should customers sacrifice their peso because stores don't have change?
Tags :  Food service, Retail, Services
Posted by :  TCEP
Posted on :  June 1, 2012

Last night I went to Sbarro and after making a purchase, I should have received 183 pesos in change. They only had a single one peso coin, so he cashier asked me if it was ok that she gave me just 181 pesos in change.

See, it was not OK. When short-changing reaches at least 1 peso, there is a psychological shift that happens within me that tells me it is NOT ok versus, say, short-changing me 25 cents. There's a lot I could do with a peso: I could get a small pack of biscuit or three pieces of candy. < Read more >

Manual/offline transactions using credit cards: Companies can (and should) process your payments in the absence of a card terminal
Tags :   Banking, Retail, Services
Posted by :  TCEP
Posted on :  April 21, 2012

Over the weekend, I needed to visit Mercury Drug to make a purchase. The total came to just over 2,500 pesos and so I gave them my American Express card. In most stores, not every credit card terminal accepts AMEX cards and in most cases it is just the BDO terminal that does. At this store, I was out of luck because the power cable for their terminal was frayed and they could not process the card I sadly replied that it was the only card that I was carrying and that they should just do a manual transaction. A manual, or offline, transaction is done by calling the credit card merchant account provider (or BDO in this case) and saying the following:



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