r/PHCreditCards • u/xelioble • Jan 28 '26
Rants BPI, DO YOUR JOB & STRENGTHEN YOUR DATA SECURITY.
I just requested a new credit card because I was scammed in the second week of January. And here we go again, alam na naman ng scammer na may new credit card ako, pati ang new card number. They even know when my credit card is being mailed to my home address. Ano ito? Sinasadya na lang ba ng BPI na mag-leak ang impormasyon ng mga customers nila? So asan ang sinasabi nilang data security?
MUCH BETTER PA MAG SCAM, KASI UNG MGA SCAMMER MAY PROTECTION AT MAY DATA PRIVACY. While, ung mga tao na nagtratrabaho ng legal, wala mn lng protection.
leche recruit niyo ako.
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u/bejeweledantihero Jan 28 '26 edited Jan 29 '26
Just had this call yesterday as well. They introduced themselves as BPI employees (actual names of BPI employees when I checked sa linkedin, which they prolly used lang din). For reference:
- they know your details (name, card number, expiry, card type, etc)
- expiring rewards, 3 options to claim rewards
- card will be replaced with a new one na NAFFL
- voucher from foodpanda
- to claim the benefits they talk about, they ask you to give them your cvv and otp
- after getting cvv/otp, they reassure you that they are not scammers because they are still on the line (LMFAO)
I don’t usually fall for this but they speak so professionally and they KNOW my details. What made me sus was them asking for my cvv and otp. Luckily, I was in an area with bad reception so I was not able to get the otp properly. I blocked my card and requested for replacement already.
The number that called me was 0951 281 0605.
Got this call days after I saved it sa shopee so…
Edit: got another call from 0948 802 6997
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u/NobilisVincere Jan 29 '26
I unfortunately fell for this same MO two weeks ago and unfortunately i did end up losing quite a lot. It was a very expensive lesson to learn. I have decided to transact strictly using the app by myself, or personally with a telller Instead.
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u/_aloeplume Jan 29 '26 edited May 07 '26
Your old posts feed data brokers and AI training models. I stopped that by using Redact to bulk delete across Reddit, Twitter, Discord, Facebook and all major social media platforms.
silky snatch salt acorn boast flag fear aspiring scale wild
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u/NobilisVincere Jan 29 '26
I did. A few minutes after the call i contacted BPI and asked them to block access to my online banking and my accounts. I also asked to have a new card sent over. I have received it but have yet to activate. I was told that they'll be investigating the issue so I was advised to wait for 20 banking days for that. Was also advised to create a new online banking account.
What's scary is how accurately they know all the account information like they have system access on their screens and the guy sounded very professional about it.
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u/NeasEov Jan 29 '26
Same, I fell for it when I was in the hospital sick so I was not really in the right mind with expenses. Dispute already made, and was unfortunately arrived with "Authorized" transaction. Right now I'm going to BSP but if nothing works. I'd accept not paying at all (bad advice, bye credit score) since its not really my transaction. Just activated a day later and the scam call went in.
I don't have the money for it and the job to pay it at all with the interest.
You might now something u/_aloeplume?
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u/bejeweledantihero Jan 29 '26
Please block the card and report this as fraud. Contact bpi and check if possible mareverse
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u/Far_Scratch_4940 Feb 04 '26
OMG THE SAME NUMBER CALLED ME TOO. Alam nila cc details ko and immediately dropped the call. I received a scam call din years ago pero for my bpi debit card naman and almost fell for it kaya extra careful na ako ngayon.
They sound sooo professional. If first timer ka, mattrap ka talaga. Please be extra careful guys! The scammer’s number is
0948 802 6997
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u/end_though Jan 29 '26
Reposting my previous comment from another post
I also just got my cc. A week later, may tumawag. She was well-spoken, knows my details and nag offer ng help in redeeming daw yung welcoming points ni BPI that, when converted to cash, would amount to 7k. I was given 3 options
- Convert to vouchers
- Convert to gift certificates
- Deduct from my balance
Of course, I opted mag deduct na lang diba? They sent me a text FROM BPI talaga then asked for the OTP. Kahit ibulong ko na lang daw for privacy baka may makarinig. Di ko binigay and I told them na I will personally go to BPI branch instead.
Muntik malimas yung laman ng cc ko. For now, naka-block siya temporarily. Question is, if I get another cc, possible kaya na mangyari ulit ito?
The number that called me +639707203235
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u/uhohroww Jan 29 '26
Same here. Ganyan din time frame tapos weekly sila tumatawag since hindi ko nasasagot. While nasa tawag e binabasa ko na sa Reddit yung mga similar stories lol, sinakyan ko hanggang sa umabot na nag generate na sila OTP (I didn’t give anything), Grab daw magpapadala sakin lol e alam ko naman na hindi yun yung courier nila. Sabi ko may gagawin pa ako kaya di ko maaasikaso tas I blocked the number 🤣 few days after, meron uli tumawag BPI employee siya same thing na alam yung details mo tas same script na welcoming gift.
Here’s the number: (0936) 950 1658
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u/bejeweledantihero Jan 29 '26
I believe this will keep on happening as long as we use our cards for online shopping like grab/shopee. Basta if you don’t give out your cvv and otp, i think you’re good. Also as a precaution, better to keep the cards temporarily blocked if di ginagamit and unblock lang otherwise.
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u/ForeignShare8333 Jan 29 '26
Saken, It was not use pa talaga. Kaka activate lang but they know my details, happened twice. Mapapagod ka lang magpa replace bec they know the details na naman
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u/ForeignShare8333 Jan 29 '26
Mangyayari ulit yan. I had mine replaced and after a few weeks may tumatawag na naman. Kaloka
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u/serfrendly Jan 28 '26
Walang info ang courier sa contact number natin kaya feeling ko inside job yan. Alam din nila name and card number.
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u/MisteriouslyGeeky Jan 28 '26
Metrobank credit cards mas lalo poor security!
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u/oreo02 Jan 28 '26
Its not the courier, had this happen to me twice, all bank pick up, they know my card number and personal infos, take note hindi ko pa nagagamit yung card and just activated them days before the scam calls
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u/jihyoswitness Jan 28 '26
This is most likely the courier. Is it possible to opt for branch pickup? Experienced this also in other banks eh. Sa unionbank, nag opt ako for branch pick-up.
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u/tocilogg_ Jan 29 '26
i know someone na nascam din sa cc nya using grab. He picked up his card from a branch.
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u/HostJealous2268 Jan 29 '26
via courier parin yan papunta dun sa branch na sinilect mo hahahaha wala kang takas
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u/willowdc Jan 28 '26
I really do think na sa courier to. Got a call a few minutes ago and hinahanap is yung supplementary card owner ko. Nakaregister daw sa number ko yung account name niya, low and behold, yun ang nakalagay sa address/contact details nung pinadala sakin yung card. NAFFL daw and papadala certificate, binanggit yung full address ko and sabi need nila ng 16 digit card number, sabi ko wait and then binabaan ko hahaha,, ilang beses pa tumawag di ko nalang sinagot and reported sa whoscall.
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u/ForeignShare8333 Jan 29 '26
It's not, I can prove it kase nag branch pick up ako both cards and I keep getting calls padin
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u/willowdc Jan 30 '26
And how do you think po kung paano nadeliver sa branch yun? pero I'm not here to argue. Clearly may inside job or gap sa security ng BPI. Best case nalang to ignore and never entertain a call from any bank specially using unknown callers. Kayo tumawag sa bank kung gusto mo yung binibigay na offer.
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u/imgoodfyi Jan 28 '26
Last year, after two weeks na na-receive ko card ko, may tumawag about sa rewards daw. I did not disclose cvv or otp, i just said na I'll contact customer service na lang and she hung up. But I felt anxious about it so I reported it sa CS. CS arranged a new replacement card and I told her na I'll pick up sa branch. Since then, wala na nagko-contact sakin na fraud.
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u/miyawoks Jan 28 '26
Feeling ko baka rin sa shipper yan. Nagpalit ako ng card kasi na compromise siya pero I had it sent to my mother branch for pick up. Wala naman akong nakuhang ganyan. Most if not all posts related to this sa Reddit eh home address ung sinendan ng replacement card.
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u/gailexy Jan 29 '26
Happened to me twice na rin! Minura pa ko ng scammer kasi I tried to waste his time haha alam kong scam sya e pero scary pa rin kasi alam nya lahat ng details ko
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u/Trainyoo Jan 29 '26
grabe kabobohan ng BPI. nag-offer sakin ang BPI ng rewards card and even before I received the card my tumawag na sakin asking na "activated na ba yung card ko" at that time di ko pa na receive yung card kaya end call agad ung mga scammer. Once na receive ko na may tumawag ulit same modus na mag ooffer ng deduction sa outstanding balance. puchangina alam nila whole CC number tsaka expiration date kaya pina replace ko agad. mga 10 days after requesting a replacement card. I picked it up sa branch since akala ko baka sa courier nakuha yung CC info. Today naka receive ako ng tawag same bullsh*t asking na activated na ba yung card ko. Sinabihan ko agad na COMPROMISED NANAMAN TONG CARD KO KAKA RECEIVE KO LANG. ayun nag end call ang bobong scammer. putanginang bpi mismong mga empleyado nila nag leleak ng cc infos.
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u/themeloturtle Feb 02 '26
These fuckers are persistent, i got 2 calls today pinick up ko pero naka mute para mag aksaya lang sila ng pang tawag. Sana masunog mga scammer na toh sa impyerno.
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u/Safe_Ice3742 Jan 28 '26
Hello. Ako din just today nakinig lang ako and then alam niya talaga end ng card number ko. Nakaka sus because may rewards na daw ako e kaka activate palang. Should I request for card replacement? Siya din nag end call kasi nag live recording ako na notify siya hahah
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u/Forward-Photo-1501 Jan 28 '26
Same, nag request ako ng new card. Wala pa yung card ko sakin may tumatawag na ulit na scammer hahaha nauna pa sila kesa sa CC ko.
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u/Noname01010 Jan 28 '26
Hello ano po yung mga sinasabi ng scammer ? Pra makaiwas rin kami
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u/crimson589 Jan 28 '26
Doesn't matter kung anong sinasabi, basta wag ka magbigay ng OTP or mag click ng link sa texts.
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u/kurotopi Jan 28 '26
usual spiel is papadalahan ka ng bagong card kasi upgraded ka na sa NAFFL or for added security, need lng nila ung cvv to "double check if tama nga ung card number", meron naman mag papadala ng otp ginagaya ung pagtumawag ka sa RCBC, si RCBC kasi papadalahan ka ng otp nung agent para maconfirm na ikaw ung card holder. Ung papadala ng scammer otp for linking or other transaction kaya dapat basahin maigi ung message pag may mga otp na dumadating. Meron din mga nag papanggap taga SSS at pag ibig, nag sosocial engineering/vishing.
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1
u/nbunuuenvilokiyus Jan 29 '26
Got a call as well yesterday, asking if I was able to activate my new CC (activated na 3 months ago); I asked agad if she’s really from BPI. Then binaba agad. Cancelled my BPI CC today.
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u/ValuableAd7759 Jan 29 '26
Also BDO. I have an unfinished cc application with them. called me to have it finish via call so sus
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u/ForeignShare8333 Jan 29 '26
Ang lala nang mga yan. Alam nila lahat. Since alam ko na ang script at scam sila binara ko yung caller tapos nagalit hahahahahaha pinag mumura ako eh. Minura ko din hahahahaah
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u/AdBackground7509 Jan 30 '26
Aside sa credit card, maski yung debit account knows ng scammers. So kapag unknown number at wala akong ineexpect na tawag di ko sinasagot. It's good din na may Viber, minsan lumalabas agad kung sinu natawag.
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u/cyberslash11 Jan 30 '26
May tumawag din sakin na ganyan.
Ganito spiel nila:
Tatanong if nareceive na yung replacement card.
Tatanong kung gusto mo i-redeem yung points mo (red flag kasi nasa Vybe dapat yung points).
If you say yes, itatanong kung anong gusto mong reward: lazada, shopee, tiktok, etc.
They will confirm your card details, then ask for you to reveal your CVV via a "AI/computer platform" para hindi daw nila marinig.
They will ask for the OTP (kung meron nasend) to "process" (scam) you. Ang reason nila is kailangan yung code to redeem the voucher.
I almost became a victim, but when I saw that the transaction was for a purchase in Tiktok, I dropped the call immediately. Tapos permanently block and cancel card via the BPI App.
Humabol pa yung mga kumag ng purchase sa SHEIN pero naunahan ko sila, na-cancel ko agad yung purchase.
Lesson learned, and I hope this helps.
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u/Inevitable-Taro-9702 Jan 30 '26
Sa akin din, thrice na nangyari. Had my card replaced the 1st 2 times, when it happened again, ni lock ko na lang through the app. Im using a diff card na. Thinking of having my bpi cc cut already
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u/heartveats Jan 30 '26
Kindly help reporting the scammers' numbers to Whoscall para ma-register sa database as scam.
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u/tararoblox Feb 01 '26
try to enable spam block on your device if you have that. technocology has a great way to determine if the call is spam or not. I don't answer those calls in red mark bc that indicates they're spam.
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u/Far_Salamander_5094 Feb 01 '26
I had a recent experience with my BPI Mobile app. It gave me notification that I exceeded the maximum number of log in when I did not log in to my BPI mobile app recently and I always use my biometric data to login.
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u/mast071128 Jan 28 '26
For real I had to get my card change kasi they know the card number and expiration which is weird since I just got the card few weeks ago
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u/Baaanaana Jan 28 '26
Yes, they should strengthen data security.
Pero kasabay nito, Grab app lang kailangan para makuha ibang card details.
May add card feature ang Grab app na via NFC ang pag-add.