During the last two months, BDO Credit Card offered a promo called Premium Treats for all BDO Credit Cards (Gold and Platinum) and Equitable (Mastercard, Visa and American Express) cardholders. Under this promo, cardholders must collect their charge slips and reach the minimum spending requirement to redeem a freebie item or get 50% off on gadgets purchases.
I was able to collect P70,000 worth of charge slips which would entitle me to get a free 1 GB USB. So off I went to BDO on Site branch at The Block. I went there early at 10:30am. There was only one teller and there were around five persons ahead of me. I waited for my turn and when I got there, the teller took my charge slips and other docs and brought it to another girl who was inside the office. After 10 minutes, this girl came out and told me that my request cannot be processed since I had included an internet transaction. And that I will need to get a certificate from their call center. The internet transaction was for an online hotel booking and I just printed the voucher/receipt. Understandably, they might not trust any self-printed material, so I also submitted the statement of account that showed the said transaction.
To my surprise, the girl told me that the statement was unacceptable. I would still need to get a certificate from their call center!!! I guess when they say "WE FIND WAYS", they really do find ways to make it inconvenient for you to get something for free. I was fuming mad, I pointed out to the girl that the promo mechanics did not state that such a procedure should be done for internet transactions. But she said she could not do anything since that was their policy. I told her that they should have included that in the mechanics, so that people will not waste time, gasoline and parking fee just for a technicality.
Then around noon today, I called the call center and requested for my certificate. After verifying my personal and the transaction details and after putting me on hold TWICE!!!, the call center agent told me that it will take 3-5 banking days to get the certificate approved!!! WHATTHE*&^%!!! Their system already showed such a transaction existed so why should I still wait for an approval??? Our car loan took only ONE DAY to approve. By DAY 3, we were driving the car home.
And they were voted as BEST BANK IN THE PHILIPPINES for 2007???
This was not the first inconvenient incident that happened to me while doing business with this bank. A branch near my office opened last year and I opened a saving accounts with them. Sometime this year, I had a customer who paid me a check. So I had to encash the check at my branch. After WAITING WHILE STANDING for 30 minutes, it was finally my turn. I gave the teller my driver's license and the check payable to cash for P2000. Lo and behold, the teller asked to see the OR of my driver's license!!! I've been doing business with more than ten banks for more than ten years and this was the first time I had to show the OR of my driver's license. Even the cops don't ask for that. SHEEESSHHH… THEY REALLY DO FIND WAYS…. TO MAKE YOUR LIFE HARDER. I am even a depositor at their branch and yet she asked for that?!? I gladly closed my account.
P.S. As of Wednesday afternoon (two days after my request), I received the certificate thru fax and was finally able to redeem my free 1gb USB.