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BDO Credit Card Overcharge
I recently lodge my visa, and I paid for it using my mom's BDO credit card.
Smooth naman ang transaction sa payment until we got the billing statement.
At the time of writing this post, the visa lodge fee for subclass 489 (invited pathway) is 3,755 AUD but there is a surcharge of 49.57 AUD so the total payment is 3,804.57 AUD or about 143k-145k PHP.
When using a BDO credit card they have this "style" where all foreign currencies will be converted to USD. So when we got the credit card billing statement from BDO, the converted value of 3,804.57 AUD is 2,827.94 USD.
I use Google's exchange rate to get to know how much is it in PHP, and it's amounting to 149k-150k PHP.
I was surprised. Bakit anlaki ng tubo. Again, using Google I tried to convert AUD to USD here's the converted rate
3,804.57 AUD = 2,708.65 USD
Given that, san galing ang 100+ USD na nakalagay dun sa billing statement?
My mom asked them and sabi nila wala na daw silang magagawa kasi system generated na daw yung conversion na yun.
Sana tinuloy ko na lang ang pag overpay sa BPI credit card ko. I do a lot of online foreign transactions using my BPI credit card and I haven't experienced any of that.
We also had an incident before with a airplane ticket. Mas mahal ang nakalagay sa billing statement so we report it to them and they told us to pay for processing fee so that we can get a refund. I forgot how much is it but the processing fee is bigger than the excess amount that should be refunded to us. And on top of that, it's possible na ma-cancel ang plane ticket kasi mag investigate pa sila.
Sirang sira na ang image ng BDO sakin. May mga rumors pa ng ghost withdrawals for accounts that are own by OFWs. And they'll let you wait for 1-2 months before you get your money back.
Bagay na bagay ang motto nila: "we find ways" to legally steal money from you.
PS. I know Google and bank exchange rates are different. I just check it with Google first to at least have an idea of the conversion.
Software Engineer (261313) | Age = 30 | Education = 15 | Experience = 5 | English = 10
28.10.2016 PTE-A Exam
02.11.2016 PTE-A Results (L69 R66 S48 W77) - saklap!
19.11.2016 PTE-A Mock Exam A (L72 R56 S62 W69)
26.11.2016 PTE-A Mock Exam B (L69 R61 S56 W69)
28.11.2016 PTE-A Exam
28.11.2016 PTE-A Results (L64 R73 S64 W68)
10.02.2017 ACS Skill Assessment - Stage 1 - submit documents
13.02.2017 ACS Skill Assessment - Stage 2
14.02.2017 ACS Skill Assessment - Stage 3
22.02.2017 ACS Skill Assessment - Submit updated document
22.02.2017 ACS Skill Assessment - Stage 4
03.03.2017 ACS Skill Assessment - Stage 5 - positive result!
29.05.2017 PTE-A Exam
29.05.2017 PTE-A Results (L78 R76 S66 W78)
01.06.2017 Lodge EOI - Visa 189 (60 points)
01.06.2017 Lodge EOI - Visa 190 (65 points) - NSW
28.06.2017 Lodge EOI - Visa 190 (65 points) - Victoria
19.07.2017 Lodge EOI - Visa 489 (70 points) - SA - on hold. high points required
27.07.2017 Lodge EOI - Visa 489 (70 points) - Tasmania
30.08.2017 Lodge Tasmania Application
12.10.2017 Tasmania Application - CO assigned
17.10.2017 Tasmania Application - denied :(
Web Developer (261212) | Age = 30 | Education = 15 | Experience = 10 | English = 10 | State = 10
20.02.2018 ACS Skill Assessment Submit
12.04.2018 ACS Skill Assessment Result - positive!
01.08.2018 additional 5 points for experience
15.08.2018 Lodge EOI - Visa 489 (75 points)
16.08.2018 Lodge SA Application
31.10.2018 ITA received for SA visa 489
27.11.2018 Medical Exam at St. Luke's BGC
29.11.2018 Medical Clearance Provided - no action required
18.12.2018 Lodge visa
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Blogs at PinoyAu - Source of Useful Tips and Guides for Pinoys in Australia
New SimplyStall Mobile App!
I'm very happy to announce PinoyAu Forum's new app called "SimplyStall" . It's a new Gumtree like service for Pinoys in Australia but in a way better!
So if you have any items just collecting dust? Why not convert it to cash?
If you are selling new items or products or wish to give an item away for free then this might be a good avenue for you.
This project is a new initiative to unify and have a common portal for Pinoys in Australia to sell and share stuffs.
It's now available on Google Play and Apple App Store.
Please do try it out. I'd appreciate if you can help me spread the good news and start selling your old or new stuffs.
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