Purchase your coin bank here. 

Sa SM North EDSA 'to, sa ground floor department store. 

Kapag papasok ka ng department store (National Bookstore entry), nasa right side ito. Nakalimutan ko lang kung anong number nung counter na nasa harap nito. 

Tatlong beses na kong pumunta.

First - nagdala ko ng isang make-up pouch na coins, weekday, around 12 noon pero hindi ako naka-deposit kasi puno na raw 'yung machine at hindi nakuha 'yung laman the previous day. 

Second - same pouch, around 1 PM. Na-deposit ko. 

Third - lahat ng coins ko from years ago, nailagay ko na doon. 

Gaano karami 'yung barya na pwedeng dalhin?


Kahit gaano karami basta kasya sa machine for that day at basta kaya niyong buhatin.

Bye, my coins from my picky coin bank. Bumalik na sila sa circulation after 10+ years. 2013 ko pa pala nilagay 'yung post so meron mga barya dyan, lalo na 'yung centavos na possibleng 2013 pa nakatambak. 

Purchase your coin bank here. 

Here's the screenshot from BDO's New Mobile App 

To the scammer who processed this TechNextDay Chichester GBR Fraudulent Transaction, I hope you lose your sense of taste and become allergic to your favorite food. I hope that you always fall whenever you take the stairs. I hope that you always have splinters on your fingers. I hope you lose your hair on your head and eyebrows. 🤣🤣🤣

Here's the screenshot from the old BDO Mobile App

To be honest, aside from the lower interbank transfer fee, I still prefer the old banking app especially since it indicates if the card transaction is a pending or posted one. UITF and EIP transactions are also shown in the previous app. Anyway, lotsa time for updates. Hopefully, they'd improve the new app in the future.  

I had to Google what currency GBP is since I'm not even familiar. Here you go, it's Pound. 

TECHNEXT DAY SCAM and my rebate JCB Japan Rebate when we went to Fukuoka last February.  Still love my JCB because of the promos. 

 Despite calling the hotline in May 25, 2024 (Friday), having my card blocked and all, the transaction still pushed through when I logged in in May 27, 2024 (Monday). I really wanted to cry. A friend told me that his dad never got the money back when his card was compromised too. I didn't ask the details but her saying that made me feel anxious. 77k+ was a huge amount. 

Purchase your CVV Sticker here. 

May 27, 2024 (Monday) I kept my cool and called again. This time, I used my phone for the loud speaker so I can do other things while waiting. Anyway, I did what I have to do for this transaction since it should be recorded that I called them immediately when I noticed a fraudulent transaction. It was their end that wasn't able to stop it when it was just a pending transaction during the weekend. 

Btw, aside from the phone call, I was asked to fill out a Transaction Dispute From and send it to the e-mail address they gave. 

May 29, 2024 (Wednesday) and June 2, 2024 (Sunday) someone was trying to transact again with my then blocked credit card. Since the first transaction pushed through, why not try the 2nd and 3rd time, right? Kabwisit lang talaga mga 'to. Di lumaban ng patas. Hindi pa ako nakakapunta sa Europe pero feeling ko, na-Attenzionez pickpockets na ako. 😭

If anything, I'm just feeling relief that my card was already blocked during these transactions and BDO sent OTP requests. Imagine if these got approved while I was asleep or when I didn't notice that my card has been compromised. 3 AM and 7 AM. Dafaq ulit. 

 This was a screenshot from a BDO warning I got last year.

I bought something in the Philippines when I was in Hong Kong and my card got immediately blocked. This is the reason why I'm at ease with my BDO Credit Card because there are layers of protection like this. There's usually a text for bigger than usual transactions, out of the country transactions etc. I was really surprised when the TechNextDay transaction pushed through. No OTP request, no messages to confirm and authorize if the foreign transaction was mine, it was suddenly there. 

I'm pretty satisfied with BDO's response to my first and hopefully last Fraudulent Transaction report. Calling was a hassle, filling out the form was a hassle, e-mailing was a hassle but the overall response was quicker than expected and I didn't even have to show these screenshots to them. 

Calls made to the BDO hotline: 2

Time alloted for calls: 1 1/2 hours each including the wait

E-mail sent: 1

I was always updated regarding the status of this dispute and even if those were system-generated responses, those still gave me peace of mind. I was thinking that this will take me months when the hotline representative told me that the maximum wait is 90 business banking days but the dispute and the delivery of my new JCB Credit Card took less than two weeks. 

I have no idea where and how my card was compromised so I've been more careful with my cards and I've also purchased a CVV sticker. I've been using debit and credit cards for years but it is only now did I sincerely feel how important my card details are. Sobrang praning ko, pati sa restaurants ayaw ko na iabot. HAHA! Kaya okay 'yung dinadala nila 'yung terminal sa table at tina-transact sa harap ng customer. Don't show the card details to anyone, lock your card when not in use, cover your CVV, don't share your OTPs, make sure all the websites you're logging into are legit and safe. Kung gaano ka-convenient mag bayad online, ganon din ka-convenient para sa mga scammers mag process ng fraudulent transactions.

Purchase your CVV Sticker here. - Lazada Link

Have you experienced this as well?

What did you do?

On another note, BAKA NAMAN, GOTYME. 

I've been trying to dispute a transaction with them because I was overcharged ng P 300.00 from a GrabMart transaction made last February. Three e-mails na, as of writing, June 19, wala pa rin akong update. P 300.00 pa rin 'to. huhu

Ho Chi Minh, Vietnam: A day at Mekong Delta with Vinh Trang Pagoda Sidetrip (Klook Booking Review)

Seabank and Go Tyme Review

 Napansin ko na maraming tumitingin ng tungkol sa savings bank na posts ko. Nilagay ko 'yon dito almost ten years ago and thanks, everyone, for continuously accessing them but we now have better options if we're talking about the interest that our money will gain while deposited. Unfortunately, I wasn't able to keep the two bank accounts that I wrote about before and stuck with BDO because there is a branch a few blocks away from home making it the most convenient Traditional bank for me at the moment. 

Anyway, let me introduce to you two Digital Banks here in the Philippines that I am familiar with and currently using. I'd like to share what I think about them and my reasons for using them. These are additional banks that I use and I find each more suited to my needs and wants for a digital bank. 

Seabank and Go Tyme Bank 

*Madaling buksan pareho 'yung account, magdo-download ka lang nung application at maga-upload ng kopya ng ID mo. 

*Parehong mataas 'yung interest rate. 4.50% P.A para sa Seabank at 5% P.A naman para sa GoTyme. Mataas na 'to kaya sabi ng iba, "SCAM! Kasi good to be true." pero fortunately, hindi 'to scam. These banks are both insured by the PDIC and regulated by BSP. 

Compared to the earnings of the Money Market Fund that I held for six months last year (looked at this again and realized that the fund yield was higher 🤣) and the Time Deposit Interest rates that I know of, the rates of these digital banks are competitive and higher, actually. There are other digital banks in the Philippines but I'm only familiar with these two so far. 

Purchase your CVV Sticker here. 

Let's start with Seabank. 

Sa totoo niyan, kaya ko nagbukas nito last year kasi may binili ako sa Shopee tapos may nakasulat na may discount kapag papadaanin sa Seabank 'yung pera. Ako naman, syempre discount, nilagay ko rin. Hanggang sa makita ko 'tong araw-araw na pasok ng interest. 

Ito 'yung main reason kung bakit ko napag desisyunan gamitin 'yung Seabank - nakakatuwa kasing makita na araw-araw may nagc-credit na interest sa pera mo. Maliit na bagay (Maliit pa sa ngayon pero sana eventually lumaki rin haha) pero at least kumikita ng mas maayos kesa sa traditional banks habang naka-park.