My Credit Card Got Scammed

There are many ways people’s credit card get scammed. This is one of them, and this is my personal experience. I’m not going to go in detail as to what happened but here are the key highlights how it transpired.

Click here to read other fraud style compilation. It involves credit cards, eloads, raffle tickets, etc. The compilation is growing

  • For some reasons, they got hold of the phone number I registered in my online credit card application. This “girl” started calling me for a solid 1 month, says she’s from BPI who will assist me of waving the annual fee, etc.
  • It took BPI one (1) month to activate my card, so in retrospect I was being saved from an early budol-budol
  • Two (2) hours after my card activation, this girl called me up again, so imagine my thinking that she’s really from BPI because she appears to know the progress (card activation). Small talks here and there, I ended up giving my credit card number, expiry date, CVV
  • I started doubting when the OTP PIN from Shopee arrived, she continues her bullshit talks, but I disconnected the call and called up BPI Customer Service to verify
  • Of course, it was impersonating BPI, so I immediately requested card blocking, and filed a dispute in Shopee. Overall, they scammed me 700.00 pesos

This “thing” took more than one (1) month of work from these guys, and I marvel their unwavering dedication to “follow up” and scam people’s money. Although it’s just a small amount but I feel so stupid by not catching their trick right away despite the fact that I’m very much expose to these kinds of activities. 

The thing to remember is that banks will never call us, we call them.  And when this “bank staff” started to ask for the card details, it’s a RED FLAG. Drop the call, call your bank immediately, have your card blocked, and ask for replacement right away. 

Smart Rocket SIM Unlimited ₱499 Prepaid Data Plan Review

The Rocket SIM from Smart Communications is currently offering a true unlimited data plan for ₱499.00 a month. I liked it, my nieces liked it, my mom liked it, everybody is happy! But why Rocket SIM you may ask; honestly, I have no freaking idea why these companies come up with all sorts SIM variants and yet they operate under the same network. 

I’ve actually tried the GoMo Unlimited Data Plan first, and I was half-happy because GoMo plays this catch-me-if-you-can sort of game. It doesn’t offer unlimited data plan all the time. Rocket SIM, on the other hand, is consistent and you can simply subscribe to another 30-day unlimited data when you need it.

Okay, so my nieces have been using the Rocket SIM for 20 days in a row now, and it was a pleasant experience. But since we don’t have a 5G router to take advantage of the 5G speeds, Internet speed isn’t that blazingly fast and YouTube videos buffer on high quality play. 

For me, Rocket SIM and GoMo Unlimited Data Plans are like the light at the end of the tunnel. You know this when you’re on a tight budget, and you have children who need to access the Internet for their schooling or perhaps if you work from home. Though it’s still miles behind the wired Internet speeds, but my needs don’t usually involve downloading and uploading gigabytes of data, so it’s good to go. The amount of money that can be saved here is unquestionably clear.

Smart says it doesn’t throttle or speed cap its Rocket SIM. Theoretically, it can achieve 42mbps but this remains to be seen. This is currently what I’m getting, but then again, I’m not using a 5G router, okay? 

The other thing I like about Rocket SIM is that the GigaLife app is just beautifully created. It’s easy on the eyes, easy to use and easy everything. I also happen to use Globe Telecom’s GlobeOne app for my postpaid plan and it’s like an ugly acne waiting to pop 🙂 

So would I recommend Smart’s Rocket SIM? Absolutely! I hope they keep offering the ₱499 prepaid unlimited data plan so that everybody is happy!

CIMB Personal Loan Review

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I’ve already heard CIMB in the past because I use GCredit. Initially, GCredit was handled by Globe Telecom, but for some reasons it transitioned to CIMB Bank. When that transition happened, I had a problem and that is why I came across this company while trying to iron out things with my GCredit. But this post isn’t about GCredit, it’s about their personal loan offering. 

So, yesterday (Sep 14, 2021) I signed up (and hoped) to get a CIMB Personal Loan. First, I needed to download their app and then proceeded to fill in all the required fields, and boy! it was tedious. But since I had nothing to do that day, I was able to complete it in a zippy.

Unlike the other online loan companies, I only needed to upload one (1) document and so I sent my payslip. The following day, I got a follow-up email that they need me to send a clear copy of my payslips, and I did. It took them 2 hrs to confirm the receipt of the document, and after 5 hours or so my loan was approved! Shy of 2 hrs, the money was already deposited into my Unionbank account. What a pleasant experience!

CIMB will probably ask you to provide more documents depending on your desired loan amount. I did the Php 30,000.00 so my payslips were already enough. I’m not going to go into interest rates and whatnot because you can find tons of articles written about that. But all I can say that on a monthly basis, the interest rate is remarkably low.

Zip ‘N Sip’s Mango Graham Shake Review

This is probably one of my favorite fruit shakes so far. But this isn’t the typical shake with crushed ices and flavoring that I usually buy. This one has huge chucks of sliced mangoes, pearl sago, graham crumbs and mango-flavored ice cream to top of it all.

It sells for ₱ 129.00 (+29 Foodpanda shipping fee) for the large size, and it didn’t disappoint me. Unlike other shakes, this one is truly large, filled to the brim. However, I still find this shake too sweet because of all of the ingredients added into it. If you’re trying to control your sweet intake, I would say this isn’t the product for you. I’m not sure how to “unsweetened” it perhaps ask Zip ‘N Sip to take easy on the sugar? But the thing is, I’m ordering using the FoodPanda app and there’s no way  for such requests to get forwarded to the store. 

There’s not a lot of things I can say about the Mango Graham variant except that it’s sweet, it’s tasty and I’m kind of addicted to it. There are other varieties though, but right now, I’m actively trying to avoid anything citrusy because my hyperacidity + heartburn is acting up lately. 

It’s definitely worth the try especially in this day and age where everything seems to revolve around milk tea.

GoMo Unlimited Data 499 Pesos Review

I recently tried the ₱499 (+77 Shopee shipping) GoMo SIM 30-Day Unlimited Data, and all I can say is that it works! And because I put the SIM card on a Globe At Home prepaid router, the whole family is enjoying it as well. Perfect timing.

Now the fun part. The thing about this “unlimited data” promo is that they don’t offer it like forever. They come and go, now you see it, now you don’t. Why? Because unlimited data promo is used primarily to lure people to use their service. If GoMo would make this permanent, other telcos would go out of business because naturally, everyone will jump into GoMo. The network overloads, the internet speed sucks again, GoMo gets sued, and so on and so forth. 

The same thing actually happened with DiTo and Smart’s Giga app. Their unlimited data promo was suspended indefinitely. 

I guess if you are truly looking for an unlimited internet access in the Philippines, mobile data isn’t the one that you should be looking at. I know there are unlimited mobile access abroad, but nope, it’s not something that will happen in the Philippines yet.

The best bet for unlimited access is to apply for a Fiber connection from Globe, PLDT, Sky, Converge, etc. 

Telcos are throwing at us with so many promos we can hardly keep up. I know Globe is currently running an unlimited 5G data promo for ₱599, but the pain in the ass is that you have to have a 5G router/mobile phone to avail this otherwise, you’ll end up consuming the limited 4G data allocated given to you.

And, did you know that 5G routers will cost you ₱12,000 up?

So back to my GoMo review. I know that after a month of using it, it’s impossible to avail of another 30-day unlimited mobile data unless they’ll offer it again. On their FB page, I saw a lot of people requesting to have it again, but I guess, for now, the only way to enjoy it is to buy a new GoMo SIM card. 

Would I recommend GoMo? Yes, if you lower your expectations of not enjoying it the next month or the following months. And yes, if the Globe network runs fast in your area. After all, GoMo is Globe Telecom.
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