Possible Reasons for Purchase Convert / Balance Convert Declined Application:
 

1. Only the Principal Cardholder can apply.
   
   
2. Account should be current and not blocked. Possible reason for blocked account is failure of the cardholder to pay his/her credit card balance by the due date or due to reported fraudulent transactions on the card.
   
   
3. If the total add-on interest exceeds the available limit of the credit card, BDO may still process the application provided that the amount of the over limit is within 20% of the card limit for Purchase Convert and 50% for Balance Convert.
   
   
4. Application should be submitted within the promo period or validity date, as applicable.
   • For Purchase Convert, application should be within 60 days from the transaction date.
   • For Balance Convert, application should be 7 days before the due date of your current statement of account.    
     
     
5. Duplicate application will not be processed.
6. The following transactions are not qualified for the Purchase Convert promo:
   • Transactions associated with gambling (7995 & 9406) money transfer (4821 & 4829) or other similar cash transactions (6010 & 6011).
   • Cash Advance and cash-in to load e-wallets / prepaid cards such as PayMaya, GCash or any similar transactions (6050, 6532 to 6538, 6540)
   • Other BDO installment transactions or any amortizing transaction like 0% interest, Regular Installment, etc. (6012)
   • Other Merchant Category Codes: 6051, 6211, 7012 and 9754
      
7. Qualified Credit Cardholders availing of Purchase Convert programs can only convert transactions that are already posted in their accounts.  Cardholders may verify posted transactions via their statement of account or BDO Online Banking account. 
8. Accurate input of required details for transactions to be converted under Purchase Convert programs:.

8.1 PROMO ID as stated in the Viber/SMS and EDM sent to you
8.2 Merchant Name (Name of establishment where purchase was made)
8.3 Transaction date
8.4 Transaction amount with two (2) decimal places
8.5 Last 4 digits of the BDO Credit Card used for the purchase

NOTES

• If the transaction for conversion was purchased using a Supplementary or Virtual card, the Principal Cardholder needs to indicate the last 4 digits of the Supplementary or Virtual card number on the application form.
• Qualified Credit Cardholders may refer to their statement of account or BDO Online Banking account for the details of their transactions.  They may likewise re-apply thru available channels, subject to the terms and conditions of the program.
• For further assistance, please call BDO Contact Center at (+632) 8888-0000.