FAQs

What is the billing cycle?

The billing cycle has a cut-off date when all purchases made up to a given date are included, and a payment date when settlement of purchases is required. Billing cycles are scheduled as follows:

CYCLE 1
Cut-off date: 15th of the month
Payment date: 5th of the following month

CYCLE 1
Albay	CDO	Laguna	Pasay
Aparri	Cainta	Malabon	Pasig
Baguio	Caloocan	Manila	Quezon
Bataan	Cavite	Marikina	Taytay
Batanes	Intramuros	Naga	Tuguegarao
Batangas	Cotabato	Navotas	Valenzuela
Binondo	Davao	Nueva Ecija	Zamboanga
Bulacan	Gen. Santos	Pampanga	Luzon Provinces
Cagayan	La Union	Pangasinan	Mindanao Provinces

CYCLE 2
Cut-off date: End of the month
Payment date: 20th of the following month

CYCLE 2
Bacolod	Las Pinas	Paranaque	Tacloban
Cebu	Makati	Quezon City	Taguig
Iloilo	Mandaluyong	Samar
Kalibo	Muntinlupa	San Juan

Dollar Billing
Your dollar billing will follow the cut off and due date of your peso account.

How do I change my billing address?

To request for change in billing address, accomplish the Record Update form then submit a letter of request together with a copy of a proof of billing (e.g. Meralco, PLDT, other utility bills) must be submitted to the Customer Service Department.

Billing Statements are conclusively deemed received unless otherwise reported. For failure or late receipt of the billing statement, contact the Customer Service Department immediately. To ensure timely delivery of billing statements, inform Customer Service Department of any change in billing address immediately.

What do I do when my card get lost or stolen?

Notify the Customer Service Department immediately by calling 845-4101/845-4102/753-1034 during office hours or call Banco De Oro 24-Hours Customer Hotlines at 241-6166 or 241-5771. Your card will immediately be blocked upon receipt of the loss. An Affidavit of Loss must be submitted to PFSI prior the release of the replacement card.

How do I apply for increase in credit limit?

To apply for increase in credit limit, accomplish the Credit Limit and Card Type form then send a letter of request together with supporting documents (e.g. latest Income Tax Return Form, current credit card statements from other issuers, Bank Certifications, Audited Income Statements, other proofs of ownership) to the Customer Service Department.

Request for increase in credit limit will be subjected to evaluation and approval of the Credit Department. The cardholder will be informed of the approval or disapproval of the request in writing.

How do I enroll for a supplementary card?

To enroll, submit a duly filled out Supplementary Card Application together with a copy of a valid ID of the supplementary card applicant.

The principal and the supplementary cardholders share the same credit limit. The principal cardholder can also opt to assign a certain limit to its supplementary. All purchases and transactions made by the supplementary cardholder(s) will be posted in the Billing Statement of the principal cardholder.

What do I do when my card gets declined?

The following are the reasons why a transaction may not be processed: (a) The account is suspended; (b) The outstanding balance has exceeded the prescribed credit limit; (c) The card’s magnetic strip has been damaged or demagnetized.

To check the status of your account or to request for replacement of the spoiled or damaged card, call the Customer Service Department.

For suspended accounts, coordinate directly with the Collection Assistant handling the account.